Social Security, Pension Buyouts, and Managed Payout Funds: Q&A #2527

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 5 July 2025

⏱️ 73 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris answer listener questions on Social Security family maximum rules, spousal and disabled child benefits, defined benefit pension concerns, and 401k managed payout funds.
(7:45) A listener is trying to understand how the Family Maximum Benefit might reduce the amounts paid to his spouse and disabled adult child once he claims his own retirement benefit.
(16:45) Jim and Chris respond to a listener who has a disabled son and is planning to claim a spousal benefit based on his wife’s record. He asks how the family maximum could affect his son’s eligibility for SSDI and future Medicare access.
(30:00) George asks for input on whether to take monthly payments or a lump sum from his pension weighing the potential risks if the company eventually transfers the pension to an insurance company.
(49:00) The guys address a question about a “Managed Payout” fund offered in a 401(k) plan and whether this might be a good way to generate retirement cash flow compared to annuities.

The post Social Security, Pension Buyouts, and Managed Payout Funds: Q&A #2527 appeared first on The Retirement and IRA Show.

Transcript

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0:26.9	without first consulting your financial legal or tax advisor.
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0:33.4	advisor.
0:38.5	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.9	Join us as certified financial planner Jim Sondier, as well as Colorado State University
0:48.8	Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, annuities,
0:56.2	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.
1:14.5	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:20.8	Now here's Jim and Chris with today's show.
1:26.1	Well, hello, everybody, and welcome to another episode of The Retirement and IRA Show.
1:32.6	Q&A edition is where we're at today.
1:35.8	We're recording this in preparation for release immediately after the 4th July.
	...

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