Social Security Trivia

September 26, 2015

Social Security Trivia

Are you a Social Security know-it-all or could you use a little work?  Chris and Peter (Jim is out of town) ask listeners a number of basic Social Security questions that were originally generated by MassMutual to see how well people really understand this topic. Chris and Peter also answer listeners’ questions regarding the differences between 401(k)s and Roth 401(k)s, and whether or not...

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A Reduction In Social Security Benefits?

September 19, 2015

Believe it or not, if you were born in 1947 you missed out on a Social Security Cost of Living Adjustment (COLA) that could have increased your Social Security benefit by over 5%. Jim, Chris and Peter discuss how this COLA glitch works. They also talk about the lax regulations controlling who can be a financial advisor or planner, bring up an email from a listener in Belarus and give a reminder...

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Common Law Marriage and Your 401(k)

September 12, 2015

Common Law Marriage and Your 401(k)

Some states (like CO) have very loose rules when it comes to common law marriage. Under the Employee Retirement Income Security Act (ERISA), your spouse must be named the beneficiary of some retirement plans like 401(k)s, so what do you do when a non-spouse could be considered a spouse under common law? Jim, Chris and Peter discuss this topic and also answer some very good questions from...

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Passing On “Tricky Assets” to Your Heirs

September 5, 2015

Jim recently read an interesteing article involving how to pass on “tricky assets” to your heirs.  What do you do with things like pets, airline miles or vacation homes? Jim, Chris and Peter discuss how best to deal with these assets.  Also during this show, Jim, Chris and Peter discuss HIPAA waivers and medical powers of attorney for college-age children and a Tax Court case...

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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.