My divorce lump sum setlement was $800,000. I needed to have these funds IRA transferred from my ex husbands as soon as possible. Although, I didn't feel comfortable and was very overwhelmed with divorce, children, new job etc. I met with a financial advisor and told him this was all I had. I shared with him, I wanted to put money down on a home, work as Registered nurse 2 $40,000 yr. Have 3 children undr 15yrs old, had much maritail debt as well as attorneys fees to pay off, not to mention having to buy a car, health insurance, car insurance etc. I was completely overwhelmed and when he suggested I open up a fixed annuity to generate income. Quite frankly, I trusted him. I realize now 5 montha later with a clearer mind that was not the best financial in my favor. I was seeing a doctor at the time to cope with all my changes.Lincoln Benefit will ot dispurse my funds without a hefty penalty and Mr. Finance has made his commission. I do't know where to turn. I wrote numerous letters to the complaint dept @ incoln Benefit and they refuse to dispurse funds without fee. Quite frankly, I don't recall even recieving a policy.Any suggestions? thank you.