The Required Minimum Distribution (RMD) Rescue Plan: How To Optimize Your Retirement With Index Annuities

Discover the keys to making your RMDs more efficient and safe with this proven strategy...

With the passing years, an increasing number of baby boomers are finding themselves faced with Required Minimum Distributions (RMDs), an aspect of retirement planning that can greatly impact their financial well-being.

I created this video because no one seems to be talking about strategically taking RMDs, and I've got several clear cases where where I tackle the main RMD challenges, such as...

  • The Underrated Importance: Even though RMDs can significantly affect the financial stability of retirees, not many financial advisors are highlighting the importance of strategic RMD planning. This is a topic that demands attention, especially considering the growing number of retirees each year.
  • The Inevitability of RMDs: If you hold accounts like 401Ks or traditional IRAs, you're obliged to start making withdrawals once you reach the age of 73, and these withdrawals will be taxed as regular income. The percentage that you need to withdraw increases as you get older.
  • The Market Risk: If your retirement accounts are invested in the market, you're still required to make these withdrawals even in a down market. This could mean that you're pulling money out when your account value has dropped, adding insult to injury.

This strategy is a practical, independent, and no b.s. approach to taking your RMDs for retirement. I recommend anyone who's dealing with their required minimum distributions watch this video.

Marty Becker
President Atlas Financial Strategies

Ethics certified

What Exactly Is The Atlas RMD Rescue Plan?

The Atlas RMD Rescue Plan is our unique strategy designed to address the challenges of Required Minimum Distributions (RMDs) head-on. This approach aims to provide you with a more efficient way to manage your RMDs while minimizing the potential impact of market volatility.

In the comprehensive video above, I'll introduce you to the various aspects of the Atlas RMD Rescue Plan:

  • The power of a fixed index annuity: We explore the potential of a fixed index annuity, a financial tool that can provide consistent growth and income while offering protection against market downturns.
  • The efficiency of RMD withdrawals: This strategy seeks to enhance the efficiency of your RMD withdrawals, thus potentially preserving your wealth for a longer duration, and giving you access to a much higher amount of withdrawals.
  • The importance of an income rider: I explain the concept of an income rider and how it can be used to secure a steady income stream, even if your account value depletes.

Watch the video above to discover how the Atlas RMD Rescue Plan could potentially transform your approach to managing RMDs, and if you'd like to see how this strategy will look in your situation, schedule your free personalized RMD Strategy call.

Understanding RMDs & Fixed Index Annuities

Understanding the intricacies of RMDs and the concept of Fixed Index Annuities can open up new avenues for your retirement planning. Let's delve deeper into these topics to equip you with the necessary knowledge for making informed decisions.

Required Minimum Distributions (RMDs)

RMDs refer to the minimum amount you must withdraw from your tax-deferred retirement accounts annually, starting from the age of 72. The IRS mandates these distributions, ensuring that taxes are paid on the amounts that have enjoyed years of tax-deferred growth.

RMDs are calculated based on your account balance from the previous year and your age. As you grow older, the percentage of your balance that you're required to withdraw increases.

Pros of Strategic RMDs

  • Provides a steady income stream during retirement.
  • Allows the government to collect the least amount of taxes on previously untaxed income.

Cons of Poorly Managed RMDs

  • Unplanned RMDs can push you into a higher tax bracket.
  • Withdrawals during market downturns can reduce your retirement savings significantly.

Fixed Index Annuities (FIAs)

A Fixed Index Annuity is a type of annuity that earns interest based on the performance of a specific market index, like the S&P 500. However, it also provides protection against market downturns.

Pros of Fixed Index Annuities

  • Protects your principal from market losses.
  • Provides potential for higher returns linked to market performance.
  • Can be structured to provide a consistent income stream.

Cons of Fixed Index Annuities

  • Returns are typically capped, meaning you may not fully benefit from a booming market.
  • Lack of liquidity – early withdrawals could face penalties.

In the video above, we explore these concepts further and introduce the Atlas RMD Rescue Plan that combines the strengths of RMDs and Fixed Index Annuities. Watch to gain a deeper understanding and learn how to navigate the financial challenges of retirement efficiently.

From there, if you'd like to see how this strategy could apply to your unique situation, be sure to schedule your free personalized RMD Strategy call.

A Real-Life Example of the Atlas RMD Rescue Plan

To help you better understand the value and potential benefits of the Atlas RMD Rescue Plan, let's delve into a real-life case study of a 71-year-old couple.

Meet Our Couple
This couple had done well at saving for retirement and had no debt. With income from pensions, social security, and other investments, they didn't need additional income from RMDs. However, they were tired of the market's volatility and sought a solution to preserve their hard-earned money and pass it on to their children.

Their Challenges
Two key challenges confronted this couple:

  1. Market Volatility: They were tired of losing money in the market's ups and downs and desired a more stable financial strategy.
  2. Future Uncertainty: With the husband being the primary income earner, they were concerned about the significant income drop that the wife would face upon his passing.

The Solution
The Atlas RMD Rescue Plan introduced the couple to the benefits of a Fixed Index Annuity with an income rider.

Despite their initial hesitations - after all, they didn't feel they needed the income - they were surprised to learn that the income from an annuity still counts as an RMD, even if the account value goes to zero. This strategy offered a way to mitigate RMDs that would otherwise be taken from another account, protecting them during potential market downturns.

The Atlas RMD Rescue Plan offered them a strategy to potentially:

  • Lower their exposure to market volatility
  • Provide the wife with a guaranteed income after the husband's passing
  • Efficiently meet RMD requirements
  • Ultimately, leave more money for their children

The video  above details their journey and provides a deeper understanding of how the Atlas RMD Rescue Plan could work for couples in similar situations. Make sure to watch it's entirety and if you'd like a customized plan for your own situation, schedule a call with me today.

Scenario Analysis - Evaluating Different Financial Strategies

In this section, we dive into the numbers, presenting four different financial scenarios and comparing their outcomes. The goal here is to highlight the potential of the Atlas RMD Rescue Plan and demonstrate how it compares to other strategies.

Scenario 1: Managed Portfolio with RMDs
The first scenario looks at taking RMDs from a managed portfolio that the couple already owns. As our case study couple discovered, losses during down market years can significantly impact the portfolio's value over time. As a result, they could end up with a relatively small amount left for their heirs.

Scenario 2: Fixed Index Annuity for Growth
The second scenario involves investing the entire IRA in a Fixed Index Annuity designed specifically for growth. With no potential for losses and stable growth, this strategy could yield significantly more in withdrawals and leave a sizeable amount for the next generation.

Scenario 3: Combination of Managed Portfolio, Fixed Index Annuity, and Income Annuity
The third scenario explores a diversified strategy. Here, the couple splits their IRA across a managed portfolio, a Fixed Index Annuity, and an Income Annuity. This combination allows them to use guaranteed income from the annuity towards their RMD, mitigating the need to pull from other accounts and preserving their wealth.

Scenario 4: Split between Income Annuity and Fixed Index Annuity
The final scenario splits the IRA equally between an Income Annuity and a Fixed Index Annuity. Offering both guaranteed income and potential for growth, this strategy demonstrates the real power of the Atlas RMD Rescue Plan, showing the highest total withdrawals and remaining balance.

Watch the video for a detailed breakdown of these scenarios. Remember, everyone's situation is unique, and the best solution for you will depend on your specific circumstances. To find out if the Atlas RMD Rescue Plan is the right fit for you, schedule a consultation today.

Take Control of Your Financial Future - Learn More about the Atlas RMD Rescue Plan

The Atlas RMD Rescue Plan offers an innovative way to manage your Required Minimum Distributions (RMDs). With the right strategy, you can protect your retirement savings from market volatility, maximize your total withdrawals, and ensure a substantial legacy for your loved ones.

Are you tired of worrying about the impact of RMDs and market losses on your nest egg? Are you seeking a way to pass on more of your hard-earned wealth to your family? Then, the Atlas RMD Rescue Plan might just be the financial solution you've been searching for.

We invite you to watch our comprehensive 13-minute video. This in-depth presentation will give you a complete understanding of the Atlas RMD Rescue Plan. You'll see how we've applied it in a real-life case study and how it compares to other financial strategies in various scenarios.

Remember, knowledge is power. The more you understand about RMDs and the potential of fixed index annuities, the better decisions you can make for your financial future. So, take the time to invest in your financial education today.

Ready to explore if the Atlas RMD Rescue Plan could be the right fit for your unique situation? Don't hesitate to reach out.

Schedule a consultation at your convenience. I'm here to help you navigate your financial journey and secure the retirement you deserve.

Let's revolutionize your approach to RMDs together.


Jared M.

My Edward Jones advisor wanted to keep me in mutual funds and constantly told me not to get an index annuity. I started doing research and found Marty's guide then spoke with him. He always makes time for me and his information is sound and simple to understand.

George P.

I was concerned about making sure I have an income during retirement that I wasn't going to end up overpaying for and running out of money due to fees. Marty gave me the numbers up front, and showed me how to use the index annuity to my advantage and protect my money. I'll never go anywhere else.