Hello....I am about to invest $500k split between variable and fixed Hartford Annunities. The fixed is paying 4.6%, and invests almost all in American Funds which I have had forever and perform very well. The variable has quite a high up front fee....2% of 250k. I see Vanguards is lower....but Vanguards customer service seems to be a question for some on these boards. I also plan on investing in some bonds...here in Cal-e-for-nya.....(that is Arnold's translation). However, with the possible looming interest rate increase, that may not be wise.Anyone have any comments about Hartford? Calif Bonds....etc...or other suggestions? Husband and I are 45 yrs old, 2M in cash flow, and would like to retire by 55-60 yrs. Still plan to be gainfully employed till 55 or so with about $125,000 annually.