You pay the load either way with A or B shares, pick your pathway!

Whats up with the annuity in a ROTH, thats the first I heard that one.  I know all about annuity in a 403b..........yikes!

Is this advisor a totally new guy who is advising you?  Do you have any idea what is going on with this annuity and transfer or are you just going with the flow? 

We would really need to know more about you to offer anything other than "dont pay loads".

Has your current advisor learned these things about you? 

Brian