re: Do I have a bad financial advisor?

Listening? For what? My comment was you don't have enough info to make such a statement. You haven't provided any response.

I made the points that one shouldn't recommend a person get fired with very little facts, that an annuity can be a good choice for some, and that the OP should include his advisor in big decisions if he is going to use one.

I assume the down votes are on the annuity. I don't use them, but they could be a choice for some. Not everyone is financially educated. An annuity is better than doing nothing or reckless gambling. Some people are so risk averse that they never invest at all. And they often spend everything they make and end up with no investments and no savings. Others are so risky that they chase every shiny thing and miss on most of them.

If an advisor is selling a product to better themselves with commission, then shame on them. We don't know that this advisor did that with the little info we have.

I don't work in the financial industry, and am not promoting any product.