20 IRA Mistakes to Avoid

October 8, 2016

Jim is out of town,  so this week we are re-running a show that aired originally in April 2016. How much do you really know about IRAs? Jim and Chris discuss a Morningstar article that lists 20 IRA mistakes to avoid. They also talk about 457b accounts and answer a listener’s question involving Roth IRA disallowed contributions & earnings limits....

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Questions on Social Security Benefits

October 1, 2016

Jim and Chris answer multiple listeners’ questions regarding Social Security benefits. Can you apply for your Social Security benefit before you officially retire? If you plan on retiring before your Full Retirement Age, is there a way to better estimate your Social Security benefit? What are the new rules surrounding suspending your Social Security benefit?  They also answer a question...

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Proposed Changes to IRAs

September 24, 2016

Jim and Chris discuss a Senate bill that lists a number of proposed changes to IRAs. They also answer a listener’s questions about how to finance the construction of a new home in retirement. http://media.blubrry.com/the_retirement_and_ira_show/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-09-24-16.mp3 Podcast: Play in new window | Download (Duration: 1:43:02 — 47.2MB)...

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What to Do With RMDs You Don’t Need

September 17, 2016

You have to take Required Minimum Distributions (RMDs) from your non-Roth IRA retirement accounts when you reach 70 1/2. If you’re fortunate enough to not need the money, Jim and Chris discuss options for what to do with those RMDs. They also answer a listener’s question regarding how to determine if you need a Certified Financial Planner (CFP) or a Certified Public Accountant (CPA)...

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New Rules for 60 Day Rollovers

September 10, 2016

New Rules for 60 Day Rollovers

Jim and Chris discuss new rules regarding 60 day rollovers and also answer questions from listeners. If you withdraw funds from an IRA to purchase additional service years in PERA (Public Employees Retirement Association), will those IRA funds be taxable? Are you subject to the Government Pension Offset (GPO) if you also contribute to the Federal Employees Retirement System (FERS)? How much can...

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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.