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QLAC: IRA Retirement Income Planning - Webinar

  • ID: 4515258
  • Webinar
  • April 2018
  • Region: Global
  • 90 Minutes
  • Lorman Business Center, Inc.
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Gain an understanding of QLAC while improving opportunities for portfolio sustainability for your clients.

Learn how QLACs can be purchased with IRA, 401(k), 403(b) and governmental 457(b) plan funds. You can mix retirement plans as long as you follow the QLAC rules. You can invest no more than the lessor of 25 of your retirement funds or 130,000 in QLACs. The 130,000 overall limit is fairly straightforward. Simply put, no matter how much money you have in retirement accounts, you cannot use more than 130,000 of those funds, in total, to purchase a QLAC. The 25 limitation is more complicated. The 25 limit is applied to each employer plan separately, but in aggregate to IRAs. The QLAC can help improve cash flow income and sustainable portfolio outcomes.

Learning Objectives
  • You will be able to define the QLAC.
  • You will be able to identify improved opportunities for Portfolio Sustainability.
  • You will be able to recognize when to implement as part of total portfolio product allocation.
  • You will be able to review portfolio diversification and tax advantages with your clients.
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  • The QLAC: Qualifying Longevity Annuity Contract: Ensuring Sustainable Retirement Outcomes
  • Treasury Regulation Overview and IRS Rules
  • Product Benefits; Contribution Rules and Limitations; Tax Reporting,
  • Interaction With IRA RMD's; Cash Flow Start Date(s); Post Death Distribution Options
  • Benefit of Product When Integrated Into Comprehensive Retirement Income Plan
  • Retirement Income Skillset and Retirement Risks
  • Longevity Risk
  • Market Risk
  • Sequence of Return Risk
  • Health Care and Long Term Care Risk
  • Withdrawal Rate Risk
  • Behavioral Bias Risk
  • Implication of the IRA RMD Payout Trend Line on Portfolio Sustainability
  • The Role of Mortality Credits
  • 4% Rule SWIP; RMD Default and Partial Annuitization
  • Mitigating Asset Depletion and "Framing" Outcome: Cash Flow Consumption vs. Rate of Return
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John Mulligan - Mulligan Capital, Inc.
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This webinar is designed for investment brokers, financial planners, stock brokers, estate planners, attorneys, presidents, vice presidents, accountants and other financial executives.
Note: Product cover images may vary from those shown
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