Optimizing Your Portfolio
How to achieve competitive returns, minimize risk and pay less tax.
Course Will Be Taught At The
Sidney Kramer Center
12900 Middlebrook Rd
Germantown, MD 20874
Thursday, March 19, 2026
6:30 - 8:00 p.m.
A Free Educational Investment Master Class for Adults Age 50+
who are approaching retirement or are already retired.
Markets change. Tax rules change. Interest rates change.
Your investment strategy should evolve too — especially when retirement income is on the line.
Learn from industry experts and discover proven strategies
to help 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+.
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.
Most portfolios are built for accumulation — not retirement.
Buy and hold index strategies that have historically worked well in your working years may have costly unintented consequences in retirement. For example:
Increased risk due to portfolio drift from years of “set-it-and-forget-it” investing.
Overconcentration in a few stocks or funds.
Substantial embedded capital gains that reduce net after-tax returns.
Bond strategies that may no longer behave like they used to.
Investor behavior that may lead to selling and buying at the wrong time during market downturns.
Understanding how to find the top quartile investment managers, structuring the optimal allocation, and minimizing taxes is critical to creating a portfolio that is sufficient to maintain your lifestyle in retirement.
Learn similar strategies high net-worth investors use to achieve competive rates of return while taking less risk and paying less tax.
Here is what you will learn.
Why many investors underperform the market
Learn the top 4 investor mistakes that significantly diminish performance and how to avoid them.
Investing beyond index funds
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.
Why owning low-cost investments with good performance alone is not enough to optimize your portfolio.
Learn the three critical components of constructing a portfolio that yield a competitive return with the least amount of risk and tax.
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.
How to achieve competitive returns, minimze risk and pay less tax
You will learn how to: (1) analyze your portfolio; (2) screen professional money managers; and (3) identify the areas in your porfolio that could be improved.
Are financial advisors worth their fees?
Learn what services financial advisors should offer to provide the most value and justify their fees.
Limited Seating Available
Get a clear, professional analysis of your portfolio’s returns, risk, fees, and tax drag — and see where small changes could materially improve your long-term outcome.
Participants will receive access to software and reports necessary to better plan for retirement, 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?
Please select a course date below.
How did you hear about this event?
Thursday, March 19, 2026
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.
How did you hear about this event?
DATE/TIME
Tuesday, March 17, 2026
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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