IRMAA Brackets and QLACs: Q&A #2548

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 29 November 2025

⏱️ 80 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris discuss listener questions on IRMAA brackets and several QLAC topics including RMD interaction, suitability, payout values, and purchase timing.

(19:30) A listener wonders if their lower 2024 income will automatically reduce their 2026 IRMAA even though it doesn’t qualify for an SS-44, or if they must contact the SSA.
(25:15) George asks whether going above certain income thresholds in 2025 could keep IRMAA lower in 2027 because of inflation adjustments.
(34:30) The guys weigh whether QLAC income, once it begins, can offset RMDs on other IRA holdings.
(54:00) Georgette wants to know who is a good candidate for a QLAC, how it is purchased, and which features to consider.
(1:05:00) A listener seeks guidance on determining early- and late-start payout values for a QLAC and whether those values are fixed or variable.
(1:10:15) Jim and Chris consider whether buying a QLAC earlier leads to higher payments at the same deferral age and what factors affect purchase timing.

The post IRMAA Brackets and QLACs: Q&A #2548 appeared first on The Retirement and IRA Show.

Transcript

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0:44.3	Join us as certified financial planner Jim Sondier, as well as Colorado State University
0:49.3	Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, annuities,
0:56.6	social security, pension plans, and estate planning in a fun and enjoyable show.
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1:07.2	Jim and Chris want you to know that they're available to help you plan for your retirement.
1:11.8	Just visit their website at Jimhelps.com.
1:14.9	That's Jim H-E-L-P-S dot com.
1:18.5	And click the Meet the Team button on the homepage.
1:21.2	Now here's Jim and Chris with today's show.
1:27.1	Well, hello everybody and welcome to the Retirement and IRA show, Q&A edition for this week.
1:33.8	As promised today on the Q&A show, it's going to be fairly focused on questions who we've been
1:40.0	receiving recently on QLAX qualifying longevity annuity contracts or deferred income annuities
	...

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