I have read all of the responses to-date and pretty much agree. I also have PCN and NCV.
Not interested in annuities, but also invest in several individual stocks -- although the last year and a half, I haven't made much of a show with the stocks.
Have been retired since 2000. During the interim have held Pimco CEFs, NVC, REITs, utilities for income (off and on).
You are smart to be looking ahead!