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You're Invited!
Maximize Your Social Security & Minimize Your Tax Burden
Join us for a no-cost, eye-opening retirement seminar. We’ll discuss how to help you:
- Keep more of your benefits
- Reduce taxes on your income
- Avoid costly mistakes
Secure your spot and learn ways to help protect what you’ve built. No cost. No pressure. Just clear answers.
You're Invited!
Maximize Your Social Security & Minimize Your Tax Burden
Event Details
- Dates
– Tuesday, October 21 at 6:00 p.m.
– Thursday, October 23 at 11:00 a.m.
– Thursday, October 30 at 6:00 p.m.
- Location
The Columbine Library
7706 W Bowles Ave, Littleton, CO 80123
At this seminar, we'll discuss:
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When to Take Social Security
Find out how the right timing can increase your lifetime benefits—and how to avoid costly mistakes.
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How to Pay Less in Retirement Taxes
Explore tax-efficient strategies like Roth conversions and withdrawal sequencing to help you keep more of your income.
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Understanding RMDs & Retirement Tax Traps
Find out how Required Minimum Distributions (RMDs) could affect your tax bill—and what to do now to prepare.
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Why Traditional Advice May Fall Short
Many strategies ignore rising taxes and changing rules. Uncover what today’s retirees must do differently.
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Income Planning That Adjusts With You
Discover how to align your income plan with inflation, market shifts, and evolving tax brackets.
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How to Leave More to Family—Not the IRS
See how tax-efficient legacy planning can help preserve more of your wealth for future generations.
You Saved Well for Retirement. But Could Mistakes Undermine It?
You did the hard part—building your savings. But retirement isn’t just about what you’ve saved—it’s about what you keep.
Failing to coordinate your Social Security and tax-minimization strategy could quietly erode your income over time. This event helps you uncover those risks—and gives you simple, smart steps to help protect what you’ve worked for.
There's no better time to align your Social Security and tax-minimization strategy to help ensure you keep more of your income in retirement.
Why Attend?
01
Preparedness
Understand how today’s laws and tax rules could affect your future—and how to prepare with confidence.
02
Preservation
Explore strategies designed to help reduce your tax burden so more of your income stays with you and your family.
03
Confidence
Know when to take action and why—so you can stop guessing and start planning for the retirement you deserve.
Protect your financial future.
Help Protect Your Income and Maximize What You Keep.
Do you have a strategy to help reduce your tax exposure and increase what you take home from Social Security?
This seminar will help you connect the dots between your benefits, tax-minimization strategy, and income plan—to help you retire with more clarity and confidence.
You only retire once. You can’t afford to get it wrong.
Timing Strategies for Social Security
How to claim benefits strategically based on your full financial picture.
Explore strategies designed to avoid unnecessary taxes and help stretch your income further.
Investment Risk & Market Volatility
Why drawdown strategy often matters more than investment performance after retirement begins.
Roth Conversions & RMD Coordination
Discover how to potentially reduce tax liabilities and control income in retirement.
Your EXPERIENCED Presenter
Joe Harl
The Guardian Group
Joe Harl, of The Guardian Group, believes that relationships are the most important thing in life. His goal is to help — whether a person is just starting out, preparing for retirement, or somewhere in between. He is committed to helping to get your financial future on track, so you can focus on what matters most. His passion is rooted in helping people create a plan that empowers them to live their best life in retirement. Growing up in Western Oklahoma, Joe was surrounded by the Oil & Gas industry, a field that shaped his career and understanding of resilience, adaptability, and the power of preparation. After 20 years in the industry, advancing through the years, he found that each role reinforced the belief in the importance of trust, leadership and financial security. Joe and his wife Tyler moved to Denver, Colorado in 2020 and immediately knew they had found home. When not working with clients to help them realize their financial potential, you can find him on the golf course, traveling, or exploring everything Colorado has to offer. Joe is a graduate of Southwestern State University.
"I’ve seen too many people do everything right — save, invest, work hard — and still end up with gaps in their plan. My goal is to help fix that, before it’s too late."
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Frequently Asked Questions
What is Your Retirement Reality?
Your Retirement Reality is a national entity that partners with financial professionals all across the U.S. to offer unbiased information on the constantly changing tax laws and retirement strategies. There’s a knowledge gap as retirement approaches, and we’re here to help individuals like you determine the best course of action for your ideal retirement.
Who is this event for?
Our presentation is designed for individuals age 50-70 who are nearing retirement or those who have recently retired. To get the most from our events, attendees should have retirement savings ranging from $250,000 to $5,000,000. This ensures our content and strategies are more applicable to your unique financial situation.
Why are you hosting this event?
The information provided at these seminars is designed to help you better understand retirement planning strategies and potential risks. While the presenter may offer materials or share contact information, there is absolutely no obligation to schedule a meeting or purchase anything.
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!
© 2025 Your Retirement Reality | Privacy Policy
*This event is not sponsored by or affiliated with the Columbine Library.
Advisory Services offered through CreativeOne Wealth, LLC a Registered Investment Adviser. Joe Harl is an instructor with The Council of Financial Educators (COFE), an association of financial professionals who offer courses on financial tools and strategies. The Guardian Group, COFE, Your Retirement Reality and CreativeOne Wealth, LLC are not affiliated. Licensed Insurance Professional.
Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. 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.