QLAC vs. 401k

August 25, 2018

Jim and Chris answer a question from a listener who did a backdoor Roth contribution but got caught by the pro rata rule. The listener wanted to know if it was advisable to rollover a Traditional IRA into an existing 401k or a Qualified Longevity Annuity Contract (QLAC). Jim and Chris also speak with Rachel Hanson of Senior Life Solutions regarding finding assistance for seniors. They discuss...

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Matter of Trusts

August 18, 2018

A caller from Texas asks Jim and Chris about trusts, revocable trusts and wills. They also discuss a couple of Social security questions. Are COLA adjustments for survivor benefits still calculated if the survivor hasn’t filed for Social Security yet? And how is the survivor benefit full retirement age different from the retirement benefit full retirement age?...

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Capital Gains Tax

August 11, 2018

Not many people are enthusiastic about taxes, but exemptions to those taxes aren’t too bad, as long as you know what the rules are. Chris and Justin discuss the ramifications of the new personal residence capital gains tax exemption. Also, in honor of the school year starting soon, see how well you do on a true/false Social Security quiz....

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Inherited IRAs

August 4, 2018

What kinds of options are there for beneficiaries of inherited IRAs? Jim and Chris chat with a listener from Texas who has multiple questions on this topic.             http://media.blubrry.com/the_retirement_and_ira_show/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-08-04-2018-Podcast.mp3 Podcast: Play in new window | Download (Duration: 51:13 — 23.4MB)...

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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.