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 2018
October 4, Burlington, MA, afternoon
October 11, Warwick, RI, evening
October 16, Providence, RI, evening
October 17, Needham, MA, noontime
October 18, Bedford, NH, evening
October 23, Lynnfield, MA, evening
October 24, Worcester, MA, evening
October 27, Foxboro, MA, morning

November 2018
November 3, Worcester, MA, morning
November 6, Portland, ME, noontime
November 7, Boston, MA, evening
November 15, Franklin, MA, evening
November 16, Southbridge, MA, morning

December 2018
December 5, Hartford, CT, evening

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