Little-Known IRA Rules, Part 1: EDU #2642
October 21, 2026
If you would prefer to skip Jim and Chris’s banter about Jim’s garden greens and his trip to Nashville, Indiana you can skip to (12:00). Chris’s Summary Jim and I discuss little-known IRA rules that trace back to the IRS final regulations released in July 2024. The rules covered include how an older eligible designated beneficiary may calculate RMDs, a spousal RMD that is both hypothetical...
Listen NowCOBRA, Social Security, Pension Deferral, Annuities: Q&A #2642
October 17, 2026
Jim and Chris are joined by Tom Stivers for a couple questions on COBRA coverage for a younger spouse and Social Security survivor benefits and the RIB-LIM rule. Jim and Chris continue on without “Grasshopper” for a listener PSA following up on the Chip and Dale/Chippendale banter from a previous episode and questions on pension deferral past RMD age, insurer service after inheriting...
Listen NowStretch 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 Now
