3 Smart Retirement Moves the Wealthy Use (LIRP, Fixed Index Annuities & Roth Strategy) скачать в хорошем качестве

3 Smart Retirement Moves the Wealthy Use (LIRP, Fixed Index Annuities & Roth Strategy)

Are 401(k)s enough for retirement anymore? In this episode of Premiere Retirement with Jeff, Jeff Vogan breaks down four “out-of-the-box” retirement strategies that many wealthy families use to reduce taxes, manage volatility, and create a reliable income that doesn’t depend entirely on the stock market. If you're approaching retirement or already retired, this episode covers: ✔ Fixed index annuities for guaranteed income ✔ Roth conversion timing and tax bracket strategy ✔ LIRPs (Life Insurance Retirement Plans) explained ✔ How HSAs can act as a stealth IRA ✔ Inherited IRA and annuity tax strategies ✔ Diversifying concentrated stock positions ✔ Private equity and passive income alternatives Many investors assume what got them to retirement will get them through retirement. But volatility, required minimum distributions, IRMAA surcharges, and rising tax risk can quietly erode a great plan. This episode focuses on building retirement income that is: • Predictable • Tax-efficient • Diversified beyond traditional 401(k) strategies • Designed to last If you want help building a personalized retirement income and tax strategy, request your Premiere Retirement Roadmap. 📞 Call: 520-780-9059 🌐 Visit: https://premret.com No cost. No obligation. Just clarity. Topics Covered in This Episode 00:00 Retirement income planning overview 01:36 Why 401(k)s may not be enough in retirement 03:00 Sequence of returns risk explained 03:58 Fixed index annuities vs variable annuities 05:40 Diversifying beyond your 401(k) 06:07 In-service withdrawals at age 59½ 08:49 Guaranteed income strategies 10:06 Roth conversion timing and tax planning 12:01 What is a LIRP? 13:07 Reducing Social Security and Medicare taxation 14:00 Passive real estate and private credit investing 18:10 HSA retirement strategy 23:45 Inherited annuity tax options 28:34 Inherited IRA 10-year rule strategy 31:55 Managing concentrated stock risk 36:50 Deep dive into LIRPs 45:05 How to get your Premiere Retirement Roadmap Who This Episode Is For • Pre-retirees age 55–70 • Retirees worried about taxes • Investors with $500k+ in retirement savings • Those with large IRAs or 401(k)s • Anyone inheriting retirement accounts • High-income households that are concerned about future tax rates • Calculate your portfolio risk score (free): https://pro.riskalyze.com/embed/f523d... • Estimate your potential retirement tax bill: https://retirementtaxbill.com?u=Sy94R...