IRA into Annuity?

[Golfnut2112]

My mother has an IRA she can start drawing out of in a few months but will be subject to income tax. Is there any possible way to transfer it to some kind of immediate annuity without being taxed?

Does she have a current tax problem? Also reading your post it seems like she will be turning 59 1/2 if so, she can delay withdrawing the money but if she wants or needs the money she has to pay the tax.

 

[Charpress]

The main advantage for Mom to have her IRA in an annuity has nothing to do with taxes.

Mom should consider an annuity because it will convert her IRA from something that will likely go broke at some point through RMDs that will outpace most income available these days to an IRA that will pay her guaranteed income for her life.

Is that not something to put into the "should I do this or not" equation?