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From your profile:

"I am a woman whose late husband had an annuity which I receive survivor's benefits from. I have been married for 8 years to a man who has a nice 401k plan which I do not want to use up in case of me having to go to a nursing home. Consequently I would like to visit with someone who could help me."

None of us are financial advisors. This is a public, global forum specific to caregiving issues. Go online and search for a financial advisor local to you.
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Attorney.
Best place to ask these questions is probate attorney or Trust and Estate attorney.
Good luck.
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Your profile explains a little bit about what you're asking but posting more specifics here would be helpful
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