Complimentary Dinner at KJ's Steakhouse
The Truth About Annuities in Retirement
What Every Retiree Should Understand About Protection, Income & What To Watch For Before Making a Decision
A straightforward dinner presentation on how annuities work, what they actually cost, and how to evaluate whether one belongs in your retirement income plan — whether you're considering an annuity for the first time or reviewing one you already own.
Monday, September 21 at 6:30 PM
Seating is limited.
EVENT DETAILS
KJ's Steakhouse
10950 S Cleveland Ave
Fort Myers, FL 33907
Complimentary dinner · No Charge To Attend
What We'll Cover
What we'll cover in 60 minutes
The annuity conversation many people aren't having — designed for those five to ten years from retirement or already there.
01
How Annuities Actually Work — In Plain Language
There's a reason annuities are one of the most misunderstood financial tools in retirement. We'll cut through the confusion and explain how different types of annuities work — how your money grows, how income payments are calculated, what "guaranteed" means, and what the actual tradeoffs are.
02
Protecting Your Savings From Market Downturns — Without Giving Up Growth
One of the most compelling features of a fixed indexed annuity is the ability to participate in market gains while being protected from market losses. We'll explain exactly how that works — the mechanics of indexing, rate caps, participation rates, and floors — so you understand what you're getting and what the limits are.
03
Guaranteed Lifetime Income — What It Really Means
"Income you can't outlive" is a powerful promise — but what's behind it? We'll cover how lifetime income riders work, what determines your payout, how the guarantee is backed by the issuing insurance company's financial strength, and what happens to your money if you pass away before the contract value is exhausted.
04
When an Annuity Makes Sense — And When It Might Not
An annuity solves a specific problem: creating dependable, guaranteed income in retirement regardless of market conditions. If that's the problem you need solved, it can be a powerful tool. We'll walk through the situations where an annuity fits well and the situations where other approaches may be worth considering — so you can make a confident, informed decision.
Seating is limited.
The Retirement Income Decision That Can’t Be Undone With a Phone Call
An annuity is one of the few financial tools that can provide something most retirees worry about losing — a guaranteed income stream that lasts as long as you do, regardless of what happens in the market.* But it’s also a meaningful commitment. Surrender periods typically last 5 to 10 years. Fee structures vary between products. And the difference between the right annuity and the wrong one can affect your retirement income for decades.
That’s why understanding how annuities work — before you commit — isn’t optional. It’s essential. And if you already own an annuity, understanding whether it’s still serving you well is just as important.
The right annuity, structured correctly, can provide retirement income you’ll never outlive. The wrong one can lock up your savings on unfavorable terms. The difference is understanding what you’re buying before you sign.
What We'll Cover
Why This Evening Is Worth Your Time
Do you have questions about annuities? Join us for a complimentary meal where we will discuss how annuities work, what they actually cost, and how to evaluate whether one belongs in your retirement income plan — whether you're considering an annuity for the first time or reviewing one you already own.
— Why today’s current economic environment may be one of the most challenging to retire and how annuities can help
— The key differences between different types of annuities — and why choosing the right type for your situation matters more than many people realize
— How to evaluate an annuity you already own to determine whether the terms are still competitive in today's environment
— What "guaranteed lifetime income" really means, how payouts are calculated, and what backs that guarantee so you know exactly what you're relying on
— How fixed indexed annuities allow you to participate in market gains in good years while protecting your savings from loss in down years
— How annuities can help with planning for longevity, inflation and future tax increases to help ensure you won’t OUTLIVE your money in retirement
— When an annuity genuinely strengthens a retirement income plan and when it may not be the right fit for your situation
— The questions you should ask before making any annuity decision to help you move forward with confidence and clarity
Seating is limited.
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Reserve Your Seat
Seating is limited to ensure an intimate setting. Please provide your information below for you and one guest.
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Privacy Policy: All information provided is secure and confidential. By providing your mobile phone number and selecting text message reminders, you are consenting to receive sms communication from Taxes Declassified. Text STOP to opt-out.
Common Questions
Who is this for?
Pre-retirees and retirees with $250,000 or more saved for retirement who are interested in learn how annuities may help them or those who already own an annuity who are seeking to better understand them. The material is calibrated to people approaching retirement or already retired — generally those age 58 to 72.
What should I bring?
A notepad if you'd like to take notes. You don't need to bring any account statements or financial documents. Spouses and partners are welcome — most of these decisions are made jointly, and the material applies to both of you.
© 2026 Your Retirement Reality | Privacy Policy | Terms & Conditions
No alcohol allowed during the presentation. This event is NOT for insurance agents or other financial professionals not affiliated with Safety 1st Financial Group.
Presented by Robert Butmankiewicz. Safety 1st Financial Group offers insurance products and services. Safety 1st Financial Group and Your Retirement Reality are unaffiliated companies. Licensed Insurance Professional.
*Guarantees provided by annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged.
The information contained herein is based on our understanding of current tax law. The tax and legislative information may be subject to change and different interpretations. We recommend that you seek professional legal advice for applicability to your personal situation.
By providing your information and/or attending this event, you give consent to be contacted about a discussion of life insurance and annuities. Attend and learn how insurance products can be used in various stages of retirement income planning.
The presenter can provide information, but not specific advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The presenter may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. For more information, please consult a local Social Security Administration office, or visit www.ssa.gov.