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Have Your QLAC Cake & Eat the RMDs Too!: Shootin’ It Straight With Stan
Can a retirement strategy provide future lifetime income while reducing the amount used to calculate required minimum distributions? This episode explores how QLACs work, the trade-offs of delaying income, and the role of life expectancy in annuity payouts.    In this episode, The Annuity Man discussed:  QLAC basics and eligibility QLACs, RMD calculations, and taxes Joint lifetime income and beneficiary options Deferred income and payout timing Life expectancy tables and annuity pricing   Key Takeaways:  QLACs are presented as a way to turn eligible retirement-account funds into future lifetime income. The episode explains that QLAC amounts can be excluded from the RMD calculation, potentially lowering taxable RMDs. Starting income later generally means higher payments, while also requiring a longer wait for income to begin. The discussion emphasizes life expectancy—not market performance—as a key factor in lifetime annuity payouts. Contract options such as joint-life income and beneficiary provisions can affect how a QLAC fits into a retirement plan.   "Lifetime income. That's part of your income floor." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!
Fun With Annuities® - The Annuity Man Podcast
https://www.TheAnnuityMan.com
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