Tax Filing, HSAs, I Bonds, RMDs, Roth Conversions: Q&A #2611
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 14 March 2026
⏱️ 66 minutes
🧾️ Download transcript
Summary
Chris is joined by Jake Turner to discuss listener emails on tax filing for mega backdoor Roth contributions, use of HSA funds, I Bonds redemption timing, lowering RMD pressure, and Roth conversions.
(6:30) George asks whether leaving a 1099-R off a return after after-tax 401(k) money was immediately converted to Roth means an amended return is needed or whether the IRS will simply follow up.
(12:15) A listener asks whether HSA funds can be used pre-tax to pay fully self-funded health insurance premiums.
(17:30) The guys are asked how to evaluate redeeming high fixed-rate I Bonds over several years versus waiting until maturity and risking a large one-year tax bill and IRMAA hit.
(30:45) Chris and Jake hear from a widowed listener looking for ways to reduce future RMDs and IRMAA without using Roth conversions or QCDs.
(47:45) Another listener asks whether doing very large Roth conversions over a few years could make more sense than staying within lower tax brackets over a longer period.
The post Tax Filing, HSAs, I Bonds, RMDs, Roth Conversions: Q&A #2611 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. |
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| 0:29.6 | Financial planning services offered through Jim Solnior and Associates LLC, a registered investment 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 Sonier, 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, |
| 0:56.9 | pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live |
| 1:02.5 | in 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. |
| 1:19.9 | That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage. |
| 1:22.9 | Now here's Jim and Chris with today's show. |
| 1:31.6 | Hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week. |
| 1:39.7 | Jim's still on hiatus at the T3 conference down in New Orleans, so I'm going to have Jake join me here in a moment. |
| 1:50.8 | If you hear any strange noises in the background, probably due to the excessive wind speeds we're having right now in northern Colorado. |
| 2:03.0 | I had an interesting notification come across my phone about a half an hour ago that they're actually closing campus at Colorado State University this afternoon at 3.30 in the afternoon for the rest of the day due to the wind. For those of you don't know, Fort Collins' CSU campus |
| 2:10.7 | has a lot of large, beautiful trees. And when we have one of these violent wind events, |
| 2:17.2 | there can be broken branches and trees |
| 2:20.8 | themselves tipped over. So from a safety standpoint, we just never had this outside of a winter |
| 2:27.6 | storm where the heavy wet snow might break branches that come tumbling down on people's heads. |
| 2:34.0 | So they've occasionally |
... |
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