Q&A: Roth 403b rules, Spousal Benefits, Trusts, and 401k Beneficiaries

April 20, 2019

Q&A: Roth 403b rules, Spousal Benefits, Trusts, and 401k Beneficiaries

Wondering in what ways a Roth 403b rules differ from a Roth IRA and how that might affect your retirement plans? Jim and Chris answer a question about early Roth 403b withdrawals from a Washington listener. The guys also tackle a couple more Trust questions from Texas listeners- one regarding using a Trust as a 401k Beneficiary and one about assessing whether potential beneficiaries need the...

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Edu: Inherited IRA 5 Year Rule

April 17, 2019

Edu: Inherited IRA 5 Year Rule

What is the Inherited IRA 5 Year Rule and how do you help your beneficiaries avoid it? Jim and Chris have spent some time explaining why they don’t recommend naming a Trust as a beneficiary of an IRA. Now they delve into why they don’t recommend naming your estate as a beneficiary.  ...

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Q&A: Avoiding the Roth 5 Year Rule

April 11, 2019

Q&A: Avoiding the Roth 5 Year Rule

When you rollover your Roth 401k into a Roth IRA is there a way of avoiding the Roth 5 Year Rule? Jim and Chris answer that question from North Carolina listener who currently has a Roth 401k and no Roth IRA. https://media.blubrry.com/the_retirement_and_ira_show/p/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-QA-Y19E14.mp3 Podcast: Play in new window | Download (Duration: 30:22 —...

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Edu: Roth Conversion Cons

April 10, 2019

Edu: Roth Conversion Cons

Wondering if you should do a Roth Conversion? In past episodes Jim and Chris have looked at the pros, this week they look into the possible cons of doing a Roth Conversion. https://media.blubrry.com/the_retirement_and_ira_show/p/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y19E13.mp3 Podcast: Play in new window | Download (Duration: 1:04:31 — 29.5MB) Subscribe: Apple Podcasts |...

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Q&A: Roth Beneficiaries, SS Benefits, and Cost Basis

April 6, 2019

Q&A: Roth Beneficiaries, SS Benefits, and Cost Basis

Another week and another round of great listener questions! Jim and Chris address an Indiana listener’s question about using a Trust as a Roth IRA Beneficiary and another listener’s question about the cost basis and capital gains on a stock sale. The guys also answer several listener questions about Social Security Benefits, including a live caller’s, from New Hampshire, on...

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

Jim Saulnier, Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC to residents of: CO, IA, IN, MA, NY, TN, TX, WI 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 services offered through Jim Saulnier and Associates, LLC., a Registered Investment Advisor. Cambridge and Jim Saulnier & Associates, LLC are not affiliated.