Quote:
Originally Posted by roob1
Opinions please
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hmmm, insurance companies lobbyists got their interests added to the tax code. .
There are other ways to lower your RMD, and doesn't require annuities nor insurance companies, and you have control over your finds. .
Also, 200K limit only benefits small retirement accounts. Large retirement accounts' RMDs won't be substantially effected after a QLAC. .
Ask your financial advisor to optimize the balances of taxable accounts, IRA/401k and Roth accounts so that you don't have to pay more than the lowest incremental tax bracket for your level of social security income after the RMD.
This is the golden tax ratio of retirement. .