At what age are you planning to retire, this has a LOT to do with your options?Wife works for the Govt' Im on her insurance/ when I turn 65 the company I work for will be sending me a card with 2000 dollars for every year I worked for them/November 29 2024/ Im going to talk to another adviser in leonardtown next week/what would be some good options.Im a little shaky about turning over my 401k but I do like the fact that I will get x amount of dollars till the day I die but then if the market goes thru the roof I will probably be sad but if it crashes then what?