Social Security, Spendthrift Trust, Living Trust: Q&A #2613
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 28 March 2026
⏱️ 87 minutes
🧾️ Download transcript
Summary
Jim and Chris discuss listener emails on Social Security timing, whether you can “leave” your Social Security benefit to a spouse who doesn’t independently qualify, having a spendthrift trust purchase an annuity, and using a revocable living trust to manage aging parents’ complex financial affairs.
(13:15) A listener born in November asks what their Social Security benefit would be if they begin claiming now, before full retirement age, while still earning $100,000, and when the earnings penalty would lift.
(25:15) Jim and Chris field a question on whether you can “leave” your Social Security benefit to a spouse who does not independently qualify for Social Security.
(34:00) George asks how to structure his estate so that one child receives an inheritance in installments over 20 years rather than as a lump sum, and whether a trust purchasing an annuity could accomplish that goal.
(1:11:30) The guys hear from a listener who explains how being added as co-trustee on his aging parents’ revocable living trust resolved the recurring problem of financial institutions refusing to honor their power of attorney.
The post Social Security, Spendthrift Trust, Living Trust: Q&A #2613 appeared first on The Retirement and IRA Show.
Transcript
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| 0:27.0 | without first consulting your financial legal or tax advisor. |
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| 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 |
| 0:49.3 | 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. |
| 1:01.3 | Whether you are listening live in Colorado or streaming from their website or iTunes podcast, |
| 1:06.7 | Jim and Chris want you to know that they're available to help you plan for your retirement. |
| 1:11.2 | Just visit their website at Jimhelps.com. |
| 1:14.4 | That's Jim H-E-L-P-S.com. |
| 1:17.9 | And click the Meet the Team button on the homepage. |
| 1:20.6 | Now here's Jim and Chris with today's show. |
| 1:31.6 | Hello, welcome to the Retirement and IRA show. |
| 1:33.7 | My name is Chris. |
| 1:35.0 | I'll have Jim on in a minute here. |
| 1:39.5 | Today's show, I think, has been pretty typical in one regard because we're going to do a couple of Social Security-related questions to start with, |
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