Social Security, DIAs, QLACs, and Interest Rates: Q&A #2326

July 1, 2023

Social Security, DIAs, QLACs, and Interest Rates: Q&A #2326

Jim and Chris sit down to discuss listeners questions relating to Social Security, DIAs, QLACs, and interest rates.

(4:30) A Texan listener looks for clarification on the rules surrounding the Social Security earning limit for self-employed people.

(17:45) A listener asks if she’s missing anything in calculating the maximum and optimal time for her and her husband to claim their Social Security benefits.

(30:30) Jim clarifies an error made on a previous podcast episode.

(35:30) Jim addresses a listeners comment on guessing the listeners states prior to answering questions.

(41:00) A listener from Arizona wonders if it makes more sense to purchase a deferred income annuity (DIA) or a qualified annuity longevity contract (QLAC) now when interest rates are higher.

(50:15) A listener asks about QLACs and thoughts on his particular strategy/implementation of a QLAC.

(56:15) A listener asks why some other investment advisors don’t recommend QLACs more often.

Podcast: Play in new window | Download (Duration: 1:15:34 — 34.6MB)

Subscribe: RSS

Check out the background of firms and investment professionals on SEC’s Adviser Info Page.

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

© 2024, Jim Saulnier & Associates All rights reserved.

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.