EPISODE · Jun 16, 2026 · 12 MIN
How Fixed Annuities Fund a Self-Directed IRA Rollover
from Annuities with Fexingo: Income Products, Retirement Planning, and Insurance Investments · host Fexingo
In episode 55 of Annuities with Fexingo, Lucas and Luna explore an overlooked strategy: using a fixed annuity to fund a self-directed IRA rollover. They walk through a concrete example—a 55-year-old with $200,000 in an old 401(k) who wants to invest in real estate but needs liquidity during the rollover. The fixed annuity provides a guaranteed 4.5% interest rate for 12 months, acting as a parking spot while the self-directed IRA custodian is set up. Lucas explains how this avoids market risk during the transition, and Luna raises key questions about surrender charges and IRS rollover rules. The episode also touches on why this beats holding cash in a money market fund or taking a taxable distribution. Perfect for listeners exploring alternative assets in retirement accounts. #FixedAnnuity #SelfDirectedIRA #Rollover #RetirementPlanning #RealEstateIRA #GuaranteedYield #AnnuityLadder #IRA #401k #PersonalFinance #Investing #AnnuitiesWithFexingo #FexingoBusiness #BusinessPodcast #Finance #WealthManagement #RetirementIncome #AlternativeAssets Keep every episode free: buymeacoffee.com/fexingo
What this episode covers
In episode 55 of Annuities with Fexingo, Lucas and Luna explore an overlooked strategy: using a fixed annuity to fund a self-directed IRA rollover. They walk through a concrete example—a 55-year-old with $200,000 in an old 401(k) who wants to invest in real estate but needs liquidity during the rollover. The fixed annuity provides a guaranteed 4.5% interest rate for 12 months, acting as a parking spot while the self-directed IRA custodian is set up. Lucas explains how this avoids market risk during the transition, and Luna raises key questions about surrender charges and IRS rollover rules. The episode also touches on why this beats holding cash in a money market fund or taking a taxable distribution. Perfect for listeners exploring alternative assets in retirement accounts. #FixedAnnuity #SelfDirectedIRA #Rollover #RetirementPlanning #RealEstateIRA #GuaranteedYield #AnnuityLadder #IRA #401k #PersonalFinance #Investing #AnnuitiesWithFexingo #FexingoBusiness #BusinessPodcast #Finance #WealthManagement #RetirementIncome #AlternativeAssets Keep every episode free: buymeacoffee.com/fexingo
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How Fixed Annuities Fund a Self-Directed IRA Rollover
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