Social Security, Annuities for LTC Planning: Q&A #2624
The Retirement and IRA Show · 2026-06-13 · 1h 16m
Episode notes
Jim and Chris discuss listener emails on Social Security earnings limits, and two emails relating to using annuities for LTC planning. (13:00) - A listener asks whether income from selling NSO stock counts as earned income for Social Security, potentially triggering the earnings limit before full retirement age. (21:00) - George asks about using a 1035 exchange to move variable annuities with guaranteed living benefits into a product offering long-term care benefits, and wants help weighing the tradeoffs of this approach. (49:45) - The guys help a listener think through annuity planning to fund future long-term care costs for in-laws, including whether to use one joint annuity or two individual annuities and where to find SPIA quotes. The post Social Security, Annuities for LTC Planning: Q A #2624 appeared first on The Retirement and IRA Show .