Social Security, Roth Conversions, RMD Calculations: Q&A #2540

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 4 October 2025

⏱️ 80 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris discuss listener questions on Social Security spousal benefits, a listener PSA on IRMAA repayment silence, IRMAA reduction eligibility and planning considerations, and a PSA on how 60-day rollover Roth conversions affect year-end RMD calculations.
(7:45) A listener points out a possible error from a recent episode and looks for clarification whether delaying benefits past full retirement age increases spousal benefits.
(19:15) George shares a PSA about his ongoing wait for clarity regarding IRMAA repayment adjustments from 2021 and 2022.
(28:30) Jim and Chris respond to a listener wondering whether their limited consulting income and work stoppage qualify for IRMAA relief, and what documentation would be needed. The listener also seeks feedback on using a late-year Roth conversion to create a flexible cash flow account for future planning.
(1:01:00) The guys share a PSA-ish “question” on the nuanced issue around year-end Roth conversions and RMD calculations—specifically, whether funds moved via a 60-day rollover for conversion purposes need to be added back into the December 31 IRA balance when determining required minimum distributions.

The post Social Security, Roth Conversions, RMD Calculations: Q&A #2540 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
0:26.9	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.
0:38.2	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.6	Join us as certified financial planner Jim Sondier, as well as Colorado State University
0:48.6	Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, 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
1:08.2	they're available to help you plan for your retirement.
1:13.9	Just visit their website at Jimhelps.com.
1:17.5	That's Jim H-E-L-P-S.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. Hello, everybody, and welcome to the Retirement IRA show Q&A edition.
1:33.2	This week on tap, we've got a pretty standard Q&A show.
1:38.4	So that generally involves a couple of Social Security related questions.
1:43.3	Could be Social Security retirement benefits or the social security adjacent topics,
1:51.1	survivor benefits, sometimes some disability questions, and Irma, Medicare,
1:57.9	kind of all are wrapped into this wonderful world of the Social Security Administration.
2:02.7	But we'll have a couple of those, I'm sure, and then dive into some varied email topics based upon what you all have sent into us.
2:12.2	So if you're interested in sending in your own questions, I'll let you know right now.
	...

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