<prompt> Human: As the title says, my moms annuity manager prompted her with an investing opportunity to invest 100k into a real estate project of his to build 19 homes in South Carolina. Promising a 35 return. This guy knows how much my mom is worth not a lot given that she had to disclose all of that information when she set up her annuity Im honestly not entirely sure how annuities work. Anyway, after wavering back and forth with this discussion, he said he would take 50k, promising the same return. What questions can I ask this guy to ensure hes not taking advantage of my mom. He said he would do a promissory note to ensure the returns are met. How do we trust this guy? Is this too good to be true? EDIT: thank you for all the comments and concerns. I will definitely be relaying all of this to my mom. To clarify this is not tied to the annuity at all. And yes I absolutely agree that more questions need to be asked, why does he want my moms money when he can go to the bank and get a loan? Also the time horizon is about a year.  <response>: Total scam. Do not give this guy a cent 