text:  Some people think that you should have your money in fixed income like CDs and bonds and structured notes. And some people think the solution is an annuity. And annuities get a bad rap. I mean, if you Google annuities, the first thing that comes up is that guy who says, I hate annuities and you should too, right? And the reality is that as you're getting ready to go into retirement and go through retirement, you do have the choice. You have the choice of whether you want to