Social Security, Pro-Rata Rule, Roth Conversions, and Positioning: Q&A #2150

December 11, 2021

Social Security, Pro-Rata Rule, Roth Conversions, and Positioning: Q&A #2150

Jim and Chris sit down to discuss listeners questions relating to Social Security, the pro-rata rule, Roth conversions, and positioning.

Intro: Jim and Chris discuss the recent court case involving gold within an IRA as well as the delay to complete 2021 Roth conversions and some potential strategies to combat this.

(31:15) George from Texas looks for confirmation on his Social Security claiming strategies.

(39:30) A Californian listener asks about the pro-rata rule and whether or not it applies to 401(k)s as well as IRAs.

(46:15) A listener looks for clarification on Roth conversions.

(49:30) A listener in Idaho lists his thoughts on investing for fun spending and looks for the opinion of Jim and Chris.

(59:45) A Coloradoan listener looks for advice on how to transition from aggressive allocations to safer allocations as the assets are needed to be spent in the future.

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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.