I’m looking for financial advisors, insurance experts and academics with tips on the pros and cons of short-term fixed annuities, like five-ear term certain deals. One advisor suggested to me that these are preferable to CDs these days as a way to park some money and earn a bit more. What do you think? What are the pros and cons, which investors are they ideal for, and who should stay away? What features should an investor look for, and what ones are red flags? What’s the best way to shop for a good deal? Does the investor’s age make a difference? How about tax bracket? What are some better alternatives? What else should I be asking? Requirements: I prefer responses by email containing usable content and quotes, and because I usually get plenty I rarely respond to ones merely offering a source for interview. Please include the source’s contact info, full name, title, firm and location.