Government Pensions & Social Security, Fun Money Buckets, and SS Potential Changes in 2035: Q&A #2009

February 29, 2020

Government Pensions & Social Security, Fun Money Buckets, and SS Potential Changes in 2035: Q&A #2009

Today Jim and Chris discuss how government pensions affect Social Security benefits, how they calculate fun money bucket sums, and the projected potential change in Social Security funds in 2035. (8:10) A Coloradoan asks about how WEP might affect his wife’s Social Security benefits due to her PERA account. (16:15) Georgette wonders how Jim and Chris generate the large sums that would be...

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1099 Tax Forms and the “Mega Backdoor Conversion”: EDU #2008

February 26, 2020

1099 Tax Forms and the “Mega Backdoor Conversion”: EDU #2008

Chris hosts today’s show with CPA Bob Palechek as they discuss 1099 tax forms and the “mega backdoor Roth conversion.”  This topic is the result of a listener’s email about converting after-tax 401k dollars into a Roth IRA and wondering if he’ll receive a 1099 form from his IRA custodian....

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The Earnings Test “Special Rule,” and SECURE Act Questions: Q&A #2008

February 22, 2020

The Earnings Test “Special Rule,” and SECURE Act Questions: Q&A #2008

Today two listeners have questions regarding the earnings test/special rule, and then Jim and Chris answer questions about how the SECURE Act affects certain IRAs. (5:40) A Washington listener asks how to calculate the “special rule,” that once in a lifetime rule, regarding earnings before retirement. (7:17) A Virginian asks a question similar to above in regards to the earnings...

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Jim & Chris’s Retirement Planning Approach and Process Part 5: EDU #2007

February 19, 2020

Jim & Chris’s Retirement Planning Approach and Process Part 5: EDU #2007

We are wrapping up our 5-Part series in which Jim and Chris describe their retirement planning approach and process.  In Parts 1 and 2 they discussed the philosophy of their approach.  In Parts 3 and 4 they explained further how they begin their planning process, using a fictitious couple as an example.  In this episode, Jim and Chris describe how the last few stages are put together to finish...

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Live Caller: Reducing IRMAA, Bonds or Income Annuities, and Some Comments: Q&A #2007

February 15, 2020

Live Caller: Reducing IRMAA, Bonds or Income Annuities, and Some Comments: Q&A #2007

A live caller and an email comment from a financial planner are featured on today’s podcast.  Jim and Chris talk through a listener’s concerns about establishing less-volatile accounts while still keeping low income for tax strategies. (3:12) Live caller George would like to discuss how to reduce IRMAA early in retirement (35:45) George continues by asking how to establish secure...

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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.