Social Security, SPIA, SPIA Timing, QLAC: Q&A #2626
June 27, 2026
Jim and Chris discuss listener emails on Social Security benefits for a disabled adult child, SPIA timing and funding, longevity assumptions, and QLAC planning. (15:15) A listener asks why Social Security appears to be paying a disabled adult child benefit and child-in-care spousal benefit as a combined 50% of the worker’s PIA rather than 50% each, and how they might address the issue. (32:45)...
Listen NowAnnuity Collapse: EDU #2625
June 24, 2026
Chris’s Summary Jim and I examine an Annuity Collapse involving PHL Variable Insurance Company, a $99,000 annuity, private equity ownership, state guarantee funds, and the limits of what the article explains. We separate fixed annuities, variable annuities, general accounts, separate accounts, insurer insolvency risk, market risk, and rating history, while noting why the missing annuity...
Listen NowSocial Security, Annuities, Income, Annuities: Q&A #2625
June 20, 2026
Jim and Chris discuss listener emails on delayed Social Security credits, annuity provider ratings, DIA versus QLAC income planning, and fixed indexed annuity (FIA) recommendations. (10:30) A listener shares a long delay in receiving additional Delayed Retirement Credits on their Social Security benefit and asks whether there are any further steps to take or whether patience is the best option....
Listen NowForced Annuitization: EDU #2624
June 17, 2026
Chris’s Summary Jim and I continue our discussion on Forced Annuitization in a highly appreciated non-qualified variable annuity owned by a 90-year-old listener’s mother. We examine LIFO taxation, IRD, IRMAA, period certain annuitization, beneficiary options, IOVAs, and the difference between a codified annuitization approach and the less certain non-qualified stretch. The distinction...
Listen NowSocial Security, Annuities for LTC Planning: Q&A #2624
June 13, 2026
Jim and Chris discuss listener emails on Social Security earnings limits, and two emails relating to using annuities for LTC planning. (13:00) — A listener asks whether income from selling NSO stock counts as earned income for Social Security, potentially triggering the earnings limit before full retirement age. (21:00) — George asks about using a 1035 exchange to move variable annuities with...
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