About this episode

Jim and Chris address various listener questions regarding IRMAA brackets, Social Security benefits, annuities, and charitable distributions.

Jim and Chris discuss listener emails on IRMAA brackets after a spouse’s death, Social Security claiming and spousal benefits, annuities and inflation for a Minimum Dignity Floor shortfall, and a Qualified Charitable Distributio (QCD) funding a charitable gift annuity, followed by listener PSAs on expense tracking, home sale timing, and annuity flexibility. (10:00) A listener asks which year’s tax brackets and which filing status apply to the IRMAA two-year look-back following a spouse’s death, and whether remarrying later would change the result. (18:30) George asks whether claiming Social Security at Full Retirement Age rather than 70 makes more sense when a spouse is already receiving a small benefit that would step up to a spousal benefit. (32:15) The guys respond to a question about how to account for future inflation when purchasing an annuity to cover a Minimum Dignity Floor (MDF) shortfall. (1:02:15) Jim and Chris address a question about using a QCD from a traditional IRA that contains basis to fund a charitable gift annuity. The listener asks how the basis affects the reportable QCD amount, any charitable deduction, and the taxation of the lifetime…

People in this episode

Hosts: Jim Saulnier, Chris Stein

Topics covered

• IRMAA brackets
• Social Security
• annuities
• inflation
• Qualified Charitable Distributions
• listener PSAs

Keywords

• IRMAA
• Social Security claiming
• annuities
• Minimum Dignity Floor
• Qualified Charitable Distribution
• expense tracking
• home sale timing

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