Monthly Pension or Lump-sum Payment?

December 9, 2017

Jim, Chris and Justin answer an email from a listener in Maine on whether the listener’s wife should take the monthly payment option or a lump sum payout from her pension plan. Another listener (state unknown) wondered why his IRA account was now identified by his brokerage firm as a “grandfathered” account. Jim and Chris also include a rebroadcast of the December 9th Colorado Retirement and IRA Show where they answered two questions. What is a good investment mix for a recent college graduate saving in a 401(k)? And how do you take money our of a Roth IRA to pay for college expenses?

Podcast: Play in new window | Download (Duration: 1:53:09 — 51.8MB)

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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.