IRMAA, RMDs, Conduit Trust: Q&A #2610

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 8 March 2026

⏱️ 66 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener emails on PSAs regarding IRMAA reimbursements, RMD in-kind transfers, and naming a conduit trust as a retirement account beneficiary.

(8:15) A listener shares a PSA that an IRMAA reimbursement was applied as a credit balance drawn down over several months rather than a lump sum.

(17:00) The guys discuss a listener PSA on SSA-44 filing: when income is underestimated and IRMAA is owed, Medicare reconciles the difference the following November or December with no penalties or interest assessed.

(33:45) George asks whether an RMD can be satisfied through an in-kind transfer of mutual funds to a brokerage account, and whether only a portion needs to be sold to cover the tax bill.

(46:00) Jim and Chris take up a listener question about naming a conduit trust as a contingent beneficiary for retirement accounts, kicking off Part 1 of a broader discussion on see-through and conduit trusts — what each structure is, how they differ, and what happens when an IRA names a trust as its beneficiary. They begin exploring the tax implications and planning considerations involved, noting that these arrangements can create both benefits and unintended complications depending on how they’re set up. The conversation will continue on the next week’s Q&A episode, where they’ll complete this listener’s question and address additional questions received on the topic.

The post IRMAA, RMDs, Conduit Trust: Q&A #2610 appeared first on The Retirement and IRA Show.

Transcript

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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 advisor.
0:38.4	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.9	Join us as certified financial planner Jim Sondier, as well as Colorado State University
0:48.8	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
1:02.7	in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know
1:08.2	that they're available to help you plan for your retirement.
1:14.1	Just visit their website at Jimhelps.com.
1:20.2	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:23.1	Now here's Jim and Chris with today's show.
1:31.7	Hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week.
1:40.4	I've got my understanding is a pretty standard Q&A show where you've sent in questions to Jim.
1:42.2	He's going to bring him to the show.
1:43.7	We're going to do our best to answer them.
1:52.5	This won't be a marathon show. We're a little late in the day recording. So we'll try to keep it pretty tight. Keep the banter to a minimum, if you will. So that, and I'm saying
	...

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