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 dot com, and click the Meet the Team button on the homepage.

Now here's Jim and Chris with today's show.

Hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week.

Pretty typical show today, although might be limited on time depending on some office-related things,

but we'll try to get through as many questions as possible. We'll probably try to limit the banter on the front end here, uh, since we might be, uh, having a shorter than average or shorter than typical show. Uh, on this show, we're going to take your questions. You've submitted. If you want to submit your own questions, you just send them to Jim directly. Jim at Jimhelps.com is the email address. That's Jim H-E-L-P-S.com. Put in the subject line, it's a question for the podcast, and we'll do our best to get to it and address it on the podcast, although we don't, we get too many questions to answer every single one on the podcast, but we

try our best to do as many as possible. And if we don't answer your specific question, hopefully

we'll answer one that's substantially similar so you can get the help or clarification you're

...