The Retirement and IRA Show
Арна мәліметтері
The Retirement and IRA Show
What do you get when you combine two knowledgeable CFP® PROFESSIONALS (one also a well-informed COLLEGE FINANCE INSTRUCTOR)? If you mix in relevant financial information and a healthy dose of humor you get the Retirement and IRA Radio Show! JIM SAULNIER, a CERTIFIED FINANCIAL PLANNER™ Professional w...
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Spousal Benefits, HSA Tax Strategies PSA, Inherited IRAs: Q&A #2632
Jim and Chris discuss listener emails on Social Security spousal benefits, a listener PSA on HSA tax strategies and treasuries, and inherited IRA RMD...
Investment Positioning Explained: EDU #2631
If you’d like to skip past Jim, Chris, and Jacob’s opening chat about Jacob relocating to Iowa, Jim’s hiking plans, weather, office dog Apollo, and ge...
Social Security, Estate Planning, Annuity Safety: Q&A #2631
Jim and Chris discuss listener emails on Social Security survivor benefits after the GPO repeal, estate planning for minor children, and annuity safet...
Covering Retirement Income Gaps: EDU #2630
Chris’s Summary
Jim and I continue our discussion on the Fun Number, this time tackling what comes out first and how we plan for covering...
Social Security, Roth 401k, HSA Reimbursement, Pension Options, Trust Planning: Q&A #2630
Jim and Chris discuss listener emails on Social Security survivor benefit strategies, a Roth 401(k) catch-up rule loophole, HSA reimbursement for Medi...
Retirement Budgeting – The Fun Number: EDU #2629
Chris’s Summary
“Jim and I begin a multi-part discussion on the Fun Number, a retirement budgeting concept for how much someone can spend...
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 taxati...
A Potpourri of Beneficiary Disputes and Tax Laws: EDU #2628
Chris’s Summary
Jim and I dig into two beneficiary disputes as part of what we’re calling a “potpourri” EDU show: the 1930s Goodman Trian...
Healthspan and Retirement Planning for Longevity with Dr. Snider: Q&A #2628
Jim and Chris welcome back returning guest Dr. Phillip Snider for a Q&A episode that plays a little differently than usual. Listener emails open a bro...
Funding Essential Expenses in Retirement: EDU #2627
Chris’s Summary
Jim and I review a reader-submitted article on funding essential expenses in retirement, examining how one engineer split...
Social Security, 403b Variable Annuities, Converting Inherited IRAs: Q&A #2627
Jim and Chris discuss listener emails on Social Security spousal benefit calculations, variable annuities in a 403(b), converting Inherited IRAs, and...
What to Know About Jointly Owned Annuities: EDU #2626
Chris’s Summary
Jim and I continue our discussion on annuity insurer failures and state guarantee fund protections before turning to join...
Social Security, SPIA, SPIA Timing, QLAC: Q&A #2626
Jim and Chris discuss listener emails on Social Security benefits for a disabled adult child, SPIA timing and funding, longevity assumptions, and QLAC...
Annuity Collapse: EDU #2625
Chris’s Summary
Jim and I examine an Annuity Collapse involving PHL Variable Insurance Company, a $99,000 annuity, private equity ownersh...
Social Security, Annuities, Income, Annuities: Q&A #2625
Jim and Chris discuss listener emails on delayed Social Security credits, annuity provider ratings, DIA versus QLAC income planning, and fixed indexed...
Forced Annuitization: EDU #2624
Chris’s Summary
Jim and I continue our discussion on Forced Annuitization in a highly appreciated non-qualified variable annuity owned by...
Social Security, Annuities for LTC Planning: Q&A #2624
Jim and Chris discuss listener emails on Social Security earnings limits, and two emails relating to using annuities for LTC planning.
(13:00) —...
Understanding Forced Annuitization: EDU #2623
Chris’s Summary:
Jim and I continue our discussion on annuity basics before turning to a listener’s email centered on forced annuitizatio...
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...
Annuity Basics: EDU #2622
Chris’s Summary
Jim and I tackle annuity basics to start off another National Annuity Awareness Month. We cover what annuities are as ins...
Social Security, Annuity RMDs, Annuity Laddering: Q&A #2622
Jim and Chris discuss listener emails on Social Security survivor and ex-spouse benefits, using annuity income to satisfy RMDs, and annuity laddering...
Income Annuities in Retirement: EDU #2621
Chris’s Summary
Jim and I discuss income annuities in retirement as a lead-in to National Annuity Awareness Month, using a Fidelity Viewp...
Social Security, Withdrawal Strategy, HSAs, 4% Rule, Roths, Retirement Trust: Q&A #2621
Jim and Chris discuss listener emails on Social Security spousal benefits, portfolio withdrawal strategy for early retirement, HSA and Medicare premiu...
Delay Period Funding Strategy: EDU #2620
Chris’s Summary:
Jim and I discuss a listener’s strategy for funding the delay period in this dialog show. A 59-year-old chemical enginee...
IRMAA, Social Security, Tax Diversification, Delay Period, Inherited IRA: Q&A #2620
Jim and Chris discuss listener emails on the SSA-44 and IRMAA process for a couple approaching Medicare, Social Security survivor benefit strategy, ta...
Enjoying a Healthy Retirement: EDU #2619
Chris’s Summary
Jim and I are joined by Dr. Phillip Snider, in what we hope is his first appearance of many, as we discuss what a healthy...
IRMAA, Social Security, Roth 5-Year Rule, Rollover IRA Protections: Q&A #2619
Jim and Chris discuss listener emails on IRMAA appeals, Social Security survivor benefits, a Venn Diagram PSA, Roth IRA spousal rollover and the five-...
Is The Safe Withdrawal Rate Useful? EDU #2618
Chris’s Summary
Jim and I discuss the Safe Withdrawal Rate as a projection tool before retirement, but not as the distribution tool we wo...
Social Security, IRMAA, Roth Conversions, IRA Beneficiaries: Q&A #2618
Jim and Chris discuss emails on Social Security survivor benefit strategies, IRMAA exceptions, Roth conversion timing during market downturns, and the...
Retirement Spending Phases: EDU #2617
Chris’s Summary
Jim and I continue our discussion of the New York Times article titled “You Saved and Saved for Retirement. Now You Need a Plan...
Social Security, Wash Sales, Taxes: Q&A #2617
Chris is joined by Jake Turner, while Jim is traveling, to discuss listener emails on Social Security spousal benefits, wash sales across brokerage an...
Retirement Spending Plans: EDU #2616
Chris’s Summary
Jim and I discuss retirement spending plans through the lens of a New York Times article titled “You Saved and Saved for...
Social Security, ERISA, Trusts: Q&A #2616
Jim and Chris discuss listener emails on Social Security benefits for a family with a disabled adult child, survivor benefits, ERISA vs. non-ERISA 403...
Tax Rules and Mistakes: EDU #2615
Chris’s Summary
Jim and I are joined by Jake as we discuss tax rules and mistakes through two tax-focused PSAs before moving into listener email...
Social Security, Inheritance Strategy, SEP IRA Conversions: Q&A#2615
Jim and Chris discuss listener emails on Social Security claiming strategies, financial education electives for a college student, a listener PSA on p...
Retirement Lessons Learned: EDU #2614
Chris’s Summary
Jim and I share retirement lessons learned from a listener’s account of his mother. Her husband’s survivor pension electi...
Social Security, 5-year Rule, Conduit Trusts, Inherited IRAs: Q&A #2614
Jim and Chris discuss listener emails on Social Security claiming strategies, IRMAA income adjustments, a listener PSA on the Roth five-year rule, con...
Buffered ETF Mechanics: EDU #2613
If you would like to skip over the guys’ banter this week about Jim’s experience going to a Cincinnati Reds game, you can go to (7:00).
Chris’s...
Social Security, Spendthrift Trust, Living Trust: Q&A #2613
Jim and Chris discuss listener emails on Social Security timing, whether you can “leave” your Social Security benefit to a spouse who doesn’t independ...
Ed Slott IRA Quiz Continued: EDU #2612
Note: In this episode some information regarding the 5-year rule was misstated – one must get through the fifth, not just be in the fifth year. Jim an...