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This Video Will Erase $100K+ In RMD Taxes In 24 Minutes

KCIIS Retirement Advisors

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Here are KCIIS we take the holistic approach to retirement,

And that includes your RMD strategy.

You've probably heard the usual solutions:
• Roth conversions.
• Spending down.
• Charitable giving.
• QLACs (Qualified Longevity Annuity Contract)

Most retirees try at least one of these.
The problem?
These solutions barely make a dent.

And the more you've saved, the worse it gets, resulting in:
• Higher tax brackets.
• More Social Security taxes.
• Medicare surcharges.

So most retirees just give up
and pay thousands in RMD taxes for the rest of their lives.
But it doesn't have to go that way.

In our new video, we break down:
• How quickly the RMD tax bomb spirals out of control
• Why most RMD strategies fail
• TWO strategies that ACTUALLY lower your RMDs, not by a few thousand, but by $100,000 or more

Enjoy the Video!

Thanks,
Kai, Ann, & Gracie 🐶

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Your Retirement Advisors (21+ Years)
Kai & Ann Chung & Gracie (Our Retirement Puppy)
KCIIS (KC Independent Insurance Solutions, LLC)

🔴 Please subscribe if you're interested in these topics
#rmds
#rothconversions
#retirementplanning
#hybridpension
#annuities
#guaranteedincome

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📖 CHAPTERS
00:00 The Biggest IRA Mistake
01:57 The RMD Tax Bomb
05:21 Most Do Roth Conversions WRONG
09:46 The Supercharged RMD & Roth Strategy
14:27 The Roth Conversion Breakeven Point
18:45 The Spenddown Strategy That Works

20 Comments

@kciis Creator 5 days ago Pinned

Did these examples shock you? Did your advisor ever show you this side of the math?

@MSMS-h9m 17 hours ago

have money to pay taxes is a lot better than no money

@jenchin8242 4 days ago

What a great topic this week!

@Mojo702 3 days ago (edited)

Only if you have outside money to cover the conversion taxes.

Read the fine print, guys

@nhango4073 4 days ago

good discussion topic. thanks:face-red-heart-shape:

@alalfred3474 4 days ago

Not sure I want to get into an annuity program by insurance companies. I may as well self insured.

@mathenmathews 4 days ago

How do you pay the taxes converting from the traditional IRA into a Roth Hybrid Pension?

@kariolson2306 1 day ago

Touch on inherited IRA's. Parents bequeath to beneficiaries IRA's how do your suggestions work in favor of beneficiaries?

@spcx37 2 days ago

What??? The window isn't big enough????!!! I've been contributing and converting since I was 40

@guardianking9209 4 days ago

The key is lifetime. You have not address the case where the person die 5 years after. Do you lose all the balance?

@stevemurzyn9711 2 days ago

What are the fees involved in moving to this ?

@ey2149 2 days ago

It looks like this is still a strategy of decent amount conversion starting early (say 60) from traditional 401k to Roth. Per my understanding, no matter you convert to Roth IRA or this Roth-friendly IRA hybrid pension, the tax you pay at times of conversion is still the same; converting a huge sum at once probably land you on a high tax bracket with high effective tax rate as well. So my question is, what exactly is the advantage of this hybrid pension as compared to Roth IRA which a person can manage without paying any fees? Is it the annuity lifetime income factor?

@dougdenyer344 4 days ago (edited)

Just bought a hybrid pension from you. Is Midland National one of the Roth conversion friendly companies? If i convert it all now, is the basis just the premium i invested or is it higher than that because of the rider's actuarial value?

@garyfrompa1740 4 days ago

What about people that only have $400k in a 401k instead of the million plus accounts?

@mjones9088 3 days ago

You didn’t account for spending from retirement to age 75. We are trying to spend down our IRA and delay SS until FRA

@MSMS-h9m 17 hours ago

give me $8 mi, I don't mind paying taxes

@howthepho 2 days ago

why don't you just call it a fixed annuity with an income rider? and no mention of fees? and you asking people who spent a lifetime building their nest egg to give up the control and flexibility that said nest egg would provider?