The Retirement and IRA Show
Channel Details
The Retirement and IRA Show
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 w...
Recent Episodes
136 episodes
IRMAA, Social Security, QLACs, Roth Conversions: Q&A #2550
Jim and Chris discuss listener emails starting with PSAs about IRMAA and Social Security spousal benefit applications, then questions on IRMAA, QLAC-r...
The Importance of Secure Income for Retirement: EDU #2550
Chris’s Summary
Jim and I discuss secure income as we review a Yahoo Finance article for middle-class retirees. We use it to highlight longevity...
Social Security, IRMAA, Medicare, Roth Contribution Rules, Roth Conversions: Q&A #2549
Jim and Chris discuss listener questions on Social Security family maximum and suspending benefits, a listener PSA on IRMAA premiums, a listener PSA o...
The QLAC 1098-Q: EDU #2549
Chris’s Summary
Jim and I review the QLAC 1098-Q and walk through how this form reports premiums, fair market value, and contract status. We com...
IRMAA Brackets and QLACs: Q&A #2548
Jim and Chris discuss listener questions on IRMAA brackets and several QLAC topics including RMD interaction, suitability, payout values, and purchase...
QLAC Use Cases and Planning: EDU #2548
Chris’s Summary
Jim and I discuss QLAC use cases in the context of retirement income planning and how the Treasury Department designed these ann...
Social Security, IRMAA, ETFs, Private Investments: Q&A #2547
Jim and Chris discuss listener questions on Social Security spousal benefits, IRMAA’s classification, concerns about buffer-style funds, the growing p...
QLAC Rules and Uses: EDU #2547
If you would prefer to miss Jim’s update on his broken-down truck and recent travels you can skip ahead to (12:45).
Chris’s Summary
Jim an...
Social Security,Estate Planning PSA, Annuity Payments: Q&A #2546
Jim and Chris discuss listener questions on Social Security claiming timing with a listener PSA on application details, Social Security earnings rules...
2026 Social Security Changes: EDU #2546
Chris’s Summary
With Jim away this week, I review the 2026 Social Security changes from the recently released SSA Fact Sheet covering the 2.8% C...
Social Security and Roth Conversion Strategies: Q&A #2545
With Jim is away at a conference, Chris is joined by Jake to discuss listener questions on Social Security survivor benefits, and Roth conversion stra...
Retirement Preparedness and Planning Lessons: EDU #2545
Chris’s Summary
Jim and I explore retirement preparedness through a listener’s experience navigating a sudden medical diagnosis, relocation for...
Social Security, IRMAA Taxation, 529 Rollover, Deferred Annuities: Q&A #2544
Jim and Chris discuss listener questions on Social Security COLA timing, spousal claiming strategy, IRMAA tax treatment, Roth IRA rollovers from 529 p...
Social Security Claiming Strategies, Part 2: EDU #2544
If you would like to skip Jim and Chris discussing Jim’s travel plans and the guys’ frustration with low-cost airline pricing, you can skip ahead to (...
HSA Contributions, Social Security, Fee Disclosures, TSPs: Q&A #2543
Jim and Chris discuss listener questions on how Medicare enrollment affects HSA contributions, Social Security survivor benefits and IRMAA adjustments...
Social Security Claiming Strategies: EDU #2543
Chris’s Summary
Jim and I examine a recent Social Security claiming strategies debate prompted by articles from Derek Tharp and Laurence...
Spousal Roth, Backdoor Roth, Social Security, Post-Tax Contributions, HSA Strategy: Q&A #2542
Jim and Chris discuss listener questions on spousal Roth IRA eligibility, backdoor Roth contributions using a solo 401k, Social Security timing, post-...
IRA Rollover Mistakes and Exceptions: EDU #2542
To skip over Jim and Chris chatting about the government shutdown delaying Social Security and Medicare announcements, and Jim’s upcoming travel plans...
Social Security, HSA Held Annuities, IRA Annuities: Q&A #2541
Jim and Chris discuss a listener PSA on estimating early retirement benefits, followed by questions on Social Security benefit calculations and reduct...
Military Retirement Planning: EDU #2541
Chris’s Summary:
Jim and I are joined by Rear Admiral Brian Luther to discuss veterans benefits and military retirement planning. We explore how...
Social Security, Roth Conversions, RMD Calculations: Q&A #2540
Jim and Chris discuss listener questions on Social Security spousal benefits, a listener PSA on IRMAA repayment silence, IRMAA reduction eligibility a...
Delay Period Strategy: EDU #2540
Chris’s Summary
Jim and I return for an EDU dialogue episode focused on a listener’s delay period strategy. His plan includes laddered CDs, equi...
Social Security, 60-Day Rollover, Inherited IRA, and Deferred Income Annuity: Q&A #2539
Jim and Chris discuss listener questions on Social Security disability, dependent benefits for an adult child, a 60-day rollover nuance, inherited IRA...
Tax Planning Strategies: EDU #2539
This week, with Jim away at a conference, Chris is joined by Jake for an EDU episode that takes the shape of a Q&A, focusing on tax planning strategie...
IRMAA, Widow Status, Roth Conversions, Annuity RMDs, and Rollovers: Q&A #2538
Jim and Chris discuss listener questions on IRMAA reductions and Roth-conversion effects, widow filing status and IRMAA, in-kind stock Roth conversion...
Discussing An Article On Retirement Planning: EDU #2538
If you would like to skip over Chris and Jim chatting about a recent Colorado hail storm and Jim’s garden while he’s in Ohio, please skip to the 7:45...
Social Security, Account Consolidation, and MYGA Selection: Q&A #2537
Jim and Chris discuss a listener PSA on WEP treatment for foreign pensions, followed by questions on Social Security strategies, benefit calculators,...
Planning for Taxes in Retirement: EDU #2537
If you would like to skip over Chris and Jake chatting about Jake’s recent trip to Ireland you can go to 7:00.
Chris’s Summary
I am joined...
Social Security, HSA Reimbursements, and MYGAs: Q&A #2536
Jim and Chris discuss listener questions on surviving spouse Social Security benefits and Roth conversions, SSDI and pensions, the Social Security Fai...
Behavioral Finance in Retirement Planning: EDU #2536
Chris’s Summary
Jim and I look at behavioral finance in retirement planning, noting that spending from secure income feels safer while drawing f...
Social Security, Risk Philosophy, Fraternal Benefit Societies, Roth Conversions: Q&A #2535
Jim and Chris discuss listener questions on Social Security timing rules, retroactive benefits for an ex-spouse, investment strategy philosophy, frate...
Roth Catch Ups and the 60-Day Rollover Rule: EDU #2535
If you are not in the mood for Jim and Chris’s delightful banter, you can skip ahead to (5:45).
It should be noted that of all the episod...
Social Security, PSA, Annuities, RMD Rules: Q&A #2534
Jim and Chris discuss listener questions on Social Security retroactive payments and delayed retirement credit timing, share a listener PSA on horse s...
Catch Up Contributions: EDU #2534
Jim and I review catch up contributions across IRAs and workplace plans using questions from the Ed Slott training quiz. We clarify the $1,000 IRA cat...
Social Security, Inherited Roth, and IRMAA: Q&A #2533
Jim and Chris discuss listener questions on Social Security spousal benefits, filing logistics and spousal eligibility with a disabled child, an inher...
Funding Discretionary Spending: EDU #2533
Chris’s Summary
Jim and I continue discussing funding discretionary spending in Robert Merton’s three bucket retirement income framework from la...
Social Security, Roth Conversions, Annuities, and Rule of 55: Q&A #2532
Jim and Chris discuss listener questions on Social Security timing strategies, Roth conversions in an RMD year, annuity return calculations, account s...
Retirement Income Versus Savings: EDU #2532
Chris’s Summary
Jim and I review a recent article featuring Robert Merton’s views on retirement income versus savings, using it as a springboard...
Ohio, Medicare, Social Security, Roth 401k, and Annuities: Q&A #2531
Jim and Chris discuss Jim’s relocation experience to Ohio, a listener PSA on Medicare, questions about Social Security payment timing and divorce elig...
Buffered ETFs vs Stocks and Cash: EDU #2531
Chris’s Summary
Jim and I are joined by Matt Kaufman, Senior Vice President and Head of ETFs at Calamos Investments, to discuss buffered ETFs vs...