Look up a Gentleman by the name of Wade Pfau. He has written several books on retirement planning, and the one titled "Safety First" Retirement Planning has about half the book dedicated to the discussion of various types of annuities. While I am definitely not an annuity fan, I read the book on the advise of others to expand my knowledge on the various types of annuities. While I somewhat agree on hiring a fee based financial planner, I believe what you need first is to find a good tax accountant who can give you definitive advice on the tax based aspects of your situation. I believe that Pfau has a blog where you can ask questions pertinent to you situation.
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