IRMAA, SSA-44, and Social Security Spousal/Survivor Benefits: Q&A #2345

November 11, 2023

IRMAA, SSA-44, and Social Security Spousal/Survivor Benefits: Q&A #2345

Chris sits down on a solo show to discuss listeners questions relating to IRMAA, SSA-44, and Social Security spousal/survivor benefits. (3:30) A Californian listener asks about the timing of when IRMAA will start relative to applying for Medicare. (10:11) A listener from Indiana looks for clarification on the need for an SSA-44 form for a client who was recently let go from employment. (20:30)...

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Safe Withdrawal Rate Vs. Income Annuity: EDU #2345

November 8, 2023

Safe Withdrawal Rate Vs. Income Annuity: EDU #2345

Jim and Chris discuss a listeners email comparing a 4% safe withdrawal rate to purchasing an income annuity for covering his minimum dignity floor (MDF). https://media.blubrry.com/the_retirement_and_ira_show/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y23E45.mp3 Podcast: Play in new window | Download (Duration: 1:15:35 — 34.6MB) Subscribe:...

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Social Security, IRMAA, Annuities, and Roth Conversions: Q&A #2344

November 4, 2023

Social Security, IRMAA, Annuities, and Roth Conversions: Q&A #2344

Jim and Chris discuss listeners questions relating to Social Security, IRMAA, annuities, and Roth conversions. (4:30) George from North Carolina looks for clarification on a spouses ability to claim a spousal and survivor Social Security benefit. (22:45) George asks if IRMAA premiums apply if Medicare has been suspended. (28:15) George in Ohio looks for help in determining which type of annuity...

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Special Tax Treatment Accounts: EDU #2344

November 1, 2023

Special Tax Treatment Accounts: EDU #2344

Jim and Chris sit down to discuss and consider some special tax treatment accounts from an Ed Slott newsletter. https://media.blubrry.com/the_retirement_and_ira_show/s3.amazonaws.com/TheRetirementandIRAShow/RAIRA-Show-EDU-Y23E44.mp3 Podcast: Play in new window | Download (Duration: 1:02:51 — 28.8MB) Subscribe:...

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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.