Social Security, ERISA, Trusts: Q&A #2616

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 18 April 2026

⏱️ 67 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener emails on Social Security benefits for a family with a disabled adult child, survivor benefits, ERISA vs. non-ERISA 403(b) protections, a listener PSA on Monte Carlo simulations, special needs trusts, and how a revocable living trust handles a primary home transfer.

(5:00) A listener asks whether her husband’s early Social Security filing while still working would suspend her child-in-care benefits, and whether his benefit would be recalculated to his Full Retirement Age amount once the earnings limit no longer applies.

(20:20) George wonders whether survivor benefits for his wife would be based on his age-70 amount or her Full Retirement Age amount.

(25:15) Jim and Chris take a question about the differences between ERISA and non-ERISA 403(b) protections, and whether state IRA protections offer comparable coverage.

(39:45) The guys share a listener PSA pointing them to a recent Retirement Answer Man episode on Monte Carlo simulations.

(44:00) Georgette enquires which assets belong in a special needs trust and how to structure it tax-efficiently.

(54:45) A listener asks how a primary home transfers to children through a revocable living trust and what the selling process looks like.

The post Social Security, ERISA, Trusts: Q&A #2616 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.
0:43.3	This is the retirement and IRA show coming to you from beautiful Northern Colorado. Join us as certified financial planner Jim Sondier, as well as Colorado State University
0:49.3	Finance Instructor and Certified Financial Planner Chris Stein, teach you about IRAs, 401ks, annuities,
0:56.3	social security, pension plans, and estate planning in a fun and enjoyable show.
1:01.5	Whether you are listening live in Colorado or streaming from their website or iTunes podcast,
1:06.9	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.
1:14.6	That's Jim H-E-L-P-S.com.
1:18.1	And click the Meet the Team button on the homepage.
1:20.8	Now here's Jim and Chris with today's show.
1:26.6	Well, hello, everybody, and welcome to the Retirement and and IRA show Q&A edition for this week.
1:32.7	I think we have a pretty standard show getting set here.
1:37.4	Jim will be the one bringing the questions momentarily.
1:40.7	We'll probably limit the banter today because we've got a pretty tight timeline.
1:46.9	I've got a deadline here.
1:48.1	I've got another commitment.
1:50.5	So the show will be about an hour long.
1:52.6	But yeah, I'll bring Jim in.
	...

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