Social Security, SPIAs, SEPP 72(t): Q&A #2605

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 31 January 2026

⏱️ 96 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris discuss listener emails on Social Security timing for HSA contributions, investing in a SPIA vs buffered ETFs, and using SEPP 72(t) income to manage ACA credits.
(7:00) A listener describes delaying a Social Security filing to avoid Medicare Part A backdating that would have reduced prior-year HSA contributions, while still receiving full retroactive benefits.
(28:00) Georgette asks what to do with money originally set aside for a condo purchase, weighing ETFs against buying a single premium immediate annuity (SPIA), given an existing fixed indexed annuity (FIA), and pension income that cover living expenses.
(55:45) The guys address whether a SPIA purchased inside a rollover IRA can be used to satisfy SEPP 72(t) rules while keeping income low enough to preserve max ACA credits.

The post Social Security, SPIAs, SEPP 72(t): Q&A #2605 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.
0:23.9	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 advisor.
0:39.6	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:45.1	Join us as certified financial planner Jim Sonier, as well as Colorado State University
0:50.0	finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks,
0:56.5	annuities, social security, pension plans, and estate planning in a fun and enjoyable show.
1:02.6	Whether you are listening live in Colorado or streaming from their website or iTunes podcast,
1:08.0	Jim and Chris want you to know that they're available to help you plan for your retirement.
1:12.6	Just visit their website at Jimhelps.com.
1:15.7	That's Jim H-E-L-P-S.com and click the Meet the Team button on the homepage.
1:22.0	Now here's Jim and Chris with today's show.
1:27.9	Hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week.
1:33.8	Jim, in our quick conversation before the recording, promised that this is going to be an interesting
1:40.3	show because we have some questions that we on topics we don't normally talk
1:45.7	about which she didn't get any deeper than that so it'll be a surprise to me as well but
1:50.4	I'm I'm more excited than normal I guess to to hear what the questions are on today's show
1:59.0	other than that I think pretty typical show we got some questions you've sent in the to hear what the questions are on today's show.
2:03.1	Other than that, I think pretty typical show.
2:04.8	We got some questions you've sent in.
2:08.5	These are all, I believe, listener questions that have come in.
	...

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