Reliability of Online Retirement Calculators

March 26, 2016

Have you seen those online retirement calculators? You’ll want to listen to this show before you try one out for yourself. Jim and Chris discuss the results of a Texas Tech/Utah Vally University study regarding just how accurate those calculators are.  Also, how good are we with making financial decisions as we get older? During the second half of the show Jim and Chris talk about a joint...

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Unified Transfer to Minors Act

March 19, 2016

Do you know what an UTMA account is? Jim, Chris and Peter discuss Unified Transfer to Minors Act accounts including: what is an UTMA? What are the rules regarding these accounts?  How can you best use an UTMA account and what are their limitations? They also talk about when you’ll receive a 1099 for tax purposes when you transfer money in and out of retirement accounts....

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Taxes and Roth Recharacterizations

March 12, 2016

Taxes and Roth Recharacterizations

Jim and Chris discuss what you can do to minimize the impact on your taxes if you converted an IRA to a Roth IRA and then the Roth dropped in value. They also discuss some potentially no-so-great financial advice that Chris heard on another radio show involving paying down debt and Thrift Savings Plan accounts. And… Jim and Chris answer a question from a caller regrading how much money you...

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Pension Lump-Sum Benefit

March 5, 2016

Pension Lump-Sum Benefit

Jim and Chris answer listeners’ email questions during this show including: if your pension has a lump-sum payment option, how can you calculate what that payment would be? Regarding Social Security, if an individual filed and suspended their benefit already, will the new Social Security rules impact him or her? If you have multiple IRAs, what are important things to consider if you want...

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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.