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The Retirement and IRA Show

Author: Jim Saulnier, CFP® & Chris Stein, CFP®

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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 FINANCIAL PLANNER™ Professional, offer real-world knowledge on a diverse range of topics including Social Security planning, investing for your retirement, the fundamentals of 401(k) and IRA accounts. Jim and Chris make learning about your retirement both educational and entertaining!



Jim Saulnier & Associates, LLC (“RIA Firm”) is a registered investment adviser located in Fort Collins, CO. Jim Saulnier & Associates, LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Current registered states: CA, CO, PA, TX, WA, IL



Insurance products and services are offered and sold through James H. Saulnier, a Colorado licensed insurance producer, only in those states in which he is reciprocally licensed or qualifies for an exemption or exclusion from licensing requirements. Current reciprocal insurance licensing in these states: AZ, CA, CA, CN, FL, HI, IA, MA, MD, NY, PA, SC, TN, TX, VA, WA, WI, WY
411 Episodes
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Jim and Chris sit down to discuss listener questions relating to Social Security, IRMAA, wash sales, and annuity alternatives. (17:30) George wonders if his Social Security benefit will be affected due to his earnings in Canada. (25:45) George wonders if he can let the SSA know about discontinuing Roth conversions to avoid the associated IRMAA […] The post Social Security, IRMAA, Wash Sales, and Annuity Alternatives: Q&A #2415 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to revisit our retirement planning process and a recent article written by Bloomberg.   Link to article: Wall Street Just Doesn’t Get It on Retirement – Bloomberg The post Our Retirement Planning Process Prequel: EDU #2415 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to discuss listener questions relating to IRMAA premiums, Social Security, annuities, and Medicare. (15:00) A listener asks about the timing behind an increase in his IRMAA premiums. (24:30) George looks for clarification on the rules surrounding a spousal Social Security benefit. (34:15) George wonders if Jim and Chris are going […] The post IRMAA Premiums, Social Security, Annuities, and Medicare: Q&A #2414 appeared first on The Retirement and IRA Show.
Jim, Chris, and in-house CPA, Paul sit down to discuss how capital gains and the associated wash sale rule work. The post Capital Gains and Wash Sale Rule: EDU #2414 appeared first on The Retirement and IRA Show.
Jim, Chris, and Paul discuss listener questions relating to taxes, IRAs, Roth conversions, basis, and Trusts. (12:00) Georgette asks a question on how to calculate her net of tax future IRA distributions correctly without being “double taxed” in her projections. (19:00) A listener looks for the teams thoughts on whether or not Roth conversions while […] The post Taxes, IRAs, Roth Conversions, Basis, and Trusts: Q&A #2413 appeared first on The Retirement and IRA Show.
Jim and Chris continue their dialogue series discussing various approaches to retirement planning and how listeners approach their own retirement. The post Retirement Planning Dialogue Series 3: EDU #2413 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to discuss listener questions relating to Social Security, rollovers, annuities, and trusts. (6:00) George in Ohio asks about delaying a Social Security benefit, claiming retroactively, and if the SSA will know how to handle the associated spousal benefit. (14:00) A listener from Maine looks for help calculating his wives Social […] The post Social Security, Rollovers, Annuities, and Trusts: Q&A #2412 appeared first on The Retirement and IRA Show.
Jim and Chris continue their dialogue series discussing various approaches to retirement planning and how listeners approach their own retirement. The post Retirement Planning Dialogue Series 2: EDU #2412 appeared first on The Retirement and IRA Show.
Jim and Chris discuss listener questions relating to Social Security, WEP, GPO, 529 conversions, HSAs, and Roth conversions. (5:30) A listener from Ohio asks about a unique Social Security survivorship scenario relating to children under a different legal guardianship. (13:15) A Michigan listener looks for clarification on when his wife can begin claiming a spousal […] The post Social Security, 529/Roth Conversions, and HSAs: Q&A #2411 appeared first on The Retirement and IRA Show.
Jim and Chris kick off a dialogue series discussing various approaches to retirement planning and how listeners approach their own retirement. The post Retirement Planning Dialogue Series 1: EDU #2411 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to discuss listener questions relating to Social Security, GPO, HSAs, QCDs, inflation, and QLACs. (8:30) George from Colorado asks for clarification on a couple of questions regarding the effects of GPO. (25:20) A listener provides some helpful input on converting funds from a taxable account into an HSA. (37:05) A […] The post Social Security, GPO, HSAs, QCDs, Inflation, and QLACs: Q&A #2410 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to discuss a couple of articles and questions relating to converting 529 assets into a Roth IRA. Allen Roth Article: https://www.advisorperspectives.com/articles/2024/02/15/law-strategies-convert-college-529-rothhttps://www.529conference.com/status-board-secure-2-0-529-state-updates/ NY Times Article: https://rethinking65.com/2024/02/19/money-in-college-savings-accounts-can-now-go-toward-retirement/ 529 Conference Article: https://www.529conference.com/status-board-secure-2-0-529-state-updates/ The post Converting A 529 To A Roth IRA: EDU #2410 appeared first on The Retirement and IRA Show.
Jim and Chris discuss listener questions relating to Medicare, fraud awareness, Social Security survivorship, pensions, and RMDs. (Intro) Jim and Chris begin the show with a clarification from the Wednesday’s EDU show of prohibited transactions completed inside an IRA and whether or not SECURE Act 2 impacted the previous prohibited transaction rules. (14:45) George from […] The post Medicare, Fraud Awareness, Social Security Survivorship, Pensions, and RMDs: Q&A #2409 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to continue their discussion on the annual quiz given out by the Ed Slott program for 2024. The post Taking The 2024 Ed Slott Quiz Continued: EDU #2409 appeared first on The Retirement and IRA Show.
Jim and Chris discuss listener questions relating to Social Security, ethics requirements, MDF, and special needs trust funding. (7:15) George looks for some clarification on his Social Security claiming strategy and personal benefit calculation. (26:00) A listener provides some input on a previous show relating to a continuing education ethics requirement and looks for clarity […] The post Social Security, Ethics Requirements, MDF, and Trust Funding: Q&A #2408 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to discuss and take a quiz given out by the Ed Slott program on an annual basis for 2024. The post Taking The 2024 Ed Slott Quiz: EDU #2408 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to discuss listener questions relating to Social Security, IRMAA, GPO, annuities, and the minimum dignity floor. (7:45) A listener from Oklahoma asks about his mother ability to claim a Social Security survivor and child in care benefit. (16:45) George wonders when he’d be able to appeal a previous IRMAA surcharge. […] The post Social Security, IRMAA, GPO, and Annuities: Q&A #2407 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to continue their detailed discussion on the Secure Act 2.0, specifically, section 204. The post Secure Act 2.0 and Section 204 Continued: EDU #2407 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to discuss listeners questions relating to Social Security, SSA-44, IRMAA, MDF, inflation, and rollovers. (6:45) Georgette asks if she can begin claiming a Social Security spousal benefit before claiming her own benefit down the road. (20:00) A listener in Virginia comments on a previous shows question regarding the sale of […] The post Social Security, SSA-44, MDF, Inflation, and Rollovers: Q&A #2406 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to continue their discussion from last week on a listeners do-it-yourself retirement plan. The post Different Approaches To Retirement Planning Continued: EDU #2406 appeared first on The Retirement and IRA Show.
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Comments (5)

Nina Brown

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Feb 5th
Reply

Paul

You guys are great but this is ridiculous. Even with 5,000,000 left in a pie & spending $10,000 month, which is $2000 over their minimum AND ONLY earning 1% return, their money would last 50+ years. Simply put, they are way over fine.

Oct 8th
Reply

Paul

$700k for long term? Wow.. What the hell are their RMDs going to be? Throw it in bonds & earn 2-4%, that would cut your $700k in half. And that is pretty safe. Plus it's their.... Liquid.

Feb 24th
Reply

Paul

You guys are losing me. in the example you give with a couple that has a shortage of $500 a month, there is absolutely no reason for them to buy an annuity. at age 62 if they invested $75,000 earning a conservative 6% that return would be over $200,000 and you if you take an income of $1,000 a month on that $200,000 earning CD ladder rate of 2.5% it's going to last you another 20 years. and the extra $500 a month way over compensates inflation. I'm i missing something? I'm looking for CFP's to do a retirement plan for me. I like your approach, but I'm a diy person who needs just a little coaching.

Feb 17th
Reply

Paul

When you use examples of a typical retiree should be based on what the average person has. I laugh when I hear CFP talk about planning a $3 million retirement. What a joke. If you cbs that much money and you can't manage it, you don't deserve it. And that person isn't what the average person listening to your podcast has saved. We listen to these podcast to learn how to less. A better hypothetical person would only have $500k to $1M. I listen another CFP that teaches how to retire with $100k, $300k, etc. What the average person has. Love you guys.

Feb 8th
Reply
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