Player FM - Internet Radio Done Right
134 subscribers
Checked 1d ago
เพิ่มแล้วเมื่อ sevenปีที่ผ่านมา
เนื้อหาจัดทำโดย Jim Saulnier, CFP® & Chris Stein, CFP®, Jim Saulnier, and Chris Stein เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Jim Saulnier, CFP® & Chris Stein, CFP®, Jim Saulnier, and Chris Stein หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
Player FM - แอป Podcast
ออฟไลน์ด้วยแอป Player FM !
ออฟไลน์ด้วยแอป Player FM !
พอดคาสต์ที่ควรค่าแก่การฟัง
สปอนเซอร์
K
Know What You See with Brian Lowery


National Geographic photographer and conservationist Jaime Rojo has spent decades capturing the beauty and fragility of the monarch butterfly. Their epic migration is one of nature’s most breathtaking spectacles, but their survival is under threat. In this episode, Jaime shares how his passion for photography and conservation led him to document the monarchs’ journey. He and host Brian Lowery discuss the deeper story behind his award-winning images, one about resilience, connection, and the urgent need to protect our natural world. See Jaime's story on the monarch butterflies at his website: rojovisuals.com , and follow Brian Lowery at knowwhatyousee.com .…
Charitable Remainder Trusts Part 2: EDU #2504
Manage episode 462394721 series 2424283
เนื้อหาจัดทำโดย Jim Saulnier, CFP® & Chris Stein, CFP®, Jim Saulnier, and Chris Stein เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Jim Saulnier, CFP® & Chris Stein, CFP®, Jim Saulnier, and Chris Stein หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
Jim, Chris, and guest Paul Neiffer, CPA, continue their discussion on Charitable Remainder Trusts. They also answer listener questions related to CRTs, CRATs and CRUTs.
The post Charitable Remainder Trusts Part 2: EDU #2504 appeared first on The Retirement and IRA Show.
385 ตอน
Manage episode 462394721 series 2424283
เนื้อหาจัดทำโดย Jim Saulnier, CFP® & Chris Stein, CFP®, Jim Saulnier, and Chris Stein เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Jim Saulnier, CFP® & Chris Stein, CFP®, Jim Saulnier, and Chris Stein หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
Jim, Chris, and guest Paul Neiffer, CPA, continue their discussion on Charitable Remainder Trusts. They also answer listener questions related to CRTs, CRATs and CRUTs.
The post Charitable Remainder Trusts Part 2: EDU #2504 appeared first on The Retirement and IRA Show.
385 ตอน
ทุกตอน
×T
The Retirement and IRA Show


Chris flies solo for this long promised, very special, EDU episode where he describes our retirement planning philosophy and approach in just 30 minutes. The post Our Retirement Planning Philosophy and Approach, Condensed Version: EDU #2508 appeared first on The Retirement and IRA Show .
T
The Retirement and IRA Show


1 Social Security, IRMAA, IRA Distributions, Roth Contributions, Catch-up Contributions, and Inherited IRA RMDs: Q&A #2507 1:11:49
1:11:49
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:11:49
Jim and Chris discuss listener questions relating to Social Security benefits, IRMAA, IRA distributions, Roth contributions, catch-up contributions, and inherited IRA RMDs. (6:30) George asks how inflation adjustments apply when a reduced Social Security benefit converts to a spousal benefit. (13:45) The guys address whether the end of non-qualified deferred compensation qualifies as a life-changing event for IRMAA purposes. (22:00) Jim and Chris discuss whether taking IRA distributions in a lump sum or spreading them out over time is the better approach for someone retiring at 63. (35:45) A listener explores the idea of making an intentional excess Roth contribution then reevaluating their options before the extended tax filing deadline. (54:45) The guys clarify the defined contribution limit and how catch-up contributions affect the total amount allowed. (58:00) Jim and Chris answer whether RMDs on a recently inherited IRA must begin in 2025 or if the clock starts in 2026. The post Social Security, IRMAA, IRA Distributions, Roth Contributions, Catch-up Contributions, and Inherited IRA RMDs: Q&A #2507 appeared first on The Retirement and IRA Show .…
T
The Retirement and IRA Show


1 A Smart Approach to Retirement: EDU #2507 1:13:19
1:13:19
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:13:19
In this EDU episode Jim and Chris review and discuss an article sent in by a listener after their critique of the safe withdrawal rate approach to retirement. Some of the points made in the article should sound familiar to listeners… Nobel laureates William F. Sharpe and Robert C. Merton argue that traditional retirement withdrawal strategies, like the 4% rule, fail to adequately balance investment risk with income certainty. The laureates highlight the inefficiencies of relying on volatile investment portfolios to fund fixed expenses, proposing instead that retirees match investments to specific future expenditures through strategies like Sharpe’s “lock-box” method or Merton’s tiered income approach. Ultimately, they advocate for securing a base level of guaranteed income, embracing flexible spending, and recognizing that higher returns always come with higher risk. Show Notes: How do Nobel Laureates Approach Retirement ? The post A Smart Approach to Retirement: EDU #2507 appeared first on The Retirement and IRA Show .…
T
The Retirement and IRA Show


1 Survivor Benefits, Social Security Disability, and Donor Advised Funds: Q&A #2506 1:10:15
1:10:15
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:10:15
Jim and Chris discuss listener questions relating to Survivor Benefits, Social Security Disability Insurance, and Donor Advised Funds. Before diving into listener questions, Jim shares insights from his recent trip to an industry conference, where he investigated financial planning software options that might align with their Secure Retirement Income Process and Fun Number . The guys also discuss the challenges of retirement projections and why existing tools often fall short. (29:00) The guys address a question about whether someone can claim six months of retroactive Social Security benefits before switching to a survivor benefit if their spouse passes away. (42:30) A listener wonders if their mother-in-law may have permanently reduced her Social Security benefit after being advised to file while waiting for SSDI approval. (53:30) George asks if his children can establish their own Donor Advised Fund (DAF) to receive Qualified Charitable Donations (QCDs) from his IRA after his death, avoiding federal income tax. The post Survivor Benefits, Social Security Disability, and Donor Advised Funds: Q&A #2506 appeared first on The Retirement and IRA Show .…
While Jim is at a conference, Jake joins Chris to discuss a listener’s simplified retirement planning approach. They examine their straightforward strategy, focusing on key points like living within your means, how finances often simplify in the mid-70s after covering the Minimum Dignity Floor , and the impact of passing the delay period for larger withdrawals. They also consider potential risks, such as inflation and interest rates, in this type of allocation. The post A Discussion on Simplified Retirement Planning: EDU #2506 appeared first on The Retirement and IRA Show .…
T
The Retirement and IRA Show


1 Social Security, QLACs, and ETFs: Q&A #2505 1:29:07
1:29:07
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:29:07
Jim and Chris discuss listener questions relating to Social Security, QLACs, TIPS ETFs, and buffered ETFs. (9:00) A listener who worked in Australia in the late 1980s asks how the U.S.-Australia Totalization Agreement might affect their Social Security benefits. Jim and Chris discuss whether their earnings record can be adjusted and what steps to take. (16:00) The guys respond to a listener with a sizable public pension who is considering claiming Social Security at 62 and investing the funds. They analyze the strategy and explain why delaying benefits is often the better choice for protecting the Minimum Dignity Floor . (47:30) Jim and Chris address a question about QLACs and IRA valuations: Should the end-of-year fair market value of a QLAC inside an IRA be included when calculating the total IRA balance for pro-rata basis conversion purposes? (58:15) George asks about TIPS ETFs—if phantom income from inflation adjustments isn’t reinvested, does that diminish or eliminate inflation protection? (1:07:30) A listener nearing retirement lays out their funding strategy for a 5.5-year delay period and beyond. Jim and Chris share their thoughts on the approach and the role of buffered ETFs. Show Notes: Article discussed in Question 2 The post Social Security, QLACs, and ETFs: Q&A #2505 appeared first on The Retirement and IRA Show .…
T
The Retirement and IRA Show


1 Safe Withdrawal Rate: EDU #2505 1:28:54
1:28:54
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:28:54
Jim, Chris, and Jake share their thoughts on a recent Morningstar study that lowers the industry-standard safe withdrawal rate to 3.7%. They review a MarketWatch article discussing the study, highlighting points of agreement and disagreement. Throughout the conversation, they explore their approach to retirement planning, including the Minimum Dignity Floor , See-Through Portfolio , and Fun Number concepts, comparing these to the safe withdrawal rate and Monte Carlo methods for determining retirement spending. Show Notes: Read in MarketWatch Watch the video from Morningstar The post Safe Withdrawal Rate: EDU #2505 appeared first on The Retirement and IRA Show .…
T
The Retirement and IRA Show


1 Medicare Enrollment, Social Security, and Estate Taxes: Q&A #2504 1:34:17
1:34:17
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:34:17
Jim and Chris discuss listener questions relating to Medicare enrollment, Social Security benefits, and estate taxes. (6:00) George asks about Medicare’s special enrollment period and the impact of large Roth conversions on IRMAA thresholds after retirement. (18:30) A listener wonders about the impact of the Social Security (Un)Fairness Act on spousal and survivor benefits eligibility. (23:00) The guys weigh in on a question about eligibility for survivor benefits after delaying Social Security to age 70. (28:30) Jim and Chris address concerns about strategies to mitigate estate taxes, including the use of Qualified Charitable Distributions (QCDs) and trusts. The post Medicare Enrollment, Social Security, and Estate Taxes: Q&A #2504 appeared first on The Retirement and IRA Show .…
T
The Retirement and IRA Show


1 Charitable Remainder Trusts Part 2: EDU #2504 1:28:34
1:28:34
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:28:34
Jim, Chris, and guest Paul Neiffer, CPA, continue their discussion on Charitable Remainder Trusts. They also answer listener questions related to CRTs, CRATs and CRUTs. The post Charitable Remainder Trusts Part 2: EDU #2504 appeared first on The Retirement and IRA Show .
T
The Retirement and IRA Show


1 Contributions, Social Security, 415 Limits, and Beneficiaries: Q&A #2503 1:05:47
1:05:47
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:05:47
Jim, Chris, and Jake sit down to discuss listener questions relating to contributions, Social Security, 415 limits, and beneficiaries. PSA: Chris and Jake review several questions from this weeks EDU show relating to 415 limits, new age 60-63 “super” catch-up contributions effective under SECURE 2.0. (10:30) A listener looks for clarification on his wife’s spousal Social Security benefit. (13:30) George provides some additional thoughts surrounding 415 limits and maxing out 401k contributions. (23:00) PSA to clarify the question from last week’s Q&A Show regarding a person who inherited an IRA directly from his mom as a primary beneficiary, and a different IRA from his mother as a successor beneficiary. They dive deeper into the difference between a primary and successor beneficiary when inheriting an IRA. (51:45) Georgette looks for some additional information on Social Security issues surrounding widowhood. (1:01:00) A listener wonders what happens when the market is closed on a day that someone passes away and how to value the security on that given day when it’s inherited. The post Contributions, Social Security, 415 Limits, and Beneficiaries: Q&A #2503 appeared first on The Retirement and IRA Show .…
Chris and Jake discuss the new “Super-Catchup” retirement plan contributions , explaining who qualifies and how they work. The post “Super-Catchup” Retirement Plan Contributions: EDU #2503 appeared first on The Retirement and IRA Show .
T
The Retirement and IRA Show


1 Social Security, Inherited Roth IRAs, Inherited IRA RMDs, and Roth Withdrawals: Q&A #2502 1:21:51
1:21:51
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:21:51
Jim and Chris sit down to discuss Social Security, inherited Roth IRAs, an inherited IRA RMD case, and reporting Roth withdrawals. (12:45) The guys answer a question about earning enough Social Security credits while working overseas and how this impacts Medicare eligibility and spousal benefits. (22:45) Georgette asks whether taking a Child-in-Care benefit now will allow her to switch to a higher survivor benefit later. (33:00) A listener wonders if a trust can preserve the tax-free growth of an inherited Roth IRA beyond the 10-year withdrawal rule. (46:15) Jim and Chris talk about a very confusing inherited IRA RMD case they are working on. (1:12:00) George seeks advice on reporting Roth IRA withdrawals after a Roth conversion and dealing with AGI changes when filing taxes. The post Social Security, Inherited Roth IRAs, Inherited IRA RMDs, and Roth Withdrawals: Q&A #2502 appeared first on The Retirement and IRA Show .…
T
The Retirement and IRA Show


1 Retirement Planning Dialogue: EDU #2502 1:31:10
1:31:10
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:31:10
In this EDU dialogue show, Jim and Chris are joined by Jake to explore listener questions about Social Security, income annuities, strategies for deploying dollars in retirement, and other Retirement Planning related topics. Mentioned JP Morgan Article The post Retirement Planning Dialogue: EDU #2502 appeared first on The Retirement and IRA Show .…
T
The Retirement and IRA Show


1 Spousal Benefits, IRMAA, Step-Up Basis, Family Maximums, Beneficiaries, and Inheritances: Q&A #2501 1:32:54
1:32:54
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:32:54
Jim and Chris discuss listener questions relating to Social Security spousal benefits, IRMAA planning, step-up in basis rules, family maximums, IRA beneficiaries, and factoring inheritances into retirement planning. (12:00) George asks how his wife’s spousal Social Security benefit will be calculated, specifically regarding COLA increases to his PIA and his delayed filing at age 70. (20:30) A listener inquires about minimizing IRMAA surcharges following Roth conversions by using form SSA-44 to waive the surcharge for consecutive years. (31:15) In a PSA, Jim and Chris clarify a mistake from a previous episode regarding the IRS definition of fair market value (FMV) for determining the stepped-up basis of inherited stocks. (38:15) A listener seeks clarification on Social Security family maximum benefits and how spousal and child benefits are calculated when the family’s total benefits change over time. (43:00) George asks for advice on naming IRA beneficiaries, including per stirpes designations, contingent options, and considerations for blended families and remarriages. (1:08:30) The guys discuss how to factor potential inheritances into retirement planning, particularly when the timeline and asset usage remain uncertain. The post Spousal Benefits, IRMAA, Step-Up Basis, Family Maximums, Beneficiaries, and Inheritances: Q&A #2501 appeared first on The Retirement and IRA Show .…
T
The Retirement and IRA Show


1 Developing Confidence With Retirement Spending: EDU #2501 1:16:21
1:16:21
ลิสต์เล่นในภายหลัง
ลิสต์เล่นในภายหลัง
ลิสต์
ถูกใจ
ที่ถูกใจแล้ว1:16:21
Jim and Chris, once again joined by Jake, a fellow planner at Jim Saulnier & Associates, discuss a recent Wall Street Journal article about why retirees often hesitate to spend in retirement. The guys share some tips to build retirement spending confidence. The post Developing Confidence With Retirement Spending: EDU #2501 appeared first on The Retirement and IRA Show .…
ขอต้อนรับสู่ Player FM!
Player FM กำลังหาเว็บ