Social Security, IRMAA, Wash Sales, and Annuity Alternatives: Q&A #2415

April 13, 2024

Social Security, IRMAA, Wash Sales, and Annuity Alternatives: Q&A #2415

Jim and Chris sit down to discuss listener questions relating to Social Security, IRMAA, wash sales, and annuity alternatives.

(17:30) George wonders if his Social Security benefit will be affected due to his earnings in Canada.

(25:45) George wonders if he can let the SSA know about discontinuing Roth conversions to avoid the associated IRMAA surcharges.

(34:15) A listener asks about the timing behind claiming a Social Security survivor benefit.

(43:00) A listener looks for thoughts on exchanging bond funds within a brokerage account with regard to the wash sale rule.

(45:00) A listener reaches out to Jim and Chris with a Harvard study that they often reference on their show indicating a person’s ability to understand financial concepts begins diminishing at age 53.

Associated Video: | Associated Book Summary:

(55:00) George looks for any applicable alternatives to annuities.


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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.