Transition Period Strategy Part 1 – Asset Positioning: EDU #2516
April 16, 2025
Chris’s Summary: Jim and I are joined by Jake and Jacob to discuss listener emails related to asset positioning for retirement and the transition period leading up to it. We break down how we think about asset allocation across account types, what a liquidity account is and why we use it, and how we handle year-end tax planning. It’s all part of how and why our Secure Retirement Income Process™...
Listen NowSocial Security, RMD age, Tax Planning, and Inherited Roth IRAs: Q&A #2515
April 12, 2025
Jim and Chris discuss listener questions relating to Social Security, origins of the RMD age, the tax planning window, and RMDs from Inherited Roth IRAs. (11:00) Georgette asks how to qualify for child-in-care survivor benefits if her ex-husband, who has been missing for seven years, is legally declared deceased. (23:00) A listener wonders when to file for her Social Security benefit to ensure...
Listen NowDefining Unicorn Status in Retirement: EDU #2515
April 9, 2025
Chris’s Summary:Jim and I are joined again by Jacob as we discuss listener emails about “unicorn” status—our term for retirees whose Minimum Dignity Floor™ and Fun Number™ are both covered by secure income. We clarify what qualifies as secure income and explore whether a very low withdrawal rate from a conservative portfolio might serve as a substitute. We also touch on when rental income might...
Listen NowSocial Security, Roth Conversion Tax Strategy, and Identity Theft PSA: Q&A #2514
April 5, 2025
This week’s is a bit of a non-traditional Q&A episode where Jim and Chris address two listener questions on Social Security but then move into Public Service Announcement mode. For the first PSA they discuss a listener email about a potential state-level Roth conversion tax saving strategy. Then, to wrap up the episode, Jim shares a continuation of the payday loan saga from last week. Jim...
Listen NowWeathering Market Downturns: EDU #2514
April 2, 2025
Chris’s Description Jim and I talk about how market downturns—like the one we’re seeing now—can cause people to second-guess their plans, even when they’re well prepared. We walk through how our Secure Retirement Income Process™ is designed to provide structure and clarity during volatile times, and explain how proper positioning can help you maintain perspective. Jim’s...
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