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


March 2019
March 5, Norwood, MA, evening
March 6, Hingham, MA, evening
March 13, Burlington, MA, noontime
March 19, Philadelphia, PA, noontime
March 21, Wayland, MA, evening
March 22, Boston, MA, morning
March 28, Shelburne, VT, evening

April 2019
April 4, Portland, ME, evening
April 8, Taunton, MA, morning
April 8, Worcester, MA, evening
April 16, Needham, MA, noontime
April 16, West Hartford, CT, evening
April 25, Plainville, MA, evening
April 30, Marshfield, MA, evening

May 2019
May 8, Martha's Vineyard, MA, noontime
May 9, Concord, NH, evening

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)