Recovering After-Tax Money, SS Estimates, and HELOCs: Q&A #1946

December 7, 2019

Recovering After-Tax Money, SS Estimates, and HELOCs: Q&A #1946

December is already a week in (wow!) and Jim and Chris answer questions about recovering after-tax money, Social Security estimates, and HELOCs.

(10:29) A listener asks about recovering after-tax money in an IRA or QRP that has been annuitized.

(27:30) This question is about estimates provided by the SSA: do they assume that earnings in the prior year will continue until retirement?

(38:28) A long-time listener from New Jersey wonders whether Jim and Chris recommend taking out a HELOC as an added spending cushion.

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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.