DDEVENY asked, "CAN ANYONE GIVE ME ANY "AMMUNITION" TO USE TO CONVINCE HER THAT AN ANNUITY SHOULD NOT BE USED IN A 401K OR IRA"Sounds like your wife has made up her mind and if she is like mine there probably nothing you say that will change her mind. If I were you I would ask that she find out the following information:1)What is the yearly percentage she is paying in admimistration fees for her present 401k?2)What is the yearly percentage she will pay in the annuity and how much of that will Broker Bill get?3)What is the load she will pay when she buys the annuity and how much of that will Broker Bill get?Once she has this information ask her if she would take the $ difference between the answer to #1 and #2 and the $ amount of the load in #3 and while driving 65 mph down the highway would she throw it out the window? If the answer is no then she shouldn't buy the annuity, if it yes then no arguement you give will change her mind.Point out to her that when she sees the $ amount that friend Broker Bill will get when she buys the annuity and the $ amount he will get every year she will know why he is making this recommendation. Also don't be surprised if he is hesitant to give the information as to how much he will get of her money!!Good Luck, DaveK
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