The QLAC Strategy to Reduce Required Minimum Distributions

Episode 34 of Retirement Planning with Fexingo dives into Qualified Longevity Annuity Contracts — QLACs — and how they can reduce your Required Minimum Distributions by deferring a portion of your tax-deferred savings to age 85. Lucas and Luna explain the mechanics, the updated 2026 limits, and the trade-offs, including liquidity risk and inflation concerns. They walk through a concrete example of a 72-year-old retiree with a $1.2 million IRA who defers $200,000 into a QLAC, cutting their first RMD by nearly $7,300. The episode also covers why QLACs aren't for everyone and how they fit into a broader tax-bucket strategy. Perfect for pre-retirees worried about RMD tax bombs and sequence-of-returns risk. #QLAC #QualifiedLongevityAnnuityContract #RequiredMinimumDistributions #RMD #RetirementPlanning #TaxDeferral #Annuity #LifetimeIncome #IRS #Section401a9 #IRA #TaxBomb #SequenceOfReturnsRisk #LongevityRisk #FexingoBusiness #BusinessPodcast #Finance #Retirement Keep every episode free: buymeacoffee.com/fexingo