Annuity Topics and Long Term Care

June 9, 2018

Jim and Chris discuss annuity details common to all annuities, as well as noting differences between different types.  Jim spends some more time on the specifics of Flexible Premium Deferred Annuities, along with how different annuities have different funding requirements, benefit types, etc.  Jim talks briefly about income riders on annuities and how they impact your required minimum...

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Ed Slott Conference Review, Social Security, and FPDA Discussion

June 2, 2018

Jim summarizes some of what was discussed during the Ed Slott conference he attended last month.  Jim and Chris also discuss an email from a North Dakota Social Security Blog listener regarding alternatives to the old “file and suspend” strategy that is no longer available.  Chris clarifies some of the rules on claiming spousal and survivor benefits while responding to this email. ...

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Preparing Your Portfolio for Distributions

May 26, 2018

Chris and Justin discuss why setting up a bucketing plan before you retire can help avoid the pitfalls of retiring in a down-market year.  They discuss the basics of sequential risk, how it effects retirees, and some strategies to avoid it. http://media.blubrry.com/the_retirement_and_ira_show/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-05-26-2018-Podcast.mp3 Podcast: Play in new window |...

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Bucketing – AKA Asset Allocation for Retirees

May 19, 2018

Jim, Chris and Justin respond to an email from an Idaho listener regarding Bucketing: what it is, how it works, and how it fits into retirement planning.  They address how Bucketing and specific withdrawal sequence may help reduce the risk of down markets in the early years of retirement.  During the second half of the podcast, they address an email question received from a recent widower and...

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Forgotten Form 8606

May 12, 2018

What happens if you forget to file your Form 8606? Jim and Chris answer this question and a couple of others. A listener in CA wants to know what you can do if you disagree with the benefit amount that the Social Security Administration calculates for you. And a DE listener wants to know if you can collect missed survivor benefits if someone in the SS office never told you that you were...

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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.