HH-HW-02-E // Guaranteed Cash Flow
Immediate & Longevity Pensions (SPIA / DIA)
Single Premium Immediate Annuities (SPIA) and Deferred Income Annuities (DIA / QLAC). Transform liquid capital into an irreversible, contractual monthly income stream.
SPIA: Immediate Income
Deposit a single lump sum and begin receiving guaranteed monthly paychecks within 30 to 365 days. Eliminates market risk and sequences of returns risk in immediate retirement.
- ■ Single Life or Joint-and-Survivor Payouts
- ■ Favorable Tax Exclusion Ratio for Non-Qualified Funds
DIA & QLAC: Longevity Insurance
Purchase guaranteed cash flow deferred to age 75, 80, or 85. Qualified Longevity Annuity Contracts (QLACs) allow you to allocate qualified IRA funds to defer Required Minimum Distributions (RMDs).
- ■ Solves the Late-Life Longevity Risk Equation
- ■ RMD Mitigation Strategy under Federal QLAC Limits
Calculate Lifetime Payout Rates
Model monthly contractual payouts based on your age and principal deposit.