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Thank you. 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 Steinondier, 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. Today we're

continuing our discussion about our planning approach, retirement planning approach and processes and the nuts and bolts,

if you will.

And last time we had kind of gotten back into things in our discussion here after our break

during annuity awareness month and we had a couple of guests on.

But last time we kind of settled on the part of the process where we were examining kind of how should you treat the reserves that are, quote, I guess, left over in our approach after we've satisfied the minimum dignity

floor expenses, satisfied the the fun vision, if you will, kind of the preliminary fund budget

and are looking and hopefully in your situation and we always hope for when we're looking

at things that there's still money left over after

...