One filing decision, made without full information, can cost a household tens of thousands of dollars over a lifetime. We provide the education the system does not.
Open to everyone. No income requirement. No financial advisor required. No products, no sales, no obligation.
Social Security's rules were written by Congress, administered by federal bureaucracy, and explained by no one. The people most harmed by that gap are often the people least able to absorb the loss.
You are approaching retirement and have not yet claimed Social Security. You receive or expect to receive SSI or SSDI. You inherited a retirement account after 2019 and do not understand the 10-year mandatory distribution rule. You have a financial advisor but Social Security strategy was never part of the conversation. You are a public-sector employee subject to the Windfall Elimination Provision or Government Pension Offset. You are divorced, widowed, or disabled and are unsure what benefits you qualify for. You are a lower-income household that relies primarily on Social Security and needs to understand every dollar.
Roughly half of American households have no professional financial guidance. Social Security is often their largest financial asset. We provide the technical foundation to make that decision without a paid advisor.
Many financial advisors are licensed to manage investments but have not studied Social Security optimization, the earnings test, provisional income, or WEP/GPO. A gap in your advisor's knowledge is still a gap.
Supplemental Security Income and Social Security Disability Insurance have specific earnings limits, benefit interaction rules, and transition pathways to retirement benefits. Getting these wrong has immediate financial consequences.
Free, open to the public, held at public libraries and community centers across Southern California. No means test. No means of selling you anything.
San Rafael Branch Library
1240 Nithsdale Rd, Pasadena, CA 91103
Saturday, 11:00 AM – 12:30 PM
Sea Country Senior & Community Center
24602 Aliso Creek Rd, Laguna Niguel, CA 92677
Tuesday, 6:00 PM – 7:30 PM
Lamanda Branch Library
140 S. Altadena Dr, Pasadena, CA 91107
Saturday, 11:00 AM – 12:00 PM
Yorba Linda Community Center
4501 Casa Loma Ave, Yorba Linda, CA 92886
Saturday, 1:30 PM – 3:30 PM
Enter your info and we will send upcoming dates, locations, and a free resource guide on Social Security filing rules.
By submitting, you consent to receive educational communications from the Retirement Literacy Foundation. You may opt out at any time. We never sell your information.
The Retirement Literacy Foundation is a California nonprofit with 501(c)(3) tax-exempt status. We do not charge for workshops, means-test attendees, or require any prior relationship with a financial professional.