Maximizing Social Security Workshop

A Classroom Workshop for Adults, Teaching ways to Maximize your Lifetime Social Security Benefits

One of the most important decisions you need to make before you retire is when and how to claim Social Security benefits. About half of retirees apply for Social Security as soon as they become eligible at age 62, but by doing so, they may significantly and permanently impact their income and benefits for the rest of their lives. The difference between the best and worst possible decision of when to start Social Security can be well over $100,000!



Workshop Objectives

Learn important rules that affect the amount of retirement benefits you collect, as well as strategies for coordinating Social Security with other sources of retirement income

  • When your benefits may begin, and how the age at which you apply will affect the amount you receive
  • How to maximize Social Security benefits and how to minimize taxes on them
  • Strategies to consider before deciding to apply for benefits
  • How your current employment will affect benefits
  • What to do if you have other income from pensions or IRAs, too
  • What is the future of Social Security and what it means to you
  • When it makes sense to delay benefits -and when it does not
  • How the wrong Social Security decision can cost you money
  • How two little known strategies could increase your family income and survivor benefits
  • Can you fix your Social Security election if you made a mistake?
  • How cost-of-living adjustments (COLAs) impact benefits
  • Learn how all of your assets fit together with Social Security to fund your quality of life in retirement



Tuition is $18. Spouses may attend for no cost. An additional workbook for your spouse may be purchased for $6.


To Register




The AFES Retirement Planning courses cover all the bases to help you plan for your retirement. In each of our courses we examine and discuss investment choices and highlight the strengths and weaknesses of your options. Since circumstances vary by individual, one size does not fit everyone’s investment needs. Therefore, students are taught how to construct a financial plan for investing that fits their exact needs yet can be altered without pain should changing conditions warrant.

The ABC process differs markedly from the typical Wall Street approach to financial planning because it considers all available options rather than just the narrow band that is traditionally touted by Wall Street and its representatives. Our courses are taught by instructors who are active participants in the financial services industry and have been taught the ABC model; the proper presentation, delivery and objectivity necessary to raise students’ overall financial literacy about investments and planning strategies. At the end of our courses students will have learned there is no “right” or “wrong” strategy, but rather “suitable” and “unsuitable” investments and “too large” and “too small” percentage allocations to otherwise suitable options for their individual circumstances. ABC does not advocate shortcuts or secrets to wealth or investment gains but rather a conservative approach that fosters predictability, stability and availability to match the current and future needs of the individual.


The Dodd-Frank act, which fundamentally changed Wall Street, formed a commission to better understand the level of financial literacy among American Consumers. The commission´s findings showed a startling lack of understanding of financial concepts, and strongly suggested financial literacy education for adults.

Adult Financial Education Foundation, a not-for-profit corporation, is devoted to helping improve the financial literacy of adults 50 and over who are concerned about their retirement savings and how to ensure a safe, secure future. We develop courses of study that educate students about financial terms, concepts, and strategies in a classroom setting giving them tools they need to make smart decisions about their financial future.

AFEF instructors are comprised of licensed insurance and financial professionals who work as financial advisors, insurance and investment specialists, and a variety of other related financial professions. Our instructors have been trained to present the course materials in an easy-to-understand format. AFEF instructors are dedicated to following the directive of the Dodd-Frank Act which is; to improve the financial literacy of adult Americans. Our goal is to provide high quality financial education in order to help students understand their finances, and make better financial decisions for their retirement years by understanding the role that bank assets, life insurance/annuities, and securities play in balancing risk, growth and income for their retirement needs.

Course Participation

If you are looking for answers to questions about when you should begin your Social Security benefits, how you can manage taxation of benefits, how working will affect your benefits, or strategies to get the most out of your benefits, then you will believe this course is time and money well spent. The best way to profit from this course is to follow the interactive workbook and participate in the classroom discussions as you feel comfortable.

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