Safe Withdrawal Rate: EDU #2505

January 29, 2025

Safe Withdrawal Rate: EDU #2505

Jim, Chris, and Jake share their thoughts on a recent Morningstar study that lowers the industry-standard safe withdrawal rate to 3.7%. They review a MarketWatch article discussing the study, highlighting points of agreement and disagreement. Throughout the conversation, they explore their approach to retirement planning, including the Minimum Dignity Floor™, See-Through Portfolio™, and Fun...

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Social Security, CARES Act, and Monte Carlo Analysis: Q&A #2030

July 25, 2020

Social Security, CARES Act, and Monte Carlo Analysis: Q&A #2030

Jim and Chris answer questions about Social Security Benefits, the CARES Act, and justifications about the Monte Carlo analysis. (8:45) A listener asks about backdating his own delayed Social Security benefit as well as his wife’s benefit at her full retirement age. (16:42) A New Jerseyan wonders if his wife can collect on his Social Security benefit at his full retirement age if it is...

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CARES Act, Monte Carlo, FERS, and IRMAA: Q&A #2017

April 25, 2020

CARES Act, Monte Carlo, FERS, and IRMAA: Q&A #2017

Jim calls in from his kitchen today to discuss with Chris some considerations about the CARES Act, a clarification on the Monte Carlo analysis, and some questions about FERS and IRMA. (5:41) Jim brought up a listener’s question to the Ed Slott group concerning COVID-related withdrawals that are allowed with the CARES Act. (36:20) Chris clarifies some information about the Monte Carlo...

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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.