Bond ETFs, Social Security, 401k Annuities, and Annuitization: Q&A #2523
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 7 June 2025
⏱️ 85 minutes
🧾️ Download transcript
Summary
Jim and Chris answer questions on defined maturity bond ETFs, Social Security account linking and spousal offsets, 401k annuities vs IRA Annuities, and annuitization definitions.
(14:30) Jacob joins the guys to explain how estimated net acquisition yield works for defined maturity bond ETFs, including how to interpret it and evaluate risk when holding through maturity.
(38:30) A listener asks about sending a marriage certificate to Social Security for account linking and whether there’s any confirmation of linking on SSA.gov.
(44:15) George wonders whether his wife will automatically receive a spousal benefit increase once he claims Social Security at age 70, and how to confirm PIA and eligibility.
(52:30) Jim and Chris address a suggestion that annuities held inside 401k plans may be less tax efficient than IRA annuities because of RMD aggregation rules.
(1:06:45) A listener asks why so few annuities are annuitized and whether turning on income from a DIA or SPIA counts as annuitization.
The post Bond ETFs, Social Security, 401k Annuities, and Annuitization: Q&A #2523 appeared first on The Retirement and IRA Show.
Transcript
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| 0:00.0 | The retirement and IRA show represents the words and views of the show hosts exclusively and should not be construed as investment legal or tax advice. All information is believed to be from reliable sources. However, we make no representation as to its completeness or accuracy. All economic and performance information is historical in nature and is not indicative of any future results. Any indices mentioned on the show are unmanaged and cannot be invested indirectly. Diversityiversification and asset allocation strategies do not assure profit or protect against loss. |
| 0:23.7 | Never make any investment or financial decisions based on information offered on this show |
| 0:26.8 | without first consulting your financial legal or tax advisor. |
| 0:29.6 | Financial planning services offered through Jim Solnier and Associates LLC, a registered investment |
| 0:33.3 | advisor. |
| 0:38.3 | This is the retirement and IRA show coming to you from beautiful Northern Colorado. |
| 0:43.7 | Join us as certified financial planner Jim Sonier, as well as Colorado State University |
| 0:48.7 | Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401k's, annuities, |
| 0:56.1 | Social Security, pension plans, and estate planning in a fun and enjoyable show. Whether you |
| 1:01.7 | are listening live in Colorado or streaming from their website or iTunes podcast, Jim and Chris |
| 1:07.4 | want you to know that they're available to help you plan for your retirement. |
| 1:14.0 | Just visit their website at Jimhelps.com. |
| 1:17.6 | That's Jim, H-E-L-P-S dot com. |
| 1:20.1 | And click the Meet the Team button on the homepage. |
| 1:23.0 | Now here's Jim and Chris with today's show. |
| 1:31.3 | Well, hello and welcome to the Retirement and IRA show Q&A edition for this week. |
| 1:38.5 | This is, in fact, the first Q&A show during June of 2025. |
| 1:43.5 | So we are into National Annuity Awareness Month. If you listen to our EDU show a couple days ago, we started talking annuities then. |
| 1:49.2 | But in honor of National Annuity Awareness Month, we kind of emphasize annuities on our shows during this month. |
| 1:59.5 | And today we're going to do that to the Q&A show, although for you non-annuity interested, |
| 2:05.6 | if that's a classification of listeners, we'll always throw in at least one non-annuity question. |
| 2:12.7 | And then we'll always do our social security, which some may not think of it as such, |
... |
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