Annuity Rollover Options
Rolling funds from a workplace plan or IRA into an annuity can turn savings into reliable retirement income while keeping taxes deferred. Whether you are retiring, changing jobs, or consolidating accounts, our advisors compare options and guide the paperwork so every step is straightforward.
An annuity rollover moves qualified money from a 401(k), 403(b), 457, TSP, or IRA into an annuity without triggering current taxes when handled correctly. The goal is simple: protect principal, grow value under contract terms, and create a path to future income that fits your timeline.
Rollover Methods & How We Can Help
The cleanest route is a direct rollover or trustee-to-trustee transfer. We prepare forms, confirm payee instructions, and monitor transfers so assets move correctly. If a 60-day rollover is being considered, we review timelines and risks and suggest a safer alternative when possible.
Eligible Sources & Common Paths
- Employer plans to IRA annuity: Direct rollover from a 401(k), 403(b), 457, or TSP into a traditional IRA annuity or Roth IRA annuity, depending on the source.
- IRA to IRA annuity: Trustee-to-trustee transfer from an existing IRA to a new annuity within the same tax status.
- Roth funds: Roth 401(k) dollars typically roll to a Roth IRA annuity, preserving Roth tax treatment.
We verify eligibility, coordinate with providers, and track basis where applicable.
Choosing The Right Annuity For The Rollover
We model how each choice affects growth, liquidity, and income, then align the selection with Social Security, pensions, and other accounts.
Multi-Year Guaranteed Annuities (MYGAs)
Guaranteed rate for a set term with simple tracking.
Traditional Fixed Annuities
Rate declared each year with a contract minimum.
Fixed Index Annuities (FIAs)
Principal protection with index-linked interest by contract rules.
Deferred Income Annuities
Turn a portion into guaranteed payments now or later.
Liquidity, Costs, & Taxes
Annuities typically include surrender schedules and withdrawal rules. Many allow limited annual withdrawals without penalty.
Earnings are taxed as ordinary income when withdrawn, and distributions before the applicable age may face a federal penalty. We explain surrender terms, market value adjustments, and any rider charges before you commit.
Compare Your Annuity Rollover Options
Request a short consultation. We will review your accounts, confirm rollover eligibility, compare carriers and terms, and design a clear path to income that fits your life.