Revocable Living Trusts and Taxes

December 23, 2017

Jim and Chris answer a listener’s question regarding revocable living trusts and taxes. They also discuss Roth IRAs and the Foreign Earned Income Exclusion in response to a question from an ex-pat in Singapore. Peter Scott joins Jim and Chris for the back half of the show to talk about important estate planning documents people need....

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HSA as a Retirement Account

December 16, 2017

Jim and Chris answer a question from a caller in TX who wanted to know about the advantages of opening a Health Savings Account (HSA) and not using the money now. They also answer questions from other financial planners. One asked about how to structure a Registered Investment Advisor (RIA) firm. The other asked about succession planning as it relates to retirement planning. Jim and Chris also...

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Monthly Pension or Lump-sum Payment?

December 9, 2017

Jim, Chris and Justin answer an email from a listener in Maine on whether the listener’s wife should take the monthly payment option or a lump sum payout from her pension plan. Another listener (state unknown) wondered why his IRA account was now identified by his brokerage firm as a “grandfathered” account. Jim and Chris also include a rebroadcast of the December 9th Colorado Retirement...

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Inherited IRAs and RMDs

December 2, 2017

Jim and Chris answer questions from listeners.  If there are two beneficiaries for an inherited IRA, do both beneficiaries have to take the required minimum distribution, or can just one beneficiary take it? Also, why would you want to do a Roth Conversion when the market is high? And, if you convert an IRA, is there a waiting period before you can recharacterize the conversion? Plus, Jim and...

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ACA Health Insurance Subsidies and Retirement Income

November 18, 2017

Chris and Justin Fundalinski answer an email question from a listener regarding using a HELOC to supplement retirement income in order to keep an ACA health insurance subsidy. They also look into the proposed elimination of Roth IRA recharacterizations in the House Tax Bill. Plus, they consider what happens if you default on a 401(k) loan....

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

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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.