Social Security Benefits, IRMAA, and QCD Timing: Q&A #2517
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 26 April 2025
⏱️ 66 minutes
🧾️ Download transcript
Summary
Jim and Chris discuss listener questions relating to Social Security spousal benefits, IRMAA relief, suspending Social Security for tax planning, and QCD timing with RMDs.
(3:00) A listener enquires whether her 85-year-old mother, who recently remarried, must remain on her ex-spouse’s record for one year before switching to spousal benefits on her new husband’s record.
(12:15) The guys address what happens if you file form SSA-44 for IRMAA relief but end up in a higher income tier than estimated.
(23:30) George asks to revisit a previous question about if suspending Social Security could allow for more Roth conversions and tax savings.
(34:30) Jim and Chris respond to a listener who challenges whether QCDs must be taken before RMDs.
Show Notes: QCD Timing Article by Lord Abbet
The post Social Security Benefits, IRMAA, and QCD Timing: Q&A #2517 appeared first on The Retirement and IRA Show.
Transcript
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| 0:42.8 | This is the retirement and IRA show coming to you from beautiful Northern Colorado. |
| 0:48.4 | 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, |
| 0:56.8 | pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live |
| 1:02.3 | in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that |
| 1:08.1 | they're available to help you plan for your retirement. |
| 1:13.8 | Just visit their website at Jimhelps.com. |
| 1:19.8 | That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage. |
| 1:22.7 | Now here's Jim and Chris with today's show. |
| 1:30.8 | Well, hello and welcome to the Retirement and IRA show Q&A edition for this week. |
| 1:33.9 | Oh, excuse me, a little frog in my throat right off the bat here. |
| 1:43.0 | I'm going to keep my intro relatively short because we've got just an hour to record today as many questions as we can get to. |
| 1:48.6 | And so, yeah, I don't have a lot to say. |
| 1:52.6 | If you're new to the show, you all send us in questions and we do our best to answer them, |
| 1:57.2 | at least on this version of the show. We also do an EDU show where we pick the topic and dive a bit deeper into a narrower set of items in any given show. |
... |
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