1.Kiplingers-The average IRA balance by age/Adam Shell/2025 https://www.kiplinger.com/retirement/iras/the-average-ira-balance-by-age

2.NCH Stats, Carter Anderson, 4/14/25 https://urldefense.com/v3/__https://www.google.com/search?q=how*many*americans*die*every*day&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari__;KysrKys!!BeEutw6RKg!BVTRimbogT3pzO4pvF5I7s0cXuOhUsHLZXc14FzG4XmqP-2znvMCX6EoVQ2r5exKL-yW3SN6959ZBNhnblwLPYLprHk$

3.A Fixed Indexed Annuity (FIA) is usually a fixed annuity whose interest is determined, at least in part, by the performance of a specified index of the market. Unlike traditional fixed annuities, the policy owner may receive zero interest for a single period on a specific premium payment if the index performs poorly. However, with most designs, the premiums are protected and guaranteed to grow over time, and the owner of a fixed indexed annuity may experience better interest crediting than a traditional fixed annuity during periods when the market performs well. Indexed annuities do not directly participate in any stock or equity investments. An investment cannot be made directly into an index. Most FIAs permit owners to participate in only a stated percentage of an increase in an index, and also impose a "cap rate" that represents the maximum annual account value percentage increase allowed to contract owners. Because they are meant for long-term accumulation, most annuities have surrender charges that are assessed during the early years of the contract if the contract owner surrenders the annuity. In addition, withdrawals prior to age 59 1/2 may be subject to a 10% Federal Tax Penalty. The guarantees of annuity contracts are contingent on the claims-paying ability of the issuing insurance company. All withdrawals made from annuities with pre-tax contributions are taxed as ordinary income. All withdrawals from an annuity purchased with non-qualified monies are taxable as ordinary income only to the extent there is a gain in the policy.

Non-Spousal Inherited IRAs