Course Description: Retirement brings some of the most important financial decisions a person will ever make. This three-session presentation is designed for individuals and couples who are approaching retirement, recently retired, or already navigating retirement income decisions.

Each session focuses on one major retirement planning topic: taxes in retirement, Social Security claiming decisions, and estate planning essentials. We will discuss how recent tax law changes may affect retirees, how Social Security fits into a broader income plan, and how proper estate planning can help protect spouses, heirs, and loved ones.

The goal of this presentation is to make complex retirement planning topics easier to understand and apply. Attendees will leave with practical planning ideas, key questions to ask, and a clearer understanding of how taxes, income, investments, healthcare, and estate planning often work together in retirement.

Instructor: Jared Cales is a certified financial planner and founder of Phileo Advisory Group, an independent firm focused on helping individuals and families make confident retirement decisions. With over a decade of industry experience, he is known for making complex financial topics clear, practical, and easy to understand. Since 2017, Jared has provided retirement readiness presentations for major organizations, including United Parcel Service and Landstar Systems, Inc., as well as nonprofit organizations.

Schedule: 3 sessions: Mondays, Oct. 26 and Nov. 2 and 9; 1:00-2:30pm.

Location: Room 203, St. Peter’s Episcopal Church, 801 Atlantic Ave., Fernandina Beach.

Cost: $25