Czarnowski ConsultingProgram Offerings

Social Security benefits were never intended to be someone’s sole source of income. Instead, they should be seen as the foundation on which to build a secure retirement.

Here’s an example of the topics which would be covered in a typical presentation which is designed to bring this message home to participants. Needless to say, the program can and will be tailored to meet the specific needs of the audience.

“Social Security and Retirement Planning: A Hit or Myth Proposition”

Upcoming Presentations


June 2019
June 4, Lynnfield, MA, afternoon
June 5, Hyannis, MA, evening
June 6, Acton, MA, evening
June 7, Portsmouth, NH, noontime
June 10, Marlboro, MA, afternoon
June 11, Marlboro, MA, afternoon
June 11, Dartmouth, MA, evening
June 12, Cambridge, MA, morning
June 12, Stoneham, MA, evening
June 13, Boston, MA, evening
June 14, Hartford, CT, morning
June 18, Marlboro, MA, afternoon
June 18, Norwood, MA, evening
June 19, Marlboro, MA, afternooon

July 2019
July 18, Lowell, MA, noontime

For more specific information (exact time and location) about any of the presentations listed above, please contact me.

Introduction
(3 minutes)

  • Social Security: What It Is and What It Isn’t

Social Security’s Planning Tools
(3 minutes)    

  • The Social Security Statement
  • The “Online Retirement Estimator”

When to Start Receiving Retirement Benefits
(10 minutes)

  • Full Retirement Age (FRA)
  • Early Retirement Options
  • Delayed Retirement Credits (DRCs)

How Social Security Calculates a Benefit Amount
(10 minutes)

  • Benefit Formula
  • Replacement Rates

Work in Retirement
(5 minutes)

  • Retirement Earnings Test (RET)
  • Recomputations

Spousal, Survivor, and Divorced Spousal Benefits
(10 minutes)

2019 Strategy for Maximizing Social Security Benefits
(5 minutes)

  • Claim Some Now, Claim More Later

Taxation of Benefits
(2 minutes)

Wrap Up
(2 minutes)