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Never make any investment or financial decisions based on information offered on this show without

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Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor.

This is the retirement and IRA show coming to you from beautiful Northern Colorado.

Join us as certified financial planner Jim Sonier, as well as Colorado State University Finance Instructor and Certified Financial

Planner Chris Stein teach you about IRAs, borrow-in-case, annuities, Social Security,

pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live

in Colorado or streaming from their website or iTunes podcast, 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.

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 with today's show.

Well, hello and welcome to the Retirement and IRA show EDU edition for this week. A brand new topic today for the

EDU show. We're going to do a bit of a dialogue show, which for longtime listeners, you'll know what that means.

If that doesn't mean much to you, what we refer to as a dialogue show is when we take generally email feedback or questions that have come in from listeners that are particularly geared toward our process, our philosophy, our approach to retirement planning,

which we talk about a lot on the show.

And we love to hear from people who especially do-it-yourselfers out there who are using some parts of to different degrees, our approach to retirement planning.

And sometimes they'll provide us with kind of their twist on things, how they might be doing things a little differently than we do it or have questions of clarification about our approach.

Those types of things.

That's what we refer to as dialogue because it's kind of a back and forth about it's not just us delivering

information it's it's kind of a a group effort if you will between our approach and description

and feedback from you all out there in listener land so today jim's got a couple different things

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