{"id":53,"date":"2026-09-23T14:00:00","date_gmt":"2026-09-23T14:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/neashaminsuranceagency-com\/2026\/09\/23\/qlac-income-can-wait-until-age-85\/"},"modified":"2026-09-23T14:00:00","modified_gmt":"2026-09-23T14:00:00","slug":"qlac-income-can-wait-until-age-85","status":"publish","type":"post","link":"https:\/\/www.neashaminsuranceagency.com\/blog\/2026\/09\/23\/qlac-income-can-wait-until-age-85\/","title":{"rendered":"QLAC Income Can Wait Until Age 85"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/glenn-neasham\/qlac-rmd-tax-remotion-videos-5568\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>For those exploring ways to manage retirement distributions, here\u2019s a QLAC strategy that might fit the bill. If a 72-year-old moves $210K into a Qualified Longevity Annuity Contract (QLAC) before year-end, next year\u2019s required minimum distribution (RMD) drops by about $7,900, potentially lowering federal taxes by $1,700. That\u2019s because the funds in a QLAC aren\u2019t counted in the IRA balance for next year\u2019s RMD calculation.<\/p>\n<p>This approach is best suited to retirees who have surplus IRA assets, other liquid savings, and a family history of longevity\u2014especially if a lower RMD helps in managing Medicare premium thresholds. Of course, there are tradeoffs: once the money is in a QLAC, it\u2019s generally locked up until income begins (which can be deferred as late as age 85), and future payouts are taxable income.<\/p>\n<p>Current long-term yields may make deferred income options more attractive than in the past, so it\u2019s worth comparing lifetime payout guarantees, death benefit features, and income start dates. With over 30 years at Neasham Insurance Agency, I make it a point to help clients weigh these options carefully to align with their broader retirement goals.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>For those exploring ways to manage retirement distributions, here\u2019s a QLAC strategy that might fit the bill. If a 72-year-old moves $210K into a Qualified Longevity Annuity Contract (QLAC) before year-end, next year\u2019s required minimum distribution (RMD) drops by about $7,900, potentially lowering federal taxes by $1,700. That\u2019s because the funds in a QLAC aren\u2019t [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":113,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-53","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/53","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/comments?post=53"}],"version-history":[{"count":0,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/53\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media\/113"}],"wp:attachment":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=53"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=53"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=53"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}