Social Security Benefits, Roth Conversions, and Annuities: Q&A #2512
Description
Jim and Chris discuss listener questions relating to Social Security strategies, spousal benefits, Roth conversions, and annuities.
(8:15 ) George asks whether a widow who was widowed before age 60 has two Social Security claiming strategies available based on the FRA benefit of each spouse.
(20:30 ) The guys address a question about how spousal benefits are calculated when one spouse took Social Security early and the other has a PERA pension.
(29:30 ) Georgette wonders how she and her husband should approach Roth conversions given their $4 million in IRAs, her larger balance, and concerns about future RMDs and legacy planning.
(1:03:30 ) Jim and Chris provide guidance on whether to use current or future spending when purchasing a SPIA to cover base expenses and how laddering might play a role.
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