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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 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!

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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!

Social Security, Inherited Roth IRAs, SEP IRAs, Disability Pay, and Trusts As Beneficiaries: Q&A #2149

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Jim and Chris discuss questions relating to Social Security, inherited Roth IRAs, SEP IRAs, disability pay, and trusts as beneficiaries.

(11:15) George from Michigan looks for clarification on Social Security spousal benefits.

(21:15) A listener lists his concerns for spousal inheritance of a Roth IRA.

(24:15) A listener asks about opening a SEP IRA to contribute an additional 20% of their net earnings from a side-business.

(31:00) George from Texas asks about the taxation of disability pay.

(40:15) An Indiana listener looks for opinions on doing Roth conversions when the market is up.

(49:30) A Californian listener asks about the ideal beneficiaries to be named on IRAs.

The post Social Security, Inherited Roth IRAs, SEP IRAs, Disability Pay, and Trusts As Beneficiaries: Q&A #2149 appeared first on The Retirement and IRA Show.

Dec 04 2021

1hr 12mins

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Discussing The Fun Number: EDU #2148

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Jim and Chris sit down to discuss a couple of listener emails regarding our “fun number” concept and planning around a fun number.

The post Discussing The Fun Number: EDU #2148 appeared first on The Retirement and IRA Show.

Dec 01 2021

1hr 19mins

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Thanksgiving Break: QA

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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.

Nov 27 2021

2mins

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Thanksgiving Break: EDU

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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.

Nov 24 2021

1min

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Social Security, Roth 401(k) Rollovers, Inherited Roth IRAs, and Roth Conversions: Q&A #2147

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Jim and Chris discuss listeners questions relating to Social Security benefits, Roth 401(k) rollovers, inherited Roth IRAs, and Roth conversions.

(5:30) A couple of California and Colorado listeners try and provide some clarification on estimating your Social Security benefit with no future estimated earned income.

(18:00) A listener aims to provide some insight on rolling a Roth 401(k) into a Roth IRA and the associated five year requirement.

(47:45) A young financial planner asks about an inherited Roth IRA and the associated RMD rules.

(1:04:45) George from Texas wonders about the recently proposed legislation to prohibit after-tax IRA contributions from being converted to Roth accounts.

The post Social Security, Roth 401(k) Rollovers, Inherited Roth IRAs, and Roth Conversions: Q&A #2147 appeared first on The Retirement and IRA Show.

Nov 20 2021

1hr 18mins

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The Essence Of Retirement Planning: EDU #2146

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Jim and Chris sit down to discuss an email from a listener regarding the overall essence of financial planning and retirement planning.

The post The Essence Of Retirement Planning: EDU #2146 appeared first on The Retirement and IRA Show.

Nov 17 2021

1hr 7mins

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Social Security, Roth 401(k)s, Fun Spending, and Saving For College: Q&A #2146

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Jim and Chris sit down to discuss listeners questions relating to Social Security, Roth 401(k)s, fun spending, and saving for college.

(7:00) A listener from Connecticut asks about how to get a more accurate estimate of his future Social Security benefit.

(13:30) George from North Carolina looks for clarification on Roth 401(k) plans and their related RMDs.

(32:00) A Floridian listener wonders about how we breakup the “fun spending” portion of our retirement planning process.

(53:45) A listener from Alabama looks for advice on how to plan for college savings.

The post Social Security, Roth 401(k)s, Fun Spending, and Saving For College: Q&A #2146 appeared first on The Retirement and IRA Show.

Nov 13 2021

1hr 6mins

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Tax Court Cases and Private Letter Rulings: EDU #2145

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Jim and Chris sit down to discuss a couple tax court cases and private letter rulings from Jim’s most recent Ed Slott group training.

The post Tax Court Cases and Private Letter Rulings: EDU #2145 appeared first on The Retirement and IRA Show.

Nov 10 2021

1hr 4mins

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Mega Backdoor Roth Conversions, Social Security, Solo 401(k)’s, and Qualified Retirement Plans: Q&A #2145

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Jim and Chris discuss listeners questions relating to average wage index, Social Security, mega backdoor Roth conversions, solo 401(k) contribution limits, and qualified retirement plans.

(20:00) A listener asks about the average wage index (AWI) for workers born in 1960 and the effects of COVID in 2020.

(23:00) A listener points out some social security Medicare expense increases as well as some other inflationary increases that may effect retirees.

(33:30) Georgette looks for advice on completing a mega backdoor Roth conversion in 2021.

(50:15) A listener from New Jersey wonders about his daughters contribution limits for her solo 401(k) plan.

(1:05:45) George from Massachusetts asks about qualified retirement plans.

The post Mega Backdoor Roth Conversions, Social Security, Solo 401(k)’s, and Qualified Retirement Plans: Q&A #2145 appeared first on The Retirement and IRA Show.

Nov 06 2021

1hr 15mins

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Updates To Proposed Tax Changes In BBB Act and Misc. Tax Discussion: EDU #2144

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Chris and in house CPA, Bob Palechek sit down to discuss updates to the potential tax changes within the proposed Build Back Better Act as well as a listeners in-depth tax question.

The post Updates To Proposed Tax Changes In BBB Act and Misc. Tax Discussion: EDU #2144 appeared first on The Retirement and IRA Show.

Nov 03 2021

1hr 5mins

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Roth Conversions, Inherited Stock, and Military Pensions: Q&A #2144

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Chris sits down with in-house CPA, Bob Palechek, to discuss questions relating to Roth conversions, inherited stock shares, and taxation of military pensions.

(4:00) A Kentucky listener looks for clarification on Roth conversions and the definition of net investment income.

(27:45) A Pennsylvanian couple asks about estate planning and inheriting shares out of a brokerage account containing highly appreciated Apple stock.

(46:30) George asks if military pensions count towards the income threshold for how much of Social Security is taxable.

The post Roth Conversions, Inherited Stock, and Military Pensions: Q&A #2144 appeared first on The Retirement and IRA Show.

Oct 30 2021

59mins

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Nuances With Beneficiaries Of Inherited IRAs: EDU #2143

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Jim and Chris sit down to discuss a listener prompted topic relating to nuances with beneficiaries of inherited IRAs.

The post Nuances With Beneficiaries Of Inherited IRAs: EDU #2143 appeared first on The Retirement and IRA Show.

Oct 27 2021

1hr 6mins

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Social Security, JWROS Accounts, TSPs, Inherited IRAs, and Backdoor Roth Contributions: Q&A #2143

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Jim and Chris discuss questions relating to Social Security, JWROS accounts, TSPs, inherited IRAs, backdoor and converted Roth contributions.

(9:45) A Wisconsin listener looks for clarification on Social Security Survivor benefits.

(12:00) A listener from Arizona looks for advice on when to claim Social Security.

(19:00) George from Indiana asks if there’s any advantage to delaying claiming Social Security past the age of 62.

(25:00) An Ohioan looks for ways to efficiently pass a joint with right of survivorship account through to their heirs.

(40:00) George from Florida helps to clarify a previous discussion about TSP and Roth TSP withdrawals.

(45:45) A listener looks for clarification on inherited IRAs and there beneficiaries.

(51:00) A Texan listener looks for advice on which retirement accounts to contribute to if the backdoor Roth option is eliminated.

(59:00) Georgette from Ohio asks about converting after-tax money into an existing Roth IRA once fully retired.

The post Social Security, JWROS Accounts, TSPs, Inherited IRAs, and Backdoor Roth Contributions: Q&A #2143 appeared first on The Retirement and IRA Show.

Oct 23 2021

1hr 14mins

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Irrevocable Life Insurance Trusts After The Build Back Better Act: EDU #2142

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Jim and Chris sit down to discuss irrevocable life insurance trusts (ILITs) after provisions of the Build Back Better Act.

The post Irrevocable Life Insurance Trusts After The Build Back Better Act: EDU #2142 appeared first on The Retirement and IRA Show.

Oct 20 2021

57mins

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COLA and Other Changes To Social Security For 2022: Q&A #2142

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Chris sits down on a solo mission to discuss and answer questions about the recently announced, 2022 Social Security revisions.

The post COLA and Other Changes To Social Security For 2022: Q&A #2142 appeared first on The Retirement and IRA Show.

Oct 16 2021

42mins

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Naming Trusts As Beneficiaries Of IRAs: EDU #2141

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Jim and Chris sit down to discuss a listener prompted topic about naming trusts as beneficiaries of IRAs and applicable rule changes.

The post Naming Trusts As Beneficiaries Of IRAs: EDU #2141 appeared first on The Retirement and IRA Show.

Oct 13 2021

1hr 7mins

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Social Security, Roth Conversions, Pro-Rata Rules, and Lump-Sum Pensions: Q&A #2141

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Jim and Chris sit down to answer listeners questions relating to Social Security survivor benefits, Roth conversions, lump-sum pensions, and the pro-rata rule.

(12:00) Georgette looks for clarification on the rules behind claiming an ex-spouses Social Security survivor benefit while delaying her own.

(23:30 Preamble, 30:30 Question) A Californian listener asks for help on a accidental Roth conversion.

(44:30) A listener looks for advice on rolling a lump-sum pension into and IRA.

(56:16) George wonders if he can move a Roth portion of a 401(k) into a Roth IRA and avoid the pro-rata rule.

The post Social Security, Roth Conversions, Pro-Rata Rules, and Lump-Sum Pensions: Q&A #2141 appeared first on The Retirement and IRA Show.

Oct 09 2021

1hr 5mins

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Special Guest, Dr. Wade Pfau: EDU #2140

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Jim and Chris sit down with special guest, professor, author, and overall financial planning guru, Dr. Wade Pfau.

The post Special Guest, Dr. Wade Pfau: EDU #2140 appeared first on The Retirement and IRA Show.

Oct 06 2021

1hr 2mins

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Social Security, Trusts, Creditor Protection, Roth Conversions, and Pensions: Q&A #2140

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Jim and Chris discuss listeners questions relating to Social Security, trusts as IRA beneficiaries, Roth 401(k) creditor protection, Roth conversions, and pensions.

(7:00) Georgette from New York looks for clarification on the taxation of retroactive Social Security benefits as discussed in a previous show.

(15:15) George from California wonders about his Mom should claim her Social Security benefit.

(21:30) A listener looks for Jim and Chris’s opinion on their mother-in-laws IRA having a trust as the named beneficiary.

(37:45) A Texan listener wonders about additional creditor protection in Roth 401(k)’s versus IRAs.

(45:45) George asks about potential Roth conversions for his wife.

(49:30) A listener wonders whether or not there’s any disadvantage to having his wife claim her Social Security benefit now.

(55:30) A listener in Minnesota looks for advice on claiming a lump-sum versus monthly payments from a pension.

The post Social Security, Trusts, Creditor Protection, Roth Conversions, and Pensions: Q&A #2140 appeared first on The Retirement and IRA Show.

Oct 02 2021

1hr 28mins

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Build Back Better Act Potential Tax Changes Continued: EDU #2139

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Jim and Chris continue their discussion on potential changes in the tax code resulting from the proposed Build Back Better Act.

The post Build Back Better Act Potential Tax Changes Continued: EDU #2139 appeared first on The Retirement and IRA Show.

Sep 29 2021

54mins

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iTunes Ratings

219 Ratings
Average Ratings
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18

Awesome podcast! Best one!!!

By D Abd - May 30 2020
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Very educational with lots of humor!!! Jim and Chris deliver!!! In depth analysis without being boring and understandable!!!

Great show,

By whatreviews - Mar 29 2020
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A lot of valuable information