Hi -- We at NewRetirement do not offer any kind of accounts nor annuities directly.NewRetirement helps retirees to learn about retirement products (like annuities) and we connect retirees with prequalified companies that offer these products.It sounds like you might benefit from speaking with a Financial Advisor. You can get matched to an appropriate advisor by completing the form here:https://www.newretirement.com/Services/Find_Financial_Advisor.aspxCongratulations on actively managing your retirement accounts. This is a wise thing to do.Good Luck!