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March 26, 2026 | 10:00-11:00 AM

InFocus Financial Advisors, Inc.
Annuities: The Pros, The Cons, and The Full Picture

Lewes Public Library | 111 Adams Ave, Lewes, DE 19958

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Annuities: The Pros, The Cons, and The Full Picture

As retirement approaches, understanding the nuances of taxation can significantly impact one’s financial security. To equip current and future retirees with essential knowledge. Led by Eric Johnston, a Certified Financial Planner (CFP®), this class aims to demystify annuities and equip attendees with the knowledge they need to make informed decisions about their retirement investments.

The “Annuities: The Pros, The Cons, and The Full Picture” class will cover the following key topics:

  • What annuities are and how they really work.
  • The different types of contract riders and what they mean.
  • When annuities are a suitable choice for retirement investors and when they are not.
  • How annuities can negatively impact your retirement success.
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About InFocus Financial Advisors, Inc.

Our highly educated and experienced team is a nice blend of size and sophistication in a world of “low-value single advisor offices” or “over-staffed high-fee offices.” Our team has advanced and personalized investment and planning capabilities, while keeping the costs to clients lower than the industry average.

 

The guarantee of an annuity is backed by the claims paying ability of the issuing insurance company.

Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. There is a surrender charge imposed generally during the first 5 to 7 years or during the rate guarantee period.

Index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index of annuity for its features, costs, risks and how the variables are calculated.

There is a surrender charge imposed generally during the first 5 to 7 years that you own a variable annuity contract. Withdrawals prior to age 59 1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. The prospectus contains this and other information about the variable annuity. Contact your financial professionals to obtain a prospectus, which should be read carefully before investing or sending money.