Annuities

• Annuities in Shah's account - symetra $420, athena - 271, rest is in managed. Less than $600k in managed account.
• Managed account is liquid
• 5.5% on $38k interest.
• Access up to 10% without taxes.
• If dad had pension, she can do pension + life insurance.
• No RMDs for citizens.
• Death certificate
• Consolidate the managed accounts.