Covering Retirement Income Gaps: EDU #2630
July 29, 2026
Chris’s Summary Jim and I continue our discussion on the Fun Number™, this time tackling what comes out first and how we plan for covering retirement income gaps. We look at funding both the delay period and post-delay period, including how a SPIA quote helps determine how much to set aside today to close a future gap. We also address aging and long-term care, and the smaller, less...
Listen NowSocial Security, Roth 401k, HSA Reimbursement, Pension Options, Trust Planning: Q&A #2630
July 25, 2026
Jim and Chris discuss listener emails on Social Security survivor benefit strategies, a Roth 401(k) catch-up rule loophole, HSA reimbursement for Medicare premiums, pension options including a lump sum rollover, and trust titling versus individual beneficiaries. (13:00) — George asks whether his brother can claim his own Social Security benefit at 62 and switch to the higher survivor benefit at...
Listen NowRetirement Budgeting – The Fun Number: EDU #2629
July 22, 2026
Chris’s Summary “Jim and I begin a multi-part discussion on the Fun Number™, a retirement budgeting concept for how much someone can spend on what they want rather than what they need once other obligations are covered. Jim traces how the idea originated from a client hesitant to follow through with his retirement dreams despite having more than enough saved to do so. In...
Listen NowSocial Security, Pension RMDs, Interest Taxation, Portfolio Strategy: Q&A #2629
July 18, 2026
Jim and Chris discuss the new PROMISE Act’s potential impact on Social Security before covering listener emails on pension RMD timing, interest taxation versus capital gains indexing, and portfolio strategy around Social Security survivor benefits and multi-account allocation. (5:30) — Chris discusses the new PROMISE Act and how it may impact Social Security. (17:15) — George asks how long...
Listen NowA Potpourri of Beneficiary Disputes and Tax Laws: EDU #2628
July 15, 2026
Chris’s Summary Jim and I dig into two beneficiary disputes as part of what we’re calling a “potpourri” EDU show: the 1930s Goodman Triangle life insurance gift tax dispute and a recent Montana Supreme Court ruling on an uncashed cashier’s check. We also discuss a bipartisan proposal to raise the home sale capital gains exclusion and a separate proposal to index...
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