Social Security, Account Consolidation, and MYGA Selection: Q&A #2537

September 13, 2025

Social Security, Account Consolidation, and MYGA Selection: Q&A #2537

Jim and Chris discuss a listener PSA on WEP treatment for foreign pensions, followed by questions on Social Security strategies, benefit calculators, account consolidation, and MYGA selection.
(13:00) Georgette shares a PSA on how a lump-sum superannuation payout impacted WEP treatment under the POMs rule and led to a successful Social Security appeal.
(21:45) George outlines his family’s situation and asks if claiming Social Security now is the best strategy to activate child-in-care and DAC benefits.
(36:15) A listener asks which online calculator Chris previously recommended to determine the taxable portion of Social Security benefits.
(38:45) The guys address a question about whether the SSA benefit estimates shown at FRA and age 70 include COLA adjustments.
(43:30) Jim and Chris respond to a question about how different retirement plan components might be treated when considering account consolidation.
(56:00) A listener asks what criteria to use in MYGA selection, including how to evaluate insurers and what the minimum AM Best rating should be.

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