In this episode, we open the phone lines and talk directly with our listeners to answer their burning questions.

Kristen from California is at a crossroads post-retirement. At 61, she's contemplating drawing from her Social Security benefits but is held back by the perplexing windfall provision. Dive in as we shed light on its legislative history and the possible shift to the Public Servant Fairness Formula.

Blair in Florida, a proud dual citizen of Canada and the U.S., kicks off his call with some heartwarming appreciation for hosts John and Devin. Then he brings out an intricate issue surrounding the Social Security Totalization agreement and pensions from both countries. Get ready for a deep dive into international pensions, the windfall elimination provision, and the labyrinth of filling out the right forms.

Chris from Arizona calls in with a dilemma on Roth conversions while juggling medical subsidies.

And then last but certainly not least...

Bill from Nevada seeks guidance on maximizing survivor benefits for his beloved wife. Bill, navigating Social Security decisions can be a daunting task, especially when thinking about our loved ones.

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Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and look for the tab on the right side that says "Send A Voicemail." 

Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Contact Devin's team at https://www.carrolladvisory.com/ 

Contact John's team at https://www.rossandshoalmire.com/