jrr7 -You're surely welcome to your opinions, but I just wonder about your overall knowledge about tax regs & specific investment product details when you are so liberal with your advise!Your love for Vanguard & TIAA-CREF is noted. They are both good companies. TIAA-CREF has enjoyed lower operating expenses over the years because of their non-profit status. Finally, an annuity in an IRA is not necessarily any AWFUL idea! One might decide to do that to use the guaranteed fixed interest account that pays a higher yield on deposits of a very conservative investor. It's not my favorite recipe, but it is appropriate for some people!Keep an open mind. Regards, PP
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