Have you been considering a Roth conversion but aren’t sure how to handle the taxes or where to hold the funds? In this episode, we explore the growing trend of Roth conversion annuities and how they can help you reduce your tax burden, lower Required Minimum Distributions (RMDs), and pass tax-free money to your beneficiaries.

You’ll learn:

• How Roth conversion annuities work step-by-step.
• The latest updates for 2025, including expanded options from annuity providers.
• Key rules, potential penalties, and tips to maximize your conversion strategy.

Whether you’re planning for retirement or looking to optimize your financial future, this episode is packed with actionable insights to help you make informed decisions.

Tune in now and discover if a Roth conversion annuity is right for you!

Is the 4 percent rule outdated? In this episode, we break down Morningstar’s latest research on safe withdrawal rates for retirement in 2025. Learn why the new rate is 3.7%, what it means for your retirement strategy, and how to balance spending and saving effectively.

We’ll also explore:

• The pros and cons of delaying Social Security.
• How retirees’ spending patterns evolve over time.
• Why annuities can provide guaranteed income and portfolio flexibility.

If you’re planning for retirement or looking for strategies to maximize your income, this episode is packed with insights to help you make confident decisions.

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Did you know there’s a little-known tax rule that could impact your withdrawals if you own multiple annuities with the same company? In this episode, Marty breaks down the Aggregation Tax Rule—sometimes called the Serial Annuity Rule—and explains how it works, who it applies to, and how to avoid unexpected tax surprises.

Using a real-life example, Marty highlights how this rule could result in paying taxes on more gains than expected, potentially even bumping you into a higher tax bracket. But don’t worry—he also shares simple strategies to avoid getting caught by this obscure rule, like using qualified money or spreading your annuities across different companies.

If you’re serious about protecting your retirement income and minimizing tax headaches, this episode is for you.

Key Topics Covered:

• The 4 criteria for the Aggregation Tax Rule to apply
• A real-world example of how this rule can affect your taxes
• Practical strategies to avoid this tax trap