Independent, nonprofit education on Social Security, Medicare, and retirement taxation — taught in plain English to California audiences.
Understand the rules that decide how much of your money you actually keep. No products are sold and there is no sales pitch — just clear, unbiased teaching from a public charity.
Reserve a Free Seat See What We CoverWhat You’ll Learn
Most retirement mistakes aren’t about picking investments — they’re about timing, taxes, and rules nobody explained. Our free classes walk through each one in plain English.
When to claim, how spousal and survivor benefits work, and how the earnings test can claw back benefits if you claim too early while still working.
How “provisional income” makes up to 85% of your Social Security taxable, and how to plan withdrawals so you don’t hand back more than you have to.
How a single high-income year can spike your Medicare Part B and D premiums for the next two years — and how to see the cliff before you cross it.
When RMDs start under SECURE 2.0, how they’re calculated, and why the order you draw down accounts can change your lifetime tax bill.
Whether converting traditional savings to Roth makes sense for you, and how to fill a tax bracket without triggering IRMAA or the next bracket up.
How a surviving spouse can owe dramatically more tax on the same income after filing status changes — and what to plan for ahead of time.
Free Online Tools
No sign-up required. These are the same tools we use to teach — free to everyone, forever.
Pick an upcoming class near you. Seating is limited and every workshop is free to attend.
Why It’s Free
The Retirement Literacy Foundation is a 501(c)(3) public charity. Our mission is education, not selling — our workshops are teaching sessions, not sales seminars, and the Foundation does not sell insurance or investment products.
We believe retirees make better decisions when someone simply explains the rules clearly and answers their questions. That’s what we do, at no cost.
IRS-recognized 501(c)(3) · EIN 41-5062266