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Social Security, Annuities, Income, Annuities: Q&A #2625

Jim and Chris discuss listener emails on delayed Social Security credits, annuity provider ratings, DIA versus QLAC income planning, and fixed indexed annuity (FIA) recommendations.

(10:30) A listener shares a long delay in receiving additional Delayed Retirement Credits on their Social Security benefit and asks whether there are any further steps to take or whether patience is the best option.

(26:00) Another listener passes along Kiplinger reader survey results on annuity providers and asks whether the information may be useful in a broader discussion about choosing an insurance company.

(45:00) The guys are asked when a deferred income annuity (DIA) might be better than a qualified longevity annuity contract (QLAC) inside an IRA, especially given the potential RMD and tax advantages of a QLAC.

(1:15:45) Jim and Chris respond to a listener nearing retirement who was advised to move TSP G Fund money into a fixed indexed annuity (FIA) and wants to understand whether that is better than keeping the funds in the TSP and using a withdrawal strategy.


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About the Show

About the Show

What do you get when you combine a TALENTED CFP® PROFESSIONAL with a well-informed COLLEGE FINANCE INSTRUCTOR? If you mix in relevant financial information and a healthy dose of humor you get the Retirement and IRA Show, an informative, educational and entertaining podcast program focused on retirement topics.

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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.