Stretch IRA Eligibility: EDU #2641
October 14, 2026
If you would prefer to skip Jim and Chris chatting about fall weather in Colorado and Ohio, Jim’s upcoming trip to Nashville, and country music, you can skip to (11:30). Chris’s Summary Jim and I look at stretch IRA eligibility after the SECURE Act and who now qualifies as an eligible designated beneficiary. We start with why naming a beneficiary matters, then trace how the stretch was assembled...
Listen NowSocial Security, Milestone Ages, HSAs, Roth Withdrawals, Annuity Providers: Q&A #2641
October 10, 2026
Jim and Chris discuss listener emails on Social Security first check timing at age 70 and child-in-care spousal benefits, additional milestone ages and HSA contribution PSAs, Roth withdrawals under the Rule of 55, and finding annuity providers with good customer service. (11:30) A listener asks whether Social Security benefits started in the month of a 70th birthday should arrive the following...
Listen NowSingle Life Pension Tradeoffs: EDU #2640
October 7, 2026
Chris’s Summary: With Jim traveling, I’m joined by the newest member of the Jim Saulnier & Associates team, Tom Stivers, to review an email from a listener couple who both chose a single life pension, with term life insurance on the higher earner. Their situation raises concerns about Social Security claiming ages, their Minimum Dignity Floor™ catching up to income if...
Listen NowHSA Catch-up PSA, Social Security, IRMAA, Roth Conversion, Annuity Timing: QA #2640
October 3, 2026
Jim and Chris discuss listener emails, beginning with a listener PSA on HSA catch-up contributions at age 55, then cover Social Security spousal benefits when claiming before full retirement age, paying IRMAA with HSA funds and the SSA-44 form for IRMAA appeals, whether a Roth conversion counts as a 60-day rollover, and annuity timing as interest rates fall. (6:45) A listener shares a PSA noting...
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