Social Security, 5-year Rule, Conduit Trusts, Inherited IRAs: Q&A #2614

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 4 April 2026

⏱️ 90 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener emails on Social Security claiming strategies, IRMAA income adjustments, a listener PSA on the Roth five-year rule, conduit trusts for minor IRA beneficiaries and I-Bond tax reporting, and an inherited IRA passing through a trust.

(10:30) George asks about the Social Security “January Rule” and whether claiming in December 2027 or January 2028 would capture the most delayed retirement credits after reaching full retirement age in May 2027.

(21:00) A listener who retired early and has been performing Roth conversions asks whether he can also file an SSA-44 based on his wife’s upcoming reduction in work income, even though his conversions have been elevating their household MAGI.

(31:00) The guys review a listener PSA clarifying that the fifth year of the Roth five-year rule must be completed entirely—not merely begun—before the holding period is satisfied.

(39:45) Jim and Chris take a two-part question on how conduit trusts handle IRA distributions inherited by minor children, and whether the annual interest-reporting election used for EE bonds can also apply to I-Bonds.

(1:06:00) A listener whose father-in-law named a trust as the IRA beneficiary — rather than the daughters directly — is getting conflicting advice on whether the IRA funds must be taken immediately or if they can spread the distributions — and the taxes — over five years.

The post Social Security, 5-year Rule, Conduit Trusts, Inherited IRAs: Q&A #2614 appeared first on The Retirement and IRA Show.

Transcript

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0:23.7	Never make any investment or financial decisions based on information offered on this show
0:26.7	without first consulting your financial legal or tax advisor.
0:29.5	Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor.
0:38.4	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.8	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 about
0:53.1	IRAs, 401ks, annuities,
0:56.1	social security, pension plans, and estate planning in a fun and enjoyable show.
1:01.3	Whether you are listening live in Colorado or streaming from their website or iTunes podcast,
1:06.7	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.
1:14.4	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	Hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week.
1:32.4	We've got on the docket, if you will.
1:38.2	I'm sure we've got some Social Security-related questions up front,
1:41.5	and then we're going to get back into a few more trust related
	...

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