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

January 2020
January 14, Worcester, MA, afternoon
January 15, Scotia, NY, afternoon
January 21, Jacksonville, FL, evening
January 28, Orlando, FL, afternoon
January 29, Tampa, FL, morning
January 30, New Bedford, MA, evening
January 31, Warwick, RI, morning

February 2020
February 19, Purchase, NY, evening
February 25, Boston, MA, evening
February 26, Norwood, MA, evening
February 27, Newton, MA, evening

March 2020
March 18, Purchase, NY, evening
March 19, Marlboro, MA, evening
March 26, Peabody, MA, evening
March 31, Newton, MA, evening

April 2020
April 7, Marshfield, MA, evening
April 8, Chelmsford, MA, evening
April 9, Worcester, MA, evening
April 28, Osterville, MA, evening

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
(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)

Applying for Social Security Benefits
(5 minutes)

  • Claim Some Now, Claim More Later

Taxation of Benefits
(2 minutes)

Wrap Up
(2 minutes)