A couple of suggestions --Your recommendation to check with Vanguard is good, but, I suggest you also check with http://www.immediateannuities.com/ At that site you can input some data and it will return annuity information. Vanguard is good but not the only game in town.Your friend might consider dividing his "stash" into piles and put a portion into an annuity now and plan to put another portion in several years from now.Bob
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