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Personal Investment & Financial Planning Q`s/municipal funds, annuities vs. low risk funds?


Hi John, Needing advice on pros and cons of buying ohio municipal funds, annuities vs. low risk funds. I'm a retired, divorced teacher, no debt and some money to invest. I welcome all you have to say on the topic! Thanks!

Hi Lee. I am happy to offer any thoughts that I can, however, your question is more of a request for information vs question, in which I could take many avenues in explaining. Please let me know what specific concerns or questions you have about each and I will respond with my thoughts. Thanks!

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John D Smith, CFP


I can answer detailed questions regarding mutual fund investing, retirement planning, education planning and related comprehensive wealth management and investment concerns.


I have been providing fee only investment management and comprehensive wealth management services for the past 19 years.

I have a degree in Financial Planning & Counseling and I am also a Certified Financial Planner practitioner.

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