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

Fixed Annuity: How a Guaranteed-Rate Annuity Works and What It Really Costs

Attorney Fee Structured Settlement: How Lawyers Defer Contingent Fees

403(b) Plan: How the Teacher and Nonprofit Retirement Account Works

Charitable Gift Annuity: How the Part-Gift, Part-Income Arrangement Works

Structured Settlement Rated Age: Why a Shorter Life Expectancy Raises Your Payments

SIMPLE IRA: How the Small-Employer Retirement Plan Actually Works

Qualified vs Non-Qualified Annuity: How the Tax Treatment Differs

Structured Settlement Partial Sale: Selling Some Payments, Not All

457(b) Plan Explained: The Retirement Account With No Early-Withdrawal Penalty

Annuitization: How Turning an Annuity Into Lifetime Income Works

Structured Settlement Discount Rate: The Number That Sets Your Offer

HSA for Retirement: Using a Health Account as a Stealth Retirement Fund

Deferred Income Annuity: How a DIA Turns Savings Into Later Income

Structured Settlement Examples: How Payment Schedules Are Designed

Roth IRA 5-Year Rule: The Two Clocks You Have to Track

Annuity vs Pension: How the Two Retirement Incomes Really Differ

Buying a Structured Settlement: How the Purchase Side Actually Works

Substantially Equal Periodic Payments: Using 72(t) to Tap Retirement Money Early

Annuity Exclusion Ratio: How Your Annuity Income Is Taxed

Non-Qualified Structured Settlement: How It Works and When It Is Used

Net Unrealized Appreciation: The 401(k) Company Stock Tax Break

Annuity 1035 Exchange: How to Swap an Annuity Without a Tax Bill

Workers' Comp Structured Settlement: How It Works and the Medicare Trap

Mega Backdoor Roth: How High Earners Move Extra Money Into a Roth

Annuity Income Rider: How a Guaranteed Lifetime Withdrawal Benefit Works

Structured Settlement Beneficiary: What Happens to Payments After Death

The Rule of 55: Penalty-Free 401(k) Withdrawals Before 59½

Joint and Survivor Annuity: How It Protects a Surviving Spouse

Structured Settlement Annuity Rates: How They Are Set and What Moves Them

Inherited IRA Rules: The 10-Year Rule, RMDs, and Spouse Options

Annuity vs 401(k): How They Differ and Why Most People Use Both

Structured Settlement Protection Act: The Law That Governs Selling Payments

Spousal IRA: How a Non-Working Spouse Can Still Save for Retirement

Single Premium Immediate Annuity: How a SPIA Turns a Lump Sum Into Income

Structured Settlements for Minors: How a Child's Injury Award Is Protected

Qualified Charitable Distribution: How a QCD Gives From Your IRA Tax-Free

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