Social Security, Rule of 55, QLAC Timing, SPIAs: Q&A #2623

Jim and Chris discuss listener emails on whether Social Security should be compared to an annuity, Rule of 55 distribution rules, using period-certain annuities during the delay period, QLAC timing and taxes, and using a SPIA for Minimum Dignity Floor coverage. (5:20) The guys address a listener’s objection to describing Social Security as an annuity and whether that comparison is accurate. (32:00) A listener seeks clarification on Rule of 55 distributions after receiving conflicting information about whether plan-specific rules matter. (38:45) Georgette asks whether a 10-year period before her mortgage is paid off can be treated like a delay period and covered with a period-certain annuity. (51:30) Jim and Chris answer a question about whether QLACs can be purchased for a spouse from an IRA, how QLAC timing can be structured, and how payments are taxed. ( 1:13:45 ) George wonders whether relying on excess RMDs or purchasing a qualified second-and-survivor SPIA from IRA funds is a better way to support long-term MDF coverage. The post Social Security, Rule of 55, QLAC Timing, SPIAs: Q&A appeared first on The Retirement and IRA Show .

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Social Security, Rule of 55, QLAC Timing, SPIAs: Q&A #2623 is an episode from The Retirement and IRA Show by Jim Saulnier, CFP® & Chris Stein, CFP®.

This episode is 1:25:47 long.

This episode was published on Jun 6, 2026.

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