<prompt> Human: Im hoping you may be able to help me with this. My mother is 59-years-old, widowed and retired. She recently won a large lawsuit and came into approximately 400,000. She went to a financial advisor and he told her she should put her money in annuities. He told her to invest at least 100,000 and then gain 4 back per year, but knowing that she could only withdraw certain amounts at a time determines by the investors, and could never take out the money in a lump sum. The way she understood it, she might be able to take 100 per month the first year and then maybe 250 a month the second year, but it all comes out of the initial investment.My mom is a very conservative person and doesnt want to take big gambles, and would rather have less interest than lose her money. In this case with the advisor, she doesnt like the feeling of knowing she cant get to her money if she would ever need it.I would really appreciate any advice you can give me to guide my mom. Her and my dad never had money, so she doesnt know what to do with it, and I want her to be set for the rest of her life, but I also dont know how to guide her.  <response>: Your mom is right on this one. Start with the wiki on the right. 