Social Security Benefits, IRMAA, and QCD Timing: Q&A #2517

April 26, 2025

Social Security Benefits, IRMAA, and QCD Timing: Q&A #2517

Jim and Chris discuss listener questions relating to Social Security spousal benefits, IRMAA relief, suspending Social Security for tax planning, and QCD timing with RMDs.

(3:00) A listener enquires whether her 85-year-old mother, who recently remarried, must remain on her ex-spouse’s record for one year before switching to spousal benefits on her new husband’s record.
(12:15) The guys address what happens if you file form SSA-44 for IRMAA relief but end up in a higher income tier than estimated.
(23:30) George asks to revisit a previous question about if suspending Social Security could allow for more Roth conversions and tax savings.
(34:30) Jim and Chris respond to a listener who challenges whether QCDs must be taken before RMDs.

Show Notes: QCD Timing Article by Lord Abbet

Podcast: Play in new window | Download (Duration: 1:05:39 — 30.1MB)

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