“Annuities: The Good, The Bad, The Ugly” coming to the Lewes Public Library

InFocus Financial Advisors Presents "Annuities: The Good, The Bad, The Ugly" at Lewes Public Library

Lewes, DE – As retirement approaches, understanding the nuances of taxation can significantly impact one's financial security. To equip current and future retirees with essential knowledge, InFocus Financial Advisors, Inc. is proud to present the class "Annuities: The Good, The Bad, The Ugly” hosted at the Lewes Public Library on Thursday, September 25, from 4:30 PM to 5:30 PM.

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 Good, The Bad, The Ugly” 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.

Registration to attend the workshop is done online at: https://retireinfocus.com/understanding-annuities/

For more information about the workshop or to reserve a seat, please contact Noah Layfield of InFocus Financial Advisors, Inc. at noahl@retireinfocus.com.

Eric Johnston, CFP®, Financial Advisor offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and a Registered Investment Adviser.  Cetera is under separate ownership from any other named entity.

Event Details:

Date: Thursday, September 25, 2025

Time: 4:30 PM - 5:30 PM

Location: Lewes Public Library, 111 Adams Ave., Lewes, DE

About InFocus Financial Advisors, Inc.:

InFocus Financial Advisors, Inc., is committed to providing proactive planning and investment services to create retirement success for its clients. With a team of experienced professionals, InFocus offers advanced financial expertise while prioritizing cost-effectiveness.

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 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 59½ 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 amount 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 professional to obtain a prospectus, which should be read carefully before investing or sending money.

For media inquiries, please contact:

Noah Layfield

Client Experience Associate

InFocus Financial Advisors, Inc.

31454 Winterplace Parkway, Salisbury, MD 21804

Phone: 410-677-4848

Email: noahl@retireinfocus.com