RMDs, inherited annuities, 1035 exchanges, rollovers, and QLAC rules.
A 1035 exchange lets you move money from one annuity contract into another without paying income tax on the gain. Section 1035 of the Internal Revenue…
A non-qualified annuity is funded with money you already paid income tax on, so only the growth is taxable. Withdrawals come out earnings first under the…
The exclusion ratio is the share of each annuity payment that comes back to you tax free, because it is your own money returning. Divide your…
You can move 403(b) money into an annuity three ways: an in-plan exchange to another approved provider, a plan-to-plan transfer to a new employer's 403(b), or…
You can roll a 401(k) into an annuity, and the safest way is a direct rollover, where the plan sends the money straight to the insurance…
Your 2026 required minimum distribution equals your December 31, 2025 account balance divided by the IRS Uniform Lifetime Table divisor for your age this year. RMDs…
Required minimum distributions follow the account, not the product. An annuity bought with IRA or 401(k) money is subject to RMDs starting at age 73 or…
Beneficiaries owe ordinary income tax on an inherited annuity's growth, not on the owner's original after-tax deposit. Annuities get no step-up in basis, so the deferred…
When you inherit an annuity, you inherit a contract with a deadline attached. You generally choose between a lump sum, spreading payments over five years, or…
Annuities grow tax-deferred, so you owe nothing while the money sits inside the contract. Tax comes due when money comes out. If you bought with already-taxed…
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