I'm late to the party but here are my unwavering thoughts.
My obligatory post to anyone seeking investment advice.
Take time to read Paul Merriman’s 3 FREE ebooks.
1. First-Time Investor
2. 101 Investment Decisions
3. Get Smart or Get Screwed (read this first!)
Found at paulmerriman.com
Also on his site are recommended portfolios for using Vanguard, Fidelity, T.Rowe Price or Schwab for DYI'ers. Much good info, ignore the puffery and sales pitches, remember, the info is free.
If you do want to know too much about annuities, listen to Stan The Annuity Man® | Brutally Honest Facts About Annuities podcasts.
Podcast - Have Fun With Annuities(R) | The Annuity Man
Last recommendation is
FIRECalc: A different kind of retirement calculator , a Monte Carlo simulation of your future.
FWIW