Planning Opportunities Due To the Death of the Stretch IRA: EDU #2017

April 29, 2020

Planning Opportunities Due To the Death of the Stretch IRA: EDU #2017

Jim and Chris discuss a topic brought to us from a listener’s email:  what are some planning opportunities that might exist because of the death of the stretch IRA? https://media.blubrry.com/the_retirement_and_ira_show/p/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y20E17.mp3 Podcast: Play in new window | Download (Duration: 1:48:12 — 49.5MB) Subscribe:...

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CARES Act, Monte Carlo, FERS, and IRMAA: Q&A #2017

April 25, 2020

CARES Act, Monte Carlo, FERS, and IRMAA: Q&A #2017

Jim calls in from his kitchen today to discuss with Chris some considerations about the CARES Act, a clarification on the Monte Carlo analysis, and some questions about FERS and IRMA. (5:41) Jim brought up a listener’s question to the Ed Slott group concerning COVID-related withdrawals that are allowed with the CARES Act. (36:20) Chris clarifies some information about the Monte Carlo...

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Indexed Universal Life Policies: What if You Already Have One? EDU #2016

April 22, 2020

Indexed Universal Life Policies: What if You Already Have One? EDU #2016

Jim and Chris discuss a follow-up to a previous EDU episode in which they talked about indexed universal life policies as a retirement strategy.  After discussing the pros, cons, and potential gotchas of IULs in that former episode, a question was posed: what if I already have one?...

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Roth Conversion Questions & Unemployment Contributions to a Roth: Q&A #2016

April 18, 2020

Roth Conversion Questions & Unemployment Contributions to a Roth: Q&A #2016

Jim and Chris take their time answering two questions today about Roth conversions and unemployment contributions to a Roth. (4:38) George from Minnesota wonders what are some considerations for doing a Roth conversion as someone in their 50s: how much should he convert? What are some potential pitfalls? (33:04) A 38-year-old listener has some questions about using unemployment benefits to...

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Coronavirus Market Fears and a Variable Annuity: EDU #2015

April 15, 2020

Coronavirus Market Fears and a Variable Annuity: EDU #2015

A listener who purchased a variable annuity with a guaranteed income benefit is worried because his annuity has dropped about $90,000 in value since the stock market corrected over the coronavirus, but still offers a compelling income benefit.  He is unsure if he should keep the annuity or transfer it to Vanguard where he manages his own money.  Jim and Chris dissect his situation and explain to...

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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.