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      <image:title>Insights - What Does a 35% Annuity Bonus Really Mean? - Make it stand out</image:title>
      <image:caption>$100,000 annuity example comparing accumulation value and income value after a hypothetical 35% bonus.</image:caption>
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      <image:caption>Coffee and cream analogy: once mixed, they can't be separated. Just like pre-tax and after-tax IRA dollars under the Pro-Rata Rule.</image:caption>
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      <image:title>Insights - The Pro-Rata Rule Explained: Why Your Backdoor Roth May Still Be Taxable - Make it stand out</image:title>
      <image:caption>Illustration showing that 401(k) assets are generally outside IRA aggregation, while pre-tax assets rolled into a Rollover IRA become part of the IRA balances considered under the Pro-Rata Rule.</image:caption>
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      <image:title>Insights - The Pro-Rata Rule Explained: Why Your Backdoor Roth May Still Be Taxable - Make it stand out</image:title>
      <image:caption>Comparison of Backdoor Roth IRA and Mega Backdoor Roth strategies, including account type, contributions, income limits, Pro-Rata Rule considerations, and availability.</image:caption>
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