Social Security, Risk Philosophy, Fraternal Benefit Societies, Roth Conversions: Q&A #2535

Jim and Chris discuss listener questions on Social Security timing rules, retroactive benefits for an ex-spouse, investment strategy philosophy, fraternal benefit societies, and Roth conversions. (6:30) The guys address a listener’s question about whether applying for Social Security at 70 requires enrolling in Part B or if retroactive filing is an option without losing payments. (16:00) A listener asks why their 75-year-old father was denied six months of retroactive spousal benefits while a widowed friend who applied at the same time received them. (33:30) Jim and Chris respond to a listener who questions the “You won the game, why take the risk” from a previous episode and asks whether a high-equity portfolio still makes sense. (53:00) The guys respond to a listener’s email about fraternal benefit societies that operates outside guaranty associations. (1:12:00) Georgette asks whether converting to a Roth and then spending from it makes more sense than other withdrawal options. The post Social Security, Risk Philosophy, Fraternal Benefit Societies, Roth Conversions: Q&A #2535 appeared first on The Retirement and IRA Show .