Kelly Financial: Saturday, April 19, 2025

Episode Transcript

Speaker 1 (00:12):
Is going to us.

Speaker 2 (00:14):
So good morning, dear Boston. I'm John Boudris and Kelly
Financial Safe Money Strategies indeed carries on every Saturday morning
right here on WRKO six point eighty on the AM
dial and online from just about anywhere. I think this

(00:37):
is now the third week in row that I'm going
to talk about the Red Sox because they are just
the perfect parallel on what's happening in the markets. You
get almost a no hitter one day, and what happens
the next you lose sixteen to one. Seems like our
markets are bouncing around like that all the time now,
and that's exactly why you're listening here this morning, to

(01:01):
try to protect yourself from the perils of those bounces.
We do have a lot on the show today and
one of the things that is dear to me I'll
be speaking with missus Kelly about, and that's retiring early.
And you know, it's not always cracked up what we
might think it could be. There's perils, there's pitfalls, and

(01:21):
retiring early takes particular planning grips, even more so, or
at least different than retiring when you're in your mid
sixties or close to seventy. We of course will be
speaking with the advisors at Kelly Financial and the Beast,
William Kelly will be talking with us too. He's been
doing some heavy lifting of his own. We will be right.

Speaker 3 (01:44):
Back Safe Money Strategies with John Budris and Kelly Kelly
called Kelly Financial on eight eight eight hundred, eighteen eighty one.
We'll go to Kelly Financial dotalg Hi.

Speaker 4 (02:02):
I'm Kelly Kelly from Kelly Financial Services. Retirement planning is
more than portfolios and performance. It's about people At Kelly Financial.
We're blessed in that we get the opportunity to.

Speaker 5 (02:14):
Help people in retirement.

Speaker 4 (02:16):
When Bill passed away more than six years ago, I
renewed my commitment to carry on our mission of serving
people in the Greater Boston area, and my team is
filled with the same sense of purpose. Retirement is about rebirth, renewal,
and restoration. At its most basic, it's about living a
lifestyle that you deserve. I'm reminded of a quote from

(02:37):
Deborah Day. Renewal requires opening yourself up to new ways
of thinking and feeling. I believe that captures the spirit perfectly.
We've all been through a lot over the last several years,
we're still standing and carrying on. May the miracle of
Easter bring you peace, renewal, rebirth, faith and comfort.

Speaker 5 (02:58):
We're Kelly Financial. Come retire with.

Speaker 3 (03:01):
Us safe money strategies called eight eight eight eight hundred
eighteen eighty one cool. Visit Kelly Financial dot org. Come
retire with us.

Speaker 4 (03:17):
Good morning, dear friends and dear listeners. I'm Kelly Kelly,
and welcome to our show on this fine Saturday morning.
I'm here with my handsome son, William Kelly Junior, as
we chat every Saturday morning.

Speaker 5 (03:31):
Good morning William.

Speaker 1 (03:33):
Good morning Mom.

Speaker 6 (03:34):
How are you.

Speaker 5 (03:35):
I'm great. Happy Easter.

Speaker 6 (03:37):
Happy Easter, ladies and gentlemen. Happy Easter to you and
to Mary Madeline all.

Speaker 4 (03:41):
Of our listeners and clients out there listening in.

Speaker 6 (03:46):
So that was great and now is the time for
celebration and spending time with our family. Also, the Easter Bunny,
the Easter Bunny is coming tomorrow. That is a huge deal.

Speaker 4 (03:55):
Always has been very competitive between you and Mary Madeline.

Speaker 5 (04:00):
That's right, no matter the age.

Speaker 6 (04:02):
The egg hunt, She's beaten me every year, every single year.
You know, I could have used like being a child
as an excuse, but even when I became an adult.

Speaker 1 (04:11):
She still has beaten me every year.

Speaker 5 (04:14):
That is funny, it's hilarious.

Speaker 1 (04:16):
I don't know why she's so good at it, but
she is.

Speaker 5 (04:19):
And maybe this will be the year you win.

Speaker 1 (04:21):
I say that every year. I say it every year,
and she always gets me.

Speaker 5 (04:25):
Well, we have to report on last weekend.

Speaker 1 (04:28):
What happened last weekend?

Speaker 4 (04:30):
Well, you had your powerlifting competition.

Speaker 1 (04:33):
Oh right, that's right. I forgot about that.

Speaker 4 (04:35):
I had a birthday.

Speaker 1 (04:36):
You had a birthday as well, I did.

Speaker 4 (04:39):
But the highlight was the competition. I have never attended
anything like this. When Mary, Madeline and I arrived, you
were there earlier, of course, getting ready for everything. But
when we arrived, William, you were like a ray of sunshine.
You were just so happy and so excited. You didn't

(05:02):
look nervous.

Speaker 5 (05:03):
Not a bit. And you must tell our listeners what
you did.

Speaker 6 (05:08):
So what Well, I got there at eight o'clock, just
a little bit before that, at eight exactly, they did
the rule debriefing and the referee introduced me to a
couple other people. The announcer, who's also a referee, was
there and he did the rule debriefing. He was very helpful. Basically,
we started off with squats. At nine o'clock, people are

(05:28):
just going up on stage or hitting their squats.

Speaker 1 (05:30):
I'm like, oh my gosh, I go up there. I'm
so giddy. I squat. I racked too soon because of
just all the nerves.

Speaker 6 (05:36):
And the reason that's important is because if you rack
too soon and you don't rack when they tell you too,
it's a bad lift because you didn't listen to their command.
So the next two lifts that I did, you're allowed
three attempts. If you get all three, you can request
a fourth, but if you miss one, you can only
have three.

Speaker 1 (05:50):
And so my second and third attempt I did it correctly.

Speaker 6 (05:53):
Then we did a bench press, and then we finished
off with the dead lift.

Speaker 1 (05:57):
Well, all I have to say is my fonts there.
I didn't know any of them at the beginning of
the morning. I was so nervous. At the end of
the day, we were all a team. It was incredible.

Speaker 5 (06:08):
These random it was incredible.

Speaker 1 (06:10):
They were all so supportive the crowd.

Speaker 6 (06:13):
You guys, I have to say, having family there was
probably the best motivation I've ever had and doing it
for you. I remember there was this guy he lives
in Fall River. I mean, the gym was in Fall River,
and you could tell he's Portuguese, very Portuguese. He has
a very strong Fall River accent, and he goes, your.

Speaker 1 (06:32):
Mother's in the crowd. You got to hit this. Your
mother's in the crowd.

Speaker 6 (06:36):
And that was whenever I was going up to attempt
five hundred and twelve pounds for my deadlift, and.

Speaker 1 (06:41):
I didn't even know I could lift that weight.

Speaker 6 (06:43):
I mean I called my wrestling coach next day to
tell him about it, and he said, let me guess
you one. And I said yeah, And I said I
had no idea I could deadlift that much weight, and
he said, of course he did.

Speaker 1 (06:52):
Of course he knew that I did some things out
there I never knew I could do.

Speaker 5 (06:56):
That was amazing, William, Thank you, mom.

Speaker 1 (06:58):
It was an honor to have you there. Thank you
so much for showing up.

Speaker 6 (07:01):
Thank was so supportive. And my best friend Johnny was
there too, So the best people I could ever ask
for I met. So exciting, it really was, and honestly
seeing other people there do so well. I mean, there
was a seventy five year old man, Ladies and gentlemen,
his name was Paul, and Paul kicks some butt. I
think he bench pressed over two hundred pounds. I know

(07:22):
he squatted over three hundred and fifty pounds. That was wonderful.
And then he deadlift I think about four hundred. It
was amazing.

Speaker 5 (07:30):
It truly was.

Speaker 6 (07:31):
I hope I'm like Paul when I'm at his age.
You know, the nicest guy this this powerlifting coach was
there in the back. He gave me so much advice.
I talked to him. He was so nice, so supportive.
It was awesome. So let me wrap this up by saying,
I ended up with.

Speaker 1 (07:47):
Eight records broken in Rhode Island.

Speaker 6 (07:50):
I'm a record holder and a record placer for the
bench press, deadlifting squad, and the bench press. The record
that I got was two forty five. I did too six,
but I benched too soon so it didn't count. Similar
to my squat, and for my squat, I got four
hundred and twenty five pounds and for my deadlift, I
got five hundred and twelve pounds. All in all, I

(08:11):
won the open and junior category that day. But the
biggest news of all, and I didn't know this until
the powerlifting coach explained this to me. He said, if
your total is over this much weight. You are an
international powerlifting qualifier and you can powerlift in England.

Speaker 5 (08:29):
Wow.

Speaker 6 (08:30):
And you know I wasn't expecting to hit the deadlift
when I did it, but I did and he said
you qualify.

Speaker 5 (08:36):
Wow. That's exciting, William.

Speaker 1 (08:38):
Isn't that?

Speaker 7 (08:39):
So?

Speaker 1 (08:39):
I need to keep training ladies and gentlemen. The work
is never done. It's never over.

Speaker 6 (08:43):
We're always working harder every single day and we're always
trying to get better. And so whenever November comes around,
I will be in Wolverhampton, England, and I'll be powerlifting internationally.
So we got more meats to come up here in
the United States in the summer before.

Speaker 1 (08:58):
I feel like I'm ready, But I'm excited for November.

Speaker 5 (09:01):
Excellent, excellent.

Speaker 4 (09:03):
I want to wish everyone a wonderful weekend and a
blessed Easter, and do keep us.

Speaker 5 (09:09):
On your dial.

Speaker 4 (09:10):
In today's show, Mike dust and Mary Madeline Kelly will
be talking about something we don't hear enough. How widows
can get back on solid financial ground. Is practical, is compassionate,
and it might be just what you are someone you
love needs to hear. Mary Madeline will return with Greg

(09:31):
Murray to discuss effective tax rates compared to tax brackets.
I will return with John Boudris. We will talk about
early retirement, the pros, the cons and the fears. We
will also have some wit and wisdom from Bill Kelly William.

Speaker 5 (09:48):
Thank you for chatting with me this morning. I love you, Honey.

Speaker 1 (09:51):
I love you too, Mom, and as do I and everybody.
Happy eas.

Speaker 3 (10:02):
Safe money strategies brought to you by Kelly Financial Services
Cool eight eight eight hundred eighteen eighty one. We'll go
to Kelly Financial Dottle, come retire with us.

Speaker 8 (10:16):
Okay, my friends, let me tell you about Kelly Financial Services.
It's time now for a reality check. You think you're
going to retire at sixty five, Maybe play some golf,
spoil those grandkids, do a little traveling, kickback and not
worry about money again. But many retirees have these dreams
dash because they didn't plan, and the realities of life

(10:39):
comes crashing down. Inflation isn't going away, social Security is
looking shaky, healthcare costs are rising, and what about your
nest egg that has the last twenty, maybe even thirty
years in an uncertain world. That's why you need a plan.
That's why you need Kelly Financial. They're hosting a masterclass

(11:00):
on one of the most misunderstood tools in retirement, annuities.
It's called Annuities The Good, the Bad, and the Ugly,
and it's packed with straight talks, straight smart strategies, real solutions.
Classes are April twenty second and twenty fourth. To sign up,
call eight eight eight eight hundred eighteen eighty one or
email Kelly at Kellyfinancial dot org eight eighty eight hundred

(11:24):
eighteen eighty one or email Kelly at Kelly Financial dot org.

Speaker 9 (11:31):
Good morning, Welcome to Safe Money Strategies. My name is
Mike Tussette, Chief operating officer at Kelly Financial. Are you
a widow or do you have a friend who is
a widow. It's up to you to create financial stability
for yourself when you're on your own, but that can
feel daunting.

Speaker 10 (11:44):
Where do you start and who do you trust?

Speaker 9 (11:47):
The best advice we can offer is just do the
next right thing, but you may not know where to begin.

Speaker 1 (11:52):
We got you covered during.

Speaker 9 (11:52):
Today's show, where we're going to lay out financial moves
for widows to help put you back on track. If
you're a widow or have a friend who's won be
sure to keep it right here on today's installment of
safe Money Strategies.

Speaker 11 (12:04):
Good morning, I am Mary Madeline Kelly at Kelly Financial.
Our focus is tax efficient retirement planning. When you lose
a spouse or partner, the financial responsibility can be overwhelming.
Who do you bounce ideas off of? How do you
quickly get up to speed on investments? How do you
make sure that you don't run out of money? Not
to mention, you'll also need to update your legacy planning

(12:24):
now that you're on your own. The good news is
that it doesn't have to be overwhelming and complex. That's
what this episode is all about.

Speaker 9 (12:31):
Retirement is full of complicated choices. How to invest your
money so it's preserved but still grows. How to keep
your taxes low, how to leave everything to your loved
ones with the least amount of taxes or a hassle,
and probably most important, how to make your money last.
Do you know if your current retirement plan solves all
of these problems? If not, then you could be exposed
find the holes in your plan by using our on

(12:53):
track retirement review process. This is where we will run
a retirement what if analysis to find cracks and weaknesses.
What this means is that you no longer have to wonder.
You can quiet those nagging questions.

Speaker 11 (13:05):
One way to make sure you're doing the right thing
with your retirement is to note if your four oh
one K and iras are on the right track to
provide you with lifelong income while keeping your taxes low.
With the recent stock market volatility, now maybe the ideal
time to get an honest, objective investment review with our
team to make sure that you're doing the right thing
with your money.

Speaker 9 (13:25):
A good place to start the review would be with
a breakdown of the current investment allocation.

Speaker 10 (13:29):
Most investors are probably.

Speaker 9 (13:30):
Familiar with the pie shot that is commonly found on
most investment statements. A review should include this analysis for
each account, as well as a snapshot of the entire portfolio.
The analysis is important because it provides the equity of
fixed income percentages. These percentages help investors understand the amount
of risk that is present in any given allocation. Making
sure an investor is comfortable with the current mix of

(13:52):
equities to fix income is an important step in determining
whether or not the current allocation is appropriate for that
particular investor.

Speaker 11 (14:00):
And this sounds like a pretty obvious step, but I
can't tell you how many times I've met with a
prospective client that didn't know their current allocation. As people
get closer to retirement age and closer to that time
when they'll start needing to take withdrawals from their investment accounts,
it's typically advisable to increase the fixed income percentages and
reduce the equity exposure. Understanding these percentages is key.

Speaker 9 (14:24):
Our review process takes it a step further by providing
clients and prospective clients with an actual risk score. We
use industry leading software that quantifies the amount of risk
present in any particular allocation. It's a straightforward, easy to
understand breakdown that not only provides the standard pie chart,
but also provides what we refer to as the portfolio

(14:45):
efficiency rating. The efficiency rating tells us if you are
being adequately rewarded for the amount of risk present in
your portfolio. We've all heard of risk versus reward well,
our analysis measures this correlation.

Speaker 11 (14:57):
A second opinion should also document past performance and determine
the appropriate benchmarks. Past performance does not guarantee future returns,
but it does provide investors with an understanding of how
a portfolio has reacted to economic conditions in the past.
Benchmarks allow investors to gauge the relative performance of their
portfolios compared to investments in similar categories. Are your holdings

(15:19):
underperforming or outperforming peer groups? The final piece of the
comprehensive investment review, or our second opinion, should consist of
a feed breakdown. Investment fees can be assessed in a
number of ways. They can include things such as ongoing
management fee, fund expense ratios, upfront commissions, trading or transaction fees,
annual account fees, and planning fees. Many people believe it

(15:41):
is perfectly logical to get a second medical opinion when
their life is on the line, but often people are
hesitant to get a second opinion regarding their financial health,
even though their retirement may be on the line. Don't
make the same mistake.

Speaker 9 (15:54):
Give us a call today and schedule a complementary consultation
with our team. You can reach us at eight eight
eight eight hundred undred eighteen eighty one again that numbers
eight eight eight eight hundred eighteen eighty one, or visit
us online at Kelly Financial dot org. Mary Maddeline, I
need to take a quick break, but We'll be back
later in the show to continue our conversation, so stay tuned.

Speaker 3 (16:17):
Kelly Financial Services A eight eight hundred eighteen eighty one.

Speaker 2 (16:22):
There's nothing like running the Boston Marathon mark. Even before
crossing the start line, you must spend months planning in advance,
training your body, becoming familiar with the terrain, preparing for
all weather conditions, adjusting fuel and hydration, and testing your gear.
Many runners visualize their race, setting that personal record and

(16:46):
seeing themselves finishing strong. When it comes to your retirement,
what do you see? A fulfilling retirement requires the same
kind of planning, preparing, adjusting, testing, and goal setting as
for a marathon. Let the retirement coaches at Kelly Financial
Services help you cross the finish line in the greatest

(17:07):
race of your life. So call eight eight eight eight
hundred eighteen eighty one or visit Kellyfinancial dot org. When
your mark get set, go to Kelly Financial Services. Come
retire with us.

Speaker 4 (17:22):
I'm Kelly Kelly from Kelly Financial. Join us for a
free master's class on April twenty second or April twenty
fourth called Annuities, The Good, the Bad, and the Ugly,
where we'll break down.

Speaker 5 (17:34):
Was good was not and the must knows.

Speaker 4 (17:36):
Annuities can provide guaranteed income and security, but they're not
for everyone. Seats are limited to reserve yours call eight
eight eight eight hundred eighteen eighty one or email Kelly
at Kellyfinancial dot org where Kelly Financial Come retire with us.

Speaker 3 (17:53):
The Money Rap with Kelly Financial Advisors Greg Murray and
Mary Madeline Kelly.

Speaker 1 (18:00):
Morning.

Speaker 10 (18:00):
This is Greg Murray, Senior Vice president and Chief Compliance
Officer at Kelly Financial Services. Joining me today is Mary
Madeline Kelly, one of our wealth advisors. How are you
doing today?

Speaker 11 (18:09):
Good morning, Greg. I am great, definitely feeling more optimistic
about the warmer days ahead now that we're seeing less
of a cold front.

Speaker 10 (18:17):
Cold is great when it's snowing, but the rain and
cold combination is terrible. Which brings us to our topic
for today.

Speaker 11 (18:23):
In honor of Tax Day being this week a fun
time for all Americans, we want to clear up a
common tax misconception that we hear all the time, the
difference between your tax bracket and your effective tax rate.

Speaker 10 (18:35):
It's one of those things that comes up in almost
every conversation this time of year. People look at their
income and then panic when they see they're in the
twenty two percent tax bracket, assuming they're handing over twenty
two percent of every dollar they make to the irs.

Speaker 11 (18:48):
Right, And that's just not how it works. So let's
start by breaking it down. When we say tax bracket,
we're talking about the marginal tax rate, the rate you
pay on your last dollar of income. The US has
a p aggressive tax system, which means you pay different
rates on different portions of your income.

Speaker 10 (19:05):
So, for example, if you're a single filer making sixty
thousand dollars a year in twenty twenty four, you might
be in the twenty two percent tax bracket, But that
doesn't mean you pay twenty two percent on the full
sixty thousand dollars exactly.

Speaker 11 (19:17):
The first chunk of your income is taxed at ten percent,
then the next chunk at twelve percent, and then the
rest of sixty thousand dollars gets taxed at twenty two percent.
You only pay twenty two percent on the income that
falls within that bracket's range.

Speaker 10 (19:31):
That's where your effective tax rate comes in. That's the
average rate you're paying on all your taxable income. For
most people, that number is quite a bit lower than
their top tax bracket.

Speaker 11 (19:40):
Right, And let's keep going with that sixty thousand dollars example.
After the standard deduction, let's say about fourteen thousand, six
hundred for a single filer in twenty twenty four, you're
taxed on about forty five than four hundred.

Speaker 10 (19:54):
So when you.

Speaker 11 (19:55):
Calculate how much you actually owe and divide it by
your total income, your effective tax rate might be closer
to ten to twelve percent, not twenty two percent.

Speaker 10 (20:04):
And that's an important distinction because we see people turn
down opportunities like overtime or a raise because they think
it'll push them in a higher tax bracket and they'll
lose money. But that's just not how brackets work.

Speaker 11 (20:15):
Nope, you never go backwards by earning more. You'll just
pay a slightly higher rate on the portion above the threshold,
not on your entire income. So saying I don't want
to raise because it'll bump me into the next tax
bracket is like saying I don't want to work more
because I'll lose money, and that's just not true.

Speaker 10 (20:32):
It's one of those myths that sticks around because taxes
are confusing, and let's be honest, nobody's handing out easy
to read guides when you start your first job exactly.

Speaker 11 (20:40):
That's why we wanted to do this segment today. Understanding
the difference between your marginal bracket and your effective rate
can help you make more informed decisions and maybe even
feel a little better on tax day.

Speaker 10 (20:52):
We always recommend people look at their full tax return
once a year, even just for ten minutes. Check out
line fifteen on your ten forty that's your taxable income,
and then look at line twenty four, which is your
total tax code. Divide that number by your total income.
In boom, there's your effective tax rate.

Speaker 11 (21:08):
It's a great exercise and it helps take away some
of the anxiety when you realize you're not paying nearly
as much as that scary bracket number suggests.

Speaker 10 (21:16):
Of course, if you're self employed, retired, or having more
complex financial situation, things can get a bit trickier, but
the general concept still holds. Your tax bracket is not
your tax bill, So if.

Speaker 11 (21:27):
You've been worried about hitting a higher bracket or feel
like taxes are eating away your income, just remember the
tax code is designed to be gradual, and there may
even be ways to lower your effective rate with tax planning,
like contributing to retirement accounts or taking advantage of credits
and deductions.

Speaker 10 (21:46):
We'd be happy to help walk you through that. If
you're not sure where to start, just reach out.

Speaker 11 (21:50):
And that's all I had for today's tax day breakdown.
Hopefully we cleared up some confusion and maybe made tax
is just a little less intimidating for some of those listening.
Thank you for your time today, Greg, I hope.

Speaker 10 (22:02):
You have a great day and a happy Easter tomorrow.

Speaker 11 (22:04):
Happy Easter.

Speaker 3 (22:06):
To get in touch with Greg Murray or Mary, Madeline Kelly,
or any member of the Kelly Financial team, call eight
eight eight eight hundred eighteen eighty one.

Speaker 4 (22:17):
Hi, I'm Kelly Kelly from Kelly Financial Services. What do
you look for when choosing a financial advisor? We like
to believe is based on shared values, trust and knowledge.
We've been serving clients in the Greater Boston area.

Speaker 5 (22:30):
For more than twenty years now.

Speaker 4 (22:32):
If you have investable assets and want to learn more
about our experience, call us eight eight eight eight hundred
eighteen eighty one or email Kelly at Kellyfinancial dot org
to set up a free retirement consultation. We're Kelly Financial.
Come retire with us, Yam That was.

Speaker 2 (22:52):
One small step for Nille Armstrong, but when it comes
to your financial future, it's a giant leap. Achieving your
desire retirement isn't a leap. It requires good planning, one
step at a time. Let Kelly Financial help you take
those crucial first steps today. To get started, call eight
eight eight eight hundred eighteen eighty one or visit Kellyfinancial

(23:13):
dot org. We're Kelly Financial. Come retire with.

Speaker 3 (23:16):
Us Safe Money Strategies with John Budris and Kelly Kelly.
Call the team on a eight eight hundred eighteen eighty one.

Speaker 1 (23:27):
Thank you character.

Speaker 2 (23:32):
And we are back. I'm John Budris, co host of
Safe Money Strategies, and thanks for joining us this Saturday morning.
You know early retirement sounds like a dream. Well, there's
no commute. We have more time to ourselves and our family.
We have the freedom to do whatever we want. But
it's not just about sipping coffee on the porch. There

(23:53):
are real financial and emotional challenges that come with retiring
sooner than planned. With me is Kelly Kelly, CEO of
Kelly Financial Services. Kelly, good to have you with us
this morning.

Speaker 5 (24:05):
Great to be here, John, So let's.

Speaker 2 (24:08):
Jump right in People think of retiring early as the
ultimate freedom, travel time, grandkids, hobbies. But it's not all sunshine,
is it.

Speaker 4 (24:17):
It's not.

Speaker 5 (24:18):
Early retirement gives you back your time, which is huge,
but your money has to last longer. If someone retires
at fifty eight.

Speaker 4 (24:28):
Or sixty, they could be looking at thirty or even
forty years of retirement.

Speaker 5 (24:34):
That's a long time without a paycheck.

Speaker 2 (24:36):
That's right, and many folks underestimate how much purpose their
work gave them exactly.

Speaker 4 (24:43):
The first few months might feel like a vacation, but
once the routine fades, people can start to fill a drift.
And that's why we say, don't just retire from something,
retire to something.

Speaker 2 (24:56):
Well said, let's hit the big financial stress point. What
do you see most often?

Speaker 4 (25:02):
Healthcare is a big one. If you retire before sixty five,
you're not eligible for Medicare yet, so you're paying out
of pocket for private insurance, which can run over one
thousand dollars a month per person. Another is social Security.
If you retire at fifty eight, you've got almost a

(25:23):
decade before you can draw full benefits. And of course
there's the market. If the market drops early in your
retirement and you're withdrawing funds at the same time. It
can be a double hit and inflation. It's real in
over thirty years, even a little inflation adds up if

(25:43):
your plan isn't built to keep up your slowly losing
purchasing power.

Speaker 2 (25:49):
What do most people miss when planning for that early retirement.

Speaker 4 (25:53):
They overestimate how far their money will go and underestimate
how long they'll live. They also forget to factor in
unexpected costs like long term care or helping out a
family member. That's why we build plans with margin and flexibility.

Speaker 2 (26:11):
Let's talk now about the emotional side. What happens when
the novelty of early retirement wears off.

Speaker 4 (26:19):
That's when things get tricky. We see people lose their
sense of structure or identity. Their social circle changes. They're
no longer the boss or part of the team. And
for a lot of people, work was a big part
of who they were. So we always ask what are
you retiring to? If someone doesn't know, that's our cue

(26:42):
to slow down and dig deeper.

Speaker 2 (26:44):
I've had friends say they were bored out of their
minds six months in exactly.

Speaker 4 (26:50):
The happiest retirees we see are the ones who stay engaged.
They consult part time, volunteer, take up a new craft
or trade something that gives them purpose.

Speaker 2 (27:03):
So what do you say to someone who's financially ready
but emotionally let's call it unsure.

Speaker 4 (27:09):
We take the fear out by bringing in facts. We
run simulations. What if the market drops, what if inflation
stays high? What if health care costs go up? We
stress tests their plan, and we talk through income strategies,
like how to build multiple income streams and structure withdrawals

(27:31):
in a way that protects them through different market cycles.
But we also talk about life. What will your days
look like? What will keep you fulfilled? Retirement is not
one size fits all.

Speaker 2 (27:45):
And when someone sees that their plan can withstand pressure,
that anxiety fades.

Speaker 4 (27:51):
It really does. We've seen it time and again. Once
people see a path forward, they breathe easier. They go
from can I do this too? I've got this.

Speaker 2 (28:02):
So if someone listening is on the fence now a boat,
retiring early or already retired but still wavering, what's the
next step?

Speaker 5 (28:12):
Reach out? Don't go it alone.

Speaker 4 (28:14):
Our team at Kelly Financial isn't just here to manage money.

Speaker 5 (28:18):
We're here to help build a strategy.

Speaker 4 (28:21):
For this next chapter, we ask the hard questions, run
the numbers, and help you make smart decisions without emotion
clouding the picture. And you can always email us at
Kelly at Kellyfinancial dot org to set up a complementary appointment.

Speaker 2 (28:40):
That's strategy, not guesswork. Kelly is always.

Speaker 5 (28:43):
Thanks, Thank you John.

Speaker 2 (28:46):
Coming up next, we'll talk about what happens when early
retirement wasn't part of the plan or when it backfires,
plus how to stretch your savings for the long haul.
You're listening to save Money Strategies right here on wa
Ao and streaming on the iHeart app. Stay tuned and
we will be right back.

Speaker 3 (29:07):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
visit Kellyfinancial dot org.

Speaker 5 (29:18):
I'm Kelly Kelly from Kelly Financial.

Speaker 4 (29:20):
Join us for a free master's class on April twenty
second or April twenty fourth called Annuities, The Good, the Bad,
and the Ugly, where we'll break down was good, was
not and the must knows. Annuities can provide guaranteed income
and security, but they're not for everyone.

Speaker 5 (29:37):
Seats are limited to reserve yours.

Speaker 4 (29:39):
Call eight eight eight eight hundred eighteen eighty one or
email Kelly at Kellyfinancial dot org.

Speaker 5 (29:45):
We're Kelly Financial. Come retire with.

Speaker 3 (29:47):
Us safe money strategies.

Speaker 2 (29:51):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty one years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future.

Speaker 10 (30:08):
For a free.

Speaker 2 (30:09):
Initial retirement consultation, call eight eight eight eight hundred eighteen
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.

Speaker 4 (30:20):
I'm Kelly Kelly from Kelly Financial. Whether you're in your sixties, seventies,
or eighties, financial advice is important when it comes to
preserving your nest egg. We have a free investor guide
called designing your Fiscal House to Weather the Elements, which
highlights the steps needed to build a balance portfolio.

Speaker 5 (30:40):
For the guide, call.

Speaker 4 (30:41):
Eight eight eight eight hundred eighteen eighty one or email
Kelly at Kellyfinancial dot org.

Speaker 5 (30:47):
We're Kelly Financial. Come retire with us.

Speaker 10 (30:52):
No loo flue Hengry and thus ken Well.

Speaker 2 (31:02):
I pulled my car into the Dunkin Doughnuts the other day,
right on Main Street in Brockton, and I got my usual,
a croissant and bacon in it, lots of cheese, big cholesterol,
a cup of coffee, no sugar, trying to be healthy.
And as the server handed me my bag and my
cup of coffee, she looked me right in the eye

(31:24):
and she smiled with this most beautiful, broad faced smile.
She said, enjoy your day, and she meant it. This
was not a throwaway phrase that she was trained to say.
She looked at me and she really meant it. Now,
I have a tendency to read into things, and I
paused at that moment as I drove a few feet

(31:46):
to the parking area where I was going to eat
my breakfast, and I thought, she's speaking about something that's very,
very important, and so I took pause. I opened the window,
and so I took her advice. She asked me affirmatively
to do something to enjoy the day, and so I did.
I let the sun warm me. I took that first

(32:08):
sip of coffee, and I bit into that croissant, and
it all felt right, and I think about all of
the sin that make whatever challenges we have in this
world turn into kind of hell. I mean, nothing turns
tragedy into hell faster than being ungrateful, than being envious,
that being angry at being stubborn, and being obstinate. Now,

(32:32):
I don't want to drift off into a biblical homily,
but I'm going to. I want to speak the elevator
version of the story of Job. But essentially, the story
of Job is a bet between God and Satan. Both
God and Satan knew that Job was a good man,
a kind man. He wasn't a bad man, and Satan

(32:53):
bet God that he could turn Job into someone who
was bitter and angry and envious and who would cast
got away. God took the bet, and he subjected Job
to the most terrible trials. His wife, his children, his family,
selfred died. He had the most miserable existence he could
possibly have, and yet he did not give up the light.

(33:16):
He clung to the understanding that enjoy the day, be
there with the eternal, because we are part of that eternal.
And as I often do, being here in Brockton, where
my ancestors came to when they fled Lithuania back the
turn of the nineteenth to the twentieth centuries. I thought

(33:39):
of my grandmother. Here was a woman who lost everything.
At age fifteen, she set out on foot from the
small dirt floored home in which she lived with her
parents and her brothers and her sisters. On foot, she
walked from a little village on the banks of the
Mercies River to Hamburg, Germany. She had all of the

(34:03):
money that all of her grandparents and parents and siblings
had put together to give her a chance to come
to America. And she walked that approximate six hundred and
fifty miles from the banks of the Meracuise to Hamburg, Germany.
And she came to America. She didn't know the language,

(34:23):
she barely knew anyone. There was one very distant relative
who picked her up essentially in South Boston, and she
lived her whole life here in Brockton until she died
at age ninety four. And so my grandmother had much
to be ungrateful for. She had much to be angry about.
She had much to be resentful about, but she never was.

(34:46):
She always had a smile. She always burst into song
whenever she saw any of her grandkids, and she would
always say to me, my dear John, Everything's going to
be all right. That's the lesson that we should learn.
We should learn to be grateful, grateful for that wind
in our face, grateful for that sun in our eyes,

(35:09):
grateful for that cup of coffee, that Dunkin Donuts croissant
full of cholester and not be bitter. That's the lesson
of job. That's the lesson of Christ, that's the lesson
of Elijah. That's the lesson of all of the prophets.
That's the lesson of eternity. I hope we can hold
on to that, and we'll be right back after a

(35:30):
couple of messages.

Speaker 3 (35:31):
It is a.

Speaker 11 (35:35):
It's a low.

Speaker 5 (35:38):
This is us.

Speaker 3 (35:46):
Save Money Strategies with John Budris and Kelly Kelly call
the team on eight hundred eighteen eighty one.

Speaker 2 (35:55):
And we are back. I'm John Budra's co host of
Safe Money Strategies, and thanks for joining us this Saturday morning.
In the first segment, we talked about the appeal of
early retirement. But now let's dig into that reality because
sometimes early retirement isn't a dream come true. It's a surprise,

(36:20):
a challenge, or even a financial curveball, or a bean
ball or a knuckleball. We love baseball analogies here because
they are perfect. But maybe you're choosing to retire really
early in your fifties, or maybe life has pushed you
there sooner than you expected. Either way, it comes with

(36:41):
big decisions, and today we're going to talk about how
to navigate it wisely. Joining me again is Kelly Kelly,
CEO of Kelly Financial Services. Kelly, welcome back. Did you
bring your coffee?

Speaker 4 (36:54):
Good morning, John, Yes, coffee's in hand, and I'm happy
to be back.

Speaker 2 (36:59):
So early retirement. Why are so many folks drawn to it?

Speaker 4 (37:03):
Kelly? Freedom, that's the short answer. After decades of working,
people want to enjoy life, especially if they've had good
market gains, a pension or a buyout offer. But John,
freedom without a plan can quickly turn into financial stress.

Speaker 2 (37:21):
Right. People think they're just stepping out of a job,
but really they're stepping into a brand new financial lifestyle
that could last thirty plus years or even more.

Speaker 4 (37:31):
Exactly, that means facing income planning, healthcare decisions, inflation risk,
and the emotional side like identity and structure.

Speaker 2 (37:43):
And some people don't choose early retirement it's forced a layoff,
a health scare, a family crisis. What do you say
to these folks?

Speaker 5 (37:52):
First, don't panic.

Speaker 4 (37:54):
At Kelly Financial, we sit down with clients and look
at what they do have, assets, income, options, time frames,
and then we help them build a plan to bridge
the gap between now and when Social Security or Medicare
kicks in without draining their savings.

Speaker 2 (38:14):
That's the key. Even if early retirement wasn't part of
the original plan, you can still make a smart new one.

Speaker 4 (38:21):
Absolutely. The biggest mistake people make is reacting out of fear,
pulling money from the wrong places, and making rash decisions.
That's where a second opinion and a solid plan can
turn things around.

Speaker 2 (38:37):
Kelly, be honest. Have you seen people regret retiring early?

Speaker 4 (38:41):
Yes, I have. Is usually tied to poor planning. Maybe
they run short on money, or they realize they miss
their routine and their work identity. Sometimes it even causes
stress in their marriage or household. Without a plan, early
retirement can turn into early chaos.

Speaker 2 (39:01):
And it's not just those big things. Doing nothing all
day can be more expensive than people realize.

Speaker 4 (39:08):
That is so true. People underestimate lifestyle cost, healthcare inflation,
and market swings. Retirement needs active management, especially in the
early years.

Speaker 2 (39:21):
So here's the million dollar question. How do you help
someone stretch that nest egg.

Speaker 4 (39:26):
We take a strategic approach it Kelly Financial. We help
clients create a retirement income blueprint that includes dividing their
savings into buckets, one for near term income that's safe
and stable, one for mid term growth, and one long

(39:47):
term bucket they won't touch for ten years or more.

Speaker 2 (39:51):
That structure gives their money room to grow without putting
all their eggs in one basket exactly.

Speaker 4 (39:58):
It helps avoid panic during market dips and gives people
permission to enjoy their money. Believe it or not, some
retirees live like they're broke, not because they are, but
because they're afraid of running out of money.

Speaker 2 (40:13):
That sounds proactive, not reactive, which is exactly what you
want when you're at sixty or at seventy five.

Speaker 4 (40:20):
That is so right. That's why working with a fiduciary matters.
At Kelly Financial, we are a fiduciary. We are legally
obligated to put your interest first. We help clients stretch
their savings, reduce risk, and still enjoy the life they've
worked so hard for and if.

Speaker 2 (40:41):
Someone is thinking about retiring early or has already stepped
into it, what should they do next?

Speaker 4 (40:47):
Reach out and schedule an appointment. Retirement is not a destination,
it's a journey, and we help people prepare for every
step of the road ahead. Whether they need a fresh
plan or just a second opinion, we're here to help.
You can always give us a call at eight eight
eight eight hundred eighteen eighty one or email us at

(41:10):
Kelly at Kellyfinancial dot org to get started.

Speaker 2 (41:14):
As always, Kelly, great advice, it's all the time we
have Now we'll be back shortly with more and how
to build a sustainable retirement income no matter when you retire.
You're listening to Save Money Strategies right here on WRKO
and streaming on the iheartapp. We're in our twentieth year
of broadcasting and thank you so much for being with

(41:37):
us for all those years. We'll be right back.

Speaker 3 (41:43):
Safe Money Strategies with John Foodris and Kelly Kelly. Called
Kelly Financial on eight eight eight hundred eighteen eighty one
or go to Kellyfinancial dot org. Come retire with us.

Speaker 2 (41:58):
You wake up, you go to work, you have lunch,
you go home, you take the dog for a walk,
then you go to bed. Your day and night routines.
You do them without thinking. But do you ever think
about your retirement? But the team at Kelly Financial has
helped clients plan for their retirement for twenty one years,
and that team knows retirement is no routine matter. Call

(42:20):
eight eight eight eight hundred eighteen eighty one. Go to
Kelly Financial dot org. We are Kelly Financial. Come retire with.

Speaker 3 (42:27):
Us Safe Money Strategies. Call eight eight eight eight hundred
eighteen eighty one. Well, go to Kelly Financial dot org.

Speaker 4 (42:35):
I'm Kelly, Kelly from Kelly Financial. Is your financial advisor
a fiduciary? In other words, are they legally required to
act in your best interest? My complimentary book, Retire Your Fear,
Plan Your Future, explains what a fiduciary is and will
help you understand if an advisor is really putting you first.
For the book, call eight eight eight eight hundred eighteen

(42:58):
eighty one or email Kelly at Kellyfinancial dot org.

Speaker 5 (43:02):
We're Kelly Financial. Come retire with us.

Speaker 9 (43:07):
Welcome back to Safe Money Strategies. I'm Mike, you said
in joining me in the studio this morning. Is Kelly
financial investment advisor Mary Matteline Kelly. The financial in investing
world can be puzzling, with so many acronyms and terms
that can make it too much to understand, so much
so that some people tend to feel stuck, not knowing
where to turn or who to trust. The good news
is it doesn't have to be that way. We're here

(43:29):
to demystify retirement planning and help you gain the confidence
you need to feel comfortable about where you are heading.

Speaker 11 (43:36):
One thought process that we hear when you become a
widow is that you just wait and make no financial
moves for months or to a year. Could this be
dangerous advice? I mean, what if something happens to you
while you're waiting for a year.

Speaker 9 (43:48):
If retirement is a priority for you, it only happens
when you have a plan.

Speaker 1 (43:52):
To get you safely there.

Speaker 9 (43:53):
So if the political environment, the economy, an uncertain stock market,
or higher taxes has you concerned, I don't just sit there.
You need a plan to help protect your retirement savings.

Speaker 11 (44:03):
The financial and investing world can be confusing, with so
many acronyms, terms, and choices to make that some people
tend to feel lost, not knowing where to turn or
how to make sense of it all. If there's one
thing that we know is that people want a plan
that they're comfortable with and confident in.

Speaker 10 (44:19):
That's what we do for our clients At Kelly Financial.

Speaker 9 (44:21):
Our focus is tax efficient retirement planning.

Speaker 10 (44:24):
Are you a widow or do you have a friend
who is a widow.

Speaker 9 (44:27):
It's up to you to create financial stability for yourself
when you are on your own. The nagging question just
about everyone feels as they get close to retiring, the
constant wondering in the back of your mind of do
we really have enough? Or will this pile of money
last as long as we need it to. We can
literally test that and help you have the question definitively answered.

Speaker 11 (44:47):
We can help you make adjustments now so that you
have greater confidence and comfort for your retirement, all the
while striving to keep your taxes low. Once you know
exactly how much you'll need each month to live off of,
then you'll need to get a handle and possibly increase
your retirement income plan. After the loss of a spouse,
your income may be drastically lower to depension income laws

(45:07):
or reduction in social Security benefits.

Speaker 1 (45:10):
For yeahs.

Speaker 9 (45:10):
Retirees have relied on the so called four percent rule
as a guide for how much to withdraw from their
savings each year. But as the world has changed, with
rising taxes, inflation, and longer life spans, some of the
limitations of this rule have become more and more apparent.
Sticking to a one size fits all approach can potentially
leave you vulnerable, whether that means running out of money

(45:30):
too soon or not making the most of your retirement savings.
Your retirement is too important to leave to chance. An
income plan isn't just about knowing how much to withdraw.
It's about understanding the risks of inflation, taxes, and market
fluctuations in building a strategy that helps balance preservation with growth.

Speaker 10 (45:48):
Let us show you how to do just that.

Speaker 11 (45:50):
Let's take a moment to reflect on some of the
ways retirement planning has evolved over the years. Not too
long ago, retirees could usually count on defined benefit pension
plans to help provide a reliable source of income for
their golden years. These pensions lived up to their name
by offering a defined benefit, a guaranteed income for life.
Between a pension and social security, retirees often had an

(46:12):
income that was stable, predictable, and dependable no matter how
long they lived.

Speaker 9 (46:17):
For those who also managed to save during their working years,
life could be even more comfortable. Many were able to
rely solely on the earnings from their nest eggs, leaving
the principle untouched and available to pass on to their heirs.
Retirement in that era, for the most part, was about
financial stability and confidence.

Speaker 11 (46:33):
Fast forward to today, and the landscape looks very different.
Defined benefit pensions have largely given way to defined contribution
plans like four oh one KS, four fifty SEVENS, four
O three b's and iras. Unlike the old pension plans,
these newer plans are designed to help workers accumulate money,
often with the added appeal of tax advantages to encourage participation.

Speaker 5 (46:55):
But here's the catch.

Speaker 11 (46:56):
They don't come with the same guarantees.

Speaker 9 (46:58):
When it comes time to retire, many people or faced
with the stock realization their defined contribution plan doesn't promise
the stable income for life. Instead, it's up to the
retiree to figure out how much they can withdraw each year,
and more importantly, some ways to make their money last
as long as they do. This can create a whole
new set of challenges that retirees didn't usually face in
the past.

Speaker 11 (47:18):
If you have more questions or are tired of getting
the same old blanket advice and want specific advice personalized
to you, then connect with us at Kelly Financial dot org.
If you felt like today's show was a help to you,
just imagine what we can accomplish when you get your
advice that's tailored to you. Our mission at Kelly Financial
is to help you solve the problems of ways to
make your money last throughout retirement. Set up a complimentary

(47:40):
consultation with our team to get your questions answered. And
with that, I'm Mary Madeline Kelly, and I'm Mike.

Speaker 9 (47:46):
You said join us next week for more safe money strategies.

Speaker 8 (47:54):
Joining us now, as she always does at this time,
she's this sea CEO, co founder, president of Kelly Financial Services,
and yes, that is her wonderful name, Kelly Kelly Kelly.
How are you.

Speaker 4 (48:13):
Good morning, Jeff, I am good. Are you retired or
nearing retirement and wondering if annuities are right for you?

Speaker 5 (48:23):
Don't miss our.

Speaker 4 (48:24):
Upcoming master's class Annuities, The Good, the Bad, and the Ugly.
On April twenty second, and April twenty fourth, join us
for an eye opening educational session where we will cover
how annuities work, the pros and cons, and the red
flags to watch out for. Will break down the different

(48:45):
types of annuities, fees, surrender periods, and how they can
support a protected retirement income plan, and do bring your questions.
We'll have a dedicated Q and A so you leave
informed and confident.

Speaker 5 (49:01):
Space is limited.

Speaker 4 (49:02):
Reserve your spot today, give us a call or email
Kelly at Kellyfinancial dot org. Jess, have a wonderful weekend,
My best, Grace and the kiddos.

Speaker 8 (49:14):
Thank you so much. Kelly, have a wonderful weekend. My
best to everyone at Kelly Financial. I urge all of
you take advantage of these master classes. Incredibly informative and
as you just heard from Kelly, they are still signing
people up, so call now eight eight eight eight hundred
eighteen eighty one eighty eighty eight eight hundred eighteen eighty

(49:37):
one or email Kelly yourself Kelly at Kelly Financial dot org.
Kelly at Kelly Financial dot org.

Speaker 5 (49:49):
I'm Kelly Kelly from Kelly Financial.

Speaker 4 (49:51):
Join us for a free master's class on April twenty
second or April twenty fourth, called annuities the good, the bad,
and the ugly will break down.

Speaker 5 (50:00):
Was good, was not and the must knows.

Speaker 4 (50:03):
Annuities can provide guaranteed income and security, but they're not
for everyone. Seats are limited. To reserve yours call eight
eight eight eight hundred eighteen eighty one or email Kelley
at Kellifinancial dot org where Kelly Financial come retire with us.

Speaker 3 (50:20):
Safe money Strategies eight eight eight hundred one eight eight one.

Speaker 7 (50:28):
Now my grandfather came from Ireland. What was the problem
there while the ground was rotting because it was over farmed,
Because every so often the English would come over and
they would divide the land up, and they would tell
the tenant farmers, those being the Irish, that they would
have a certain amount of land that they could use
for themselves and a certain amount that had to be

(50:51):
used for the benefit of the crown. And the proceeds
from that land had to go to the Crown, and
the proceeds from the land designated for the tenant farmer
could go to anything they wanted to, including the welfare
of their families. Every so often the English would come
back over and they would redistrict what the Senate farmers
could use for their own and they would enlarge the

(51:12):
portion that the crown needed. And why did this happen, Well,
Great Britain was an expansionist nation and they were colonizing
the world. They needed food and they needed supplies in
order to expand, and they would steepen these ratios year
after year till finally the Irish farmer could no longer

(51:33):
afford to leave a field unplanted, so they had to
plant and plant and harvest in order to live. So
by the eighteen twenties, thirties and forties, the ground was
rotting with a blight that went from plant to plant
underground by the root. It was a rot because the
earth is damped there and people were watching each other

(51:55):
starve to death basically, and they decided to try to
get to the States. As a picture, my grandmother More
and my grandfather Kelly, and they came to America because
they wanted a job in a mill. So, knowing what
they knew about land ownership in Ireland, it became very
important for them to own land in America. It was
another dream, so to work in a mill to support

(52:18):
their family and to own property. Those were the goals.
They had seven children, one of whom was my father.
My grandfather bought a farm in the Blackstone Valley, which
is near the mills. He loved farming, he loved the railroad,
and he loved my grandmother too, So he was living
out his dream in America. The city of Prominence was

(52:39):
booming at the time. The mills were all at full tilt,
the rivers were all in use to power the mills.
The city of Prominence needed water to expand and they
needed to build a reservoir. Well, we didn't have cea
span back then. We just had a group of people
that made a decision that a section of the Blackstone

(53:00):
Valley that was farms and open space and land and
small villages was going to be made into a reservoir.
So my grandfather stayed on his farm. He stood at
that farm with a pitchfork when the sheriff came to
give him a notice that they were going to give
him four hundred and six hundred whatever hundred dollars for

(53:20):
this farm. And he wouldn't accept the paper, and my grandmother,
I guess, packed up whatever she could. They didn't give
you a two year notice, we need your land we're
going to build a reservoir. We're going to create a dam.
It's going to be gone, it's going to be underwater.
You need to relocate. So they left the night before.
He stayed there that day with his pitchfork on his farm,

(53:42):
and the water started to come. As it started to
fill the new reservoir. He could see it running down
the road and it started to get to his shoes,
and he stood there with his pitchfork, and it got
to the top of his boot, and he stayed there,
and it got to his knees. He held onto a
tree and and the water finally became so strong that

(54:04):
it whisked him away, and he grabbed onto a bureau
and he reached safety and crawled out of what was
to be the Blackstone Reservoir and walked to safety. And
he was homeless. So that was his American dream. It
is so ironic that he left Ireland because of what
had happened, which was people taking away his land, his house.

(54:27):
He stood there as long as he could and he
held on to that. Why it was his dream, and
he was raising children. So I don't know how he
felt that day when he watched that water come over
his boots. But home ownership is the keystone of this country.
Something's not right when you can see the banks from
Europe are the largest purchases of homes in the state,

(54:49):
purchasing homes in every county. So we're watching our borders
in the south of US here or the west of US.
We better be watching the people coming over with the
check for five point five billion, seven billion, eleven billion,
and we better find out how they're getting in the
country and what they're doing, and how we're going to
deal with that. When it's time to pay the piper, We'll.

Speaker 3 (55:14):
Called Kelly Financial Services eight eight eight eight hundred eighteen
eighty one.

Speaker 4 (55:19):
I'm Kelly Kelly from Kelly Financial. Whether you're in your sixties,
seventies or eighties, financial advice is important when it comes
to preserving your nest egg. We have a free investor
guide called designing your Fiscal House to Weather the Elements,
which highlights the steps needed to build a balance portfolio.

Speaker 5 (55:39):
For the guide, call.

Speaker 4 (55:40):
Eight eight eight eight hundred eighteen eighty one or email
Kelly at Kellyfinancial dot org.

Speaker 5 (55:46):
We're Kelly Financial.

Speaker 12 (55:48):
Come retire with us Senior Safe Money Strategies with John
Boudris and Kelly Kelly eight eight eight eight hundred one
eight eight one.

Speaker 2 (55:59):
The news break is coming up, and during the break,
take the time to give a call at eight eight
eight eight hundred eighteen eighty one and make that all
important first step to secure your retirement future. Talk things
through with a financial advisor about any aspect of retirement
or money management, whether it's your portfolio, concerns about healthcare,
or if you're tossing around the idea of relocating or

(56:20):
maybe helping out with your grandchildren's college. See if financial
advisor isn't only about the stock market. That's only a
portion of the job description, and in the end you'll
be amazed at how very small adjustments over time can
have enormous results when it's time to retire. In fact,
these adjustments can be the difference of when you can retire,
or in some cases, whether you can retire at all.

(56:42):
So call us at eight eight eight eight hundred eighteen
eighty one or visit us at Kelly Financial dot org
and raise a toast to your financial future. Eight eight
eight eight hundred eighteen eighty one. Kelly Financial Services with
offices in Braintreet and Burlington, all right, see you next week.
The expressed by the host, his guests, or employees of
Kelly Financial Services are solely their own and do not

(57:04):
reflect the opinions of Kelly Financial Services.

Speaker 6 (57:06):
Information has been obtained from sources deem to be reliable,
but their accuracy and completeness cannot be guaranteed.

Speaker 2 (57:10):
The information provided as general in nature and is not
intended to be specific investment, tax or legal advice.

Speaker 6 (57:14):
It is always advisable to consult a professional before making
a financial decision.

Speaker 2 (57:17):
The host is a client of Kelly Financial Services in
exchange for hosting the Safe Money Strategies Show and providing
testimonials of his personal experience as a client of Kelly
Financial Services, Kelly has waived the host's advisory v in full.
Because of this arrangement, where the host receives compensation in
the form of a fee waiver, the host has an
incentive to recommend Kelly Financial Services, resulting in a material
conflict of interest,