Edu: Qualified Charitable Distributions

November 28, 2018

A California listener’s email got Jim thinking about how Qualified Charitable Distributions (QCDs) can be used to lower the tax burden of some retirees. So, tune in as the guys take an in-depth look at QCDs this week. Podcast: Play in new window | Download () Subscribe:...

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Q&A: Blended Funds, WEP, Delaying Social Security

November 24, 2018

A listener from Vermont wonders how and if blended funds could fit into his retirement portfolio. Jim and Chris also tackle more Social Security questions; including helping a listener from Georgia get some clarification on the Social Security Windfall Elimination Provision (WEP), doing some math for another Georgia listener pondering delaying Social Security benefits, and more.  ...

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Edu: Getting More Time for a Roth Conversion

November 21, 2018

With recent changes to tax laws, it may be beneficial to get more time to do a Roth Conversion. An unfortunate byproduct of the 2018 tax law change is the inability to do a Roth Recharacterization. This means that a Roth Conversion is final and you must pay all taxes due. However, it can be difficult to know what your tax situation is, in December, when you need to decide on your conversion...

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Q&A: Roth Conversion Strategies and Budgeting Taxes

November 17, 2018

This week Jim and Chris tackle a couple great listener questions.  An Oregan listener asks about budgeting, and saving for, paying taxes in the “bucket” strategy for retirement. Another listener wonders if there is a benefit to converting a percentage of, as opposed to all of, a Roth IRA account.  ...

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Edu: How Wages Impact Social Security

November 14, 2018

Have you wondered how wages from working in retirement might impact your Social Security Benefits?   This week Jim and Chris were inspired by several listener questions to take a closer look at how working while collecting Social Security can affect benefits. They will delve into topics including whether your wages could reduce your benefits (through the Earnings Test), or increase the taxes you...

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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.