Social Security, Pension RMDs, Interest Taxation, Portfolio Strategy: Q&A #2629

Jim and Chris discuss the new PROMISE Act’s potential impact on Social Security before covering listener emails on pension RMD timing, interest taxation versus capital gains indexing, and portfolio strategy around Social Security survivor benefits and multi-account allocation.

(5:30) — Chris discusses the new PROMISE Act and how it may impact Social Security.

(17:15) — George asks how long he can delay pension distributions without violating RMD rules, given his 73rd birthday falls in February 2027.

(29:45) — A listener asks whether interest income should be inflation-indexed the same way some propose indexing capital gains for wealthier taxpayers.

(43:00) — The guys field a two-part question on how a surviving spouse’s Social Security loss factors into MDF portfolio and annuity design, and how to allocate a portfolio strategy across different account types.

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