See how a 3-10 year period-certain payout from your IRA can fund a private paycheck now, delay Social Security to 70, and shrink the RMD tax bomb at 73, all at once.
Send your email and I'll send a plain-English read on what you're holding now, what it guarantees, and whether something safer pays more. If you're already in the right thing, I'll say so.
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Schedule a Discovery Call → 213-414-2808 Hans Goldstein · NPN 20602398 · CA #4273294The SPIA income is fully taxable in the bridge years. On a traditional IRA every dollar comes out as ordinary income. It works because those years are before Social Security + RMDs, so bracket space is available. If your bridge years are already high-bracket (rental income, large gains, spouse's earnings), the plan loses its edge.
A Treasury or brokered-CD ladder funds the same bridge for a bit more yield, with full liquidity. The SPIA earns its place through the lock (a raid-proof paycheck the client can't tinker with), not through a tax trick. If you're disciplined or working with an ongoing advisor, the ladder is the better product for the pure income math.
A period-certain SPIA is irrevocable. Once it starts paying, the money is committed. No commutation, no do-overs. That's the trade-off you're paying for the discipline.
Hans will pull live A-rated carrier SPIA quotes and email you a written side-by-side vs a Treasury ladder using YOUR exact numbers from this calculator. Free. No card, no obligation.
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Hans Goldstein · Retirement & income planning
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Hans Goldstein is an Enrolled Agent, admitted to practice before the Internal Revenue Service. Not affiliated with or endorsed by the IRS. General education, not tax or legal advice for your situation.