The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

What do you get when you combine two knowledgeable CFP® PROFESSIONALS (one also a well-informed COLLEGE FINANCE INSTRUCTOR)? If you mix in relevant financial information and a healthy dose of humor you get the Retirement and IRA Radio Show! JIM SAULNIER, a CERTIFIED FINANCIAL PLANNER™ Professional with Jim Saulnier and Associates who specializes in retirement planning for clients across the country, CHRIS STEIN, a Finance Instructor at Colorado State University who is also a CERTIFIED FINANCIAL PLANNER™ Professional, offer real-world knowledge on a diverse range of topics including Social Security planning, investing for your retirement, the fundamentals of 401(k) and IRA accounts. Jim and Chris make learning about your retirement both educational and entertaining! read less

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Retirement In The U.S. With Less Than $1 Million Dollars: EDU #2313

Retirement In The U.S. With Less Than $1 Million Dollars: EDU #2313

Jim and Chris sit down to discuss and analyze a recent article surrounding what retirement with less than $1 million dollars in the United States looks like. The post Retirement In The U.S. With Less Than $1 Million Dollars: EDU #2313 appeared first on The Retirement and IRA Show.

Retirement In The U.S. With Less Than $1 Million Dollars: EDU #2313

Retirement In The U.S. With Less Than $1 Million Dollars: EDU #2313

Jim and Chris sit down to discuss and analyze a recent article surrounding what retirement with less than $1 million dollars in the United States looks like. The post Retirement In The U.S. With Less Than $1 Million Dollars: EDU #2313 appeared first on The Retirement and IRA Show.

Social Security, Inherited IRAs, and The SIPC: Q&A #2312

Social Security, Inherited IRAs, and The SIPC: Q&A #2312

Jim and Chris discuss questions relating to Social Security, Inherited IRAs, and the Securities Investor Protection Corporation (SIPC). (13:30) A listener in Georgia asks a couple of questions pertaining to his sister’s ability to claim a Social Security benefit. (28:00) The same listener from above looks for clarification on the rules relating to his sisters […] The post Social Security, Inherited IRAs, and The SIPC: Q&A #2312 appeared first on The Retirement and IRA Show.

Retirement and IRA Questions From Ed Slott Part 3: EDU #2312

Retirement and IRA Questions From Ed Slott Part 3: EDU #2312

Jim and Chris sit down to continue their discussion on several different questions posed by the Ed Slott group exam. The post Retirement and IRA Questions From Ed Slott Part 3: EDU #2312 appeared first on The Retirement and IRA Show.

Social Security, Ed Slott, Roth 401(k)’s, and Buffered Investments: Q&A #2311

Social Security, Ed Slott, Roth 401(k)’s, and Buffered Investments: Q&A #2311

Jim and Chris sit down to discuss listener’s questions relating to Social Security, Ed Slott, Roth 401(k)’s, and buffered investments. (8:15) George from California looks for clarification on the affects/timing of Social Security inflationary credits for his wife. (14:30) A listener asks a quick question about if she can claim a spousal Social Security benefit […] The post Social Security, Ed Slott, Roth 401(k)’s, and Buffered Investments: Q&A #2311 appeared first on The Retirement and IRA Show.

Retirement and IRA Questions From Ed Slott Continued: EDU #2311

Retirement and IRA Questions From Ed Slott Continued: EDU #2311

Jim and Chris sit down to continue their discussion on several different questions posed by the Ed Slott group exam. The post Retirement and IRA Questions From Ed Slott Continued: EDU #2311 appeared first on The Retirement and IRA Show.

Social Security Survivor Benefits, Roth Conversions, Taxes, Rollovers, and Inherited 401(k)’s: Q&A #2310

Social Security Survivor Benefits, Roth Conversions, Taxes, Rollovers, and Inherited 401(k)’s: Q&A #2310

Jim and Chris sit discuss questions relating to Social Security survivor benefits, Roth conversions, taxes, rollovers, and inherited 401(k)’s. (10:15) A listener asks about Social Security survivor benefits and the ability to turn survivor benefits back on after giving them up previously. (17:15) A listener from New York asks if claiming a spousal benefit before […] The post Social Security Survivor Benefits, Roth Conversions, Taxes, Rollovers, and Inherited 401(k)’s: Q&A #2310 appeared first on The Retirement and IRA Show.

Retirement and IRA Questions From Ed Slott: EDU #2310

Retirement and IRA Questions From Ed Slott: EDU #2310

Jim and Chris sit down to discuss a couple of questions relating to retirement and IRAs supplied by the Ed Slott group. The post Retirement and IRA Questions From Ed Slott: EDU #2310 appeared first on The Retirement and IRA Show.

Social Security, Spousal Benefits, Aging Reserve, and Fun Expenses: Q&A #2309

Social Security, Spousal Benefits, Aging Reserve, and Fun Expenses: Q&A #2309

Jim and Chris sit down to discuss questions relating to Social Security, spousal benefits, aging reserve, and fun expenses. (9:15) A Californian listener asks about his Social Security claiming strategy for spousal and survivor benefits. (20:45) A listener in Georgia looks for clarification on spousal Social Security benefits following a divorce. (35:00) Georgette from South […] The post Social Security, Spousal Benefits, Aging Reserve, and Fun Expenses: Q&A #2309 appeared first on The Retirement and IRA Show.

Inflationary Effects on Social Security: EDU #2309

Inflationary Effects on Social Security: EDU #2309

Chris sits down to discuss the effects that the recent spike in inflation had on Social Security benefits. The post Inflationary Effects on Social Security: EDU #2309 appeared first on The Retirement and IRA Show.

Social Security, Basis In 401(k)’s/IRAs, and Minimum Dignity Floor (MDF): Q&A #2308

Social Security, Basis In 401(k)’s/IRAs, and Minimum Dignity Floor (MDF): Q&A #2308

Jim and Chris sit down to discuss listeners questions relating to Social Security, basis in 401(k)’s/IRAs, and the Minimum Dignity Floor (MDF). (6:15) A listener from Virginia asks for clarification on the timing of filing their Social Security paperwork to receive a spousal benefit. (18:30) A listener from Minnesota wonders if the IRA keeps track […] The post Social Security, Basis In 401(k)’s/IRAs, and Minimum Dignity Floor (MDF): Q&A #2308 appeared first on The Retirement and IRA Show.

Altering The Fun Number In A Small Portfolio: EDU #2308

Altering The Fun Number In A Small Portfolio: EDU #2308

Jim and Chris sit down to discuss the approach to the fun number concept and how it can be altered/used in a much smaller portfolio. The post Altering The Fun Number In A Small Portfolio: EDU #2308 appeared first on The Retirement and IRA Show.

Social Security, WEP, The Fun Number, and Positioning: Q&A #2307

Social Security, WEP, The Fun Number, and Positioning: Q&A #2307

Jim and Chris sit down to discuss listeners questions relating to Social Security, WEP, the fun number, and positioning. (6:30) An Indiana listener looks for clarification on a Social Security survivor benefit and the affects of WEP. (12:30) George from Maryland asks for clarity on his Social Security benefit. (23:00) A listener wonders how to […] The post Social Security, WEP, The Fun Number, and Positioning: Q&A #2307 appeared first on The Retirement and IRA Show.

Social Security, The Fun Number, and Secure Income: Q&A #2306

Social Security, The Fun Number, and Secure Income: Q&A #2306

Jim and Chris sit down to discuss listeners questions relating to Social Security, the fun number, and secure income. (11:00) A listener asks if any Social Security earnings and taxes paid at age 62 onward will impact their future Social Security benefit calculation. (20:00) A Wisconsin listener looks for clarification on her estimated Social Security […] The post Social Security, The Fun Number, and Secure Income: Q&A #2306 appeared first on The Retirement and IRA Show.

Fun Number Follow Up: EDU #2306

Fun Number Follow Up: EDU #2306

Jim and Chris sit down to discuss and follow-up on a few remaining items surrounding the concept of the Fun Number. The post Fun Number Follow Up: EDU #2306 appeared first on The Retirement and IRA Show.

Social Security, Roth Conversions, and Retirement Spending: Q&A #2305

Social Security, Roth Conversions, and Retirement Spending: Q&A #2305

Jim and Chris sit down to discuss listener questions relating to Social Security, Roth conversions, and retirement spending. (13:00) Georgette from New York looks for clarification on her Social Security claiming strategy and if her spousal benefit will be reduced. (19:00) George asks for additional information on disabled children being able to inherit Social Security […] The post Social Security, Roth Conversions, and Retirement Spending: Q&A #2305 appeared first on The Retirement and IRA Show.

The Fun Number Part 4: EDU #2305

The Fun Number Part 4: EDU #2305

Jim and Chris wrap up their discussion of the Fun Number and what to do once you’ve arrived at your Fun Number. The post The Fun Number Part 4: EDU #2305 appeared first on The Retirement and IRA Show.

Social Security, Pensions, 457(b)’s, and Backdoor Roth Contributions: Q&A #2304

Social Security, Pensions, 457(b)’s, and Backdoor Roth Contributions: Q&A #2304

Jim and Chris sit down to discuss listener questions relating to Social Security, pensions, 457b’s, and backdoor Roth contributions. (11:00) A Texan listener asks if his wives spousal Social Security benefit will be based off half of his original PIA or his PIA adjusted for cost-of-living. (16:30) A listener in Ohio looks for clarification on […] The post Social Security, Pensions, 457(b)’s, and Backdoor Roth Contributions: Q&A #2304 appeared first on The Retirement and IRA Show.

The Fun Number Part 3: EDU #2304

The Fun Number Part 3: EDU #2304

Jim and Chris continue their discussion on the concept of the Fun Number and explain HOW they arrive at determining the Fun Number. The post The Fun Number Part 3: EDU #2304 appeared first on The Retirement and IRA Show.

Social Security, Target Date Funds, IRMAA, 457(b)’s, Dividends, and HSAs: Q&A #2303

Social Security, Target Date Funds, IRMAA, 457(b)’s, Dividends, and HSAs: Q&A #2303

Jim and Chris discuss questions relating to Social Security, target date funds, IRMAA, 457(b)’s, dividends, and HSAs. (6:30) George in the UK looks for clarification on the calculation of his Social Security PIA given his work abroad in Europe and in Canada. (18:30) George asks about a Social Security survivor benefit for his wife if […] The post Social Security, Target Date Funds, IRMAA, 457(b)’s, Dividends, and HSAs: Q&A #2303 appeared first on The Retirement and IRA Show.

The Fun Number Part 2: EDU #2303

The Fun Number Part 2: EDU #2303

Jim and Chris continue their discussion on the concept of the Fun Number to explain the rational behind the concept. The post The Fun Number Part 2: EDU #2303 appeared first on The Retirement and IRA Show.