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Safety First Financial is built on a foundation of principles that guide us every day. All of our representatives are highly accomplished, knowledgeable and fully licensed. We proudly represent some of the oldest and strongest financial institutions in the world. Safety First Financial believes that the more you know about your money and how it can work for you, the more you will appreciate our services. We offer competitive rates and greater yields with no fees paid by you.We have developed a unique approach that focuses on educating you on the problems you will encounter in retirement as well as methods for preservation of your capital. We believe that you have worked hard for your money, protecting and growing your nest egg is what we do best. For that reason, we do not offer any financial vehicle that places your principal at risk.

GROWTH

It’s not too much to expect a competitive return on your investment. We believe you should “grow it and keep it” versus risking your retirement in the market and possibly taking losses when you need your money most. Safety First strives to provide competitive solutions for a secure and successful retirement.

SAFETY

Safety always matters most and is the first consideration in anything we do. As a matter of fact, we have never lost one dime of our client’s funds due to the stock market. Just because the stock market has its ups and downs doesn’t mean your retirement has to.

INCOME

Having access to your funds so you can meet your financial obligations is what income planning is designed to do. Guaranteed Income takes it a step further to give you peace of mind knowing you will have enough income to last a lifetime.

OUR PRIMARY PURPOSE

SECURING YOUR FINANCIAL SAFETY

Welcome to Safety First Financial

Safety First is dedicated to educating consumers on retirement financial matters so they can make wise decisions and secure their financial future.

Due to current economic conditions and market volatility, many people have been seeking safe places to put a portion of their retirement savings. Annuities have gained the attention of retirees because of their safety and guarantees. Not everyone should own an annuity, but an annuity under the right circumstances can play a vital role in securing your retirement.

Safety First is concerned over the confusion by the public on how annuities work and the stigma consumers are receiving from media and others who do not specialize in this area. There are many types annuities and the experts at Safety First Financial will help you decide which is appropriate for your individual needs.

John Pennachio

Founder

“I am committed to your long-term financial security while meeting your short-term goals”

John Pennachio is a 38 year veteran of the financial services industry and a Florida resident for over 50 years. John was the founder and CEO of Highmark Securities and High Mark Financial which grew to 150 financial specialists, and was eventually sold to a large company in 2004. He also served as the President of a large insurance agency with offices nationwide.

As the founder of Safety First Financial, Mr. Pennachio is committed to your long-term financial security while meeting your short-term goals in retirement. Clients are not interested in gambling their retirement savings – for that reason we do not offer any financial vehicle that places your principal at risk.

Al Cicotte

Financial Professional

“We honor the trust our clients have placed in us, and we understand that the safe return of their money is our top priority.”

AI Cicotte has been active in the Insurance and Retirement Planning Industry for 50 years. AI was the Southeast Senior Vice President and Divisional Director for the 8^th largest insurance company in the United States with over $200 billion in assets, while presiding over a 10 state Southern region that encompassed a staff of 100 employees and annual investment sales of over $800 million.

Al’s extensive background makes him an expert in the retirement planning field and he has been a national seminar speaker to both consumer and industry groups. Additionally, he was the owner of Midtown Insurance Exchange, Southeast Annuity Exchange, and Abbey Insurance Services.

Gwen Nicholson, CEBS, RPA, CMS, GBA

Financial Professional

“I take pride in educating my clients on financial concepts in a clear, concise way.”

Gwen Nicholson has been in the financial services industry for more than 20 years. Educated at The Wharton School, Gwen holds multiple designations in retirement planning, insurance, and compensation. Specializing in the protection of retirement assets, Gwen takes pride in educating her clients on financial concepts in a clear, concise way; with the primary focus on eliminating market risks, while participating in market gains, and providing a tax free income in retirement. Gwen is an Air Force veteran, wife, and mother. Raised on the South Shore of Boston, MA, Gwen is an avid Patriots fan. She left the wintry cold for the much warmer climate of SWFL years ago. She shares her life with her husband and their two Maine Coon cats, Barney and Bailey, the loves of her life, along with grown son who lives in LA.