IRMAA, 457b, QCDs, and Roth Conversions: Q&A #2451

December 21, 2024

IRMAA, 457b, QCDs, and Roth Conversions: Q&A #2451

Jim and Chris discuss listener questions relating to IRMAA, Social Security benefits, 457B plans, Qualified Charitable Distributions, and Roth conversions.

(8:30) The guys address a listener question about using form SSA-44 to appeal IRMAA surcharge.

(20:45) George seeks clarity on whether and how his wife’s 457 plan distributions will impact their Social Security benefits.

(42:00) A PSA from Georgette shares her experience with using check-writing from an IRA for QCDs.

(46:00) Jim and Chris weigh in on advice given to a widow about converting her late husband’s SIMPLE IRA to a Roth IRA.

(1:20:45) A listener asks for guidance on handling the pro-rata rule after a backdoor Roth conversion and the implications of an IRMAA discrepancy due to a late-reported Roth conversion.

Podcast: Play in new window | Download (Duration: 1:37:47 — 44.8MB)

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