Free Workshop: Social Security, Taxes, and the New IRA Rules Hitting Your Family

Three forces quietly drain retirement income. Filing Social Security at the wrong age. Paying more tax than the law requires. Leaving IRAs to your kids under rules that changed in 2020 and tightened again in 2025.

This free 60-minute workshop covers all three.

You will learn:

• How your filing age swings your lifetime Social Security benefit by six figures
• Spousal and survivor rules most couples miss
• Why up to 85 percent of your benefit becomes taxable, and how to reduce it
• The SECURE Act 2.0 ten-year rule that forces your children to drain inherited IRAs fast
• Which accounts to spend first so you keep more and your heirs keep more

Hosted by the Retirement Literacy Foundation, a California 501(c)(3) nonprofit. Educational only. No products sold. No pressure. Bring your tax return and your questions.

Seating is limited. Reserve your spot.

Date: Monday, April 20, 2026 Time: 11:30 AM Location: Grace Mellman Community Library, Temecula Cost: Free Phone: 714-584-4921

retirementliteracyfoundation.org/tem-patch/