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!



What We Offer

COFE offers educational classes available to the public. We understand that millions of people have questions like “what are my best options regarding the timing of my Social Security payment?” Or, “What’s the best way to take income from my IRA or 401(k)?”

Each person has a unique set of circumstances and a particular need for retirement income. Most Americans are unaware of the various types of income streams available from different retirement vehicles and how to best access them. Countless people have no understanding whatsoever of the tax implications of their financial decisions and truly need an awareness of the tax liabilities awaiting them in retirement.

Our financial professionals are educators first. They are committed to helping people develop personalized fiscal strategies that are best for their unique financial needs. They are also available to assist students with the implementation of appropriate plans and strategies if the need arises once the courses are completed. Our financial professionals teach and answer questions in our classes. There are no sales pitches nor sales efforts allowed during any classroom discussion and each attendee is afforded every opportunity to learn various financial concepts and strategies in a fun, safe and light-hearted atmosphere.


The Council of Financial Educators (COFE) is an association of professionals from various financial services industry disciplines who are convinced that a clear understanding of a variety of financial tools and strategies is the first step toward making sound financial decisions regarding retirement. Our professionals understand the countless challenges and opportunities presented to retirees and pre-retires in today’s ever-changing world and feel a passion to help them navigate safely.

Motivated by a desire to serve and a love for education, our professionals offer courses to anyone who has a desire to learn. Having the power of decades of real world experience, our instructors clearly explain the opportunities and the limitations of various financial tools and strategies and provide a safe place for attendees to learn and understand. Everyone has questions. We have answers!

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

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.