Hey everyone,i,m beginning to feel like the Brett Favre of making a financial decision but I really am having a hard time deciding what to do,I don,t want to make a mistake, so here,s my story and would appreciate feedback. A coulple of weeks ago I met with an advisor who suggested a Met Life Annuity( I posted a thread about it, basicly it was for $500,000.00 ,a 5% quarantee,a survivor option to continue payments and a death payment.)after 5 years I would be able to withdraw 32K a year. Now I visited another planner who suggested a Jackson Variable ,same 500K,after 5 years could withdraw 4.5% a year. No survivor continuation of payments. His theory is that I have the capabilty to convert a life ins policy I have for 250K to continue with locked in premiums of $300 a month never to increase.He feels the Jackson would return higher earnings however the fees for it are 3.33% ($16650.00 yearly) also the fund would have to do better than 8.33% a year for me to see any growth. This seems like a lot of money in fees to me since my target for withdrawls is around 32K a year.I,m wondering if I would be better just leaving my 401K ($950K) in a standard retirement plan(ex Vanguard,New York Life etc.). My calcs I think show me if I could get 3.5% a year, allow for 2% inflation yearly and withdraw $30K a year,it would last for 30 years and still have $650K left.Sorry for the run on explanation but I,m trying to explain as best I can. also I,m 60 years old and retired because of a disabilty,I am also married my wife is 58. Any advice would be appreciated. Thank You. Also since I have the life insurance I could withdraw $36K yearly and still have $233K left,if I got 4% on the money I would have $461K left.