Transition Period Strategy Part 1 – Asset Positioning: EDU #2516

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 16 April 2025

⏱️ 85 minutes

🔗️ Recording | iTunes | RSS

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Summary

Chris’s Summary:
Jim and I are joined by Jake and Jacob to discuss listener emails related to asset positioning for retirement and the transition period leading up to it. We break down how we think about asset allocation across account types, what a liquidity account is and why we use it, and how we handle year-end tax planning. It’s all part of how and why our Secure Retirement Income Process focuses on spending needs, not just portfolio performance.

Jim’s “Pithy” Summary:
Chris and I are joined this week by Jake and Jacob for the first in what will likely be a multi-part series—because if you’ve listened to us long enough, you know we don’t exactly breeze through these things. This all started with two listener emails that were clearly related: one asked how to position assets across different types of accounts—Roth, IRA, brokerage, and so on—while the other came from someone in what we call the “transition period,” not quite accumulating anymore but not yet distributing either. We figured it was a perfect opportunity to dig in.

So, we walk through our approach to asset management, why we don’t believe in being dogmatic with account assignments, and how we use the Fun Number and Minimum Dignity Floor as anchors when planning for retirement spending—and why trying to map out every distribution years in advance is a fool’s errand. Instead, we focus on creating a flexible structure that can adapt as life throws curveballs. I share why I’m a fan of the liquidity account concept, Jake dives into how we handle tactical tax planning each fall, and Jacob brings his Jello-themed wisdom to the world of asset positioning.

Chris keeps us on track (mostly), but yes, there’s a brief derailment involving a questionable turn of phrase on my part—and now Jake and Jacob have recorded evidence of me offering them raises.

The post Transition Period Strategy Part 1 – Asset Positioning: EDU #2516 appeared first on The Retirement and IRA Show.

Transcript

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0:00.0	The retirement and IRA show represents the words and views of the show hosts exclusively and should not be construed as investment, legal, or tax advice.
0:06.9	All information is believed to be from reliable sources, however, we make no representation as to its completeness or accuracy.
0:12.1	All economic and performance information is historical in nature and is not indicative of any future results.
0:16.5	Any indices mentioned on the show are unmanaged and cannot be invested indirectly.
0:19.9	Diversification and asset allocation strategies do not assure profit or protect against loss.
0:23.8	Never make any investment or financial decisions based on information offered on this show
0:26.9	without first consulting your financial legal or tax advisor.
0:29.7	Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor.
0:47.0	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:52.1	Join us as certified financial planner Jim Sondier, as well as Colorado State University Finance Instructor and Certified Financial
0:55.0	Planner Chris Stein teach you about IRAs, borrow-in-case, annuities, Social Security,
1:01.1	pension plans, and estate planning in a fun and enjoyable show. Whether you are listening
1:06.1	live in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that
1:12.3	they're available to help you plan for your retirement. Just visit their website at Jimhelps.com.
1:18.4	That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage.
1:24.7	Now here's Jim and Chris with today's show.
1:38.2	Hello and welcome to the Retirement and IRA show, EDU edition for this week. I'm Chris and I'm going to be joined by the three Js today. So we have kind of a unique show. I don't know
1:43.6	that we've had this many people on the show
1:46.2	simultaneously in quite a while. We've done it before, but not often. But I've got Jim, Jake, and
1:52.5	Jacob. So just realized as I was getting ready to talk here, that I'm the only one without a name
1:58.5	that starts with Jay. So we could be the four Js, but I've changed my name.
2:02.7	And I'm not doing that.
	...

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