Episodes

  • Transition Period Strategy Part 3 – A Case Study: EDU #2518
    Apr 30 2025

    Chris’s Summary:Jim and I are joined once again by Jacob for the third and final part of our series on transition period strategy. This time, we focus on the practical side of asset positioning: how near-retirees can begin structuring spending reserves without overreacting to short-term volatility. We use an example case study to explain how […]

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    1 hr and 27 mins
  • Social Security Benefits, IRMAA, and QCD Timing: Q&A #2517
    Apr 26 2025

    Jim and Chris discuss listener questions relating to Social Security spousal benefits, IRMAA relief, suspending Social Security for tax planning, and QCD timing with RMDs. (3:00) A listener enquires whether her 85-year-old mother, who recently remarried, must remain on her ex-spouse’s record for one year before switching to spousal benefits on her new husband’s record.(12:15) […]

    The post Social Security Benefits, IRMAA, and QCD Timing: Q&A #2517 appeared first on The Retirement and IRA Show.

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    1 hr and 6 mins
  • Transition Period Strategy and Positioning: EDU #2517
    Apr 23 2025

    Chris’s Summary:Jim and I are again joined by Jacob as we continue exploring transition period strategy—the years just before retirement when you’re not yet withdrawing but want to prepare. We cover how near-retirees can manage emotional reactions to volatility while positioning assets to support early retirement spending. For those using our Minimum Dignity Floor™ and […]

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    1 hr and 18 mins
  • Tax Planning, Minus-One Method, Inherited Roth RMDs, and Early Social Security: Q&A #2516
    Apr 19 2025

    Jim and Chris discuss listener questions relating to tax planning at full retirement age, the minus-one method for RMDs, inherited Roth RMDs, and early Social Security. (9:10) A listener jokes about the state trivia and offers a suggestion for Chris’s benefit.(11:10) Another listener shares a PSA about delays in online Social Security applications and recommends […]

    The post Tax Planning, Minus-One Method, Inherited Roth RMDs, and Early Social Security: Q&A #2516 appeared first on The Retirement and IRA Show.

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    1 hr and 38 mins
  • Asset Positioning in the Transition Period: EDU #2516
    Apr 16 2025

    Chris’s Summary: Jim and I are joined by Jake and Jacob to discuss listener emails related to asset positioning for retirement and the transition period leading up to it. We break down how we think about asset allocation across account types, what a liquidity account is and why we use it, and how we handle […]

    The post Asset Positioning in the Transition Period: EDU #2516 appeared first on The Retirement and IRA Show.

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    1 hr and 25 mins
  • Social Security, RMD age, Tax Planning, and Inherited Roth IRAs: Q&A #2515
    Apr 12 2025

    Jim and Chris discuss listener questions relating to Social Security, origins of the RMD age, the tax planning window, and RMDs from Inherited Roth IRAs. (11:00) Georgette asks how to qualify for child-in-care survivor benefits if her ex-husband, who has been missing for seven years, is legally declared deceased. (23:00) A listener wonders when to […]

    The post Social Security, RMD age, Tax Planning, and Inherited Roth IRAs: Q&A #2515 appeared first on The Retirement and IRA Show.

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    1 hr and 13 mins
  • Defining Unicorn Status in Retirement: EDU #2515
    Apr 9 2025

    Chris’s Summary:Jim and I are joined again by Jacob as we discuss listener emails about “unicorn” status—our term for retirees whose Minimum Dignity Floor™ and Fun Number™ are both covered by secure income. We clarify what qualifies as secure income and explore whether a very low withdrawal rate from a conservative portfolio might serve as […]

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    1 hr and 12 mins
  • Social Security, Roth Conversion Tax Strategy, and Identity Theft PSA: Q&A #2514
    Apr 5 2025

    This week’s is a bit of a non-traditional Q&A episode where Jim and Chris address two listener questions on Social Security but then move into Public Service Announcement mode. For the first PSA they discuss a listener email about a potential state-level Roth conversion tax saving strategy. Then, to wrap up the episode, Jim shares […]

    The post Social Security, Roth Conversion Tax Strategy, and Identity Theft PSA: Q&A #2514 appeared first on The Retirement and IRA Show.

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    1 hr and 43 mins
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