Social Security, HSA Rules, SPIA Funding, and FIA Details: Q&A #2524

June 14, 2025

Social Security, HSA Rules, SPIA Funding, and FIA Details: Q&A #2524

Jim and Chris address questions on Social Security survivor benefits, unreimbursed HSA expenses, SPIA funding from multiple accounts, and Fixed Indexed Annuity details.

(7:45) Georgette asks whether drawing her own reduced Social Security benefit at 62 will affect her ability to switch to her deceased husband’s full survivor benefit at age 67.
(23:15) A listener follows up on an HSA discussion, asking whether reimbursing heirs with a shoebox of unreimbursed receipts is valid post-death, or if only unpaid bills qualify.
(33:00) The guys address a question about funding a SPIA when assets are distributed across various accounts like IRAs, Roths, and brokerage accounts.
(52:15) Jim and Chris respond to a listener who wants clarification on the features, surrender schedule, and commission of a fixed indexed annuity a friend recently purchased in his IRA.

Podcast: Play in new window | Download (Duration: 1:21:33 — 37.3MB)

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