How Longevity Annuity Income Payments are Taxed

Non-qualified (non IRA dollars) is tax deferred growth until income starts. Income payments are excluded from tax at a certain "exclusion ration" which is given on the company quotes. Exclusion ration, often expressed as a percentage, is the return of deposit back in equal income tax free payments READ MORE

Add Cost of Living Adjustment (COLA) or not?

Besides selecting your income start date or age you will have a very important option to include or reject based on your income payments in the future. Cost-of-Living Adjustments or COLA option...

Stop RMD Taxes with a QLAC

The main benefit of the QLAC is to allow IRA owners the ability to delay the required minimum distribution (RMD) requirement to past age 70 ½......

Missing Vanguard QLAC and Fidelity QLAC

Known for their low cost fees both Vanguard and Fidelity do not have QLAC available.....

6 Reasons to Consider Buying Longevity Insurance

Over the last few years, annuities have begun to take a more prominent role in the retirement income planning process and part of the reason is longevity risk......

How Interest Rate Changes Income Payments

Why purchase an annuity when interest rates are low?

A deferred income annuity can be a good way for you to diversify your portfolio and ensure guaranteed, lifetime income that can help you maintain your lifestyle

throughout retirement. But many people have...

CPI-U vs. Fixed Annual Increase (COLA)

Historically Social Security has had a CPI cost of living adjustment feature. When choosing your income payments CPI-U feature is available with one provider....

VIDEO: #1 Risk in Retirement

What is the number one risk in retirement? You can use this risk to your advantage to optimize your retirement income with this ....

Longevity Credits: Time to act now

The Life insurance and annuity industry only has a limited number of credits to keep income payout rates high. Time to act is now....

Saving on Health Care & Medicare premiums in Retirement

During retirement fixed costs are essential to be managed and kept low to maximize disposable monthly income. One of the highest fixed costs in retirement are health care and Medicare expenses which happen to be the most expensive in retirement.

Top Income: CD and Immediate Annuity vs. QLAC

Guaranteed retirement income is most commonly supplied thru social security. As you wait to claim benefits it grows. Buying income in two ways can help supplement your retirement income...

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