IRMAA, Early Withdrawal Penalty, 403b Distributions: Q&A #2606

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 7 February 2026

⏱️ 87 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener emails on IRMAA appeals using Form SSA-44, avoiding the 10% early withdrawal penalty, and whether a 403(b) distribution can be rolled into an IRA. Jim also manages to turn a discussion on Superbowl food to a conversation on retirement planning for the Go-Go phase of life (with a few other stops in between). So, if you typically skip the banter you may want to tune in around (10:10) for that discussion.

(16:30) George shares his experience repeatedly filing Form SSA-44 to correct IRMAA determinations and explains how Social Security processed and applied his updated income information.

(35:00) A listener asks whether a qualified annuity can be used instead of a 72(t) series of substantially equal periodic payments to avoid the 10% early withdrawal penalty.

(1:04:45) The guys discuss whether 403(b) distributions can be completed as 60-day rollovers into Traditional and Roth IRAs, and whether a custodian could refuse to accept the rollover.

The post IRMAA, Early Withdrawal Penalty, 403b Distributions: Q&A #2606 appeared first on The Retirement and IRA Show.

Transcript

Click on a timestamp to play from that location

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. Diversification and asset allocation strategies do not assure profit or protect against loss.
0:23.8	Never make any investment or financial decisions based on information offered on this show
0:26.9	without first consulting your financial legal or tax advisor.
0:29.7	Financial planning services offered through Jim Solnior and Associates LLC, a registered investment
0:33.4	advisor.
0:38.2	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
0:48.6	Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, annuities, social security,
0:57.0	pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live
1:02.6	in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that
1:08.3	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.com.
1:20.0	And click the Meet the Team button on the homepage.
1:23.0	Now here's Jim and Chris with today's show.
1:32.6	Hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week.
1:35.5	Hope everybody's doing well out there.
1:44.0	We're having a nice time with beautiful spring-like weather in wintertime on the front range of Colorado. There's your official
1:44.8	weather report. We'll try to, we'll try to resist going too deeply into the weather because I think
1:50.5	we've kind of turned this into a weather introductory show, if you will, when we really want
1:57.6	to be a retirement planning Q&A show. That's the intention at least.
2:03.1	Although some banter, most of our listeners,
	...

Please login to see the full transcript.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Jim Saulnier, CFP® & Chris Stein, CFP®, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Jim Saulnier, CFP® & Chris Stein, CFP® and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.