Social Security Changes for 2018: Knowing When and How to Access your Benefits

April 11th, 6:30pm to 7:30pm
As you approach retirement, the financial choices you make will have an impact on the rest of your life. Ray Kozicki, a financial strategist and educator, will help patrons understand delayed retirement credits and strategies that can help you get in position to retire with peace of mind. He’ll explain how cost-of-living adjustments impact benefits and discuss what age is the best time to access Social Security.

This workshop is provided free of charge through the Foundation for Financial Education 501(c)3 (F3E). No registration is required.

Speaker Biography:
Today’s teacher is Ray Kozicki, Financial Strategist and Educator/Volunteer with F3E. Ray has been an educator in the financial services industry since 2005. He attended the University of Illinois and began his career teaching investment advisors and financial planners how to create strategic financial plans to meet their clients’ needs. Knowing the extreme necessity for financial literacy following the devastation of the 2008 recession, Ray switched his focus to teaching organizations, businesses, and families basic holistic planning concepts in order to get their “financial houses” in order.
Ray is currently an instructor at Heartland Community College, a registered instructor for Money Smart week, and also continues to further his own personal education at Waldorf University in Forest City, Iowa. He maintains a personal financial planning practice in the Chicagoland Area working as a consultant to other financial professionals, and is also a client advisor. In addition, Ray maintains an A+ accreditation with the Better Business Bureau in the area of financial planning services.
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