My "financial advisor" with a bunch of credentials behind the title placed about 200k of my retirement into an annuity w/ usalliance about 2 years ago and this is inside of a sep-ira. This was during my period of naivete (?sp); there's a 7 year period of early surrender charges, so I'm stuck for another 5 years. I'm currently 50, and have a separate sep-ira with vanguard (70% stock 30%bonds). I can shift 10% annually out of the usalliance sep but before I do anything want to get some feed back on this conundrum .....any suggestions, short of firing the CFP for the poor advice.