Lifetime Income Series
The Lifetime Income Series: Retooling The Retirement Withdrawal Rate (The 4% Rule)
Special Guest: David Saÿen on Medicare Fraud and how to protect yourself against it
In this week’s edition of The Lifetime Income Series, Jim and Cathlyn look at the “4% Rule” for retirement withdrawals. They discuss what it is, why it isn’t working, and what you should do instead. Jim also gives a case study on corporate trustees. Jim’s guest this week is David Sayen, Regional Administrator at the Centers for Medicare & Medicaid Services San Francisco office. David discusses examples of Medicare fraud and how those on Medicare can protect themselves and their information.
The Lifetime Income Series: Efficient Tax Strategies for Small Businesses and Estates
Case Study: Tim and Rebecca Hansen – Tax and Investment Strategies
In The Lifetime Income Series this week, Jim and Cathlyn look at small business tax strategies. They illustrate the issues through the case study of Tim and Rebecca Hansen, who run a small event planning business. Their business has grown rapidly, and so has their tax burden. Jim and Cathlyn discuss tax strategies and solutions in how they structure their company, as well as investment strategies for their assets and what choices may not be a good idea.
The Lifetime Income Series: “Brainless Is Painless” – Efficient Retirement Investing
Special Guest: Joel Mee on the Logistics of 401-K Plans
In this week’s edition of The Lifetime Income Series, Jim and Cathlyn discuss employer-sponsored retirement plans. They look at tax efficiency, investment efficiency and the benefits of automatic “brainless is painless” contributions. They also discuss investments available in a 401-K plan. Jim’s special guest is Joel Mee, Director of Retirement Plan Sales Operations at The Standard. Joel looks at the logistics involved in 401-K plans.
The Lifetime Income Series: Reverse Mortgages: The Retirement Plan of Last Resort
Special Guest: Reza Jahangiri, Senior Publisher at The Reverse Review
In this week’s edition of The Lifetime Income Series, Jim looks at the issue of reverse mortgages. Jim and Cathlyn discuss the reasons why reverse mortgages come into play, and the unfortunate realities for those who don’t save enough. For many however, it is a matter of unexpected events within the family that necessitates the use of a reverse mortgage. Jim also welcomes special guest Reza Jahangiri of The Reverse Review, a monthly publication for reverse mortgage professionals.
The Lifetime Income Series: Issues of Incapacity and Dementia – How To Protect Yourself and Your Family
Special Guest: Dr. Gary Small on the Prevention of Alzheimer’s and Dementia
This week on The Lifetime Income Series, Jim looks at the issue of Incapacity, and discusses ways to financially prepare for it and protect yourself against it. Jim’s special guest is Dr. Gary Small, Director of the UCLA Longevity Center, who discusses prevention of Alzheimer’s and Dementia. The good news from Dr. Small is that lifestyle makes up 75% of prevention, and he offers specific lifestyle recommendations.
The Lifetime Income Series: Getting All “Trust” Up- Don’t Wait Until It’s Too Late, and Left To Fate (or Probate)
Special Guest- Jeff Isaac: The Lawyer In Blue Jeans
This week on the Lifetime Income Series, Jim and Cathlyn Harris discuss the many reasons why setting up a trust is a critical element in estate planning, and offer a number of scenarios of what could go wrong in the absense of a trust. Jim also welcomes attorney Jeff Isaac, an expert on estate planning and trusts. Jeff is a well-known radio personality in Southern California, and is known on the radio as “The Lawyer in Blue Jeans”.
The Lifetime Income Series: Tax Planning for the Rich and Famous - Helping Out Phil
This week's guest: Alison Farrin CPC & QPA, on Deferred Compensation and Defined Benefit Planning
In this week's Lifetime Income Series, Jim offers advice to professional golfer Phil Mickelson (with tongue firmly in cheek) in "Tax Planning for the Rich and Famous: Helping out Phil". While Phil may not actually need the advice, there are likely many others in a similar situation who could benefit from tax planning. Also on this week’s program is Alison Farrin QPA, QKA, CPC, COO of Innovative Pension Strategy & Design in San Diego. Alison discusses deferred compensation and defined benefit planning strategies.
The Lifetime Income Series: Avoiding Taxes on Highly Compensated Employees
Tom and Jacqueline Fuller: A Case Study of a Highly Paid Technology Executive
In this week’s edition of the Lifetime Income Series, Jim looks at the topic of how highly-compensated employees can avoid paying a high tax rate, and also use these strategies to plan for retirement. Jim further explores this subject with a case study of Tom and Jacqueline Fuller, and how Tom, a highly-paid technology executive, was able to lessen his tax burden and fund a successful retirement.
The Lifetime Income Series: What Is a Realistic Rate of Return on Your Retirement Investments?
Also, Yolanda York on Avoiding Medicare and Social Security Mistakes
This week on the Lifetime Income Series, Jim looks at what is a realistic annual rate of return on your retirement investments. With annuity rates low, as well as all fixed income at very low yields, Jim discusses what is realistic in terms of rates of return.
Also, Jim is pleased to welcome back Yolanda York, Social Security Public Affairs Director in San Diego County. This week, Yolanda discusses Medicare issues, how to apply online, when to apply, and deadlines in applying for Medicare Part B. Yolanda also discusses new information on Social Security planning and how to avoid Medicare and Social Security mistakes.
The Lifetime Income Series: Planning for Retirement Under Obamanomics
Also Dr. Drew Collins: Assessing Heart Disease Risk and Prevention
The Lifetime Income Series will now be featured on Mondays. In this week's edition, Jim looks at some specific strategies for retirement planning under the new reality of "Obamanomics". In addition, Jim interviews Dr. Drew Collins from the San Diego Preventive Medicine Clinic. Dr. Collins will assess the risks associated with heart disease and how to help prevent America's #1 killer disease. Jim will also discuss the very high costs of treating heart disease, and how good health should be an essential part of every comprehensive retirement plan.