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Our Blog

Why Investor Returns Usually Fall Short of Benchmarks

By Scott Roark, MBA, PhD | July 17, 2020

In podcast episodes and in past blog posts (10/25/2019, 4/20/2019) we’ve talked about the importance of benchmarking – comparing the investment performance on a risk-adjusted basis to an objective measure. At Jim Saulnier & Associates, we use five Morningstar benchmarks that are adjusted based on risk tolerance.  The benchmarks are for Conservative portfolios (20% equity, Read more…

Continuing Care Retirement Communities and Long-Term Care Insurance

By Thomas "Greg" Darden, CLTC | July 3, 2020

Community care retirement communities, also known as CCRCs (or life-plan communities), are a long-term care option for older people for whom it is essential to stay in the same place as they transition through the various phases of the aging process. It is a form of ‘aging in place.’ An Introduction to CCRCs These communities Read more…

Medicare Part B Benefits, IRMAA, and Tax Impacts

By Bob Palechek, CPA | June 19, 2020

Medicare benefits provided to eligible retirees come in various “parts” that apply benefits to various different health-related services.  Two parts, parts B & D, are funded primarily by general revenues (transfers from the U.S. Treasury) and premiums paid by enrollees.  Premiums paid by enrollees are either deducted from monthly social security benefits or billed separately Read more…

Investing Risks

By Scott Roark, MBA, PhD | June 5, 2020

In all of life, we face risk.  Some of these risks are for possibilities that are extremely remote (lightning strike, shark bite, lottery win).  And in many cases, we can effectively eliminate these risks (don’t play golf in a thunderstorm, don’t swim in the ocean with a papercut and don’t buy lottery tickets). In the Read more…

Why You Might Want a Solo 401(k) Retirement Plan

By Bob Palechek, CPA | May 15, 2020

A Solo 401(k) – also called a one-participant 401(k) — is much like a regular 401(k) plan, and has the same rules and requirements of any other 401(k). But, it is designed for the self-employed or small business owner without eligible employees. It does allow a business owner’s employee spouse to be part of the Read more…

Live Long and Prosper: Have a Plan for Care

By Thomas "Greg" Darden, CLTC | May 1, 2020

Planning, planning, planning.  It seems like that’s all we hear about these days.  Career planning, family planning, financial planning, retirement planning.  Then what?  What do we plan for after planning for retirement? We also need to plan for living a long life.  As a population we are living longer.  A 65-year-old today can expect to Read more…

correlation and diversification

Investment Management: Cost Basis Choices in the Drawdown Phase

By Scott Roark, MBA, PhD | April 17, 2020

When it comes time to start living off the investment accounts you’ve spent a lifetime building up, there are some choices that can help you manage your taxes.  The rest of this article presumes that you have taxable brokerage investments – such as stocks, ETFs or mutual funds that are not part of retirement accounts.  Read more…

Attention: Coronavirus Message from Jim

By Jim Saulnier, CFP | April 14, 2020

At Jim Saulnier & Associates, our clients’ and employees’ health and safety is our top priority.  In response to recent developments regarding COVID-19, we want to assure you that we are monitoring information developed by the Centers for Disease Control and Prevention (CDC) and are heeding their recommendations very seriously. We are committed to keeping Read more…

IRA Rollover Rules and Taxation

By Bob Palechek, CPA | April 3, 2020

You own your retirement funds.  That grants you some flexibility in what you do with the funds and where you put them.  But with flexibility comes responsibility, and you are responsible for following all of the IRS’s rules. You may get help from plan custodians, administrators, or bankers, but that does not relieve you of Read more…

Long-Term Care Insurance Part 2: How Do I Fund It?

By Thomas "Greg" Darden, CLTC | March 6, 2020

This is the second part of a 2-part series on long-term care insurance where we look at its funding sources. In Part 1 we looked at what long-term care is, what it should cover, the care setting, and the cost of care. What are my possible funding sources? One thing is certain: long-term care (LTC) requires Read more…

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