Idaho
Convert IRA to Roth annuity for tax-free growth. Speak with a specialist. No obligation.
Pay taxes once, grow tax-free forever. Get a personalized Roth conversion analysis.
1,573 Idaho residents executed Roth conversions with annuities this year
Roth annuities grow tax-free. Withdrawals in retirement are 100% tax-free after 5-year aging.
Roth IRAs have no required minimum distributions. Money grows tax-free as long as you live.
Beneficiaries receive Roth annuities tax-free (unlike Traditional IRAs which are fully taxable).
Guaranteed growth in a tax-free environment
Convert to Roth, then use fixed annuity for guaranteed 5-6%+ growth. Unlike Roth IRAs in stocks, principal is protected while growing tax-free.
If in lower tax bracket now (early retirement, low income year), convert Traditional IRA to Roth annuity. Pay taxes now at low rate, grow tax-free forever.
After 5-year aging, Roth annuity income is 100% tax-free. No taxes on withdrawals, no RMDs forcing taxable distributions.
Roth assets pass tax-free to heirs (Traditional IRAs are fully taxable to heirs). Maximize inheritance with Roth annuity conversions.
Converting $250K Traditional IRA to Roth Annuity (6% guaranteed)
| Scenario | Taxes Paid | 10-Year Value | Tax Status |
|---|---|---|---|
| Traditional IRA (No Conversion) | $0 now | $447,712 | Fully taxable + RMDs |
| Roth Conversion to Annuity | $62,500 now (25%) | $447,712 | 100% tax-free |
| To Heirs (Traditional) | $0 now | $447,712 | Heirs pay all taxes |
| To Heirs (Roth) | $62,500 now | $447,712 | Heirs pay $0 |
Pay taxes once now, enjoy tax-free growth and income forever