My understanding is it’s variable annuities that we’re warned to stay away from. Another form is “Fixed,” which may be fine.
Yes, find an impartial but informed financial planner who does not benefit from the sale of the variables. I don’t know all the ins and outs.
Bottom line can be to get $$ into what’s called a QRP or Qualified Retirement Plan. Those funds are not calculated as ordinary, usable assets for EFC or Family Contribution. As Thumper said, this is more thsn just a FA issue.