I don't know about the Mastins, but having worked for three financial advisors over the years, I personally would not trust anyone to manage my money who was not a Registered Investment Advisor (RIA) or a Certified Financial Planner(CFP), and a Fiduciary. You should also be aware that both insurance and especially annuities pay a nice up-front commission for the guy that sells them to you. You can go to
SEC.gov | HOME, and check on the record and history of any registered advisor.