The job is W-2 and guaranteed for 12 months

Is that guarantee VERBAL or WRITTEN? If it is written, without vaugue disclaimers, then perhaps, otherwise she is glad-handing you. Forget it.

For the most part, I'm a low risk person, so I'm not sure what I want to do. We did work out a rate that seemed to cover the extra risk and lower benefits I would receive, while still providing a decent income increase. Also, my current company's financial situation is still shaky. What do you think?

You will have to assess the stability of your current employer over the next 12 months. If they are a public company go to the SEC site and look at their latest Q10. That will contain full disclosure. If they are not public, and they are shakey, watch the managers/owners above you. If they are nervous, be nervous. If they suddenly change from being nervous to being happy, with a somewhat distached attitude toward their work, they've already signedsold with/to someone else.

Depending in the strength of that 12 month guarantee, it is a 50-50 chance. Flip your coin and take your chances. If neither seems too stable it's time to brush up your resume and start networking.