Abel, we are building a "Mirrored" financial system for your $800,000. This plan provides a massive monthly "paycheck" today while systematically moving your wealth into a Tax-Free Roth environment to protect you from the IRS later in life.
Pillar 1: Protection
Fixed Indexed Annuity shields your principal from market crashes while capturing growth potential
Pillar 2: Guaranteed Income
Monthly SPIA Payout creates a reliable cash flow stream for your retirement lifestyle
Pillar 3: Tax-Free Growth
Mirrored Roth Conversion systematically moves wealth away from IRS reach
The Income Engine
How We Triple Your Monthly Cash Flow
We utilize the 10% Free Withdrawal feature of your FIA to fund a 12-month income stream. This turns your 401(k) into a private pension that supplements your Social Security.
$2,400
Current Social Security
Your existing monthly benefit
$6,666
SPIA Payout
$80k divided over 12 months
$9,066
Total Monthly Income
Your combined household cash flow
$9,066
Combined Monthly Household Income
Strategy Note: Each year, we pull the 10% maximum allowed. This amount will fluctuate slightly as your account value grows from interest or adjusts from withdrawals, but it ensures you are always maximizing your spendable cash.
The "Self-Refilling" Reservoir
Growth vs. Distribution
A common concern is "spending down the principal." However, because your FIA is linked to market indices (like the S&P 500) without the risk of loss, the account works to refill the 10% we take out.
Withdraw
We take 10% out for your income
Protect
Your remaining principal is 100% protected from market crashes
Refill
The account earns interest (historically 5-10%) on the remaining balance to offset the withdrawal
This continuous cycle ensures your wealth works for you while maintaining protection and growth potential throughout your retirement years.
10-Year Strategic Roadmap
Income, Growth, and Roth Mirroring
This table illustrates the journey. We are taking $6,000 - $9,000 every single month, while simultaneously moving $30k per year into a Roth IRA to "defuse the tax bomb."
Massive Monthly Cash Flow
You enjoyed substantial income to live your retirement dreams
$410,000 Tax-Free
Moved into a Roth that the IRS can never touch
~$350k Protected
Still available for legacy or emergencies
Defusing the Tax Bomb
Why the "Mirror" Roth is Vital
By the time you reach age 75, the government requires you to take money out (RMDs).
Without This Plan
Your 401(k) could grow so large that your RMDs force you into a 32% or higher tax bracket, eating your Social Security.
Massive taxable distributions required
Higher tax brackets triggered
Social Security benefits taxed
Medicare premiums increased
With This Plan
We "empty" the taxable bucket while taxes are "on sale" now. By age 73, the majority of your wealth is in the Roth, where RMDs do not exist.
Tax-free withdrawals forever
No required distributions
Protected Social Security
Lower Medicare costs
The "Finish Line" – Your Portfolio in 10 Years
The Ultimate Wealth Fortress
Abel, let's look at the "Exit View." After 10 years of taking a massive monthly paycheck and systematically moving money into the Roth, here is what your landscape looks like:
The Residual FIA ($350k+)
Even after 10 years of "feeding" your income and your Roth, the FIA still holds significant value. This is your Emergency Reservoir. It is still 100% protected from market losses and continues to grow.
The Fully Built Roth ($410k+)
This is now your primary wealth vehicle. Every dollar in here is 100% Tax-Free for you and your heirs.
The Tax-Free Income Stream
You can now stop the conversions and simply pull from the Roth. If you need $5,000 for a trip, you take $5,000. No "Tax Withholding," no surprise 1099s at the end of the year.
This final "layer" is what converts a good financial plan into a wealth fortress. By year 10, Abel has achieved the "Retirement Trifecta": he has spent a significant amount of money, he has completely eliminated his future tax bill, and he still has a massive pile of protected capital left over.
Why You "Won" the Game
Three Benefits the 401(k) Could Never Provide
1
Medicare Premium Protection (No IRMAA)
Because your Roth withdrawals don't count as "income," your Social Security stays in a lower tax bracket and you avoid the "Medicare Surcharges" (IRMAA) that punish other retirees who have large taxable RMDs.
2
The "Heir-Tight" Legacy
If you pass this Roth to your children, they inherit it 100% Tax-Free. If you had left them the original 401(k), the IRS would have taken nearly 30-40% of it the moment they tried to spend it.
3
Total Control over RMDs
The government cannot force you to take money out of your Roth. You decide when you spend your money—not the IRS.
Traditional Retirement
High Taxes on Every Withdrawal
Market Risk Exposure
RMD Stress and Forced Distributions
Medicare Surcharges (IRMAA)
Taxable Legacy for Heirs
Abel's New Reality
Tax-Free Withdrawals Forever
100% Principal Protection
Total Control - No RMDs
Lower Medicare Premiums
Tax-Free Inheritance
Our Action Plan for Monday the 12th
We have three critical items to review and confirm to ensure your plan launches smoothly and delivers the maximum benefit.
01
Step 1: Confirm the 10% "Free Withdrawal" start date
So we can trigger the first $6,666 monthly payment.
02
Step 2: Review your 2024 tax return
To lock in the exact Roth Conversion amount for Year 1.
03
Step 3: Finalize the 401(k) rollover paperwork
To move the funds into the "Green Room" (FIA Protection).
These steps will ensure your Triple Play Strategy is optimized for maximum monthly income, tax efficiency, and long-term wealth protection.
Your Financial Freedom Awaits
Schedule Your Review
Monday the 12th is your opportunity to lock in this powerful strategy and begin your journey to financial independence
Bring Your Documents
Have your latest tax return and 401(k) statements ready for our comprehensive analysis
Ask Questions
This is your financial future - we'll address every concern and ensure you're completely confident
"The best time to plant a tree was 20 years ago. The second best time is now. Your Triple Play Strategy starts with one decision."