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Social Security Optimization

“Make Social Security the Cornerstone of your Retirement Plan”

What you need to know to optimize Social Security

and make your retirement savings last.

A free retirement planning master class for adults within 5 years of retirement.

Hosted by SOFA USA, a nationwide 501(c)3 Nonprofit since 1993

Limited Seating



Jim Musgrave, CRPC

Chartered Retirement Planning Counselor


Tuesday, July 19th, 2022

6:00pm EST


Monday, July 25th, 2022

6:00pm EST

Here's What You'll Learn

At SOFA, we believe if something’s worth doing, it’s worth doing right. When it comes to the nuances of Social Security, learning how to optimize your Social Security benefits goes a long way to helping you live comfortably and confidently.

This 90-minute master class offers real world strategies for those who are preparing for retirement and want to learn how to optimize their Social Security benefits and make their personal savings last.

One of the most important decisions you will be required to make before you retire is when and how to claim Social Security benefits. The majority of retirees apply for benefits as soon as they become eligible, at age 62. For many however, they do so without realizing they are significantly and permanently reducing the benefit amounts they and their spouse will receive throughout their lifetime.

Whether you’re single, married, divorced or widowed, there may be ways to optimize the amount of lifetime, after-tax benefits you and your family receive from Social Security. To do so successfully requires a keen understanding of the Social Security retirement system and the critical issues outlined below:

  • How married couples can coordinate benefits to help enhance spousal and survivor benefits.
  • How working after filing for benefits can eliminate eligibility to receive a benefit payment before full retirement age and the taxability of your benefit check.
  • How to structure social security to reduce taxes.

  • How claiming worker benefits early could permanently lower your spousal benefit at full retirement age.
  • ​Ways to avoid the dozens of planning traps buried in the nearly 3,000 filing rules of the Social Security retirement system.
  • How to claim a spousal benefit while earning delayed retirement credits on your own benefit.

Limited Seating Available

Here's Our Course Syllabus

Understanding Your Options

  • Single, Spouse, Divorce Spouse and Widow benefits.
  • Pros & Cons of filing before and after your full retirement age.

Maximizing your Benefits

  • We compare and contrast two case studies to illustrate the benefits of social security optimization.
  • Detailed cash flow summaries that explain and compare the two case strategies.

Case Study – Social Security Filing Strategies

  • Whether you have a financial advisor or do it yourself, we’ll share 5 steps you must take to secure a successful retirement.
  • How to get the maximum results from this master class.

Social Security Basics

  • How to set up an online Social Security user account and download your statement.
  • Eligibility requirements
  • Cost of Living Adjustments
  • ​Impact of the “Earnings Test”
  • How Delayed Retirement Credits can maximize your income and hedge against inflation.

Coordinating Social Security with Retirement Income Planning

  • Learn how Social Security benefits are taxed
  • ​Identify how working impacts Social Security benefit
  • Examine various “reset” strategies or “do-over” plan
  • Create a personal retirement income plan

“It’s no secret that Social Security can seem very complicated. Enroll in this free course to learn tips to boost your income, and how to avoid common mistakes.”

Register Today!

Seating is limited, so please RSVP soon. Once the class is full, wait listing will be done on a first-come, first-serve basis.

Two Course Options

to Choose From



Tuesday, July 19th, 2022

6:00pm EST



Monday, July 25th, 2022

6:00pm EST

Seating is limited, so please RSVP soon. Once the class is full, wait listing will be done on first come, first serve basis.

About The Presenter

James C. Musgrave, CRPC - As a wealth advisor and Chartered Retirement Planning Counselor with over 21 years’ experience, Jim helps people within 8 years of retirement to avoid making costly mistakes and maintain their standard of living in retirement. He specializes in retirement planning, money management, 401(k) plans and financial planning for individuals, federal employees and business owners. He is passionate about financial education and is the president of the Baltimore/Washington corridor chapter of the Society For Financial Awareness, through which he provides social security, investment and retirement educational seminars for businesses, federal agencies, military bases, and non-profits.

  • Graduated from the University of Alabama
  • Has over 21+ years' experience as a financial advisor
  • Holds his CRPC designation (Chartered Retirement Planning Counselor) and Certified Social Security Claiming Strategies designation
  • Is a fiduciary

SOFA the organization, does not offer to sell financial products nor promote any one particular company. Though the presenter may mention specific financial instruments and their functionality, SOFA's role is only to educate and inspire. SOFA only represents the educational workshop - all other endorsements are non-SOFA related.

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