Social Security Benefits, Roth Conversions, and Annuities: Q&A #2512
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 22 March 2025
⏱️ 75 minutes
🧾️ Download transcript
Summary
Jim and Chris discuss listener questions relating to Social Security strategies, spousal benefits, Roth conversions, and annuities.
(8:15) George asks whether a widow who was widowed before age 60 has two Social Security claiming strategies available based on the FRA benefit of each spouse.
(20:30) The guys address a question about how spousal benefits are calculated when one spouse took Social Security early and the other has a PERA pension.
(29:30) Georgette wonders how she and her husband should approach Roth conversions given their $4 million in IRAs, her larger balance, and concerns about future RMDs and legacy planning.
(1:03:30) Jim and Chris provide guidance on whether to use current or future spending when purchasing a SPIA to cover base expenses and how laddering might play a role.
The post Social Security Benefits, Roth Conversions, and Annuities: Q&A #2512 appeared first on The Retirement and IRA Show.
Transcript
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| 0:33.3 | advisor. |
| 0:38.3 | This is the retirement and IRA show coming to you from beautiful Northern Colorado. |
| 0:43.7 | Join us as certified financial planner Jim Sonier, as well as Colorado State University |
| 0:48.6 | Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401Ks, annuities, social security, |
| 0:57.0 | pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live |
| 1:02.6 | in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that |
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| 1:22.9 | Now here's Jim and Chris with today's show. Well, hello and welcome to the Retirement and IRA show Q&A edition for this week. |
| 1:36.0 | I'm excited to be with you today. |
| 1:38.6 | Not sure why. |
| 1:39.7 | Just looking forward to today's show, I guess. |
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