Social Security, Target Date Funds, IRMAA, 457(b)’s, Dividends, and HSAs: Q&A #2303

January 21, 2023

Social Security, Target Date Funds, IRMAA, 457(b)’s, Dividends, and HSAs: Q&A #2303

Jim and Chris discuss questions relating to Social Security, target date funds, IRMAA, 457(b)’s, dividends, and HSAs.

(6:30) George in the UK looks for clarification on the calculation of his Social Security PIA given his work abroad in Europe and in Canada.

(18:30) George asks about a Social Security survivor benefit for his wife if he were to pass away before claiming at age 70.

(26:00) Georgette from Alabama looks for opinions and thoughts on utilizing a target date fund within a joint brokerage account for future assisted living expenses.

(50:00) George asks about the tax brackets used for IRMAA calculations with tax planning in mind.

(54:30) A Texan listeners wonders about the distribution rules for 457(b) retirement accounts.

(1:00:00) Georgette from New Jersey asks about using dividends from a guaranteed inheritance set aside to help fund their minimum dignity floor (MDF).

(1:07:30) A listener asks about rolling over a portion of their 401(k) upon retirement into their HSA to maximize that years contribution.

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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.