Vanguard and TIAA’s new target-date annuity revives in-plan lifetime income. Only 8.9% of plans offer it, 59% of sponsors want it. Here is the 2026 math.
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The 2026 QLAC limit is $210,000. How carving it out of an IRA defers RMDs past 85, lowers MAGI, and protects the senior deduction and Medicare premiums.
Bill Bengen now puts the historical safe withdrawal rate at 4.7%, with most retirees able to take 5.25-5.5%. Inside the 2026 retirement planning rewrite.