Retirement Milestone Ages: EDU #2639
September 30, 2026
If you would prefer not to learn about Jim’s upcoming drive to Ohio and the family change of plans also sending him to Massachusetts, you can skip to (10:00). Chris’s Summary Jim and I walk through retirement milestone ages, from age 21, when a minor child beneficiary’s stretch gives way to the 10-year rule, through catch-up contributions, penalty-free withdrawal ages, Social...
Listen NowSocial Security, IRMAA, Annuity Purchase, MDF Calculations: Q&A #2639
September 26, 2026
Jim and Chris discuss listener emails on the best month to claim Social Security, IRMAA strategy for married couples, Social Security ex-spouse benefits, inflation and annuity purchase decisions for a Minimum Dignity Floor™ shortfall, and Minimum Dignity Floor™ tax calculations. (9:30) A listener asks whether there is a best month to apply for Social Security benefits before age...
Listen NowLongevity Risk Beyond Money: EDU # 2638
September 23, 2026
Chris’s Summary Jim and I use a Life Annuity Specialist article on pension risk transfer mortality models to examine longevity risk for individual retirees. These models weigh sub-ZIP codes, income, and over 200 socioeconomic factors, suggesting some retirees may live more than 10 years past age-65 life expectancy. We discuss why a household is a risk pool of one, why projections should...
Listen NowSocial Security, TIPS Ladder, Investment Positioning, Buffered ETFs: Q&A #2638
September 19, 2026
Chris and Jacob discuss listener emails on Social Security survivor benefits, a TIPS ladder paired with a QLAC, investment positioning across taxable, tax deferred, and tax-free accounts, and buffered ETFs for sequence of returns risk. (12:30) A listener whose spouse recently died asks whether they can claim child in care survivor benefits now while caring for their young daughter, and whether...
Listen NowPower of Attorney Mistakes: EDU #2637
September 16, 2026
Chris’s Summary Jim and I discuss five common power of attorney mistakes flagged in an estate planning attorney’s article, along with points from Peter Scott. We cover naming an alternative agent, the friction a springing agency can create, gifting authority that is either absent or overly broad, notifying old agents and financial institutions after a change, and the boilerplate real...
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