Social Security, IRMAA, ETFs, Private Investments: Q&A #2547
November 22, 2025
Jim and Chris discuss listener questions on Social Security spousal benefits, IRMAA’s classification, concerns about buffer-style funds, the growing push toward private investments, and moving from mutual funds to ETFs. (22:30) A listener presents a hypothetical asking whether the repeal of WEP/GPO could allow Georgette to receive a spousal benefit based on her ex-husband’s Federal Employee...
Listen NowQLAC Rules and Uses: EDU #2547
November 19, 2025
If you would prefer to miss Jim’s update on his broken-down truck and recent travels you can skip ahead to (12:45). Chris’s SummaryJim and I walk through QLAC rules and explain how qualified longevity annuity contracts fit into our Secure Retirement Income Process™ for people who want reliable income later in life. We look at how the Treasury Department designed QLACs after the 2008 market...
Listen NowSocial Security,Estate Planning PSA, Annuity Payments: Q&A #2546
November 15, 2025
Jim and Chris discuss listener questions on Social Security claiming timing with a listener PSA on application details, Social Security earnings rules at FRA, estate planning organization systems, and restrictions for annuity payments. (15:30) Georgette shares a PSA about the Social Security application process and asks whether applying for benefits to start the month she turns 70 ensures she...
Listen Now2026 Social Security Changes: EDU #2546
November 12, 2025
Chris’s SummaryWith Jim away this week, I review the 2026 Social Security changes from the recently released SSA Fact Sheet covering the 2.8% COLA, the new taxable maximum, quarters-of-coverage earnings, and earnings test limits. I also walk through projected Medicare Part B premiums and the deductible, explain the hold harmless provision, and outline 2026 IRMAA brackets for joint and single...
Listen NowSocial Security and Roth Conversion Strategies: Q&A #2545
November 8, 2025
With Jim is away at a conference, Chris is joined by Jake to discuss listener questions on Social Security survivor benefits, and Roth conversion strategies. (6:30) A listener asks how a widow can maximize her Social Security benefit when her late husband had not yet claimed his. (14:15) George seeks guidance on figuring out if he and his wife need to do Roth conversions, and, if so, how much....
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