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Greetings, KSSmith, and welcome. You asked:

<<I am a "Contractor" for a large oil company. My agency pays me W-2 wages, the agency does not offer any benefits except for 2 weeks vacation. According to the owner of the agency she cannot do an SEP or 401K because she is considered "top heavy"

Besides an IRA what options do I have for a retirement plan? I'm not fond of annuities.>>

There are no other tax-deferred vehicles available to you other than an IRA or annuity. Given an aversion to annuities, many Fools would simply max out the IRA and then place remaining money in a long term, buy and hold taxable account.

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