Bond ETFs, Social Security, 401k Annuities, and Annuitization: Q&A #2523

June 7, 2025

Bond ETFs, Social Security, 401k Annuities, and Annuitization: Q&A #2523

Jim and Chris answer questions on defined maturity bond ETFs, Social Security account linking and spousal offsets, 401k annuities vs IRA Annuities, and annuitization definitions.
(14:30) Jacob joins the guys to explain how estimated net acquisition yield works for defined maturity bond ETFs, including how to interpret it and evaluate risk when holding through maturity.
(38:30) A listener asks about sending a marriage certificate to Social Security for account linking and whether there’s any confirmation of linking on SSA.gov.
(44:15) George wonders whether his wife will automatically receive a spousal benefit increase once he claims Social Security at age 70, and how to confirm PIA and eligibility.
(52:30) Jim and Chris address a suggestion that annuities held inside 401k plans may be less tax efficient than IRA annuities because of RMD aggregation rules.
(1:06:45) A listener asks why so few annuities are annuitized and whether turning on income from a DIA or SPIA counts as annuitization.

Podcast: Play in new window | Download (Duration: 1:25:22 — 39.1MB)

Subscribe: RSS

Check out the background of firms and investment professionals on SEC’s Adviser Info Page.

Jim Saulnier and Associates | 970-530-0556 | 506 East Mulberry Street, Fort Collins, Colorado 80524

© 2025, Jim Saulnier & Associates All rights reserved.

Ed Slott Advisor recognition requires an advisor to be well versed on the rules and regulations regarding IRAs. The advisor must attend two live training sessions and pass two written exams annually to remain in the program. Jim Saulnier & Associates, LLC (“RIA Firm”) is a registered investment adviser located in Fort Collins, CO. Jim Saulnier & Associates, LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Current registered states: CA, CO, PA, TX, WA, IL Insurance products and services are offered and sold through James H. Saulnier, a Colorado licensed insurance producer, only in those states in which he is reciprocally licensed or qualifies for an exemption or exclusion from licensing requirements. Current reciprocal insurance licensing in these states: AZ, CA, CA, CN, FL, HI, IA, MA, MD, NY, PA, SC, TN, TX, VA, WA, WI, WY Click here for a more detailed disclosure.