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

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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 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.

And as we've promised in the past few weeks, we've got another special guest going to be joining us here in a moment after I bring Jim on.

We've got someone from the state health insurance assistance program or ship program. This is technically, he's out of

Nebraska, but he's going to talk to us a little bit about what the heck the ship program is,

how it might be helpful to you in your state,

and share with us, you know, from their perspective, some of what they help people with with

regards to Medicare and enrolling and the choices and all that, all that confusing stuff that

all of you out there that are considering enrolling in Medicare or are reconsidering your

choices here during an open enrollment season, which is about to start here. Actually, I think as we record

this on October 15th, it's starting today. So by the time you hear this, open enrollment will have

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