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Events & Presentations


July 12, 2023 - Optimizing Social Security for your Retirement Plan

Location: Grace A. Dow Memorial Library, 1710 W St Andrews Rd, Midland, MI 48640
Date: Wednesday, July 12th, 2023
Time: 6:00PM - 7:00PM
Presenters: Zach Rivard, MS-PFP, CFP®, AIF®

Most Americans rely heavily on Social Security benefits to help finance their retirement. However, there are some key factors that people should explore before claiming Social Security in order to avoid losing out on certain benefits. This seminar is designed to provide people with the tools and information needed to make a better informed decision on their Social Security claiming strategy.

Key Topics:

  • How to maximize your Social Security benefits
  • What factors can reduce your benefits?
  • Understanding Social Security spousal benefits
  • How to integrate Social Security benefits with your other retirement accounts

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Past Presentation Topics

We present to various groups, study clubs, and businesses all over Michigan. See a topic you'd like us to present? Contact us below or 
call 989-402-1423 today to learn more about our educational opportunities!

Estate Planning Seminar

Helping Protect Your Estate Assets and Avoid Unintended Consequences

Now more than ever, it is vital to have a plan in place that will protect your assets, provide for your family, and spare them the burden of unnecessary
taxes, expenses, and delays. It is important to focus your time and effort both on the preservation and distribution of your assets. This will allow you
to accomplish your personal and family goals. We'll focus on sound financial strategies that could help preserve more of your wealth for your heirs and charitable causes.

Key Topics:

  • Maintaining family wealth over multiple generations
  • Understanding the biggest threats to the preservation of wealth
  • How to calculate the value of your estate
  • How to NOT disinherit your children and grandchildren because of divorce or another triggering event
  • The importance of having a trust and life insurance policy if you're from a blended family
  • Strategies that could help reduce taxes
  • How retirement planning, portfolio-mix and risk tolerance can affect future generations

Tax Planning in Retirement

Understand the potential impact taxes have on your retirement income. If you're nearing retirement or already retired, you need to understand how taxes (including the new changes) impact your retirement income, as it may be possible for you to pay less in taxes on your hard-earned dollars. Since each person's tax situation is unique, and the tax rules can change year to year, it can be challenging to get accurate and timely information. That is why we've developed a special seminar that has already helped nearly 700,000 people nationwide navigate the retirement tax maze.

The seminar will equip you with the most up-to-date and comprehensive information regarding retirement taxation, including ways to efficiently
harvest your income sources - whether they are Social Security, 401(k)/IRA, other sources, or a combination of them all. Using the information you'll
learn during the seminar, you'll be better positioned to develop a successful retirement tax strategy that can potentially safeguard you from overtaxation - all with the goal of saving you money.

Key Topics:

  • The 2022 tax changes and how these could alter your retirement plan
  • Social Security is giving a raise in 2022. But what if this pushes you into a higher tax bracket?
  • Ways to potentially protect yourself against volatile market conditions
  • The changing rules for a retiring generation of Baby Boomers
  • How loss deductions may affect your taxes in retirement
  • Common misconceptions about taxes in retirement
  • Possible tools and strategies available to retirees to help develop a retirement tax strategy
  • A basic overview of the tax rules as they apply today
  • Strategies to help protect yourself against the taxation of your Social Security income