photo by: Jim Saulnier
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…
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…
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…
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…
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…
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…
By Thomas "Greg" Darden, CLTC | February 21, 2020
Every type of insurance you buy is a roll of the dice. Will you ever need it? And if you do, will it give you the coverage you thought you were buying? Long-term care (LTC) insurance is a classic case where you might ask these questions. The answers you get are typically just statistics. While Read more…
By Bob Palechek, CPA | February 7, 2020
The U.S. Government is finally reacting to its concern that Americans are not saving enough for retirement. (About one-quarter of working Americans have no retirement savings.) So, Congress started writing bills and resolutions that would make it easier for certain employers to offer retirement plans to their employees – and for workers to save more Read more…
By Thomas "Greg" Darden, CLTC | January 17, 2020
Your approach to funding a long-term care (LTC) plan may include insurance. While all LTC insurance policies are required by law to contain specific standard provisions, four features play a fundamental role when designing a long-term care policy that fits your needs. Each of these features affects the amount of premium you will pay. They Read more…
By Jo Madonna, E.A. | January 3, 2020
Thousands of people lose personal data and millions of dollars to tax scams each year, despite the IRS publishing its ‘Dirty Dozen’ list of top scams year after year. The IRS encourages Americans to remain ever vigilant and to become aware of the scams and tactics used in order to protect personal information. While scammers Read more…
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Jim Saulnier & Associates, LLC (“RIA Firm”) is an SEC Registered Investment Adviser located in Fort Collins, CO.
Insurance products and services are offered and sold through James H. Saulnier, a Colorado licensed insurance producer, only in those states in which he is reciprocally licensed or qualifies for an exemption or exclusion from licensing requirements. Current reciprocal insurance licensing in these states: AL, AK, AZ, CA, CO, CT, FL, HI, IA, IL, IN, MD, MA, MO, NC, NH, NV, NY, NJ, OH, OR, PA, SC, TN, TX, VA, and WY.
