Constructive Receipts, Living on Basis, Pension Plan Consultants, and More: Q&A #1948

December 21, 2019

Constructive Receipts, Living on Basis, Pension Plan Consultants, and More: Q&A #1948

Jim and Chris discuss five questions today, such as the concept of constructive receipts, H&R Block, living on basis, and more! (10:10) A listener provides a web resource related to the concept of constructive receipts as it relates to 60-day rollovers. (26:05) A Marylander wants to know why Jim isn’t too fond of H&R Block. (31:35) Georgie Girl is intrigued by “living on...

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Determining What You’re Paying Your Financial Advisor: EDU #1945

December 18, 2019

Determining What You’re Paying Your Financial Advisor: EDU #1945

Jim and Chris address a listener’s email about how to determine what you’re paying your financial advisor.  This question stems from a previous podcast episode in which Jim and Chris discussed advisor fees—here they discuss confirming your fee calculations to be sure you’ve got it right....

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Quarterly Estimated Payments, Early Retiring, & Distribution Management: Q&A #1947

December 14, 2019

Quarterly Estimated Payments, Early Retiring, & Distribution Management: Q&A #1947

Jim pauses cheering on the New England Patriots to discuss with Chris some follow-up about 60-day Rollovers, quarterly estimated payments, early retiring, and distribution management. (10:15) A Virginian mentions some resources related to 60-day rollovers. (18:05) Tom Brady (just kidding!) would like to discuss quarterly estimated payments regarding taxes in retirement. (31:25) A Green Bay...

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Fees in Equity Trades: EDU #1944

December 11, 2019

Fees in Equity Trades: EDU #1944

Some questions have come up about fees in equity trades. Jim and Chris talk about how brokerage services can still make money even if they offer commission-free trades. https://media.blubrry.com/the_retirement_and_ira_show/p/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y19E44.mp3 Podcast: Play in new window | Download (Duration: 39:39 — 18.2MB) Subscribe:...

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Recovering After-Tax Money, SS Estimates, and HELOCs: Q&A #1946

December 7, 2019

Recovering After-Tax Money, SS Estimates, and HELOCs: Q&A #1946

December is already a week in (wow!) and Jim and Chris answer questions about recovering after-tax money, Social Security estimates, and HELOCs. (10:29) A listener asks about recovering after-tax money in an IRA or QRP that has been annuitized. (27:30) This question is about estimates provided by the SSA: do they assume that earnings in the prior year will continue until retirement? (38:28) A...

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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.