Contributions, Social Security, 415 Limits, and Beneficiaries: Q&A #2503
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 18 January 2025
⏱️ 66 minutes
🧾️ Download transcript
Summary
Jim, Chris, and Jake sit down to discuss listener questions relating to contributions, Social Security, 415 limits, and beneficiaries.
PSA: Chris and Jake review several questions from this weeks EDU show relating to 415 limits, new age 60-63 “super” catch-up contributions effective under SECURE 2.0.
(10:30) A listener looks for clarification on his wife’s spousal Social Security benefit.
(13:30) George provides some additional thoughts surrounding 415 limits and maxing out 401k contributions.
(23:00) PSA to clarify the question from last week’s Q&A Show regarding a person who inherited an IRA directly from his mom as a primary beneficiary, and a different IRA from his mother as a successor beneficiary. They dive deeper into the difference between a primary and successor beneficiary when inheriting an IRA.
(51:45) Georgette looks for some additional information on Social Security issues surrounding widowhood.
(1:01:00) A listener wonders what happens when the market is closed on a day that someone passes away and how to value the security on that given day when it’s inherited.
The post Contributions, Social Security, 415 Limits, and Beneficiaries: Q&A #2503 appeared first on The Retirement and IRA Show.
Transcript
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| 0:26.8 | without first consulting your financial legal or tax advisor. |
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| 0:33.3 | advisor. |
| 0:43.2 | This is the retirement and IRA show coming to you from beautiful Northern Colorado. |
| 0:48.9 | Join us as certified financial planner Jim Sondier, as well as Colorado State University Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, annuities, |
| 0:56.2 | social security, pension plans, and estate planning in a fun and enjoyable show. |
| 1:01.5 | Whether you are listening live in Colorado or streaming from their website or iTunes podcast, |
| 1:06.8 | Jim and Chris want you to know that they're available to help you plan for your retirement. |
| 1:11.4 | Just visit their website at Jimhelps.com. |
| 1:14.6 | That's Jim, H-E-L-P-S dot com. |
| 1:18.1 | And click the Meet the Team button on the homepage. |
| 1:20.8 | Now here's Jim and Chris with today's show. |
| 1:26.7 | Well, hello and welcome to the Retirement and IRA show, Q&A edition for this week. |
| 1:32.6 | We've got the questions lined up. |
| 1:36.6 | We're going to have a three-way show today. |
| 1:40.6 | We're going to have Jim and Jake joining me. |
| 1:43.5 | My name is Chris, if you're new to the show. |
| 1:48.6 | One thing we're going to tackle right off the bat is there's been a couple of questions |
| 1:53.0 | come in off of the last EDU show that Jake and I did together talking about the super catch-up contribution. |
| 2:04.1 | So I think we're going to start with that. |
... |
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