Ioannis Kyprianou

ACCA-qualified accountant

Ioannis Kyprianou is an ACCA-qualified accountant who writes the annuities, structured settlements, and retirement guides on Annuity Compass.

His focus is translating the parts of personal finance that are usually buried in product disclosures and tax rules into plain English: how annuity payouts are actually calculated, what a structured settlement is really worth before fees, and how retirement accounts are taxed when you draw on them.

Every guide is researched from primary sources — regulator and government material, product disclosures, and published rate filings. Figures are presented as clearly-labelled illustrative examples rather than guarantees, because rates and tax rules change. None of it is personal financial advice; it is education to help you ask better questions before you talk to a licensed professional.

Guides by Ioannis

How Are Annuities Taxed? A Plain-English Guide to the Rules

Structured Settlement Payout Options: How the Payment Stream Is Designed

Backdoor Roth IRA: How the Strategy Works and Where It Goes Wrong

Annuity Death Benefit: How It Pays Out and How Beneficiaries Are Taxed

Selling Annuity Payments: How the Process Works and What It Costs

Is Social Security Taxed After Age 70? Why Age Doesn't Change the Answer

Annuity vs CD: How the Two Safe-Money Options Really Compare

Structured Settlement Court Approval: How the Process Actually Works

How Much Do I Need to Retire? A Practical Way to Size the Number

What Is a MYGA? How Multi-Year Guaranteed Annuities Work

What Does a Structured Settlement Broker Do?

Required Minimum Distribution Age: When RMDs Start and Why It Matters

QLAC Explained: How a Qualified Longevity Annuity Contract Works

Structured Settlement vs Lump Sum: How to Weigh the Two

The 4 Percent Rule for Retirement: What It Is and Its Limits

Variable Annuity Explained: How It Works, Fees, and Risks

Are Structured Settlements Taxable? What the IRS Rules Say

Retirement Tax Strategies: Practical Ways to Keep More Income

Annuity Rates: How They Work and What Moves Them

Structured Settlement Loan: Why It Usually Isn't a Loan at All

Roth Conversion: How It Works and When It Makes Sense

What Is an Annuity? A Plain-English Guide to How They Work

How Much Does an Annuity Pay? Payouts Explained with Examples

How Much Does a $100,000 Annuity Pay Per Month?

Best Annuity Rates: How to Compare and What Drives Them

Fixed Index Annuity Rates: Caps, Participation Rates & Spreads

Immediate vs Deferred Annuity: Which Fits Your Timeline?

Annuity Fees and Surrender Charges: What You Actually Pay

Gainbridge Annuity Review: How the Direct-to-Consumer MYGA Works

What Is a Structured Settlement? How the Payments Work

Selling Your Structured Settlement: Process, Pros, and Pitfalls

How Much Is My Structured Settlement Worth?

Structured Settlement Annuity: How It Differs From a Regular Annuity

How to Compare Structured Settlement Companies Without Getting Burned

401(k) Rollover Guide: Options, Steps, and Tax Traps

Tax-Advantaged Retirement Accounts Explained

Retirement Tax Planning: Keep More of Your Income

Best Self-Employed Retirement Plans: SEP IRA vs Solo 401(k) and More

Best Retirement Plans: How to Choose the Right One

Retirement Income Planning: Turning Savings Into a Paycheck

How to Create Retirement Income From Your Savings