To this point I have managed my own investments. I would never buy an annuity as one pays horrendous commissions and is on the hook for early termination fees. That is why annuities are "sold", never"bought".
At some point in time I may need an outside manager and I will find a fee only firm or individual.
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"No one is more hated than he who speaks the truth." Plato
“To argue with a person who has renounced the use of reason is like administering medicine to the dead.” Thomas Paine
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