Social Security, HSA Held Annuities, IRA Annuities: Q&A #2541

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 11 October 2025

⏱️ 83 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris discuss a listener PSA on estimating early retirement benefits, followed by questions on Social Security benefit calculations and reductions, HSA held annuities, and IRA annuity pro rata rule application.
(14:45) George shares a PSA explaining how to input future earnings on the SSA site to better estimate early retirement benefits.
(25:15) A listener asks whether their benefit is funded by the Social Security trust fund and how to estimate their benefit if the trust fund becomes depleted.
(37:30) The guys respond to a question about a survivor benefit reduction due to a government pension and whether this reflects an error based on the GPO elimination.
(42:00) Jim and Chris weigh-in on the pros and cons of HSA held annuities to generate secure income.
(55:00) A listener wants to know how the pro rata rule applies when holding both an annuity inside an IRA and in a separate Roth IRA.

The post Social Security, HSA Held Annuities, IRA Annuities: Q&A #2541 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
0:26.8	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 advisor.
0:43.0	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:49.1	Join us as certified financial planner Jim Sondier, 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
1:02.5	in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know
1:08.0	that 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.
1:22.9	Now here's Jim and Chris with today's show.
1:32.4	Hello everybody and welcome to the Retirement and IRA show Q&A edition for this week.
1:39.5	It's a cloudy fall day in Colorado as we record this.
1:44.0	I'm personally looking forward to my family coming home. They've been gone for a week to a wedding in
1:47.7	Montana, so it's been super quiet around my house the last week, which is a little odd because,
1:54.1	as many of you know, I've got a family of a wife and six kids. Only one child still lives at the house technically, but all but one child still lives in town, so they're over here a lot.
	...

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