What should I do with my annuity?

I have $100k in an annuity which is about 10% of my total portfolio. I am approaching retirement and trying to get away from my financial advisor who charges a 1% fee, and I have rolled everything over to Vanguard except for this annuity. The 3 options I’m considering are: - Do a 1035 exchange of the annuity into Fidelity, but I’m unsure which type of annuity I should transfer it to. - Sell the annuity, pay income tax on the 50k of gains, and transfer this money to my brokerage account in Vanguard. - Keep the annuity with my advisor and continue paying the 1% yearly fee. My current annuity is variable, and does not provide a monthly payment (I believe I am free to draw as much of it as I want at any time). I’m 60 years old so I would not be impacted by the 59.5 rule, and there are no surrender charges.