Coronavirus Market Fears and a Variable Annuity: EDU #2015
April 15, 2020
A listener who purchased a variable annuity with a guaranteed income benefit is worried because his annuity has dropped about $90,000 in value since the stock market corrected over the coronavirus, but still offers a compelling income benefit. He is unsure if he should keep the annuity or transfer it to Vanguard where he manages his own money. Jim and Chris dissect his situation and explain to...
Listen NowChoices in Generated Secure Income: EDU #2012
March 25, 2020
As Jim and Chris practice “social distancing” during this time of the coronavirus, they discuss a topic mentioned in a listener’s email: choices in generated secure income, particularly as it refers to income annuities. https://media.blubrry.com/the_retirement_and_ira_show/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y20E12.mp3 Podcast: Play in new window | Download...
Listen NowCharitable Gift Annuities: EDU #2009
March 4, 2020
CPA Bob Palechek joins Chris again today to discuss a topic mentioned in a listener’s email: charitable gift annuities. In particular they dive into three issues about charitable gift annuities: When might they fit into a retirement income plan? How does their income stream compare to other annuities like SPIAs? The pros and cons of their tax planning opportunities, or any downsides in...
Listen NowLive Caller: Reducing IRMAA, Bonds or Income Annuities, and Some Comments: Q&A #2007
February 15, 2020
A live caller and an email comment from a financial planner are featured on today’s podcast. Jim and Chris talk through a listener’s concerns about establishing less-volatile accounts while still keeping low income for tax strategies. (3:12) Live caller George would like to discuss how to reduce IRMAA early in retirement (35:45) George continues by asking how to establish secure...
Listen NowQCDs, Social Security Benefits, Trust Tax Rates, and More: Q&A #2006
February 8, 2020
Jim would like to answer a record-breaking 8 questions today (Chris estimates that 3 is more realistic), but nonetheless they answer topics about QCDs, Social Security benefits, trust tax rates, and more! (In the end, Jim and Chris answered 7 listener questions–not too shabby!) (6:10) A Californian would like clarity about taking out a QCD from an IRA. (8:45) A listener would like to know...
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