Roth Conversions, Social Security, CD Ladders, and SPIAs: Q&A #2405

February 3, 2024

Roth Conversions, Social Security, CD Ladders, and SPIAs: Q&A #2405

Jim and Chris sit down to discuss listeners questions relating to Roth conversions, Social Security, CD ladders, and SPIAs.

(3:30) A Californian listener wonders if Roth conversions are subject to the Social Security earnings test.

(9:30) Georgette from Georgia looks for clarification on the maximum earnings limit regarding her husbands Social Security statement.

(16:15) A listener asks about building CD ladders and how to re-invest the funds as they mature throughout the ladder.

(36:45) A Colorado listener wonders how to look into SPIAs and determine if they’re being issued by a private equity insurance company.

Check out the background of firms and investment professionals on SEC’s Adviser Info Page.

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

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.