Annuities
Turn Lump Sums into Guaranteed Lifetime Income
| Type | Risk/Return | Best For |
|---|---|---|
| Fixed | Guaranteed rate (3–5%) | Conservative income |
| Indexed | 0% floor, 8–12% cap on S&P gains | Growth + protection |
| Variable | Market upside/downside | Aggressive investors |
Key riders & strategies
Withdraw 5–7% for life even if account hits $0.
Move crypto gains tax-free into an annuity.
Defer RMDs until age 85; reduces taxable income in high-earning years.
Crypto-specific uses
Sell 20% of holdings at $100K BTC/XRP → fund QLAC → lock in lifestyle income.
Fund CRUT with appreciated Digital Assets; get income + huge deduction.
Joint-life payouts ensure surviving partner never runs out.
