Our Most Recent Show
Social Security, Rule of 55, QLAC Timing, SPIAs: Q&A #2623
Jim and Chris discuss listener emails on whether Social Security should be compared to an annuity, Rule of 55 distribution rules, using period-certain annuities during the delay period, QLAC timing and taxes, and using a SPIA for Minimum Dignity Floor™ coverage.
(5:20) The guys address a listener’s objection to describing Social Security as an annuity and whether that comparison is accurate.
(32:00) A listener seeks clarification on Rule of 55 distributions after receiving conflicting information about whether plan-specific rules matter.
(38:45) Georgette asks whether a 10-year period before her mortgage is paid off can be treated like a delay period and covered with a period-certain annuity.
(51:30) Jim and Chris answer a question about whether QLACs can be purchased for a spouse from an IRA, how QLAC timing can be structured, and how payments are taxed.
(1:13:45) George wonders whether relying on excess RMDs or purchasing a qualified second-and-survivor SPIA from IRA funds is a better way to support long-term MDF coverage.
About the Show
What do you get when you combine a TALENTED CFP® PROFESSIONAL with a well-informed COLLEGE FINANCE INSTRUCTOR? If you mix in relevant financial information and a healthy dose of humor you get the Retirement and IRA Show, an informative, educational and entertaining podcast program focused on retirement topics.
Search
Looking for more information on a specific topic? Use the Search feature to find information on this site and Jim Saulnier & Associates, LLC business site.
Send Us a Question
We’ll answer it on the show! Please include a phone # or email address and we’ll let you know when your question will air.
"*" indicates required fields
Listen Live
