IRMAA, Widow Status, Roth Conversions, Annuity RMDs, and Rollovers: Q&A #2538

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 20 September 2025

⏱️ 75 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris discuss listener questions on IRMAA reductions and Roth-conversion effects, widow filing status and IRMAA, in-kind stock Roth conversions and RMD transfers, annuity RMD interactions, and 60-day rollover mail timing.

(7:45) George asks whether an approved SSA Form 44 that reduced 2025 IRMAA will also govern next year, how a large 2026 Roth conversion will be trued up and affect future IRMAA brackets, and whether that conversion will cause higher IRMAA in multiple subsequent years.

(18:45) A listener wonders if a recently widowed spouse’s IRMAA in 2026 will reflect single status or remain based on the 2024 joint tax return.

(24:45) The guys ask whether in-kind stock Roth conversions change the stock’s tax basis inside a Roth and whether an in-kind RMD transfer to a brokerage establishes a stepped-up basis.

(49:45) Jim and Chris consider a hypothetical where an IRA annuity’s annual payout might be less than the RMD and what happens if the RMD exceeds the annuity payment.

(1:02:15) One listener argues that claiming a mailed check took longer than 60 days to arrive is implausible because USPS optical scans and Informed Delivery images could let the IRS verify delivery dates.

The post IRMAA, Widow Status, Roth Conversions, Annuity RMDs, and Rollovers: Q&A #2538 appeared first on The Retirement and IRA Show.

Transcript

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0:33.4	advisor.
0:38.4	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.7	Join us as certified financial planner Jim Sondier, as well as Colorado State
0:48.2	University Finance instructor and certified financial planner Chris Stein, teach you
0:52.8	about IRAs, 401ks's, annuities,
0:56.2	social security, pension plans, and estate planning in a fun and enjoyable show.
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1:06.8	Jim and Chris want you to know that they're available to help you plan for your retirement.
1:11.3	Just visit their website at Jimhelps.com.
1:14.5	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:20.7	Now here's Jim and Chris with today's show.
1:26.2	Well, hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week.
1:32.2	Got standard show lined up for you.
1:36.3	Jim gave me the heads up.
1:37.9	We're going to do a couple of Irma questions, which are not technically social security questions, but related in that
1:46.6	Social Security Administration administers the Medicare system, and Irma is part of the Medicare
1:52.9	system.
1:55.5	So that's, I think, where we're going to head at the beginning of the show, as opposed to
	...

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