Our Most Recent Show
Social Security, SPIA, SPIA Timing, QLAC: Q&A #2626
Jim and Chris discuss listener emails on Social Security benefits for a disabled adult child, SPIA timing and funding, longevity assumptions, and QLAC planning.
(15:15) A listener asks why Social Security appears to be paying a disabled adult child benefit and child-in-care spousal benefit as a combined 50% of the worker’s PIA rather than 50% each, and how they might address the issue.
(32:45) The guys discuss whether to buy a SPIA now or wait until age 70, along with the pros and cons of purchasing one with pre-tax, Roth, or brokerage assets. They also address where a DIY investor may be able to purchase a SPIA.
(1:11:15) Jim and Chris respond to a listener considering whether expected AI-driven longevity advances should factor into the timing of a future SPIA purchase.
(1:19:30) A listener asks about using a QLAC to help accelerate Roth conversions and whether a special needs trust for a disabled adult child could avoid a large lump-sum tax hit if both parents pass early.
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.
Search
Looking for more information on a specific topic? Use the Search feature to find information on this site and Jim Saulnier & Associates, LLC business site.
Send Us a Question
We’ll answer it on the show! Please include a phone # or email address and we’ll let you know when your question will air.
"*" indicates required fields
Listen Live
