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  • I am 54 and want to retire within a couple of years. (I have assets other than the annuity as well as a Navy pension).The conventional (wise) advice is that an annuity is the last investment vehicle you access since you do not have to begin drawing from it as early as with an IRA and you therefore have more years for it to grow tax-deferred.One thing I didn't realize when I bought the annuity is t
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