Free retirement education delivered through workshops, calculators, and case studies — all available to the public at no cost.

Program 1 Free public workshops

Live, in-person educational sessions held at public libraries and community centers across Orange County, Los Angeles County, and Riverside County. Sessions run 60–90 minutes and are free and open to the public — no registration cost, no income requirement, no sales pitch.

What's covered

• Social Security claiming strategy — when to file, spousal coordination, the earnings test, survivor planning, the cost of getting it wrong
• Medicare & IRMAA — the 2-year lookback, IRMAA bracket cliffs, how Roth conversions and capital gains can spike Medicare premiums
• Roth conversion windows — multi-year bracket-filling, withdrawal-order coordination, pre-RMD optimization
• SECURE Act & inherited IRAs — the 10-year drain rule, beneficiary tax planning
• The Widow's Penalty — year-of-death filing decisions, the bracket jump in year 2, the survivor-benefit decision tree

Spring–Summer 2026 schedule

→ Full workshop schedule and reservation form

Program 2 Free interactive calculators

Self-serve, browser-based tools that let any visitor model their own retirement scenario in plain English — no account, no email signup required to view results.

Available now (22+ calculators)

Each calculator includes a "What you're looking at, in plain English" explainer panel that translates the math into the decision it informs. Calculators are educational tools only and are not financial, tax, or legal advice.

Program 3 Case-study library

Long-form, anonymized real-world case studies showing how specific retirement decisions played out — the math behind them, the gaps in conventional advice, and the outcomes. Written to give readers the language and the framework to recognize similar situations in their own planning.

Published cases

• The SSI stopgap — bridging income during a long SSDI claim
• SEP IRA vs. Solo Roth 401(k) — small-business owner tax-bracket math
• Filing status, student loans & marriage math — when "married filing jointly" costs more than it saves
• The Roth conversion window — multi-year bracket-filling between retirement and RMDs
• Predatory advisor practices — what the disclosures actually look like, and what to ask
• Cash-management vs. asset-management — when borrowing against the house is the wrong answer

Two additional cases (the Widow's Penalty and the IRMAA Cliff) are in production. → Read the case-study library

Program 4 Topic guides & lead-magnet PDFs

Free downloadable guides on specific retirement topics, written in plain English. Available as PDFs (no payment required, email required only for delivery).

• The Roth Conversion Window — when and how much to convert
• The Income Floor Framework — figuring out the essentials gap
• The IRMAA Bracket Checklist — 2-year-ahead Medicare premium planning
• The Widow's Toolkit — first-year-of-survivorship decisions

→ Browse all topic guides

2026 program goals

• Workshops: deliver 12+ free public workshops across Southern California in 2026
• Calculators: publish 5 additional interactive tools covering pension, annuity-laddering, and Medicaid-spend-down planning
• Case studies: publish 12 new long-form case studies (1 per month)
• Outreach: partner with 6+ Southern California public libraries as recurring workshop venues
• Translation: begin Spanish-language calculator and topic-guide translations