{"id":21,"date":"2026-10-07T15:00:00","date_gmt":"2026-10-07T15:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/elitexfinancial-com\/2026\/10\/07\/401k-bill-could-create-lifetime-income-building-legacies-that-last\/"},"modified":"2026-10-07T15:00:00","modified_gmt":"2026-10-07T15:00:00","slug":"401k-bill-could-create-lifetime-income-building-legacies-that-last","status":"publish","type":"post","link":"https:\/\/www.elitexfinancial.com\/blog\/2026\/10\/07\/401k-bill-could-create-lifetime-income-building-legacies-that-last\/","title":{"rendered":"401(K) Bill Could Create Lifetime Income | Building Legacies that last."},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/elis-rosado\/bill-401k-income-remotion-videos-dce4\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>We\u2019re always watching for legislative changes that could impact your retirement savings, and a recent 401(k) bill proposal caught our attention. The idea: allow workers age 50 and older to move a portion of their 401(k) balances into an annuity\u2014while still working and still receiving employer matches. Unlike typical early withdrawals, this would create a specific annuity exception for those over 50 (tied to the federal catch-up age), aiming to give more flexibility as you approach retirement. The bill also addressed the need for clearer rollover notices, after audits revealed many workers were confused about their options.<\/p>\n<p>There\u2019s clear interest in lifetime income options like annuities, but we always remind clients that these products come with important considerations: fees, reduced liquidity, insurer risk, and potential limits on inheritance. That\u2019s why a thoughtful, personalized review is key before making any changes. As of now, the proposal hasn\u2019t changed the rules\u2014but it\u2019s a development we\u2019re following closely, because every potential shift in legislation can affect your long-term plans. At Elitex Financial Solutions, we believe that staying informed and weighing every option carefully helps our clients make confident decisions for their future.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019re always watching for legislative changes that could impact your retirement savings, and a recent 401(k) bill proposal caught our attention. The idea: allow workers age 50 and older to move a portion of their 401(k) balances into an annuity\u2014while still working and still receiving employer matches. Unlike typical early withdrawals, this would create a [&hellip;]<\/p>\n","protected":false},"author":120,"featured_media":22,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-21","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/posts\/21","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/users\/120"}],"replies":[{"embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/comments?post=21"}],"version-history":[{"count":0,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/posts\/21\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/media\/22"}],"wp:attachment":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/media?parent=21"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/categories?post=21"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/tags?post=21"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}