Social Security, Risk Philosophy, Fraternal Benefit Societies, Roth Conversions: Q&A #2535

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 30 August 2025

⏱️ 88 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener questions on Social Security timing rules, retroactive benefits for an ex-spouse, investment strategy philosophy, fraternal benefit societies, and Roth conversions.
(6:30) The guys address a listener’s question about whether applying for Social Security at 70 requires enrolling in Part B or if retroactive filing is an option without losing payments.
(16:00) A listener asks why their 75-year-old father was denied six months of retroactive spousal benefits while a widowed friend who applied at the same time received them.
(33:30) Jim and Chris respond to a listener who questions the “You won the game, why take the risk” from a previous episode and asks whether a high-equity portfolio still makes sense.
(53:00) The guys respond to a listener’s email about fraternal benefit societies that operates outside guaranty associations.
(1:12:00) Georgette asks whether converting to a Roth and then spending from it makes more sense than other withdrawal options.

The post Social Security, Risk Philosophy, Fraternal Benefit Societies, Roth Conversions: Q&A #2535 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
0:26.8	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 Sonier, as well as Colorado State University
0:48.7	Finance instructor and certified financial planner Chris Stein teach you about IRAs, 401k's, annuities,
0:56.1	social security, pension plans, and estate planning in a fun and enjoyable show. Whether you are
1:01.9	listening live in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to
1:07.9	know that they're available to help you plan for your retirement.
1:14.1	Just visit their website at Jimhelps.com.
1:20.1	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:23.0	Now here's Jim and Chris with today's show.
1:31.5	Hello and welcome everybody to the Retirement and I IRA show Q&A edition for this week.
1:37.7	Enjoying a nice cool morning here in Colorado as we record this.
1:41.7	I promise we won't talk too much about the weather in this show, though.
1:45.0	Pretty standard Q&A show coming up today.
1:49.7	Got I'm sure a couple of Social Security-based questions and then a variety of other things that Jim's going to bring to the show.
1:55.3	Nothing super exciting happening on my end other than schools back in session.
2:03.3	So classes have started at Colorado State University. Once universities around the country are in the same situation.
2:11.4	College football, I think, has got a new form of excitement. I personally don't like the new mobility of players that have been bought aspect of it.
	...

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