IRMAA, Social Security, Roth 5-Year Rule, Rollover IRA Protections: Q&A #2619

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 9 May 2026

⏱️ 76 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener emails on IRMAA appeals, Social Security survivor benefits, a Venn Diagram PSA, Roth IRA spousal rollover and the five-year rule, and Rollover IRA protections.

(8:15) A listener asks whether their parents should appeal an IRMAA surcharge—triggered by a one-time annuity payout—on the basis of loss of pension income.

(17:15) George asks how a serious health diagnosis may affect his Social Security strategy, including whether his wife should claim on her own record now and delay survivor benefits until he would have reached age 70.

(35:30) A listener shares a Venn Diagram PSA

38:15) The guys hear from someone who used spousal rights to roll his late wife’s Roth 401k into his own Roth IRA, and wants to know whether doing so reset the five-year clock on her previously qualified funds.

(54:00) Jim and Chris address whether the ERISA protections of 401k and 403b plans are reason enough to avoid rolling them into IRAs, and whether an umbrella insurance could offer additional Rollover IRA protections.

The post IRMAA, Social Security, Roth 5-Year Rule, Rollover IRA Protections: Q&A #2619 appeared first on The Retirement and IRA Show.

Transcript

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0:23.9	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.
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0:33.4	advisor.
0:38.5	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 IRA 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.
1:14.2	Just visit their website at Jimhelps.com.
1:17.8	That's Jim H-E-L-P-S.com.
1:20.2	And click the Meet the Team button on the homepage.
1:23.1	Now here's Jim and Chris with today's show.
1:32.2	Well, hello everybody and welcome to the Retirement and IRA show Q&A edition for this week.
1:36.6	I think we've got a pretty standard show lined up for you today.
	...

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