Spousal Benefits, HSA Tax Strategies PSA, Inherited IRAs: Q&A #2632
August 8, 2026
Jim and Chris discuss listener emails on Social Security spousal benefits, a listener PSA on HSA tax strategies and treasuries, and inherited IRA RMD rules for minor beneficiaries. (9:00) A listener asks about qualifying for spousal benefits after a lengthy separation, since both spouses are now retired but remain legally married. (28:15) The guys share a listener PSA on tax strategies involving...
Listen NowInvestment Positioning Explained: EDU #2631
August 5, 2026
If you’d like to skip past Jim, Chris, and Jacob’s opening chat about Jacob relocating to Iowa, Jim’s hiking plans, weather, office dog Apollo, and generational pop culture gaps, skip ahead to (10:00). Chris’s Summary Jim and I continue our discussion on the Fun Number™, joined this time by Jacob as we turn to investment positioning of those pieces. Jacob walks...
Listen NowSocial Security, Estate Planning, Annuity Safety: Q&A #2631
August 1, 2026
Jim and Chris discuss listener emails on Social Security survivor benefits after the GPO repeal, estate planning for minor children, and annuity safety. (10:00) A listener asks whether the repeal of GPO permits the survivor in a mixed Social Security and non-covered pension couple to keep both Social Security benefits rather than only the higher benefit, and where this rule appears in the POMS....
Listen NowCovering Retirement Income Gaps: EDU #2630
July 29, 2026
Chris’s Summary Jim and I continue our discussion on the Fun Number™, this time tackling what comes out first and how we plan for covering retirement income gaps. We look at funding both the delay period and post-delay period, including how a SPIA quote helps determine how much to set aside today to close a future gap. We also address aging and long-term care, and the smaller, less...
Listen NowSocial Security, Roth 401k, HSA Reimbursement, Pension Options, Trust Planning: Q&A #2630
July 25, 2026
Jim and Chris discuss listener emails on Social Security survivor benefit strategies, a Roth 401(k) catch-up rule loophole, HSA reimbursement for Medicare premiums, pension options including a lump sum rollover, and trust titling versus individual beneficiaries. (13:00) — George asks whether his brother can claim his own Social Security benefit at 62 and switch to the higher survivor benefit at...
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