Complimentary Lunch or Dinner at Aqua Grill in Ponte Vedra Beach, FL
Creating Opportunity in Uncertain Times
The 60/40 Outlook: Modernizing the traditional approach with a FIA as the new portfolio anchor.
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For the Lunch Seminar: Your choice of the Char Grilled Mahi Mahi, Chicken Cutlet Calabrese or Steak Frites.
For the Dinner Seminar: Slow Braised Boneless Beef Short Ribs, Herb Crusted Mahi-Mahi or or Chicken Piccata.
Event Details
Aqua Grill
395 Front St,
Ponte Vedra Beach, FL 32082
Event Options:
– Wednesday, October 22 at 12:00 p.m.
Seating is limited. A complimentary meal will be served. There is no charge to attend!
Event Details
Aqua Grill
395 Front St,
Ponte Vedra Beach, FL 32082
Event Options:
– Tuesday, October 21 at 6:00 p.m. – Wednesday, October 22 at 12:00 p.m.
MENU
For the Lunch Seminar: Your choice of the Char Grilled Mahi Mahi, Chicken Cutlet Calabrese or Steak Frites.
For the Dinner Seminar: Slow Braised Boneless Beef Short Ribs, Herb Crusted Mahi-Mahi or or Chicken Piccata.
Seating is limited. A complimentary meal will be served. There is no charge to attend!
Understanding how to maximize your retirement income during
turbulent times may be your best investment. If you are retired or nearing retirement, timing is everything. Another big drop in the market could be impactful to your retirement plan and lifestyle. It’s time to get prepared.
You and a guest are invited to join local financial professionals Bret Hinman and Michael Spina for an informative event, especially for retirees and those retiring soon. Attend to discover some of the retirement strategies designed to help you protect your assets, potentially minimize taxes and take control of your financial future ‑ even in these uncertain times. Here’s what we’ll cover:
- Do you have a Market Recovery Plan? Discover how many portfolios lack true protection against losses when markets decline.
- Are outdated portfolio models putting your retirement savings at risk? Learn how a single down year can take decades to
recover from—and how to protect yourself. - Are today’s high inflation and rising interest rates weakening the traditional 60/40 portfolio? Discover how bonds may no longer provide the “safety net” many retirees have relied on.
- Why today’s current economic environment may be one of the most challenging to retire and what to do about it.
- The impact that recent changes to tax laws, market volatility and rising inflation may have on your retirement income.
- How you may be able to create guaranteed income in retirement and protect your savings from market volatility.*
- Understanding potential risks that may disrupt your retirement and how you may be able to avoid them.
- And MUCH more!
Privacy Policy: By providing your email, phone number, and selecting "Yes" for text message reminders, you are consenting to receive communication from Your Retirement Reality. All information provided is secure and confidential. Please provide valid email and phone number for seminar confirmation purposes. Seating is limited. There is no charge to attend!
Do you have a retirement income strategy in place?
Don’t miss this information-packed event!
Why attend?
This presentation combines two empowering elements:
Professional Insight
Live instruction from knowledgeable financial professionals in an engaging, easy-to-understand format.
Actionable Next Steps
An opportunity to receive a no-cost retirement snapshot analysis for your current retirement income plan.
Meet Your Hosts
Bret Hinman | Insurance & Retirement Professional, D.S. Drelich & Associates
Michael Spina, CRPC® | Regional Vice President, Athene
As the Regional Vice President at Athene, Michael’s focus lies in empowering financial professionals with innovative retirement sales strategies across Eastern Florida. With a Chartered Retirement Planning Counselor (CRPC®) certification, his expertise in retirement planning is leveraged to address complex investment challenges for clients.
At Athene, their mission is to deliver tailored solutions that meet the evolving needs of retirees. They prioritize building strong relationships with financial professionals, ensuring they have the resources and insights to effectively guide their clients towards a secure retirement.
© 2025 Your Retirement Reality | Privacy Policy
Bret Hinman is licensed to offer insurance products only and do not provide investment, legal, or tax advice. Any discussion of retirement account rollovers is strictly limited to insurance-based options such as annuities. I do not provide recommendations regarding the sale or purchase of securities, nor do I offer investment management services. Clients should consult a properly licensed financial professional before making decisions involving securities or investments.
*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.
Investing involves risk, including possible loss of principal. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. We are not affiliated with any government agency.
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. This presentation is for informational purposes only and is not intended to be financial, legal or tax advice. 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 or a possible advisory relationship. Attend and learn how insurance or investment products can be used in various stages of retirement 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.