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

July 2022
July 20, evening, Rochester, N.Y

August 2022
August 11, late afternoon, Boston, MA
August 17, noontime, webinar

September 2022
September 6, morning, Foxboro, MA
September 6, late afternoon, webinar
September 7, noontime, Hartford, CT
September 13, evening, Providence, RI
September 14, evening, webinar
September 15, evening, webinar
September 20, evening, webinar
September 21, evening, New Bedford, MA
September 22, evening, Manchester, N.H.
September 27, evening, webinar
September 28, evening, Rumford, RI

October 2022
October 6, evening, webinar
October 11, afternoon, Orlando, FL
October 18, evening, Hyannis, MA
October 19, early afternoon, webinar
October 19, evening, webinar
October 27, morning, Boston, MA

November 2022
November 10, evening, White Plains, N.Y

December 2022
December 7, evening, Hartford, CT

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

(3 minutes)

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

Social Security’s Planning Tools
(2 minutes)

  • The Social Security Statement

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
  • Average Monthly Amounts

Work in Retirement
(7 minutes)

  • Retirement Earnings Test (RET)
  • Recomputations

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

Taxation of Benefits
(2 minutes)

Applying for Benefits
(3 minutes)

  • Application Options
  • Payment Dates

Wrap Up
(1 minute)