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The Retirement and IRA Show

The Retirement and IRA Show

著者： Jim Saulnier CFP® & Chris Stein CFP®
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 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! 個人ファイナンス 経済学
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  • IRMAA Brackets and QLACs: Q&A #2548

    IRMAA Brackets and QLACs: Q&A #2548
    2025/11/29

    Jim and Chris discuss listener questions on IRMAA brackets and several QLAC topics including RMD interaction, suitability, payout values, and purchase timing.

    (19:30) A listener wonders if their lower 2024 income will automatically reduce their 2026 IRMAA even though it doesn’t qualify for an SS-44, or if they must contact the SSA.
    (25:15) George asks whether going above certain income thresholds in 2025 could keep IRMAA lower in 2027 because of inflation adjustments.
    (34:30) The guys weigh whether QLAC income, once it begins, can offset RMDs on other IRA holdings.
    (54:00) Georgette wants to know who is a good candidate for a QLAC, how it is purchased, and which features to consider.
    (1:05:00) A listener seeks guidance on determining early- and late-start payout values for a QLAC and whether those values are fixed or variable.
    (1:10:15) Jim and Chris consider whether buying a QLAC earlier leads to higher payments at the same deferral age and what factors affect purchase timing.

    The post IRMAA Brackets and QLACs: Q&A #2548 appeared first on The Retirement and IRA Show.
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    1 時間 20 分
  • QLAC Use Cases and Planning: EDU #2548

    QLAC Use Cases and Planning: EDU #2548
    2025/11/26

    Chris’s SummaryJim and I discuss QLAC use cases in the context of retirement income planning and how the Treasury Department designed these annuities to function. We walk through when someone might consider using one, how the absence of cash value affects planning decisions, differences among providers on turning income on early, the impact of mortality […]

    The post QLAC Use Cases and Planning: EDU #2548 appeared first on The Retirement and IRA Show.
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    1 時間 13 分
  • Social Security, IRMAA, ETFs, Private Investments: Q&A #2547

    Social Security, IRMAA, ETFs, Private Investments: Q&A #2547
    2025/11/22

    Jim and Chris discuss listener questions on Social Security spousal benefits, IRMAA’s classification, concerns about buffer-style funds, the growing push toward private investments, and moving from mutual funds to ETFs. (22:30) A listener presents a hypothetical asking whether the repeal of WEP/GPO could allow Georgette to receive a spousal benefit based on her ex-husband’s Federal […]

    The post Social Security, IRMAA, ETFs, Private Investments: Q&A #2547 appeared first on The Retirement and IRA Show.
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    1 時間 24 分
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