What’s a QLAC (part 2)

April 30, 2016

A couple of weeks ago, Jim, Chris and Peter talked about QLACs (Qualified Longevity Annuity Contracts). This week Jim and Chris expand on that topic to discuss QLAC rules and restrictions and their limits and benefits. They also talk about what happens if you inherit a QLAC. This show discusses Qualified Longevity Annuity Contracts (QLAC) which are fixed insurance products. QLACs are offered for...

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Social Security Spousal Benefits Are Not Going Away!

April 23, 2016

Social Security Spousal Benefits Are Not Going Away!

Social Security did make some changes that will go into effect at the end of April, but spousal benefits are not going away! The ability to file for your own benefit and suspend it so your spouse can then claim their spousal benefit is. Jim and Chris discuss this change and explain what’s really going on. They also discuss questions from listeners regarding backdoor Roth IRAs and whether...

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20 IRA Mistakes to Avoid

April 16, 2016

How much do you really know about IRAs? Jim and Chris discuss a Morningstar article that lists 20 IRA mistakes to avoid. They also talk about 457b accounts and answer a listener’s question involving Roth IRA disallowed contributions & earnings limits. http://media.blubrry.com/the_retirement_and_ira_show/p/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-04-16-16.mp3 Podcast: Play in...

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Social Security Widow’s Benefit

April 9, 2016

Social Security Widow’s Benefit

Jim Chris and Peter answer listener’s questions including: How can you best transition from receiving a Social Security widow’s benefit to one’s own retirement benefit? How do the new changes in Social Security affect survivor’s benefits?  And what needs to be in place for an estate to take an income tax deduction for a substantial charitable gift left in a will?...

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What’s a QLAC?

April 2, 2016

Have you heard of a QLAC, Qualified Longevity Annuity Contract? Jim, Chris and Peter discuss what QLACs are, how they work and how they could benefit you. And, while Jim is at a dentist appointment, Chris and Peter answer some email questions from listeners.  What kinds of Social Security claiming strategies are open to couples when there is a large age split between the spouses? What happens to...

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Check out the background of firms and investment professionals on FINRA’s BrokerCheck.

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.