Retirement Benefits, Social Security, Annuities, and QLACs: Q&A #2115

April 10, 2021

Retirement Benefits, Social Security, Annuities, and QLACs: Q&A #2115

Jim and Chris sit down to discuss listeners questions relating to retirement benefit plans, Social Security, annuities, and QLACs.

(3:30) An Indiana listener looks for advice on when to collect his Railroad Retirement Benefits (RRB).

(17:30) A Californian asks for clarification about how receiving two years of wages after retirement will effect her age 70 Social Security benefit.

(37:00) George wonders how to calculate the expected rate of return of a DIA (deferred income annuity) forecasted at various mortality ages.

(51:30) A listener describes his parents financial position and asks for advice regarding the purchase of a QLAC.

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

Jim Saulnier, Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC to residents of: CO, IA, IN, MA, NY, TN, TX, WI and WY. No offers may be made to or accepted from any resident outside the specific states mentioned. Jim Saulnier, Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Financial Planning services offered through Jim Saulnier and Associates, LLC., a Registered Investment Advisor. Cambridge and Jim Saulnier & Associates, LLC are not affiliated.