Medicare, Social Security, Inherited Roth, Annuities: Q&A #2607

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 14 February 2026

⏱️ 86 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris discuss listener emails on Medicare Part B decisions for retirees abroad, Social Security survivor benefit surprises, inherited Roth IRA distribution rules, and balancing Treasuries versus annuities when “safety” is more emotional than mathematical.

(6:45) A listener asks about situations where it might make sense to skip Medicare Part B, including retirees living abroad with strong foreign coverage and people who move to the U.S. later in life and must pay for Parts A and B.

(33:30) George asks why some widows and widowers don’t end up receiving the full benefit their spouse was receiving, even when the surviving spouse’s payment increases after the death.

(52:30) The guys respond to a question about whether an inherited Roth IRA requires annual distributions when the original owner was old enough to have RMDs, or whether the beneficiary can wait until year 10.

(1:11:00) Jim and Chris revisit the annuities versus Treasuries discussion through the lens of fear and peace of mind, including why someone might emotionally trust Treasuries more than insurer guarantees even if the math favors SPIAs.

The post Medicare, Social Security, Inherited Roth, Annuities: Q&A #2607 appeared first on The Retirement and IRA Show.

Transcript

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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.
0:23.7	Never make any investment or financial decisions based on information offered on this show
0:26.8	without first consulting your financial legal or tax advisor.
0:29.6	Financial planning services offered through Jim Solnier and Associates LLC, a registered investment
0:33.3	advisor.
0:38.3	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 in
1:02.7	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.
1:20.0	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:22.9	Now here's Jim and Chris with today's show.
1:31.8	Hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week.
1:36.7	Got, I think, a fairly typical show lined up for you today.
1:47.6	Not sure how many questions we're going to get through, but we'll do our best to serve you up a nice variety of questions today. I'm sure we'll have some Social Security related questions right off the bat and then we'll see whatever Jim pulls out of the bag.
1:53.2	And speaking to Jim, he's joining me today. He's, I believe, still in Florida.
2:03.1	I might be wrong.
2:06.8	I don't keep track of Jim's calendar as closely as I probably should.
2:10.5	But if he's still there, he's heading to Colorado shortly. And if he's here, he's enjoying them modestly some sunny weather we're having today still again in what appears to be
2:20.4	a season where we're not going to have winter in Colorado, which is nice on one hand, but very
	...

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