We may indeed go into business in Vermont.
We're long in the tooth for this current prosperity, and we see Mr. Greenspan feels the same ... who knows ... not sure Alan is any better than me at predicting tops. 
Lots of due diligence to do, and this will involve significant investment, including about $2M+ in personally-guranteed debt, plus a long term lease. There is real risk, but I believe it is manageable. Upside is very attractive, and I can apply business principles I've learned over decades. Plus help a good team grow in the business.
Question ... we have a small amount in Vanguard and Fideility variable annuities. If all goes south, and we were forced to declare personal bankruptcy down the road, could those annuities be protected? Does that protection require that they be annuitized first? State law specific? Any Vermont attorneys out there? Other suggestions? [I will always be honest with our creditors, but a little planning up front is appropriate.]
Thanks.
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