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What is a direct transfer?

A direct transfer is a method of moving qualified funds from one trustee to another without triggering a taxable event. Transfers often occur between two financial institutions but they can also be between contracts or accounts at the same institution. To qualify as a transfer:

  • It must be between “like kind” plans (e.g. Traditional IRA to Traditional IRA, TSA (Tax Shelter Annuity) to TSA
  • There must be no constructive receipt of the funds. In other words, the check must be payable and directed to the receiving financial institution as trustee

What is a direct rollover?

A direct rollover is a method of rolling certain distributions from a qualified retirement plan or TSA to another kind of qualified retirement plan (e.g. TSA to a Traditional IRA, 401(k) to a Traditional IRA). To qualify as a direct rollover:

  • The funds distributed must be an “eligible rollover distribution” which can generally be described as a distribution received upon a qualifying event such as retirement, termination of employment, attainment of age 59½, or disability. Regulations specify certain items that are not considered eligible rollover distributions (e.g. required minimum distributions)
  • The receiving qualified retirement plan must allow rollovers from other parties
  • The funds must be transferred directly from one financial institution to another for your client’s benefit. In other words, the check must be payable and sent to the receiving financial institution as trustee

What is a 1035 exchange?

A 1035 exchange is the exchange of an insurance contract for another that meets all the requirements of Section 1035 of the Internal Revenue Code (IRC 1035). When a contract is exchanged under IRC 1035, the gain or loss of the exchanged contract is transferred to the new contract. Requirements for non-taxable treatment include:

  • The owner and the insured/annuitant on both contracts must be identical
  • The contract being exchanged must be in force. If the contract is maturing, the 1035 exchange must be signed prior to the maturity date

What does it mean to annuitize?

To annuitize is to convert the accumulated value of an annuity into a stream of income. The payments may be a fixed amount for a fixed period of time or for a lifetime.

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Advisor, Catholic Financial Life
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Advisor, Catholic Financial Life
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What is a direct rollover?

A direct rollover is a method of rolling certain distributions from a qualified retirement plan or TSA to another kind of qualified retirement plan (e.g. TSA to a Traditional IRA, 401(k) to a Traditional IRA). To qualify as a direct rollover:

  • The funds distributed must be an “eligible rollover distribution” which can generally be described as a distribution received upon a qualifying event such as retirement, termination of employment, attainment of age 59½, or disability. Regulations specify certain items that are not considered eligible rollover distributions (e.g. required minimum distributions)
  • The receiving qualified retirement plan must allow rollovers from other parties
  • The funds must be transferred directly from one financial institution to another for your client’s benefit. In other words, the check must be payable and sent to the receiving financial institution as trustee

What is a direct transfer?

A direct transfer is a method of moving qualified funds from one trustee to another without triggering a taxable event. Transfers often occur between two financial institutions but they can also be between contracts or accounts at the same institution. To qualify as a transfer:

  • It must be between “like kind” plans (e.g. Traditional IRA to Traditional IRA, TSA (Tax Shelter Annuity) to TSA
  • There must be no constructive receipt of the funds. In other words, the check must be payable and directed to the receiving financial institution as trustee

What is a 1035 exchange?

A 1035 exchange is the exchange of an insurance contract for another that meets all the requirements of Section 1035 of the Internal Revenue Code (IRC 1035). When a contract is exchanged under IRC 1035, the gain or loss of the exchanged contract is transferred to the new contract. Requirements for non-taxable treatment include:

  • The owner and the insured/annuitant on both contracts must be identical
  • The contract being exchanged must be in force. If the contract is maturing, the 1035 exchange must be signed prior to the maturity date

What does it mean to annuitize?

To annuitize is to convert the accumulated value of an annuity into a stream of income. The payments may be a fixed amount for a fixed period of time or for a lifetime.

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Always exceptional

Always super prompt. Always helpful. Always exceptionally speedy answering my questions and lending me any support I need.

Tim Carlson Financial Advisor
Timothy M. Carlson
Financial Advisor, WESTconsin Investment Advisors
The most amazing people!

These are the most amazing people to work with! They mean the world to me. They each go above and beyond to help me be successful and help my clients attain their financial goals.

Debra Hill
Advisor, Catholic Financial Life
Always exceptional

Always super prompt. Always helpful. Always exceptionally speedy answering my questions and lending me any support I need.

Tim Carlson Financial Advisor
Timothy M. Carlson
Financial Advisor, WESTconsin Investment Advisors
The most amazing people!

These are the most amazing people to work with! They mean the world to me. They each go above and beyond to help me be successful and help my clients attain their financial goals.

Debra Hill
Advisor, Catholic Financial Life
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The most amazing people!

These are the most amazing people to work with! They mean the world to me. They each go above and beyond to help me be successful and help my clients attain their financial goals.

Debra Hill
Advisor, Catholic Financial Life
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