Social Security, IRMAA, Roth Conversions, SPIAs, and QCDs: Q&A #2341

October 14, 2023

Social Security, IRMAA, Roth Conversions, SPIAs, and QCDs: Q&A #2341

Jim and Chris discuss listener questions relating to Social Security, IRMAA, Roth conversions, SPIAs, and QCDs.

(8:45) George from Virginia provides some additional clarification on a Social Security question discussed on the last EDU show #2341.

(21:30) A listener from New Jersey wonders if the proceeds from a home sale will push him into IRMAA and if there is a toll he can use for looking into potential Roth conversion benefits.

(50:00) A Pennsylvanian listener follows up on a SPIA question from a previous show and looks for clarification on the answer from Jim and Chris.

(1:03:15) The same listener from above asks if distributions from an annuity held in a Qualified account which are directed by an insurance company to a charity can be treated as QCDs on his tax return.

(1:10:30) A listeners asks about the ideal time to purchase an annuity for their future selves given cognitive decline concerns.

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