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, 401k's, 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.

Welcome to the Retirement and IRA show, Q&A edition for this week.

Today's Q&A is going to be a little atypical.

We are, as those of you who listen to the EDU show and maybe our prior Q&A show are aware that June is National Annuity Awareness Month,

and so we're dealing with a lot of annuity issues on the EDU show in particular.

The Q&A show normally would have a mixture of things,

but we kind of fell into a question that was sent to us from a listener that serves a couple of useful purposes on the show here

today. And the first is there's kind of an interesting custodian behavior going on that she's

asking a question about. We'll get to that. Her custodian isn't allowing her to do something that she

should be allowed to do. But then she also, she's trying to do this thing that we'll get to,

...