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. All information is believed to be from reliable sources. However, we make no representation as to its completeness or accuracy. All economic and performance information is historical in nature and is not indicative of any future results. Any indices mentioned on the show are unmanaged and cannot be invested indirectly. Diversification and asset allocation strategies do not assure profit or protect against loss.

Never make any investment or financial decisions based on information offered on this show

without first consulting your financial legal or tax advisor.

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, welcome to the

Retirement and IRA show, EDU edition and happy new year to everyone. This is the first show of

2025. I'm going to have to already start getting used to writing 25 and saying 25. I'm one of those people

that it takes a while before it sticks and I end up writing down or saying 2024 pretty repeatedly

for a while. But today is the day we have to start transitioning our minds to 2025. On today's show, I've got Jim joining me,

as well as Jake. He's been on the show a few times already. He's also in the office here.

Those of you out there who are clients of ours, I know there's clients that listen in addition to the

general public that listens to the show. Many of you have spoken to Jake, a variety of capacities,

but he'll be joining us today. We're going to discuss a recent Wall Street Journal article

that came out, kind of a piece dedicated to retirement planning, that came out

just the last few days of December here.

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