About this episode

Marty Becker discusses a strategy for converting traditional IRAs to Roth IRAs tax-free using deferred income annuities.

What if you could convert your traditional IRA to a Roth without feeling the tax pain? In episode 99 of the Atlas Annuity Podcast, Marty Becker reveals a little-known strategy that uses deferred income annuities to make Roth conversions virtually painless—and could save you over $110,000 in lifetime taxes. Most retirees wait until they're forced to take distributions from their IRAs, which means paying taxes when the government decides—often at higher rates. But there's a smarter way. Marty walks through a real-world example of a 60-year-old couple who funds a deferred income annuity with $500,000 from their traditional IRA, creating $80,000 per year in guaranteed lifetime income starting at age 70. Here's where it gets interesting: during the 10-year deferral period, they systematically convert $50,000 per year to a Roth IRA using internal partial withdrawals from the annuity. The result? They pay just $110,000 in taxes over 10 years at a controlled 22% bracket. If they had waited and let the IRS force distributions, they would've paid over $220,000 in taxes—literally double. Marty breaks down the math, explains how internal partial withdrawals work, and shows why the years…

People in this episode

Host: Marty Becker

Topics covered

• Roth conversions
• tax strategies
• deferred income annuities
• retirement planning
• tax savings

Keywords

• annuity
• tax-free
• Roth conversion
• traditional IRA
• lifetime income
• tax bracket
• partial withdrawals

Mentioned in this episode

Places: IRA, Roth IRA, 401(k)

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