Social Security, Deemed Military Wages, Estate Planning, QLACs: Q&A #2601

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 3 January 2026

⏱️ 104 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener emails on Social Security claiming strategies, deemed military wages, and survivor benefits timing, a PSA from Jim and Chris on their New Year’s resolution, and QLAC use for inherited IRAs.

(11:00) A listener asks whether a spouse who will be collecting spousal benefits should ever delay claiming past full retirement age and also asks for retirement drawdown calculator recommendations.

(24:30) George asks how veterans can verify that deemed military wages were credited correctly to their Social Security earnings record.

(36:00) The guys address whether a surviving spouse can keep both Social Security checks after a spouse dies after being given conflicting answers from the Social Security Administration.

(45:00) Jim and Chris share a PSA on their New Year’s resolution relating to estate planning.

(1:02:45) A listener asks whether an inherited IRA can be used to purchase a QLAC with payments starting at age 84.

The post Social Security, Deemed Military Wages, Estate Planning, QLACs: Q&A #2601 appeared first on The Retirement and IRA Show.

Transcript

Click on a timestamp to play from that location

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.
0:23.7	Never make any investment or financial decisions based on information offered on this show
0:26.8	without first consulting your financial legal or tax advisor.
0:29.6	Financial planning services offered through Jim Solnior and Associates LLC, a registered investment
0:33.3	advisor.
0:38.2	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.7	Join us as certified financial planner Jim Sondier, as well as Colorado State
0:48.1	University Finance Instructor and Certified Financial Planner Chris Stein, teach you about IRAs, 401k's, annuities, social security,
0:57.0	pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live in
1:02.7	Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that they're
1:08.5	available to help you plan for your retirement.
1:14.0	Just visit their website at Jimhelps.com.
1:20.0	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:22.9	Now here's Jim and Chris with today's show.
1:31.0	Hello, everybody, and welcome to the Retirement and IRA show, Q&A edition.
1:33.0	Happy New Year.
1:34.7	Welcome to 2026.
1:39.5	This is, in fact, the first show to be released in 2026.
1:47.4	So, season 26, episode one of the Q&A show, for those of you monitor that sort of thing.
1:52.0	I think we have a pretty straightforward show on Tap for today.
1:56.2	We have always a bag full of questions.
2:05.6	What exactly the topics are is controlled by Jim, the recipient or the collector of said questions.
	...

Please login to see the full transcript.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Jim Saulnier, CFP® & Chris Stein, CFP®, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Jim Saulnier, CFP® & Chris Stein, CFP® and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.