Social Security, Account Consolidation, and MYGA Selection: Q&A #2537

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 13 September 2025

⏱️ 95 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss a listener PSA on WEP treatment for foreign pensions, followed by questions on Social Security strategies, benefit calculators, account consolidation, and MYGA selection.
(13:00) Georgette shares a PSA on how a lump-sum superannuation payout impacted WEP treatment under the POMs rule and led to a successful Social Security appeal.
(21:45) George outlines his family’s situation and asks if claiming Social Security now is the best strategy to activate child-in-care and DAC benefits.
(36:15) A listener asks which online calculator Chris previously recommended to determine the taxable portion of Social Security benefits.
(38:45) The guys address a question about whether the SSA benefit estimates shown at FRA and age 70 include COLA adjustments.
(43:30) Jim and Chris respond to a question about how different retirement plan components might be treated when considering account consolidation.
(56:00) A listener asks what criteria to use in MYGA selection, including how to evaluate insurers and what the minimum AM Best rating should be.

The post Social Security, Account Consolidation, and MYGA Selection: Q&A #2537 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
0:26.9	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
0:33.4	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.
1:27.0	Hello everybody and welcome to the Retirement and IRA show Q&A edition for this week.
1:32.6	We've got Jim joining me.
1:34.5	So he's back after being absent on the last EDU show.
1:39.1	But he's joining me from his – we haven't come up with an official name of your Ohio location.
1:49.0	Wasn't it the eastern region?
1:53.6	Maybe we did come up with the name and I'm just forgetting it.
1:55.8	But in any case, Jim's back in Ohio currently.
	...

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