Maximizing Social Security Benefits & Minimizing Taxes: Strategies to Help Increase Your Income and Reduce Taxation in Retirement
Join your host online on
Monday, January 27
or Wednesday, January 29 at 6:00 p.m.
or Saturday, February 1 at 10:00 a.m.
for a timely and informative retirement income planning seminar.
During this virtual event, we’ll discuss:
- Upcoming changes to taxes: Implications of the 2025 expiration of the Tax Cuts and Jobs Act.
- Social Security taxation: Ways to help reduce tax liability on Social Security and other income sources.
- Tips to maximize your Social Security benefits: Key strategies like delaying benefits, coordinating with your spouse and minimizing taxes.
Virtual spots are limited. This is a no-cost, no-obligation event.
Join the 100,000+ who have attended Your Retirement Reality's nationwide events and walk away with newfound confidence and actionable retirement strategies.
As Seen On
Webinar Details
Location
Online
Date & Time
– Monday, January 27 at 6:00 p.m.
– Wednesday, January 29 at 6:00 p.m.
– Saturday, February 1 at 10:00 a.m.
Your Presenter
John Carruthers CFP, CRC | A5 Financial
On the personal front, John is happily married and is a proud father to a beautiful daughter. Family is at the heart of John’s life. As the youngest of five siblings, he enjoys the bustling, yet warm, chaos of a large family and cherishes the time he spends with his 11 nieces and nephews. John is a culinary enthusiast who loves to cook and try new restaurants. He finds joy in preparing a variety of delightful dishes and sharing them with friends and family, creating memorable moments around the dinner table.
Your Presenter
Neil Fennings | A5 Financial
Neil, with over eight years of industry experience, specializes in developing plans tailored to his clients’ needs. These plans offer clients the peace of mind of knowing they have a plan for their finances. He enjoys evaluating and utilizing a company’s employer benefits and stock plans to build comprehensive plans for his clients. Neil leverages this skill set to understand and when possible, optimize the system for his clients’ benefit.
An outdoor enthusiast, Neil spends his winters skiing and summers hiking the Cascades. Having been born and raised in Washington, Neil has an affinity for the Northwest, having worked as a raspberry farmer while attending Western Washington University and participating in Fish and Wildlife ecology studies along the peninsula.
Neil enjoys streamlining complex situations into efficient strategies wherever possible. Neil uses his stewardship experiences to align his priorities with those with whom he’s working, taking the role of fiduciary as his primary guiding principle.
There's no better time to reevaluate your tax and retirement income plan to help ensure you won't outlive your money. At this webinar, we'll discuss:
- Social Security and Tax Strategies: Learn how planning can help maximize your monthly income.
- Dealing with Stealth Taxes: Identifying and managing tax implications in retirement planning.
- Retirement Income Planning: Learn ways to help optimize your retirement strategies, decide between tax-deferred and tax-free accounts, and potentially minimize taxes.
- Filing at the Right Time: Explore how your age at filing can significantly affect your monthly benefits.
- Spousal and Survivor Benefits: Maximize benefits for married, divorced or surviving spouses.
- Employment: Understand how working impacts your Social Security benefits.
Why Attend?
01
Preparedness
People thinking ahead and preparing for an early retirement or looking to reach their goals and live the lifestyle they envision.
02
Preservation
Pre-retirees or retirees who have done a really good job at saving for retirement and want to do everything they can to preserve and protect their assets.
03
Confidence
Those who don’t currently have a retirement strategy in place or are looking for a second opinion to make sure they have considered all the strategies available to them.
Protect your financial future.
Stop worrying about your financial future as retirement approaches. Our events are designed to address your concerns and provide you with the latest tools and strategies you need to create a holistic plan by focusing on these core pillars of retirement income planning…
Proactive Social Security Strategies
Learn ways to help maximize your benefits and ensure you get the most out of your contributions.
Tax-Efficient Retirement
Income
Discover ways to help reduce your tax burden and keep more of your hard-earned money.
Investment Strategies for Volatile Markets
Learn how to help protect your wealth and invest it comfortably, even in uncertain markets.
Longevity & Legacy
Planning
Ways to help ensure your income lasts as long as you do and pass on a lasting legacy.
Frequently Asked Questions
Who is presenting?
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 understand 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 tailored to your unique financial situation.
Privacy Policy: All information provided is secure and confidential. Please provide valid email and phone number for seminar confirmation purposes. Spots are limited. There is no charge to attend!
© 2025 Your Retirement Reality | Privacy Policy
¹ https://www.usbank.com/investing/financial-perspectives/market-news/how-bidens-income-tax-policy-changes-could-affect-you.html
² https://www.ssa.gov/cola/
³ https://www.fool.com/retirement/2019/06/22/most-people-are-expected-to-outlive-their-savings
⁴ https://www.kiplinger.com/retirement/retirement-planning/outlive-your-money-in-retirement
Content is strictly for general purposes and is not an offer to sell or solicit any security. Opinions expressed herein are solely those of John Carruthers and Neil Fenning.
*Guarantees provided by annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged.
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.