The Retirement and IRA Show

Social Security, Special Needs Trust: Q&A #2646

Jim and Chris discuss listener emails on Social Security child-in-care and spousal benefits, drawing from an inherited IRA to delay Social Security, and Roth conversions

Little-Known IRA Rules, Part 2: EDU #2645

If you would prefer to skip Jim and Chris chatting about Chris’s mild fall weather in Colorado, Jim’s Nashville trip, and upcoming Cumberland Gap hike and whitetail hunti

Social Security, HSA Contributions, Liquidity Account, ETFs: Q&A #2645

Chris is joined by Jacob to discuss listener emails on withdrawing an early Social Security claim to collect survivor benefits, how Medicare Part A back-dating can affect

Seven Unfixable IRA Mistakes: EDU #2644

If you would prefer to skip Jim and Chris chatting about Jim’s end-of-season garden update and what home-grown produce he’s going to try to get through TSA (and why), you

HSA PSA, Survivor Benefits, Roth Conversions, Inherited IRAs: Q&A #2644

Jim and Chris discuss listener emails, starting with a listener PSA on HSA contributions and Medicare Part A, then cover Social Security survivor benefits, a Roth convers

Ready to Retire?: EDU #2643

Chris’s Summary Jim and I use two listener emails in this EDU dialog episode to consider whether each couple may be ready to retire. The first couple weighs relocating f

IRMAA, Medicare, Spousal RMD, HSAs, Life Insurance: Q&A# 2643

Jim and Chris discuss listener emails on choosing a life-changing event for an IRMAA reduction request, declining Medicare Part A to keep making HSA contributions, the hy

Little-Known IRA Rules, Part 1: EDU #2642

If you would prefer to skip Jim and Chris’s banter about Jim’s garden greens and his trip to Nashville, Indiana you can skip to (12:00). Chris’s Summary Jim and I discu

COBRA, Social Security, Pension Deferral, Annuities: Q&A #2642

Jim and Chris are joined by Tom Stivers for a couple questions on COBRA coverage for a younger spouse and Social Security survivor benefits and the RIB-LIM rule. Jim and

Stretch IRA Eligibility: EDU #2641

If you would prefer to skip Jim and Chris chatting about fall weather in Colorado and Ohio, Jim’s upcoming trip to Nashville, and country music, you can skip to (11:30).

Social Security, Milestone Ages, HSAs, Roth Withdrawals, Annuity Providers: Q&A #2641

Jim and Chris discuss listener emails on Social Security first check timing at age 70 and child-in-care spousal benefits, additional milestone ages and HSA contribution P

Single Life Pension Tradeoffs: EDU #2640

Chris’s Summary:  With Jim traveling, I’m joined by the newest member of the Jim Saulnier & Associates team, Tom Stivers, to review an email from a listener couple who b

HSA Catch-up PSA, Social Security, IRMAA, Roth Conversion, Annuity Timing: QA #2640

Jim and Chris discuss listener emails, beginning with a listener PSA on HSA catch-up contributions at age 55, then cover Social Security spousal benefits when claiming be

Retirement Milestone Ages: EDU #2639

If you would prefer not to learn about Jim’s upcoming drive to Ohio and the family change of plans also sending him to Massachusetts, you can skip to (10:00). Chris’s Su

Social Security, IRMAA, Annuity Purchase, MDF Calculations: Q&A #2639

Jim and Chris discuss listener emails on the best month to claim Social Security, IRMAA strategy for married couples, Social Security ex-spouse benefits, inflation and an

Longevity Risk Beyond Money: EDU # 2638

Chris’s Summary Jim and I use a Life Annuity Specialist article on pension risk transfer mortality models to examine longevity risk for individual retirees. These models

Social Security, TIPS Ladder, Investment Positioning, Buffered ETFs: Q&A #2638

Chris and Jacob discuss listener emails on Social Security survivor benefits, a TIPS ladder paired with a QLAC, investment positioning across taxable, tax deferred, and t

Power of Attorney Mistakes: EDU #2637

Chris’s Summary Jim and I discuss five common power of attorney mistakes flagged in an estate planning attorney’s article, along with points from Peter Scott. We cover n

Heart Screening, Healthy Aging in Retirement: Q&A #2637

Jim and Chris are again joined by Dr. Phillip Snider. They discuss listener emails on coronary artery calcium scoring, followed by a broader conversation on healthy aging

Review of a DIY Retirement Plan: EDU #2636

Chris’s Summary Jim and I continue our Fun Number series with a listener email laying out a DIY retirement plan built account by account, each with an assigned purpose.