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

April 11th, 6:30pm to 7:30pm
In this class understand what Delayed retirement credits are and how to earn 8% more a year by using SS strategies that are available. Discover how COLA can affect your future SS benefits and discuss Break even analysis- when is the best time to access your benefits: 62, 66, or 70? Learn SS rules that affect you in 2018.
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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