Social Security, 5-year Rule, Conduit Trusts, Inherited IRAs: Q&A #2614

Jim and Chris discuss listener emails on Social Security claiming strategies, IRMAA income adjustments, a listener PSA on the Roth five-year rule, conduit trusts for minor IRA beneficiaries and I-Bond tax reporting, and an inherited IRA passing through a trust. (10:30) George asks about the Social Security “January Rule” and whether claiming in December 2027 or January 2028 would capture the most delayed retirement credits after reaching full retirement age in May 2027. (21:00) A listener who retired early and has been performing Roth conversions asks whether he can also file an SSA-44 based on his wife’s upcoming reduction in work income, even though his conversions have been elevating their household MAGI. (31:00) The guys review a listener PSA clarifying that the fifth year of the Roth five-year rule must be completed entirely—not merely begun—before the holding period is satisfied. (39:45) Jim and Chris take a two-part question on how conduit trusts handle IRA distributions inherited by minor children, and whether the annual interest-reporting election used for EE bonds can also apply to I-Bonds. (1:06:00) A listener whose father-in-law named a trust as the IRA beneficiary — rather than the daughters directly — is getting conflicting advice on whether the IRA funds must be taken immediately or if they can spread the distributions — and the taxes — over five years. The post Social Security, 5-year Rule, Conduit Trusts, Inherited IRAs: Q&A appeared first on The Retirement and IRA Show .

You can listen to Social Security, 5-year Rule, Conduit Trusts, Inherited IRAs: Q&A #2614 online on Radio and Podcast. Open the player on this page to stream the available audio.

Social Security, 5-year Rule, Conduit Trusts, Inherited IRAs: Q&A #2614 is an episode from The Retirement and IRA Show by Jim Saulnier, CFP® & Chris Stein, CFP®.

This episode is 1:30:28 long.

This episode was published on Apr 4, 2026.

Yes. Use the heart button on the episode page to add it to your favorite episodes list.

Yes. This page shows related episodes from The Retirement and IRA Show when more episodes are available from the podcast feed.