As an instructor affiliated with Adult Financial Education Services (AFES), I specialize in providing planning and guidance to individuals seeking a secure retirement with a guaranteed income. Our focus at AFES extends to offering college courses and workshops aimed at enhancing the financial education of our clients. The objective is to empower retirees and working adults with the knowledge and confidence necessary for informed decision-making tailored to their goals and objectives. In an era where individuals bear increasing responsibility for complex financial decisions, including investments, diversification, and retirement planning, many lack the fundamental knowledge required, placing their financial well-being at risk. Collaborating with AFES, a not-for-profit organization committed to elevating financial literacy among adults, we strive to equip individuals with the skills needed to make sound financial decisions and comprehend investment advice, safeguarding their financial futures.