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.

Upcoming Presentations

October 3, Hingham, MA, evening
October 4, Warwick, RI, evening
October 16, Essex, CT, evening
October 17, West Hartford, CT, evening
October 19, Weston, MA, evening
October 25, Schaumburg, IL, morning
October 25, Oakbrook, IL, afternoon
October 26, Chicago, IL, morning
October 30, Portland, OR, morning
October 31, Sacramento, CA, morning

November 1, San Francisco, CA, morning
November 1, San Francisco, CA, afternoon
November 2, San Diego, CA, morning
November 4, Worcester, MA, morning
November 8, Wellesley, MA, evening
November 9, Canton, MA, evening
November 14, Boston, MA, evening
November 28, Danbury, CT, evening

December 6, Hartford, CT, evening
December 9, Baltimore, MD, morning

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

Introduction (5 minutes)

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

Social Security’s Planning Tools
(5 minutes)    

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

How You Become Eligible for Retirement Benefits
(5 minutes)

  • Earning Social Security “Credits”

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

Spouse’s, Divorced Spouse’s, and Survivor Benefits (10 minutes)

Medicare (5 minutes)

  • Parts A, B, and D
  • Enrollment Periods

Work in Retirement (10 minutes)

  • Retirement Earnings Test (RET)
  • Recomputations
  • Taxation of benefits

Cost of Living Adjustment (COLA) (5 minutes)

Strategies for Maximizing Social Security Benefits
(5 minutes)

  • “No Can” Do Over
  • File and Suspend
  • Claim Some Now, Claim More Later