<prompt> Human: Context: I am an only child and my single mother passed away earlier this year, leaving a little over 500k in inheritance as well as a 401k containing 125k. Before last week, I knew nothing about investments or making any important financial decisions. I am currently living with my uncle and his wife. Before my mother passed away, my uncle hired a lawyer to create a living trustwhere the inheritance wentin which my uncle was named the trustee and I the beneficiary. I am getting a monthly allowance from the trust, which covers all of my living expenses auto and medical insurance, phone bill, etc.. My uncle proposed that I invest the money somewhere, so today I am meeting with an investor who is a family friend of my aunt and uncle for the second time. Last week, I reluctantly agreed to go forward with the suggestion that the investor had laid out in front of me: 200k would go to a mutual fund managed by Transamerica 100k would go to a c series annuity managed by Prudential 125k from the 401k would be rolled over to an annuity under NationwideThis effectively shortens the lifespan of the trust fund because part of whats left of the inheritance is going to my moms other siblings, who she was supporting financially before she passed.Today, we are choosing where to allocate the funds and are closing the deal. What do I need to be aware of to avoid being taken advantage of? Are there any hidden rules I need to know? Do these allocations sound wise to begin with? My biggest worry is the actual liquidity of these investments and any hidden fees since I am currently going to community college and want to be able to afford tuition when I transfer. I have asked questions and done some research, and from what I understand, I should be able to pull out moneyshould the need arisefrom either the mutual fund or the c series annuity since they are both fully liquid the only deciding factor is whether either has lost or gained money.Any and all input is appreciated!!!Update: Well as of now, all the paperwork is finished, but everything is dated Tuesday, September 8 to allow the investor some time to review everything. There is also a two week period where all the processing will be done, but Im unsure if anything can be done at that point, although I have decided to seek legalfinancial help for a second or third opinion as well. Here are some more details on the investments:1. The mutual funds under Transamerica are allocated as such: 35 is invested with moderate growth Global Equity, 35 hybrid allocation Multi-Managed Balanced, and 30 large cap U.S Equity. I guess this allows for different levels of risk and aggressiveness, which makes this investment safer overall.1. The variable annuity under Prudential is allocated evenly to BlackRock Global international, Goldman Sachs, JP Morgan, and the last 25 went to preservation allocation. Only 10 per year can be taken out of this annuity without incurring any penalties.1. Finally, the 401k will be transferred to a fixed indexed annuity with Nationwide.Update 2: My goal was never to antagonize my family. I see a lot of comments saying that my uncle is conspiring against me and I did say that a few weird things happened that led me to believe that something sketchy was in the works, but I never meant to portray him as a villain. I used the word pressured in the title because I felt obligated to at least consider this opportunity, and then accept, because it was a family friend. I had previously looked into the benefits of mutual funds and investments in general before posting on here, and merely wanted to see if the investments were sound, and to see what I could do to secure a future where I wouldnt have to worry about loans or debts i.e. how I could pull money out from the mutual funds or annuity without incurring penalties. The trust fund was created so that I wouldnt run off and spend the money irresponsibly.I feel that it is important to explain that in the note my mom left me, she never mentioned any kind of investment other than a long term CD. I feel that this was her way of protecting me from companies such as WFG, so that I wouldnt be taken advantage of by them. She meant for the money to get me through school, and to help me buy a house. This note was dated October 2014, which meant it was written by her. I have taken into account all the advice given to me in this thread and I will be seeking unbiased legal help from a third party. If I am told that I need to pull the money out of the investment, I will do so. If I am told that I need to move away from my uncle and aunt, I will do so. At this point, my main problem is with WFG. A lot of the ideas that the investor imposed on us meaning me AND my aunt and uncle seemed legitimate and although we sensed a lack of experience, we trusted her decision. This means that if anyone screwed me over, it isnt any of my family, but rather the investor under WFG. Also I feel really stupid for not having done enough research prior and for not taking matters into my own hands because I feel like I just made a mistake.Assistant: A couple of things: did you inherit the whole 625k? Who decided to give 200k to your moms siblings?How much commission is the investment guy getting?Do you get the proceeds of the trust when you turn 21? Human: The 500k came from a mix of assets including equity from selling the house my mother and I lived in. But all of that money is now in the trust.I have yet to fill out the beneficiary election form for the distribution of the 125k in the 401kI was advised by the investor to hold onto the form to see if its possible to directly rollover the money into the annuity.Im not sure how much the investor is getting.Im supposed to get the proceeds of the trust when I turn 30, but I guess thats irrelevant now that the money is being invested.Edit: To clarify, not all of the 200k is going to my moms siblings. My mother left a note in her phone that disclosed instructions on how the money was to be distributed to her siblings. The rest would stay liquid so that I can still pull from the trust fund to cover my living expenses from now until I transfer to a university.Assistant: Did she have a will? This honestly sounds like your uncle is up to something. This stuff should have been in a will, not a not on a phone. Who says she even wrote it?Who found the note, you or your uncle? Did your mother ever talk to you about this note?Human: Ive tried to present my situation as objectively as possible, but I cant deny there have been a few red flags regarding a few actions my aunt and uncle have made the strangest one being not letting me see my moms willwhich wasnt notarized at the time when we retrieved it from my moms best frienduntil she passed away. However, I am still hopeful that they only have my best interest in mind. I dont want to sound like I am suspicious of them because they are family.Edit: And the note with the instructions regarding the distribution of the money to her siblings was in the notes app in her phone. She never discussed any of this when she was alive and the last we spoke about it was when she asked me in the hospital if I knew how to handle my finances before she became unresponsive.  <response>: Ok listen up. i used to be a lawyer. Your uncle is out to screw you. You need your own lawyer NOW. There is no reason AT ALL for your uncle to not let you see it. coupled with the fact your mom provided for her siblings, this is all i need to know to know youre being taken for a ride.They dont have your best interests in mind. THIS IS CLEAR AS DAY. Not to be harsh, but its time you get your head out of the sand, stick up for yourself, that money is as good as gone. 