Lauren Minches

Lauren Minches

Financial Planning Professional

Lauren is an actuary by training with expertise in retirement, finance, and risk. She writes about annuities to make them easier to understand and evaluate. Her goal is to help people create retirements with more time for living and less time thinking about money.

QLACs

QLAC Limit Remains at $130,000 in 2019

The IRS QLAC limit for how much of your 401(k) or IRA you can convert into a Qualified Longevity Annuity Contract remains at $130,000 for 2019.

QLACs

How Does a QLAC Defer Required Minimum Distributions (RMDs)?

By transferring money out of your Traditional IRA and into a QLAC, you reduce the Traditional IRA balance subject to RMDs, deferring them until the QLAC income starts.

Inside Blueprint Income

Q&A with Retirement Income Expert Nimish Shukla, CFA

I sat down with Nimish Shukla, CFA, retirement income expert and co-founder of Blueprint Income, to get learn about Blueprint Income's approach to helping clients with their retirement income.

Inside Blueprint Income

Q&A with Annuity Expert Matt Carey

I sat down with Matt Carey, annuity expert and CEO of Blueprint Income, to get his thoughts on the annuity market and hear what he and his team at Blueprint Income are doing to improve our retirements.

The Personal Pension

Personal Pension Case Study: Ryan

Ryan, age 35, bought a Personal Pension for a guarantee to balance his riskier 401(k) investments.

Retirement Income

Tips When Buying a Fixed Annuity

The answers to the most important questions for when buying a fixed annuity.

Retirement Income

Should You Buy a Fixed Annuity?

A fixed annuity provides a safe, tax-advantaged way to earn a good return on savings needed in the near future, similar to a CD. We’ve created this quick checklist so you can know if a fixed annuity is a good fit for you.

Retirement Income

The Pros and Cons of a Fixed Annuity

Fixed annuities have several financial benefits to help make retirement planning simpler, but also have some drawbacks. Find out what a fixed annuity has to offer before you purchase.

Retirement Income

Customizing Your Fixed Annuity

There are many features you can add to your fixed annuity so it best fits your needs. We’ve broken down the options you can select to customize your fixed annuity.

Annuity Basics

Optimizing a Retirement Portfolio Using Annuities

If one's goal is to avoid running out of money in retirement while leaving the largest possible legacy behind at death, then income annuities play a crucial role. In Blueprint Income's recent white paper, we demonstrate that portfolios made up of just stocks and annuities produce the best outcomes.