Social Security, Roth IRA Characterizations, and 403(b)’s: Q&A #2317

April 29, 2023

Social Security, Roth IRA Characterizations, and 403(b)’s: Q&A #2317

Jim and Chris sit down to discuss listener questions relating to Social Security, Roth IRA recharacterizations, and 403(b)’s.

(6:45) A Massachusetts listener wonders what her Social Security survivorship benefit would be if her husband were to claim benefits early at age 62.

(16:00) A Connecticut listener asks for clarification on the timing of claiming your Social Security benefit and when the first payment will arrive.

(25:00) George from Minnesota asks about Roth IRA recharacterizations and how to let the IRS know about a recharacterization.

(49:00) A listener wonders if they have to file anything with the IRS for his wife to begin taking age 55 distributions from her 403(b) account.

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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.