Safe Withdrawal Rate: EDU #2505

January 29, 2025

Safe Withdrawal Rate: EDU #2505

Jim, Chris, and Jake share their thoughts on a recent Morningstar study that lowers the industry-standard safe withdrawal rate to 3.7%. They review a MarketWatch article discussing the study, highlighting points of agreement and disagreement. Throughout the conversation, they explore their approach to retirement planning, including the Minimum Dignity Floor™, See-Through Portfolio™, and Fun...

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Medicare Enrollment, Social Security, and Estate Taxes: Q&A #2504

January 25, 2025

Medicare Enrollment, Social Security, and Estate Taxes: Q&A #2504

Jim and Chris discuss listener questions relating to Medicare enrollment, Social Security benefits, and estate taxes. (6:00) George asks about Medicare’s special enrollment period and the impact of large Roth conversions on IRMAA thresholds after retirement. (18:30) A listener wonders about the impact of the Social Security (Un)Fairness Act on spousal and survivor benefits eligibility. (23:00)...

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Charitable Remainder Trusts Part 2: EDU #2504

January 22, 2025

Charitable Remainder Trusts Part 2: EDU #2504

Jim, Chris, and guest Paul Neiffer, CPA, continue their discussion on Charitable Remainder Trusts. They also answer listener questions related to CRTs, CRATs and CRUTs. https://media.blubrry.com/the_retirement_and_ira_show/s3.us-east-1.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y25E04.mp3 Podcast: Play in new window | Download (Duration: 1:28:34 — 40.5MB) Subscribe:...

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Contributions, Social Security, 415 Limits, and Beneficiaries: Q&A #2503

January 18, 2025

Contributions, Social Security, 415 Limits, and Beneficiaries: Q&A #2503

Jim, Chris, and Jake sit down to discuss listener questions relating to contributions, Social Security, 415 limits, and beneficiaries. PSA: Chris and Jake review several questions from this weeks EDU show relating to 415 limits, new age 60-63 “super” catch-up contributions effective under SECURE 2.0. (10:30) A listener looks for clarification on his wife’s spousal Social...

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“Super-Catchup” Retirement Plan Contributions: EDU #2503

January 15, 2025

“Super-Catchup” Retirement Plan Contributions: EDU #2503

Chris and Jake discuss the new “Super-Catchup” retirement plan contributions, explaining who qualifies and how they work. https://media.blubrry.com/the_retirement_and_ira_show/s3.us-east-1.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y25E03.mp3 Podcast: Play in new window | Download (Duration: 56:25 — 25.8MB) Subscribe:...

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Jim Saulnier and Associates | 970-530-0556 | 506 East Mulberry Street, Fort Collins, Colorado 80524

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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.