We're a private client account at Fido, have been with them since 90's. Have a local office that I find a real positive, opened maybe 10-15 years ago. We're on our third "representative." The second one sort of pushed for an annuity to cover DW needs if I go first, my pension stops with me. In reality, there's more than enough for her in the portfolio if I check out as I write this. She's just not interested in managing money. I've appreciated having the reps available, but really not used much other than to confirm that no, I'm not crazy in what I'm doing. Had a pitch last year for them to manage but it just seemed like my set it and forget it was the more productive means to do it.
I've looked at various immediate annuities over the last few years and the payouts are just too low, I assume given the interest rate environment. We have a substantial amount of CD's maturing this December and at this point have no idea what to do with that money. I had it parked there (in tIRA) when MRD's were to kick in at 70 and had figured, meh, will decide what to do then. I guess it will now just go to more Roth conversions, into what in the Roth I don't know. Definitely what one could call first world problems.