Social Security, HSA Held Annuities, IRA Annuities: Q&A #2541

October 11, 2025

Social Security, HSA Held Annuities, IRA Annuities: Q&A #2541

Jim and Chris discuss a listener PSA on estimating early retirement benefits, followed by questions on Social Security benefit calculations and reductions, HSA held annuities, and IRA annuity pro rata rule application.
(14:45) George shares a PSA explaining how to input future earnings on the SSA site to better estimate early retirement benefits.
(25:15) A listener asks whether their benefit is funded by the Social Security trust fund and how to estimate their benefit if the trust fund becomes depleted.
(37:30) The guys respond to a question about a survivor benefit reduction due to a government pension and whether this reflects an error based on the GPO elimination.
(42:00) Jim and Chris weigh-in on the pros and cons of HSA held annuities to generate secure income.
(55:00) A listener wants to know how the pro rata rule applies when holding both an annuity inside an IRA and in a separate Roth IRA.

Podcast: Play in new window | Download (Duration: 1:22:50 — 37.9MB)

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