Social Security, IRMAA, IRA Beneficiary, and the Roth 5-Year Rule: Q&A #2519

May 10, 2025

Social Security, IRMAA, IRA Beneficiary, and the Roth 5-Year Rule: Q&A #2519

Jim and Chris respond to listener emails on Social Security record accuracy, IRMAA repayment options, naming a Trust as an IRA beneficiary, and the Roth 5-year Rule.

(12:00) Georgette shares five important Social Security lessons from her family’s experience, prompting a PSA-style discussion on earnings record errors, divorce and remarriage rules, survivor benefit delays, and claiming strategies.
(40:15) A listener offers a PSA about what happens if your IRMAA appeal lowers surcharges, but your income later exceeds expectations.
(45:15) Jim and Chris address a question about naming a Trust as IRA beneficiary, discussing both how to complete a beneficiary designation form and how custodians title Inherited IRAs when a Trust is involved.
(1:04:30) The guys weigh in on whether a Roth conversion to create a new account two days before the owner’s death must meet the Roth 5-year rule for beneficiaries to access funds tax-free.

Podcast: Play in new window | Download (Duration: 1:34:04 — 43.1MB)

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