Financial Planning

I am 54, married and have one grown child. I have several different retirement accounts (401k, brokerage accts, etc.), but don’t feel extremely prepared for retirement. My advisor is recommending an annuity, but I’m not convinced. Can someone recommend the right questions I should be asking to determine if this is truly a product I should be purchasing?

I am considering our alternatives to start saving for our son and it looks like the only option is to use a 529 plan, is that correct? Is this the best way to start saving for college and what are the disadvantages? Thank you

My credit is good, but my fiance’s credit has some issuess, such as not paying bills on time and bounced checks. When we get married, how will that impact my credit score?

Are there any differences in terms of how I should invest my money in a regular brokerage account versus my IRA? Are there certain type of investments that are better suited? Thoughts please!

Are REITs a good place to start?

What is the difference?

For this reason or another, at the end of the month, I always seem to have spent my entire paycheck. What are some tips to help me get better at putting money away?

My advisor says he’s a Chartered Wealth Manager; I am looking for a database that I can verify with. Any suggestions? Thank you.