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.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. Today's going to be a solo show for me,

but it is going to be that show that I have promised you some many months ago that would

finally roll around the next time Jim was unavailable to

record. He's unavailable today. And what I'm going to do today is give you the short form

version of the description of our retirement planning process. We did the long form version last

summer into maybe even early fall. It was like nine shows or something like that where we went in painstaking detail through our philosophy and how we do things and how you might consider doing it on your own if you're a do-it-yourselfer.

You got into lots of detail there,

but it took nine shows or so to get through there.

So I promise I would give a kind of a concise version of that,

and that's what's going to happen today.

So in an effort to do that as concisely as possible,

...