<p>We keep attempting to create a comprehensive financial plan. Now with college expenses right on the horizon (next year!) and retirement, hopefully not too far behind.
We went to a financial advisor at a local bank, but weren’t thrilled with the advice. We have Roth IRA’s, and H should have a pension (but who knows anymore), but we know we need to do more.<br>
One of the only things we have available through our employer is annuities. I have read and been warned against most annuities, but the TSA seems to be the exception. I don’t know the details though.
We are set to meet with someone through Valic about a financial plan, and I imagine a TSA will be suggested. What should we ask about it, or look for to help us decide if it is the right choice for us? (We will steer clear of a variable, and most other annuities.)
I have read about hidden costs and that sort of thing. What do we look at, and look for, to be sure there are no surprises?</p>