Our Seminars

Social Security & Intro to Medicare

Social Security may appear simple on the surface, but there are many unknown intricacies and tricks that can make a major impact on your claiming decision. It can be so complex, that not even Social Security Administration employees understand much of it - a recent audit showed that in one particular situation for widows and widowers, Social Security had underpaid 82% of beneficiaries!! (Source: https://www.usnews.com/news/national-news/articles/2018-02-22/audit-social-security-underpays-widows-and-widowers)

There were also many changes made to Social Security with the Congressional budget bill of November 2, 2015. However, for those that were 62 or older by December 31, 2015, you can still take advantage of the advanced claiming strategy of a "restricted application" if you are married, widowed, or divorced after a marriage of at least 10 years. Using this strategy can potentially yield a married couple or divorcee $50,000 or more in additional benefits over a "traditional" claiming strategy. And regardless of your eligibility for these strategies - the age you choose to begin receiving Social Security benefits has a substantial impact on not only you financially, but also your surviving spouse or dependent children. Do NOT claim your social security benefits without fully understanding your options.

The complimentary classes that Ryan offers at various locations give you the information you need to help decide which Social Security claiming strategy is suitable for your needs. As a National Social Security Advisor (NSSA®), Ryan has the specialized knowledge and experience to explain the various rules and procedures needed to maximize the benefits you've earned throughout your career. In addition to the information presented in the workshop, Ryan will offer you a complimentary report complete with a Social Security analysis which lays out your potential benefits using various claiming strategies, and answer any questions you may have. For those that would like to go into more depth, a private consultation is available for a modest fee. Don't hesitate - sign up today!

Many people fear attending a class afraid that they will be "sold" something. While we certainly welcome clients for other services that we offer - these classes are truly and completely complimentary. We don't serve meals to entice people to attend - as we only want people that are really interested in the content. We have now taught more than 2,000 individuals just like yourself the details of social security - and get great satisfaction in providing valuable information to the community we live in.

The class covers most of the basics and advanced topics of Social Security retirement benefits, including, but not limited to:

  • The solvency of Social Security and potential solutions.
  • Why won't the Social Security office help me get the biggest check possible?
  • Qualifying for benefits
  • Calculating your benefits
  • Effects of claiming early or late
  • Maximizing your benefits
  • Effects of continuing to work
  • Taxes
  • Spousal benefits
  • Divorcee and widower benefits
  • Effects of a non-Social Security covered Government pension (WEP and GPO)
  • Advanced claiming strategies
    • File and suspend (no longer available)
    • Restricted application

Upcoming Classes (Social Security/Medicare)

 Tuesday, February 27th from 12:30pm - 2:30pm

            Clovis Veterans Memorial Building, 808 4th St, Clovis, CA 93612

 Tuesday, March 12th from 6:30pm - 8:30pm

            Clovis Veterans Memorial Building, 808 4th St, Clovis, CA 93612

Seating is very limited. Please CALL or TEXT the office to reserve your seat in a class. 559.408.7439

(Classes are approximately 2 hours and will include presentations on Social Security AND Medicare)


We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact medicare.gov or 1-800-MEDICARE to get information on all of your options. 

Tax Planning

People often pay more in taxes than expected because a confusing system treats various income types differently, and contains hidden taxes and penalties.

Retirement Surprises

  • Inflation: People view their future costs in current dollars and don’t anticipate how those costs will grow with inflation.
  • Longevity: People may end up living longer than they expect, which requires more money.
  • Expenses: People underestimate how much they need to maintain their pre-retirement standard of living.
  • Health care: People don’t realize how much of their savings will be spent on health costs.

Key #1: You have to know what your after-tax retirement savings picture looks like BEFORE retiring.

  • If you save $500,000 in your 401(k)/IRA, it’s not really $500,000. Taxes must be paid.
  • If you’re already retired, you’ll want to start evaluating next year’s potential tax bill before you start tapping assets in the new year.

Key #2: Social Security and Medicare have “tax traps” and you need to plan for them, too.

  • IRA withdrawals can cause the taxation of Social Security benefits, and push taxpayers into a higher marginal tax rate.
  • Higher income (i.e. withdrawing assets) can cause potentially hundreds of dollars a month extra in Medicare premiums.

Key #3: You must plan how and when you will use taxable, tax-deferred, and tax-free assets to manage your income and tax brackets efficiently.

  • Consider starting to draw down IRAs now, so that your required minimum distributions (RMDs) won’t have as large an effect on Social Security taxation and Medicare premiums.
  • Also consider “filling your tax bracket” in lower income years through Roth conversions or selling appreciated stock, to take advantage of a lower tax rate.
  • Think about donating your RMDs directly to charity to avoid paying income tax on the distributions, through what is known as a qualified charitable distribution (QCD).

Key #4: Organize your assets for your family’s benefit—estate planning still matters!

  • If you have a terminal illness, make sure to think about step-up basis strategies.
  • There are multiple ways to leave IRAs as an inheritance; you need to make sure your heirs get the best and easiest transfer.
  • Long-term care is a major concern for many people. You need to plan how you will fund this likely expense, and still leave an inheritance for your heirs.

Solution: Because your tax exposure will change throughout retirement, you need a tax strategy that:

  • Anticipates how and when you tap assets to cover your personal expenses.
  • Understands the range of taxes you will face at various stages.
  • Manages your actions so you pay as low a tax rate as possible.

Upcoming Classes (Taxes in Retirement)

 Tuesday, February 27th from 6:30pm - 8:30pm

            Clovis Veterans Memorial Building, 808 4th St, Clovis, CA 93612

 Tuesday, March 12th from 12:30pm - 2:30pm

            Clovis Veterans Memorial Building, 808 4th St, Clovis, CA 93612

Seating is very limited. Please CALL or TEXT the office to reserve your seat in a class. 559.408.7439.

Retire With Peak Confidence

Roloff Retirement Solutions provides strategies to address your expenses, Social Security timing, and retirement distribution needs. Let’s set you on the right path.

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