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I would suggest that when rebalancing your portfolio, you start with the most restricted investment account. In this case, it would be your annuity. Based on your asset allocation and diversification criteria, pick the best options in the annuity and then apply your allocations to your remaining accounts. Most annuities have a period after which the funds can be withdrawn without penalty. When that time arrives, it may be desirous to move some or all to a more flexible investment environment.

Who does not know how old you are or how much you have saved currently, but does not recommend you become too conservative too quickly, and wants to make sure you can really live on $12k retirement income per year...
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