A prospective financial advisor has done an extremely good job of
convincing me that a variable annuity produced by Equitable, called
Accumulator is a great investment choice for my company's retirement
plan. My question is: what are his financial incentives to "sell" this
to me.  I really have no idea if he is making a killing in commissions
or not on this sort of product.  Specifically, what sort of percent
commission is he likely to make, and will it be front or back end
loaded, or otherwise?  My objective is for me to get a better idea if
he may have a huge incentive to sell this to me.

latexbuster-ga

You may find the following link intresting.
http://www.elkin.com/a_promising_investment_and_cutlery_too.htm
The document was originally published June 1999, however it will give
you some insite into investing in a variable annuity for your
retirement.  Also The Equitable Accumulator is mentioned.  Be very
careful with your retirement money, It really is not what the broker
charges you or makes that matters. You should understand what you own
and potential risks and well as the rewards. Most variable annuities
carry very heavy fees, both while you own them and if you should need
to sell them. Ask questions! Read the contract BEFORE you sign, and if
you are not sure get a second opinion.  If the broker will not give
you a straight answer, you may contact the insurance company for
complete information regarding the fees.