Landslave -- you may be mixing up what a CFP does and what a financial advisor or insurance broker does. Yes, the latter two can also get a CFP designation, but you could see them and not get CFP services.
The number one service that CFP's seem to sell right now is retirement planning projections--e.g.,
"What is my number?",
"Will my current assets be enough",
"How can I save the gap"?
"What tax advantaged planning opportunities should I use?",
"Strategic investing ",
- -> but investing advice is limited to asset allocations and as it relates to tax planning instead of picking an actual individual investment. A financial advisor with a securities license is needed for specific stock and fund selection.
"What are my risks and how much insurance do I need?" and
"Estate planning - do I need to do something differently to get the result I intend?"-
Your insurance broker did not explain to you why the annuity was the best fit for your long term investment needs? Then I would say that they were not using their CFP hat when they sold it to you. You should know exactly why the annuity is a better choice than self-directed equities for that portion of your money.