Social Security, HSA Strategy, and Cost Basis: Q&A #2520

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 17 May 2025

⏱️ 77 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

With Jim away at a conference, Chris is joined by Jake and Jacob to answer listener questions on child-in-care spousal benefits, the Earnings Test, HSA strategy, reconstructing cost basis, and Social Security timing concerns.

(6:00) A listener asks whether reaching full retirement age makes him ineligible for child-in-care spousal benefits, and what steps he can take to appeal the denial.

(21:30) George questions whether excess earnings prevent payment of family Social Security benefits when the worker’s own benefit is offset

(34:00) The guys address how inheritance and medical spending may influence HSA strategy and if it’s possible to overfund an HSA.

(50:00) “Chris and the Jacobs” respond to a couple trying to reconstruct the cost basis of mutual funds purchased in the 1980s without access to their records.

(1:02:15) Georgette wonders if divorce should be considered while deciding when a lower-earning spouse should claim Social Security, as well as whether pre-tax 401(k) contributions reduce reported earnings for benefit calculations.

The post Social Security, HSA Strategy, and Cost Basis: Q&A #2520 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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0:12.1	All economic and performance information is historical in nature and is not indicative of any future results.
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0:20.0	Diversification and asset allocation strategies do not assure profit or protect against loss.
0:23.9	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.
0:29.8	Financial planning services offered through Jim Solnior and Associates LLC, a registered investment
0:33.4	advisor.
0:38.8	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:44.2	Join us as certified financial planner Jim Sonier, as well as Colorado State University
0:49.1	Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, annuities,
0:56.6	Social Security, pension plans, and estate planning in a fun and enjoyable show.
1:01.8	Whether you are listening live in Colorado or streaming from their website or iTunes podcast,
1:07.1	Jim and Chris want you to know that they're available to help you plan for your retirement.
1:11.7	Just visit their website at Jimhelps.com.
1:14.8	That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage.
1:21.1	Now here's Jim and Chris with today's show.
1:27.3	Hello and welcome to the Retirement and IRA show Q&A edition for this week.
1:32.7	Got a little different show today in that Jim's not with us.
1:37.3	Jim is in the midst of some travels.
1:39.2	He's headed to Atlanta, I believe for an edge slot training.
	...

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