Do you have non-qualified money invested in the stock market? Did you have to pay capital gains taxes on the gains last year? One way to avoid paying capital gains taxes is to use an annuity, but that really only delays the tax until you withdraw the money. Another option is to use a tax managed portfolio which doesn't tie up your money like an annuity does. Tax managed portfolios are managed to reduce or eliminate capital gains taxes. On a taxable investment isn't that something you want after all isn't it what you get to keep after taxes that is important to you? If that is something that sounds interesting to you let me know.