The Retirement and IRA Show
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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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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. Philip Snyder, 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...
HSA Reimbursement, Social Security, Conduit Trusts: Q&A #2612
Jim and Chris discuss listener emails, opening with listener PSAs on Medicare Advantage HSA reimbursement eligibility, then moving into questions on S...
Ed Slott Quiz – Widow(er) Tax Penalty and Inherited IRA Rules: EDU #2611
Chris’s Summary
Jim and I discuss the Ed Slott quiz questions from his November advisor training, opening with the widow/widower tax pena...
Tax Filing, Health Insurance, iBonds, RMDs, Roth Conversions: Q&A #2611
Chris is joined by Jake Turner to discuss listener emails on tax filing for mega backdoor Roth contributions, use of HSA funds, I Bonds redemption tim...
Retirement Planning With a Defined Benefit Pension: EDU #2610
Chris’s Summary
With Jim at the T3 conference in New Orleans, I am joined by Jake Turner to cover how to factor a defined benefit pension...
IRMAA, RMDs, Conduit Trust: Q&A #2610
Jim and Chris discuss listener emails on PSAs regarding IRMAA reimbursements, RMD in-kind transfers, and naming a conduit trust as a retirement accoun...
Fisher’s 99 Retirement Tips, Part 2: EDU #2609
Chris’s Summary
Jim and I continue our discussion on 99 Retirement Tips from Fisher Investments, picking up where we left off last week....
Social Security, IRMAA, Disclaiming Inheritances, Roth Conversions: Q&A #2609
Jim and Chris discuss listener emails on Social Security survivor benefits, IRMAA relief and the SSA-44 process, the Social Security earnings test, di...
Fisher’s 99 Retirement Tips: EDU # 2608
Chris’s Summary
Jim and I review Fisher Investments’ 99 Retirement Tips and begin working through the list, covering only a handful in this epis...
Tax Special – Conversions, Contributions, HSAs, Tax Returns, Tax Software PSA: Q&A #2608
Jim and Chris are joined by Jake Turner to discuss listener emails in this special tax related episode covering Roth conversions after RMD age, balanc...
Using Buffered ETFs: EDU #2607
If you would rather not listen to the guys’ banter about Jacob’s upcoming move to Iowa, Jim’s garden planning, and a listener correction about the wor...
Medicare, Social Security, Inherited Roth, Annuities: Q&A #2607
Jim and Chris discuss listener emails on Medicare Part B decisions for retirees abroad, Social Security survivor benefit surprises, inherited Roth IRA...
Cash Balance Plans Part 2: EDU #2606
Chris’s Summary
Jim and I are joined by Steve Sansone as we revisit Cash Balance Plans and respond to listener follow-up emails.
(8:30) A...
IRMAA, Early Withdrawal Penalty, 403b Distributions: Q&A #2606
Jim and Chris discuss listener emails on IRMAA appeals using Form SSA-44, avoiding the 10% early withdrawal penalty, and whether a 403(b) distribution...
Retirement Spending Anxiety: EDU #2605
Chris’s Summary
Jim and I discuss spending anxiety in retirement using a Washington Post article written by a personal finance columnist describ...
Social Security, SPIAs, SEPP 72(t): Q&A #2605
Jim and Chris discuss listener emails on Social Security timing for HSA contributions, investing in a SPIA vs buffered ETFs, and using SEPP 72(t) inco...
Asset Positioning for Retirees: EDU #2604
If you’d like to skip over the guys chatting about cold weather and football you can to (8:15).
Chris’s Summary
Jim and I are joined by Ja...
Social Security, ERISA, LTC: Q&A #2604
Jim and Chris discuss listener emails on Social Security survivor benefits and the earnings test, share a listener PSA on Social Security timing and I...
Investing for Retirees: EDU #2603
If you want to miss all the fun banter about Jim’s Singo (song bingo) night and his trip to Kentucky and Amish country you can skip ahead to (16:00).<...
Social Security, HSA, and Annuities: Q&A #2603
Jim and Chris discuss listener questions on Social Security survivor benefits and divorce rules, a listener PSA on spousal benefits, HSA contribution...
Roth IRA Mistakes, Part 2: EDU #2602
Chris’s Summary
Jim and I continue last week’s EDU discussion on Roth IRA mistakes from an Investopedia article. We cover direct versus 60-day r...