QLAC RMD Tax Deferral & Longevity Solver

Underwrite allocating $200,000 of traditional IRA balances into a Qualified Longevity Annuity Contract (QLAC), removing funds from RMD calculations until age 85, and locking in lifetime cash.

IRA Balance & QLAC Premium

Traditional IRA / 401(k) Balance at Age 73 ($ USD)

QLAC Premium Transferred ($ - Max $200,000 SECURE 2.0)

Retiree Marginal Income Tax Bracket (%)

RMD Slashed & Guaranteed Income at 85

12-Year RMD Income Taxes Slashed (Ages 73 to 85)

+$38,450 Direct Tax Slashed

Guaranteed Lifetime Cash Flow Starting at Age 85

+$42,800 / year for Life

Longevity Insurance Buffer Status

100% Guaranteed State Guaranty Backed