New Hampshire
Roll 401(k) or IRA to an annuity tax-free. A specialist guides the entire process.
Avoid costly rollover mistakes. Get expert help with your tax-free transfer. Free.
4,281 retirees rolled over 401(k)s and IRAs to annuities tax-free this year
401(k)s and IRAs can run out. Annuities provide lifetime income you can't outlive - pension-like security.
Direct rollovers and 1035 exchanges move funds without taxes or IRS penalties. Keep tax-deferred status.
Protect retirement savings from market crashes. Fixed and indexed annuities guarantee principal safety.
How to move retirement funds to annuities without taxes or penalties
Leaving your employer? Roll 401(k) directly to an annuity IRA. No taxes, no penalties. Creates guaranteed income stream for retirement. Better than leaving it in old 401(k) with limited investment options. Must do DIRECT rollover (custodian to custodian) to avoid 20% withholding.
Move existing IRA funds to an annuity. Keeps IRA status and tax deferral. Good for retirees wanting guaranteed income instead of market risk. Can transfer partial amounts - doesn't have to be all or nothing. No age restrictions (unlike employer plans).
Switch from one annuity to another tax-free under IRS Section 1035. Common reasons: lower fees, better features, higher rates, need different product type. Receiving company often covers surrender charges from old annuity. Maintains tax-deferred status on all gains.
Take pension lump sum and roll to annuity for potentially higher lifetime income. Compare pension monthly payment to annuity payout - annuities often pay 10-30% more. Add spousal continuation and inflation protection. Must do direct rollover to avoid taxes.
Understanding your tax-free rollover choices
| Rollover Type | From Account | To Account | Tax Impact |
|---|---|---|---|
| 401(k) Rollover | 401(k) | Annuity IRA | No tax (direct) |
| IRA Transfer | Traditional IRA | Annuity IRA | No tax |
| 1035 Exchange | Existing Annuity | New Annuity | No tax |
| Pension Rollover | Pension Lump Sum | Annuity IRA | No tax (direct) |
Get expert guidance on tax-free rollovers and transfers