Some Questions About Social Security & IRAs: Q&A #2025

June 20, 2020

Some Questions About Social Security & IRAs: Q&A #2025

Jim and Chris answer multiple questions relating to Social Security and IRAs.

(5:45) A  Californian asks if his mother-in-law’s husband can claim a spousal benefit even if she never claimed her own Social Security benefit.

(10:45) A listener from Ohio would like to reduce his tax burden from the interest income earned by his cash accounts.

(27:35) A listener would like to know if her husband’s Social Security spousal benefits would be penalized if she claims her benefits early.

(37:00) A Kansas listener has a question about transferring IRAs.

(57:20) A Pennsylvanian would like to increase her federal tax withholding amount.

(1:00:00) “George” is wondering if he can make QCDs from his IRA without triggering RMDs.


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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.