x

75% of people globally want unbiased news (Pew Research) but are concerned they're not getting that.

Get balanced coverage with Symby. See how stories are covered across diverse outlets and spot when one side covers a story the other skips.

PODCAST

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

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

business investing

All Episodes

1:10:38

Social Security, Wash Sales, Taxes: Q&A #2617

The Retirement and IRA Show ·

2026/04/25

Chris is joined by Jake Turner, while Jim is traveling, to discuss listener emails on Social Security spousal benefits, wash sales across brokerage and IRA accounts, estimated tax payments for Roth conversions, and tax withholding strategies in retirement.(6:45) A listener asks when an ex-spouse can claim a spousal Social Security benefit and if retroactive benefits are available. (19:20) The guys address if a surviving spouse automatically receives the higher benefit upon their spouse’s

en-US

1:10:12

Retirement Spending Plans: EDU #2616

The Retirement and IRA Show ·

2026/04/22

Chris’s Summary Jim and I discuss retirement spending plans through the lens of a New York Times article titled “You Saved and Saved for Retirement. Now You Need a Plan to Cash Out,” reviewing its key arguments about decumulation and where we agree, question, or hold no opinion. We cover why the Minimum Dignity Floor rarely fails in projections, why the 4% rule may be an outdated framework for structuring retirement withdrawals, how individual inflation rates for specific expense

en-US

1:07:15

Social Security, ERISA, Trusts: Q&A #2616

The Retirement and IRA Show ·

2026/04/18

Jim and Chris discuss listener emails on Social Security benefits for a family with a disabled adult child, survivor benefits, ERISA vs. non-ERISA 403(b) protections, a listener PSA on Monte Carlo simulations, special needs trusts, and how a revocable living trust handles a primary home transfer. (5:00) A listener asks whether her husband’s early Social Security filing while still working would suspend her child-in-care benefits, and whether his benefit would be recalculated to his Full

en-US

1:23:10

Tax Rules and Mistakes: EDU #2615

The Retirement and IRA Show ·

2026/04/15

Chris’s SummaryJim and I are joined by Jake as we discuss tax rules and mistakes through two tax-focused PSAs before moving into listener emails. Jake covers a denied non-cash charitable deduction due to an incomplete Form 8283 and missing contemporaneous documentation, then walks through how estimated tax payments and safe harbor rules are calculated from prior-year tax liability. We then address listener emails on establishing home basis after a spouse’s death, how the senior deduction is

en-US

1:24:36

Social Security, Inheritance Strategy, SEP IRA...

The Retirement and IRA Show ·

2026/04/11

Jim and Chris discuss listener emails on Social Security claiming strategies, financial education electives for a college student, a listener PSA on podcast word counts, inheritance planning, and SEP IRA conversions.(11:15) A listener planning to delay Social Security to 70 asks whether proposed benefit caps should change that strategy. He also asks Chris for financial education course recommendations for his son at CSU. (35:45) The guys address a question from someone who discovered SSA shows zero

en-US

1:29:03

Retirement Lessons Learned: EDU #2614

The Retirement and IRA Show ·

2026/04/08

Chris’s SummaryJim and I share retirement lessons learned from a listener’s account of his mother. Her husband’s survivor pension elections, combined with Social Security, left her a unicorn — secure income covering all expenses — yet she died regretting trips never taken despite a $9 million portfolio. The episode also covers why joint account ownership with adult children can create legal exposure, and the importance of funding a living trust while you are still

en-US

1:30:28

Social Security, 5-year Rule, Conduit Trusts,...

The Retirement and IRA Show ·

2026/04/04

Jim and Chris discuss listener emails on Social Security claiming strategies, IRMAA income adjustments, a listener PSA on the Roth five-year rule, conduit trusts for minor IRA beneficiaries and I-Bond tax reporting, and an inherited IRA passing through a trust.(10:30) George asks about the Social Security “January Rule” and whether claiming in December 2027 or January 2028 would capture the most delayed retirement credits after reaching full retirement age in May 2027. (21:00) A

en-US

1:24:40

Buffered ETF Mechanics: EDU #2613

The Retirement and IRA Show ·

2026/04/01

If you would like to skip over the guys’ banter this week about Jim’s experience going to a Cincinnati Reds game, you can go to (7:00). Chris’s SummaryJim and I are joined by Jacob as we revisit buffered ETF mechanics in light of recent market volatility and explain why 100% and 20% buffers can still show interim losses. We also cover how renewals work, why resets are not taxable events in brokerage accounts, where these products may fit in retirement positioning, and a listener

en-US

1:27:18

Social Security, Spendthrift Trust, Living Trust: Q&A...

The Retirement and IRA Show ·

2026/03/28

Jim and Chris discuss listener emails on Social Security timing, whether you can “leave” your Social Security benefit to a spouse who doesn’t independently qualify, having a spendthrift trust purchase an annuity, and using a revocable living trust to manage aging parents’ complex financial affairs.(13:15) A listener born in November asks what their Social Security benefit would be if they begin claiming now, before full retirement age, while still earning $100,000, and when

en-US

1:05:39

Ed Slott IRA Quiz Continued: EDU #2612

The Retirement and IRA Show ·

2026/03/25

If you would like to skip over Jim and Chris’s banter on the weather, that manages to touch on Colorado water rights (an issue many east of the Mississippi probably find baffling), then you can start listening at (11:45). Chris’s Summary Jim and I continue our look through the Ed Slott IRA quiz, covering IRA recharacterization rules, how a surviving spouse may use a deceased spouse’s five year period following a spousal rollover, which IRA funds can roll into an employer plan, and

en-US

1:21:30

HSA Reimbursement, Social Security, Conduit Trusts:...

The Retirement and IRA Show ·

2026/03/21

Jim and Chris discuss listener emails, opening with listener PSAs on Medicare Advantage HSA reimbursement eligibility, then moving into questions on Social Security beneficiary rules and finishing their look at conduit trusts for IRAs.(7:00) A listener asks whether Social Security benefits can be passed on to a significant other. (28:00) The guys continue from last week with a listener’s multi-part question on whether a conduit trust should be structured to distribute RMDs before allowing any

en-US

1:10:06

Ed Slott Quiz – Widow(er) Tax Penalty and Inherited...

The Retirement and IRA Show ·

2026/03/18

Chris’s SummaryJim and I discuss the Ed Slott quiz questions from his November advisor training, opening with the widow/widower tax penalty and required beginning dates for IRA required minimum distributions before moving into inherited IRA rules — year of death RMDs with multiple beneficiaries and the deadline for satisfying them, spousal rollover options, and spousal RMD timing. Jim’s “Pithy” Summary Chris and I dig into the Ed Slott quiz from my November advisor training

en-US

1:06:13

Tax Filing, Health Insurance, iBonds, RMDs, Roth...

The Retirement and IRA Show ·

2026/03/14

Chris is joined by Jake Turner to discuss listener emails on tax filing for mega backdoor Roth contributions, a listener PSA on health insurance premiums, I Bond redemption timing, lowering RMD pressure, and Roth conversions. (6:30) George asks whether leaving a 1099-R off a return after after-tax 401(k) money was immediately converted to Roth means an amended return is needed or whether the IRS will simply follow up. (12:15) A listener asks whether HSA funds can be used pre-tax to pay fully

en-US

54:23

Retirement Planning With a Defined Benefit Pension:...

The Retirement and IRA Show ·

2026/03/11

Chris’s Summary With Jim at the T3 conference in New Orleans, I am joined by Jake Turner to cover how to factor a defined benefit pension into retirement planning, using the situation of a 45-year-old law enforcement officer with a non-covered pension as the backdrop. We walk through evaluating his savings rate against the 15–20% rule of thumb, the lump sum equivalent value of his pension income, why the presence or absence of a COLA matters significantly, and how pension income fits into

en-US

1:05:48

IRMAA, RMDs, Conduit Trust: Q&A #2610

The Retirement and IRA Show ·

2026/03/08

Jim and Chris discuss listener emails on PSAs regarding IRMAA reimbursements, RMD in-kind transfers, and naming a conduit trust as a retirement account beneficiary.(8:15) A listener shares a PSA that an IRMAA reimbursement was applied as a credit balance drawn down over several months rather than a lump sum. (17:00) The guys discuss a listener PSA on SSA-44 filing: when income is underestimated and IRMAA is owed, Medicare reconciles the difference the following November or December with no

en-US

1:15:56

Fisher’s 99 Retirement Tips, Part 2: EDU #2609

The Retirement and IRA Show ·

2026/03/04

Chris’s SummaryJim and I continue our discussion on 99 Retirement Tips from Fisher Investments, picking up where we left off last week. We cover involving children in financial decisions, the liquidity trade-off of paying off a mortgage early, renting before buying in a new retirement location, lifetime gifts as part of the fun budget, and watching for financial predators including a disputed suggestion that low advisor fees may be a warning sign. Jim’s “Pithy” Summary Chris

en-US

48:51

Social Security, IRMAA, Disclaiming Inheritances,...

The Retirement and IRA Show ·

2026/02/28

Jim and Chris discuss listener emails on Social Security survivor benefits, IRMAA relief and the SSA-44 process, the Social Security earnings test, disclaiming inheritances that are brokerage accounts, and Roth conversion rules for retirees.(6:00) A listener asks whether his wife’s early Social Security claim at 62 would reduce the survivor benefit she’d receive upon his death. (14:00) George asks several questions stemming from a successful SSA-44 IRMAA relief request, including

en-US

1:39:19

Fisher’s 99 Retirement Tips: EDU # 2608

The Retirement and IRA Show ·

2026/02/25

Chris’s SummaryJim and I review Fisher Investments’ 99 Retirement Tips and begin working through the list, covering only a handful in this episode. We discuss estate planning basics such as having a will, the importance of reviewing estate documents, and considering living wills and trusts, with emphasis on incapacity planning. We then examine longevity statistics, why life expectancy at birth is often misapplied, and how that connects to retirement income decisions, including Fisher’s warning

en-US

1:21:10

Tax Special – Conversions, Contributions, HSAs, Tax...

The Retirement and IRA Show ·

2026/02/21

Jim and Chris are joined by Jake Turner to discuss listener emails in this special tax related episode covering Roth conversions after RMD age, balancing Roth versus Traditional IRA contributions, HSA versus Roth contributions, IRA reporting questions, filing deceased tax returns, and a listener PSA on tax planning software.(11:30) A listener asks whether converting to a Roth makes sense at age 75 while currently in the 12% bracket and taking RMDs, and whether recent tax law changes create a

en-US

1:18:38

Using Buffered ETFs: EDU #2607

The Retirement and IRA Show ·

2026/02/18

If you would rather not listen to the guys’ banter about Jacob’s upcoming move to Iowa, Jim’s garden planning, and a listener correction about the word “imbibe” you can skip ahead to (33:30).Chris’s SummaryJim and I are joined by Jacob Vonloh as we discuss using Buffered ETFs prompted by a Morningstar article titled “Buffer ETFs Are Not for Everyone.” We explain how defined outcome ETFs use options to provide an explicit amount of loss protection over a given period while limiting

en-US

324 results

Similar Podcasts

TaxTalent.com The Golden Rule Podcast

Adam Golden

TaxTalent.com Podcast

Tony Santiago

Handelsblatt Crime - spannende Streitfälle der deutschen Wirtschaft

Ina Karabasz, Solveig Gode, Sönke Iwersen

Deffner und Zschäpitz – Der Wirtschafts-Talk von WELT

WELT

Black Box - La scatola nera della finanza

Guido Brera e Gian Luca Comandini -...