Social Security Filing, Roth 5-Year Rule, HSA Strategy, and Bond Principal: Q&A #2522

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 31 May 2025

⏱️ 76 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris answer listener questions on Social Security filing, a PSA on SSA’s online application process, the Roth 5-Year Rule, HSA strategy, and bond principal risk.

(8:00) A listener asks whether Social Security’s claim that delayed retirement credits aren’t applied until the end of the following year is accurate, and whether anyone receives them without persistent follow-up.

(29:15) The guys share a listener PSA with their experience applying for Social Security online and highlights the confusing communications around application status and approval timelines.

(18:15) George asks how and when to apply for Social Security if they want benefits to begin at age 70 and their birthday falls on the first of the month.

(35:45) Jim and Chris respond to a question about whether each Roth conversion has its own 5-year clock, even for someone over age 59½ with existing Roth IRAs.

(42:15) Georgette wonders how the Roth 5-Year Rule applies to non-spouse beneficiaries and whether it transfers from the original account holder.

(48:00) A listener shares their HSA strategy as a substitute for long-term care insurance, along with personal experience on how cafeteria plan deductions affected Social Security earnings.

(56:00) The guys explain whether bondholders risk losing principal at maturity when interest rates rise significantly.

The post Social Security Filing, Roth 5-Year Rule, HSA Strategy, and Bond Principal: Q&A #2522 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.
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0:11.9	All economic and performance information is historical in nature and is not indicative of any future results.
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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.
0:38.4	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.8	Join us as certified financial planner Jim Sonier, as well as Colorado State University
0:48.7	Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401k's, annuities,
0:56.1	Social Security, pension plans, and estate planning in a fun and enjoyable show.
1:01.3	Whether you are listening live in Colorado or streaming from their website or iTunes podcast,
1:06.7	Jim and Chris want you to know that they're available to help you plan for your retirement.
1:11.3	Just visit their website at Jimhelps.com.
1:14.4	That's Jim H-E-L-P-S.com.
1:18.0	And click the Meet the Team button on the homepage.
1:20.7	Now here's Jim and Chris with today's show.
1:26.2	Hello and welcome to the Retirement and IRA show Q&A edition.
1:30.3	It's the final Q&A show of May 2025.
1:34.3	This is going to be released to the public on the last day of May.
1:38.3	I'm only mentioning that because the day after May is the 1st of June, the day after May 31st, and that will be the
	...

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