Qualified Longevity Annuity Contracts (QLACs) were introduced in 2014. That year, and every year since, we’ve run a mathematical analysis to see how they impact the success of a retirement portfolio. This year’s results remain just as staggering. In every portfolio – at every age – at every life expectancy – a QLAC increased the probability of success. 

In addition to explaining our study and the results, this paper explains: 

• The changing demographics in the United States, and how they affect retirement planning
• Why traditional withdrawal strategies are no longer viable
• Why QLACs should be considered for more than just delaying required minimum distributions

If, after reading this paper, you have any questions about our study or the use of QLACs in retirement planning, contact your Ash Brokerage Retirement team. 

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