I don't know anyone at Geiger Wealth Management, so this is nothing personal. But they are an investment advisory firm that charges both fees and commissions, depending on the products. I've always believed you could do it less expensively yourself, using Fidelity or Vanguard, and their far less expensive funds, and general asset allocation advice. Please read the latest article on my website, about how you can buy immediate annuities direct, without using a broker or advisor who will charge fees and commissions, by going to www.SPIA.direct -- not dot-com, but dot-direct. SPIA stands for "single premium immediate annuity."