In this completely unfiltered video, Shawn from The Annuity Expert breaks down exactly how a Roth IRA annuity works. Think of the Roth IRA as a tax wrapper and the annuity as the financial engine inside that wrapper. Because funding is made with after-tax dollars, qualified withdrawals—including lifetime income payouts—are 100% tax-free once you meet the standard IRS requirements (holding the account for at least five years and reaching age 59½).

Shawn details the different types of annuities available inside a Roth IRA, including Multi-Year Guaranteed Annuities (MYGAs) for fixed CD-like returns and Fixed Index Annuities (FIAs) for stock market-linked growth with zero downside risk. He also explains how adding a Guaranteed Lifetime Withdrawal Benefit (GLWB) rider generates a tax-free paycheck for life for you and your spouse. Additionally,  ...