Social Security, Inherited IRAs, RMDs and Annuities: Q&A #2252

December 24, 2022

Social Security, Inherited IRAs, RMDs and Annuities: Q&A #2252

Jim and Chris discuss listeners questions relating to spousal Social Security benefits, survivor benefits, inherited IRAs, RMDs, and annuities.

(16:00) Georgette wonders if she can claim a spousal Social Security benefit without affecting her future full personal benefit.

(26:30) A listener looks for clarification on his sisters ability to claim a Social Security survivor benefit.

(37:45) The same listener from above asks about the stretch RMD rules for inherited IRAs with regard to his sister and her inherited IRA.

(52:00) George from Texas looks for an alternative instrument to provide guaranteed income other than an annuity.

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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.