Ohio, Medicare, Social Security, Roth 401k, and Annuities: Q&A #2531

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 2 August 2025

⏱️ 119 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss Jim’s relocation experience to Ohio, a listener PSA on Medicare, questions about Social Security payment timing and divorce eligibility, Roth 401k withdrawals under the rule of 55, and close with an annuity comparison answer so long it practically qualifies as a mini EDU.

(17:00) A listener PSA reminds others that Medicare Part A only covers hospital costs and that Parts B, C, and D must still be actively enrolled in.

(24:30) A listener asks whether it’s normal for his Social Security payment date—initially based on spousal benefits—to remain the same after switching to his own record.

(31:45) Georgette asks what Social Security benefits she might be eligible for after divorce, given she’s receiving Disability and will have been married 11 years.

(39:15) Jim and Chris offer clarity on how the rule of 55 applies to Roth 401k withdrawals and confirm whether earnings would be taxable before age 59½.

(55:30) George asks whether it’s better to use a fixed indexed annuity (FIA) with living benefits or a deferred income annuity (DIA); the guys break it down in an extended segment that might even earn you CPE credit.

The post Ohio, Medicare, Social Security, Roth 401k, and Annuities: Q&A #2531 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.
0:23.8	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.
0:29.7	Financial planning services offered through Jim Solnior 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.
0:43.8	Join us as certified financial planner Jim Sonier, as well as Colorado State University
0:48.7	Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401k's, annuities,
0:56.1	social security, pension plans, and estate planning in a fun and enjoyable show. Whether you are
1:01.9	listening live in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to
1:07.9	know that they're available to help you plan for your retirement.
1:14.0	Just visit their website at Jimhelps.com.
1:20.1	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:23.0	Now here's Jim and Chris with today's show.
1:31.1	Well, hello and everybody, and welcome to the Retirement and IRA show Q&A edition for this week.
1:40.2	Jim, let me know. He's got a nice batch of questions all queued up. He's joining me on the recording from his likely future retirement location out in Ohio.
1:45.7	But I think we've got the technology all working very smoothly.
1:49.4	And we should be able to pull off the podcast without a hitch here.
1:54.7	So my understanding is it's a fairly standard Q&A show today.
1:59.0	Got a few follow-up questions.
2:00.9	People have sent in some questions about a couple previous shows.
2:04.6	And as usual, we'll have at least a couple social security-based questions right up front here.
	...

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