The economy continues to be stronger than most people thought it would be, particularly in light of the hurricanes. I hate being a cynic, but it is an election year (for Congress) . . . the president will do everything he can to have the economy humming, people feeling good about themselves and being employed.

If you are not astute in managing money, are not comfortable working with a financial planner, and are concerned about the market, taking an annuity may give you greater peace of mind.

There is this natural inclination to get more timid when you lose your ability to earn money. No one wants to live with the kids and everyone wants a new car every few years.

A lot of people just figure they'll draw 5, 6, 7, even 11 percent on their investments every month and they'll be set.

You might want to take an annuity if you have super longevity in your family.

One of the biggest mistakes people make with their investment planning is they are too linear. They need to look at all the possibilities.