Layton, UT | Social Security & Taxes Seminar | April 2026 | ARE-20376

April 30 at WSU Davis in Layton, UT

Maximizing Social Security Benefits & Minimizing Taxes

Strategies to Help Increase Your Income and Reduce Taxation in Retirement

This event is strictly informational. There is no charge to attend. No products will be offered or sold at this event.

Event Details

Weber State University Davis
2750 University Park Blvd, Layton, UT 84041

Thursday, April 30 at 6:00 p.m.

Topics: Social Security Maximization, Taxes, Roth Conversions, IRMAA

Open to the public. Seating is limited, so sign up today!

If you’ve saved $500,000 or more for retirement, the social security and tax decisions ahead may shape what you actually keep. Not properly planning for both may cost you thousands in retirement. Join us for a seminar at Weber State University Davis where we will discuss the following important topics:

What’s new and changing for Social Security and taxes in 2026.
The impact that proposed changes to tax laws, market volatility, high interest rates and rising inflation may have on your retirement income.
Why taxes can be one of your biggest retirement expenses without a proper plan in place.
Immediate, actionable steps to protect your savings from heavy, unnecessary “retirement taxes.”
How Social Security Benefits relate to, and affect, your taxes in retirement and how to avoid excessive taxation.
Claiming strategies, common mistakes to avoid and planning techniques to help you maximize your Social Security benefits.
How you can use Roth Conversions to create tax-free retirement income and potentially lower your tax bracket in retirement.
Planning for longevity, inflation, and future tax increases to ensure you won’t OUTLIVE your money in retirement.
And MUCH more!

Privacy Policy: By providing your email, phone number, and selecting "Yes" for text message reminders, you are consenting to receive communication from Your Retirement Reality. All information provided is secure and confidential. Please provide valid email and phone number for seminar confirmation purposes. Seating is limited. There is no charge to attend!

Why attend?

This presentation combines two empowering elements:

Professional Insight

A clear, engaging presentation on the retirement tax strategies with the greatest potential impact — Roth conversions, IRMAA planning, Social Security optimization, and how they work together.

Actionable Next Steps

Every attendee will have the opportunity to receive a complimentary retirement tax analysis — a snapshot of how these strategies may apply to your specific situation, including Roth conversion modeling and IRMAA threshold planning.

Meet Your Host

Trevor Phibbs, Founder & CEO of Phibbs Financial

My name is Trevor Phibbs, and I’m the founder of Phibbs Financial, a full-service retirement planning firm. Our clients worked and sacrificed for years to get the opportunity to retire. Our job is helping them obtain financial freedom to enjoy the things that are most important to them; to encourage them to live their lives to fullest knowing we’ll be there for them. We combine both growth and protected money strategies alongside tax minimization planning strategies, healthcare planning, and legacy planning strategies to help you take a deep breath, relax, and enjoy life knowing your retirement is protected no matter what life has in store.

Investment advisory services offered through Phibbs Financial Services LLC (“Phibbs Financial”), an SEC Registered Investment Advisory Firm. Phibbs Financial Services LLC and Your Retirement Reality are unaffiliated companies. Insurance products and services offered and sold separately through its affiliate, Phibbs Insurance Services LLC, in all appropriate jurisdictions. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Licensed Insurance Professional. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm’s ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations)

Investing involves risk, including possible loss of principal. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. We are not affiliated with any government agency.

The information contained herein is based on our understanding of current tax law. The tax and legislative information may be subject to change and different interpretations. This presentation is for informational purposes only and is not intended to be financial, legal or tax advice. We recommend that you seek professional legal advice for applicability to your personal situation.

By providing your information and/or attending this event, you give consent to be contacted about a discussion of life insurance and annuities or a possible advisory relationship. Attend and learn how insurance or investment products can be used in various stages of retirement planning.

The presenter can provide information, but not specific advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The presenter may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. For more information, please consult a local Social Security Administration office, or visit www.ssa.gov.