Two Free Workshops Built for Retirees and Pre-Retirees in Volusia County
Once a month, Steven L. Rich teaches two classes at the Brannon Center in New Smyrna Beach and the Lakeside Community Center in Port Orange. One on Social Security claiming strategy. Free to attend, hosted through a 501(c)(3) non-profit. The content is educational. Steven is available for a complimentary one-on-one conversation if you'd like to apply what you learn to your own situation, but there's no sales presentation and no obligation.
Why These Workshops Exist
Most retirement decisions get made in a vacuum, in a hurry, often using information from whoever called last. The point of these workshops is to slow the decision down and put the math on the table.
The classes are hosted through the American Financial Education Alliance, a 501(c)(3) non-profit. The workshop content is educational. If you'd like to discuss your personal situation, Steven is available for a complimentary one-on-one conversation
Attend one, or both
The Social Security filing decision is one of the most important and least reversible financial decisions of your life. The wrong filing age can lock you and your surviving spouse into a permanently smaller benefit. The right filing age can result in significantly higher lifetime benefits for many filers, an advantage that compounds over a retirement that can easily last 25 years or more.
- How your benefit is calculated — and what your statement really says
- The math behind filing at 62, full retirement age, and 70
- Spousal and survivor benefits, and coordinating two filings
- Divorced-spouse benefits many people miss
- How Social Security gets taxed, and how to plan around it
- Common mistakes that cost retirees tens of thousands
- Why pre-tax, after-tax, and tax-free accounts behave differently
- How withdrawal sequencing affects your lifetime tax bill
- Roth conversions and when the window is most valuable
- Required Minimum Distributions and planning before age 73
- The surviving-spouse tax cliff and how to plan for it
- How Social Security taxation interacts with your other income
Most people retire with three buckets of money and no plan for which one to spend first. The order matters more than people realize. For many households, the sequence of withdrawals is one of the largest controllable tax variables in retirement, and the difference can reach six figures over time.
Where and When
Brannon Center 105 S. Riverside Drive, New Smyrna Beach, FL 32168
Lakeside Community Center Lawnview Conference Room. 1999 City Center Cir. Port Orange, FL 32129
Workshops run monthly. Both topics are typically scheduled on the same mailer, with separate session times so you can attend one or both.
At a glance
The workshops are hosted by the American Financial Education Alliance, which means the presentation is educational and non-commercial. Steven teaches because he likes the work and because most retirees in Volusia County are making these decisions with incomplete information.
Who Should Attend
- Anyone age 55 to 70 thinking about when to file for Social Security
- Anyone already retired who has never had a tax-aware drawdown reviewed
- Couples coordinating two retirement timelines
- Recent Florida transplants whose tax situation just changed
- Adult children helping aging parents think through these decisions
Bring a spouse. Bring a friend. Bring your questions.
Why Steven Teaches These
Steven Rich, RICP®, NSSA®, CLTC®, CF2®, has spent 15 years working with retirees and pre-retirees. He moved to New Smyrna Beach from the Jersey Shore with his wife Amanda and their three kids and has built his practice around the community. The workshops are a way to bring real planning education to the people who need it, in the place where they live.
FAQ
Is this really free?
Yes. There is no charge to attend and no obligation to schedule anything afterward.
Will I get sales calls afterward?
No. The workshops are hosted through a non-profit. We will follow up only if you specifically request a one-on-one conversation.
Can I bring a spouse or friend?
Please do. Decisions like these are easier to make with the people they affect.
What if I am already collecting Social Security?
The Social Security workshop still covers spousal, survivor, and coordination strategies that may apply. Some opportunities exist even after filing.
Do I have to live in New Smyrna Beach to attend?
No. The classes are open to anyone, and we regularly host attendees from across Volusia County and beyond.
How to Reserve Your Seat
Seats fill up. We recommend reserving early.
Office: 112 N. Orange Street, New Smyrna Beach, FL 32168 Hours: Monday to Friday, 9:00 to 5:00
Compliance Disclaimer
Educational workshops and seminars are provided for informational purposes only and do not constitute individualized investment, tax, insurance, or legal advice. Content presented at workshops is general in nature and may not be suitable for your specific situation. Attendance does not establish a client relationship with Signal Advisors Wealth, LLC or New Smyrna Beach Retirement Solutions.
Investment advisory services are offered by Signal Advisors Wealth, LLC ("Signal Wealth"), a Registered Investment Adviser with the U.S. Securities & Exchange Commission. Registration with the SEC does not imply a certain level of skill or training. Steven L. Rich is an Investment Adviser Representative of Signal Wealth. Insurance products and services are offered through New Smyrna Beach Retirement Solutions ("NSBRS"). Signal Wealth does not offer insurance products. NSBRS is not affiliated with Signal Wealth. Additionally, when NSBRS and/or its agents are recommending and/or selling insurance products they are not acting on behalf of Signal Wealth or in a fiduciary capacity, and instead are governed by the applicable insurance rules and regulations. For more information about Signal Wealth, or to receive a copy of our Form ADV or Form CRS, please click here. NSBRS is not affiliated with or endorsed by the U.S. Government or any governmental agency. NSBRS and its agents do not provide tax, legal, or Social Security advice. Clients are advised to consult their tax advisor or attorney regarding tax and legal matters and to contact the Social Security Administration at their local office or online at www.ssa.gov. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance is not indicative of future results. The information provided herein is for informational purposes only and should not be construed as a recommendation or as investment, tax, or legal advice. None of the information contained herein shall constitute an offer to sell or solicit any offer to buy any security, investment advisory, or insurance product. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting client interests first and disclosing conflicts. Insurance services are subject to a best interest standard, which requires recommendations to be in the client's best interest. Advisors may receive commissions and other compensation for the sale of insurance and annuity products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Any tax savings figures, projections, examples, or multi-year tax projections referenced are hypothetical and provided for illustrative purposes only. They are based on assumptions that may not reflect your individual circumstances, do not represent actual results, and are not a guarantee of future performance or outcomes. Individual results will vary. Strategies such as Roth conversions, capital gains harvesting, required minimum distribution planning, and charitable giving are not suitable for all individuals, involve trade-offs, and depend on your specific circumstances and current tax law, which is subject to change. There is no assurance that any strategy will reduce your overall tax liability. Neither Signal Wealth nor NSBRS provides tax or legal advice; consult your qualified tax professional or attorney regarding your situation.
Social Security guidance is educational and analytical in nature. NSBRS and its agents are not employees of the Social Security Administration and cannot make official benefit determinations. Clients should confirm filing decisions with the SSA at ssa.gov or their local SSA office.