Event Details

It's our Member Appreciation Lunch -  email invitations will be sent soon to all members.  Watch for yours!

Social Security & Retirement Planning Basics

Program:  Ray Kozicki from Midwest Financial Network, LLC and SOFA (The Society for Financial Awareness) will present:

• Factors to consider when determining what age to file for Social Security.
• Ways to avoid higher taxation of your Social Security benefits.
• Retirement threats and how to avoid them.
• Learn thought processes relating to income creation in retirement.
• Learn about wealth eroding factors and how to avoid them.

About our speaker:

Ray applies his extensive knowledge of financial products and services to aid clients from all walks of life with their financial goals.

Since 2005, Ray Kozicki has been a financial advisor and resource for individuals and families. k, the leader of his firm, Ray leverages his wealth of knowledge and long history of informing clients about the retirement process to help them create financial strategies.

Ray is also a staunch advocate for financial literacy and has worked with a variety of institutions and organizations dedicated to helping retirees and pre-retirees better understand money, including the Society for Financial Awareness, the Foundation for Financial Education, Heartland Community College, Money Smart Week, and others.

Ray holds memberships in the International k,sociation of Registered Financial Consultants, National Ethics. Association, National Society of Collegiate Scholars, and National Eagle Scout hsociation. Additionally, he is accredited with an A+ rating by the Better Business Bureau (as of Jan. 10, 2020). Ray graduated summa cum laude in business from Waldorf University.

Ray is happily married to his wife, Christina, and father to their son Parker. Together, Ray and his family have been involved in both local and global ministry. They have supported a Brazilian family since 2009 and are active members of the Abundant Life Assembly. Ray's drive to succeed extends into his personal life, so you will often see him swimming, distance running, and creating many adventures with his family.