Kelly Financial: Saturday, August 02, 2025

Episode Transcript

Speaker 1 (00:12):
He is coming to us.

Speaker 2 (00:20):
Ladies and gentlemen, Welcome to Safe Money Strategies on WRKO.
I'm William Kelly and it's an honor to carry on
a family legacy rooted in real world values and practical advice.
Kelly Financial was founded in two thousand and three by
my parents, my late father Bill Kelly and my mother
Kelly Kelly and Braintree and Burlington, Massachusetts. Just two years later,

(00:41):
Dad launched Safe Money Strategies on WRKO as a no
nonsense call in radio show focused on common sense planning
and protecting wealth. Over the past two decades, Dad became
a pillar in New England finance, an engineer, turn entrepreneur,
author and philanthropist who believed in giving back and walking
the talk. Thousand and five, our show has remained a

(01:01):
Saturday morning staple, offering insight and empowerment. Here at Kelly Financial,
we help steward over seven hundred million dollars across our
affiliated business, including more than five hundred million dollars managed
by our sec registered investment Advisory WOR fiduciary care, and
our family first philosophy guides us on safe money strategies.

(01:21):
You'll hear candid conversations with the team, my mother Kelly, myself,
advisors Charlie Gable, Mike Ducett, Greg Workman, Greg Murray, my
sister Mary Madeline, and Tom Schlager. We live by two rules,
never quit and carry on, and we're here to help
you do the same when it comes to your money.
Stick around, take notes and join the conversation. To learn more,

(01:43):
or get our free guides or schedule a consultation, visit
Kelly Financial dot org or call us at eighty eight
eight eight hundred one eight eight one.

Speaker 3 (01:51):
This is Safe Money Strategies.

Speaker 2 (01:53):
Next up Forever Young with Kelly Kelly and myself William
Kelly Junior.

Speaker 1 (02:03):
Safe Money Strategies with William Kelly and Kelly Kelly eight
hundred eighteen eighty one.

Speaker 4 (02:18):
Each week on Safe Money Strategies, we take a moment
to step back from the headlines and have a real conversation,
the kind you might have around the kitchen table. This
is a part of the show we call Forever Young.
It's where I sit down with my son, William Kelly Junior,
and we talk about life, what's going on in the world,

(02:39):
in our family, and what really matters most when you're
planning for the future. Sometimes is life, sometimes is thoughtful,
but as always real.

Speaker 5 (02:49):
Good morning, William, how are you?

Speaker 3 (02:51):
Good morning, Mom? I'm well on yourself.

Speaker 5 (02:53):
I'm doing great well.

Speaker 2 (02:55):
We have a special guest here today, ladies and gentlemen.
Her name is Georgia Kelly, and unfortunately she doesn't speak
any English, but she does talk a little bit.

Speaker 3 (03:03):
I'm not sure you guys can hear that.

Speaker 2 (03:05):
Georgia, come here, baby, say some words, speak some puppy.

Speaker 3 (03:10):
Okay.

Speaker 2 (03:11):
So Georgia has a mind of her own, so whenever
you want her to do something, she won't do it.
But when you don't need her to do something, that's
when she starts to do it. But she is very adorable,
ladies and gentlemen. And if you've ever seen the Wizard
of Oz, she's the same breed in color as Toto.

Speaker 3 (03:25):
But get this, she's cuter.

Speaker 5 (03:28):
I knew you were going to say that.

Speaker 3 (03:29):
She even agrees with me.

Speaker 2 (03:30):
She's looking at me with these eyes like I could,
I know, give up everything and just give it to
her like the cutest dog on earth. It's like she
reaches into your soul. I'm ladies and gentlemen, you better
not have any tasty food around her because she's not
the traditional beggar.

Speaker 4 (03:47):
Well it doesn't work with me, yeah, because you know
the strategy exactly so, and I know it's not good
for her, so I do not cave. It's like she
looks directly into your soul and she's just like, I
love you so much, and I'm not going to cause
a ruckus. I don't want to discomfort anyone. Please give

(04:08):
me some of your food. It's psychological torture. So Georgia,
George's living life. She's getting all sorts of we're tracking
her steps with the Callar revention. A couple of weeks ago,
she's getting about forty thousand on average, usually about fifty
now fifty thousands.

Speaker 5 (04:22):
What is the max? What's the max?

Speaker 2 (04:23):
Her highest I think is like sixty three sixty five
thousand in one day. This has been on several occasions, Yes,
it has, which is just I'm so proud of her.

Speaker 3 (04:33):
She's gonna win the step competition on the app. I
just know her. I know she'll know she'll be the best. Yeah.

Speaker 4 (04:39):
So I was tracking her when I left to visit
my father in Georgia.

Speaker 3 (04:45):
Poppy, my grandfather.

Speaker 2 (04:47):
Yeah, he is now officially ladies and gentlemen in an
independent living home. He is in this beautiful it looks
like a ranch like this gorgeous Georgios with these incredible people,
and he is not an assisted living he is he's
still independent, and I mean, Lord knows, he's independent. He
runs a farm, and he's finally retiring. Ladies and gentlemen.

(05:10):
He's going to be in a great community. He's going
to still be able to drive. He's gonna he's going
to have all his meals prepared for him, Southern comfort food.

Speaker 4 (05:19):
Yesterday, I had launched there a couple of times. The food,
it's wonderful. They even they have their own head of paddle.
They have I'm trying to think maybe not. I think
it's like maybe fifty okay. And and they use their
own beef. And they have gardens so their food comes

(05:42):
from their gardens. That's pretty incredible.

Speaker 5 (05:44):
And they have it's just it's really great.

Speaker 4 (05:47):
And his family owned and four generations and they were
everyone was involved. It is just they have a great team.
And I've just been very much so impressed. And it
was I knew I had to be there for this
move and this transition, and I knew it would take

(06:12):
some time. Yeah, and because it's different. He's been the
same home for sixty five years. Incredible my mother, your
grandmother passing five years ago. That was a big change
for him, of course, But this is not far from
his farm, and he has his trump there, and so

(06:33):
this has just been a very positive event.

Speaker 2 (06:37):
Yes, it has, and George is very happy about it.
She's hopping on my lap. And I'm very happy about
it because I feel like you don't always get the
opportunity to have these places for your parents. It's really
really convenient, and it's really and it's not even convenient
in a bad way, it's really positive, like it's an

(06:57):
amazing place.

Speaker 5 (06:59):
It really is.

Speaker 4 (07:00):
I went and I've told I've told several close friends,
but their first response was, I am so sorry.

Speaker 2 (07:08):
Some people in our lives perceive it very negatively. But
it really isn't. I mean, at least the place that
he's at.

Speaker 4 (07:15):
Your grandfather is very independent and he drives to the farm.
He still runs his business, but is lonely living in
a home with all these memories. But yet he wants
like his own space. He wants to be able to

(07:35):
go to the farm. He wants certain things he wants
to do, and this community is just I.

Speaker 5 (07:45):
Had no idea.

Speaker 4 (07:46):
I've talked to people who have family, you know, who
reside here, and you know so I've heard great things.
But firstthand just the patience and the their attitude and
it's just I don't know, it just it's got a
great vibe there and is just I do not see

(08:09):
this as a negative, no, as a win. I know
he's safe. I know if he needs something anything.

Speaker 3 (08:17):
He can go to the dairy farm air.

Speaker 5 (08:20):
Yes, yes, he can go fishing.

Speaker 4 (08:22):
And he wants to retire, you know so, and he
wants a social life because everything has been.

Speaker 3 (08:28):
A retireing fellow.

Speaker 2 (08:30):
Me too, you know, I'll go seriously, we can't speak
highly enough of this place. Unfortunately, ladies and gentlemen, my
granddad the neighborhood that where he built his house has
changed a lot. It's not the same neighborhood it was before,
and it's not as safe as it used to be.
I won't go into detail, but it has become a

(08:53):
more dangerous area and.

Speaker 3 (08:56):
There's it's just a high activity, inter city area.

Speaker 2 (08:58):
I mean, it's just not good for my grandfather to
be living there.

Speaker 4 (09:02):
Alone a greed and if something happened even I mean, like.

Speaker 2 (09:07):
He's around people who can take care of him if
something bad happens, and he's in an area which is
safe and a more peaceful environment and around people that
he knows, in a town that he's familiar with, and
he still has his independent life. And you know, it's
just it's a blessing that this place exists, because, to
be honest, a lot of people, like you said, Mom,

(09:29):
perceive it negatively because we've all.

Speaker 3 (09:31):
Been told the old folks home.

Speaker 2 (09:34):
I don't mean to get dark ladies and gentlemen, but
it's true there's a negative perception of these homes.

Speaker 4 (09:40):
I know that they do exist, Yes they do, but
I feel like there are really great places out there.

Speaker 2 (09:48):
Like you and I were talking about this, we want
to model our service like Fellowship and in the respect
how white glove and how much they really care. Like honestly,
I respect that service, that customer service, that the business
they provide. It's not just a home, like I really

(10:09):
respect their business model. And they are a family business
model and it's all family oriented and they treat it
like family. To be honest, that inspires me how I
want to run Kelly Financial and how I think we
should run Kelly Financial and how we should behave because
I mean, to be honest, it's kind of how we behave.

Speaker 4 (10:28):
I was about to say that's mission and what we've
always done, but I even gained some ideas just from
my experience moving my father into this community, and they
have given me some good ideas.

Speaker 3 (10:45):
That's pretty cool.

Speaker 2 (10:46):
Yeah, that's actually really nice because I can tell that
they really like it's a gold standard.

Speaker 3 (10:52):
That's a gold standard of a place, and that truly,
that is what we focus on.

Speaker 2 (10:56):
So I guess the better way of saying it is
not that we should focus on it.

Speaker 3 (11:00):
We've been doing it forever.

Speaker 4 (11:01):
I guess I've trusted reviews and the people who've told
me about a fellowship, and my sister knew a lot
about it, and so that was helpful too. So we
were able to do this together, you know, as a
family with him.

Speaker 5 (11:18):
But it is still the transition.

Speaker 4 (11:21):
It's not perfect, it's not, but we're getting there, and
they are They every little detail they take serious and
I really appreciate and I'm very grateful.

Speaker 2 (11:35):
Ladies and gentlemen don't do business with people who are
not detailed, so you would never have to worry about
that with us, And you know you would never have
to worry about that at fellowship.

Speaker 5 (11:44):
Life is full of details.

Speaker 3 (11:46):
Yes, ma'am.

Speaker 2 (11:46):
Yeah, it's great that Poppy has kind of gotten into
this chapter of life now. And yes, I feel like
he can retire, he can relax, he can come visit us.

Speaker 3 (11:56):
There's no struggle anymore.

Speaker 1 (11:57):
I know.

Speaker 4 (11:58):
I told him, you know at the beginning when you
having like second thoughts, like Dad, we're not married to
this place. If you're not happy there, if it's not
what we think it is.

Speaker 5 (12:09):
We'll figure out something else.

Speaker 3 (12:11):
There you go.

Speaker 4 (12:12):
But you know, it gets him close to the farm.
And even though he is getting out of that business,
since your cousin, my nephew is purchasing it, he'll still
have a reason to go.

Speaker 3 (12:24):
So you know what, life is good, Yes, ma'am. I agree.

Speaker 4 (12:29):
Do keep us on your dial. We've got a lot
of great content coming your way. Mike do Set and
Greg Workman will share insights on money, happiness, and how
to plan for a retirement filled with purpose and joy.

Speaker 5 (12:43):
Mary Madeline Kelly and.

Speaker 4 (12:45):
Greg Murray will break down how starting early and staying
consistent can help supercharge your financial future. I'll be back
with William for a conversation on how good sleep, strong routines,
and social connection can boost brain help and how reducing
financial stress.

Speaker 5 (13:05):
Can make a big difference.

Speaker 4 (13:07):
And of course we'll close the hour with some wit
and wisdom from the late Bill Kelly. His words continue
to inspire and guide us. And that's a wrap for
forever young this morning. Thank you for listening, and William,
thank you for joining me. I love you, honey, and
we'll be back next week.

Speaker 3 (13:27):
Love you Timbaut.

Speaker 6 (13:37):
I'm John Boudris, and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly, who today tests time time.

Speaker 7 (13:48):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree twenty years ago? When's the second best
time to plant a tree? Tomorrow?

Speaker 3 (14:00):
Today?

Speaker 7 (14:00):
Whenever you can get to it, that's the next best time.

Speaker 6 (14:03):
There's no time like the present to begin saving, planning
and enjoying retirement. So download our consumer guide simply called
a Happy Retirement and find six secrets of how you
can spend your time to cultivate happiness and retirement well lived.
Go to Kelly Financial dot org or call eight eight

(14:24):
eight eight hundred eighteen eighty one to spend some time
with one of our financial advisors.

Speaker 7 (14:29):
Same time, Ladies and gentlemen, it's not too late.

Speaker 6 (14:32):
We are Kelly Financial.

Speaker 1 (14:33):
Come retire with us safe money strategies brought to you
by Kelly Financial Services.

Speaker 3 (14:42):
Call eight eight.

Speaker 1 (14:42):
Eight eight hundred eighteen eighty one or go to Kelly
Financial dot org.

Speaker 3 (14:49):
Come retire with us. Okay, my friends, let me ask you.

Speaker 8 (14:54):
Are you ready for retirement or are you just hoping
it's all gonna work out.

Speaker 3 (15:00):
You've worked hard.

Speaker 8 (15:01):
You've saved up, maybe built a solid four oh one day,
but now you're staring down rising taxes, inflation, health, air costs,
and asking will mind money actually last? Well, here's the deal.
The team at Kelly Financial has your back. They've put
together a free investor guide. It's called your Retirement Income

(15:22):
Planning Checklist, and it's exactly what smart retirees need to stop.

Speaker 3 (15:27):
Guessing and start planning.

Speaker 8 (15:29):
This thing is packed. It covers social security strategies, long
term care, how to protect your income, and how to
work with a fiduciary advisor to build a plan that
fits for you and your lifestyle. If you're typing up
your summer budget or thinking long term, this guide is
a must. So to get a free copy called eight

(15:51):
eighty eight hundred eighteen eighty one eight eight eight eight
hundred eighteen eighty one or email Kelly at Kelly Financial
dot Kelly at Kelly Financial dot org.

Speaker 3 (16:06):
Hello and welcome to Save Money Strategies.

Speaker 9 (16:08):
I'm Mike Ducett, chief operating officer at Kelly Financial Services,
and joining me is always is my colleague and investment
advisor Greg Workman.

Speaker 3 (16:18):
Hi, everyone, Great to be here with you again.

Speaker 10 (16:20):
Today we're diving into a fascinating topic, the connection between money,
happiness and retirement planning.

Speaker 3 (16:26):
That's right, Greg.

Speaker 9 (16:27):
There's a lot of research out there about what actually
makes people happy, and it turns out it's not just
about how much money you have. Harvard University has done
some compelling studies showing that experiences bring more lasting happiness
than material things.

Speaker 3 (16:43):
It makes sense if you think about it.

Speaker 10 (16:44):
You buy a new gadget or a fancy car, but
the excitement quickly wears off. But a vacation with family
or a special outing that sticks with you, often for
a lifetime exactly.

Speaker 9 (16:56):
Harvard researches point out a few key reasons for this.
Experiences tend to be social. We do them with others,
which builds connections. They grow in value over time because
we remember and tell stories about them. And experiences tend
to be unique, so we don't compare them as much
to what others have.

Speaker 10 (17:14):
And that last part is important. When you buy things,
there's always a risk that you're comparing yourself to your
neighbor or a friend who has something newer or better.
But memories, they're yours alone. They build your story.

Speaker 3 (17:29):
So how does this tie into retirement planning?

Speaker 9 (17:32):
Well, if you've spent decades saving money and planning for
the future, the goal isn't just to sit around and
worry if your money will last. It's to be able
to enjoy meaningful experiences without stress.

Speaker 10 (17:43):
Speaking of that, Mike, remember our client Steve. The story
of Steve and his trip to Disney World with his
family really illustrates this concept perfectly.

Speaker 9 (17:54):
Oh, for sure, Steve was never a high earner, but
he was consistent. He saved deadily, avoided debt, and made
smart financial choices when he came to us, he was
concerned about whether he'd saved enough to live comfortably without
worrying about running out.

Speaker 10 (18:11):
He was hesitant to pull money from his portfolio for
anything beyond basic expenditures. But after we did a thorough
cash flow analysis which mapped out his income, expenses, healthcare costs,
and yes, discretionary spending, he realized he could safely fund
experiences like family trips.

Speaker 3 (18:31):
And that Disney trip.

Speaker 9 (18:33):
It was a huge win for Steve, not just financially,
emotionally too. He told us how much joy it brought
to watch his grandson's eyes light up meeting Mickey Mouse,
and he wasn't worried about the cost because the plan
accounted for it.

Speaker 10 (18:46):
That's what we aim for, it, Kelly Financial, a plan
that is not just about the numbers, but about giving
clients peace of mind, peace of mind to live.

Speaker 9 (18:56):
Speaking of peace of mind, another Harvard finding we love
is about anticipatory joy, the happiness you get from looking
forward to something right.

Speaker 10 (19:06):
Research from twenty ten shows that planning pleasurable events like
vacations or concerts often makes people just as happy or
sometimes happier than the event itself.

Speaker 9 (19:18):
So the simple act of planning that Disney trip, for example,
probably brought Steve joy from months before the trip happened.

Speaker 3 (19:26):
Absolutely.

Speaker 10 (19:27):
Harvard's psychologist, doctor Daniel Gilbert calls this anticipatory joy and
explains that thinking about future fun activities activates the brain's
happiness centers.

Speaker 9 (19:39):
That's why we encourage clients not just to plan for
the big things financially, but to schedule small experiences regularly
a dinner with friends, a weekend getaway, or tickets to
a show.

Speaker 10 (19:49):
Because those plans extend the joy over time and help
keep life rich and meaningful.

Speaker 9 (19:56):
Before we take a quick break, I want to underline
one more point from Harvard's famous Study of Adult Development,
which has been tracking people's happiness for over eighty years.

Speaker 10 (20:06):
The study found that close relationships are the biggest predictor
of long term happiness.

Speaker 9 (20:12):
That's why financial planning isn't just about dollars and cents.
It's about creating space literally and figuratively to nurture your
relationships and enjoy life.

Speaker 10 (20:22):
When you know your money is being managed and your
income is steady, you can focus on what truly matters.
Time with loved ones, making memories, and living life to
the fullest extent.

Speaker 9 (20:33):
All Right, Greg, let's take a short break. When we
come back, will dive deeper into how our planning process
helps you turn these ideas into reil confidence and how
you can start your.

Speaker 3 (20:45):
Own safe money strategy today.

Speaker 1 (20:51):
Kelly Financial Services eight hundred, eighteen eighty one. I believe
that this nation should commit it so achieving the.

Speaker 9 (20:59):
Goal of landing a man on the moon and returning
him safely to the Earth.

Speaker 7 (21:05):
Six five four three two one zero all engine.

Speaker 1 (21:12):
Run, look God, look good.

Speaker 6 (21:15):
On a follow up, remember those Apollo Moon missions one
of America's greatest adventures and achievements too. The nation set
a goal and then realized it. What are your goals?
At Kelly Financial Services, We've got the right team and
technology to help launch your retirement planning. Let us help

(21:35):
you set and reach your goals for your greatest adventure
and achievement. Call us at eight eight eight eight hundred
and eighteen eighty one or visit us at Kelly Financial
dot org. Where do you want to land? Were tanglality
paper land? We are Kelly Financial Services. Come retire with us.

Speaker 1 (21:56):
He's a money wrap with Kelly Financial Advisors Greg Murray
and Mary Madeline Kelly.

Speaker 11 (22:03):
Good morning, this is Greg Murray, senior vice president and
chief Compliance officer at Kelly Financial Services. Join me today
is Mary Madeline Kelly, one of our wealth advisors. How
are you doing today?

Speaker 12 (22:13):
Good morning, Greg, I am doing well. Thank you for asking.
This summer is quite literally flying by. I cannot believe
July is already over. I have my race tomorrow, so
I am definitely excited to not have to coordinate my
free time around training for that anymore.

Speaker 3 (22:28):
So do you have any fun plans coming up tonight?

Speaker 11 (22:31):
I'll actually be heading to Vermont for surprise birthday adventure
for Diane. I'm not going to go into specifics just
in case she's listening to us today, but hopefully it'll
be a hoot.

Speaker 12 (22:39):
From the sounds of it, I know she's going to
love it and you both will have a blast.

Speaker 4 (22:44):
You know.

Speaker 12 (22:44):
Today's topic is one of my favorites because it's so
simple and yet so powerful. We're talking about why investing
early and often is one of the most important decisions
you can make for your financial future.

Speaker 11 (22:56):
That's right, and this message isn't just for people in
their twenties or thirties, for everyone, because whether you're just
getting started or helping a child, a grandchild think about
their financial life. The concept of investing early and doing
it consistently is a total game changer.

Speaker 12 (23:10):
Let's start with the big reason why this works so well,
compound growth. When you invest early, your money has more
time to grow, and it doesn't just grow once it
grows on itself. That's what compound interest is, earning interest
on your interest.

Speaker 11 (23:24):
Here's a simple example. If a twenty five year old
invests two hundred dollars on a monthly basis and earns
an average of seven percent annually, by age sixty five,
they'd have over five hundred thousand dollars. But if they
waited just ten years and start at thirty five investing
the same amount, they'd end up with only about two
hundred and forty five thousand. That's less than half just
because of a ten year delay.

Speaker 12 (23:45):
And that's without ever increasing the contribution. Imagine if you
slowly increase your contributions as your income grows. That snowball
effect is what makes long term investing so powerful.

Speaker 3 (23:55):
Now, let's talk about the often part.

Speaker 11 (23:57):
Investing early is step one, but investing regularly is what
keeps the momentum going. That's where dollar cost averaging comes
in dollar cost.

Speaker 12 (24:04):
Averaging just means putting money into the market on a
consistent basis, like monthly or bi weekly, regardless of whether
the market is up or down. It takes the emotion
out of the equation and lets you buy more shares
when prices are low and fewer when prices are high.

Speaker 11 (24:18):
It's a great way to build wealth without trying to
time the market. And let's be honest, no one gets
market timing right. Regular investing helps you stay disciplined and
keeps moving forward no matter what's going on in the headlines.

Speaker 12 (24:29):
And I think that's where people get tripped up. They
say I'll wait until things settle down, or I want
to invest when the market's better. But the truth is
waiting on the sidelines is often the biggest cost of all.

Speaker 11 (24:40):
The longer your money sits uninvested, the more growth potential
you miss, and you don't have to start big. Even
small amounts invested early and often can add up to
a life changing difference over time.

Speaker 12 (24:50):
Another great point is that investing early gives you flexibility later.
If you build wealth slowly and steadily, you're not scrambling
to catch up in your fifties or sixties. You have
options retire early, travel more, work less, or even just
to help your family.

Speaker 3 (25:04):
It also helps us stress.

Speaker 11 (25:05):
People who invest early and often tend to feel more
confident about their future. They know they're building something, even
if it doesn't feel exciting day to day.

Speaker 12 (25:13):
And I want to add this, it isn't just about retirement.
This approach works for any goal, buying a home, building
a college fund, creating generational wealth. It's about building habits
that pay off.

Speaker 3 (25:24):
In the long run.

Speaker 11 (25:25):
So if you're listening and wondering if it's too late
to start, it's not. The best time to start was yesterday,
the second best time today, and the best way to
stick with it. Automate it, set up monthly contributions, and
let time do the heavy lifting.

Speaker 12 (25:37):
So let's recap for our listeners. Start as early as
you can. Time is your best asset. Invest regularly, even
if it's a small amount. Don't try to time the market.
Consistency beats perfection. Let compound growth work in your favor.
Review your plan annually, and increase contributions when you can.

Speaker 11 (25:53):
And if you're not sure how to get started or
how much you can realistically afford to invest, this is
exactly what we help people every day.

Speaker 12 (26:00):
Absolutely, whether you're in your twenties, forties, or sixties, it's
never too early or too late to build a strategy
that works for you.

Speaker 3 (26:08):
What did Bill Kelly? I always say?

Speaker 11 (26:09):
When is the best time to plan a tree? Twenty
years ago? When's the next best time?

Speaker 3 (26:13):
Today? Can't forget it.

Speaker 12 (26:14):
Well, that's all for today, So thanks for listening and
reach out if you want some more insight on the
importance of investing early and often.

Speaker 3 (26:21):
Good luck on you raised tomorrow. Thanks Greg, and enjoy
the weekend with Diane.

Speaker 1 (26:25):
And to get in touch with Greg Murray or Mary,
Madeline Kelly or any member of the Kelly Financial team,
call at eight eight hundred eighteen eighty one.

Speaker 6 (26:39):
I'm John Boudris and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly? Today we'll address fact from fiction.

Speaker 7 (26:50):
You can always make money if you haven't if you
lose it all, it's very difficult to do that. So
you have to have a plan. If the market goes
up quite a bit or down quite a bit, you
have to be ready. And how do you sort fact
from fiction?

Speaker 6 (27:03):
Download Kelly Financial's consumer Guide simply called the Value of
an objective opinion. With so much ed steak with your
retirement future, you don't just want any financial advice, but
objective financial advice, and as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org

(27:26):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.

Speaker 7 (27:30):
Ladies and gentlemen, sort fact from fiction.

Speaker 6 (27:33):
We are Kelly Financial Services.

Speaker 1 (27:35):
Come retire with us safe money strategies with William Kelly
and Kelly Kelly. Call the team on A eight eight
hundred eighteen eighty one.

Speaker 3 (27:50):
That good morning.

Speaker 2 (27:54):
I'm William Kelly, and I'm back with someone who not
only leads our firm, but also leads our family, My mom,
Kelly Kelly. She's the CEO of Kelly Financial Services, and
she's with me again this morning.

Speaker 4 (28:05):
Hi, honey, good to be back, and good morning to
all of our WRKO listeners. Has been a real joy
connecting with so many thoughtful people through this show. We've
been on the air for over two decades and these
Saturday mornings have become something really special.

Speaker 2 (28:24):
Yes, and this morning's conversation is definitely one of those.
You said something earlier this week that's been on my mind.
You were talking with a client who told you she
was more worried about her mind than her money.

Speaker 4 (28:34):
That's right, and it really struck me because while not
everyone says it out loud, I think a lot of
people quietly feel the same way.

Speaker 5 (28:45):
We do.

Speaker 4 (28:45):
Hear it from time to time, clients who say they've
been forgetting names more often, or walking into a room
and not remembering why. Others are caring for parents or
spouses with memory loss and they're wondering, could.

Speaker 5 (29:01):
This happen to me?

Speaker 2 (29:03):
And it's not just about aging, it's about staying sharp,
staying independent, and staying you. That's a powerful concern. Absolutely.
When people come to us for retirement planning, the focus
is often on financial security, and that's important, but we
quickly realize that what really matters to people is quality

(29:25):
of life. It's about protecting your sense of self and
brain health is at the heart of that. You've always
said wellness and wealth go hand in hand, and I
think our listeners appreciate that we talk about both sides
of retirement, the numbers and the lifestyle.

Speaker 4 (29:41):
Yes, we're not doctors, but we are students of longevity.

Speaker 5 (29:47):
We read, we ask questions, we.

Speaker 4 (29:50):
Listen, and we take a holistic view because these things
are connected. There's so much we can do to protect
our brain health, movement, hydration, staying mentally and socially active,
managing stress, and of course how we fuel our bodies.

Speaker 3 (30:10):
Right, because what we eat really matters.

Speaker 2 (30:12):
I've read what's good for the heart is good for
the brain, and that starts with nutrition.

Speaker 4 (30:17):
Yes, even simple changes like eating more leafy greens, colorful berries,
healthy fats like Omega three's can make a lasting difference.
Drinking enough water, cutting back on processed sugar, and I
would even take it a step further, try to minimize

(30:37):
process food altogether. If you can eliminate it even better,
but at the very least be mindful of how much
of it is actually creeping in.

Speaker 2 (30:48):
And then they're sleep. You always say that good sleep
is like housekeeping for the brain.

Speaker 4 (30:52):
It is when the brain resets and clears out waste.
It's a vital part of cognitive function. And I'll tell
you something else. I believe age is just a number.
I really mean that I've met people in their eighties
and nineties who are sharp as attack, and I've met
people in their fifties sixties who seem mentally checked out.

(31:17):
Is not just the year on your birth certificate. Is
how you treat yourself, how you care for your body
and mind, and how you stay engaged with life.

Speaker 2 (31:27):
That's true. Retirement shan never mean retreat. We always say,
don't just retire from something. Retire to something that says.
A purpose is huge.

Speaker 4 (31:36):
It really is. When you have something to look forward to,
whether it's a hobby of volunteer role, travel time with grandchildren,
or even just continuing to learn, it gives your brain
a reason to stay active. We've seen it with our
own clients. The ones who stay connected, who move, who laugh,

(32:00):
who learn, are often the ones who thrive.

Speaker 3 (32:04):
And connection really matters.

Speaker 2 (32:05):
When people stop working, they sometimes lose that daily interaction,
and loneliness can creep in. That isolation can impact brain
health just as much as a poor diet.

Speaker 4 (32:14):
Yes, and that's why we encourage people to stay socially active.
Whether it's your church group, a book club, a fitness class,
or even just regular phone calls with friends and family.
Every bit of interaction helps the brain craves connection.

Speaker 2 (32:35):
I think the message here is that no matter what
age you are, you can still take action. It's never
too eight and it's never too early either.

Speaker 5 (32:42):
Exactly.

Speaker 4 (32:43):
We've helped people in their forties and fifties prepare for retirement,
and we've worked with people well into their eighties who
want to strengthen their financial plan and their lifestyle. Every
stage brings opportunity.

Speaker 2 (32:58):
So if you've been thinking about bringin health, or maybe
you're helping care for someone who's going through cognitive declient,
know that you're not alone and we're here to help
you think it through.

Speaker 4 (33:07):
Whether that's reviewing your retirement income strategy, preparing for future
care needs, or just creating a plan that supports your values,
We're happy to walk through it with you. Sometimes that
first step can lead to real peace.

Speaker 2 (33:24):
Of mind, and you don't have to figure it all
out by yourself. You can email us at Kelly at
Kellyfinancial dot org or give us a call, no pressure,
just a thoughtful conversation.

Speaker 4 (33:34):
We've helped thousands of individuals and families prepare for retirement
with confidence. Because true financial security isn't just about what
you have, It's about how you live and how well
you protect what matters most.

Speaker 2 (33:49):
We'll be back later in the hour with more on
this topic and some practical steps you can take right
now to support your long term brain health.

Speaker 5 (33:56):
You will not want to miss it. Stay with us.

Speaker 1 (34:02):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight at eight eight hundred eighteen eighty one or
visit Kelly Financial dot org.

Speaker 6 (34:12):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two 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. For a free
initial retirement consultation, call eight eight eight eight hundred eighteen

(34:35):
eighty one or email Kelly at Kelly Financial dot org.
We're Kelly Financial. Come retire with.

Speaker 1 (34:41):
Us Safe Money Strategies with William Kelly and Kelly Kelly.
Call the team on at eight eight hundred eighteen eighty one.

Speaker 2 (34:57):
Welcome back to Safe Money Strategies on WRL. I'm William
Kelly Junior, and I'm back again with someone who not
only leads our firm, but also leads our family.

Speaker 3 (35:05):
My mom, Kelly Kelly.

Speaker 2 (35:06):
She's the CEO of Kelly Financial Services, and she's with
me this morning.

Speaker 5 (35:10):
Hi Mom, Hello again, William.

Speaker 4 (35:12):
I always look forward to our conversations, and thank you
for that warm introduction.

Speaker 2 (35:19):
Of course, in our first segment we talked about the
importance of lifelong learning, good nutrition, and lowering stress to
support brain health in retirement. And now we're diving into
a few more habits that really matter, like sleep, daily routines,
and social connection.

Speaker 5 (35:33):
That's right.

Speaker 4 (35:34):
These are often overlooked, but they make such a difference
because all of these things affect not just our physical health,
but also how clearly we think and how confidently we
make financial decisions as we age.

Speaker 3 (35:50):
Let's start with sleep. I think sleep is totally underrated.

Speaker 2 (35:53):
People treat it like downtime, but it's actually when the
brain does a lot of its most important work right exactly.

Speaker 4 (36:00):
Sleep is when the brain clears out toxins, processes emotions,
and files away memories. It's like overnight housekeeping for your mind.
And when we don't get enough sleep, or when our
sleep patterns are inconsistent, it can cloud our thinking, it

(36:20):
can impact our mood and even interfere with good judgment.

Speaker 2 (36:25):
And I know for retirees, their schedules sometimes get a
little loose. That can mess asleep too, right.

Speaker 4 (36:31):
It can when you don't have a regular wake up time, bedtime,
or even meal routine. It throws off your internal clock.
Having some structure, even without a nine to five job,
is so important for brain health and for overall wellness.

Speaker 2 (36:49):
So even in retirement, routines still matter absolutely.

Speaker 4 (36:53):
Sleep structure and rhythm support clarity, memory, and focus. They
help people feel grounded and capable, and that shows up
in their financial life too.

Speaker 3 (37:07):
Okay, let's shift gears a bet.

Speaker 2 (37:09):
One thing I've noticed is how many retirees mentioned feeling
lonely after leaving work, especially for people who were used
to being part of a team every day.

Speaker 4 (37:17):
Yes, and loneliness is one of the most dangerous things
for the brain. Social connection is like mental exercise. It
keeps people sharp, grounded, and emotionally balanced. It can even
reduce the risk of cognitive decline.

Speaker 2 (37:34):
So whether it's a weekly coffee with a friend or
joining a group or taking a class, it's not just
nice to have, it's essential.

Speaker 5 (37:40):
It is.

Speaker 4 (37:41):
Studies show that retirees with active social lives have slower
rates of memory decline.

Speaker 5 (37:48):
Staying connected really does protect your brain.

Speaker 4 (37:51):
It creates purpose and helps people stay more engaged with
their finances too.

Speaker 2 (37:57):
It makes sense and also ties in the financial confidence right.

Speaker 5 (38:01):
It does.

Speaker 4 (38:02):
When people feel supported by family, by their community, or
by a good advisor, they're more likely to ask questions,
stick to their plan, and feel in control of their
financial life.

Speaker 2 (38:16):
So having a team around you helps you stay clear
headed and confident.

Speaker 4 (38:20):
Yes, we see it all the time. When someone knows
they're not alone, they make better, less stressful decisions. It's
like having a safety net, and that reduces anxiety, especially
during times of transition.

Speaker 2 (38:36):
Earlier we talked about learning new things. I want to
circle back to that because it's not just about staying
mentally active. It actually builds something important, right, Yes, cognitive reserve.
That's your brain's backup system when you learn new and
challenging things, especially later in life. It helps delay cognitive

(38:56):
decline and can even slow the onset of diseases like dementia.
So learning to budget, to invest, or even understanding medicare
all of that helps your brain.

Speaker 5 (39:08):
It does.

Speaker 4 (39:08):
A Harvard study even found that people with stronger financial
literacy have better long term decision making and resilience. Unfortunately,
when memories start slipping money management is often one of
the first things to suffer. That's why early planning is
so critical.

Speaker 2 (39:29):
So what should someone do if they or loved ones
start noticing memory issues.

Speaker 4 (39:33):
That's the time to bring in family and a trusted advisor.
At Kelly Financial we help simplify things, organizing accounts, automating bills,
and creating a safety net that reduces stress and minimizes mistakes.

Speaker 3 (39:51):
It sounds like part of it is managing.

Speaker 4 (39:52):
Risk, yes, but also preserving dignity. We work with families
to set up powers of attorney, designate trusted contacts, and
create systems that let someone stay independent as long as possible.
It's about protecting not just the money, but the person.

Speaker 2 (40:11):
So the earlier someone gets those plans in place, the better.

Speaker 4 (40:14):
Always planning ahead gives you options, confidence and peace of mind,
and it gives your loved ones clarity too, which is
a real gift.

Speaker 3 (40:25):
And we've got a free guide that can help with us.

Speaker 4 (40:27):
Right we do is called Don't let Healthcare Expenses derail
your retirement. It breaks down what Medicare does and doesn't cover.
It also explains how inflation is driving up the cost
of dental care, vision long term care and chronic illness
more than any other retirement expense, so.

Speaker 3 (40:48):
It's not just informative.

Speaker 2 (40:50):
It helps people prepare before those bills start showing up exactly.

Speaker 4 (40:54):
It includes planning tips, important stats, and practical advice you
can use right now. We want you to feel empowered,
not overwhelmed.

Speaker 2 (41:05):
If you want to protect both your health and your finances,
this guide is a great first step. To get your
copy and schedule a complimentary appointment with a Kelly Financial advisor.
Just call eight eight eight eight hundred and one eighty
one or email Kelly at Kellyfinancial dot.

Speaker 4 (41:18):
Org and we'll be back next week with more thoughtful
conversations about how to protect your money and your future.

Speaker 2 (41:26):
You're listening to Safe Money Strategies right here on WRKO
and streaming on the Iheard app. Thanks for spending your
Saturday morning with us.

Speaker 4 (41:35):
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.

Speaker 3 (41:55):
For the book.

Speaker 4 (41:55):
Call eight eight eight eight hundred eighteen eighty one or
email Kelly at Kellifinancial dot org.

Speaker 5 (42:01):
We're Kelly Financial. Come retire with us.

Speaker 9 (42:05):
Welcome back to safe money strategies. I'm like Ducett in
here with me is Greg Workman. If you just joined us.
We were talking about how experiences bring lasting happiness more
than material things, and how planning for retirement isn't just
about the money. It's about creating space for those joyful experiences.

Speaker 3 (42:24):
Right Mike.

Speaker 10 (42:25):
We also shared the story of our clients, Steve, a
hard working, steady saver who planned carefully and is now
enjoying retirement with his family, including an unforgettable Disney World
trip with his grandchildren.

Speaker 9 (42:38):
Steve's story really illustrates how smart planning creates confidence, and
that's exactly what we want for everyone we work with.
But let's be honest, retirement planning can feel overwhelming. People
often say I don't know where to start, or what
if I make the wrong decisions? Will I run out
of money if I spend on things I enjoy?

Speaker 3 (42:59):
Those are all very common concerns.

Speaker 10 (43:02):
That's why here at Kelly Financial, our approach isn't just
about investing it all starts with a detailed cash flow analysis.

Speaker 3 (43:10):
Let's break that down.

Speaker 9 (43:12):
Cash flow analysis means we map out everything you expect
to spend in everything you expect to receive month by month,
year by year exactly.

Speaker 10 (43:21):
We look at your income sources like social security, pensions, investments,
and even part time work if you have it. Then
we tally your expenses, housing, healthcare, food, utilities, and also
the things that bring you joy, like travel or hobbies.

Speaker 9 (43:37):
What's powerful is this gives you a clear picture of
your financial future. You see exactly when and how much
money will come in and how far it will go.

Speaker 10 (43:47):
The process takes the guesswork out of retirement, turning uncertainty
into a plan you can trust.

Speaker 9 (43:54):
And this is where our workbook, Safe Money Strategies really shines.
It's designed to help you gather the information we need
to build that plan. It guides you through the questions
you might not have thought to ask yourself, like how
much do I actually spend each month? What big expenses
might come up, what kind of lifestyle do I want

(44:14):
to maintain?

Speaker 10 (44:15):
And once the workbook is complete, we sit down together
and customize your plan based on your goals, your resources,
and your comfort level with risk.

Speaker 9 (44:25):
One of the most rewarding parts of our job is
watching clients go from stress and uncertain to calm and confident.

Speaker 3 (44:32):
It's like a weight lifts off their shoulders.

Speaker 10 (44:34):
We often hear I feel like I finally have permission
to enjoy my money.

Speaker 9 (44:39):
And that permission is so important because it encourages people
to do things that enrich their lives, like taking trips,
spending on hobbies, or even giving gifts to family without
the nagging warry.

Speaker 10 (44:51):
Back to that anticipatory joy. When you plan and budget
for big experiences, the happiness starts well before the event.
You can look forward to something special knowing it fits
comfortably within your financial plan.

Speaker 9 (45:05):
And that joy builds community, strengthens relationships, and ads meaning
all things Harvard says are key to long term happiness.

Speaker 10 (45:14):
Another thing we focus on is sustainable withdrawal strategies. That's
just a fancy term for making sure your investments provide steady,
predictable income without depleting your nest egg too quickly.

Speaker 9 (45:27):
Right, nobody wants to run out of money in their
seventies or eighties, so we run detailed scenarios including market downturns, inflation,
healthcare expenses and other surprises to build a plan that's durable.

Speaker 10 (45:41):
This planning also helps you decide when to take Social
Security to maximize benefits, how to manage required minimum distributions
are rmds from retirement accounts, and whether annuities or other
guaranteed income products may make sense for you.

Speaker 9 (45:57):
It's a holistic process, and it all charts with honest
conversations and a simple step getting the workbook, filling it
out and scheduling that initial consultation.

Speaker 10 (46:07):
We want every listener to feel empowered to take that
first step, no matter where they are in their retirement journey.

Speaker 9 (46:14):
If you're wondering is this right for me, the answer
is yes. Whether you're just starting to save, naring retirement
or already retired and concerned about longevity, this process can help.

Speaker 10 (46:26):
And remember there's no obligation. It's about education and peace
of mind.

Speaker 9 (46:31):
That's why we encourage you to contact us for a
complementary consultation and request your free Safe Money Strategies workbook.

Speaker 10 (46:39):
Contact our office today at eight eight eight eight hundred
eighteen eighty one or visit us online at Kellyfinancial dot org.

Speaker 9 (46:50):
Take that first step toward a retirement where you can
focus on experiences, the trips, the family moments, the simple joys.

Speaker 3 (46:58):
Knowing your money is working for you.

Speaker 10 (47:00):
Thank you for turning into safe money strategies. With that,
I'm Greg Workman.

Speaker 3 (47:04):
And I'm like you said, We'll see you next time.

Speaker 9 (47:07):
Until then, enjoy planning and more importantly, living your best retirement.

Speaker 8 (47:17):
Joining us now as she always does at this time,
the co founder, CEO president of Kelly Financial Services, and
yes that is her wonderful name, Kelly, Kelly Kelly, how are.

Speaker 5 (47:36):
You, good morning, Jeff, I am good.

Speaker 13 (47:40):
A strong mind is one of your greatest assets in retirement,
but nothing drains your focus faster than financial stress, especially healthcare.
Many people don't realize how much Medicare does not cover,
from out of pocket costs to long term care. Medical
expenses can quickly become overwhelming, and that stress impacts your

(48:05):
cognitive health. That's why we created our free guide. Don't
let healthcare expenses derail your retirement. It shows you what
to expect, what to plan for, and how to protect
your finances so your mind stays clear and focused on
what truly matters.

Speaker 5 (48:24):
The better your plan, the more peace of mind you'll have.

Speaker 13 (48:28):
To get the free guide or to speak with one
of our Kelly advisors.

Speaker 5 (48:32):
Give us a call or.

Speaker 13 (48:33):
Email Kelly at Kellyfinancial dot org. Jeff, have a wonderful weekend,
My best, Grace, Indi, kiddos.

Speaker 8 (48:41):
Thank you, Kelly, all the best to you and everyone
at Kelly Financial. To get a free copy of that guide,
and I urge all of you if you can do
get it call now eight eighty eight hundred, eighteen eighty
one eight eighty eight hundred, eighteen eighty one, or you
can actually email Kelly herself personally Kelly at Kellyfinancial dot org.

Speaker 3 (49:05):
That's Kelly at Kelly Financial dot org.

Speaker 1 (49:15):
Safe Money Strategies at eight eight hundred one, eight eight one.

Speaker 4 (49:23):
Before we wrap up this morning, we want to share
a few timeless words from Bill Kelly, my late husband
and the co founder of Kelly Financial Services, a voice
still cherished by so many of our longtime listeners. In
this segment, Bill reflects on trust, simpler times, in the

(49:44):
power of lasting relationships. It's a personal, powerful reminder that
in a world this always changing, some.

Speaker 5 (49:53):
Values are meant to stay the same.

Speaker 7 (49:58):
Welcome, ladies and gentlemen, and it's great to be back
with you again this week. Who do you trust well?
You trust your partner, you trust your husband, you trust
your wife, you'd probably trust your children. Back in our day,
the banker was the same man year after year. The
bank was Hospital Trust. The man's name was mister Finnity,

(50:21):
and I knew him from when I was a small
child until I was in the Air Force a technology
institute out in Denver in my twenties, I still knew
who to call at Hospital Trust bank. His name was
mister Finnity and he was the vice president then when
I first knew him when I was five years old.

(50:42):
He might have been a loan officer. I'm not sure,
but we knew who he was and he helped our
family and he was a great man in my opinion.
But back then, bankers did banking insurance. The insurance man
came to the house. He did our insurance. And if
we walked down onto Bellevue Avenue, we could walk into

(51:03):
a real live stockbroker's office and we could sit on
the bench with very wealthy men and women, and we
could watch a real ticker tape. How did that work?
It was a paper punch tape that went through a
machine that shined light from behind. It and broadcast the
ticker tape on the wall on a screen. It was

(51:24):
a true ticker tape. Those three people, the insurance man,
the banker whom we don't know now. We don't even
know what the name of our bank's going to be
in the morning, never mind having the same banker and
the stockbroker now are basically the same person. Because everyone
wanted to get in on the act. In my town,

(51:45):
there used to be a store where you would bring
a television tuner. It was a dial that you turned
on the television to change the station. We used to
call him, and there was a man his job was
to fix those things, television tuners. We had one television
from age when I was three. I can remember television

(52:05):
at two. We had the same television until I was
almost ten, Black Zenith. It was huge, ladies and gentlemen.
We had this same television repair man. He would come in.
He had a truck and he would bring a machine in,
test the tubes, change the tubes, put the back on

(52:26):
the TV, and out he would go. We get our
second TV in nineteen sixty one, and I think the
next television we got was nineteen sixty five. It was
a Sears color TV Hella Loujah. It sat in a
giant console. It was beautiful and we could watch Bonanza

(52:47):
in color. But all through those years we had the
same television repair man, and it was fourteen dollars a year,
and that TV was fixed whenever it was broken or
stays were when they had to take that thing back
to the shop. Heaven only knew when you were going
to get that TV back. So we had the same

(53:08):
person doing that. We had the same toaster my whole life,
the same toaster ladies and gentlemen. We had the same
mixer from when I was a child to when I
left for the service. Things didn't change much. Same teapot
my entire life. Until I was fifty. When I went
to my folks house, the teapot would be there. So

(53:33):
things are much different now. We had probably had three
different vacuums my entire life. Now they come and go.
It's amazing what happens. It's a throwaway society. Trying to
get a hold of people. Contact is vital. It's difficult,
so you have to be careful. You have to be

(53:54):
careful and you have to find out what's important to you,
what's important to you about having enough money, ladies and gentlemen,
what's important to you about not having to be a
dependent on the state. What's important to you about being
able to leave a lasting legacy for your children? My
son we read a book every day at night. It's

(54:17):
called Mike Mulligan and his Steam Shovel, and Mike Mulligan's
steam shovel was named Mary Anne. Believe it or not.
The book is from the thirties. It's a very short book.
But Mike Mulligan and Marianne would travel around the country
and they would dig highways and canals, basements of buildings
and things like that. But when people watched them. The

(54:40):
one thing about Mike Mulligan and Marianne, if people gathered
around to watch them work, they'd work a little faster
and a little better. And I think that's true about
anyone in any industry. If you're monitoring what's happening, then
things might happen a little better and a little faster.
For you can do that.

Speaker 1 (55:12):
We called Kelly Financial Services eight eight eight eight hundred,
eighteen eighty one.

Speaker 5 (55:18):
I'm Kelly Kelly from Kelly Financial.

Speaker 4 (55:20):
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 balanced portfolio. For the guide, call eight
eight eight eight hundred eighteen eighty one or email Kelly

(55:42):
at Kellyfinancial dot org.

Speaker 5 (55:44):
We're Kelly Financial. Come retire with us.

Speaker 1 (55:48):
Safe money strategies with William Kelly and Kelly Kelly. Go
to Kelly Financial dot org.

Speaker 6 (55:58):
The news break is coming up, and during the 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 maybe

(56:19):
helping out with your grandchildren's college. See a 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.

(56:41):
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, we see you
next week.

Speaker 10 (56:58):
All opinions expressed by the host, his guests, or employees
of Kelly Financial Services are solely their own and do
not reflect the opinions of Kelly Financial Services.

Speaker 6 (57:05):
Information has been obtained from sources deemed to be reliable,
but their accuracy and completeness cannot be guaranteed. The information
provided as general in nature and is not intended to
be specific investment, tax or legal advice. It is always
advisable to consult a professional before making a financial decision.
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 waif the host's advisory fee in

(57:26):
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 the
material conflict of interest