Social Security, Inheritance Strategy, SEP IRA Conversions: Q&A#2615

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 11 April 2026

⏱️ 85 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener emails on Social Security claiming strategies, financial education electives for a college student, a listener PSA on podcast word counts, inheritance planning, and SEP IRA conversions.

(11:15) A listener planning to delay Social Security to 70 asks whether proposed benefit caps should change that strategy. He also asks Chris for financial education course recommendations for his son at CSU.

(35:45) The guys address a question from someone who discovered SSA shows zero earnings on their work record for a year they actually worked, following an overpayment dispute, and whether submitting a W-2 can correct the record and trigger retroactive back pay.

(43:45) Jim and Chris share a PSA on podcast word counts, with a speaker-by-speaker breakdown to crown the King and Prince of Word Count.

(49:30) A listener wants to create four separate Roth IRA accounts, each with one of their four adult children named as beneficiary, with the idea that any lifetime gifts to that child come out of their future inherited share. They ask whether this approach is more complicated than it needs to be.

(1:09:30) George asks whether the money his son placed in a traditional SEP IRA can be converted to Roth, and how the IRS would treat it.

The post Social Security, Inheritance Strategy, SEP IRA Conversions: Q&A#2615 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.
0:38.4	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.8	Join us as certified financial planner Jim Sondier, as well as Colorado State
0:48.2	University Finance Instructor and Certified Financial Planner Chris Stein, teach you about IRAs, 401k's, annuities,
0:56.2	social security, pension plans, and estate planning in a fun and enjoyable show.
1:01.4	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 dot com, and click the Meet the Team button on the homepage.
1:20.7	Now here's Jim and Chris with today's show.
1:33.4	Well, hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week.
1:39.3	Had a quick chat with Jim right before we started to record here.
1:41.7	Sounds like we've got a pretty standard Q&A show.
1:49.4	I probably start out with a couple of Social Security questions and then move on from there.
1:56.6	I suspect we'll have at least one trust-related question since that's been a bit of an ongoing theme recently, but I'll let Jim share what his intentions are in that regard. I just know I'm
2:02.9	here to chime in whenever appropriate, and we'll go from there. So thanks all. Everybody for
2:11.3	listening and Jim, I'm glad you made it home safely to Colorado. He's back at the home base, if you will.
2:20.0	And excuse me, I'm sure, marveling at the moisture all about his property with everything
	...

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