Approaching Retirement and Considering Using IRA for Other Opportunities

What Early Options are Available?

Early Options

Peter & Debra Quincey55 Male 55 Female

$500,000 IRA @ 8%

120% Federal Midterm Rate is 1.4%

Early Options

Peter & Debra Quincey55 Male 55 Female

$500,000 IRA @ 8%

120% Federal Midterm Rate is 1.4%

• Begin distributions early (to use for a planning opportunity)

• Avoid any early distribution penalty

Early Options

Peter & Debra Quincey55 Male 55 Female

$500,000 IRA @ 8%

120% Federal Midterm Rate is 1.4%

• Begin distributions early (to use for a planning opportunity)

• Avoid any early distribution penalty

QPDA - Early Distributions

Early Options

Peter & Debra Quincey55 Male 55 Female

$500,000 IRA @ 8%

120% Federal Midterm Rate is 1.4%

• Begin distributions early (to use for a planning opportunity)

• Avoid any early distribution penalty

QPDA - Early Distributions

Early Options

Peter & Debra Quincey55 Male 55 Female

$500,000 IRA @ 8%

120% Federal Midterm Rate is 1.4%

• Begin distributions early (to use for a planning opportunity)

• Avoid any early distribution penalty

QPDA - Early Distributions

Early Options

Peter & Debra Quincey55 Male 55 Female

$500,000 IRA @ 8%

120% Federal Midterm Rate is 1.4%

• Begin distributions early (to use for a planning opportunity)

• Avoid any early distribution penalty

QPDA - Early Distributions

Early Options

Peter & Debra Quincey55 Male 55 Female

$500,000 IRA @ 8%

120% Federal Midterm Rate is 1.4%

• Begin distributions early (to use for a planning opportunity)

• Avoid any early distribution penalty

QPDA - Early Distributions

Early Options

Peter & Debra Quincey55 Male 55 Female

$500,000 IRA @ 8%

120% Federal Midterm Rate is 1.4%

• Begin distributions early (to use for a planning opportunity)

• Avoid any early distribution penalty

QPDA - Early Distributions

Highest annual level 20,253

Reserves the most for later 19,992

Lowest initial/Highest later: 15,957 now, 3X that in 15 years

Many options -- all easy to determine

Early Options

Peter & Debra Quincey55 Male 55 Female

$500,000 IRA @ 8%

120% Federal Midterm Rate is 1.4%

• Begin distributions early (to use for a planning opportunity)

• Avoid any early distribution penalty

QPDA - Early Distributions

Highest annual level 20,253

Reserves the most for later 19,992

Lowest initial/Highest later: 15,957 now, 3X that in 15 years

Many options -- all easy to determine

Early Options

You show many options available to provide a source of funds for other opportunities -- opportunities like needed life insurance.