This is about one of the worst cases of money management I have ever seen. JT McDaniel, sold me an annuity at the age of 52 years old - which is a product I did not need. I need a product that will MAKE me money. Well, this product has only made me 2.4% in a year of awesome returns on everyone else's investments who are invested in the stock market. I am very disappointed that JT did not have my best interest in mind for my investments. I have expressed this to him and he could care less. I called him and emailed him and it took a week for him to return my call. read more