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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 with Jim Saulnier and Associates who specializes in retirement planning for clients across the country, CHRIS STEIN, a Finance Instructor at Colorado State University who is also a CERTIFIED FINANC ...
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The Retirement and IRA Show
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Retiring With Modest Savings: EDU #2104
1:15:41
1:15:41
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Jim and Chris discuss a couple older emails from listeners’ surrounding the topic of retiring with a modest amount of savings. The post Retiring With Modest Savings: EDU #2104 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
Jim and Chris sit down with in-house long term care (LTC) specialist, Greg Darden to discuss the details of long term care and aging assistance. (Intro) Jim, Chris, and Greg discuss and address listeners’ comments relating to long term care insurance. (32:45) A Coloradoan asks for clarification on a long term care partnership policy. (44:20) A list…
Jim and Chris sit down to discuss the timely topic of tax forms relating to IRAs as well as other retirement accounts. The post IRAs and Related Tax Forms: EDU #2103 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
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The Retirement and IRA Show
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Pensions, IRAs, RMDs, 401k Rollovers: Q&A #2103
1:10:48
1:10:48
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1:10:48
Jim and Chris discuss listeners’ questions relating to pensions, inherited IRAs, required minimum distributions (RMDs), and 401k rollovers. (4:30) George asks for an opinion on taking a lump-sum pension buyout from his employer to try and avoid taxes. (14:45) A Michigan listener asks about how to handle the transfer of an inherited IRA from one cus…
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The Retirement and IRA Show
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Self-Funding LTC Expenses and Aging Assistance: EDU #2102
1:30:33
1:30:33
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1:30:33
Jim and Chris sit down with in-house long term care (LTC) expert, Greg Darden, to discuss self-funding LTC expenses and aging assistance. The post Self-Funding LTC Expenses and Aging Assistance: EDU #2102 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
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The Retirement and IRA Show
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Spousal Benefits, Non-Deductible IRAs, MYGAs, and Mega Backdoor Roths: Q&A #2102
1:23:15
1:23:15
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1:23:15
Jim and Chris discuss and answer listeners’ questions on Social Security Spousal Benefits, Non-Deductible IRAs, Multi-Year Guaranteed Annuities, and Mega Backdoor Roths. (5:42) A listener asks a question about Social Security Spousal Benefits. (16:25) A Pennsylvanian wants to know how conversions impact cost basis in Non-Deductible IRAs. (37:45) An…
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The Retirement and IRA Show
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LTC Policies and Considerations: EDU #2101
1:30:30
1:30:30
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1:30:30
Jim and Chris sit down with in-house long term care (LTC) specialist, Greg Darden, to discuss different LTC policies and considerations. The post LTC Policies and Considerations: EDU #2101 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
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The Retirement and IRA Show
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Taxes, Roth Conversions/Contributions, Hardship Exceptions, and Inherited IRAs: Q&A #2101
1:22:16
1:22:16
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1:22:16
Jim and Chris answer listeners’ questions and discuss topics relating to taxes, Roth conversions, Roth contribution rules, hardship exceptions, and inherited IRAs. (8:00) Bob, our in-house CPA, provides a talking point about skipping RMDs in 2020 and the possibility of a delayed tax penalty for those who withhold taxes in 2021. (12:30) A colleague …
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The Retirement and IRA Show
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Medical Issues, LTC, and Retirement Planning: EDU #2051
1:08:18
1:08:18
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1:08:18
Chris welcomes Jim back to the podcast to discuss his medical issue and the long term effects medical issues can have on retirement plans. The post Medical Issues, LTC, and Retirement Planning: EDU #2051 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
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The Retirement and IRA Show
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Social Security, IRMAA, Home Equity, and LTC: Q&A #2051
49:02
49:02
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49:02
Chris sits down to answer questions about Social Security, IRMAA, home equity, Roth conversions, and LTC (long-term care). (3:15) A Virginian listener asks a question relating to delayed retirement credits and rules surrounding the claiming of Social Security. (15:10) A listener from Indiana asks for clarification on the impacts of IRMAA. (22:45) A…
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The Retirement and IRA Show
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Non-Financial Retirement Issues: EDU #2050
50:29
50:29
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Chris sits down with special guest, Kevin Lyles, to discuss some important non-financial retirement issues. The post Non-Financial Retirement Issues: EDU #2050 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
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The Retirement and IRA Show
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IRAs, Social Security, ERISA Rules, and Roth Conversions: Q&A #2050
47:38
47:38
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47:38
Chris discusses and answers five listeners’ questions relating to IRAs, Social Security, ERISA rules, and Roth conversions. (2:45) A listener asks a question about why a beneficiary would ever want to disclaim a portion of the inherited IRA. (13:10) A Texan listener asks what the best time for his wife to claim her spousal Social Security benefits …
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The Retirement and IRA Show
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Tax Brackets and Income Stacks: EDU #2049
46:41
46:41
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Chris sits down with our in-house tax specialist and CPA, Bob Palechek, to discuss tax brackets and “income stacks”. The post Tax Brackets and Income Stacks: EDU #2049 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
Chris answers listeners’ interesting and compelling questions relating to Social Security rules and RMDs (Required Minumum Distributions). (2:45) George asks for confirmation on the rules/benefits for his mother retroactively filing for her Social Security benefit. (8:10) A listener from Missouri asks about the penalties and frequency of penalties …
Chris sits down to discuss the important and often confusing Social Security topic of the widow’s indexed primary insurance amount (WINDEX). The post Social Security and WINDEX: EDU #2048 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
Chris provides a brief update on Thanksgiving break and when we’ll be back to regularly scheduled programming. The post Thanksgiving Break: QA appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
Chris provides a brief update about the upcoming Thanksgiving break and when we’ll be back to regularly scheduled programming. The post Thanksgiving Break: EDU appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
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The Retirement and IRA Show
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Social Security, Rollover Options, and IRA Conversions: Q&A #2047
49:59
49:59
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49:59
Jim and Chris discuss listeners’ questions relating to Social Security, Rollover Options, and IRA conversions. (2:00) George from Chicago asks a question about when the overall best time to claim Social Security is. (10:50) A listener from North Carolina asks for advice on taking a lump sum buyout from his employer and rolling it into his 401k or I…
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The Retirement and IRA Show
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Coronavirus Related Distributions (CRDs) Part 1: EDU #2046
58:49
58:49
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58:49
Jim and Chris begin to clarify the details on coronavirus related distributions (CRDs) and the tax implications surrounding them in this first part of the CRD focused EDU show. The post Coronavirus Related Distributions (CRDs) Part 1: EDU #2046 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
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The Retirement and IRA Show
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Social Security “Grace Years”, IRAs, QCDs, RMDs, and Taxes: Q&A #2046
58:23
58:23
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58:23
Jim and Chris discuss listeners’ comments and questions relating to Social Security “grace years”, IRAs, QCDs, RMDs, and Taxes. (Intro) Jim and Chris read an incredibly generous “thank you” email from Georgette in California and address what a “grace year” means for Social Security. (16:55) A listener asks for clarification on an older article writ…
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The Retirement and IRA Show
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Roth Conversions and “210 Considerations”: EDU #2045
51:09
51:09
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51:09
Chris sits down with our in house CPA, Bob Palechek, for a tax-focused podcast on Roth conversions and what Jim calls, “210 considerations”. The post Roth Conversions and “210 Considerations”: EDU #2045 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
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Spousal Benefits, Social Security, Indexed Universal Life policies, and Backdoor Roth IRAs: Q&A #2045
1:03:35
1:03:35
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Jim and Chris answer listener questions about spousal benefits, tax withholdings on Social Security benefits, Indexed Universal Life policies, and Backdoor Roth contributions. (6:15) An Arizonian wants to know more information on claiming spousal Social Security benefits at their Full Retirement Age (FRA). (14:30) George asks a question about withh…
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The Retirement and IRA Show
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Year of Death RMDs and Inherited IRAs: EDU #2044
1:04:00
1:04:00
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1:04:00
Jim and Chris discuss the ten things you need to know about “year of death” required minimum distributions and inherited IRAs. The post Year of Death RMDs and Inherited IRAs: EDU #2044 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
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The Retirement and IRA Show
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Social Security, Minimum Dignity Floor, ERISA, and Roth IRA Contributions: Q&A #2044
1:10:43
1:10:43
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Jim and Chris answer listener questions about Social Security, The Minimum Dignity Floor, ERISA, and Roth IRA Contributions. (7:30) A listener wonders where to start when deciding which withholding rate to choose for Social Security benefits. (18:55) John Jacob Jingleheimer Schmit from Kentucky asks about Social Security claiming strategies to cove…
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The Retirement and IRA Show
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Addressing a Listeners Investment Questions: EDU #2043
1:04:42
1:04:42
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Jim and Chris sit down to discuss one particular listener’s current retirement/investment situation and provide their unique input. The post Addressing a Listeners Investment Questions: EDU #2043 appeared first on The Retirement and IRA Show.By Jim Saulnier, CFP® & Chris Stein, CFP®
