Social Security, IRMAA Taxation, 529 Rollover, Deferred Annuities: Q&A #2544

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 1 November 2025

⏱️ 94 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris discuss listener questions on Social Security COLA timing, spousal claiming strategy, IRMAA tax treatment, Roth IRA rollovers from 529 plans, and a listener PSA on deferred annuity RMD rules.

(8:00) Georgette asks whether her initial Social Security benefit—approved in September for a December start—will reflect the January COLA increase.

(15:30) A listener with similar PIAs and ages to their spouse asks whether it makes sense for one to claim early and the other to delay until 70.

(30:30) George shares his realization that the IRMAA surcharge appears to be included in the SSA-1099’s taxable benefit amount, and calls it out in a PSA.

(50:30) The guys respond to George’s question about whether a $5,000 rollover from a 529 to a Roth IRA will be treated entirely as contributions for tax-free early withdrawal.

(1:08:00) Jim and Chris address Peter’s PSA about calculating RMDs when comparing DIAs and FIAs with GLWBs for a future income stream starting at age 75.

The post Social Security, IRMAA Taxation, 529 Rollover, Deferred Annuities: Q&A #2544 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.
0:23.9	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 advisor.
0:43.3	This is the retirement and IRA show coming to you from beautiful Northern Colorado. Join us as certified financial planner Jim Sondier, as well as Colorado State University
0:48.3	Finance Instructor and Certified Financial Planner Chris Stein, teach you about IRAs, 401ks, annuities,
0:56.3	social security, pension plans, and estate planning in a fun and enjoyable show.
1:01.5	Whether you are listening live in Colorado or streaming from their website or iTunes podcast,
1:06.8	Jim and Chris want you to know that they're available to help you plan for your retirement.
1:11.4	Just visit their website at Jimhelps.com.
1:14.6	That's Jim H-E-L-P-S.com.
1:18.1	And click the Meet the Team button on the homepage.
1:20.9	Now here's Jim and Chris with today's show.
1:29.1	Hello, everybody.
1:33.8	Welcome to the Retirement and IRA show Q&A edition for this week.
1:37.7	Thanks for tuning in to this week's podcast.
1:42.8	I've got a, I don't know if it's a slew of questions.
1:45.3	We have a variety of questions, I guess.
1:49.6	A slew to me implies a tremendous number.
1:54.3	So I wouldn't say we ever go through a tremendous number of questions on the show.
1:58.3	As those of you who've listened for any length of time,
2:02.9	realize we try not to just live surface-level answers to our questions, but dig in a little bit deeper than you'll find on a typical podcast. One of the reasons
	...

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