Veteran-owned independent brokerage • Florida statewide • Phone and video appointments
🇺🇸 Veteran-Owned & Operated
RMD options · 401(k) & IRA holders

When the market drops,
your RMD doesn’t wait.

Falling investments. Required withdrawals. Selling more shares at lower prices can make the hit last longer.

Review fixed-annuity withdrawal options and whether a partial allocation of eligible retirement funds fits your needs.

Explore My RMD Options

Send your inquiry first. Choose a call time afterward if you want; scheduling is optional.

Watch: retirement money and market timing

This annuity background video discusses market timing and protected savings. It does not calculate your RMD, change withdrawal requirements or provide tax advice. Review RMD rules and contract access separately with your custodian and qualified tax professional.

FIA: Protecting Retirement Money From Bad Timing

Explore your RMD options

Name, phone and email first. Selecting a call time afterward is optional.

  • Your withdrawal timing and account rules
  • Fixed-annuity access terms and costs
  • Partial eligible allocations and liquidity

Step 1: submit your name, phone and email to request a review. After the inquiry, choosing an appointment date and time is optional. No transfer or product decision is required.

A review with Jared & Erin

Give your withdrawals a plan.

If RMDs apply to you, the goal is to review a withdrawal source alongside the money you keep invested and accessible.

Review the withdrawal source

Explore whether a fixed annuity could provide a planned withdrawal source for part of your eligible retirement assets, alongside other investments.

Consider a partial allocation

You may not need to move the whole account. Review plan eligibility, product minimums and how much needs to stay liquid.

Compare the access terms

Review permitted withdrawals, surrender charges and any market-value adjustment. Withdrawals reduce contract value and may draw down principal.

Explore My RMD Options
First Freedom Life veteran-owned logo

Your Florida retirement-income team

Meet Jared & Erin

First Freedom Life helps households in Florida review annuity withdrawal options, costs and access restrictions with clear, personal guidance.

Jared Aversano, Retirement Income Specialist at First Freedom Life
Jared AversanoRetirement Income Specialist · NPN 19759681 · U.S. Air Force veteran
Erin Bovee, Retirement Income Specialist at First Freedom Life
Erin BoveeRetirement Income Specialist · NPN 20292695

First Freedom Life is a veteran-owned independent insurance brokerage serving Florida households by phone, video, at our South Florida office, and through local in-home appointments when appropriate.

What we’ll review together

Your accounts and timing

Which accounts require withdrawals, what is due and when, and which funds may be eligible for a rollover or transfer.

Your withdrawal needs

The amount you need, contract access provisions and the reserves you want available outside an annuity.

Your options and tradeoffs

Compare keeping your current approach with a partial eligible allocation, including costs, restrictions and suitability.

Useful details before you act

Does an annuity eliminate RMDs?

No. RMD requirements still apply. The review concerns a possible withdrawal source, not avoiding the required amount.

Can this year’s required distribution be rolled over?

No. The current-year RMD is not rollover-eligible. Coordinate that distribution with your custodian or plan administrator before considering an eligible rollover of other funds.

Can one account cover all my RMDs?

Not automatically. RMDs for your own traditional IRAs can generally be combined and withdrawn from one or more of those IRAs. A 401(k) RMD generally must be satisfied from its own plan. Confirm your exact account rules.

What should I check in the annuity contract?

Check withdrawal limits, RMD provisions, surrender periods, charges, market-value adjustments and any rider costs. An RMD requirement does not automatically remove contract charges. Withdrawals reduce contract value and can use principal.

Fixed annuities are long-term insurance contracts. Guarantees depend on the issuing insurer’s claims-paying ability; they are not FDIC insured or bank guaranteed. Taxes and contract restrictions apply. Confirm account rules and tax treatment with your plan or custodian and qualified tax professional. First Freedom Life does not provide tax, legal or investment advice.

Sources: IRS RMD FAQs; IRS rollover guidance; Investor.gov annuity guidance.

Explore My RMD Options

Veteran-owned. Independent. More options.

NationwideNorth AmericanAbilityAllianz LifeAmerican Century LifeAmerican EquityAmerican GulfAmerican LifeAmerican NationalAmericoAmeritasAspidaAtheneAtlantic Coast LifeAuguStarAxonicBaltimore LifeBrighthouse FinancialCL LifeCapitol LifeClear SpringCorebridge FinancialDelaware LifeELCO MutualEagle LifeEquiTrustEquitableF&GFarmers LifeGBU Financial LifeGlobal AtlanticGuaranty Income LifeGuardianHeartland NationalISDA LifeIbexisIntegrity LifeJacksonLiberty Bankers LifeLife of the SouthwestLincoln FinancialMassMutualMassMutual AscendMidland NationalMinnesota LifeMutual of OmahaNassauNational Western LifeNew York LifeOceanview LifeOneAmerica FinancialOxford LifePenn MutualPrincipalProtectiveReliance StandardRevol OneRiverSourceSBLISILACSagicorSecurian LifeSecurity BenefitSentinel Security LifeSymetraTalcott FinancialThe StandardThriventTransamericaTruStageUnited LifeWestern Catholic UnionWichita NationalNational Life GroupGerber Life

Life insurance and annuity comparison options. Looking for a company you don’t see? Ask us. Availability varies by state, product and eligibility.