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Our financial planner wants us to put our 401k inot annuities (more commission) for him. Our
employer suggests IRA account. Need help retiring June 15. Thanks

Your post does not indicate any need for an annuity. Stay with the IRA.

The annuity may have some benefit if you could not have tax deferred earnings in an IRA and you wanted a set payment (remember inflation) for the rest of your life.
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