Widow/Widower Tax Penalty

July 28, 2018

What happens if the spouse with the higher Social Security benefit passes away first? What claiming strategies are available to the remaining spouse and what other things should be considered? Chris and Justin discuss this topic in response to a Virginia listener’s question....

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Errors in Your Social Security Earnings Record

July 21, 2018

What happens if you notice errors in your Social Security Earnings Record? Jim and Chris discuss what to do to fix these errors and the time limit you have to do that in. They also answer a question on the timing of Social Security benefit calculations and a question regarding back door Roths. A live caller asked about how to read pension annual funding notices. And, see how well you do on a...

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Mega Roth Conversion Strategies

July 14, 2018

Have you ever wanted to contribute after-tax money to a Traditional 401(k) and then use it to super-fund a Roth IRA? Then you’d have something in common with a listener who emailed Jim recently. Listen to what Jim and Chris have to say about mega Roth conversion strategies. While they’re at it, Jim and Chris also answer questions regarding the Social Security Family Maximum, how to...

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Social Security Maximum Family Benefit

July 7, 2018

How exactly does Social Security’s Maximum Family Benefit get calculated? Jim and Chris answer this email question from a listener. They also delve into a Social Security question involving early retirement, pensions and a Social Security benefit for a couple who seem to be pension rich but asset poor....

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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.