Jim Saulnier - Podcast Details

Shows

The Retirement and IRA ShowSocial Security, Roth Conversions, Annuities, and Rule of 55: Q&A #2532Jim and Chris discuss listener questions on Social Security timing strategies, Roth conversions in an RMD year, annuity return calculations, account sourcing for SPIA purchases, and Rule of 55 withdrawal rules.(12:30) A listener asks whether his brother should delay claiming Social Security to age 70 for better longevity protection despite a narrow breakeven.(35:15) George asks if he can complete a Roth conversion before taking his first RMD and when a QCD would fit in that sequence.(58:15) Jim and Chris respond to a question on how to calculate the return on a lifetime income annuity.(1:11:15) The guys address...2025-08-091h 26

The Retirement and IRA ShowRetirement Income Versus Savings: EDU #2532Chris’s SummaryJim and I review a recent article featuring Robert Merton’s views on retirement income versus savings, using it as a springboard to unpack income planning fundamentals and annuity projections. While we agree with many of Merton’s framing points—especially the focus on secure income—we also note several key areas where academic theory diverges from real-world retirement dynamics. Jim’s “Pithy” SummaryChris and I dig into an article summarizing Nobel Prize winner Robert Merton’s take on retirement income, and I must say—it gave us plenty to talk about! We agree with...2025-08-061h 20

The Retirement and IRA ShowOhio, Medicare, Social Security, Roth 401k, and Annuities: Q&A #2531Jim and Chris discuss Jim’s relocation experience to Ohio, a listener PSA on Medicare, questions about Social Security payment timing and divorce eligibility, Roth 401k withdrawals under the rule of 55, and close with an annuity comparison answer so long it practically qualifies as a mini EDU. (17:00) A listener PSA reminds others that Medicare Part A only covers hospital costs and that Parts B, C, and D must still be actively enrolled in. (24:30) A listener asks whether it’s normal for his Social Security payment date—initially based on spousal benefits—to remain the same after sw...2025-08-021h 58

The Retirement and IRA ShowBuffered ETFs vs Stocks and Cash: EDU #2531Chris’s SummaryJim and I are joined by Matt Kaufman, Senior Vice President and Head of ETFs at Calamos Investments, to discuss buffered ETFs vs stocks and cash, focusing on AQR’s recent critiques. We examine the flaws in AQR’s methodology, the broader history of buffered products, and why these tools can offer certainty in retirement planning. Matt explains how buffered ETFs differ from accumulation strategies and why they may suit specific roles in a distribution-focused portfolio. We also touch on annuity comparisons and institutional adoption by endowments. Jim’s “Pithy” SummaryChris and I welcom...2025-07-3051 min

The Retirement and IRA ShowLiving Benefits on Annuities: EDU #2530Chris’s SummaryJim and I explain living benefits on annuities, covering how guaranteed income riders work and why they can appeal to those hesitant to annuitize. We describe what we call noun annuities (pre-annuitization) and verb annuities (post-annuitization), then unpack how living benefit riders like guaranteed minimum withdrawal benefits provide income without giving up access to principal. We also discuss what we refer to as the “pretend account,” alongside actual account balances and the significance of guaranteed versus hypothetical projections. Jim’s “Pithy” SummaryChris and I finally deliver the long-promised show on annuity living benef...2025-07-231h 28

The Retirement and IRA ShowSocial Security, Annuities, Roth and Roth TSP 5-Year Rule: Q&A # 2528Jim and Chris answer listener questions on Social Security filing and its effect on HSA eligibility, Social Security means testing, the timing of annuity purchases in IRAs, the Roth and Roth TSP 5-year rule.(7:30) Georgette asks whether the six-month Medicare Part A lookback is triggered by her husband’s Social Security application date or benefit eligibility date, and how that affects HSA contributions.(22:45) A listener worries about possible future Social Security means testing for those who are past full retirement age but not yet claiming.(36:30) George questions whether buying a Fixed Indexed Annuity inside an IRA is...2025-07-121h 21

The Retirement and IRA ShowOBBBA Tax Changes Explained: EDU #2528Chris’s SummaryI am joined by Jake and Paul to discuss OBBBA tax changes and retiree impacts from the Inflation Reduction Act. We cover changes to brackets, deductions, personal exemptions, and estate limits. Paul explains how new SALT caps, Social Security deductions, and ACA credit rollbacks affect planning opportunities for retirees, especially those near income phaseouts or considering Roth conversions and business deductions. Jim’s “Pithy” Summary Chris, Jake, and Paul talk through a range of retiree-focused updates, including several OBBBA tax changes and provisions from the Inflation Reduction Act. These aren’t just techn...2025-07-091h 16

The Retirement and IRA ShowSocial Security, Pension Buyouts, and Managed Payout Funds: Q&A #2527Jim and Chris answer listener questions on Social Security family maximum rules, spousal and disabled child benefits, defined benefit pension concerns, and 401k managed payout funds.(7:45) A listener is trying to understand how the Family Maximum Benefit might reduce the amounts paid to his spouse and disabled adult child once he claims his own retirement benefit.(16:45) Jim and Chris respond to a listener who has a disabled son and is planning to claim a spousal benefit based on his wife’s record. He asks how the family maximum could affect his son’s eligibility for SSDI and futu...2025-07-051h 12

The Retirement and IRA ShowBroker vs Advisor Sold RILAs: EDU #2527Chris’s Summary:Jim and I examine broker vs advisor sold RILAs using real cap rate comparisons from 2024 to highlight how identical contracts can offer different outcomes. We explain how six-year outcome periods work, what locking in gains actually does, and when fees can reduce returns more than commissions. This episode is less about product bias and more about understanding the trade-offs between access, structure, and transparency in how these annuities are priced and delivered. Jim’s “Pithy” Summary: Chris and I return to RILAs because, well, June wasn’t enough! We had more to say—especi...2025-07-021h 16

The Retirement and IRA ShowPSAs, Spousal Benefits, Annuity Use Cases, and FIAs: Q&A #2526Jim and Chris shares listener PSAs on IRMAA and Delayed Retirement Credits, and answer questions on Social Security Spousal Benefits, annuity use cases, and fixed indexed annuity payout concerns. (13:00) A listener shares a PSA about a positive Medicare and IRMAA reduction experience at a Central Florida SSA office. (19:00) Georgette follows up with a PSA confirming her husband received all delayed retirement credits despite a February 1 birthday.(26:45) George asks whether his wife will be automatically moved to a spousal Social Security benefit when he files, or if she needs to apply separately.(37:45) Jim and Chris...2025-06-281h 29

The Retirement and IRA ShowRILAs vs Buffered ETFs: EDU #2526Chris’s Summary:Jim and I explore registered index-linked annuities and compare RILAs vs buffered ETFs across liquidity, taxation, and cap rate dynamics. We walk through how the insurance and investment structures differ, where principal protection varies, and how commission-based and advisory products compare from a fiduciary standpoint. I also explain the tax treatment of qualified versus non-qualified annuities and why IRD status matters when evaluating options for legacy planning. Jim’s “Pithy” Summary:Chris and I dig into RILAs—Registered Index-Linked Annuities—and boy, do these things get pushed hard. They’re the lovechild of fixed index...2025-06-2553 min

The Retirement and IRA ShowSocial Security PSAs, FIAs, SPIAs, and MYGAs: Q&A #2525Jim and Chris begin with three PSAs on Social Security experiences, then answer questions on fixed indexed annuities with market value adjustments, SPIA payout options for the Minimum Dignity Floor, and the tax aggregation rule for MYGAs.(11:30) In this PSA Georgette clarifies that her husband, born February 1, received January benefits at full age 70, with payments starting at the end of January.(19:45) A listener shares a PSA about their struggle recovering original documents from the SSA after submitting an IRMAA appeal and only getting help after contacting her senator.(24:15) The guys read a PSA from a listener...2025-06-211h 32

The Retirement and IRA ShowFixed Indexed Annuities: EDU #2525Chris’s Summary:Jim and I continue our focus for Annuity Awareness Month by explaining how fixed indexed annuities work and the regulatory nuances that distinguish them from other fixed products. We walk through their structure, common misconceptions, when they can be appropriate, and how to compare them to MYGAs and buffered ETFs. We also highlight the motivations behind annuity recommendations in the financial services industry and the risks of proprietary index products. Jim’s “Pithy” Summary:With Annuity Awareness Month continuing through June, Chris and I wade into the world of fixed indexed annuities—what they...2025-06-181h 32

The Retirement and IRA ShowSocial Security, HSA Rules, SPIA Funding, and FIA Details: Q&A #2524Jim and Chris address questions on Social Security survivor benefits, unreimbursed HSA expenses, SPIA funding from multiple accounts, and Fixed Indexed Annuity details. (7:45) Georgette asks whether drawing her own reduced Social Security benefit at 62 will affect her ability to switch to her deceased husband’s full survivor benefit at age 67. (23:15) A listener follows up on an HSA discussion, asking whether reimbursing heirs with a shoebox of unreimbursed receipts is valid post-death, or if only unpaid bills qualify. (33:00) The guys address a question about funding a SPIA when assets are distributed across various accounts like IRAs, Ro...2025-06-141h 21

The Retirement and IRA ShowUnderstanding Annuity Types and Features: EDU #2524Chris’s Summary:Jim and I discuss annuity types and features during Annuity Awareness Month, focusing on immediate vs. deferred annuities and fixed vs. variable structures. We cover how each type works, what they offer, and where caution is warranted. Jim’s “Pithy” Summary:Chris and I continue our Annuity Awareness Month series by diving into the foundational aspects of annuities—what they are, how they work, and what to watch out for when buying one. We explain the four primary annuity types and features—immediate, deferred, fixed, and variable—and share why understanding the difference bet...2025-06-111h 21

The Retirement and IRA ShowBond ETFs, Social Security, 401k Annuities, and Annuitization: Q&A #2523Jim and Chris answer questions on defined maturity bond ETFs, Social Security account linking and spousal offsets, 401k annuities vs IRA Annuities, and annuitization definitions.(14:30) Jacob joins the guys to explain how estimated net acquisition yield works for defined maturity bond ETFs, including how to interpret it and evaluate risk when holding through maturity.(38:30) A listener asks about sending a marriage certificate to Social Security for account linking and whether there’s any confirmation of linking on SSA.gov.(44:15) George wonders whether his wife will automatically receive a spousal benefit increase once he claims Social Security at...2025-06-071h 25

The Retirement and IRA ShowAnnuities in Retirement Planning: EDU #2523Chris’s Summary:Jim and I kick off our annual Annuity Awareness Month series by explaining how using annuities in retirement planning can help manage longevity risk and provide guaranteed income. We cover when they’re worth considering, what they actually solve for, and how they might fit into a plan—if at all. We also explain why many people are skeptical of annuities and why, in many cases, that skepticism is justified. Jim’s “Pithy” Summary: Chris and I launch our annual series for National Annuity Awareness Month with a foundational discussion on annuities: what they ar...2025-06-041h 09

The Retirement and IRA ShowSocial Security Filing, Roth 5-Year Rule, HSA Strategy, and Bond Principal: Q&A #2522Jim and Chris answer listener questions on Social Security filing, a PSA on SSA’s online application process, the Roth 5-Year Rule, HSA strategy, and bond principal risk. (8:00) A listener asks whether Social Security’s claim that delayed retirement credits aren’t applied until the end of the following year is accurate, and whether anyone receives them without persistent follow-up. (29:15) The guys share a listener PSA with their experience applying for Social Security online and highlights the confusing communications around application status and approval timelines. (18:15) George asks how and when to apply for Social...2025-05-311h 16

The Retirement and IRA ShowFlexible Retirement Spending: EDU #2522Chris’s Summary:Jim, Jake, and I use this Dialogue EDU episode to explore how we approach flexible retirement spending. We respond to listener emails about DIY simplicity, budgeting for irregular expenses, and how we assign assets to spending needs. The conversation highlights why we prioritize adaptability over rigid withdrawal rules. Jim’s “Pithy” Summary:Chris, Jake, and I use this Dialogue EDU episode to explore what flexible retirement spending really looks like—beyond the spreadsheets and into the real-life tradeoffs people actually face. A few listener emails set the stage, from a DIYer aiming for simpli...2025-05-281h 12

The Retirement and IRA ShowSocial Security, IRA Basis, and Roth 5-Year Rule: Q&A #2521Jim and Chris answer listener questions on Social Security timing, the Earnings Test, nondeductible IRA basis, and the Roth 5-Year Rule. (16:15) Georgette asks whether filing retroactively in December, with Social Security payments issued in January, ensures that all income—including the retroactive amount—will be reported on the following year’s tax return. (28:00) A listener working in a State job who is eligible for a Social Security widow benefit asks whether large pre-tax contributions to 403(b) and 457(b) plans would reduce his earnings under the Earnings Test. (42:30) The guys address whether IRA basis can be...2025-05-241h 35

The Retirement and IRA ShowSpending Confidently in Retirement with Kevin Sebesta: EDU #2521Chris’s Summary:Jim and I are joined again this week by Kevin Sebesta from the Rock Retirement Club in this EDU episode. We explore what helps retirees start spending confidently—especially when markets are volatile or the saver mindset is hard to shake. Kevin shares how structure, support, and community all play a role, and why building confidence takes more than just having a solid financial plan. Jim’s “Pithy” Summary:Chris and I bring Kevin Sebesta back this week for round two, and this time we’re 2025-05-211h 19

The Retirement and IRA ShowSocial Security, HSA Strategy, and Cost Basis: Q&A #2520With Jim away at a conference, Chris is joined by Jake and Jacob to answer listener questions on child-in-care spousal benefits, the Earnings Test, HSA strategy, reconstructing cost basis, and Social Security timing concerns. (6:00) A listener asks whether reaching full retirement age makes him ineligible for child-in-care spousal benefits, and what steps he can take to appeal the denial. (21:30) George questions whether excess earnings prevent payment of family Social Security benefits when the worker’s own benefit is offset (34:00) The guys address how inheritance and medical spending may influence HSA strategy and if it’s...2025-05-171h 17

The Retirement and IRA ShowExploring the Retirement Mindset with Kevin Sebesta: EDU #2520Chris’s Summary:Jim and I welcome Kevin Sebesta from the Rock Retirement Club in this Dialogue EDU episode to explore the retirement mindset and why preparing for life after work goes beyond just the numbers. Kevin shares lessons from his own journey and the broader retirement community about identity, purpose, and what makes a fulfilling transition. Jim’s “Pithy” Summary: Chris and I welcome Kevin Sebesta to this Dialogue EDU episode for a conversation that veers off the usual technical path and gets into something trickier—the retirement mindset. Kevin’s a retirement coach and longtime...2025-05-1457 min

The Retirement and IRA ShowSocial Security, IRMAA, IRA Beneficiary, and the Roth 5-Year Rule: Q&A #2519 Jim and Chris respond to listener emails on Social Security record accuracy, IRMAA repayment options, naming a Trust as an IRA beneficiary, and the Roth 5-year Rule. (12:00) Georgette shares five important Social Security lessons from her family’s experience, prompting a PSA-style discussion on earnings record errors, divorce and remarriage rules, survivor benefit delays, and claiming strategies. (40:15) A listener offers a PSA about what happens if your IRMAA appeal lowers surcharges, but your income later exceeds expectations. (45:15) Jim and Chris address a question about naming a Trust as IRA beneficiary, discussing both how to complete a beneficiary designation fo...2025-05-101h 34

The Retirement and IRA ShowRetirement Plans for Aging: EDU #2519Chris’s Summary:Jim and I take a step back in this Dialogue EDU episode to explore how we design retirement plans for again. We talk through common misunderstandings around projections, explain how our See Through Portfolio helps people navigate retirement with more confidence, and clarify how simplicity is built into the process. Jim’s “Pithy” Summary: Chris and I use this EDU episode to have a dialogue on some of the feedback we’ve received about our planning approach. A few listener emails spark a broader discussion about how people interpret our process, where confusion...2025-05-071h 31

The Retirement and IRA ShowIRA Contributions, Special Needs Trusts, Roth Conversions, and Cost Basis: Q&A #2518Jim and Chris are joined by Jake and Paul to discuss tax-related listener questions on IRA contributions from self-employment income, special needs trusts, year-of-death Roth conversions, Cost Basis, and IRMAA. (9:00) George asks how QBI and self-employed health insurance deductions affect how much he can contribute to a traditional IRA.(20:00) Jim, Chris, Jake, and Paul respond to a question about whether creating multiple special needs trusts can multiply the $5,000 federal tax deduction.(28:00) The guys weigh in on a year-of-death strategy involving large Roth conversions and other planning considerations for a surviving spouse.(49:45) A listener wants...2025-05-031h 30

The Retirement and IRA ShowTransition Period Strategy Part 3 – A Case Study: EDU #2518Chris’s Summary:Jim and I are joined once again by Jacob for the third and final part of our series on transition period strategy. This time, we focus on the practical side of asset positioning: how near-retirees can begin structuring spending reserves without overreacting to short-term volatility. We use an example case study to explain how to segment early retirement needs into time-based chunks, identify dollars that require principal protection, and distinguish between your Minimum Dignity Floor and Fun Number spending. Jim’s “Pithy” Summary:Chris, Jacob, and I finish up our series on position...2025-04-301h 27

The Retirement and IRA ShowSocial Security Benefits, IRMAA, and QCD Timing: Q&A #2517Jim and Chris discuss listener questions relating to Social Security spousal benefits, IRMAA relief, suspending Social Security for tax planning, and QCD timing with RMDs. (3:00) A listener enquires whether her 85-year-old mother, who recently remarried, must remain on her ex-spouse’s record for one year before switching to spousal benefits on her new husband’s record.(12:15) The guys address what happens if you file form SSA-44 for IRMAA relief but end up in a higher income tier than estimated.(23:30) George asks to revisit a previous question about if suspending Social Security could allow for more Roth...2025-04-261h 05

The Retirement and IRA ShowTransition Period Strategy Part 2 – Positioning and Repositioning: EDU #2517Chris’s Summary:Jim and I are again joined by Jacob as we continue exploring transition period strategy—the years just before retirement when you’re not yet withdrawing but want to prepare. We cover how near-retirees can manage emotional reactions to volatility while positioning assets to support early retirement spending. For those using our Minimum Dignity Floor and Fun Number approach, we walk through how to identify which dollars need protection and where a degree of principal protection fits. Jim’s “Pithy” Summary: Chris, Jacob, and I pick up where we left off last week—diving...2025-04-231h 18

The Retirement and IRA ShowTax Planning, Minus-One Method, Inherited Roth RMDs, and Early Social Security: Q&A #2516Jim and Chris discuss listener questions relating to tax planning at full retirement age, the minus-one method for RMDs, inherited Roth RMDs, and early Social Security. (9:10) A listener jokes about the state trivia and offers a suggestion for Chris’s benefit.(11:10) Another listener shares a PSA about delays in online Social Security applications and recommends visiting a local office.(20:15) Georgette asks whether delaying her husband’s Social Security filing would be beneficial for Roth conversions.(39:30) Jim and Chris address whether the minus-one method for RMDs was paused during the IRS’s waiver period.(59:20) The gu...2025-04-191h 37

The Retirement and IRA ShowTransition Period Strategy Part 1 – Asset Positioning: EDU #2516Chris’s Summary: Jim and I are joined by Jake and Jacob to discuss listener emails related to asset positioning for retirement and the transition period leading up to it. We break down how we think about asset allocation across account types, what a liquidity account is and why we use it, and how we handle year-end tax planning. It’s all part of how and why our Secure Retirement Income Process focuses on spending needs, not just portfolio performance. Jim’s “Pithy” Summary:Chris and I are joined this week by Jake and Jacob for the fi...2025-04-161h 24

The Retirement and IRA ShowSocial Security, RMD age, Tax Planning, and Inherited Roth IRAs: Q&A #2515Jim and Chris discuss listener questions relating to Social Security, origins of the RMD age, the tax planning window, and RMDs from Inherited Roth IRAs. (11:00) Georgette asks how to qualify for child-in-care survivor benefits if her ex-husband, who has been missing for seven years, is legally declared deceased. (23:00) A listener wonders when to file for her Social Security benefit to ensure no reduction in the first payment. (32:00) The guys share a listener’s PSA about why the IRS originally chose age 70½ as the starting point for RMDs. (46:30) A listener questions whether the...2025-04-121h 13

The Retirement and IRA ShowDefining Unicorn Status in Retirement: EDU #2515Chris’s Summary:Jim and I are joined again by Jacob as we discuss listener emails about “unicorn” status—our term for retirees whose Minimum Dignity Floor and Fun Number are both covered by secure income. We clarify what qualifies as secure income and explore whether a very low withdrawal rate from a conservative portfolio might serve as a substitute. We also touch on when rental income might count and how longevity risk influences planning. Jim’s “Pithy” Summary:This week’s EDU is a dialog episode—where we take listener emails and use them as a jumping-off p...2025-04-091h 12

The Retirement and IRA ShowSocial Security, Roth Conversion Tax Strategy, and Identity Theft PSA: Q&A #2514This week’s is a bit of a non-traditional Q&A episode where Jim and Chris address two listener questions on Social Security but then move into Public Service Announcement mode. For the first PSA they discuss a listener email about a potential state-level Roth conversion tax saving strategy. Then, to wrap up the episode, Jim shares a continuation of the payday loan saga from last week. Jim and Chris are also joined by Jacob Vonloh from the office (who you have heard Jim mention many times), who shares a scam he recently encountered himself. (13:00) George asks ab...2025-04-051h 43

The Retirement and IRA ShowWeathering Market Downturns: EDU #2514Chris’s Description Jim and I talk about how market downturns—like the one we’re seeing now—can cause people to second-guess their plans, even when they’re well prepared. We walk through how our Secure Retirement Income Process is designed to provide structure and clarity during volatile times, and explain how proper positioning can help you maintain perspective. Jim’s “Pithy” Description Chris and I are back this week with a timely conversation—because if you’ve looked at the headlines lately, you’d think the sky is falling. “Boomers in Trouble,” “Retirement Fears,” you name it. Meanwhi...2025-04-021h 05

The Retirement and IRA ShowIdentity Theft, Spousal Benefits, RMD Taxes, IRA Withdrawals, and 401(k) Contribution Limits: Q&A #2513Jim and Chris discuss listener questions relating to spousal Social Security benefits, RMD tax withholding, IRA withdrawals, and 401(k) contribution limits. Jim also shares a PSA about a recent attempt at identity theft. (20:15) Jim shares a PSA about a fraudulent payday loan application attempted in his name and what he learned about credit freezes and loan monitoring. (30:15) George asks whether his wife will be subject to the earnings test if she retires mid-year and starts claiming Social Security benefits in the same year. (39:15) George asks whether tax withheld from his RMD can satisfy...2025-03-291h 16

The Retirement and IRA ShowRoth 5-Year Rules and the Tax Planning Window: EDU #2513Chris’s SummaryJim and I continue our review of interesting and sometimes confusing retirement planning facts, mostly drawn from Jim’s recent Ed Slott conference. We focus on the two Roth five-year rules and how they apply to Roth IRAs versus Roth 401(k)s. I explain the key distinctions between tax-free earnings and penalty-free access. Jim goes further into how “seasoning” from a Roth 401(k) carries over to a Roth IRA. We also touch on pro rata distribution rules in Roth 401(k)s, the IRS’s strict interpretation of the age 55 exemption, and the unique planning window between 59...2025-03-261h 16

The Retirement and IRA ShowSocial Security Benefits, Roth Conversions, and Annuities: Q&A #2512Jim and Chris discuss listener questions relating to Social Security strategies, spousal benefits, Roth conversions, and annuities. (8:15) George asks whether a widow who was widowed before age 60 has two Social Security claiming strategies available based on the FRA benefit of each spouse.(20:30) The guys address a question about how spousal benefits are calculated when one spouse took Social Security early and the other has a PERA pension.(29:30) Georgette wonders how she and her husband should approach Roth conversions given their $4 million in IRAs, her larger balance, and concerns about future RMDs and legacy planning.(1:03:30...2025-03-221h 15

The Retirement and IRA ShowThings That Make You Go Hmm – RMD Rules, IRA Mistakes, and Tax Court Surprises: EDU #2512Chris’s Summary:This week’s EDU show is a throwback to an old favorite—things that make you go “hmm.” Jim brought back a list of oddities from the latest Ed Slott training, covering everything from RMD rules the IRS only recently addressed to real-world court cases involving bankruptcy, lottery tickets, and IRA self-dealing gone wrong. Turns out, there are plenty of IRA mistakes you can make—some more ridiculous than others. Jim’s “Pithy” Summary: It’s another round of “things that make you go hmm,” straight from my latest trip to Ed Slott’s two-day training...2025-03-191h 09

The Retirement and IRA ShowSocial Security records, GPO, QCD Timing, Annuity Costs, and Excess IRA Contributions: Q&A #2511Jim and Chris answer listener questions on Social Security records, GPO, QCD timing, annuity costs, and excess IRA contributions. (10:30) Georgette asks about fixing gaps in her Social Security record. (19:30) The guys discuss how a listener’s spousal Social Security benefits work after the repeal of GPO. (28:30) George seeks clarification on the timing of QCDs and RMDs. (53:30) Jim and Chris answer a query about the administrative costs of annuities. (1:04:15) George faces challenges with excess IRA contributions and MAGI limits. The post Social Security records, GPO, QCD Timing, Annuity Co...2025-03-151h 19

The Retirement and IRA ShowIRA Rules Quiz: EDU #2511Chris’s Summary: Jim’s back from his conference and Jake joined the show again this week as we tackled the latest Ed Slott quiz. Unlike last time, Jim didn’t give us the book to reference—so Jake and I were going in cold. Jim also decided to test ChatGPT by giving it the entire quiz and the manual. With all that information, the AI was still imperfect. While seeing if we could outscore both the AI and each other, we covered Inherited IRA RMD rules, SECURE Act 2.0, self-certification for disability, Roth 401(k) rules, and spou...2025-03-1259 min

The Retirement and IRA ShowQualified Dividends, Gifting Strategies, Roth Conversions, and Trust Taxation: Q&A #2510Jim and Chris are joined by Paul Neiffer, CPA to answer listener questions on qualified dividends, gifting strategies, Roth conversions, and trust taxation. (09:00) George wonders if frequent rebalancing in his taxable brokerage account is causing more of his dividends to be classified as unqualified. (21:30) A listener asks for guidance on which accounts to withdraw from when planning a large financial gift to an adult son. (37:15) The guys offer their perspective on doing Roth conversions early in retirement in order to reduce RMDs, and thus taxes, later in retirement. (59:30) Georgette seeks clarity...2025-03-081h 20

The Retirement and IRA ShowSetting the Record Straight on Clickbait vs Reality: EDU #2510Chris’s Summary: Jim is at yet another industry conference, so Jake is stepping in to join me this week. We pick up where Jim and I left off last time, discussing misleading financial articles. This time, we take a critical look at an article from Moneywise that claims to lay out the “standard” order for withdrawing retirement funds—but seems more focused on promoting paid links than providing useful advice. We break down why a one-size-fits-all withdrawal strategy doesn’t work, how tax planning should drive these decisions, and why you should always approach articles like this with skept...2025-03-0559 min

The Retirement and IRA ShowSocial Security, 529 Plans, Fun Vision, and Annuities: Q&A #2509Jim and Chris sit down to discuss listener questions relating to Social Security, 529 plans, Fun Vision, and Annuities. (Intro – 12:00) Chris provides a Social Security PSA. (19:00) A listener wonders whether her husbands Social Security benefits have been getting a COLA since his passing or if they’ve been frozen. (26:00) A listener wonders if missed payment history from the 1980’s can be corrected and included when calculating their Social Security benefit. (36:15) A listener asks about other alternative investment options for his 529 plans depending on the future of his daughters education needs. (50:45) A list...2025-03-011h 21

The Retirement and IRA ShowFalse Facts and Real Consequences: EDU #2509Chris’s Concise Summary: Jim and Chris examine a recent Suze Orman article on inherited IRA rules, identifying key errors that could mislead readers. They clarify the nuances of the 10-year rule, explain how the required beginning date determines whether annual RMDs are necessary and why Roth IRAs don’t have required minimum distributions. The guys also emphasize the importance of verifying financial information before making decisions. A note to listeners: Regular listeners know that Jim is always looking for ways to improve. The podcast is no exception, so some changes are coming in the EDU epis...2025-02-2657 min

The Retirement and IRA ShowSocial Security Benefits, RMD Taxes, IRMAA, and Social Security Taxation: Q&A #2508While Jim is attending a conference, Chris is joined by Jake to discuss listener questions relating to Social Security benefits, RMD taxes, IRMAA, and taxability considerations for claiming Social Security. (5:00) Georgette asks whether her survivor benefit will be reduced since her husband passed away at age 71. (13:30) The guys address whether claiming early on a work record reduces a spousal benefit or if the child-in-care provision prevents the reduction. (22:15) An email comment corrects a hint given on a previous episode regarding NFL team names. (26:30) A listener questions whether Chris overlooked the Qualifying...2025-02-221h 14

The Retirement and IRA ShowSocial Security, IRMAA, IRA Distributions, Roth Contributions, Catch-up Contributions, and Inherited IRA RMDs: Q&A #2507Jim and Chris discuss listener questions relating to Social Security benefits, IRMAA, IRA distributions, Roth contributions, catch-up contributions, and inherited IRA RMDs. (6:30) George asks how inflation adjustments apply when a reduced Social Security benefit converts to a spousal benefit. (13:45) The guys address whether the end of non-qualified deferred compensation qualifies as a life-changing event for IRMAA purposes. (22:00) Jim and Chris discuss whether taking IRA distributions in a lump sum or spreading them out over time is the better approach for someone retiring at 63. (35:45) A listener explores the idea of making an...2025-02-151h 11

The Retirement and IRA ShowA Smart Approach to Retirement: EDU #2507In this EDU episode Jim and Chris review and discuss an article sent in by a listener after their critique of the safe withdrawal rate approach to retirement. Some of the points made in the article should sound familiar to listeners… Nobel laureates William F. Sharpe and Robert C. Merton argue that traditional retirement withdrawal strategies, like the 4% rule, fail to adequately balance investment risk with income certainty. The laureates highlight the inefficiencies of relying on volatile investment portfolios to fund fixed expenses, proposing instead that retirees match investments to specific future expenditures through strategies like Sharpe’s “lock-b...2025-02-121h 13

The Retirement and IRA ShowSurvivor Benefits, Social Security Disability, and Donor Advised Funds: Q&A #2506Jim and Chris discuss listener questions relating to Survivor Benefits, Social Security Disability Insurance, and Donor Advised Funds. Before diving into listener questions, Jim shares insights from his recent trip to an industry conference, where he investigated financial planning software options that might align with their Secure Retirement Income Process and Fun Number. The guys also discuss the challenges of retirement projections and why existing tools often fall short. (29:00) The guys address a question about whether someone can claim six months of retroactive Social Security benefits before switching to a survivor benefit if their spouse passes...2025-02-081h 10

The Retirement and IRA ShowA Discussion on Simplified Retirement Planning: EDU #2506While Jim is at a conference, Jake joins Chris to discuss a listener’s simplified retirement planning approach. They examine their straightforward strategy, focusing on key points like living within your means, how finances often simplify in the mid-70s after covering the Minimum Dignity Floor, and the impact of passing the delay period for larger withdrawals. They also consider potential risks, such as inflation and interest rates, in this type of allocation. The post A Discussion on Simplified Retirement Planning: EDU #2506 appeared first on The Retirement and IRA Show. 2025-02-0559 min

The Retirement and IRA ShowSocial Security, QLACs, and ETFs: Q&A #2505Jim and Chris discuss listener questions relating to Social Security, QLACs, TIPS ETFs, and buffered ETFs. (9:00) A listener who worked in Australia in the late 1980s asks how the U.S.-Australia Totalization Agreement might affect their Social Security benefits. Jim and Chris discuss whether their earnings record can be adjusted and what steps to take. (16:00) The guys respond to a listener with a sizable public pension who is considering claiming Social Security at 62 and investing the funds. They analyze the strategy and explain why delaying benefits is often the better choice for protecting the...2025-02-011h 29

The Retirement and IRA ShowSafe Withdrawal Rate: EDU #2505Jim, Chris, and Jake share their thoughts on a recent Morningstar study that lowers the industry-standard safe withdrawal rate to 3.7%. They review a MarketWatch article discussing the study, highlighting points of agreement and disagreement. Throughout the conversation, they explore their approach to retirement planning, including the Minimum Dignity Floor, See-Through Portfolio, and Fun Number concepts, comparing these to the safe withdrawal rate and Monte Carlo methods for determining retirement spending. Show Notes: Read in MarketWatch Watch the video from Morningstar The post Safe Withdrawal Rate: EDU #2505 appeared fi...2025-01-291h 28

The Retirement and IRA ShowMedicare Enrollment, Social Security, and Estate Taxes: Q&A #2504Jim and Chris discuss listener questions relating to Medicare enrollment, Social Security benefits, and estate taxes. (6:00) George asks about Medicare’s special enrollment period and the impact of large Roth conversions on IRMAA thresholds after retirement. (18:30) A listener wonders about the impact of the Social Security (Un)Fairness Act on spousal and survivor benefits eligibility. (23:00) The guys weigh in on a question about eligibility for survivor benefits after delaying Social Security to age 70. (28:30) Jim and Chris address concerns about strategies to mitigate estate taxes, including the use of Qualified Charitable Distributions (QCDs) and trusts....2025-01-251h 34

The Retirement and IRA ShowCharitable Remainder Trusts Part 2: EDU #2504Jim, Chris, and guest Paul Neiffer, CPA, continue their discussion on Charitable Remainder Trusts. They also answer listener questions related to CRTs, CRATs and CRUTs. The post Charitable Remainder Trusts Part 2: EDU #2504 appeared first on The Retirement and IRA Show. 2025-01-221h 28

The Retirement and IRA ShowContributions, Social Security, 415 Limits, and Beneficiaries: Q&A #2503Jim, Chris, and Jake sit down to discuss listener questions relating to contributions, Social Security, 415 limits, and beneficiaries. PSA: Chris and Jake review several questions from this weeks EDU show relating to 415 limits, new age 60-63 “super” catch-up contributions effective under SECURE 2.0. (10:30) A listener looks for clarification on his wife’s spousal Social Security benefit. (13:30) George provides some additional thoughts surrounding 415 limits and maxing out 401k contributions. (23:00) PSA to clarify the question from last week’s Q&A Show regarding a person who inherited an IRA directly from his mom as a primar...2025-01-181h 05

The Retirement and IRA ShowSocial Security, Inherited Roth IRAs, Inherited IRA RMDs, and Roth Withdrawals: Q&A #2502Jim and Chris sit down to discuss Social Security, inherited Roth IRAs, an inherited IRA RMD case, and reporting Roth withdrawals. (12:45) The guys answer a question about earning enough Social Security credits while working overseas and how this impacts Medicare eligibility and spousal benefits. (22:45) Georgette asks whether taking a Child-in-Care benefit now will allow her to switch to a higher survivor benefit later. (33:00) A listener wonders if a trust can preserve the tax-free growth of an inherited Roth IRA beyond the 10-year withdrawal rule. (46:15) Jim and Chris talk about a very...2025-01-111h 21

The Retirement and IRA ShowRetirement Planning Dialogue: EDU #2502 In this EDU dialogue show, Jim and Chris are joined by Jake to explore listener questions about Social Security, income annuities, strategies for deploying dollars in retirement, and other Retirement Planning related topics. Mentioned JP Morgan Article The post Retirement Planning Dialogue: EDU #2502 appeared first on The Retirement and IRA Show. 2025-01-081h 31

The Retirement and IRA ShowSpousal Benefits, IRMAA, Step-Up Basis, Family Maximums, Beneficiaries, and Inheritances: Q&A #2501Jim and Chris discuss listener questions relating to Social Security spousal benefits, IRMAA planning, step-up in basis rules, family maximums, IRA beneficiaries, and factoring inheritances into retirement planning. (12:00) George asks how his wife’s spousal Social Security benefit will be calculated, specifically regarding COLA increases to his PIA and his delayed filing at age 70. (20:30) A listener inquires about minimizing IRMAA surcharges following Roth conversions by using form SSA-44 to waive the surcharge for consecutive years. (31:15) In a PSA, Jim and Chris clarify a mistake from a previous episode regarding the IRS definition of fa...2025-01-041h 32

The Retirement and IRA ShowDeveloping Confidence With Retirement Spending: EDU #2501 Jim and Chris, once again joined by Jake, a fellow planner at Jim Saulnier & Associates, discuss a recent Wall Street Journal article about why retirees often hesitate to spend in retirement. The guys share some tips to build retirement spending confidence. The post Developing Confidence With Retirement Spending: EDU #2501 appeared first on The Retirement and IRA Show. 2025-01-011h 16

The Retirement and IRA ShowSocial Security Benefits, IRMAA, RMDs, Annuities, and Beneficiaries: Q&A #2452Jim and Chris discuss listener and forum questions relating to Social Security benefits, IRMAA, RMDs, annuities, and beneficiaries. Chris kicked off the episode with a bold dare, promising listeners the “best show of the year” since it’s the last one for 2024. Jim took the challenge seriously, turning it into a record-breaking two-hour extravaganza with seven questions. (Hopefully Chris has learned his lesson!) (10:45) The guys address a Social Security question on a financial services forum Jim follows. (22:30) A listener follows up on a prior episode to ask about spousal and child-in-care benefits when Social Security’s family...2024-12-281h 57

The Retirement and IRA ShowIndividualized Retirement Planning Strategies: EDU #2452Jim and Chris continue discussing different approaches to retirement planning, focusing on a listener’s DIY strategy. They cover key topics like withdrawal strategies, risk management, and tax considerations, emphasizing personalized solutions to fit individual goals. The post Individualized Retirement Planning Strategies: EDU #2452 appeared first on The Retirement and IRA Show. 2024-12-251h 03

The Retirement and IRA ShowIRMAA, 457b, QCDs, and Roth Conversions: Q&A #2451Jim and Chris discuss listener questions relating to IRMAA, Social Security benefits, 457B plans, Qualified Charitable Distributions, and Roth conversions. (8:30) The guys address a listener question about using form SSA-44 to appeal IRMAA surcharge. (20:45) George seeks clarity on whether and how his wife’s 457 plan distributions will impact their Social Security benefits. (42:00) A PSA from Georgette shares her experience with using check-writing from an IRA for QCDs. (46:00) Jim and Chris weigh in on advice given to a widow about converting her late husband’s SIMPLE IRA to a Roth IRA. (1...2024-12-211h 37

The Retirement and IRA ShowCharitable Remainder Trusts Part 1: EDU #2451 Jim and Chris welcome on another member of the JSA team – Paul Neiffer, CPA – to discuss Charitable Remainder Trusts. They dive into what they are and how you might use them. The post Charitable Remainder Trusts Part 1: EDU #2451 appeared first on The Retirement and IRA Show. 2024-12-181h 08

The Retirement and IRA ShowIRMAA, Spousal Benefits, IRA Withdrawals, QCDs, and Roth Contributions: Q&A #2450Jim and Chris discuss listener questions relating to IRMAA, SS Spousal Benefits, IRA withdrawals, Qualified Charitable Donations, and Roth contributions. (6:45) A listener looks for assistance filling out form SSA-44 to have his IRMMA surcharge reevaluated. (24:15) George wonders if his wife claiming her Social Security benefits early will reduce her spousal benefit when he takes his SS at full retirement age. (36:00) Jim and Chris share a listener’s perspective on the advantages of paying federal taxes with an IRA withdrawal. (39:15) The guys weigh in on using the check-writing ability from an IRA to...2024-12-1459 min

The Retirement and IRA ShowRetirement Planning Philosophy and Process Dialog: EDU #2450Jim and Chris once again welcome their colleague, Jake Turner, EA, and Candidate for CFP® certification, to the show. Together, they address listener questions and take a deeper dive into their retirement planning philosophy and process. The post Retirement Planning Philosophy and Process Dialog: EDU #2450 appeared first on The Retirement and IRA Show. 2024-12-111h 09

The Retirement and IRA ShowFamily Maximum Benefit, Means Test, QCDs, Tax Strategies, and SPIA Income: Q&A #2449Jim and Chris discuss listener questions relating to the Family Maximum Benefit, Means Test, Qualified Charitable Donations, tax strategies for pension benefits, and spreadsheet tracking of SPIA income. (10:00) Georgette asks about factoring in the Family Maximum Benefit while deciding when to start taking Social Security (19:30) A listener looks for a better understanding of Survivor Benefits and the means test. (32:30) Jim and Chris discuss whether someone can continue to use the same QCD in an Inherited IRA. (40:15) The guys dive into a question about tax strategies relate to a defined pension benefit.2024-12-071h 15

The Retirement and IRA ShowCommon Estate Planning Mistakes: EDU #2449Chris is joined by estate planning attorney Shelley Thompson while Jim is traveling. Chris and Shelley discuss common mistakes people make with their Wills. The post Common Estate Planning Mistakes: EDU #2449 appeared first on The Retirement and IRA Show. 2024-12-041h 06

The Retirement and IRA ShowSocial Security, Annuity RMDs, and Being a CFP: Q&A #2448Jim and Chris discuss listener questions relating to Social Security, Annuity RMDs, and next steps after passing the CFP exam. (5:30) George asks if you’re required to claim Social Security as soon as you turn 70. (13:00) The guys are asked for their input on Social Security claiming strategy. (21:00) Jim and Chris discuss whether there are differences in the handling of RMDs for different annuity types (SPIA, GMWB, and GMIB). (36:30) A listener just passed their CFP exam (a big congrats from the whole team at JS&A!) and asks for the guys’ input on r...2024-11-3055 min

The Retirement and IRA Show60-day Rollover Conversion Strategy: EDU #2448Jim and Chris received an email from a listener asking about completing a Roth conversion using a 60-day rollover. In response, they decided to take a dive deep into the topic, exploring what they call the “60-day rollover conversion” strategy. The post 60-day Rollover Conversion Strategy: EDU #2448 appeared first on The Retirement and IRA Show. 2024-11-271h 00

The Retirement and IRA ShowEarnings Test, IRMAA, Survivor Benefits, 529 Plans, and SPIAs: Q&A #2447Jim and Chris sit down to answer listener questions related to Social Security, 529 Plans, and SPIA payments… (6:30) A listener wonders if they will be subject to the Social Security earnings test. (14:30) The guys weigh in on if/how a Roth conversion would impact an IRMAA appeal. (30:30) Chris answers whether there is a time limit to apply for Survivor Benefits. (46:30) George asks whether moving money from a 529 plan to a Roth is considered a conversion. (referenced article) (1:04:30) The guys offer clarity on the timing for RMDs and Qualified Charitable Donations wi...2024-11-231h 24

The Retirement and IRA ShowRoth Conversions and RMDs: EDU #2447Jim and Chris sit down for a Discussion edition of the EDU series to talk through some listener questions on RMDs in relation to Roth Conversions (’tis the season!). The post Roth Conversions and RMDs: EDU #2447 appeared first on The Retirement and IRA Show. 2024-11-201h 10

The Retirement and IRA ShowSocial Security Benefits, Roth Conversions, and RMDs: Q&A #2446Jim and Chris discuss listener questions relating to Social Security, Roth conversions, and RMDs. (11:00) George wonders if his wife is eligible for Social Security benefits while taking care of an adult disabled child even if he is still working and has not applied for SS yet. (19:00) Chris tackles an interesting Social Security survivor benefits strategy question. (28:15) A listener looks for clarity on timing his Roth conversion in relation to his monthly IRA SPIA payouts. (49:45) The guys expand on RMD rules and how they apply to MYGAs. (1:00:00) Jim and Chris...2024-11-161h 11

The Retirement and IRA ShowSECURE Act Updates: EDU #2446Jim and Chris sit down for another EDU show discussing updates to the SECURE Act that Jim brought back from the recent Ed Slott conference. The post SECURE Act Updates: EDU #2446 appeared first on The Retirement and IRA Show. 2024-11-1359 min

The Retirement and IRA ShowSocial Security, RMDs, QLACs, and Buffered ETFs: Q&A 2445Jim and Chris sit down to discuss listeners questions relating to Social Security, RMDs, QLACs, and Buffered ETFs… (12:30) The guys are asked if dual citizenship will affect Social Security benefits. (20:30) George looks for clarity on Social Security’s family maximum rules. (30:00) Chris explains the reduction factor when claiming a spousal Social Security benefit. (35:45) The guys address some confusion a listener had with a recent article talking about Roth conversions once somebody begins their required minimum distributions (RMDs). (54:30) Jim and Chris discuss what happens if somebody wants to open a Qual...2024-11-091h 25

The Retirement and IRA ShowStretch IRA Rules and More: EDU #2445Jim and Chris sit down to discuss a few things Jim brought back from his recent Ed Slott conference including a discussion of ALAR (10-year RMD rule) and stretch IRAs. The post Stretch IRA Rules and More: EDU #2445 appeared first on The Retirement and IRA Show. 2024-11-061h 00

The Retirement and IRA ShowMedicare, Roth Conversions, Spousal Benefits, 401(k) Contributions, and RMDs: Q&A #2444Jim and Chris (and Jake too!) sit down to answer some listener questions about Medicare, Roth conversions, Social Security, and 401k catch up contributions… (10:00) George wonders how his wife’s ACA premium tax credits will be affected for the first part of the year if he increases his income after she turns 65 and enrolls in Medicare. (23:45) The guys discuss a listener’s query on how much to convert to a Roth now that she is in a low tax bracket. (48:30) A listener looks for answers on his wife’s Social Security benefits strategy. ...2024-11-021h 40

The Retirement and IRA ShowHow Listeners are Implementing Our Planning Process: EDU #2444On this week’s EDU Discussion edition Jim and Chris welcome back Jake Turner, a fellow planner from the JSA team, as they take some time to opine on how some listeners are implementing their own versions of our retirement planning process. The post How Listeners are Implementing Our Planning Process: EDU #2444 appeared first on The Retirement and IRA Show. 2024-10-301h 40

The Retirement and IRA ShowSocial Security WEP and GPO Special: Q&A #2443With Jim attending an Ed Slott conference, Chris takes some time to answer a WEP and GPO question before offering listeners general information on Social Security changes for 2025 and a detailed walkthrough of the WEP and GPO provisions of Social Security. (6:30) George asks for more information on whether Social Security offsets are adjusted due to taking a pension early vs later. The post Social Security WEP and GPO Special: Q&A #2443 appeared first on The Retirement and IRA Show. 2024-10-261h 08

The Retirement and IRA ShowQualified Annuities and IRA Deep Dive: EDU #2443Jim and Chris first talk about the “Qualified Annuity Stretch” before starting a deep dive into the IRA portion of “The Retirement and IRA Show” with a discussion of 9 of Ed Slott’s “top 23 questions advisors ask”. The post Qualified Annuities and IRA Deep Dive: EDU #2443 appeared first on The Retirement and IRA Show. 2024-10-231h 12

The Retirement and IRA ShowQualified Accounts, Social Security, Medicare, HSAs, and Roth Conversions: Q&A #2442Jim and Chris sit down to discuss listeners questions relating to Qualified Accounts, Social Security, Medicare, HSAs, and Roth Conversions. (6:45) The guys clarify the meaning of the word qualified when it applies to retirement accounts as pointed out by a listener to their podcast (13:00) Georgette is curious how child-in-care family max is affected by divorce. (25:00) Listeners provide some clarification on Medicare Part G, signing up for Medicare, and the Medicare Part D cap (see below for a link to more info). (38:00) The guys weigh in on HSA contributions prior to Medicare e...2024-10-1955 min

The Retirement and IRA ShowMedicare Enrollment Assistance Special Episode: EDU #2442With Medicare open enrollment season here, Jim and Chris welcome a special guest, Brad Grier, who volunteers with the Nebraska State Health Insurance Assistance Program (SHIP). Brad talks with the guys about what SHIP is and how it might be helpful to you in your state. The post Medicare Enrollment Assistance Special Episode: EDU #2442 appeared first on The Retirement and IRA Show. 2024-10-161h 30

The Retirement and IRA ShowSocial Security Benefits and Roth IRA Annuities: Q&A #2441Jim and Chris sit down to discuss listener questions relating to Social Security benefits then return to a question from last week to take a deeper look at Roth IRA Annuity payments… (18:00) A listener asks if he might be able to collect full Social Security benefits while working part-time for a local government job. (25:45) Georgette hopes for some help before she meets with Social Security to determine if she should take survivor benefits now. (38:00) Jim and Chris revisit a question from last week. This week they dive deeper into the listener’s question addr...2024-10-121h 36

The Retirement and IRA ShowMedicare Insurance Special: EDU #2441With Medicare open enrollment season approaching, Jim and Chris welcome a special guest, Tyler Haskell, CFP. Tyler has been a Medicare Insurance Broker for 12 years, helping people navigate the complexities of the Medicare system. The post Medicare Insurance Special: EDU #2441 appeared first on The Retirement and IRA Show. 2024-10-091h 25

The Retirement and IRA ShowSocial Security, Retirement Planning, 529 Savings Accounts, Roth Losses, and FIAs: Q&A #2440Jim and Chris sit down to discuss listener questions relating to Social Security benefits, planning with the potential for an SO, funding a 529 savings account, losses in a Roth IRA, and Fixed Indexed Annuities… (9:00) A listener hopes Chris can tell him if having a different name on his Birth Certificate and Social Security card is going to be an issue when he applies for benefits. (14:30) Georgette asks for advice on filing Social Security survivor benefits and spousal benefits. (34:30) A fellow single asks how Jim budgets and plans for the potential of a future pa...2024-10-051h 25

The Retirement and IRA ShowOur Retirement Planning Process: EDU #2440Jim and Chris sit down for another EDU show dedicated to our retirement planning process. In this episode the guys dialog with listeners, answering questions and expounding on key ideas. The post Our Retirement Planning Process: EDU #2440 appeared first on The Retirement and IRA Show. 2024-10-021h 39 $Director\'s Club$ Director's ClubEpisode 228: Jeremy Saulnier (feat. Mitchell Beaupre)It's been six weeks since a new episode of the show but this will be worth the wait, given not only the director we're covering but the guest is one of the best film critics working today. Letterboxd's very own Mitchell Beaupre returns after their debut a couple years ago for a nail-biting discussion on one of our premiere action-thriller directors working today. Jeremy Saulnier has a terrific new movie out on Netflix called Rebel Ridge which we review at length in addition to the rest of his filmography. For the first half hour though after the i...2024-09-302h 18

The Retirement and IRA ShowBuffered ETFs Special Episode: Q&A #2439Jim and Chris welcome back special guest Matthew Kaufman, from Calamos Investments, to answer a series of listener questions on buffered/principle protected ETFs … (13:00) Georgette wants to know how an ETF and those invested in it are affected if the managing firm goes bankrupt. (22:00) A listener wonders how to assess an appropriate risk /reward with all of the variables involved with buffered ETFs and if there are any tools or approaches available to help. (37:15) The guys offer a listener some clarity on downside protection. (50:15) George asks about best- and worst-case scenarios wi...2024-09-281h 36

The Retirement and IRA ShowEstate Planning Special Edition: EDU #2439Jim and Chris welcome back Estate Planning Attorney, Shelly Thompson in this special EDU edition turned Q&A… (8:30) A listener asks how to find a reputable estate lawyer and if there are any books Shelly recommends for learning more about Living Trusts. (20:00) George wonders what the best practice is for making funds available to an executor that in not named as an account beneficiary. The gang also tackles a question on which type of account to pay estate taxes from. (39:15) A question about the legality of a bank refusing to accept a Power of...2024-09-251h 25

The Retirement and IRA ShowSocial Security Child-in-Care, Disability, and Survivor Benefits; and Conduit Trusts: Q&A #2438Jim and Chris sit down to discuss listener questions relating to Social Security Child-in-Care, Disability, and Survivor Benefits, as well as Conduit Trusts… (20:00) A listener asks if he qualifies for child-in-care benefit under his wife’s Social Security since he helps care for their disabled son, and if the son could be getting half of her Social Security. Chris also answers whether George’s brother-in-law can get Social Security Disability after a lung cancer diagnosis. (34:30) A listener looks for clarity on their Social Security benefits since they are already collecting survivor benefits. (48:30) George asks t...2024-09-211h 33

The Retirement and IRA ShowOur Retirement Planning Process and Philosophy Part 13: EDU #2438Jim and Chris finish their long-running series about their retirement planning process with a final discussion about asset positioning. The post Our Retirement Planning Process and Philosophy Part 13: EDU #2438 appeared first on The Retirement and IRA Show. 2024-09-181h 39

The Retirement and IRA ShowCOLA, WEP, and Annuities: Q&A #2437Jim and Chris sit down to discuss listener questions relating to Social Security (COLA and WEP), perspectives on annuities, and Delayed Variable Income Annuities… (9:15) A listener wants to know if there is better way to project Social Security benefits since it does not appear the SS website takes COLA into account. (17:30) Georgette asks if the Social Security spousal benefit is also subject to WEP. (31:45) Another week, another AI joke to share. (34:00) The guys discuss a listener’s perspective on their conversation last week about “winning” or “losing” with annuities. (47:00) George write...2024-09-141h 33

The Retirement and IRA ShowOur Retirement Planning Process and Philosophy Part 12: EDU #2437Jim and Chris continue the recent series on their philosophy/approach to retirement planning and their positioning approach for retirement spending. The post Our Retirement Planning Process and Philosophy Part 12: EDU #2437 appeared first on The Retirement and IRA Show. 2024-09-111h 10

The Retirement and IRA ShowSocial Security Disability, AI Jokes, Reverse Mortgages, and Inherited IRAs: Q&A #2436Jim and Chris sit down to discuss listener questions relating to Social Security Disability, Minimum Dignity Floor, Reverse Mortgages, and Inherited IRAs… (4:00) George wonders if he continues to work and his Social Security benefit is reduced to $0, if that also make his wife’s spousal benefit and child’s disability benefit $0. (16:15) Chris answers another SS Disability Benefits question for a wife who wants to know if her disabled daughter will still receive benefits from her husband’s SS if he passes away. (23:30) As only Jim and Chris can, the guys turn a listener’s IA genera...2024-09-071h 20

The Retirement and IRA ShowOur Retirement Planning Process and Philosophy Part 11: EDU #2436Jim and Chris continue the recent series on their philosophy/approach to retirement planning and discuss how their “positioning” approach differs from the classic “bucket” approach to saving and budgeting. The post Our Retirement Planning Process and Philosophy Part 11: EDU #2436 appeared first on The Retirement and IRA Show. 2024-09-041h 09

The Retirement and IRA ShowSocial Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks : Q&A #2435Jim and Chris sit down to discuss listener questions relating to Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks. (6:30) George hopes Chris can confirm his Social Security math and give some input on when his wife should claim her benefits. (17:30) A listener looks for clarification on whether his wife can claim her Social Security Benefits early then switch to full spousal benefits when he takes his full benefit. (25:00) Jim and Chris share a listener’s joke – punny stuff! (31:00) George asks why an annual SPIA payment ends up being less than...2024-08-311h 15

The Retirement and IRA ShowOur Retirement Planning Process Questions Answered: EDU #2435With Jim out sick, one of the other planners at Jim Saulnier & Associates, Jake Turner, joins Chris to discuss some questions that have come in about the retirement planning process. The post Our Retirement Planning Process Questions Answered: EDU #2435 appeared first on The Retirement and IRA Show. 2024-08-281h 19

The Retirement and IRA ShowSocial Security, Long-Term Care, Child-In Care Benefits, Annuities, and Tax Credits: Q&A #2434Chris discusses listener questions relating to Social Security, long-term care, child-in-care benefits, annuities, and tax credits. (5:00) Chris chats about a Social Security press release regarding the overpayment burden for Social Security beneficiaries. (12:15) A listener looks for clarification on how much long-term care (LTC) coverage we’d recommend based on their situation. (18:00) George asks about children claiming a Social Security survivors benefit and their total family maximum benefit. (33:15) A listener wonders about child-in-care benefits for their daughter given her situation. (42:45) Georgette asks if the starting payments from a deferred annuity wi...2024-08-241h 08

Retiring With EnoughAn Interview With Jim Saulnier, CFP™Send us a textJoin me for a one-on-one conversation with Jim Saulnier, CFP™ and Co-Host of “The Retirement & IRA Show,” where Jim discusses retirement focused questions and questions about his retirement plans.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share 2024-04-3049 min $Director\'s Club$ Director's ClubPop Culture Club: Jeremy Saulnier, John Carney, Shelby Sifers!I have one heck of a lineup in store for you. A format that I hope to do more of as the year continues. For this special edition of Pop Culture Club, I talk with two directors and then one musician -- all inspired in different ways but linked via their love of music. For the first interview, I talk with BLUE RUIN director Jeremy Saulnier about his latest foray into genre filmmaking -- this time, he tackles the world of hardcore punk rock combined with a seige picture in the visceral knockout GREEN ROOM. Secondly, I spoke...2016-04-211h 24

Aging Well For Life33: The Big Changes Coming to Social Security That You Need to Know About NowIn Episode 23, Certified Financial Planners Jim Saulnier and Chris Stein talk about the present state of Social Security and specifically focus on the big changes that will be taking effect as a result of the 2015 Federal Budget that just passed on November 2nd of 2015. Trust me, this is not a boring lecture on finances. HEADS UP! This is very important information that will directly affect millions of us baby boomers! Jim Saulnier is a certified financial planner who specializes in retirement planning and Chris Stein is a Certified Financial Planner and a full-time instructor in the f...2015-11-2449 min