Fisher’s 99 Retirement Tips: EDU # 2608
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 25 February 2026
⏱️ 99 minutes
🧾️ Download transcript
Summary
Chris’s Summary
Jim and I review Fisher Investments’ 99 Retirement Tips and begin working through the list, covering only a handful in this episode. We discuss estate planning basics such as having a will, the importance of reviewing estate documents, and considering living wills and trusts, with emphasis on incapacity planning. We then examine longevity statistics, why life expectancy at birth is often misapplied, and how that connects to retirement income decisions, including Fisher’s warning on annuities.
Jim’s “Pithy” Summary
Chris and I start digging into Fisher Investments’ 99 Retirement Tips and, true to form, we only make it through a few because I may have wandered down a rabbit hole or two. The estate planning stuff is straightforward—have a will, review it, don’t ignore the documents that matter if you’re alive but not fully capable. Death is easy administratively. Incapacity is where things get messy, and that’s where families struggle. And that’s where better planning matters most.
Then we get into longevity. If you’re going to say people might live longer than they think, you better use the right numbers. Not the “life expectancy at birth” headline stat. If a couple makes it to 65, the odds shift. That matters. That changes the runway. That changes how you think about income. It also changes how long that portfolio has to work, and how long decisions have to hold up.
And from there we run into the annuity warning. We’re not pro-annuity and we’re not anti-annuity. Many deserve criticism, but if longevity risk is real—and it can be—then you should evaluate lifetime income options on their merits. Social Security is guaranteed lifetime income. Income annuities are too, so they should belong in the conversation. Whether you use them depends on the situation, but you can’t talk about taking longevity seriously and then issue a blanket warning against annuities.
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Transcript
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| 0:47.3 | This is the retirement and IRA show coming to you from beautiful Northern Colorado. |
| 0:52.9 | Join us as certified financial planner Jim Sondier, as well as Colorado State University Finance instructor and certified financial planner Chris Stein, teach you about IRAs, |
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| 1:12.6 | Jim and Chris want you to know that they're available to help you plan for your retirement. Just visit their website at JimHelps.com. |
| 1:18.7 | That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage. Now here's Jim and Chris |
| 1:26.3 | with today's show. |
| 1:36.4 | Well, hello everybody and welcome to the Retirement and IRA show EDU edition for this week. |
| 1:49.3 | Today's show is going to be a little conversation, I guess, about things you might consider or contemplate as you approach and enter retirement. |
| 2:01.9 | And to get the conversation started, if you will, we're going to use a framework that comes from a brochure from Fisher Investments that many of you may have might have laid your hands on because Fisher Investments provides this brochure or pamphlet for free upon request. |
| 2:09.0 | You do have to share your information to get it, but the brochure is called 99 retirement |
| 2:16.5 | tips. |
| 2:17.3 | So it's got a lot of them in there. We're not |
| 2:19.0 | going to go through all of them, all 99. But there's some interesting things in there, |
... |
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