Investing for Retirement
"How to Achieve the Highest Possible Return with the Least Amount of Risk
& Pay the Least Amount of Tax"
Course Will Be Taught At The
Sidney Kramer Center
12900 Middlebrook Rd.
Germantown MD, 20874
Thursday, Nov 6, 2025
6:30 - 8:00 p.m.
A Free Educational Investment Master Class for Adults Age 50-70
Learn from industry experts and discover proven strategies
to grow and preserve your wealth.
Hosted by The Society For Financial Awareness, a nationwide 501(c)3 Nonprofit since 1993.
Limited Seating
Available
Limited Seating
Available
Here is what you will learn.
This 90-minute course offers real world investment strategies designed for investors age 50 and older with portfolios over $1,500,000.
Social security, pensions and annuities typically don’t generate enough income to fulfill your monthly income needs; therefore, you must rely on your investments to fill the income gap.
Understanding how to find the best managers, structuring the optimal allocation, and minimizing taxes is critical to creating a portfolio that is sufficient to maintain your lifestyle in retirement.
Learn the same strategies high net-worth investors use to achieve high rates of return while taking less risk and paying less tax.
Here is what you will learn.
How to create the optimal portfolio
Learn the three critical components of constructing a portfolio that yield the best possible return, with the least amount of risk and tax.
Exclusive portfolio strategies
Learn why high net-worth investors may prefer separately managed accounts (SMAs), direct indexing, and institutional bond ladders over TSP, 401(k) and self-directed brokerage accounts at Vanguard, Fidelity, TIAA CREF, or Schwab.
Advanced investment tax strategies
Learn how to increase your net after-tax return by reducing capital gains and income taxes on highly appreciated stock, ETFs and mutual funds.
Customized portfolio design
Learn how to align your investment portfolio with your personal values and priorities using SMAs, quantitative factors and qualitative screens.
Improve investor behavior
Learn the top 4 investor mistakes that significantly diminish performance and how to avoid them.
Compare your portfolio
Learn how to compare your portfolio to other professionally managed portfolios to determine whether you should stay the course or make a change.
Are financial advisors worth their fees?
Learn how financial advisors provide value and determine whether the benefits justify the fees.
Limited Seating Available
Participants will receive access to software and reports necessary to better plan for retirment, reduce taxes and optimize their portfolios.
Access to Money Guide Pro financial planning software for 60 days
Executive summary
Portfolio Analysis reports
Income Analysis report
Qualified Account & Tax Analysis report
Register Today!
Seating is limited, so please reserve your seat today. Once the class is full, wait listing will be done on a first-come, first-serve basis.
Register Today!
Seating is limited, so please RSVP soon. Once the class is full, wait listing will be done on a first-come, first-serve basis.
Your Contact Info
Your Address Info
Will You Be Bringing A Spouse Or Guest?
Click the circle left of the date below.
Thursday, Nov 6, 2025
6:30 - 8:00 p.m.
Sidney Kramer Center
12900 Middlebrook Rd.
Germantown MD, 20874
Seating is limited, so please reserve your seat today. Once the class is full, wait listing will be done on first come, first serve basis. You can also register by calling (301) 588-0514.
Your Contact Info
Your Address Info
Will You Be Bringing A Spouse Or Guest?
Please select a course date below.
DATE/TIME
Tuesday Nov. 4, 2025
6:30 p.m.
Sidney Kramer Center
12900 Middlebrook Rd.
Germantown MD, 20874
Conference Room A
Seating is limited, so please RSVP soon. Once the class is full, wait listing will be done on first come, first serve basis. You can also register by calling (301) 588-0514.
About The Presenter
James C. Musgrave, CRPC - As a wealth advisor and Chartered Retirement Planning Counselor with over 27 years’ experience, Jim helps people within 8 years of retirement to avoid making costly mistakes and maintain their standard of living in retirement. He specializes in retirement planning, money management, 401(k) plans and financial planning for individuals, federal employees and business owners. He is passionate about financial education and is the president of the Baltimore/Washington corridor chapter of the Society For Financial Awareness, through which he provides social security, investment and retirement educational seminars for businesses, federal agencies, military bases, and non-profits.
Founder and CEO of Musgrave Financial Solutions
Has over 27+ years' experience as a financial advisor
Holds his CRPC designation (Chartered Retirement Planning Counselor) and Certified Social Security Claiming Strategies designation
About The Presenter
As an advisor who specializes in planning, Robin helps clients understand their current financial situation and articulate their goals, and then creates a roadmap to get there. She has previous experience in financial planning from both UBS Financial Services and Morgan Stanley. She is a strong advocate of financial literacy and education, with a background in helping teachers, members of the military, and government employees understand their pensions and their financial potential through the planning process. Robin helps clients with income replacement strategies during retirement, legacy planning, risk management, and goal setting.
Retirement and investment specialist
Holds her Retirement Income Certified Professional® (RICP) Designation
Map Of Course Location
Map Of Course Location
SOFA the organization, does not offer to sell financial products nor promote any one particular company. Though the presenter may mention specific financial instruments and their functionality, SOFA's role is only to educate and inspire. SOFA only represents the educational workshop - all other endorsements are non-SOFA related.
Securities offered through Regulus Financial Group, LLC (Regulus). Member FINRA/SIPC. Investment advisory services offered through Regal Investment Advisors, LLC (Regal), an SEC Registered Investment Advisor. Registration with the SEC does not imply any level of skill or training. Insurance products are offered through Musgrave Financial Solutions. Regulus and Regal are affiliated entities. Musgrave Financial Solutions is independent of Regulus and Regal.
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