HSA Contributions, Social Security, Fee Disclosures, TSPs: Q&A #2543
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 730 Ratings
🗓️ 25 October 2025
⏱️ 74 minutes
🧾️ Download transcript
Summary
Jim and Chris discuss listener questions on how Medicare enrollment affects HSA contributions, Social Security survivor benefits and IRMAA adjustments, financial advisor fee disclosures, and the Thrift Savings Plan (TSP) as a tool in retirement planning.
(10:00) A listener asks whether enrolling in Medicare in December with coverage starting in January limits HSA contributions due to the six-month retroactive rule.
(31:00) The guys address how a December birthdate affects delayed retirement credits and whether a surviving spouse would receive the full 8% annual increase.
(39:00) George wants to know if he can use SSA Form 44 to reduce his IRMAA premium calculation after retiring and lowering his income.
(47:00) Jim and Chris respond to a question about financial advisor fee disclosures.
(59:15) A listener asks for Jim and Chris’ thoughts on the Thrift Savings Plan, particularly use of the G Fund.
The post HSA Contributions, Social Security, Fee Disclosures, TSPs: Q&A #2543 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 Solnior and Associates LLC, a registered investment advisor. |
| 0:38.1 | This is the retirement and IRA show coming to you from beautiful Northern Colorado. |
| 0:43.5 | Join us as certified financial planner Jim Sonier, as well as Colorado State University |
| 0:48.4 | Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, annuities, social security, |
| 0:56.8 | pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live |
| 1:02.3 | in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know |
| 1:07.9 | that they're available to help you plan for your retirement. |
| 1:13.8 | Just visit their website at Jimhelps.com. |
| 1:20.0 | That's Jim H-E-L-P-S.com and click the Meet the Team button on the homepage. |
| 1:22.7 | Now here's Jim and Chris with today's show. |
| 1:26.8 | Hello, everybody. |
| 1:30.4 | Welcome to the Retirement and IRA show Q&A edition for this week. |
| 1:36.3 | I'm going to start today's show off, actually, with the little announcements. |
| 1:39.4 | Hear ye, hear ye. |
| 1:41.0 | Here you, hear ye. |
| 1:50.9 | So the official social security cost of living adjustment has been announced this morning as we record this, who is due back on October 15th. But because of the government shutdown, they pushed it back to the 24th, which is today when we're recording this. |
| 1:57.0 | This show will release tomorrow on the 25th. |
| 2:00.2 | So you're likely to have heard this already |
| 2:02.3 | if you're listening to other sources since there's this one day delay. But the official |
... |
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