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 Sondier, 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 Jimhealths.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. Welcome to the Retirement and IRA show

EDU edition for this week. Hopefully everyone's year is starting off well. We're deep deep into

January now, week number two. So on today's show we're going to do, I might feel a little bit like a Q&A show because

we're going to chat about some questions that we received after our lengthy EDU series

last year in 2024 about our retirement planning philosophy and approach.

And we like to go over these types of questions because if there's a listener who bothers to

write in with a question, there's probably a bunch of people who didn't write in have the same

questions. So helps us kind of clarify and add nuance to some of the

...