These complex products are unfortunately often misused and over-sold. Because many annuities carry surrender penalties, it is critical to know what you are getting before you buy. Despite their sometimes-poor reputation, annuities can have value if used in the right situation. If they are sold incorrectly, they can become a burden. If you are considering an annuity let us help you decide if it’s appropriate for you. Whether variable, fixed, indexed, or immediate, annuities can be prescribed for a multitude of reasons and can perform a valuable service not found in other products. Let us help you decide if these products are right for you and if not, help you choose another course