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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118 epizód
Social Security, HSA Held Annuities, IRA Annuities: Q&A #2541
Jim and Chris discuss a listener PSA on estimating early retirement benefits, followed by questions on Social Security benefit calculations and reduct...
Military Retirement Planning: EDU #2541
Chris’s Summary:Jim and I are joined by Rear Admiral Brian Luther to discuss veterans benefits and military retirement planning. We explore how Navy M...
Social Security, Roth Conversions, RMD Calculations: Q&A #2540
Jim and Chris discuss listener questions on Social Security spousal benefits, a listener PSA on IRMAA repayment silence, IRMAA reduction eligibility a...
Delay Period Strategy: EDU #2540
Chris’s SummaryJim and I return for an EDU dialogue episode focused on a listener’s delay period strategy. His plan includes laddered CDs, equity ETFs...
Social Security, 60-Day Rollover, Inherited IRA, and Deferred Income Annuity: Q&A #2539
Jim and Chris discuss listener questions on Social Security disability, dependent benefits for an adult child, a 60-day rollover nuance, inherited IRA...
Tax Planning Strategies: EDU #2539
This week, with Jim away at a conference, Chris is joined by Jake for an EDU episode that takes the shape of a Q&A, focusing on tax planning strategie...
IRMAA, Widow Status, Roth Conversions, Annuity RMDs, and Rollovers: Q&A #2538
Jim and Chris discuss listener questions on IRMAA reductions and Roth-conversion effects, widow filing status and IRMAA, in-kind stock Roth conversion...
Discussing An Article On Retirement Planning: EDU #2538
If you would like to skip over Chris and Jim chatting about a recent Colorado hail storm and Jim’s garden while he’s in Ohio, please skip to the 7:45...
Social Security, Account Consolidation, and MYGA Selection: Q&A #2537
Jim and Chris discuss a listener PSA on WEP treatment for foreign pensions, followed by questions on Social Security strategies, benefit calculators,...
Planning for Taxes in Retirement: EDU #2537
If you would like to skip over Chris and Jake chatting about Jake’s recent trip to Ireland you can go to 7:00. Chris’s SummaryI am joined by Jake toda...
Social Security, HSA Reimbursements, and MYGAs: Q&A #2536
Jim and Chris discuss listener questions on surviving spouse Social Security benefits and Roth conversions, SSDI and pensions, the Social Security Fai...
Behavioral Finance in Retirement Planning: EDU #2536
Chris’s SummaryJim and I look at behavioral finance in retirement planning, noting that spending from secure income feels safer while drawing from ass...
Social Security, Risk Philosophy, Fraternal Benefit Societies, Roth Conversions: Q&A #2535
Jim and Chris discuss listener questions on Social Security timing rules, retroactive benefits for an ex-spouse, investment strategy philosophy, frate...
Roth Catch Ups and the 60-Day Rollover Rule: EDU #2535
If you are not in the mood for Jim and Chris’s delightful banter, you can skip ahead to (5:45). It should be noted that of all the episodes to start s...
Social Security, PSA, Annuities, RMD Rules: Q&A #2534
Jim and Chris discuss listener questions on Social Security retroactive payments and delayed retirement credit timing, share a listener PSA on horse s...
Catch Up Contributions: EDU #2534
Chris’s Summary Jim and I review catch up contributions across IRAs and workplace plans using questions from the Ed Slott training quiz. We clarify th...
Social Security, Inherited Roth, and IRMAA: Q&A #2533
Jim and Chris discuss listener questions on Social Security spousal benefits, filing logistics and spousal eligibility with a disabled child, an inher...
Funding Discretionary Spending: EDU #2533
Chris’s SummaryJim and I continue discussing funding discretionary spending in Robert Merton’s three bucket retirement income framework from last week...
Social Security, Roth Conversions, Annuities, and Rule of 55: Q&A #2532
Jim and Chris discuss listener questions on Social Security timing strategies, Roth conversions in an RMD year, annuity return calculations, account s...
Retirement Income Versus Savings: EDU #2532
Chris’s SummaryJim and I review a recent article featuring Robert Merton’s views on retirement income versus savings, using it as a springboard to unp...
Ohio, Medicare, Social Security, Roth 401k, and Annuities: Q&A #2531
Jim and Chris discuss Jim’s relocation experience to Ohio, a listener PSA on Medicare, questions about Social Security payment timing and divorce elig...
Buffered ETFs vs Stocks and Cash: EDU #2531
Chris’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...
Social Security, Transition Planning, Positioning, Roth Conversions, IRMAA: Q&A #2530
Chris is joined by Jake and Jacob to answer listener questions on Social Security, followed by a PSA about unexpected Social Security payment timing,...
Living Benefits on Annuities: EDU #2530
Chris’s SummaryJim and I explain living benefits on annuities, covering how guaranteed income riders work and why they can appeal to those hesitant to...
Social Security, SPIA Taxation, IRMAA, Roth Conversions: Q&A #2529
Chris and Jake address listener questions on Social Security, single premium immediate annuity (SPIA) taxation, IRMAA impacts from NQDC payments, and...
Social Security, Annuities, Roth and Roth TSP 5-Year Rule: Q&A # 2528
Jim and Chris answer listener questions on Social Security filing and its effect on HSA eligibility, Social Security means testing, the timing of annu...
OBBBA Tax Changes Explained: EDU #2528
Chris’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 bra...
Social Security, Pension Buyouts, and Managed Payout Funds: Q&A #2527
Jim and Chris answer listener questions on Social Security family maximum rules, spousal and disabled child benefits, defined benefit pension concerns...
Broker vs Advisor Sold RILAs: EDU #2527
Chris’s Summary:Jim and I examine broker vs advisor sold RILAs using real cap rate comparisons from 2024 to highlight how identical contracts can offe...
PSAs, Spousal Benefits, Annuity Use Cases, and FIAs: Q&A #2526
Jim and Chris shares listener PSAs on IRMAA and Delayed Retirement Credits, and answer questions on Social Security Spousal Benefits, annuity use case...
RILAs vs Buffered ETFs: EDU #2526
Chris’s Summary:Jim and I explore registered index-linked annuities and compare RILAs vs buffered ETFs across liquidity, taxation, and cap rate dynami...
Social Security PSAs, FIAs, SPIAs, and MYGAs: Q&A #2525
Jim and Chris begin with three PSAs on Social Security experiences, then answer questions on fixed indexed annuities with market value adjustments, SP...
Fixed Indexed Annuities: EDU #2525
Chris’s Summary:Jim and I continue our focus for Annuity Awareness Month by explaining how fixed indexed annuities work and the regulatory nuances tha...
Social Security, HSA Rules, SPIA Funding, and FIA Details: Q&A #2524
Jim and Chris address questions on Social Security survivor benefits, unreimbursed HSA expenses, SPIA funding from multiple accounts, and Fixed Indexe...
Understanding Annuity Types and Features: EDU #2524
Chris’s Summary:Jim and I discuss annuity types and features during Annuity Awareness Month, focusing on immediate vs. deferred annuities and fixed vs...
Bond ETFs, Social Security, 401k Annuities, and Annuitization: Q&A #2523
Jim and Chris answer questions on defined maturity bond ETFs, Social Security account linking and spousal offsets, 401k annuities vs IRA Annuities, an...
Annuities in Retirement Planning: EDU #2523
Chris’s Summary:Jim and I kick off our annual Annuity Awareness Month series by explaining how using annuities in retirement planning can help manage...
Social Security Filing, Roth 5-Year Rule, HSA Strategy, and Bond Principal: Q&A #2522
Jim 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...
Flexible Retirement Spending: EDU #2522
Chris’s Summary:Jim, Jake, and I use this Dialogue EDU episode to explore how we approach flexible retirement spending. We respond to listener emails...
Social Security, IRA Basis, and Roth 5-Year Rule: Q&A #2521
Jim and Chris answer listener questions on Social Security timing, the Earnings Test, nondeductible IRA basis, and the Roth 5-Year Rule. (16:15) Georg...