Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks : Q&A #2435

August 31, 2024

Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks : Q&A #2435

Jim and Chris sit down to discuss listener questions relating to Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks.

(6:30) George hopes Chris can confirm his Social Security math and give some input on when his wife should claim her benefits.

(17:30) A listener looks for clarification on whether his wife can claim her Social Security Benefits early then switch to full spousal benefits when he takes his full benefit.

(25:00) Jim and Chris share a listener’s joke – punny stuff!

(31:00) George asks why an annual SPIA payment ends up being less than monthly payments since the balance should earn more interest if it stays in the account longer.

(42:00) The guys talk about the difference between investing in equities with ETFs for S&P 500 versus total stock market and whether there are advantages to using total stock index.

(1:02:00) A listener wonders if the original open date of his Roth 401k still counts for the 5-year rule now that he’s rolled it over into a Roth IRA, or if the clock has restarted.

 

 

 

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

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.