Social Security,Estate Planning PSA, Annuity Payments: Q&A #2546

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 15 November 2025

⏱️ 79 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener questions on Social Security claiming timing with a listener PSA on application details, Social Security earnings rules at FRA, estate planning organization systems, and restrictions for annuity payments.

(15:30) Georgette shares a PSA about the Social Security application process and asks whether applying for benefits to start the month she turns 70 ensures she receives all delayed credits.

(30:00) A listener asks how the earnings test applies in the months before full retirement age, what the 2026 limits are, and whether six months of retroactive benefits can be claimed at FRA without triggering the income test.

(43:15) The guys share a listener’s PSA on preparing the non-planner spouse, concerns about health-care constraints, and using an organizational system so a trusted friend can help without sharing passwords in advance.

(1:04:30) Jim and Chris discuss an annuity owner’s difficulty getting IRA annuity payments direct-deposited when the receiving account is titled in a Trust and ask how to address name–titled account mismatches.

The post Social Security,Estate Planning PSA, Annuity Payments: Q&A #2546 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.
0:06.8	All information is believed to be from reliable sources, however, we make no representation as to its completeness or accuracy.
0:11.9	All economic and performance information is historical in nature and is not indicative of any future results.
0:16.4	Any indices mentioned on the show are unmanaged and cannot be invested indirectly.
0:19.8	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
0:26.7	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 advisor.
0:42.9	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:48.5	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,
0:56.9	pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live in
1:02.6	Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that
1:08.2	they're available to help you plan for your retirement.
1:13.9	Just visit their website at Jimhelps.com.
1:17.5	That's Jim H-E-L-P-S dot com.
1:19.9	And click the Meet the Team button on the homepage.
1:22.8	Now here's Jim and Chris with today's show.
1:32.6	Hello everybody and welcome to the Retirement and IRA show Q&A edition for this week.
1:36.8	We've got Jim back on the show with us today.
1:47.2	He's been gone the last couple of shows, but I have intentionally not asked him about his elk hunting excursion.
1:53.5	He also spent some time in Austin at a conference.
1:55.0	I haven't heard about that either.
	...

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