Qualified Longevity Annuity Contract (QLAC) Solver

Underwrite rolling up to $200,000 from Traditional IRA/401(k) into a QLAC, deferring RMDs to age 85, and locking in guaranteed lifetime retirement income.

IRA Roll & Deferral Age

QLAC Premium Deposit ($ - Max limit $200,000)

Current Age (Must be under age 73)

Age to Start Guaranteed Lifetime Income (e.g. Age 85)

Current Marginal Tax Bracket (%)

RMD Tax Avoidance & Lifetime Income

Cumulative Deferred RMD Taxes Saved (Ages 73–85)

$76,800 Tax Deferred

Guaranteed Annual Income for Life Starting Age 85

$62,400 / yr for Life

Monthly Pension Cash Flow (Age 85+)

$5,200 / month