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February 8, 2026 12:03 pm
My wife and I each have non-qualified variable annuity accounts which we plan not to annuitize. We plan to take distributions from these accounts on an as needed basis. I initially included these accounts in our Tax Deferred retirement accounts. However, I later realized that doing this triggers Pralana online to create RMDs starting at 73. Unlike qualified accounts, non-qualified accounts are not subject to RMDs by the IRS. What is the best way to include these non-qualified accounts in Pralana and not subject them to RMDs? I looked at using the Annuities feature of Pralana, but it looks like that only works if you annuitize the annuities.