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Qualified vs. Nonqualified Annuities Explained: Taxes, RMDs & When Each Fits

In this video, we break down the core differences. Qualified annuities are funded with pre-tax retirement dollars (IRA/401(k)), grow tax-deferred, and distributions are fully taxable as ordinary income—with IRS early-withdrawal penalties before 59½ and Required Minimum Distributions at age 73 or 75. Nonqualified annuities are funded with after-tax dollars, grow tax-deferred, and only the earnings are taxable when withdrawn (LIFO rules); they generally have no IRS RMDs.

This video is for savers and pre-retirees deciding where to place new money or how to roll over existing balances for the best tax outcome and income plan.

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