RedactedNarrative: V1 was returning from a cruise and got turned around on the Lake.  Subject thought he was heading to Saylorville Marina and seeing the "lights" of the Marina.  V1 was actually seeing the lights, in a distant, above the Lakeview boat ramp.  V1 Operator did not see the "rock wave breaker" and crashed into it.  No injuries, no alcohol involved and neither subjects were wearing life jackets.