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The Retirement and IRA Show

PSAs, Spousal Benefits, Annuity Use Cases, and FIAs: Q&A #2526

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

2.2673 Ratings

🗓️ 28 June 2025

⏱️ 90 minutes

🧾️ Download transcript

Summary

Jim and Chris shares listener PSAs on IRMAA and Delayed Retirement Credits, and answer questions on Social Security Spousal Benefits, annuity use cases, and fixed indexed annuity payout concerns. (13:00) A listener shares a PSA about a positive Medicare and IRMAA reduction experience at a Central Florida SSA office. (19:00) Georgette follows up with a […]

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.

0:29.6

Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor.

0:42.9

This is the retirement and IRA show coming to you from beautiful Northern Colorado.

0:48.5

Join us as certified financial planner Jim Sonier, as well as Colorado State University Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, annuities, social security,

0:56.9

pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live in

1:02.6

Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that

1:08.2

they're available to help you plan for your retirement.

1:13.9

Just visit their website at Jimhelps.com.

1:19.9

That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.

1:22.8

Now here's Jim and Chris with today's show.

1:32.2

Well, hello, everybody, and welcome to the Ret Retirement and IRA show Q&A edition for this week.

1:45.1

To you, it will seem like a normal timing of the show, but we're recording this just the day after we recorded the last EDIU show, since Jim's going to be on the road headed back to Ohio driving his fancy new truck and its little trailer full of contents for his new apartment

1:52.4

for his second residence, we'll call it. He's going to split time between Colorado and Ohio.

1:58.5

He's talked about that a lot on the show. So to accommodate

2:02.3

his travel schedule on the day we would normally record it, we're recording a little early. So

2:06.9

I'm only mentioning because it seems like we just did a recording because we just did one last

2:11.3

night. So for us, it's a little weird for you. It's going to come out with the same timing.

2:16.4

But thanks a lot for listening, Jim. Hopefully your preparation for you. It's going to come out with the same timing. But thanks a lot for listening,

2:18.4

Jim. Hopefully your preparation for travel is going pretty well. I know you had some hiccups

2:25.8

acquiring the trailer, but you now have said trailer and are, I believe, ready to go. And I hear

...

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