{"id":2201,"date":"2026-09-17T04:05:56","date_gmt":"2026-09-17T04:05:56","guid":{"rendered":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/?page_id=2201"},"modified":"2026-09-23T11:25:44","modified_gmt":"2026-09-23T11:25:44","slug":"minimizing-rmds","status":"publish","type":"page","link":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/minimizing-rmds\/","title":{"rendered":"Minimizing Required Minimum Distributions (RMDs)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2201\" class=\"elementor elementor-2201\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20043b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"20043b4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6d5fa93\" data-id=\"6d5fa93\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4685039 elementor-widget elementor-widget-text-editor\" data-id=\"4685039\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5>Reducing your RMDs<\/h5><p>You might want to consider a qualified longevity annuity contract (QLAC) which is a type of annuity that allows you to get more value out of your<br \/>retirement savings by continuing <strong>to delay owing taxes.<\/strong><\/p><h5>What is a QLAC?<\/h5><p>A <strong>Qualified Longevity Annuity Contract (QLAC)<\/strong> is a type of deferred income annuity funded with pre-tax dollars from qualified retirement accounts such as a traditional IRA, 401(k) and 403(b). Unlike immediate annuities, QLACs <strong>defer payouts<\/strong> to a future date, typically between your mid-70s and age 85. The \u201cqualified\u201d designation allows the premium to be <strong>excluded from RMD calculations<\/strong>,<br \/>lowering taxable withdrawals in the early years of retirement<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3d32743\" data-id=\"3d32743\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-760d0ec elementor-widget elementor-widget-image\" data-id=\"760d0ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-content\/uploads\/2026\/09\/sds.png\" class=\"attachment-large size-large wp-image-2233\" alt=\"\" srcset=\"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-content\/uploads\/2026\/09\/sds.png 600w, https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-content\/uploads\/2026\/09\/sds-300x200.png 300w, https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-content\/uploads\/2026\/09\/sds-80x53.png 80w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f1a4143 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f1a4143\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e5afdcd\" data-id=\"e5afdcd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d245e97 elementor-widget elementor-widget-text-editor\" data-id=\"d245e97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5>How QLACs Work<\/h5><ol><li><strong>Funding:<\/strong> You transfer funds from a qualified retirement account to purchase the QLAC, up to the IRS limit of <strong>$210,000 per person or $420,000 per couple.<\/strong><\/li><li><strong>Deferral Period:<\/strong> The money grows tax-deferred inside the contract until payouts begin.<\/li><li><strong>Payouts:<\/strong> Once payments start, you receive <strong>guaranteed monthly or periodic income for life.<\/strong><\/li><li><strong>RMD Treatment:<\/strong> The QLAC premium is removed from the account balance used to calculate RMDs, reducing early retirement<br \/>taxable income. Payments are taxed as ordinary income when received.<br \/>The retirement funds you use to purchase a QLAC do not count toward your required minimum distributions and in using them to purchase a QLAC, you\u2019ll be able to defer taking distributions from those funds until age 85 (vs. 73).<\/li><li><strong><u>Taxes<\/u>&#8211;<\/strong> QLACs are purchased with pre-tax dollars that you\u2019ve put into retirement savings, so once you withdraw money from the QLAC, you\u2019ll need to pay income taxes on it. However, a QLAC can be an efficient tax planning strategy to help you lower your tax burden on your retirement savings.<\/li><li><strong><u>Death Benefit<\/u> &#8211;<\/strong> QLACs typically have the option to either receive no death benefit or receive a return of premium, which means your beneficiaries would get back the amount you contributed to the QLAC less any distributions.<\/li><\/ol><p class=\"closing\"><strong>Talk to us to see if a QLAC is right for you<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Reducing your RMDs You might want to consider a qualified longevity annuity contract (QLAC) which is a type of annuity that allows you to get more value out of yourretirement savings by continuing to delay owing taxes. What is a QLAC? A Qualified Longevity Annuity Contract (QLAC) is a type of deferred income annuity funded [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template\/blank-page-sidebar.php","meta":{"footnotes":""},"class_list":["post-2201","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-json\/wp\/v2\/pages\/2201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-json\/wp\/v2\/comments?post=2201"}],"version-history":[{"count":35,"href":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-json\/wp\/v2\/pages\/2201\/revisions"}],"predecessor-version":[{"id":2382,"href":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-json\/wp\/v2\/pages\/2201\/revisions\/2382"}],"wp:attachment":[{"href":"https:\/\/demo.experditer.co\/clayton-biltmore.com\/site\/wp-json\/wp\/v2\/media?parent=2201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}