Are Required Minimum Distributions (RMDs) going to wreck your retirement tax plan? In this episode of the I Love Annuities Podcast, hosts Jeremiah Konger and Zachary Van Es – The Annuity Dudes – break down how annuities and Qualified Longevity Annuity Contracts (QLACs) can help you take control of your retirement income.With the SECURE 2.0 Act raising RMD ages to 73 (and 75 in 2033), many retirees face the “RMD tax trap.” These forced withdrawals can push you into higher tax brackets, increase your Medicare premiums (IRMAA), and make more of your Social Security taxable. But there are smarter ways to plan ahead.We’ll cover:✅ What RMDs are and why they matter✅ How QLACs can shrink your RMDs by up to $200,000✅ Using annuities for tax planning and guaranteed income✅ QLAC + Roth conversion strategies✅ Case studies showing real tax savings and longevity protection✅ The risks, limitations, and how to evaluate if a QLAC is right for youIf you want clarity, confidence, and peace of mind in retirement, this episode is for you.⏱ Timestamps0:00 – Intro: RMDs and the tax trap3:15 – What are Required Minimum Distributions (RMDs)?8:40 – How annuities fit into RMD planning14:10 – QLACs explained: rules, limits, and benefits22:20 – Tax-smart retirement strategies with QLACs29:30 – Case study: Dave & Linda’s $1.2M IRA35:45 – Risks and considerations of QLACs40:00 – Wrap-up: Key takeaways + CTARequest Free Annuity Report: https://annuityassociation.com/podcast-annuity-reportSchedule Free Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcast