The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Retirement Planning

Social Security

Irmaa

Annuities

Thanksgiving

Financial Planning

Inflation

Medicare

Minimum Dignity Floor

Estate Planning

Investment Management

TIPS

Defined Outcome Etfs

Inherited Iras

Secure Act 2.0

Treasury Inflation-Protected Securities (TIPS)

Roth Conversions

Tax Planning

Private Letter Ruling

Required Minimum Distributions

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 countr... more

802 ratings

Publishes	Twice weekly	Episodes	101	Founded	13 years ago
Number of Listeners		Categories	InvestingBusiness

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Latest Episodes

HSA Reimbursement, Social Security, Conduit Trusts: Q&A #2612

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 liste... more

21 Mar 2026 • 1 hr 21 min

Ed Slott Quiz – Widow(er) Tax Penalty and Inherited IRA Rules: EDU #2611

Chris’s Summary

Jim 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 —... more

18 Mar 2026 • 1 hr 10 min

Tax Filing, HSAs, I Bonds, RMDs, Roth Conversions: Q&A #2611

Chris is joined by Jake Turner to discuss listener emails on tax filing for mega backdoor Roth contributions, use of HSA funds, I Bonds redemption timing, lowering RMD pressure, and Roth conversions.

(6:30) George asks whether leaving a 1099-R off... more

14 Mar 2026 • 1 hr 6 min

Retirement Planning With a Defined Benefit Pension: EDU #2610

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 pensi... more

11 Mar 2026 • 54 min

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Recent Guests

Jake Turner

Planner on the team and Enrolled Agent, specializing in taxes

Jim Saulnier and Associates

Episode: Tax Special – Conversions, Contributions, HSAs, Tax Returns, Tax Software PSA: Q&A #2608

Steve Sansone

Authority in cash balance plan design with significant industry recognition

Episode: Cash Balance Plans Explained: EDU #2552

Brian Luther

Retired Rear Admiral and President/CEO of Navy Mutual

Navy Mutual

Episode: Military Retirement Planning: EDU #2541

Kevin Sebesta

Author and Retirement Coach at the Rock Retirement Club

Rock Retirement Club

Episode: Spending Confidently in Retirement with Kevin Sebesta: EDU #2521

Shelley Thompson

Estate planning attorney out of the Denver area

Episode: Common Estate Planning Mistakes: EDU #2449

Matt Kaufman

Guest from Calamos Investments

Calamos Investments

Episode: Buffered ETFs Special Episode: Q&A #2439

Shelly Thompson

Practicing estate planning attorney and educator

University of Colorado in Boulder

Episode: Estate Planning Special Edition: EDU #2439

Hosts

Jim Saulnier

Certified Financial Planner and host, specializing in retirement planning for clients across the country, with experience as a co-host of The Retirement and IRA Show.

Chris Stein

Finance Instructor and Certified Financial Planner, bringing educational insights and humor to financial discussions.

Reviews

4.3 out of 5 stars from 802 ratings

This show grows on you, except ...
The rabbit discussion is very bizarre. And the comments about Illinois. That was a funny comment about Jim being a pithy speaker.
Apple Podcasts
5
Interested bystander
United Statesa month ago
A show that helps me keep my head above water
Jim and Chris are very knowledgeable and share their retirement planning with us. As an aside, I enjoy the banter and the state quizzes. I admit it took a few episodes until the show clicked with me, but now I’m hooked. The topics pertain to anyone in or near retirement age.
Apple Podcasts
5
ecolitango
United States2 months ago
Chris and Jim are the absolute best retirement pod out there. hundreds of episodes to go backnand listen to. amazing info.
Audible
5
Ed Kuehn
United States2 months ago
Unparalleled retirement information
Amazing accurate and detailed information as well as practical approaches to common and challenging retirement concerns. The absolute best content in this area and very accessible and entertaining. All thumbs up.
Apple Podcasts
5
Bummerdudenatious
United States2 months ago
My New Fav Investing and Retirement Show
Jim and Chris are great!! I enjoy the banter ( and weather reports) but their deep knowledge of financial planning, retirement makes this podcast invaluable.
Apple Podcasts
5
PeeBee333
United States2 months ago

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Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners appreciate the wealth of knowledge shared about retirement planning, often highlighting the hosts' ability to make the content engaging and entertaining.

Some listeners note that while the information is invaluable, they would prefer less focus on personal anecdotes and more direct financial advice.

The dynamic between the hosts is well-received, as many fans enjoy the humor and friendly banter that runs throughout discussions.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts	#84	United States/Business/Investing
Apple Podcasts	#228	United States/Business

Talking Points

Recent interactions between the hosts and their guests.

Tax Filing, HSAs, I Bonds, RMDs, Roth Conversions: Q&A #2611

Q: My workplace allows for 401k mega backdoor Roth. I contribute after-tax money that gets immediately converted to my Roth 401k. Do I need to amend my 1099R if the tax treatment of the distribution seems off?

Amending the return is advisable when the information in 1099R does not align with the Roth conversion. The advisor recommends ensuring that box 1 and box 2A/2B are correctly matched to the conversion so the IRS sees consistent data, avoiding possible future correspondence. The process is generally straightforward and worth doing to prevent future penalties or audits.

Social Security, IRMAA, Disclaiming Inheritances, Roth Conversions: Q&A #2609

Q: If my spouse has a non-Ira inheritance or a brokerage account, can we simply disclaim it and pass to children to avoid taxes or complications?

Disclaiming can be used in some IRA scenarios to redirect benefits to contingent beneficiaries, but it is not universally applicable to non-IRA assets like brokerage accounts. The rules depend on state, asset type, and the intended beneficiaries; there is no one-size-fits-all answer, and professional guidance is advised.

Social Security, IRMAA, Disclaiming Inheritances, Roth Conversions: Q&A #2609

Q: What exactly is SSA 44 Irmaa relief and when should one file it if a pension runs out or a major income change occurs?

SSA 44 is used to request an Irmaa reduction based on life-changing events such as loss of pension income; if applied correctly, it can lower the IRMAA tier. Relief timing matters; if the change reduces income mid-year, the relief should be reflected in subsequent Medicare premium notices, and a new form may be required for subsequent years depending on the situation.

Social Security, IRMAA, Disclaiming Inheritances, Roth Conversions: Q&A #2609

Q: If my wife claimed Social Security at 62 and I claimed at 67, what happens to survivor benefits if I pass away first?

The surviving spouse would typically receive 100% of the higher earner's benefit if that benefit is greater than the survivor's own benefit, and early claiming on the survivor's own record does not affect the survivor benefit from the deceased spouse. If the survivor is younger than full retirement age, some reductions may apply to survivor benefits until that age, but once at or past full retirement age, the survivor benefit aligns with the higher benefit.

Medicare, Social Security, Inherited Roth, Annuities: Q&A #2607

Q: What is the difference between inherited Roth IRAs and traditional IRAs concerning required distributions?

An inherited Roth IRA does not require minimum distributions, while a traditional IRA does if the original owner passed away after their required beginning date.

Audience Metrics

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Frequently Asked Questions About The Retirement and IRA Show

What is The Retirement and IRA Show about and what kind of topics does it cover?

The content combines expertise in financial planning with a relatable and engaging style, tailored primarily for individuals navigating retirement decisions. Episodes often focus on crucial topics such as Social Security benefits, IRA management, and investment strategies, intertwined with humorous interactions between the hosts, which serve to make complex financial concepts more accessible. The dynamic between the experienced certified financial planners fosters a unique atmosphere that balances education with entertainment, appealing to listeners who appreciate a personable approach to financial discussions.

Noteworthy episodes include Q&A sessions addressing listener inquiries regarding various retirement planning strategies, as well a... more

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Which podcasts are similar to The Retirement and IRA Show?

These podcasts share a similar audience with The Retirement and IRA Show:

1. Retirement Answer Man
2. Retirement Starts Today
3. Stay Wealthy Retirement Podcast
4. Your Money, Your Wealth
5. Ready For Retirement

How many episodes of The Retirement and IRA Show are there?

The Retirement and IRA Show launched 13 years ago and published 101 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on The Retirement and IRA Show?

Recent guests on The Retirement and IRA Show include:

1. Jake Turner
2. Steve Sansone
3. Brian Luther
4. Kevin Sebesta
5. Shelley Thompson
6. Matt Kaufman
7. Shelly Thompson

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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