For Philadelphia City Employees 0 – 12 Months From Retirement
Finally Understand Your DROP Decision Before It's too late
A free, practical lunch seminar that helps Philadelphia pre-retirees make sense of DROP, pension income, Social Security, and the choices that shape your financial future.
Free lunch provided * No sales pitch * Just practical guidance
Who This Seminar Is For
This seminar is designed for people who are getting ready to retire and want to make informed decisions before they step away from work.
You should attend if you are:
* 0-12 months away from retirement
* concerned about whether your money will last
* unsure how your pension, DROP, or 457 plan fits into your retirement
* wondering when and how to claim Social Security Benefits
* looking for practical guidance before making permanent retirement decisions
what you will learn at the seminar
This is a practical lunch seminar focused on the real financial decisions pre-retirees face just before retirement.
At this seminar, you will learn:
- how to estimate your retirement income
- how pensions, DROP, and 457 deferred comp plan work together
- what to consider before claiming Social Security
- how to identify possible income gaps before retirement begins
- how to prepare for healthcare, taxes, and unexpected expenses
- the most common mistakes people make in the final year before retirement
- the steps to take now so you can retire with more confidence
Why the Final 12 months matter so much
The final year before retirement is one of the most important financial transition periods of your life. Decisions you make now can affect your income, taxes, lifestyle, and peace of mind for years to come.
Many people retire without fully understanding:
- how much income they will actually have
- when to draw from savings
- whether they should delay Social Security
- how healthcare and taxes may affect their monthly income
- what financial gaps may appear after the paycheck stops
This seminar is designed to help you slow down, review the numbers, and make more confident decisions before retirement begins.
What you will walk away with
By the end of the seminar, you will leave with a better understanding of:
- the major retirement decisions you need to make before leaving work
- the income sources you may be able to rely on in retirement
- the key risks that can hurt a retirement plan
- the questions you should asking now, not later
- the next steps to help you move toward retirement with greater confidence
The goal is simple: help you retire with more clarity, fewer surprises, and a stronger plan.
Meet Your Presenter
James Veal is a retirement planning professional who helps pre-retirees make smart financial decisions before they retire. With over 25 years of experience helping people prepare for retirement, he understands the concerns many workers face in the months leading up to their retirement date.
This seminar was created to give pre-retirees practical, easy-to-understand guidance on retirement income, pensions, DROP decisions, Social Security, and the steps that should be reviewed before leaving work.
What are they saying...
