I don't know if an annuity is a good idea for a settlement my wife and I received. It is for a personal injury case. Our financial advisor is recommending annuities. She seems very nice but I am worried she is pushing us that direction because she will make more vs if we went with mutual funds or something else. Our goals are one to have our money safe from say a lawsuit or anything else. Two, have a steady monthly income. Three, maximize that income. Four, pay little to no taxes. What are some other options that may work for us?