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. Diversityiversification 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 Solnier 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.

Hello and welcome to the Retirement and IRA show, EDU edition. We're finally going to

circle back and get into finishing up our series on our philosophy and approach that we

kind of hit the pause button back at the end of May in preparation

for National Annuity Awareness Month.

And then July, we had a couple of special guests that we were able to get onto the show.

So we are circling back a little later than we anticipated.

But what we're going to get back into is kind of revealing the secret

sauce of how we approach retirement planning.

And in the last show at the end of May, we got to the point where we introduced the fun

vision, which was a lump sum representation of your initial desires in the world of fun or

discretionary expenses. Sometimes they're referred to. And then the seesaw approach, at least the

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