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The Retirement and IRA Show

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The Retirement and IRA Show

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 FINANC ...
 
The Income For Life Show, powered by Folds Of Honor. Join the Income For Life team as they discuss common financial and retirement income concerns and break them down in an easy-to-understand way. No financial jargon (without an explanation) on this show! Retirement, annuities, income, taxes, planning, common mistakes, the stock market, emotions... We cover it all on the Income For Life Show. The Income For Life Show is powered by Folds of Honor, a 501c3 non-profit organization dedicated to ...
 
Perhaps you've heard about pension reform on the news? Multiemployer benefit funds provide retirement, paid sick leave, vacation, and other paid benefits to millions of middle and working-class Americans and retirees, but these funds are complex. Join Traci Dority-Shanklin, the client and union advocate with over 20 years of managing Taft-Hartley funds, as she navigates the complex world of Taft-Hartley and speaks with the experts who help guide these plans. Guests will share the latest deve ...
 
Federal retirement expert, Chris Kowalik, empowers federal employees to make confident decisions as they plan for the days when they no longer have to work. Chris' candid and straightforward nature allows employees to get the answers they need, and to understand the impact these decisions have on their retirement.
 
The mission of the Financial Safari is to equip you with the tools and knowledge that you need to successfully navigate through today's complex financial jungle. Each week, the hosts and guests on the show reveal the latest developments in the financial world to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings.
 
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, rec ...
 
The Simplifying Investing series aims to de-mystify the often-complex world of investing. Whether it’s big or small, we are all invested in something, that's why we're drawing on the knowledge of AMP’s experts to answer the big questions in superannuation, retirement, home loans and beyond. Podcasts provided by AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group. They contain general advice only and have not considered your personal circumstances. You should consi ...
 
Everything you want to know, and some of the things you don't, about finance and investing. From budgeting to retirement planning, we'll cover the gamut, including investing, portfolio optimization, investment analysis, health insurance, life insurance, property casualty insurance, annuities, financial planning, and much more. We'll start each topic off by discussing some basic ideas while building up to more advanced concepts. Chris is the funny one (most of the time) and Sean is the analyt ...
 
Hosts, Adrian Kuchtaruk and Brandon Loshusan, are medical students at the Schulich School of Medicine in London, Ontario, and Co-chairs of the Business in Medicine Club. Similar to the club, the Business in Medicine podcast aims to educate medical students, residents, and early practicing physicians on various topics of business that affect the day-to-day lives of healthcare professionals. Whether we like it or not, business plays a fundamental role in how healthcare services are delivered. ...
 
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show series
 
The typical electric bill will be 5% higher this winter. For those using natural gas, bills are expected to be up 25 - 35% depending on location - propane even more. Clark has several suggestions to help you save. / Every time there’s a runup in home prices, people tend to take out equity. That practice is up 33% over last year. Why Clark believes …
 
The UFCW Local 21 set an ambitious goal of identifying, recruiting, and training 4500 of the next generation of labor leaders over the next two years. How is that effort going? Luckily, Faye Guenther, the president of UFCW Local 21, is here to give an update and share how laughter helped bring her diverse team together. Some highlights from the 450…
 
Survey Says: The number 1 type identity theft is credit card fraud. Clark smart strategies to protect your wallet when holiday shopping online. // The concert business has been in turmoil since the pandemic began. Events were postponed overwhelmingly to avoid the paying of refunds. Meet a ticket seller with better options. \\ Ask Clark topics inclu…
 
Clark gets into the nitty gritty of doing laundry & the best detergent buys. Consumer Reports ratings are in - how to get more for less. // We pay more for medical care in the U.S. than the rest of the world with less to show for it. Hospital systems buy up competitors and practices to reduce competition. There’s a counter move going on. How CVS, W…
 
Steady income, moderate growth, manageable risk — those are the goals that Jeffrey Kosnett, the editor of Kiplinger’s Investing for Income, has been pursuing for decades. Also, a quick look at holiday shopping strategies. Links mentioned in this episode: Resist the Impulse to Buy These 14 Holiday Gifts https://www.kiplinger.com/personal-finance/sho…
 
Clark discusses NFTs with Team Clark’s Christopher Smith who has done really well with them. Can you get rich quick? // Tax rates on regular savings interest and on investment earnings have been adjusted for next year. Clark explains how it pays to know the difference and save accordingly. Ask Clark topics include: 3 Rules for Buying Gold - Clark’s…
 
Every single day, businesses and governments around the world are grappling with the issue of climate change, and it’s something that has been on just about everyone’s mind in 2021.So how are we doing when it comes to investing in our climate’s future, and what impact will it have on our own financial fortunes? This week, we sit down with AMP’s Hea…
 
Jim and Chris discuss listeners questions relating to Social Security benefits, Roth 401(k) rollovers, inherited Roth IRAs, and Roth conversions. (5:30) A couple of California and Colorado listeners try and provide some clarification on estimating your Social Security benefit with no future estimated earned income. (18:00) A listener aims to provid…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The big box retailers are better stocked for Christmas than anticipated. Inventory and sales are up. Clark lets you know what’s a deal and what’s not right now. The market never stops changing - how to be flexible in a time of rising prices. Clark Stinks and Ask …
 
A USA Today investigation found 121 recalled or banned toy products, some of which have had fatal consequences, sold on Facebook Marketplace with no oversight. This is not unique to Facebook. The U.S. gov is suing Amazon for selling dangerous products. What to know and look out for from these and other marketplace sellers. // Americans are a genero…
 
We continue our life insurance segment to talk about Whole Life Insurance. What is it? How does it work? There are several people that use it and they are usually especially wealthy, but why? Is it best for someone who is up and coming to get early or a late stage investor? What is the best way to approach it? Why am I writing so many questions? Wh…
 
Holiday package thieves are a real problem and delivered goods will be priced higher than picked up merchandise. Clark discusses the advantages of “click & collect” and Amazon lockers / In modern media, the traditional wall that separates advertising from content has broken down in every format & platform. A con artist posing as a Texas financial r…
 
“Skimpflation” is a form of hidden tax via customer no-service, with companies cutting corners in almost all sectors. Surviving businesses are dealing with increased demand and labor shortages - another dislocation to work through in the economy. // While spending billions on non-stop ads, the traditional market-driven insurance industry is being t…
 
The National Flood Insurance Program is getting an overhaul that could send your rates up (or down). We dig into what's changing with this coverage that many have—and many more need. Also, a bond that pays over 7 percent, for now. Links mentioned in this episode: When Savings Bonds Make Sense https://www.kiplinger.com/article/credit/t065-c000-s002-…
 
It’s the time of year to make elections for your retirement accounts. News on next year’s new income and contribution limits for retirement accounts and tax implications moving forward. / Zillow is out of the home buying business, but other iBuyer companies are still thriving. Industry update and when & where using an iBuyer makes sense for home se…
 
Have you ever wondered how physicians take an idea and turn it into a product/start-up? What resources do physicians need to be able to take on these ventures and how do they find the time with their clinical duties? The road to product/start-up development can be a daunting task for one physician, but it can be very rewarding if the right connecti…
 
Jim and Chris sit down to discuss listeners questions relating to Social Security, Roth 401(k)s, fun spending, and saving for college. (7:00) A listener from Connecticut asks about how to get a more accurate estimate of his future Social Security benefit. (13:30) George from North Carolina looks for clarification on Roth 401(k) plans and their rela…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The final phase of pandemic relief allows for lower premiums, more subsidies and smaller deductibles on health insurance for qualifying individuals and families for 2022. Revisit Healthcare.gov to enroll by Dec. 15. Clark explains Medicare Advantage plans & the u…
 
This week on Financial Safari Coach Pete D’Arruda advantages and disadvantages of moving your money around. Another name is rollover. Then he gets into a discussion about Jim Kramer and his index acronyms. He has one called the ‘fang index’ and he’s getting ready to rename it the ‘mamma index’. That and more this week on Financial Safari. Call Coac…
 
So many medical students out there are wondering what kind of alternative careers physicians pursue beyond clinical practice and how they can get exposure in these different careers. However, with a challenging and busy curriculum, it is often difficult for schools to find time to host informational sessions about alternative paths in medicine. Tod…
 
Hosts, Adrian Kuchtaruk and Brandon Loshusan, are medical students at the Schulich School of Medicine in London, Ontario and Co-chairs of the Business in Medicine Club. Similar to the club, the Business in Medicine podcast aims to educate medical students, residents and early practicing physicians on various topics of business that affect the day-t…
 
Alternative digital currencies have become a big topic of discussion in recent times, due in part to new technologies creating different ways to invest.Cryptocurrency is one that has a lot of people talking, so this week on the Simplifying Investing series, AMP Capital’s Chief Economist, Dr Shane Oliver joins us to break down everything from how se…
 
Supply chain issues, shipping delays, and higher prices - NOT a few of Clark’s favorite things. Sale cycles are underway already and December will be expensive. Clark Smart holiday shopping guidance. Clark Deals Black Friday / A Fidelity study shows women investors on average earn superior returns to men. Why the difference? Ask Clark topics includ…
 
Term Life Insurance. Most have at least heard of it, and at least in Chris's line of work, everyone has it. But do you understand what it even means? Why does it exist? How many claims actually get utilized in it? Is it right for you? Let's dive into it and see what we can learn.Di Chris Holling & Sean Cooper
 
Car repair rip offs are a long term, terrible problem, increasing during today’s car shortages. How to prevent car repair nightmares and what to do if you are stuck in one. / The nation’s banks have not been kind to small business, and now this market is going through the early stages of disruption. Better options for business banking from fintechs…
 
Jim and Chris sit down to discuss a couple tax court cases and private letter rulings from Jim’s most recent Ed Slott group training. The post Tax Court Cases and Private Letter Rulings: EDU #2145 appeared first on The Retirement and IRA Show.Di Jim Saulnier, CFP® & Chris Stein, CFP®
 
Series I Savings Bonds are paying 7.12% interest for the next 6 months. Clark explains how long these bonds must be held and how they work. Recommended. / Are those “free” phone offers really worth it? Clark explains what it’s really costing you. Best Cell Phone Plans and Deals in 2021 Ask Clark topics include: Wills & Funerals Archives / How To Op…
 
Would you like some crypto with that Whopper? Crypto mania has reached an all time high. Clark on the Burger King - Robinhood crypto tie-in. Electronic currency is a valid concept for moving money more efficiently around the world. So what’s the problem? You deserve a Clarksplanation. / Carvana’s under review in several states over title & registra…
 
Jim and Chris discuss listeners questions relating to average wage index, Social Security, mega backdoor Roth conversions, solo 401(k) contribution limits, and qualified retirement plans. (20:00) A listener asks about the average wage index (AWI) for workers born in 1960 and the effects of COVID in 2020. (23:00) A listener points out some social se…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Some airlines have had periods of complete chaos of late. What’s behind the meltdowns, a notable exception, and a warning about online travel reviews. We’re entering a very popular travel season- Clark smart booking advice. Clark Stinks and Ask Clark topics inclu…
 
The K Economy: A significant portion of the population thrives, while many others struggle mightily. Meanwhile nearly 70% worry about their kids falling behind as education has also suffered during the pandemic. So what’s the good news? Clark points to opportunity. // A LendingTree study of debt collection complaints reveals that most involve fraud…
 
Season 5?? How are we even to this many? Tying up to a nice round number of episode 30... we think... is to talk about Life Insurance. We know that this was a daunting concept. Correction, Sean knew this was a daunting concept and we decided to break it down into small and digestible chunks. Join us on life insurance, learning more about they types…
 
If your union or employer’s defined benefit plan was in critical and declining condition and facing insolvency, would you consider a hybrid retirement solution to fix it? That’s exactly how the UFCW Local 21 turned their red-zone plan back to green. UFCW Local 21 president, Faye Guenther, shares the bold steps taken by her UFCW family when they swi…
 
Robocalls may have started declining due to number verification to thwart spoofing. So crooks are moving on to text scams. These are coming at you fast and furious. What to look for so you don’t download a virus. // Are you feeling burned out at your job? More than half of workers don’t take all their PTO. What!? Clark’s annual plea for your good h…
 
Chris and in house CPA, Bob Palechek sit down to discuss updates to the potential tax changes within the proposed Build Back Better Act as well as a listeners in-depth tax question. The post Updates To Proposed Tax Changes In BBB Act and Misc. Tax Discussion: EDU #2144 appeared first on The Retirement and IRA Show.…
 
Americans are living longer. At the same time, we want to retire earlier. Clark wisdom for those ages 20 to 45 about what it takes to be FI (Financially Independent) in the back third of life. // An outrageous grocery charge you have to hear to believe - and how to protect your wallet from this kind of banking trainwreck. Ask Clark topics include: …
 
Atlanta Falcons linebacker and Kiplinger contributing editor Brandon Copeland joins us to reflect on what he’s learned from working with us. Plus, billed for a COVID shot? Don’t pay. Links mentioned in this episode: Brandon Copeland Cope’ing with Money features https://www.kiplinger.com/brandon-copeland Billed for a COVID-19 Vaccine? Dot Pay https:…
 
The work from home genie is out of the bottle. Employees have left the building. And yet, nearly half of execs want them back in the office 5 days a week. Check the quit rate, boss. People have the power now. Clark smart executive direction. / Housing: Our number 1 expense. Clark covers the latest developments and how they affect your wallet now an…
 
Chris sits down with in-house CPA, Bob Palechek, to discuss questions relating to Roth conversions, inherited stock shares, and taxation of military pensions. (4:00) A Kentucky listener looks for clarification on Roth conversions and the definition of net investment income. (27:45) A Pennsylvanian couple asks about estate planning and inheriting sh…
 
Australia’s property market has created wealth for millions of people, but for those looking to break into it for the first time, it’s a difficult prospect.New research shows Sydney’s property prices are the highest they’ve been in a decade, while in Melbourne, the city’s median house prices are now creeping up towards the $1 million mark.This week…
 
Season 4 ending?? We are shocked as this whole segment has been very packed with information and also moved so quickly. In this episode we talk about derivatives. Options, futures, and so on. This is the most commonly used tool in the market trading community, especially in the Hedge Fund sector. This means that there is something of value to learn…
 
Jim and Chris sit down to discuss a listener prompted topic relating to nuances with beneficiaries of inherited IRAs. The post Nuances With Beneficiaries Of Inherited IRAs: EDU #2143 appeared first on The Retirement and IRA Show.Di Jim Saulnier, CFP® & Chris Stein, CFP®
 
Jim and Chris discuss questions relating to Social Security, JWROS accounts, TSPs, inherited IRAs, backdoor and converted Roth contributions. (9:45) A Wisconsin listener looks for clarification on Social Security Survivor benefits. (12:00) A listener from Arizona looks for advice on when to claim Social Security. (19:00) George from Indiana asks if…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The Holiday shopping season has morphed to spread out the sales calendar for greater efficiency. The pandemic has accelerated that process. Now pre-Halloween, sales are underway. Clark points to a few so you can SAVE MORE. The biggest deals will come before Decem…
 
This week on Financial Safari Coach Pete D’Arruda digs into some complex planning strategies you may be overlooking. It’s information that deals with wealth building and tax sheltering along with income planning and retirement planning. Call Coach Pete at 800 661 7383. Text PLAN to 600-700. Visit FinancialSafari.com to learn more.…
 
There are 2 major factors that inform why people choose to move from one state to another. California and Texas are a case in point. // Clark shares an idea that may shift the way you think about retirement savings - at any age. Ask Clark topics include: What Is a 403(b) and How Does It Work? / How to Buy a Used Car in 7 Steps / Best and Worst Auto…
 
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