Before You Claim Social Security

Learn how your retirement income could affect the taxes you pay.

Retirement is more than a date—it’s a transition that deserves thoughtful planning. The team of trusted financial advisors at October Effect, Ltd. can help you understand how your income, investments, taxes, and long-term goals work together so you can make informed decisions about what comes next.

Many retirees assume Social Security is tax-free. In reality, depending on your retirement income, up to 85% of your Social Security benefits may be subject to federal income tax.

Understanding how different income sources interact before claiming benefits may help you make more informed retirement decisions.

Join Frank Tehel, CFP® at the Meyera E. Oberndorf Central Library for a free seminar designed to help you better understand how Social Security, retirement accounts, pensions, and other income sources work together.

Upcoming Seminars

Taxable Income When Starting Social Security

Meyera E. Oberndorf Central Library

Monday, September 14 • 6:00 PM

Wednesday, September 16 • 11:00 AM

Registration is free, but seating is limited.

This Seminar will Help You

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Understand how and when your Social Security benefits may become taxable.

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Learn how IRAs, pensions and investments affect retirement income.

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Identify common retirement planning mistakes before they become costly.

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Gain confidence about your decisions for your retirement income strategy.

This Seminar is Perfect For Anyone

Age 55+
Planning to retire within 10 years
Recently retired
Already collecting Social Security
 Interested in Retirement Tax Planning

Your Life Should Shape Your Retirement Strategy

Our team of advisors believes retirement planning isn’t simply about the numbers—it begins with understanding what matters most to you.

By listening carefully, considering your complete financial picture, and helping you evaluate the choices ahead, we work with you to develop a strategy aligned with your goals, circumstances, and vision for retirement.

Frank Tehel, CFP – President & CEO of October Effect, Ltd.

Your Host Frank Tehel, CFP®, EA, MSFS, CLU, MSFA, CRPC®, CTP

For more than 40 years, Frank Tehel has helped individuals, families, and business owners throughout Hampton Roads navigate the financial decisions that shape their future.

Since 1982, he has provided fee-based financial planning and investment advisory services with a focus on retirement income planning, investment management, multi-generational estate planning, portfolio coordination, and business succession planning.

Frank has also maintained an active income tax practice for decades, providing tax planning and advisory services in retirement planning, estate planning, and business planning.

Frank believes that successful financial planning begins with listening. By taking the time to understand each client’s goals, values, and circumstances, he builds long-term relationships founded on trust, attention to detail, and personalized guidance.

Click here to read Frank’s extended bio.

RSVP to Reserve Your Seat

We can’t wait to see you! Please submit a registration form for each person attending the event so we make sure we don’t overbook our room.

Questions about the seminar or changes to your RSVP can be emailed to us at seminars@oeltd.co.

Seminar Registration Form

Seminar Location: Meyera E. Obendorf Central Library

Disclaimer

October Effect Ltd. is a registered investment adviser based in Virginia Beach, Virginia and registered with the State of Virginia. Registration as an investment adviser does not imply a certain level of skill or training.

The information provided on this page is for informational and educational purposes only and should not be construed as personalized investment, tax, legal, or financial advice. Advisory services and recommendations are provided based on each client’s individual circumstances, objectives, needs, time horizon, and risk tolerance.

Investing in securities involves risk of loss, including the possible loss of principal. There is no guarantee that any investment strategy will be successful.

October Effect Ltd. is affiliated with and under common ownership with FasTax, Inc. and Tehel and Company, Inc. October Effect Ltd. may recommend tax and/or accounting services provided by these affiliated companies. This relationship presents a potential conflict of interest because of the financial incentive to recommend an affiliate’s services. Clients are under no obligation to use these affiliated companies and may choose another tax or accounting professional. Advisory services and compensation provided by October Effect Ltd. are separate and distinct from the services and compensation of FasTax, Inc. and Tehel and Company, Inc.

The initial 30-minute consultation is complimentary and without obligation. Additional information about October Effect Ltd., including its Form ADV disclosure brochure, is available through the SEC’s Investment Adviser Public Disclosure database.