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Don't Use a QLAC to Avoid RMD Obligations
Michael Kitces in Nerd's Eye ViewLink to more items from this source
Sept. 23, 2015
"The ability to accumulate mortality credits still means [a QLAC] can be very effective as a fixed income alternative for those who fear they may not have enough money to fund a retirement well beyond their life expectancy. And if [such a] retiree intends to spend all of his/her assets anyway, and the only available dollars for retirement are held in an IRA or other retirement account, the QLAC is an effective means to engage in such a strategy. Nonetheless, the bottom line is that while a QLAC may be a valid way to use a retirement account to hedge against longevity -- and defer RMDs along the way -- it's still not very effective as an RMD avoidance or deferral strategy!"

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