Hi Tony,It sounds like you mean that your 401K is going up and down like crazy. An annuity can provide a reliable stream of income, but some have high fees and also still have volatility.You should probably ask your planner if he or she is going to make money on the transaction and how much. You may also want to get a second opinion on whether a variable annuity is a good choice and if so whether you are getting good pricing on the annuity. Generally we favor fixed annuities since they are typically lower cost and don't have the market volatility mixed in.Good luck!