RMDs, Social Security, Annuities, and Pension Survivor Benefits: Q&A #2032

August 8, 2020

RMDs, Social Security, Annuities, and Pension Survivor Benefits: Q&A #2032

Jim and Chris discuss listeners’ questions relating to required minimum distributions, backdating Social Security benefits, claiming spousal Social Security benefits, annuity variations, and joint and survivor pension options.

(4:05) Clarification on a question from last week’s EDU show from the Ed Slott group on rolling over required minimum distributions.

(14:30) Jim and Chris readdress a listener’s question from Q&A #2030 about backdating his own delayed Social Security benefit.

(24:19) A Floridian wants to know about the potential of his wife claiming a Social Security spousal benefit based on the rules surrounding caring for underage children.

(35:40) George from California suggests another solution to a previous caller’s question about Deferred Income Annuities (DIAs) and Single Premium Immediate Annuities (SPIAs).

(1:07:50) A North Carolinian asks a question about how to determine which survivorship benefit options to choose when beginning to claim their pensions.

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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.