This week it’s a throw back of sorts, back to when we used to take a bunch of callers every week. So no guest this week, instead we’re giving you a few calls and a slew of emails.

The first call was from Anthony in Arkansas who’s wondering if he’s actually saving too much for retirement. Is there such a thing?

Next was Kelly in North Carolina, also with a retirement question. Only in his 20s, Kelly is looking to do everything he can now to ensure that he has plenty of options down the road.

We started hour two with Joan who was wondering if there’s a best way to handle RMDs. Turns out we also learned that Joan is using way too many funds in her retirement accounts.

As I always like to say, when it comes to investing, less is usually more.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Ed Slott CPA is a nationally recognized IRA expert, television personality and best-selling author who has dedicated his life to educating Americans on saving for retirement and the intricacies of IRAs.  He was named “The Best Source for IRA Advice” by The Wall Street Journal and is the author of numerous best-selling books. His web site www.IRAHelp.com. He started our conversation with an overview of what has changed for this year's tax filing season (not too much) and then explained why well-prepared taxpayers should not be afraid of an audit. (NOTE: Ed says that the key to the entire  tax preparation process is to keep flawless records and documentation throughout the year!)

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Ed also focused on the need for retirees to shift gears in retirement. While there may be some lucrative opportunities, there are also challenges/minefields, like those thorny stealth taxes, which can trip us up.

The old favorites include the whopping 50 percent penalty for not taking your required minimum distribution (RMD) and not making estimated tax payments, but last year's change about IRA rollovers is also causing a new headache among some retirees.

As much as everyone complains about paying taxes, Ed says that tax rates are still the lowest they have been in years. That means that now could be a good time to move funds from tax-deferred vehicles, like 401 (k)s and IRAs into tax free Roth IRAs. Ed also noted that the very best retirement strategy is to work as long as you can. Extra income can prevent you from dipping into your nest egg; with earned income, you can continue to make Roth and spousal Roth IRA contributions (though once you turn 70 1/2, you can NOT make traditional IRA contributions); you may be able to delay your RMDs from your company-sponsored retirement plan; and most importantly, working longer will help you combat the reality of longevity!

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World and the worst LinkedIn User. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Don Cloud, president and founder of Cloud Financial, began his career in financial services industry in the 1990s with a mission to educate and inspire individuals to play an active role in their personal finances. Don discussed what to do if you’re facing an unexpected early retirement; how he manages clients that don't act in their own best interests; and the power of diversification…and he has an awesome accent too!

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Can we make dreams come true? That's what Jeannie wants to know! She wants to spend the first few years of retirement in Paris before returning to the US. Can we help make her dream a reality?

The housing market may be recovering, but not enough to help Jeff, who needs advice about selling a house that is underwater. Alex has a question about whether or not to sell a rental property and Chet wants to know about required distributions.

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Sure it's summer, but that doesn't mean you can't spend a little of your time at the beach or the mountains contemplating your retirement, right? In fact, your time off might encourage you to think a little more seriously about how you might spend those non-working years. In addition to dreaming, you'll have to think ahead and get your portfolio in shape for the transition.

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Paul is 70 and asked about his portfolio as well as his Required Minimum Distribution, Angela from Phoenix is preparing her investments for retirement and Sybil has been advised to combine several of her TSA accounts - should she? Scott MI is just 45, but he is "retiring" from a union job--what should he do with his pension?

Our younger listeners are also thinking ahead to retirement. Jack and his wife are in great shape and want to know what to know how to continue to maximize their cash flow; Amey wants to concentrate on accumulation for the next five years; and Christine from Perth, Australia has about $5-$7K each month that she and her husband are saving for a new home in CA. Should they direct the money into a money market account or should they pay down an existing mortgage?

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

In honor of the recently-celebrated International Women's Day, guest Jennifer Landon, founder and president of Journey Financial Services, says that there are specific - and distinct - issues that women need to consider when planning for retirement. She urges them to consider "hybrid" retirement and to have contingency plans.

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Shan is just getting started on his financial journey and it is the perfect time for him to take control! Poor Joe was the victim of tax identity fraud. Check out this post, if you want more information about "How to Protect Yourself Against Identity Theft" or go to FTC.gov .

Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Bruce kicked off the show with a discussion about how to manage his "fun money" account in conjunction with his advisor-directed funds. One idea is to let the pro do what he or she does best and then you can use the secondary account to fill in the asset allocation gaps.

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Cheryl asked about whether her fee for investment advice was reasonable; Wayne is trying to manage his retirement assets after recently getting married and both Sandra and Mike are juggling competing financial goals after the birth of their children.

Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

As we say goodbye (and good riddance!) to February, there were lots of questions about tax preparation, Required Minimum Distributions and whether or not to use target date funds. Thanks so much to Peter, Mike and Lisa, all of who offered extra information for our listeners!

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Here was the CBS This Morning segment, where we celebrated America Saves Week and in case you missed it, President Obama dropped the F-Word last week!

Not that one, but he endorsed a Department of Labor proposal, which would require brokers to act in a customer’s best interest—the so-called FIDUCIARY duty—when working with retirement investors. We talk a lot about fiduciaries on the show, so we'll be keeping you posted on what happens next.

Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

CFP and CPA Michael Goodman, President of Wealthstream Advisors, wants everyone to strive to pay ZERO taxes in retirement. He says that the ability to do "micro" Roth conversions and to utilize  IRA Charitable Rollovers, which allow taxpayers age 70 ½ or older to make tax-free charitable gifts of up to $100,000 per year directly from their Individual Retirement Accounts to eligible charities, including colleges, universities and independent schools, could help many minimize taxes during retirement.

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Michael's appearance was perfect for this show, because Neil, Don, Claudio, Peter, Richard and Warren all asked about retirement accounts. We also fielded questions about Required Minimum Distributions, so once again, here's the FINRA RMD calculator that I mentioned.

Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Retirement guru Ed Slott returns to the program to offer great advice during the hectic tax prep season: ABC or Always Be Contributing (to retirement!) While he favors a Roth over a traditional IRA, he just wants you to put yourself first in order to navigate this YOYO (You're On Your Own) environment.

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Ed also provided analysis of President Obama's budget and its implications for owners of Roth IRA accounts; potential changes to contribution rules that could allow some taxpayers to make after-tax contributions (aka the "Mega-Backdoor-Roth"); and why we all need to be prepared for stealth tax increases in the future.

For more great information, check out Ed's website: IRAHelp.com.

Chuck from MD and his wife are planning to retire in a few years and wanted a strategy for downsizing; Marie asked about taking her Required Minimum Distribution -- here's the FINRA RMD calculator that I mentioned; and Charles asked whether he should sell a large position in a single stock.

"A Proud Grandmother" inquired about the best graduation gift and Remy is considering the best way to help out parents' in need.

Happy Valentine's Day! To celebrate, here a fun CBS This Morning segment: How to Talk to your Spouse about Money!

Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

As you scramble to complete your holiday shopping, listen to the great questions that we field this week. We start with Karen from Iowa, who holds a large nest egg in illiquid investments. We then shift to Karen, who is getting into the holiday spirit by gifting to her children. (Anyone can give up to $14,000 to an individual without worrying about taxation.

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Steve is trying to decide how to manage his rental income and Dennis wanted to know about Required Minimum Distributions (RMDs).

With just days to go before 2015, check out these year-end money moves!

• 8 Year-End Tax-Planning Tips
• 5 Year-End Retirement Tips

Our guest Gary Zimmerman of MaxMyInterest.com explains his cool new service is like “Uber for cash” and how it can help you boost your returns with NO RISK!

Thanks to everyone who participated and to Mark, the BEST producer in the world. Check out Mark's first-producing credit for this CBS Evening News segment that aired recently. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Our guest MP Dunleavey recently wrote a great article in the New York Times called “Mars, Venus and the Handling of Money,” which discussed the way that men and women relate to money.

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While it’s not exactly breaking news that the sexes tend to address money issues from different perspectives, what is new is that the financial service industry is waking up and trying to address the plain fact that men and women have distinctive financial needs. MP tells us what we need to know and helps bridge the gap between how men and women can best use tap the services offered by the big companies.

Man, woman...we love all of our callers! Doris is looking for a place to invest her $100,000 inheritance -- should she use an immediate annuity? Susan is not happy with the performance of her investment advisor and wonders whether she should move her relationship elsewhere and Tim is about to start his own business…what does he need to know? (Answer: A LOT!)

A shout-out  to Ben, who passed along a suggestion for a great website www.splitwise.com that helps roommates who are trying to allocate expenses.

Thanks to everyone who participated and to Mark, the BEST producer in the world. Let me know if you think we should provide Mark with a little space to vent his various grievances with you...we're considering calling it "Mark's Musings". If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet me: @jillonmoney

One of our favorite guests, nationally-recognized credit expert John Ulzheimer joins the show to help us manage our all-important credit reports and scores and to guard against identity theft.

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John started by issuing a wake-up call: Every retailer's system is vulnerable, so we should assume that our information is out there. He then explained what you should do if you are the victim of identity theft or you think that your information has been compromised, highlighted by a great explanation of the difference between a credit freeze and credit monitoring. If you want to read more of  John's great work, check out his web site or follow him on Twitter.

Thanks to Diana, we were able to talk about less expensive options for investment management (try MarketRiders or Rebalance-IRA.com) and Evan brought up how to select the best funds within his 401K.

Dean works in law enforcement and wants to know whether he can afford to retire, while Don is not sure if he is required to take an RMD, because he is sill working.

Thanks to everyone who participated and to Mark, the BEST producer in the world. Let me know if you think we should provide Mark with a little space to vent his various grievances with you...we're considering calling it "Mark's Musings". If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet me: @jillonmoney