Social Security, PSA, Annuities, RMD Rules: Q&A #2534
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 23 August 2025
⏱️ 94 minutes
🧾️ Download transcript
Summary
Jim and Chris discuss listener questions on Social Security retroactive payments and delayed retirement credit timing, share a listener PSA on horse speed, and answer questions on fixed indexed annuity default credits, a living benefit rider with a proprietary index, and RMD rules for an inherited account.
(15:45) A listener asks if the lack of a prior formal application affects eligibility for retroactive spousal benefits following the GPO repeal.
(27:30) The guys address a question about how delayed retirement credits are calculated based on specific months and what to consider when not claiming exactly at full retirement age or 70.
(37:45) Georgette shares a PSA on an earlier episode’s horse speed discussion.
(44:00) A listener seeks clarification on how a fixed indexed annuity with withdrawal benefits might outperform a DIA, particularly how default credits and fees interact.
(1:07:30) Jim and Chris respond to a listener who shares details about their nationwide annuity with a living benefit rider, its performance, fees, and expected income stream.
(1:25:45) George asks whether RMD rules for an inherited account require a distribution in the year of his mother’s death, despite the Vanguard calculator indicating otherwise.
The post Social Security, PSA, Annuities, RMD Rules: Q&A #2534 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 |
| 0:23.2 | laws. |
| 0:23.7 | Never make any investment or financial decisions based on information offered on this show without |
| 0:27.0 | first consulting your financial legal or tax advisor. |
| 0:29.6 | Financial planning services offered through Jim Solnior and Associates LLC, a registered |
| 0:32.9 | investment advisor. |
| 0:38.2 | This is the retirement and IRA show coming to you from beautiful Northern Colorado. |
| 0:43.7 | Join us as certified financial planner Jim Sonier, as well as Colorado State University |
| 0:48.6 | Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401k's, annuities, social security, |
| 0:57.0 | pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live in |
| 1:02.7 | Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that they're |
| 1:08.5 | available to help you plan for your retirement. |
| 1:14.0 | Just visit their website at Jimhelps.com. |
| 1:17.6 | That's Jim H-E-L-P-S dot com. |
| 1:20.0 | And click the Meet the Team button on the homepage. |
| 1:22.9 | Now here's Jim and Chris with today's show. |
| 1:31.4 | Well, hello and welcome to the Retirement and IRA show, Q&A edition for this week. |
| 1:37.2 | I've got, I believe, to be a fairly standard Q&A show for you today. |
| 1:45.6 | We'll start with one or two social security questions and then get into some other stuff. I know that we've got kind of a buildup of annuity questions. So we'll make an effort, I'm sure, to answer at least |
| 1:53.7 | one annuity-based question to start diving through that. It's kind of a, the lingering hangover |
| 1:59.9 | from June, which June every year is |
| 2:02.8 | most of you realize, if you're a long time listener, is National Annuity Awareness Month. So we |
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