Social Security, Inherited Roth, and IRMAA: Q&A #2533
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 16 August 2025
⏱️ 76 minutes
🧾️ Download transcript
Summary
Jim and Chris discuss listener questions on Social Security spousal benefits, filing logistics and spousal eligibility with a disabled child, an inherited Roth IRA, and IRMAA concerns.
(14:30) A listener asks why his spouse’s Social Security spousal benefit is less than half of his primary benefit amount.
(21:45) George asks about the process and documentation needed when filing for Social Security benefits that will also increase payments for his spouse and disabled adult son, and about eligibility for a spousal benefit while delaying his own claim.
(40:30) The guys review a ChatGPT summary of Inherited Roth rules and whether there are RMDs for a non-spouse beneficiary that inherited in 2023.
(1:03:30) Jim and Chris address a question about an IRMAA increase caused by a lump-sum Social Security payment.
The post Social Security, Inherited Roth, and IRMAA: Q&A #2533 appeared first on The Retirement and IRA Show.
Transcript
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| 0:48.7 | Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, annuities, social |
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| 1:23.0 | Now here's Jim and Chris with today's show. |
| 1:31.6 | Well, hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week. |
| 1:37.7 | I think we've got a pretty standard Q&A show set to go for you today. |
| 1:47.3 | Start with a question or two on Social Security and then a variety of topics, whatever, uh, kind of attracts Jim's attention in his email box. |
| 1:50.1 | That said, uh, the reason why he's looking through his email is that is how to submit |
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