[villageuser]

When I had such a decision to make, I talked with the people at Merril Lynch in Sumter Landing. They looked at all the data, including my health, my husband’s health, our current ages, what we would like our lifestyle to be, our risk tolerance, the market, and other parameters. There was no charge for this, and I was not a customer of theirs, nor was I pressured to become a customers of theirs. I was quite impressed with them.

Rather than asking people who you don’t know their qualifications, I highly recommend for you to do as I did, and as others have recommended. Talk to a financial expert. Bring them all the documentation they require. Hear their pros and cons of the scenarios based on YOUR needs and requirements. Listen to their recommendation and then decide what rings true for you.