An IRA with Guaranteed§ Growth

                                 A possible solution for 72t "early IRA withdrawals"  

                                                        Got a Question?

§ NOTE: All Guarantees are based on the financial strength and claims paying abilities of the 

company chosen for your annuity. That is why I only offer the finest. Feel free to contact me 

for more information and the name of the company referred to in this article. 

Have you LOST money in your IRA during the last year or more?  Are you tired of losing? 

Would you like some Guaranteed§ growth for a change? Are you considering a 72t? (for early 

withdrawals prior to age 59 ˝ from an IRA, without paying the added 10% IRS penalty) Then read on....

Recently, I've received numerous requests on how to set-up a 72t for "early withdrawals from an 

IRA prior to age 59 1/2" but some people are reluctant to use a variable annuity, for a variety of 

reasons. Therefore, I'm going to show you a way to set-up a 72t income stream for an IRA with 

Guaranteed§ growth, using a FIXED RATE ANNUITY!

As you may have read before, I believe, the whole idea is, to end up with as close as possible, to 

what we started with in the beginning- or more! Right? I've spent months searching for just the right 

investment that will do exactly that.

It's PREDICTABLE, it's NON-Cancelable to the IRA owner, and the growth rate is Guaranteed§ 

and so is your PRINCIPAL.

Here's how it works: In this example I will use a 54 year old, with $1,000,000 in their 401k or 

other types of retirement accounts that could be used for an income stream over the next 6 years to 

get to age 59 1/2 or 60. The end of the 72t time-period.

For Illustration purposes only: (NOTE- rates change constantly, so check for current rates)

Let's say he takes $700,000 and puts it into a Guaranteed§ Fixed rate annuity using, for example, a 

6 year contract at a Guaranteed§ rate of 5.60% for the 6 years. (Some companies offer either: 5, 6, 7,

8, 9 or 10 year contracts to easily fit it to a specific person's needs. Rates vary for each length of 

contract. Ask for current rates on other contract lengths.)

Then, we set it up a 72t "equally substantial pay-out", in this case it would provide an income stream 

of $54,423.88 [$4,535.32/mo] using the Annuitization pay-out option, at the SAME RATE the annuity 

is earning 5.60%. The SAME RATE of growth, as the withdrawal rate, is the KEY to it working properly.

Now your money is GROWING at the same rate as it is being WITHDRAWN and at the end 

of the 6 years, he should end up with exactly (or REALLY close to) the same as he started with! He 

has enjoyed the income stream totaling $326,543.28 over the 6 years and still has the original amount 

he started with, the original $700,000!

What about the other $300,000? Simple. He puts it into a SECOND (identical) annuity, except with 

NO 72t withdrawals. It grows at the same Guaranteed§ rate of 5.60% over the next 6 years and 

the annuity will have a Guaranteed§ cash value of $416,011.00!

This type of investment plan might work well for some to create a regular and predictable 72t income stream. 

When the 72t ends at age 59 1/2 or 5 years, (whichever time is longer- in other scenarios) the IRA owner 

can take his money and move it elsewhere or simply leave his money there and take out a new contract, 

if he wishes! It's his choice! This is the proverbial "have your cake and eat it too" scenario!

Of course these types of annuities can also be used for ANY kind of money as well, it doesn't have to be 

JUST IRA money!   Got a Question?      What are YOUR concerns?     

Using 

"Split-Annuities" 

to provide an income you can't outlive. 

Guaranteed for LIFE!

GO HERE

§ NOTE: All Guarantees are based on the financial strength and claims paying abilities of the 

company chosen for your annuity. Feel free to contact me for more information and the name

of the company referred to in this article.  Got a Question?

NOTE: annuities are NOT used for their tax-deferred growth when combined with an IRA. 

There are many other reasons (as described here) for using an annuity, since an IRA already 

offers tax-deferred growth without the use of an annuity.

If you'd like more details on what a 72t really is and how it works, GO HERE

If you’d like information on using a Variable annuity for 72t withdrawals GO HERE

For people approaching age 70 1/2 that are required to take RMD- Required Minimum Distributions,

this same Guaranteed§ Fixed annuity might work well for you as well GO HERE to see.  

                                                                             Got a Question?

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