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What do you get when you combine a talented CFP® PROFESSIONAL with a well-informed COLLEGE FINANCE INSTRUCTOR and a well respected Estate and Tax Planning Attorney? If you mix in relevant financial information and a healthy dose of humor for two hours on Saturday mornings 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 and residents of Northern Colorado, CHRIS STEIN, a Finance Instructor at Colorado State University who is also a CERTIFIED FINANCIAL PLANNER™ Professional, and PETER SCOTT, Esq., an estate and tax planning attorney with Coan, Payton and Payne, LLC offer real-world knowledge on a diverse range of topics including Social Security planning, Colorado PERA, investing for your retirement, the fundamentals of 401(k) and IRA accounts and estate planning. Jim, Chris and Peter make learning about your retirement, estate planning and even your taxes both educational and entertaining! Jim Saulnier, Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC to residents of: AZ, CO, MA, MD, TX and WY. No offers may be made to or accepted from any resident outside the specific states mentioned. Jim Saulnier, Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Financial Planning through Jim Saulnier and Associates, LLC. Cambridge and Jim Saulnier & Associates are not affiliated.

What do you get when you combine a talented CFP® PROFESSIONAL with a well-informed COLLEGE FINANCE INSTRUCTOR and a well respected Estate and Tax Planning Attorney? If you mix in relevant financial information and a healthy dose of humor for two hours on Saturday mornings 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 and residents of Northern Colorado, CHRIS STEIN, a Finance Instructor at Colorado State University who is also a CERTIFIED FINANCIAL PLANNER™ Professional, and PETER SCOTT, Esq., an estate and tax planning attorney with Coan, Payton and Payne, LLC offer real-world knowledge on a diverse range of topics including Social Security planning, Colorado PERA, investing for your retirement, the fundamentals of 401(k) and IRA accounts and estate planning. Jim, Chris and Peter make learning about your retirement, estate planning and even your taxes both educational and entertaining! Jim Saulnier, Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC to residents of: AZ, CO, MA, MD, TX and WY. No offers may be made to or accepted from any resident outside the specific states mentioned. Jim Saulnier, Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Financial Planning through Jim Saulnier and Associates, LLC. Cambridge and Jim Saulnier & Associates are not affiliated.
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Location:

United States

Description:

What do you get when you combine a talented CFP® PROFESSIONAL with a well-informed COLLEGE FINANCE INSTRUCTOR and a well respected Estate and Tax Planning Attorney? If you mix in relevant financial information and a healthy dose of humor for two hours on Saturday mornings 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 and residents of Northern Colorado, CHRIS STEIN, a Finance Instructor at Colorado State University who is also a CERTIFIED FINANCIAL PLANNER™ Professional, and PETER SCOTT, Esq., an estate and tax planning attorney with Coan, Payton and Payne, LLC offer real-world knowledge on a diverse range of topics including Social Security planning, Colorado PERA, investing for your retirement, the fundamentals of 401(k) and IRA accounts and estate planning. Jim, Chris and Peter make learning about your retirement, estate planning and even your taxes both educational and entertaining! Jim Saulnier, Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC to residents of: AZ, CO, MA, MD, TX and WY. No offers may be made to or accepted from any resident outside the specific states mentioned. Jim Saulnier, Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Financial Planning through Jim Saulnier and Associates, LLC. Cambridge and Jim Saulnier & Associates are not affiliated.

Language:

English


Episodes

EDU: Philosophy of the Bucketing Strategy

1/16/2019
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Previously when discussing “Bucketing,” Jim and Chris have primarily focused on the “how”. On this podcast, they focus on the “why” and explain the philosophy and justification for the bucketing strategy. The guys also discuss a recent academic study from Barcelona, Spain that questions the viability of bucketing as a retirement planning strategy and explain […] The post EDU: Philosophy of the Bucketing Strategy appeared first on The Retirement and IRA Show.

Duration:01:00:51

Q&A: Beneficiaries, Medicare Premium Surcharges, SS Benefits, Roth Conversion

1/12/2019
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Jim and Chris answer four more listener questions on this edition of the Retirement and IRA Show – Q&A: They answer a Californian listener’s question about stretch IRA accounts and what happens when the beneficiary dies. They discuss naming a trust as the beneficiary of a life insurance policy for a listener from Virginia. They […] The post Q&A: Beneficiaries, Medicare Premium Surcharges, SS Benefits, Roth Conversion appeared first on The Retirement and IRA Show.

Duration:01:06:07

EDU: Funding HSAs with IRAs

1/9/2019
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Jim and Chris discuss how to take advantage of a one-time lifetime election funding your Health Savings Account (HSA) from an IRA. They point out some tips and warnings about this process. This may be a particularly useful topic for listeners trying to get an HSA started. The post EDU: Funding HSAs with IRAs appeared first on The Retirement and IRA Show.

Duration:00:41:19

Q&A: Catch-up Contributions, Spousal Benefits, Dignity Floor, Short-term Insurance

1/5/2019
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Jim and Chris answer listeners’ questions on multiple topics during this podcast. Are $6000 personal catch-up contributions included in the $56K workplace contribution maximum? A listener in Virginia has a question regarding spousal Social security benefits. Can his spouse collect these SS benefits if she is caring for a granddaughter full time? A third listener wants […] The post Q&A: Catch-up Contributions, Spousal Benefits, Dignity Floor, Short-term Insurance appeared first on The...

Duration:01:02:20

Edu: Target Date Funds

1/2/2019
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Are you using a Target Date Fund in your retirement portfolio but aren’t quite sure how they work? Join Jim and Chris as they delve into some of the most common misunderstandings about Target Date Funds. The post Edu: Target Date Funds appeared first on The Retirement and IRA Show.

Duration:00:58:27

Q&A: 401k Strategies, Earnings Test

12/22/2018
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Join Jim and Chris as they answer questions regarding 401k strategies and working while receiving Social Security. This week a Minnesota listener asks whether they should rollover their 401k with a previous employer and another listener wonders how to get the best tax rate on 401k withdrawals. Also, a Missouri listener ponders self-employment in retirement and […] The post Q&A: 401k Strategies, Earnings Test appeared first on The Retirement and IRA Show.

Duration:01:01:56

Edu: Variable Annuities 101

12/19/2018
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In response to a listener email, Jim and Chris begin a discussion on Variable Annuities. This first show on the subject covers a general overview, how they came about, how they work, and what the guys like and dislike about Variable Annuities. Look for future shows where Jim and Chris will delve into more of […] The post Edu: Variable Annuities 101 appeared first on The Retirement and IRA Show.

Duration:01:09:46

Q&A: Rule of 55, PIA, Roth Conversion

12/15/2018
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Jim and Chris field some interesting questions this week about the 401k Rule of 55, Social Security, and using 60-day Rollovers for Roth Conversions. The guys answer a listener question on whether transferring a 401k to a new employer will affect the Rule of 55. A California listener wonders how claiming Social Security is affected if the […] The post Q&A: Rule of 55, PIA, Roth Conversion appeared first on The Retirement and IRA Show.

Duration:01:01:08

Edu: The Stretch IRA

12/12/2018
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You may have heard of a Stretch IRA, but few people understand what it is and what it is not. Join Jim and Chris this week as they delve into Stretch IRAs. The post Edu: The Stretch IRA appeared first on The Retirement and IRA Show.

Duration:00:51:03

Q&A: Roth Conversion, MAGI, and Calculated Earnings Errors

12/8/2018
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The November 21st Edu podcast about using a 60-day Rollover on a Roth Conversion elicited a lot of listener questions. Jim and Chris spend time answering those plus a question from a Florida listener on calculating MAGI to determine if a retiree will have have to pay the Medicare Premium Surcharge. Chris also answers a Georgia […] The post Q&A: Roth Conversion, MAGI, and Calculated Earnings Errors appeared first on The Retirement and IRA Show.

Duration:01:05:15

Edu: Spousal Inherited IRAs

12/5/2018
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While the rules are very complicated for all Inherited IRAs, they are even more complicated for Spousal Inherited IRAs. This is because they get special treatment, so have special rules. Jim and Chris explore in detail the difference between non-spousal and spousal Inherited IRAs this week. The post Edu: Spousal Inherited IRAs appeared first on The Retirement and IRA Show.

Duration:01:07:42

Q&A: IRA Legal Protections, Estate Planning, and Life Insurance

12/1/2018
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Jim and Chris welcome two special guests to help answer questions about Estate Planning, IRA Legal Protections, and Life Insurance. Life Insurance professional, Sean McKinnon, weighs in on a question about Universal Life Insurance. Estate Planning Attorney, Peter Scott, returns to the show to tackle three listener questions. An interesting question is posed by a Georgia listener: If […] The post Q&A: IRA Legal Protections, Estate Planning, and Life Insurance appeared first on The Retirement...

Duration:01:25:23

Edu: Qualified Charitable Distributions

11/28/2018
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A California listener’s email got Jim thinking about how Qualified Charitable Distributions (QCDs) can be used to lower the tax burden of some retirees. So, tune in as the guys take an in-depth look at QCDs this week. The post Edu: Qualified Charitable Distributions appeared first on The Retirement and IRA Show.

Duration:00:54:18

Q&A: Blended Funds, WEP, Delaying Social Security

11/24/2018
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A listener from Vermont wonders how and if blended funds could fit into his retirement portfolio. Jim and Chris also tackle more Social Security questions; including helping a listener from Georgia get some clarification on the Social Security Windfall Elimination Provision (WEP), doing some math for another Georgia listener pondering delaying Social Security benefits, and […] The post Q&A: Blended Funds, WEP, Delaying Social Security appeared first on The Retirement and IRA Show.

Duration:01:17:58

Q&A: Roth Conversion Strategies and Budgeting Taxes

11/17/2018
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This week Jim and Chris tackle a couple great listener questions. An Oregan listener asks about budgeting, and saving for, paying taxes in the “bucket” strategy for retirement. Another listener wonders if there is a benefit to converting a percentage of, as opposed to all of, a Roth IRA account. The post Q&A: Roth Conversion Strategies and Budgeting Taxes appeared first on The Retirement and IRA Show.

Duration:01:10:11

Edu: How Wages Impact Social Security

11/14/2018
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Have you wondered how wages from working in retirement might impact your Social Security Benefits? This week Jim and Chris were inspired by several listener questions to take a closer look at how working while collecting Social Security can affect benefits. They will delve into topics including whether your wages could reduce your benefits (through […] The post Edu: How Wages Impact Social Security appeared first on The Retirement and IRA Show.

Duration:00:52:06

Q&A: Pension Options, Roth Conversions, Social Security

11/10/2018
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This week Jim and Chris discuss a listener’s question about ways of dealing with his State of Kentucky pension now that he’s working for the State of Ohio. The guys also answer a Louisiana listener’s question about Roth Conversions. Four listeners (from Florida, Michigan, Tennessee, and Texas) had Social Security questions this week, including repaying […] The post Q&A: Pension Options, Roth Conversions, Social Security appeared first on The Retirement and IRA Show.

Duration:01:10:56

Edu: Roth 5 Year Rule

11/7/2018
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The Roth 5 Year Rule sounds simple: you can withdraw the earnings from your Roth IRA, tax-free, 5 years after your first contribution. Is it really that simple? Does the rule apply to a Roth 401k? Does a Roth Conversion from your IRA change anything? On this episode Jim and Chris delve into the nuances of […] The post Edu: Roth 5 Year Rule appeared first on The Retirement and IRA Show.

Duration:00:55:46

Edu: Annuity Pros and Cons, Part 2

10/31/2018
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Jim and Chris continue their discussion in response to a skeptical listener’s email. They move the focus from how annuities work, to how and why they might or might not work as part of an investment strategy. The post Edu: Annuity Pros and Cons, Part 2 appeared first on The Retirement and IRA Show.

Duration:00:52:32

Q&A: 401k Loan, Long-term Care Insurance, SS Benefits

10/27/2018
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Jim and Chris answer a lot of great questions this weeks. One listener ponders a 401k loan, another from Minnesota wonders if Long-term Care Insurance is still viable. In addition two questions about Social Security Benefits are answered. The first from a Mississippi listener asks about the delaying Social Security Benefits, the second asks about […] The post Q&A: 401k Loan, Long-term Care Insurance, SS Benefits appeared first on The Retirement and IRA Show.

Duration:01:13:06