and sharon, i guess we should start with bakersfi. what is an annuity. >> it is an you and an insurance company and you put in a certain amount of money and you receive payments immediately or somewhere down the road. the reason why f is when te get to their 50s or 60s and think about how much money they need in their retirement and look at their social security and that is a steady check and if they are lucking looking at pension and getting a steady check but there may be a shortfall and that is where an annuity may come in.g getting a payment later deferred annuity. >> because you don't necessarily want to be relying on a stock market to be a certainly level and you have monthly needs to getting that paid out. >> how do you know if you need an annuity? how do you assess it. >> you ask yourself whether or not you do need a monthly paycheck in addition to the social security and if you get a pension. and than maybe your fine maxing out your contribution at work, your 401(k) or ira is enough saved on the side but if the answer is yes,