Social Security, Roth Conversions, Taxes, Mortgages, and IRA Rollovers: Q&A #2118

May 1, 2021

Social Security, Roth Conversions, Taxes, Mortgages, and IRA Rollovers: Q&A #2118

Jim and Chris sit down to discuss listeners questions relating to Social Security, Roth conversions, taxes, paying off mortgages, and IRA rollovers.

(5:00) A Kentucky listener looks for clarification on the taxation of retroactive Social Security benefits.

(11:00) George asks for advice on deciding when to claim Social Security.

(22:00) A listener asks about how to convert money from a 457(b) plan into a Roth IRA.

(31:45) A listener wonders about the different tax consequences relating to taking money out of a 401(k) and IRA.

(42:30) George from Utah lays out his current investing philosophy and asks for an opinion on paying off a mortgage vs. investing that money.

(55:15) A Maryland listener asks about an IRA rollover and the related withdrawals of post-tax and pre-tax monies.


Check out the background of firms and investment professionals on FINRA’s BrokerCheck.

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

Jim Saulnier, Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC to residents of: CO, IA, IN, MA, NY, TN, TX, WI and WY. No offers may be made to or accepted from any resident outside the specific states mentioned. Jim Saulnier, Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Financial Planning services offered through Jim Saulnier and Associates, LLC., a Registered Investment Advisor. Cambridge and Jim Saulnier & Associates, LLC are not affiliated.