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.