Spendthrift Children and Their Inheritance

January 30, 2016

You want to leave an inheritance to your children, but one of your kids is responsible with their money and one is not. Peter answers a question from a listener regarding how to structure an inheritance to be fair to multiple children but protect the spendthrift from themselves. Jim, Chris and Peter also discuss what Trust Decanting is and why it may benefit you and they look at the recent...

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Naming a Child As a Co-Owner of a Bank or Investment Account

January 23, 2016

Naming a Child As a Co-Owner of a Bank or Investment Account

You would think that naming a child as a co-owner of a bank or investment account would be a good idea, right? That way, if something happens to you they can more easily help you pay your bills. Jim, Chris and Peter discuss why naming your children on these accounts may be more if a headache than a help. They also answer a couple of listeners’ questions. How can you correct a Social...

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Social Security: Withdrawing Your Application vs. Suspending Your Benefit

January 16, 2016

What is the difference between withdrawing your Social Security application and suspending your benefit? Jim, Chris and Peter answer this email question from a listener. They also discuss why the Social Security Administration gives you options for your claiming date if you file for your benefit after your full retirement age. Among other topics, they clarify the tax basis on a Roth conversion,...

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Listeners’ Questions Re: FERS, IRA Conversions and Medicaid

January 9, 2016

Listeners’ Questions Re: FERS, IRA Conversions and Medicaid

Jim and Chris (Peter is out this week) answer questions from listeners including: When your FERS (Federal Employees Retirement System) Special Retirement Supplement stops, should you claim your Social Security benefit or wait until age 70? If you converted a traditional IRA that was funded in part with non-deductible contributions, how much of the conversion would be tax free? And… if one...

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Tax Changes for 2016

January 2, 2016

Chris and Peter discuss some of the tax changes and extensions for 2016 including the Protecting Americans From Tax Hikes Act of 2015, tax-free distributions from IRAs for charitable donations, SIMPLE IRA rollovers and a few others. They also discuss some estate planning concerns from listeners including things to consider if your original estate plan was drawn up in another state, transferring...

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Jim Saulnier and Associates | 970-530-0556 | 506 East Mulberry Street, Fort Collins, Colorado 80524

Ed Slott Advisor recognition requires an advisor to be well versed on the rules and regulations regarding IRAs. The advisor must attend two live training sessions and pass two written exams annually to remain in the program. 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 Click here for a more detailed disclosure.