Social Security, Annuities, Roth and Roth TSP 5-Year Rule: Q&A # 2528

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 12 July 2025

⏱️ 81 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris answer listener questions on Social Security filing and its effect on HSA eligibility, Social Security means testing, the timing of annuity purchases in IRAs, the Roth and Roth TSP 5-year rule.
(7:30) Georgette asks whether the six-month Medicare Part A lookback is triggered by her husband’s Social Security application date or benefit eligibility date, and how that affects HSA contributions.
(22:45) A listener worries about possible future Social Security means testing for those who are past full retirement age but not yet claiming.
(36:30) George questions whether buying a Fixed Indexed Annuity inside an IRA is problematic if RMDs begin before maturity and whether turning on a living benefit might help him spend more.
(56:00) Jim and Chris weight in on an office debate on the Roth conversion 5-year rule.
(1:05:55) The guys clarify the Roth TSP 5-year rule and whether the clock resets when transferring to a new Roth IRA.

The post Social Security, Annuities, Roth and Roth TSP 5-Year Rule: Q&A # 2528 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.
0:24.0	Never make any investment or financial decisions based on information offered on this show
0:27.1	without first consulting your financial legal or tax advisor.
0:29.9	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.
0:43.9	Join us as certified financial planner Jim Salnier, as well as Colorado State University
0:48.8	Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401k's, annuities,
0:56.2	social security, pension plans, and estate planning in a fun and enjoyable show.
1:01.4	Whether you are listening live in Colorado or streaming from their website or iTunes podcast,
1:06.8	Jim and Chris want you to know that they're available to help you plan for your retirement.
1:11.4	Just visit their website at Jimhelps.com.
1:14.5	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.
1:25.9	Hello and welcome to the Retirement and IRA show Q&A edition for this week.
1:31.8	Got a nice, uh, toasty Friday afternoon as we record this in Colorado.
1:38.4	The day was made even toastier by Jim's insistence that we move about 14 tons of waste material out of the basement of our office into his dump trailer.
1:50.6	But luckily that job is now done. So hopefully that won't come around again anytime soon.
1:56.7	Just a little insight as to the exciting things that we sometimes do at the office here.
2:02.9	I will point out that somehow Jake, who was here this week, escaped back to Chicago safely,
2:10.6	although I think it took him a while.
2:11.9	I heard his flight got canceled, so he was still traveling as of today, according to Joe.
2:16.9	No kidding, and I didn't hear that. Seriously?
	...

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