COFE Financial Education Partnership in Clearwater, FL
CLEARWATER, FL • SERVING TAMPA BAY
Based in Clearwater, Florida, Cummings Insurance, Inc., a financial services company participates in educational programs through the Council of Financial Educators (COFE).
These programs focus on explaining Social Security, Medicare, and retirement income in a structured, classroom-style setting designed to help individuals understand their options before making decisions.
About the Council of Financial Educators (COFE)
The Council of Financial Educators (COFE) is a nonprofit 501(c)(3) organization focused on providing retirement education.
Its mission is to help individuals confidently navigate the retirement landscape through structured, easy-to-understand classes offered nationwide.
Our Role in COFE Educational Programs
Cummings Insurance, Inc., a financial services company participates as a volunteer instructor within COFE programs.
Classes are designed to explain how retirement decisions are made and best strategies are discussed. Topics are presented using real-world examples in a classroom-style environment focused on clarity and understanding.
What You Learn in COFE Classes
COFE classes focus on the most common retirement planning topics, including:
Social Security strategies and timing decisions
Medicare basics and coverage options
Retirement income planning and distribution strategies
These topics are explained step by step so you can understand how each decision affects your retirement.
Why the COFE Partnership Matters
Education comes first.
COFE classes are structured to explain retirement decisions clearly before anything is put into place. There are no product discussions during the class.
This allows individuals to understand their options in a neutral setting and make informed decisions at their own pace.
Educational Programs & Community Partnerships
Cummings Insurance, Inc., a financial services company participates in retirement education through structured programs and local community partnerships across Clearwater and the Tampa Bay area.
Through the Council of Financial Educators (COFE) and local venues, classes are made accessible to individuals who want to better understand Social Security, retirement income, and how financial decisions are made.
These programs are designed to provide clear, step-by-step education in a classroom-style environment, helping individuals build a foundation of understanding before making any retirement decisions.
Who These Classes Are Designed For
COFE classes are typically attended by:
Individuals approaching retirement who want clarity before making decisions
Those planning when to take Social Security
Individuals reviewing Medicare and healthcare options
Couples coordinating retirement income strategies
Anyone looking for structured, easy-to-follow retirement education
What Attendees Say
Frequently Asked Questions About COFE Classes
Are the classes really free?
Yes, classes are offered as part of COFE’s educational mission.
Are products or services discussed during the class?
No. The focus is on education and understanding retirement topics.
What topics are covered?
Classes typically include Social Security, Medicare, and retirement income planning.
What happens after attending a class?
Some individuals choose to schedule a conversation to review their situation.
COFE Classes in Clearwater & Tampa Bay
Hosting retirement planning seminars and Social Security classes throughout Clearwater, St. Petersburg, Largo, Palm Harbor, and the greater Tampa Bay area.
Classes are held at local venues and updated regularly, making it easy to attend a session near you.
Start With Education
Many individuals begin by attending a class, then reviewing their situation with our office.
Cummings Insurance, Inc. works with individuals across Clearwater and the Tampa Bay area to help them better understand retirement decisions and next steps.
If you’d like to learn more about our background and approach, visit our About page.
