How safe is a fixed annuity? Is my only option to hold on to Fannie Mae and Freddic Mac preferred stock? Will all my years of hard work be for nothing and my savings disappear?

These are all questions we've gotten by e-mail for the Your Money Helpline. Our lunchtime chat takes place tomorrow.

We're bringing in certified financial planners and other professional advisors. Give us a call. Ask a question. Get some help. It's free. And this group, all members of the Financial Planning Associations of Palm Beach, Broward and Miami-Dade, they're the experts.

From 11:30 a.m. to 2:30 p.m., you can call 1-800-809-1315. You can e-mail your questions to helpline@SunSentinel.com or use the form on our web site.

Come back here, to It's Your Money, tomorrow to see the live Q&A session.

We're going to get you answers. And look at the paper, too, because we'll be publishing some of your questions and their answers there.

Look forward to talking to you.