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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 Sonier, 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 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.

Well, hello and welcome to the Retirement and IRA show, EDU edition for this week.

This week is, I think, EDU show number two. That is part of June, annuity awareness month. And I'm pretty sure it's the second one. Yeah,

I remember correctly. My brain isn't fully engaged. I was on vacation last week. So it's been a

minute since we've recorded a show. But in last week's show, just as a reminder, we talked about kind of as an introduction for annuity awareness month.

We talked about why annuities, when used properly, might provide several powerful protections against emotional spending issues that you might have.

Believe it or not, when you spend money in retirement,

it can be emotional, financial protections you might receive from an annuity. Mostly what we're referring to there is longevity protection. We find that lifetime income annuities to be a rather

useful tool for longevity protection because it's an unlimited stream of money,

unlimited in time, at least it's unlimited to your mortality, right?

And then cognitive benefits, meaning it's not going to fix your cognitive decline,

but the simplicity of having a secure income source like an annuity can be powerful in helping you in a situation of cognitive decline where you might otherwise have trouble understanding more complex financial situations and transactions.

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