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.

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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 dot 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.

Lovely day here in Northern Colorado as we record this for your hopefully listening pleasure.

Jim's got a good slate of questions for us.

He's warned me that we've probably got a couple of social security questions to do on the front end.

And we are going to talk a little bit about do some clarification or I would call it

almost expansion on a email question that we had from last

week's show. If you listened to the EDU show a few days ago, at the top of the show, I made

mention of it. But since that was on a Q&A show, it makes sense for us to expand on and clarify

on another Q&A show, which makes sense for us to expand on and clarify on another Q&A show, which is today.

So, Jim, if you're ready, you can, you can hop in and I guess first.

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