#Annuity

2개의 글

April 21, 2026

Annuity Buyout & Lump-Sum Cash-Out 2026: Surrender Charges, 1035 Exchange, and Secondary Market Explained

Cashing out an annuity triggers surrender charges, ordinary income tax, and possibly a 10% IRS penalty — all at once. Here's how to sequence your exit to minimize the damage in 2026.

Annuity Lump Sum Retirement

April 21, 2026

Selling a Structured Settlement in 2026 — IRC §5891, Court Approval, and What You Actually Receive

The 40% excise tax under IRC §5891 is the legal mechanism that forces court approval on every structured settlement transfer — and the court exists to protect you, not slow you down. This post explains discount rates, state SSPAs, partial sales, and the red flags that end a conversation.

Structured Settlement Lump Sum Factoring