DiscoverThe Retirement and IRA ShowSocial Security, 60-Day Rollover, Inherited IRA, and Deferred Income Annuity: Q&A #2539
Social Security, 60-Day Rollover, Inherited IRA, and Deferred Income Annuity: Q&A #2539

Social Security, 60-Day Rollover, Inherited IRA, and Deferred Income Annuity: Q&A #2539

Update: 2025-09-27
Share

Description

Jim and Chris discuss listener questions on Social Security disability, dependent benefits for an adult child, a 60-day rollover nuance, inherited IRA RMD rules, and a deferred income annuity strategy.
(15:00 ) George asks whether his brother, who is on SSDI and will transition to retirement benefits at 67, can suspend and restart his benefit to grow it until age 70.
(27:30 ) The guys address how the family maximum affects benefits when one child ages out, whether a disabled adult child’s status remains unchanged, and what impact spousal and survivor benefits may have on future payments.
(43:15 ) Jim and Chris review a listener’s experience with a 60-day rollover where an RMD calculation excluded funds rolled back after year-end.
(58:00 ) A listener asks how RMDs are determined when his aunt inherits an IRA that had previously been inherited under pre-SECURE rules.
(1:14:00 ) Georgette considers purchasing a deferred income annuity in her IRA to cover future RMDs and guaranteed income needs and wonders if her strategy has flaws.


The post Social Security, 60-Day Rollover, Inherited IRA, and Deferred Income Annuity: Q&A #2539 appeared first on The Retirement and IRA Show.

Comments 
In Channel
00:00
00:00
x

0.5x

0.8x

1.0x

1.25x

1.5x

2.0x

3.0x

Sleep Timer

Off

End of Episode

5 Minutes

10 Minutes

15 Minutes

30 Minutes

45 Minutes

60 Minutes

120 Minutes

Social Security, 60-Day Rollover, Inherited IRA, and Deferred Income Annuity: Q&A #2539

Social Security, 60-Day Rollover, Inherited IRA, and Deferred Income Annuity: Q&A #2539

Jim Saulnier, CFP® & Chris Stein, CFP®