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, 401ks, 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, Q&A edition for this week.

Thanks for joining us once again.

Jim will be with us shortly to bring us a fresh batch of questions for the show.

One thing I did want to tackle right away before I forget, I promised everyone previously that we'd be monitoring the House Bill 82, the Social Security Fairness Act, that it was,

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