Family Maximum Benefit, Means Test, QCDs, Tax Strategies, and SPIA Income: Q&A #2449

December 7, 2024

Family Maximum Benefit, Means Test, QCDs, Tax Strategies, and SPIA Income: Q&A #2449

Jim and Chris discuss listener questions relating to the Family Maximum Benefit, Means Test, Qualified Charitable Donations, tax strategies for pension benefits, and spreadsheet tracking of SPIA income. (10:00) Georgette asks about factoring in the Family Maximum Benefit while deciding when to start taking Social Security (19:30) A listener looks for a better understanding of Survivor Benefits...

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Common Estate Planning Mistakes: EDU #2449

December 4, 2024

Common Estate Planning Mistakes: EDU #2449

Chris is joined by estate planning attorney Shelley Thompson while Jim is traveling. Chris and Shelley discuss common mistakes people make with their Wills. https://media.blubrry.com/the_retirement_and_ira_show/s3.us-east-1.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y24E49.mp3 Podcast: Play in new window | Download (Duration: 1:06:40 — 30.5MB) Subscribe:...

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Social Security, Annuity RMDs, and Being a CFP: Q&A #2448

November 30, 2024

Social Security, Annuity RMDs, and Being a CFP: Q&A #2448

Jim and Chris discuss listener questions relating to Social Security, Annuity RMDs, and next steps after passing the CFP exam. (5:30) George asks if you’re required to claim Social Security as soon as you turn 70. (13:00) The guys are asked for their input on Social Security claiming strategy. (21:00) Jim and Chris discuss whether there are differences in the handling of RMDs for different...

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60-day Rollover Conversion Strategy: EDU #2448

November 27, 2024

60-day Rollover Conversion Strategy: EDU #2448

Jim and Chris received an email from a listener asking about completing a Roth conversion using a 60-day rollover. In response, they decided to take a dive deep into the topic, exploring what they call the “60-day rollover conversion” strategy. https://media.blubrry.com/the_retirement_and_ira_show/s3.us-east-1.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y24E48.mp3 Podcast:...

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Earnings Test, IRMAA, Survivor Benefits, 529 Plans, and SPIAs: Q&A #2447

November 23, 2024

Earnings Test, IRMAA, Survivor Benefits, 529 Plans, and SPIAs: Q&A #2447

Jim and Chris sit down to answer listener questions related to Social Security, 529 Plans, and SPIA payments… (6:30) A listener wonders if they will be subject to the Social Security earnings test. (14:30) The guys weigh in on if/how a Roth conversion would impact an IRMAA appeal. (30:30) Chris answers whether there is a time limit to apply for Survivor Benefits. (46:30) George asks...

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

© 2026, Jim Saulnier & Associates All rights reserved.

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.