You're invited!
Retirement is Within Reach
Join us for a complimentary, gourmet dinner and eye-opening retirement discussion. We’ll discuss how to help protect your life savings from taxes, inflation, and market risk—and avoid costly mistakes many retirees don’t see until it’s too late.
- "Am I going to outlive my money?"
- "Do I actually have a plan… or just a portfolio?"
- "What if I’m doing everything right… but it’s not enough?"
Get the answers to your biggest questions—and walk away with clarity, confidence, and the information you need to help you create a strategy that’s built for today’s market realities.
Secure your spot and learn ways to help protect what you’ve built. Complimentary dinner included. No cost. No pressure. Just clear answers.
Join us FOR DINNER. Leave with INSIGHTS TO HELP CREATE a MORE EFFECTIVE retirement strategy.
- Dates
– Tuesday, July 29 at 6:00 p.m.
- Location
Candywood Wine Cellar
765 Scoville North Rd, Vienna, OH 44473
At this dinner seminar, we'll discuss:
-
Will My Money Last?
Learn how to create reliable retirement income that can last 25+ years — without guesswork or outdated rules.
-
How to Pay Less in Retirement Taxes
Explore strategic moves—like Roth conversions—that can help lower your tax bill in retirement and help you keep more of your income working for you.
-
The Right Time to Take Social Security
Claiming at the wrong time could cost you. Learn ways to help optimize your benefits based on your broader income strategy.
-
Why Some Retirement Plans May Fall Short
Traditional advice often ignores inflation, taxes, and longevity. Learn what modern retirees need to help them succeed.
-
The Shift from Saving to Spending
Distribution planning is different. Discover how to draw income without derailing your long-term goals.
-
Protecting Your Family and Your Legacy
Learn how to structure your plan to help preserve wealth, potentially minimize taxes, and support the people and causes you care about.
You Saved Well for Retirement. But Could Mistakes Affect the Next 25+ Years?
You spent your career building your savings. But retirement isn’t just about what you’ve saved—it’s about what you keep.
Most people don’t lose their wealth in one bad day. But some lose more than they need to, slowly—to taxes, inflation, and unclear income planning.
If you’re retired or nearing retirement, this dinner event is a chance to help uncover the gaps, risks, and opportunities in your current plan.
There's no better time to reevaluate your retirement income plan to help ensure you won't outlive your hard-earned money.
Why Attend?
01
Preparedness
People thinking ahead and preparing for an early retirement or looking to reach their goals and live the lifestyle they envision.
02
Preservation
Pre-retirees or retirees who have done a really good job at saving for retirement and want to help ensure they don’t outlive their savings.
03
Confidence
Those who don’t currently have a retirement strategy in place or are looking for a second opinion to make sure they have considered all the strategies available to them.
Protect your financial future.
This event will reveal some common risks many retirees don’t even know they’re exposed to—until it’s too late. Start protecting your future with a seat at this eye-opening seminar.
Proactive Social Security Strategies
Crucial timing strategies for claiming Social Security many people overlook.
How to avoid the retirement tax traps that catch many retirees off guard.
Financial Strategies for Volatile Markets
Why a market downturn in early retirement can disrupt your income plan.
Longevity & Income Planning
How to build an income strategy that adjusts for inflation and longer lifespans.
Your EXPERIENCED Presenter
Raymond Ream
President & Founder | Cottonwood Associates
He started his career as a stockbroker in the late 1970’s at Paine Webber, where he ranked as one of their top brokers. By the mid 1980’s he was employed as the Regional Manager with Eden Financial Group, a wholly owned subsidiary of Paine Webber. During his tenure there, his region was regularly ranked #1 in terms of production. In 1994 he was appointed the Regional Director of Equities at the Lincoln National Insurance Company and he was instrumental in helping develop Western Pennsylvania into one of the top regions in the company.
"I’ve seen too many people do everything right — save, invest, work hard — and still end up with gaps in their plan. My goal is to help fix that, before it’s too late."
Frequently Asked Questions
What is Your Retirement Reality?
Your Retirement Reality is a national entity that partners with financial professionals all across the U.S. to offer unbiased information on the constantly changing tax laws and retirement strategies. There’s a knowledge gap as retirement approaches, and we’re here to help individuals like you determine the best course of action for your ideal retirement.
Who is this event for?
Our presentation is designed for individuals age 50-70 who are nearing retirement or those who have recently retired. To get the most from our events, attendees should have retirement savings ranging from $250,000 to $5,000,000. This ensures our content and strategies are more applicable to your unique financial situation.
Why are you hosting this event?
The information provided at these seminars is designed to help you better understand retirement planning strategies and potential risks. While the presenter may offer materials or share contact information, there is absolutely no obligation to schedule a meeting or purchase anything.
What’s on the menu?
The meal selection will be a Rosé All Day Buffet, featuring pasta and chicken.
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!
© 2025 Your Retirement Reality | Privacy Policy
Cottonwood Associates offers insurance products and services. Licensed insurance professional.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. 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. 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.