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Retirement – Success or Failure it's Up to You!
Do you have all your retirement ducks in a row?

7 Important Facts About Retirement


The average American will retire at age 66 and live until nearly 80, however, government studies indicate that a 65-year-old has a 50% chance they will live to 85 and nearly a 30% chance of living to 90.  For this reason, it’s imperative to plan as though you will live 20-30 years in retirement.


For current retirees, an ultra-conservative portfolio comprised solely of bonds may not provide enough growth, especially with interest rates still near historic lows to be sufficient.  “While investments consisting of bonds may seem safer than stocks with lower downside risk, it’s possible resources may fall short of longer-term success, causing a significant concern regarding the need to keep up with inflation for income later. 


Creative advanced planning can make it possible to increase retirement income with minimum or no risk to achieve longevity.    

This workshop will discuss a proven alternative to risk and exposure for the average retiree. 


Topics Covered:


  1. The perfect strategy to protect assets from lawsuits

  2. How to Protect a spouse from your nursing home spend-down

  3. The best options to maximize income

  4. A Pension election to avoid

  5. A proven alternative to protect your 401k as you near retirement

  6. How to get up to a 6% raise on your Social Security check

  7. A lifetime CD alternative that guarantees 6.3% annually if you are 65 or older.

"No Products Will Be Promoted" 



Dobson Rancy Library

2324 S Dobson Rd,
Mesa, AZ 85202



May 09, 2018 - 6:00 PM


Downtown Chandler LIbrary

22 S Delaware Street

Chandler, AZ 85224



May 12, 2018 - 10:00 AM


FREE - Social Security & Income Analysis for All Attendees

Past Success Stories

Gary & Linda was able to increase their Social Security $11,000 a year. 

Patti discovered she was entitled to benefits from her first husband..

Don & Geneva were shocked to learn they were paying more than 3% in annual fees.  

Joan and Berry will now protect 1/2 of their assets from a nursing home spend-down.

Betty & Robert postponed their divorce to benefit the other for Social Security Benefits. 

Robert was disappointed to learn he could have avoided early withdrawal penalties from his IRA.

Presented by Michael J Eberhardt, a Social Security and Retirement Income Planning Specialist and President of the East Valley Chapter of SOFA, a Non-Profit Public Service Organization.

© 2017 by Michael J Eberhardt

President of The East Valley Chapter of SOFA    480-726-8805