About this episode

Jim and Chris address listener questions regarding Social Security, early withdrawals, and retirement strategies.

Jim and Chris discuss listener emails on spousal Social Security timing, a listener PSA on the super catch-up contribution rule, early withdrawals from a Roth 457(b) plan, Minimum Dignity Floor coverage using SPIAs, QLACs as a hedge against potential Social Security cuts, and a couple’s retirement strategy. (10:00) — A listener asks whether a wife nearing full retirement age can claim her own smaller Social Security benefit now, then switch to a spousal benefit once her husband files at his full retirement age. (18:15) — A listener PSA offers clarification on a previous Q&A episode’s super catch-up contribution rule discussion. (22:15) — Jim and Chris are asked how early withdrawals of growth from a Roth 457(b) plan are taxed for someone who won’t yet be 59 and a half, since 457(b) plans avoid the 10% early withdrawal penalty but may not meet the usual requirements for tax-free Roth distributions. (32:30) — George asks for guidance on using a dual life single premium immediate annuity (SPIA) to help a retired couple with minimal Social Security and no pension cover their Minimum Dignity Floor . (45:00) — A listener asks several questions about how qualified…

People in this episode

Hosts: Jim Saulnier, Chris Stein

Topics covered

• Social Security timing
• early withdrawals
• Roth 457(b) plan
• SPIAs
• QLACs
• retirement strategy
• super catch-up contribution rule

Keywords

• Social Security
• early withdrawals
• Roth 457(b)
• SPIAs
• QLACs
• retirement strategy
• super catch-up contribution

Mentioned in this episode

Organizations: Roth 457(b), SPIAs, QLACs, Social Security

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