IUL.Solutions

BIG NEWS IN THE 401(k) WORLD 📰

Fidelity Investments — the second-largest provider of target-date retirement funds in the country — just announced it's building guaranteed lifetime income directly into its Freedom funds.

Starting in 2027, workers will be able to convert a portion of their 401(k) savings into an annuity backed by Nationwide and New York Life — turning savings into a paycheck they can't outlive.

Why this matters: it's confirmation of something we talk about with clients every day. A 401(k) balance is not a retirement plan. It's a number on a screen until it's converted into reliable income.

A few things to know before you assume this solves the problem for you:

🔸 The income isn't inflation-adjusted
🔸 Only a portion of your balance qualifies — up to 25% at most, and only if it's all in this one fund

If you want a retirement income strategy that covers more ground than a single fund feature can, that's exactly what we help build — using guaranteed income tools tailored to your full financial picture, not just what's sitting in one account.

Full breakdown here: https://iul.solutions/blog/fidelity-401k-guaranteed-income-target-date-funds/

Questions about how this could apply to your situation? Reach out — we're happy to walk through it.

📞 615-610-9945
🌐 iul.solutions

Ever heard of the "Hockey Puck" agent?

They bounce you around, show you best-case illustrations, and collect the commission. What they don't show you is the mid-point illustration, the real fees, or what happens if you underfund the policy.

Here's what to watch for — and what good IUL design actually looks like.
Read it here → https://iul.solutions/blog/avoid-iul-pitfalls-hockey-puck-agent/

Comment INCOME to get the conversation started.

"I want safe income in retirement… but I don't want a tax mess later."
I hear this all the time. And honestly — it's the right concern.
There's a strategy called PIRC that addresses it directly. Structured annuity income designed to be tax-free — coordinated with your CPA.
Plain English explanation here →

Tax-Free Retirement Income Without a Roth IRA — PIRC Strategy | IUL.Solutions Most retirees assume taxes will go down in retirement. Many are surprised to find they pay more than expected. Here's how PIRC — coordinated with your CPA — can help structure tax-free retirement income through a properly designed annuity.

"I want safe income in retirement… but I don't want a tax mess later."

I hear this all the time. And honestly — it's the right concern.
There's a strategy called PIRC that addresses it directly. Mini Roth conversions inside an annuity. Tax-free income without the Roth eligibility limits.
For a plain English explanation: https://iul.solutions/blog/smarter-tax-free-retirement-income-pirc/