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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: 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

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

Edu: Getting More Time for a Roth Conversion

11/21/2018
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With recent changes to tax laws, it may be beneficial to get more time to do a Roth Conversion. An unfortunate byproduct of the 2018 tax law change is the inability to do a Roth Recharacterization. This means that a Roth Conversion is final and you must pay all taxes due. However, it can be difficult to know what […] The post Edu: Getting More Time for a Roth Conversion appeared first on The Retirement and IRA Show.

Duration:00:54:18

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

Q&A: 401k Clarifications, HSA Rules, and SS Spousal Benefits

11/3/2018
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Need some clarification on the 401k “Rule of 55”? Can you contribute to a previous employer’s HSA? Does purchasing a SPIA of DIA with money from your IRA remove the 10% early withdrawal penalty? This week Jim and Chris address these listener questions as well as more Social Security Spousal Benefit questions from listeners in […] The post Q&A: 401k Clarifications, HSA Rules, and SS Spousal Benefits appeared first on The Retirement and IRA Show.

Duration:01:04:51

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

Edu: Annuity Pros and Cons

10/24/2018
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Annuities: love them or hate them? In this episode, Jim and Chris respond to a skeptical listener’s email and go in-depth on Annuities. The post Edu: Annuity Pros and Cons appeared first on The Retirement and IRA Show.

Duration:00:50:42

Edu: Designated Beneficiaries

10/17/2018
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Jim is away but the show must go on! Chris and Darcie go in-depth about the do’s and don’ts (and why) of designated beneficiaries. The post Edu: Designated Beneficiaries appeared first on The Retirement and IRA Show.

Duration:00:49:40

Edu: Splitting an IRA

10/10/2018
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Divorce is hard enough without the extra stress of trying to figure out how to deal with retirement accounts. In this episode Jim and Chris delve into how to split an IRA in a divorce. The post Edu: Splitting an IRA appeared first on The Retirement and IRA Show.

Duration:00:30:53

Q&A: Roth IRA Contributions and Social Security Loopholes

10/6/2018
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Roth IRA contribution rules leaving you perplexed? You’re not alone! Jim and Chris answer a Georgia listener’s Roth questions as well as questions from Florida and Georgia listeners about Social Security rules. The post Q&A: Roth IRA Contributions and Social Security Loopholes appeared first on The Retirement and IRA Show.

Duration:01:10:47

EDU: Congressional Proposals

10/3/2018
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On today’s show, Jim and Chris delve deeply into new proposals effecting retirement plans that are working their way through Congress including changes to required minimum distribution rules, IRA contribution rules, and a new USA savings account (which is essentially a Roth IRA for anyone and any purpose regardless of age). The post EDU: Congressional Proposals appeared first on The Retirement and IRA Show.

Duration:00:37:15

Q&A: Social Security Edition

9/29/2018
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On this edition of the Retirement and IRA Show Q & A, Jim and Chris answer six Social Security questions from listeners in Connecticut, Pennsylvania, North Carolina, and Georgia. The questions cover spousal benefits, divorced spouse benefits, survivor benefits, and restricted applications. The post Q&A: Social Security Edition appeared first on The Retirement and IRA Show.

Duration:01:11:36

EDU: Social Security Earnings Test

9/26/2018
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In this inaugural Retirement and IRA Show (education version), Jim and Chris delve deeply into the Social Security earnings test: what is it? How does it work? How much does it cost you? How does Social Security know it even applies to you? And what happens if you owe it? The post EDU: Social Security Earnings Test appeared first on The Retirement and IRA Show.

Duration:00:53:59