Spousal Benefits, HSA Tax Strategies PSA, Inherited IRAs: Q&A #2632
About this episode
Jim and Chris discuss listener questions on spousal benefits, HSA tax strategies, and inherited IRA rules.
Jim and Chris discuss listener emails on Social Security spousal benefits, a listener PSA on HSA tax strategies and treasuries, and inherited IRA RMD rules for minor beneficiaries. (9:00) A listener asks about qualifying for spousal benefits after a lengthy separation, since both spouses are now retired but remain legally married. (28:15) The guys share a listener PSA on tax strategies involving harvesting HSA-eligible expenses, including Medicare B and D premiums, as a tax-free funding source, and on laddering treasury bills through Fidelity or Schwab instead of TreasuryDirect. (40:15) George follows up on inherited IRA rules for minor child beneficiaries, asking whether an eligible designated beneficiary can elect the 10-year rule instead of taking the stretch, which requires RMDs. The post Spousal Benefits, HSA Tax Strategies PSA, Inherited IRAs: Q&A #2632 appeared first on The Retirement and IRA Show .
People in this episode
Hosts: Jim Saulnier, Chris Stein
Topics covered
- Spousal Benefits
- HSA Tax Strategies
- Inherited IRAs
- Social Security
- Listener Q&A
Keywords
- spousal benefits
- HSA tax strategies
- inherited IRAs
- Social Security
- RMD rules
Mentioned in this episode
Organizations: Fidelity, Schwab, TreasuryDirect
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