Jtmitch:Please go back and read my earlier post. I DID NOT recommend a variable annuity for Flocky. Instead, I advised him/her to look at a 403b(7) account from Vanguard. PP, you sound like someone who sells variable annuities. Be sure to let Flocky know that he/she can invest his 403b(7) in an index fund with Vanguard and pay a total expense ratio of 0.18%. Of course his school district must permit him to do this.The best advice that all of us can give Flocky is to take his time in deciding what is best for him. The bottom line is to do your own homework.Dave
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