Social Security Retirement Workshop

Social Security Retirement Workshop Overview Program Goal: Give adults age 55 and older a clear overview of the key factors to consider before claiming Social Security benefits, helping them make informed, strategic decisions. Register Here Key Social Security Challenges: Recent concerns about Social Security’s future, fewer corporate pension plans, longer life expectancies, higher divorce rates, and an aging population all increase the risk that retirees may outlive their savings if they depend primarily on government benefits. As retirement planning becomes more complex, claiming Social Security now requires careful strategy. Retirees must plan thoughtfully or potentially risk missing out on valuable future benefits. Because there is no universal claiming strategy, individuals often struggle to understand program rules and weigh the long-term financial effects of their decisions. Many strategies that once worked are now outdated, making it essential to consider overall retirement income needs rather than focusing only on Social Security rules. Questions covered: • When should I start collecting Social Security? • What steps could help keep Social Security solvent? • Should I prioritize Social Security rules or my cash flow strategy? • Should I coordinate with my spouse before claiming benefits? • Should I get professional guidance before claiming benefits? About the Workshop: This public-service program is presented by John Kalil, FSCP®, a Financial Advisor with Kalil Wealth Strategies. No financial products or services will be sold. Mr. Kalil brings more than 30 years of retirement income planning experience and has offered similar programs at many public libraries across upstate New York since 2014. John N. Kalil Jr., LUTCF®, FSCP® is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. Securities and investment advisory services offered solely by Equity Services, Inc. Member FINRA/SIPC, 354 Mountainview Drive, Suite 200, Colchester, VT 05446; 802-864-6819. Kalil Wealth Strategies and XYZ Library are independent of Equity Services, Inc., Registered Representatives of Equity Services, Inc., and do not offer tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor. This program is for informational purposes only and does not replace tax, legal, or financial advice. Personalized claiming strategies and individual guidance will not be provided. This program is neither endorsed nor approved by the Social Security Administration or any government agency. TC9054327(0826)1 © 2026 Kalil Wealth Strategies. All rights reserved.