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Join Us For An Event
Hosted by SBC Financial, our workshops and webinars are offered complimentary to our community. Stay informed about our specialty services and learn more about retirement options by joining us at one of our financial workshops.
Call today or click below on a city below to get started in reserving your seat for one of our upcoming client events.
Workshops
Events in November–December 2026
November 5, 2026
November 5, 2026Location:
Foster Community Center
200 N Foster Ave
Lansing, MI 48912
6:00 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
November 5, 2026Location:
Cascade Township Wisner Center - MSSCWC1105
2870 Jacksmith Ave SE
Grand Rapids, MI 49546
6:30 PM
View Map and DirectionsDetails:
For many Americans, Social Security is the single largest asset they have in retirement, and greater than 90% of all recipients do not maximize their Social Security benefits. Advance planning is essential and the decisions you make today can have a tremendous impact on the total amount of benefits you stand to receive over your lifetime.This educational workshop will provide you with much needed information to help you understand the system, coordinate spousal and survivor benefits, minimize taxes, and maximize your personal benefits.
Whether you’re single, married, divorced, or widowed, there may be ways to maximize the lifetime Social Security benefits you receive.
One of the most important decisions you need to make before you retire is when and how to claim Social Security benefits. About half of retirees apply for Social Security as soon as they become eligible at age 62, but by doing so, they may significantly and permanently impact their income and benefits for the rest of their lives. The difference between the best and worst possible decision of when to start Social Security can be well over $100,000!
Register Here
November 9, 2026
November 9, 2026Location:
The Kirby House
2 Washington Ave
Grand Haven, MI 49417
6:00 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
November 10, 2026
November 10, 2026Location:
The Kirby House
2 Washington Ave
Grand Haven, MI 49417
6:30 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
November 10, 2026Location:
Antlers Fireside Grill
10107 Buchanan Rd
Stanwood, MI 49346
6:00 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
November 10, 2026Location:
Allegan District Library
Carnegie Room
331 Hubbard St
Allegan, MI 49010
View Map and DirectionsAn Estate Plan is vital for any individual, couple or family that owns a home and has assets. Ensure that your Estate Planning is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court. Learn various methods and best practices to protect your family from unnecessary costs and wasted time in Probate.
You will learn the following topics, in easy-to-understand terms:
- The advantages and disadvantages of Wills and Living Trusts.
- How Powers of Attorney work and don’t work (some may not be valid if you are disabled or pass away).
- How Probate Court works and why you may want to avoid it for your family.
- Why putting property in your children’s names may be a mistake.
- Common missteps by families raising children with challenges, disabilities or Special Needs.
- Protect your home from being swallowed up by nursing home care.
- Protecting your heirs’ inheritance from lawsuits, divorce and spend-thrifts.
- Best Practices for naming retirement account and Life Insurance beneficiaries.
- How the SECURE Act affects your trust and/or retirement accounts.
- You may never need long-term care, but if you do, how will that affect your family? And how will you pay for it?
- Bonus Topics: Safe money management, protecting retirement savings and tax planning strategies.
Register Here
November 10, 2026Location:
Plainfield Township Library
2650 5 Mile Rd NE
Grand Rapids, MI 49525
6:00 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
November 11, 2026
November 11, 2026Location:
Antlers Fireside Grill
10107 Buchanan Rd
Stanwood, MI 49346
6:00 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
November 11, 2026Location:
Howard Miller Community Center
14 S Church St
Zeeland, MI 49464
6:00 PM
View Map and DirectionsAn Estate Plan is vital for any individual, couple or family that owns a home and has assets. Ensure that your Estate Planning is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court. Learn various methods and best practices to protect your family from unnecessary costs and wasted time in Probate.
You will learn the following topics, in easy-to-understand terms:
- The advantages and disadvantages of Wills and Living Trusts.
- How Powers of Attorney work and don’t work (some may not be valid if you are disabled or pass away).
- How Probate Court works and why you may want to avoid it for your family.
- Why putting property in your children’s names may be a mistake.
- Common missteps by families raising children with challenges, disabilities or Special Needs.
- Protect your home from being swallowed up by nursing home care.
- Protecting your heirs’ inheritance from lawsuits, divorce and spend-thrifts.
- Best Practices for naming retirement account and Life Insurance beneficiaries.
- How the SECURE Act affects your trust and/or retirement accounts.
- You may never need long-term care, but if you do, how will that affect your family? And how will you pay for it?
- Bonus Topics: Safe money management, protecting retirement savings and tax planning strategies.
Register Here
November 12, 2026
November 12, 2026Location:
Allegan District Library
Carnegie Room
331 Hubbard St
Allegan, MI 49010
View Map and DirectionsAn Estate Plan is vital for any individual, couple or family that owns a home and has assets. Ensure that your Estate Planning is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court. Learn various methods and best practices to protect your family from unnecessary costs and wasted time in Probate.
You will learn the following topics, in easy-to-understand terms:
- The advantages and disadvantages of Wills and Living Trusts.
- How Powers of Attorney work and don’t work (some may not be valid if you are disabled or pass away).
- How Probate Court works and why you may want to avoid it for your family.
- Why putting property in your children’s names may be a mistake.
- Common missteps by families raising children with challenges, disabilities or Special Needs.
- Protect your home from being swallowed up by nursing home care.
- Protecting your heirs’ inheritance from lawsuits, divorce and spend-thrifts.
- Best Practices for naming retirement account and Life Insurance beneficiaries.
- How the SECURE Act affects your trust and/or retirement accounts.
- You may never need long-term care, but if you do, how will that affect your family? And how will you pay for it?
- Bonus Topics: Safe money management, protecting retirement savings and tax planning strategies.
Register Here
November 15, 2026
November 15, 2026Location:
Brick and Brine
100 W Michigan Ave
Kalamazoo, MI 49007
6:00 PM
View Map and DirectionsAn Estate Plan is vital for any individual, couple or family that owns a home and has assets. Ensure that your Estate Planning is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court. Learn various methods and best practices to protect your family from unnecessary costs and wasted time in Probate.
You will learn the following topics, in easy-to-understand terms:
- The advantages and disadvantages of Wills and Living Trusts.
- How Powers of Attorney work and don’t work (some may not be valid if you are disabled or pass away).
- How Probate Court works and why you may want to avoid it for your family.
- Why putting property in your children’s names may be a mistake.
- Common missteps by families raising children with challenges, disabilities or Special Needs.
- Protect your home from being swallowed up by nursing home care.
- Protecting your heirs’ inheritance from lawsuits, divorce and spend-thrifts.
- Best Practices for naming retirement account and Life Insurance beneficiaries.
- How the SECURE Act affects your trust and/or retirement accounts.
- You may never need long-term care, but if you do, how will that affect your family? And how will you pay for it?
- Bonus Topics: Safe money management, protecting retirement savings and tax planning strategies.
Register Here
November 16, 2026
November 16, 2026Location:
Brick and Brine
100 W Michigan Ave
Kalamazoo, MI 49007
6:30 PM
View Map and DirectionsAn Estate Plan is vital for any individual, couple or family that owns a home and has assets. Ensure that your Estate Planning is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court. Learn various methods and best practices to protect your family from unnecessary costs and wasted time in Probate.
You will learn the following topics, in easy-to-understand terms:
- The advantages and disadvantages of Wills and Living Trusts.
- How Powers of Attorney work and don’t work (some may not be valid if you are disabled or pass away).
- How Probate Court works and why you may want to avoid it for your family.
- Why putting property in your children’s names may be a mistake.
- Common missteps by families raising children with challenges, disabilities or Special Needs.
- Protect your home from being swallowed up by nursing home care.
- Protecting your heirs’ inheritance from lawsuits, divorce and spend-thrifts.
- Best Practices for naming retirement account and Life Insurance beneficiaries.
- How the SECURE Act affects your trust and/or retirement accounts.
- You may never need long-term care, but if you do, how will that affect your family? And how will you pay for it?
- Bonus Topics: Safe money management, protecting retirement savings and tax planning strategies.
Register Here
November 17, 2026
November 17, 2026Location:
Bay Pointe Woods
5100 Oarie Dr
Shelbyville, MI 49344
6:00 PM
View Map and DirectionsAn Estate Plan is vital for any individual, couple or family that owns a home and has assets. Ensure that your Estate Planning is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court. Learn various methods and best practices to protect your family from unnecessary costs and wasted time in Probate.
You will learn the following topics, in easy-to-understand terms:
- The advantages and disadvantages of Wills and Living Trusts.
- How Powers of Attorney work and don’t work (some may not be valid if you are disabled or pass away).
- How Probate Court works and why you may want to avoid it for your family.
- Why putting property in your children’s names may be a mistake.
- Common missteps by families raising children with challenges, disabilities or Special Needs.
- Protect your home from being swallowed up by nursing home care.
- Protecting your heirs’ inheritance from lawsuits, divorce and spend-thrifts.
- Best Practices for naming retirement account and Life Insurance beneficiaries.
- How the SECURE Act affects your trust and/or retirement accounts.
- You may never need long-term care, but if you do, how will that affect your family? And how will you pay for it?
- Bonus Topics: Safe money management, protecting retirement savings and tax planning strategies.
Register Here
November 18, 2026
November 18, 2026Location:
Bay Pointe Woods
5100 Oarie Dr
Shelbyville, MI 49344
6:00 PM
View Map and DirectionsAn Estate Plan is vital for any individual, couple or family that owns a home and has assets. Ensure that your Estate Planning is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court. Learn various methods and best practices to protect your family from unnecessary costs and wasted time in Probate.
You will learn the following topics, in easy-to-understand terms:
- The advantages and disadvantages of Wills and Living Trusts.
- How Powers of Attorney work and don’t work (some may not be valid if you are disabled or pass away).
- How Probate Court works and why you may want to avoid it for your family.
- Why putting property in your children’s names may be a mistake.
- Common missteps by families raising children with challenges, disabilities or Special Needs.
- Protect your home from being swallowed up by nursing home care.
- Protecting your heirs’ inheritance from lawsuits, divorce and spend-thrifts.
- Best Practices for naming retirement account and Life Insurance beneficiaries.
- How the SECURE Act affects your trust and/or retirement accounts.
- You may never need long-term care, but if you do, how will that affect your family? And how will you pay for it?
- Bonus Topics: Safe money management, protecting retirement savings and tax planning strategies.
Register Here
November 19, 2026
November 19, 2026Location:
Rio Grande Steak House
5501 Northland Dr NE
Grand Rapids, MI 49525
6:00 PM
View Map and DirectionsAn Estate Plan is vital for any individual, couple or family that owns a home and has assets. Ensure that your Estate Planning is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court. Learn various methods and best practices to protect your family from unnecessary costs and wasted time in Probate.
You will learn the following topics, in easy-to-understand terms:
- The advantages and disadvantages of Wills and Living Trusts.
- How Powers of Attorney work and don’t work (some may not be valid if you are disabled or pass away).
- How Probate Court works and why you may want to avoid it for your family.
- Why putting property in your children’s names may be a mistake.
- Common missteps by families raising children with challenges, disabilities or Special Needs.
- Protect your home from being swallowed up by nursing home care.
- Protecting your heirs’ inheritance from lawsuits, divorce and spend-thrifts.
- Best Practices for naming retirement account and Life Insurance beneficiaries.
- How the SECURE Act affects your trust and/or retirement accounts.
- You may never need long-term care, but if you do, how will that affect your family? And how will you pay for it?
- Bonus Topics: Safe money management, protecting retirement savings and tax planning strategies.
Register Here
November 24, 2026
November 24, 2026Location:
Rio Grande Steak House
5501 Northland Dr NE
Grand Rapids, MI 49525
6:00 PM
View Map and DirectionsAn Estate Plan is vital for any individual, couple or family that owns a home and has assets. Ensure that your Estate Planning is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court. Learn various methods and best practices to protect your family from unnecessary costs and wasted time in Probate.
You will learn the following topics, in easy-to-understand terms:
- The advantages and disadvantages of Wills and Living Trusts.
- How Powers of Attorney work and don’t work (some may not be valid if you are disabled or pass away).
- How Probate Court works and why you may want to avoid it for your family.
- Why putting property in your children’s names may be a mistake.
- Common missteps by families raising children with challenges, disabilities or Special Needs.
- Protect your home from being swallowed up by nursing home care.
- Protecting your heirs’ inheritance from lawsuits, divorce and spend-thrifts.
- Best Practices for naming retirement account and Life Insurance beneficiaries.
- How the SECURE Act affects your trust and/or retirement accounts.
- You may never need long-term care, but if you do, how will that affect your family? And how will you pay for it?
- Bonus Topics: Safe money management, protecting retirement savings and tax planning strategies.
Register Here
December 2, 2026
December 2, 2026Location:
Plainfield Township Library
2650 5 Mile Rd NE
Grand Rapids, MI 49525
6:00 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
December 3, 2026
December 3, 2026Location:
Plainfield Township Library
2650 5 Mile Rd NE
Grand Rapids, MI 49525
6:30 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
December 10, 2026
December 10, 2026Location:
Amy Van Andel Library
7215 Headley St SE
Ada, MI 49301
6:00 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
December 17, 2026
December 17, 2026Location:
Amy Van Andel Library
7215 Headley St SE
Ada, MI 49301
6:30 PM
View Map and DirectionsWhat You'll Learn at This Event...
Why You Need to Attend This Event...
Do you know the exact date you will claim your Social Security benefits? With over 531 claiming options, a precise strategy for when and how to claim your Social Security benefits could prevent you and your family from needlessly losing thousands of dollars. A successful retirement plan all starts with wisely managing your Social Security income.
We help our clients build their retirement income plans and watch them retire successfully from the effort.
Register Here
Webinars
There are no webinars scheduled at this time. Please call our office at (616) 965-6275 to learn more.
SBC focuses on you..
I had different financial planners sell me different products over the years, but there was always one element missing. My needs weren't the focus. They were more interested in their commissions than my needs. I was wary of anyone "guiding" my money to its fullest potential. Eventually we received an invite to what I'll call a social security enhancement class. It was from Curtis Cottle. We still did not have the answers we were looking for, so we decided to go.
We connected with Curtis right away and my experience has been completely different. I now have confidence that my money is working to fulfill my goals. It is well diversified and it has everything to do with me. Just as importantly, I get the guidance I need. I get the explanations I desire. Curtis keeps me informed as to when to move investments, take profits and when to hold off. The things I thought a financial advisor was supposed to do.
The thing I like best about working with SBC Financial is that I trust Curtis. That is probably the most important to me. I don't have to worry if I am making financial decisions wisely. If Curtis says this is the best for me, I have the confidence that it is. He has not steered menu wrong. I actually believe that the wisest financial move I made is my connection to Curtis Cottle and SBC Financial.
Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials. Because the testimonials are provided by existing clients, there is a conflict of interest because we provide services to the clients.





