Planning Opportunities Due To the Death of the Stretch IRA: EDU #2017

April 29, 2020

Planning Opportunities Due To the Death of the Stretch IRA: EDU #2017

Jim and Chris discuss a topic brought to us from a listener’s email:  what are some planning opportunities that might exist because of the death of the stretch IRA? https://media.blubrry.com/the_retirement_and_ira_show/p/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y20E17.mp3 Podcast: Play in new window | Download (Duration: 1:48:12 — 49.5MB) Subscribe: Apple Podcasts |...

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CARES Act, Monte Carlo, FERS, and IRMAA: Q&A #2017

April 25, 2020

CARES Act, Monte Carlo, FERS, and IRMAA: Q&A #2017

Jim calls in from his kitchen today to discuss with Chris some considerations about the CARES Act, a clarification on the Monte Carlo analysis, and some questions about FERS and IRMA. (5:41) Jim brought up a listener’s question to the Ed Slott group concerning COVID-related withdrawals that are allowed with the CARES Act. (36:20) Chris clarifies some information about the Monte Carlo...

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Indexed Universal Life Policies: What if You Already Have One? EDU #2016

April 22, 2020

Indexed Universal Life Policies: What if You Already Have One? EDU #2016

Jim and Chris discuss a follow-up to a previous EDU episode in which they talked about indexed universal life policies as a retirement strategy.  After discussing the pros, cons, and potential gotchas of IULs in that former episode, a question was posed: what if I already have one?...

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Roth Conversion Questions & Unemployment Contributions to a Roth: Q&A #2016

April 18, 2020

Roth Conversion Questions & Unemployment Contributions to a Roth: Q&A #2016

Jim and Chris take their time answering two questions today about Roth conversions and unemployment contributions to a Roth. (4:38) George from Minnesota wonders what are some considerations for doing a Roth conversion as someone in their 50s: how much should he convert? What are some potential pitfalls? (33:04) A 38-year-old listener has some questions about using unemployment benefits to...

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Coronavirus Market Fears and a Variable Annuity: EDU #2015

April 15, 2020

Coronavirus Market Fears and a Variable Annuity: EDU #2015

A listener who purchased a variable annuity with a guaranteed income benefit is worried because his annuity has dropped about $90,000 in value since the stock market corrected over the coronavirus, but still offers a compelling income benefit.  He is unsure if he should keep the annuity or transfer it to Vanguard where he manages his own money.  Jim and Chris dissect his situation and explain to...

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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.