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.
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Schedule a Discovery Call → 📞 213-414-2808 Hans Goldstein · NPN 20602398 · CA #4322192The 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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