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smadan asks

When opening variable annunities are there any suggestions as to which firms (e.g. Vanguard, T.S. Rowe, Fidelity) are good ones?

The first thing you should do is revisit your decision to buy a vaiable annuity. Most people don't need them and would do better investing elsewhere at much lower fees and expenses.

If you're sure you need a variable annuity, Vanguard probably has the lowest expenses. You might also check out TIAA-CREF.

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