Beste Jim Saulnier, CFP® & Chris Stein, CFP® podcaster (2024)

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SECURE Act Updates :EDU #2446 59:46

11h ago59:46

59:46

Jim and Chris sit down for another EDU show discussing updates to the SECURE Act that Jim brought back from the recent Ed Slott conference. The post SECURE Act Updates :EDU #2446 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Social Security, RMDs, QLACs, and Buffered ETFs: Q&A 2445 1:25:52

1d ago1:25:52

1:25:52

Jim and Chris sit down to discuss listeners questions relating to Social Security, RMDs, QLACs, and Buffered ETFs… (12:30) The guys are asked if dual citizenship will affect Social Security benefits. (20:30) George looks for clarity on Social Security’s family maximum rules. (30:00) Chris explains the reduction factor when claiming a spousal Social…

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Stretch IRA Rules and More: EDU #2445 1:00:29

8d ago1:00:29

1:00:29

Jim and Chris sit down to discuss a few things Jim brought back from his recent Ed Slott conference including a discussion of ALAR (10-year RMD rule) and stretch IRAs. The post Stretch IRA Rules and More: EDU #2445 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Medicare, Roth Conversions, Spousal Benefits, 401(k) Contributions, and RMDs: Q&A #2444 1:40:46

12d ago1:40:46

1:40:46

Jim and Chris (and Jake too!) sit down to answer some listener questions about Medicare, Roth conversions, Social Security, and 401k catch up contributions… (10:00) George wonders how his wife’s ACA premium tax credits will be affected for the first part of the year if he increases his income after she turns 65 and enrolls in Medicare. (23:45) The …

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How Listeners are Implementing Our Planning Process: EDU #2444 1:40:25

15d ago1:40:25

1:40:25

On this week’s EDU Discussion edition Jim and Chris welcome back Jake Turner, a fellow planner from the JSA team, as they take some time to opine on how some listeners are implementing their own versions of our retirement planning process. The post How Listeners are Implementing Our Planning Process: EDU #2444 appeared first on The Retirement and I…

1
Social Security WEP and GPO Special: Q&A #2443 1:08:25

19d ago1:08:25

1:08:25

With Jim attending an Ed Slott conference, Chris takes some time to answer a WEP and GPO question before offering listeners general information on Social Security changes for 2025 and a detailed walkthrough of the WEP and GPO provisions of Social Security. (6:30) George asks for more information on whether Social Security offsets are adjusted due t…

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Qualified Annuities and IRA Deep Dive: EDU #2443 1:12:27

22d ago1:12:27

1:12:27

Jim and Chris first talk about the “Qualified Annuity Stretch” before starting a deep dive into the IRA portion of “The Retirement and IRA Show” with a discussion of 9 of Ed Slott’s “top 23 questions advisors ask”. The post Qualified Annuities and IRA Deep Dive: EDU #2443 appeared first on The Retirement and IRA Show.…

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Qualified Accounts, Social Security, Medicare, HSAs, and Roth Conversions: Q&A #2442 55:34

26d ago55:34

55:34

Jim and Chris sit down to discuss listeners questions relating to Qualified Accounts, Social Security, Medicare, HSAs, and Roth Conversions. (6:45) The guys clarify the meaning of the word qualified when it applies to retirement accounts as pointed out by a listener to their podcast (13:00) Georgette is curious how child-in-care family max is affec…

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Medicare Enrollment Assistance Special Episode: EDU #2442 1:30:13

29d ago1:30:13

1:30:13

With Medicare open enrollment season here, Jim and Chris welcome a special guest, Brad Grier, who volunteers with the Nebraska State Health Insurance Assistance Program (SHIP). Brad talks with the guys about what SHIP is and how it might be helpful to you in your state. The post Medicare Enrollment Assistance Special Episode: EDU #2442 appeared fir…

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Social Security Benefits and Roth IRA Annuities: Q&A #2441 1:36:32

1M ago1:36:32

1:36:32

Jim and Chris sit down to discuss listener questions relating to Social Security benefits then return to a question from last week to take a deeper look at Roth IRA Annuity payments… (18:00) A listener asks if he might be able to collect full Social Security benefits while working part-time for a local government job. (25:45) Georgette hopes for so…

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Medicare Insurance Special: EDU #2441 1:25:58

1M ago1:25:58

1:25:58

With Medicare open enrollment season approaching, Jim and Chris welcome a special guest, Tyler Haskell, CFP. Tyler has been a Medicare Insurance Broker for 12 years, helping people navigate the complexities of the Medicare system. The post Medicare Insurance Special: EDU #2441 appeared first on The Retirement and IRA Show.…

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Social Security, Retirement Planning, 529 Savings Accounts, Roth Losses, and FIAs: Q&A #2440 1:25:24

1M ago1:25:24

1:25:24

Jim and Chris sit down to discuss listener questions relating to Social Security benefits, planning with the potential for an SO, funding a 529 savings account, losses in a Roth IRA, and Fixed Indexed Annuities… (9:00) A listener hopes Chris can tell him if having a different name on his Birth Certificate and Social Security card is going to be an …

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Our Retirement Planning Process: EDU #2440 1:39:58

1M ago1:39:58

1:39:58

Jim and Chris sit down for another EDU show dedicated to our retirement planning process. In this episode the guys dialog with listeners, answering questions and expounding on key ideas. The post Our Retirement Planning Process: EDU #2440 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Buffered ETFs Special Episode: Q&A #2439 1:36:21

2M ago1:36:21

1:36:21

Jim and Chris welcome back special guest Matthew Kaufman, from Calamos Investments, to answer a series of listener questions on buffered/principle protected ETFs … (13:00) Georgette wants to know how an ETF and those invested in it are affected if the managing firm goes bankrupt. (22:00) A listener wonders how to assess an appropriate risk /reward …

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Estate Planning Special Edition: EDU #2439 1:25:33

2M ago1:25:33

1:25:33

Jim and Chris welcome back Estate Planning Attorney, Shelly Thompson in this special EDU edition turned Q&A… (8:30) A listener asks how to find a reputable estate lawyer and if there are any books Shelly recommends for learning more about Living Trusts. (20:00) George wonders what the best practice is for making funds available to an executor that …

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Social Security Child-in-Care, Disability, and Survivor Benefits; and Conduit Trusts: Q&A #2438 1:33:48

2M ago1:33:48

1:33:48

Jim and Chris sit down to discuss listener questions relating to Social Security Child-in-Care, Disability, and Survivor Benefits, as well as Conduit Trusts… (20:00) A listener asks if he qualifies for child-in-care benefit under his wife’s Social Security since he helps care for their disabled son, and if the son could be getting half of her Socia…

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Our Retirement Planning Process and Philosophy Part 13: EDU #2438 1:39:03

2M ago1:39:03

1:39:03

Jim and Chris finish their long-running series about their retirement planning process with a final discussion about asset positioning. The post Our Retirement Planning Process and Philosophy Part 13: EDU #2438 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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COLA, WEP, and Annuities: Q&A #2437 1:33:04

2M ago1:33:04

1:33:04

Jim and Chris sit down to discuss listener questions relating to Social Security (COLA and WEP), perspectives on annuities, and Delayed Variable Income Annuities… (9:15) A listener wants to know if there is better way to project Social Security benefits since it does not appear the SS website takes COLA into account. (17:30) Georgette asks if the S…

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Our Retirement Planning Process and Philosophy Part 12: EDU #2437 1:10:29

2M ago1:10:29

1:10:29

Jim and Chris continue the recent series on their philosophy/approach to retirement planning and their positioning approach for retirement spending. The post Our Retirement Planning Process and Philosophy Part 12: EDU #2437 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Social Security Disability, AI Jokes, Reverse Mortgages, and Inherited IRAs: Q&A #2436 1:20:17

2M ago1:20:17

1:20:17

Jim and Chris sit down to discuss listener questions relating to Social Security Disability, Minimum Dignity Floor, Reverse Mortgages, and Inherited IRAs… (4:00) George wonders if he continues to work and his Social Security benefit is reduced to $0, if that also make his wife’s spousal benefit and child’s disability benefit $0. (16:15) Chris answe…

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Our Retirement Planning Process and Philosophy Part 11: EDU #2436 1:09:07

2M ago1:09:07

1:09:07

Jim and Chris continue the recent series on their philosophy/approach to retirement planning and discuss how their “positioning” approach differs from the classic “bucket” approach to saving and budgeting. The post Our Retirement Planning Process and Philosophy Part 11: EDU #2436 appeared first on The Retirement and IRA Show.…

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Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks : Q&A #2435 1:15:46

2M ago1:15:46

1:15:46

Jim and Chris sit down to discuss listener questions relating to Social Security Disability, Spousal Benefits, SPIAs, Equities, and Roth 401ks. (6:30) George hopes Chris can confirm his Social Security math and give some input on when his wife should claim her benefits. (17:30) A listener looks for clarification on whether his wife can claim her So…

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Our Retirement Planning Process Questions Answered: EDU #2435 1:19:20

3M ago1:19:20

1:19:20

With Jim out sick, one of the other planners at Jim Saulnier & Associates, Jake Turner, joins Chris to discuss some questions that have come in about the retirement planning process. The post Our Retirement Planning Process Questions Answered: EDU #2435 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Social Security, Long-Term Care, Child-In Care Benefits, Annuities, and Tax Credits: Q&A #2434 1:08:36

3M ago1:08:36

1:08:36

Chris discusses listener questions relating to Social Security, long-term care, child-in-care benefits, annuities, and tax credits. (5:00) Chris chats about a Social Security press release regarding the overpayment burden for Social Security beneficiaries. (12:15) A listener looks for clarification on how much long-term care (LTC) coverage we’d rec…

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Our Retirement Planning Process and Philosophy Part 10: EDU #2434 55:56

3M ago55:56

55:56

Jim and Chris continue their recent series on our philosophy/approach and discuss potentially using home equity to fund Aging/LTC needs. The post Our Retirement Planning Process and Philosophy Part 10: EDU #2434 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Social Security Benefits, Inherited IRA RMDs, Timing RMDs with QCDs: Q&A #2433 1:20:24

3M ago1:20:24

1:20:24

Jim and Chris sit down to discuss listener questions relating to child-in-care benefits, delayed retirement benefits, Inherited IRA RMDs, and timing RMDs and QCDs. (4:30) A listener wonders if she should have been collecting child-in-care benefits over the last 20 years of caring for her disabled son. (11:00) Georgette recalls Chris speaking about …

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Our Retirement Planning Process and Philosophy Part 9: EDU #2433 1:27:31

3M ago1:27:31

1:27:31

Jim and Chris continue their discussion of “seesaw assets” and leveraging a long-term care insurance policy to increase your Aging/LTC reserve. The post Our Retirement Planning Process and Philosophy Part 9: EDU #2433 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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SS Benefits, WEP, HSAs, MYGAs, and Retirement Planning: Q&A #2432 1:28:16

3M ago1:28:16

1:28:16

Jim and Chris sit down to discuss listener questions relating to Social Security benefits, WEP, HSAs, MYGAs, and their retirement planning process. (9:15) Chris begins the show by describing a current situation where he is trying to help someone with filing for Social Security and Medicare after spending most of their life going by a nickname that …

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Our Retirement Planning Process and Philosophy Part 8: EDU #2432 1:12:06

3M ago1:12:06

1:12:06

Jim and Chris continue their discussion of “seesaw assets” and balancing fun spending during the “go-go” years while keeping some reserves for aging expenses later in life. The post Our Retirement Planning Process and Philosophy Part 8: EDU #2432 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Social Security, Annuities, and Inherited Roth IRAs: Q&A #2431 1:39:11

3M ago1:39:11

1:39:11

Jim and Chris sit down to discuss listener questions relating to Social Security, annuities, and inherited Roth IRAs. (5:30) George asks about how he can determine the best time for his wife to claim her Social Security benefit. (16:45) George wonders how his mother-in-law can get the Social Security Administration to use the monthly earnings test …

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Our Retirement Planning Process and Philosophy Part 7: EDU #2431 1:16:05

4M ago1:16:05

1:16:05

Jim and Chris pick up where they left off discussing their retirement planning philosophy with fun money and the seesaw analogy. In this episode the guys talk about how and why Jim changed his positioning strategy to better adapt to their retirement spending philosophy. The post Our Retirement Planning Process and Philosophy Part 7: EDU #2431 appea…

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Social Security, Child-In-Care Benefits, Roth IRAs, Buffered Products, and Inherited IRAs: Q&A #2430 1:28:44

4M ago1:28:44

1:28:44

Jim and Chris discuss listeners questions relating to Social Security, Roth IRAs, buffered products, and inherited IRAs. (13:45) A listener looks for clarification on claiming a “child-in-care” Social Security benefit. (25:00) A listener asks what happens to a spouse’s child-in-care benefit if the person passes away. (28:30) A listener wonders abou…

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In-Depth Principal Protected Structured ETFs: EDU #2430 1:37:57

4M ago1:37:57

1:37:57

Jim and Chris welcome special guest Matt Kaufman from Calamos Investments. Together they take an in-depth look at the development, brief history (including structured notes, fixed indexed annuities, and new exchange traded funds), function, and options trades in the background of Principal Protected Structured ETFs. The post In-Depth Principal Prot…

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Delayed Retirement Credits, Pensions, HSAs and Annuities: Q&A #2429 1:32:52

4M ago1:32:52

1:32:52

Jim and Chris sit down to discuss listeners questions relating to Social Security delayed benefits, rolling a pension excess to an IRA, HSAs, and when to turn on an annuity’s living benefit. (15:00) A listener wonders if Chris can clear up why his Social Security delayed benefits calculations don’t match the what the SSA website shows. (28:30) Geor…

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Estate Planning 101: EDU #2429 1:26:32

4M ago1:26:32

1:26:32

Jim and Chris welcome Estate Planning Attorney, Shelly Thompson to discuss the basics of estate planning. The post Estate Planning 101: EDU #2429 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Tax Questions Answered: Q&A #2428 1:10:37

4M ago1:10:37

1:10:37

In this episode Chris and guest Paul Neiffer, CPA will tackle listener tax questions. (3:45) A listener’s conversation with their sister has them wondering what strategies are recommended for the last high-earning year before retirement. (19:00) George plans to sell his rental property and is trying to understand what tax forms he needs as well as …

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Our Retirement Philosophy/Approach In 10 Minutes Or Less: EDU #2428 1:24:09

4M ago1:24:09

1:24:09

Jim and Chris discuss listener submissions with advice on how we can describe our retirement planning approach in 10 minutes or less. The post Our Retirement Philosophy/Approach In 10 Minutes Or Less: EDU #2428 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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COLA Calculations, WEP, Annuitizing, Roth Pro Rata Rule, and Inherited Roth IRAs: Q&A #2427 1:21:28

4M ago1:21:28

1:21:28

Jim and Chris sit down to discuss listener questions relating to COLA, WEP, the Roth Conversion Pro Rata Rule, and Inherited Roth IRAs. (15:30) In part 1 of George’s 3 email questions Chris goes into how to properly apply COLA to your Social Security calculations. (24:00) Chris talks about determining whether you are subject to WEP to answer part 2…

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Is There a Simpler Approach to Retirement Planning?: EDU #2427 58:02

4M ago58:02

58:02

Jim and Chris say goodbye to their Annuity Awareness Month and pick up where they left off discussing their process. In this episode they respond to an email from a listener who feels they might be overcomplicating it. The guys discuss his simplified retirement planning approach and how people’s spending strategy may change throughout the course of…

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Social Security, Roth Withdrawals, and IRAs: Q&A #2426 1:28:10

5M ago1:28:10

1:28:10

Jim and Chris sit down to discuss listeners questions relating to Social Security, Roth withdrawals, and IRAs. (13:00) Georgette has been getting mixed messages about her survivor and spousal benefit options. (26:30) A couple reevaluates when to begin taking Social Security. (42:00) A listener looks for clarification on Roth Conversion rules. (58:3…

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Covering MDF With Lifetime Secure Income: EDU #2426 1:18:43

5M ago1:18:43

1:18:43

Jim and Chris wind down national annuity awareness month by discussing covering MDF with lifetime secure income via an annuity. The post Covering MDF With Lifetime Secure Income: EDU #2426 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Social Security, IRMAA, Roth Conversions, and IRAs: Q&A #2425 1:11:43

5M ago1:11:43

1:11:43

Jim and Chris sit down to discuss listeners questions relating to Social Security, IRMAA, Roth conversions, and IRAs. (3:45) A listener asks if her pension benefit will reduce her spouse’s Social Security benefit. (14:30) A listener wonders if there’s anything they need to be aware of when considering IRMAA and Roth conversions. (24:00) George asks…

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Insurance Companies and Annuities: EDU #2425 1:14:08

5M ago1:14:08

1:14:08

Jim and Chris sit down to continue their annuity discussion focusing on the insurance companies that sell annuities. Click here for article #1. Click here for article #2. The post Insurance Companies and Annuities: EDU #2425 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Social Security, 529 Conversions, FIAs, and RMDs: Q&A #2424 1:24:08

5M ago1:24:08

1:24:08

Jim and Chris sit down to discuss listener questions relating to Social Security, 529 Roth conversions, and fixed index annuities (FIAs). (4:45) A listener wonders if his children’s Social Security benefits will be reduced by him working longer. (15:45) A listener looks for clarification on calculating spousal Social Security benefits and what happ…

1
Income Benefits Of Non-Annuitized Annuities: EDU #2424

5M ago

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Jim and Chris continue their discussion from last weeks QA show regarding the income benefits of a non annuitized annuity. The post Income Benefits Of Non-Annuitized Annuities: EDU #2424 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

1
Rollover Issues and Income Annuities: Q&A #2423

5M ago

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Jim and Chris take a deep dive on a listener question relating to a problem with a rollover and provide their thoughts on purchasing a Deferred Income Annuity (DIA). The post Rollover Issues and Income Annuities: Q&A #2423 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Kicking Off Annuity Awareness Month: EDU #2423

5M ago

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Jim and Chris kick off annuity awareness month in 2024 by chatting about annuities, where they fit into retirement and retirement planning. The post Kicking Off Annuity Awareness Month: EDU #2423 appeared first on The Retirement and IRA Show.Av Jim Saulnier, CFP® & Chris Stein, CFP®

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Annuities, Pensions, and Social Security: Q&A #2422

6M ago

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June kicks off annuity awareness month! Jim and Chris sit down to discuss and take a deep dive on listener questions relating to annuities. (21:30) A fellow advisor and listener looks for clarification on a clients Social Security benefit statement. (49:00) George wonders, if more people think of annuities like pensions, would they be a more popula…

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Our Retirement Planning Process and Philosophy Part 6: EDU #2422

6M ago

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Jim and Chris continue their walk through of our philosophy and approach to retirement planning while sharing details on elements like the Minimum Dignity Floor, Secure Income, See-Through Portfolios, Asset Positioning and the ever-popular Fun Number. The post Our Retirement Planning Process and Philosophy Part 6: EDU #2422 appeared first on The Re…

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Social Security, WEP, Lifecycle Funds, and Retirement Planning: Q&A #2421

6M ago

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Jim and Chris sit down to discuss listener questions relating to Social Security, WEP, Lifecycle funds, and retirement planning. (8:30) A listener looks for clarification on when WEP will be applied to his Social Security benefit. (25:30) A listener looks for thoughts on his Social Security claiming strategy. (35:30) The same listener as above asks…

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