BEGIN:VCALENDAR VERSION:2.0 PRODID:-//Mechanicville District Public Library - ECPv6.17.4.1//NONSGML v1.0//EN CALSCALE:GREGORIAN METHOD:PUBLISH X-WR-CALNAME:Mechanicville District Public Library X-ORIGINAL-URL:https://meclib.sals.edu X-WR-CALDESC:Events for Mechanicville District Public Library REFRESH-INTERVAL;VALUE=DURATION:PT1H X-Robots-Tag:noindex X-PUBLISHED-TTL:PT1H BEGIN:VTIMEZONE TZID:America/New_York BEGIN:DAYLIGHT TZOFFSETFROM:-0500 TZOFFSETTO:-0400 TZNAME:EDT DTSTART:20250309T070000 END:DAYLIGHT BEGIN:STANDARD TZOFFSETFROM:-0400 TZOFFSETTO:-0500 TZNAME:EST DTSTART:20251102T060000 END:STANDARD BEGIN:DAYLIGHT TZOFFSETFROM:-0500 TZOFFSETTO:-0400 TZNAME:EDT DTSTART:20260308T070000 END:DAYLIGHT BEGIN:STANDARD TZOFFSETFROM:-0400 TZOFFSETTO:-0500 TZNAME:EST DTSTART:20261101T060000 END:STANDARD BEGIN:DAYLIGHT TZOFFSETFROM:-0500 TZOFFSETTO:-0400 TZNAME:EDT DTSTART:20270314T070000 END:DAYLIGHT BEGIN:STANDARD TZOFFSETFROM:-0400 TZOFFSETTO:-0500 TZNAME:EST DTSTART:20271107T060000 END:STANDARD END:VTIMEZONE BEGIN:VEVENT DTSTART;TZID=America/New_York:20261007T180000 DTEND;TZID=America/New_York:20261007T190000 DTSTAMP:20260909T190418Z CREATED:20260909T190418Z LAST-MODIFIED:20260909T190418Z UID:21121-1791396000-1791399600@meclib.sals.edu SUMMARY:October Adult Craft DESCRIPTION:Join us October 7th\, 2026 at 6 pm where we will create Clay Ghosts! \nSpace is limited to 15 adults! \nSign Up Here URL:https://meclib.sals.edu/event/october-adult-craft/ CATEGORIES:Adult Programs END:VEVENT BEGIN:VEVENT DTSTART;TZID=America/New_York:20261014T180000 DTEND;TZID=America/New_York:20261014T190000 DTSTAMP:20260916T160215Z CREATED:20260703T153746Z LAST-MODIFIED:20260916T160215Z UID:20964-1792000800-1792004400@meclib.sals.edu SUMMARY:Social Security Retirement Workshop DESCRIPTION:Social Security Retirement Workshop Overview\nProgram Goal: \nGive adults age 55 and older a clear overview of the key factors to consider before claiming Social\nSecurity benefits\, helping them make informed\, strategic decisions. \n  \nRegister Here \n  \nKey Social Security Challenges: \nRecent concerns about Social Security’s future\, fewer corporate pension plans\, longer life\nexpectancies\, higher divorce rates\, and an aging population all increase the risk that retirees may\noutlive their savings if they depend primarily on government benefits. \nAs retirement planning becomes more complex\, claiming Social Security now requires careful\nstrategy. Retirees must plan thoughtfully or potentially risk missing out on valuable future\nbenefits. \nBecause there is no universal claiming strategy\, individuals often struggle to understand program rules and weigh the long-term financial effects of their decisions. Many strategies that once worked are now outdated\, making it essential to consider overall retirement income needs rather than focusing only on Social Security rules. \nQuestions covered:\n• When should I start collecting Social Security?\n• What steps could help keep Social Security solvent?\n• Should I prioritize Social Security rules or my cash flow strategy?\n• Should I coordinate with my spouse before claiming benefits?\n• Should I get professional guidance before claiming benefits?\nAbout the Workshop:\nThis public-service program is presented by John Kalil\, FSCP®\, a Financial Advisor with Kalil Wealth Strategies. No financial products or services will be sold. Mr. Kalil brings more than 30 years of retirement income planning experience and has offered similar programs at many public libraries across upstate New York since 2014. \nJohn N. Kalil Jr.\, LUTCF®\, FSCP® is a Registered Representative and Investment Adviser Representative of Equity Services\, Inc. Securities and\ninvestment advisory services offered solely by Equity Services\, Inc. Member FINRA/SIPC\, 354 Mountainview Drive\, Suite 200\, Colchester\, VT\n05446; 802-864-6819. Kalil Wealth Strategies and XYZ Library are independent of Equity Services\, Inc.\, Registered Representatives of Equity\nServices\, Inc.\, and do not offer tax or legal advice. For advice concerning your own situation\, please consult with your appropriate professional advisor. \nThis program is for informational purposes only and does not replace tax\, legal\, or financial advice. Personalized claiming strategies and individual guidance will not be provided. This program is neither endorsed nor approved by the Social Security Administration or any government agency. \nTC9054327(0826)1\n© 2026 Kalil Wealth Strategies. All rights reserved. \n  URL:https://meclib.sals.edu/event/social-security-retirement-workshop/ CATEGORIES:Adult Programs END:VEVENT END:VCALENDAR