IRA Question Concerning Annuities W/ Income Riders

Say a client has either a VA or IA within their IRA. Their annuity also has a income rider which they've already started (and can't stop) and are taking distributions from. If the client decides they don't actually need to spend this money, I know the money has to come out of the annuity contract, but does it have to come out of the IRA at this point too? Or, can the client simply take the lifetime withdrawal amount from the annuity contract and put it into another financial product (stocks, bonds, cash, etc.) and still keep it in the IRA? Maybe the client could use this money to do a Roth
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