Kelly Financial: Saturday, December 13, 2025

See omnystudio.com/listener for privacy information.

Episode Transcript

Speaker 1 (00:12):
It 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. Since our show has remained a Saturday morning staple,

(01:02):
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. Where fiduciary care and our family
first philosophy guides us on safe money strategies. You'll hear
candid conversations with the team my mother Kelly, myself, advisors

(01:26):
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 or get our free guides or schedule a consultation,
visit Kelly Financial dot org or call us at eighty

(01:49):
eight eight eight hundred one eight eight one.

Speaker 1 (01:51):
This is Safe Money Strategies.

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

Speaker 3 (02:02):
Safe Money Strategies with William Kelly and Kelly Kelly eight
eight hundred eighteen eighty one.

Speaker 4 (02:12):
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
is where I sit down with my son William Kelly Junior,
and we talk about life, what's going on in the world,

(02:32):
and our family and what really matters most When you're
planning for the future. Sometimes as light, sometimes as thoughtful,
but as always real. Good morning, William. How are you?

Speaker 1 (02:44):
I'm great, Mom, How are you?

Speaker 4 (02:45):
I'm doing absolutely great.

Speaker 1 (02:47):
Absolutely great. Wow.

Speaker 2 (02:48):
Yeah, that's good to hear. So Poppy, Carter and Tye
are on their way to us. I've had a slave
away in the house make sure everything was right and ready.

Speaker 4 (02:58):
Oh stop.

Speaker 2 (03:00):
I felt like Cinderella a little bit, you know, the
evil stepsisters.

Speaker 4 (03:04):
Oh you were making all this.

Speaker 2 (03:06):
I made her work so hard, and yeah, I just
you know, ladies and gentlemen, this is my only outlet
to complain, and I just had to let it out.

Speaker 1 (03:14):
So you know, I'm grateful that I was able to
work so hard.

Speaker 4 (03:18):
And if I had a violin right now, you are
such a jokester, William.

Speaker 1 (03:27):
Well, I'm happy the family's coming. This is big, especially Poppy.
This is huge. And he's going to stay no for
quite a while.

Speaker 2 (03:35):
And earlier we were talking about an impulse buy that
you bought for Poppy and you're you haven't told me yet.

Speaker 1 (03:43):
We're gonna wait for the show.

Speaker 2 (03:45):
And so here we are, and I want to hear
exactly what it is that you've got.

Speaker 4 (03:48):
There have been no impulse spies.

Speaker 1 (03:50):
This is mom's excuse every single time.

Speaker 2 (03:53):
So first we get like a walking assistant, so you
can use the restroom a little bit easier and you
can stand up, and then there's this massage chair that
helps you stand up.

Speaker 4 (04:03):
That was definitely no impulse by. The other one was
not an impulse.

Speaker 2 (04:07):
So we're on two impulse bis. Now we're on the
third one, and I would like to hear.

Speaker 4 (04:10):
What he has no idea. This one is a little
bit of an impulse by. I will admit that this one.
The other two were not.

Speaker 1 (04:18):
You know, it's bad if she's emitting it a little bit. Yeah,
I want to hear it.

Speaker 4 (04:22):
So what do you think it could be?

Speaker 2 (04:26):
Something related to relaxation is going to be my guess.
I don't know if that's accurate. It could be inaccurate.
Maybe TV related. I know Poppy Love's watching TV, loves NCIS,
he loves watching Georgia play football, go dogs, and just
like you know, he doesn't need to worry about anything anymore.
He's retired now, you know, So what is it? I'm curious?

Speaker 4 (04:50):
Okay, So while he is watching the Georgia Bulldogs or
one of his programs on TV, he can use his
new electric leg exercise or as scene on TV for seniors. Wow,
what do you think about that?

Speaker 5 (05:09):
Yeah?

Speaker 4 (05:09):
It has great reviews and a lot of them.

Speaker 1 (05:12):
What does it do? It's elliptical, it's.

Speaker 4 (05:15):
Under the desk, elliptic. It can be like under a desk.

Speaker 1 (05:19):
It's so elliptical machine for you or does he have
to do?

Speaker 4 (05:22):
It has a remote control. I think maybe you you
and Mary mad One may like it. I may like it.
I don't know. Twelve adjustable speeds really Yeah, it's also
for the home office.

Speaker 1 (05:37):
Interesting.

Speaker 4 (05:38):
Yeah, well, so what do you think do you think
you'll like this gift?

Speaker 1 (05:40):
I think I think he will.

Speaker 2 (05:42):
I think it'll it'll you know, kind of like bring
blood flow to his legs while he's sitting, you know
what I mean.

Speaker 1 (05:47):
Yeah, So that's good.

Speaker 4 (05:48):
Agree, it's like a new one. It's elliptical.

Speaker 1 (05:52):
That's good.

Speaker 2 (05:52):
We're upgrade in the house. I can I can use
a walker to stand up on the toilet. That's awesome.

Speaker 4 (05:58):
Well, we do have a couple a low rider toilet.
So I wanted we do you know me? No, I
know I have to accommodate. But you faked Mary Madaline
and I out.

Speaker 1 (06:08):
Yes I did.

Speaker 4 (06:09):
I had William install them.

Speaker 2 (06:12):
Yeah, so literally, they're just imagine them as normal walkers,
just with suction cups on the bottom. And I wanted
to freak everybody out. And Murray Madaline was like, wait,
so you got these these things? And I said, our
house is turning into like, you know.

Speaker 1 (06:25):
An elderly home.

Speaker 2 (06:27):
Oh, And I said, uh, Murray Madeline, I had to
install it in your bathroom, had to drill it to
the wall as part of the instructions.

Speaker 1 (06:34):
And Mom and Maury Madaline were freaking.

Speaker 4 (06:36):
Out there, and I went for it line and sinker.
I'm thinking, I thought it was portable, and I thought
there was like a suction like on the on the bottom.

Speaker 1 (06:47):
It was mostly it wasn't to you as mostly to MM.

Speaker 2 (06:51):
Because Murray Madalin, though she is a grown woman, lives
in her own place, this house is still like her house.
If you touch her room, it's over. If you touch
her bathroom, it's over. She comes here maybe once a
week or once every two weeks.

Speaker 4 (07:06):
I'm glad. I'm glad she likes coming home.

Speaker 2 (07:09):
And it's like, if you touch anything, if her bed
is messed up, if anything.

Speaker 1 (07:13):
It's like, you know, count your days, it's over.

Speaker 2 (07:16):
So I just wanted to give her a little guff
she fell for and then I was like, no, it's
just a normal walker.

Speaker 4 (07:22):
Yeah, they're actually really cool. They are, and they were
very well priced.

Speaker 2 (07:26):
Oh yeah, super easy to set up, like I didn't
even have to look at the directions.

Speaker 4 (07:29):
It was super easy. So these are some basic things
I got him. One other thing, the no I told
you about this one, the ug bedroom shoes.

Speaker 1 (07:38):
Hey you forgot about that.

Speaker 4 (07:39):
Yeah they look they look nice.

Speaker 1 (07:41):
Ugs are comfortable, they're really soft.

Speaker 4 (07:43):
Yeah.

Speaker 1 (07:44):
So there's that. And let's see, I've been signing books
that were mailing out.

Speaker 4 (07:48):
Yes you have, so you like orders maailed out a ton,
Yeah we have.

Speaker 2 (07:52):
I got to send one to my friend Johnny, to
my friend Ronnie, to a lot of the people that
ask questions on the a lot of clients, all the
contributors on there, they got the nurse I owe Mica copy, Charlie,
Greg Workman, a lot of folks.

Speaker 1 (08:07):
Mur Mury has his. That's right. So I'm just signed it.

Speaker 4 (08:11):
At the toy drive I did Burlington, which was a
hit success. That was a lot of what wonderful clients
we have. We had so much fun talking, oh yeah,
and sharing and everyone who was there was so generous.

Speaker 1 (08:26):
Oh yeah, they brought a lot of toys.

Speaker 4 (08:28):
They really took it serious.

Speaker 2 (08:30):
There was this one client I'm not going to say
her name, but she knows who she is if she's
listening right now. And we were having a great conversation
and she is so thoughtful about her gifts. She was like,
I love shopping for the little kids, so much fun
shopping for others. She's like, gifts and Christmas are great
at all, but honestly, the better thing about Christmas is
going and giving, she said. So she said, you know,

(08:53):
I got this whole wooden train set. You can build
it in all sorts of ways. It was the coolest
train set. And in the back of my head, I
was like if I was four years old and I
got this ib ecstatic. And she has all these building
blocks stuff, and then she has like this teapot kit
and this beach kit and it's just like perfect toys
for kids. Just honestly, I'm a little jealous of these
children and this this client, again, she knows who she is,

(09:18):
super thoughtful, and I really, honestly I love that about people,
you know what I mean.

Speaker 1 (09:23):
Yeah, I just thought that was really admirable.

Speaker 2 (09:25):
I wanted to share that, and same with all the
other folks who brought gifts. They really they brought some
great gifts. Honestly, it's going to be a great Christmas.
This is really going to help the toy drive out
big time.

Speaker 6 (09:34):
I know.

Speaker 1 (09:34):
I like that we do this. I'm happy. It's a
yearly thing now.

Speaker 2 (09:38):
Obviously, ladies and gentlemen, it's not over, you know what
I mean.

Speaker 1 (09:42):
Absolutely, bring toys, keep it coming.

Speaker 2 (09:44):
Yeah, it's just we have a Christmas tree at both
offices and whenever you drop off a toy, we put
under the Christmas tree, I know the one and bring.

Speaker 4 (09:52):
And you'll get a gift back. Same gift back, Yes.

Speaker 1 (09:55):
With my book in it, I believe.

Speaker 4 (09:56):
Yes, Yes, send a couple of other things.

Speaker 5 (09:58):
In there, that's true, so that you'll get something in
return as well. And maybe a hug I got too,
of course, that's right. Do keep us on your dial.
We've got a lot of great content coming your way.
Mike do Set and Greg Workman.

Speaker 4 (10:11):
Will break down how AI is already embedded in your
retirement portfolio and why diversification matters more than ever. Mary
Madeline Kelly and Greg Murray will explain why adding a
trusted contact is one of the simplest and most important
ways to protect your finances, especially as we head into

(10:32):
a new year. William and I will be back and
we'll talk about balancing holiday traditions with inflation smart planning
so you can enjoy a meaningful Christmas without overspending and retirement.
And of course we'll close the hour with some wit
and wisdom from the late Bill Kelly. His words continue

(10:52):
to inspire and guide us. That's a wrap for forever young.
Thank you for listening, and William, thank you for joining us.
We'll be back with more content. I love you, honey,
I love you too, Mommy.

Speaker 7 (11:09):
Christmas is right around the corner. And if you're looking
for the perfect gift for a young person in your life.

Speaker 1 (11:15):
I've got it.

Speaker 7 (11:16):
It's a brand new book written by William Kelly Junior
from Kelly Financial Services, and it's called Only the Good
invest Young.

Speaker 1 (11:26):
This book is powerful.

Speaker 7 (11:28):
It gives teenagers, called to students, young adults the roadmap
they need to start saving, planning and investing the right way.
And I'll tell you even people my age, yes and
I'm fifty six, are reading it. William actually quotes me
the Kooner Man in the book. I'm in the book.

(11:48):
So you can grab your copy right now on Amazon.
Just search only the good invest Young, and if you're
part of Kooner Country you can get a copy absolutely free.
Just tell them the cooner Man sent you and call
eight eight eight eight hundred and eighteen eighty one or
email Kelly at Kellyfinancial dot org. Give a gift that

(12:11):
truly matters this Christmas, something that can change a young
person's future. Only the good invest.

Speaker 1 (12:18):
Young get it today. Welcome back to save money Strategies.
I'm like two, said chief operating Officer at Kelly Financial and.

Speaker 8 (12:28):
I'm Bred Workman, investment advisor Here at Kelly Financial Services.
Today we're tackling a topic that seems to pop up
in almost every meeting lately, Artificial intelligence or AI and
what it means for your retirement plan.

Speaker 1 (12:44):
Exactly right now. AI is everywhere. It's on the news,
on your phone, in your car, and yes, it's dominating
conversations in the investment world. We constantly hear should I
invest in AI? Or am I missing out on the
AI boom?

Speaker 8 (13:00):
Behind those questions is an emotional fear of missing out.
People see headlines about companies like Nvidia jumping two hundred percent,
three hundred percent, sometimes more. It's natural to wonder whether
you two should be piling it. But here's our position,
and it might surprise you. Most retirees are already heavily

(13:21):
exposed to AI, even if they've never intentionally invested in
an AI stock.

Speaker 1 (13:26):
That's the key point.

Speaker 8 (13:27):
AI isn't like biotech or energy or any other sector
where you can neatly.

Speaker 1 (13:33):
Draw a box around it.

Speaker 8 (13:35):
AI is now embedded across almost every industry.

Speaker 1 (13:39):
Look at your average diversified mutual fund or ETF. The
top holdings almost always include Apple, Microsoft, Amazon, Alphabet Meta.
Guess what. Every single one of these companies uses AI
deeply in their operations.

Speaker 8 (13:56):
Even companies you wouldn't immediately associate with TECH like Home Deep, Walmart,
John Deere Ups. Those companies are using AI for logistics, forecasting, automation,
and productivity enhancement.

Speaker 1 (14:09):
So when a client asked, should I invest in AI,
the truth is you already have. If you own a
well diversified portfolio of large cap stocks. Index funds are
balanced funds, AI exposure is built in.

Speaker 8 (14:23):
Now, that doesn't mean individual AI leaders are not exciting,
and Nvidia is a monster, AMD, Broadcom, super Micro. They've
all benefited from AI infrastructure spending.

Speaker 1 (14:35):
But most retirees aren't trying to swing for the fences.
They're trying to maintain steady income. They want to reduce volatility,
protect principle, and make sure the money lasts for thirty years.

Speaker 8 (14:47):
And that's where concentration risk becomes a problem. You don't
want your retirement dependent upon whether one single high octane
stock has a good core, bad quarter, goodyear, bad year.

Speaker 1 (15:02):
Look back at history Cisco in two thousand, Amazon in
two thousand and one, Intel in the early two thousands,
Tesla's wild swings Meta dropping seventy percent in one year.
Innovative companies can still be extremely volatile.

Speaker 8 (15:18):
You don't want to take that kind of roller coaster
ride with your retirement income.

Speaker 1 (15:23):
Let's bring in a real client example. We'll call them
Tom and Linda, both retired mid sixties. They came in
recently excited about AI investing.

Speaker 8 (15:32):
They'd seen the headlines, they saw Nvidia up hundreds of percent,
and they asked a classic question, are we missing out?

Speaker 1 (15:42):
We walked them through their actual portfolio, a broadly diversified
mix of US lodge cap funds, some mid and small caps.
They had international exposure, a high quality bond sleeve, dividend payers,
and alternatives for stability.

Speaker 8 (15:58):
When we drilled into their fundhold bildings, guess what we found.
Their large cap fund already had Microsoft as the number
one position, Apple always in a top three, Amazon, Google, Nvidia,
Broadcom in the top ten.

Speaker 1 (16:14):
Their portfolio had about twenty two percent exposure to companies
whose growth strategies are primarily driven by AI adoption and infrastructure.
That's a significant exposure without ever picking a single stock.
Tom and Linda laughed.

Speaker 8 (16:29):
They said, we didn't realize we were already AI investors.

Speaker 1 (16:34):
And more importantly, they were AI investors without the risk
of being overly concentrated in one stock. Please remember, individual
investment objectives, circumstances, and needs will vary. Individual securities mentioned
should not be construed as investment advice.

Speaker 8 (16:50):
There's no doubt AI is transformative, no question about it.
It's changing how companies forecast revenue, built products, analyze data,
how they market to consumers, how they manage supply chains,
and how they automate repetitive work.

Speaker 1 (17:09):
But here's the disconnect. We see AI is changing the
world faster than anyone expected, but that doesn't mean you
should radically change your retirement portfolio.

Speaker 8 (17:19):
Productivity booms do create long term economic benefits, but they
also create short term media.

Speaker 1 (17:27):
Think about the late nineteen nineties. The Internet was truly revolutionary,
but that didn't start many Internet stocks from losing eighty
to one hundred percent of their value when the bubble burst.

Speaker 8 (17:38):
That's why retirees need a balanced, disciplined approach. You want
to benefit from AI's long term influence without exposing yourself
to the volatility that often accompanies these transformational trends.

Speaker 1 (17:53):
The beauty of a diversified portfolio is that you get
the AI tailwind through hundreds of companies.

Speaker 8 (18:00):
Exactly, instead of betting on a single sector leader, you
own the chip makers, the cloud builders, the software innovators,
the data companies, the automation providers, and the traditional companies
using artificial intelligence to boost their profits.

Speaker 1 (18:16):
You get the potential for winners without having to predict
which companies will dominate five years from now.

Speaker 8 (18:23):
And meanwhile, the rest of your portfolio bonds, dividend stocks,
defensive equities. Those components help keep your volatility or the
ups and downs manageable.

Speaker 1 (18:33):
We always ask clients the sleep test. Could you sleep
at night if twenty five percent of your portfolio was
tied to a single stock, even if it's the next
big thing.

Speaker 8 (18:43):
Most retirees say no, and that's why we aim to
build portfolios that give you AI exposure without sacrificing stability.

Speaker 1 (18:53):
You don't have to choose between innovation and diversification. You
could have both, just in the propose portions designed to
work for your situation.

Speaker 8 (19:03):
When we come back, we're going to talk about how
AI influences market valuations, why diversification is more important in
the AI era than ever before, specific steps today's retirees
can take to build AI exposure in their investment portfolio responsibly.

(19:24):
And we'll wrap with another client story, someone who is
overexposed to AI without even realizing it, And.

Speaker 1 (19:32):
We'll share how to get your free copy of our
Safe Money Strategies Retirement workbook. Stick with us. We'll be
right back.

Speaker 3 (19:43):
Kelly Financial Services eight hundred eighteen eighty one.

Speaker 1 (19:49):
Hi, everyone, this is William Kelly.

Speaker 2 (19:51):
If you've ever wished you learn about money sooner, That's
why I wrote Only the Good invest You, a simple,
encouraging guide with real worlds steps anyone can follow. I
kept seeing the same thing people wishing someone had explained
the basics earlier. How to save, build good habits, avoid
costly mistakes, and create momentum even when you're starting small,

(20:14):
whether you're.

Speaker 1 (20:14):
Eighteen or eighty.

Speaker 2 (20:16):
This book is about confidence, clarity, and taking action. And
with the holidays coming up, only the good invest young
makes a great Christmas gift for a child, a grandchild,
or anyone who needs that nudge to start strong. For
our listeners, we're sending out complimentary copies.

Speaker 1 (20:32):
Just call eight eight eight eight.

Speaker 2 (20:33):
Hundred twenty one or email Kelly at Kellyfinancial dot org
and we'll send you one at no charge. You can
also purchase a softcover on Amazon or an ebook on Kindle.
I'm William Kelly, and I hope this book helps someone
you love take their first step.

Speaker 4 (20:48):
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 and

(21:10):
eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.

Speaker 3 (21:18):
And the Money Wrap with Kelly Financial Advisors Greg Murray
and Mary Madeline Kelly.

Speaker 9 (21:25):
Hello, 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.

Speaker 1 (21:34):
How are you doing today? I'm great, Greg.

Speaker 10 (21:36):
It feels like December is just flying by and everyone
is in that end of year mode, holiday events, getting
organized and checking things off the list. It's busy, but
it's a fun kind of busy.

Speaker 9 (21:48):
And the end of your mindset is a perfect time
to tie up some of those important financial loose ends,
the things that don't take long but can make a
big difference. And that brings us today's topic. Why adding
a trusted contact to your account is so important?

Speaker 10 (22:01):
Yes, and this is one of those things a lot
of people don't even realize that they need. A trusted
contact is simply someone you authorize your financial firm to
reach out to if there's ever a concern about your account,
especially if they can't reach you or something just doesn't
seem right exactly.

Speaker 9 (22:16):
And one of the biggest misunderstandings I'd like to clarify
is that a trusted contact does not have access to
your money. They can't make trades, they can't withdraw funds,
and they can't change your account. They're just the point
of contact, a safeguard.

Speaker 10 (22:28):
It's like adding an emergency contact, but for your finances.
If there's ever unusual activity, a missed R and D,
trouble reaching you, concerns about fraud, or signs of cognitive decline,
your advisor has someone you trust that they can.

Speaker 9 (22:42):
Speak to, and unfortunately, these situations do come up. We've
seen cases where someone becomes ill, loses a phone, has
an unexpected medical event, or even falls victim to a scam.
When we have a trusted contact on file, we can
intervene quickly and appropriately.

Speaker 10 (22:57):
Absolutely, and especially as people get older, this becomes really important.
The financial industry has a rise in elder financial abuse,
everything from scam calls to fake charities to online fraud.
Having a trusted contact can help spot something that doesn't
seem right before it becomes a major problem.

Speaker 9 (23:14):
It's also helpful in more routine situations. Let's say we
noticed a client hasn't taken their RMD and we can't
reach them. With a trust in contact, we can reach
out to someone you trust to just make sure they're
okay and avoid penalties.

Speaker 10 (23:26):
Or if there's a sudden change in your withdrawal plan,
or if someone tries to make an unusual transfer, it
gives us a second set of eyes to verify that
everything is legitimate and in your best interest.

Speaker 9 (23:37):
Another thing people might not realize is that regulators now
encourage firms as clients for a trusted contact. It's considered
a best practice for protecting investors, especially retirees.

Speaker 10 (23:47):
Yes, and it's totally voluntary, but highly recommended. You can
choose a child, a sibling, a close friend, or even
a professional like an attorney. The key is that it's
someone who knows you well and would act in your
best interest.

Speaker 9 (24:00):
In the best part, you can change your trusted contact
at any time if life circumstances change, maybe you want
to add someone new or remove someone.

Speaker 1 (24:07):
It's as simple as updating a.

Speaker 10 (24:09):
Form, and it only takes a minute, but that minute
could save you or your family from a huge financial
headache down the road. It's one of the easiest protections
you can put in place.

Speaker 9 (24:17):
So for our listeners here the main reasons adding a
trusted contact is important. They help protect you from fraud
and financial exploitation. They can be contacted if you're unreachable.
They help advisors verify in usual activity, They provide extra
support in emergencies or health related situations, and they have
no access to your money, only to communicate.

Speaker 10 (24:37):
Perfect summary, this is all about providing an extra layer
of security and giving yourself and your family more peace
of mind.

Speaker 9 (24:43):
Absolutely, at Kelly Financial, when the client adds a trust
in contact, it gives us the ability to step in
at the right time, not to interfere, but to protect.

Speaker 10 (24:51):
Because at the end of the day, financial planning isn't
just about growing your money, it's about safeguarding it and
making sure your wishes are respected well.

Speaker 9 (24:59):
Said Sophie. I haven't added a trust to contact to
your accounts yet. Now is a great time to do it,
especially as we wrap up the end of the year.
It's quick, it's simple, and it might be one of
the most important steps.

Speaker 1 (25:09):
You take this season.

Speaker 10 (25:10):
And of course, if you need help updating your accounts
or have questions about whom to choose, give us a call.
We're always here to help.

Speaker 9 (25:16):
Absolutely that's going to wrap things up. Thank you for
your time, Mary Madeline.

Speaker 1 (25:19):
You too, Greg, have a great weekend.

Speaker 3 (25:21):
To get in touch with Greg Murray or Mary Madeline
Kelly or any member of the Kelly Financial Team, call
eight eight eight hundred eighteen eighty one Safe Money Strategies
with William Kelly and Kelly Kelly. Call the team on
eight eight eight hundred eighteen eighty one.

Speaker 4 (25:44):
Care good morning, and welcome back to Save Money Strategies.
I'm Kelly Kelly here with my son William Kelly. We
are in the heart of the holiday season now and
if if you're like so many retirees we speak with
every week, you may be noticing that you're a holiday

(26:06):
budget doesn't just stretch like it used to. Things feel
more expensive because they are more expensive exactly.

Speaker 2 (26:15):
Groceries are a big one. People tell us all the time.
We used to do a huge Christmas dinner and it
didn't take so much planning. And now even the basics, turkey, vegetables, desserts,
they all add up quickly.

Speaker 4 (26:28):
And then comes gifts and travel and postage and holiday events.
It can all get overwhelming. If there isn't a plan.
But here's the good news. The real heart of the
holidays has never been about price tags or pressure, has
always been about connection.

Speaker 2 (26:48):
And retirees, especially grandparents, often feel obligated to go all out.
They want to make everything magical, but the truth is
the most meaningful parts of Christmas are rarely the most unto.

Speaker 4 (27:01):
That's right. There are studies that show people remember the
experiences the things we repeat year after year, far more
than they remember what they unwrapped. So a powerful mindset
shift can be simply saying our goal this year is connection,
not consumption.

Speaker 2 (27:22):
And that mindset actually helps you enjoy the season more.
There's less stress less skill less comparison to what others
are doing. You get to be present instead of feeling pressure.

Speaker 4 (27:32):
And retires are the ones who really set the tone
for the family. If you keep things simple and love centered,
everyone else follows your lead, and when you communicate that
clearly early in the season, it helps align expectations people
breathe a little easier.

Speaker 2 (27:52):
One practical idea is rotating responsibilities. If decorating the entire
house or hosting the whole dinner is becoming physically or
fine financially, tougher someone else can take turn. Traditions aren't
ruined when they change, They simply evolve, and that's.

Speaker 4 (28:07):
A beautiful point for retirees to remember. A tradition doesn't
have to look the same every year to be meaningful.
Sometimes simplifying makes it better. It makes it more doable.
For example, instead of hosting a huge meal, turn it
into a pot luck. You provide the core dish and

(28:28):
everyone else brings sides or desserts. It costs less, there's
less work and everyone contributes to the joy.

Speaker 2 (28:36):
Or choose activity based traditions that almost cost nothing. A
family game night, driving around the neighborhood to look at lights,
putting on Christmas music, and decorating together, printing old photos
and telling stories behind them.

Speaker 4 (28:50):
It's simple but powerful, and one of the biggest opportunities
for retirees to stay on budget is gifting. Gifts do
not have to be expensive to be meaningful. A handwritten note,
a framed picture, a favorite book you already own and
want to pass down, a recipe card in your own handwriting.

(29:11):
That's legacy. That's love and the family will cherish it.

Speaker 2 (29:16):
Another thing that helps set a family gift plan. Maybe
it's kids only. Maybe it's drawing names, maybe it's setting
a smaller dollar limit so no one feels pressure. These
decisions protect the joy and the budget, because.

Speaker 4 (29:30):
Let's be honest, the holidays should not jeopardize retirement savings.
You worked hard to build the future you have today.
Overspending for a single month shouldn't disrupt a plan that
needs to last twenty to thirty years.

Speaker 2 (29:44):
Absolutely, that's why planning matters so much for retirees. Prices
are still elevated and inflation doesn't just hit during December.
It's impacting spending all your long So making smart decisions
now really does support a secure, confident retirement leader.

Speaker 4 (30:01):
And financial stress, especially at the holidays, can take away
from what really matters. You want to enjoy the grandchildren.
You want to laugh, relax, worship, celebrate, and reflect. Those
are the moments that make this time special. When you
have a plan, your mind is free to be present.

Speaker 2 (30:24):
So here's a question for all of those listening. What
is the one thing you could simplify this year that
would make the holiday feel lighter and more intentional?

Speaker 1 (30:33):
Just one thing, It can make all the difference.

Speaker 4 (30:35):
And if you're thinking, we could simplify, but we still
want to feel secure financially. That's where a conversation with
a fiduciary advisor can help. We help retirees every day
understand where their income is coming from and how to
protect their purchasing power, not just this Christmas, but five, ten,

(30:58):
twenty years from now. Because when inflation pushes up the
cost of food, travel, gifts, all the things retires regularly
spend money on, you deserve a plan that keeps up.

Speaker 2 (31:11):
And to make that easier, we have a free guide
that many of you already requested, Inflation and your Retirement.
It explains why every day essentials cost more for retirees,
how inflation quietly chips away at buying power, Simple steps
to strengthen your retirement income strategy, Ways to stay financially
confident when prices rise.

Speaker 4 (31:31):
It's an easy, practical read and you'll finish it feeling
more informed and more empowered, and we love to get
a copy in your hands today. To request your free guide,
call us at eight eight eight eight hundred eighteen eighty
one or email Kelly at Kellyfinancial dot org.

Speaker 2 (31:52):
Stay with us, because coming up next we're going to
take this conversation even deeper. We're talking frugal celebrations, creative gifting,
and smart financial moves that help protect peace of mind
during the holidays.

Speaker 4 (32:05):
More insights coming your way Next. You're listening to safe
Money Strategies right here on WRKO.

Speaker 3 (32:16):
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 11 (32:27):
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, called eight eight eight eight hundred eighteen

(32:49):
eighty one or email Kelly at Kelly Financial dot org.
We're Kelly Financial.

Speaker 3 (32:54):
Come retire with us Safe Money Strategies with William Kelly
and Kelly Kelly. Call the team on eight eight hundred
eighteen eighty one.

Speaker 4 (33:09):
Welcome back to Save Money Strategies. I'm Kelly Kelly with
my son William, and we are talking today about creating
a holiday that is both joyful and financially responsible, something
every retiree deserves.

Speaker 2 (33:26):
And one of the best ways to make the season
more enjoyable is to lead with purpose. When retirees decide
why they want to celebrate the way they do, it
becomes easier to say yes to the things that bring
joy and know to the things that just cost money.

Speaker 4 (33:39):
Purpose protects your piece. If you know what matters most,
quality time with family, faith, traditions, simplicity, then holiday spending
becomes intentional. You spend where it counts, and you skip
the extras that used to sneak into the car.

Speaker 2 (33:57):
There's a really interesting survey that shows people who set
a spending intention at the start of the season spend
up to thirty percent less, and they report and join
the holidays more.

Speaker 1 (34:07):
Purpose is a powerful budget tool.

Speaker 4 (34:09):
And when you think about gift giving through the same lens,
it opens up possibilities that are far more meaningful. A
heartfelt letter, a favorite Christmas poem you love to read
each year, a framed photo from a special moment. Things
that say I love you, I'm proud of you, I'm

(34:29):
thankful for you.

Speaker 1 (34:31):
We have to say.

Speaker 2 (34:32):
Meaning is the most valuable gift you can give, and
retirees are uniquely positioned to give meaning because they carry
wisdom and memories that only they can share.

Speaker 4 (34:41):
And when you do choose to purchase gifts, set boundaries
that protect your budget. That might be a family wide
limit or deciding that only the kids receive gifts this year.
Those kinds of decisions foster gratitude instead of financial stress.

Speaker 2 (34:59):
And I always remind people gifts don't have the last forever,
but the message in a handwritten card often does.

Speaker 4 (35:05):
That's beautifully said. Now let's talk about traditions, because that's
another place where tires can feel pressure. Hosting, decorating, cooking.
Those are gifts of time, energy, and money. It's okay
to simplify without losing any of the magic.

Speaker 2 (35:25):
Absolutely, you can build joy with creativity, not cash. Maybe
you invite the grandchildren over to decorate cookies using supplies
you already have. Maybe you host a family game night
instead of a big night out. Maybe it's as simple
as putting on Christmas music and watching old home videos.

Speaker 4 (35:41):
We always encourage listeners. If you want to create a
new tradition, this easy and affordable, start small and keep
it fine. If everyone enjoys it, it becomes something you
look forward to every year without straining the.

Speaker 2 (35:56):
Budget, and food is a big budget category, so play ahead.
Grocery prices have been stubborn lately, and retirees feel that
more than anyone because essentials make up a bigger portion
of spending in retirement.

Speaker 4 (36:08):
Yes, shop earlier when prices are better, use store coupons
and apps. Those savings add up quickly when you're cooking
for a family, and don't hesitate to ask others to
pitch in. People love to help. It makes the meal
more communal.

Speaker 2 (36:26):
Travel is another one. If family has spread out, take
turns visiting each other every year instead of always making
the long trip, or choose a less expensive travel window
if you can't. There are so many ways to celebrate
without over committing financially.

Speaker 4 (36:39):
And what we've seen is that unrealistic expectations can lead
to stress and even disappointment. But when families talk openly,
everything gets easier. It might sound like we want a
meaningful and simple Christmas this year.

Speaker 2 (36:56):
Let's focus on time together, simple, clear and loving. That
kind of honesty keeps the holidays.

Speaker 4 (37:02):
Joyful, and that brings us to the bigger financial picture.
Retirement is a long journey. You want to enjoy these
holidays year after year, so protecting your purchasing power matters.
Inflation isn't just a headline. It affects the core of
your lifestyle. Food, gas, utilities, prescriptions, travel, Those are the

(37:28):
real categories that impact retirees most.

Speaker 2 (37:32):
Without a plan, inflation feels like this invisible force shipping.

Speaker 1 (37:35):
Away at the lifestyle you worked so hard to build.

Speaker 2 (37:38):
But with a plan, retirees feel confident and calm even
when prices are moving around them.

Speaker 4 (37:44):
And that's what a fiduciary advisor does. Helps make sure
your retirement income is positioned to keep up with rising
cost so you can spend time with the people you love.
Knowing the numbers make sense.

Speaker 1 (37:58):
We want this to be a season, not anxiety about
your budget.

Speaker 4 (38:02):
That's exactly why we put together our free resource called
Inflation and your Retirement is designed specifically for retirees, so
you can clearly understand what inflation is actually doing to
your retirement income. Why every day essentials hit seniors harder,

(38:23):
How to create an income strategy that keeps your lifestyle steady,
smart steps to protect your purchasing power, and how to
plan ahead so you can avoid financial strain in the future.

Speaker 2 (38:37):
It's practical, it's straightforward, and it gives you the right
questions to ask, whether you're reviewing your plan for the
first time or checking in to make sure things still
align with your goals.

Speaker 4 (38:48):
If you're listening right now and thinking, I want the
holidays to fill light again, and I want a plan
that supports that feeling going forward, this guide is a
great place to start. To request your free copy, just
call us at eight eight eight eight hundred eighteen eighty
one or send an email to Kelly at Kellyfinancial dot org.

(39:13):
We'd love to help you approach this season and all
the seasons ahead with confidence, clarity, and peace of mind.

Speaker 2 (39:21):
Mom, I think that's the perfect holiday gift, not just
for yourself, but for your whole family.

Speaker 4 (39:27):
I agree, well said, and that wraps it up for
us today, William. We'll be back next week with more
strategies to help you live a financially secure and fulfilling retirement.
Until then, from all of us at Kelly Financial Services,
we wish you a wonderful weekend and a very merry Christmas.

(39:50):
You're listening to Safe Money Strategies right here on w RKO.

Speaker 3 (39:57):
Safe Money Strategies bru to you by Kelly Financial Services
coll eight eight eight hundred eighteen eighty one. Well visit
Kellyfinancial dot org.

Speaker 1 (40:09):
Welcome back to safe money Strategies. I'm Mike Ducett. Before
the break, Greg Workman and I discussed the huge role
AI now plays across almost every company and every sector
and why most retirees are already exposed to AI, whether
they realize it or not. Now, let's dig into how
AI is influencing the markets in what that means for

(40:31):
building a stable, resilient retirement portfolio.

Speaker 8 (40:34):
One of the biggest issues we're seeing is that AI
has created a separation between companies that are perceived as
AI leaders and companies that are simply AI adopters.

Speaker 1 (40:46):
Leaders like Navidia, the Metas of the world. The Microsoft's
are getting huge valuation premiums because the market sees them
as the ones building the AI infrastructure.

Speaker 8 (40:57):
Meanwhile, thousands of companies are quiet using AI, getting real
efficiency gains and boosting profits, but without the headline hype.

Speaker 1 (41:07):
And that's where we think long term investors can benefit.
AI doesn't just reward the companies making the chips. It
rewards the companies using AI to reduce labor costs, improve forecasting,
reduce waste optimize pricing, enhance customer experiences, and increase productivity

(41:28):
without hiring.

Speaker 8 (41:29):
But in the short term, those benefits don't get priced
in evenly. That's why we see pockets of overvaluation and
pockets of undervaluation. The danger is when investors assume AI
leadership is concentrated in just one to two stocks. What
in reality, AI's success is distributed across the entire global economy.

Speaker 1 (41:53):
This is why diversification isn't old fashioned. It's more important
than ever because the question is not which single stock
will be the next AI winner. The question is how
do we position your portfolio so you have the potential
benefit no matter which companies end up leading five years
from now.

Speaker 8 (42:13):
History teaches us a valuable lesson. The companies that we
think will dominate the next decade, oftentimes, are not the
ones that actually do.

Speaker 1 (42:23):
Think back to the early two thousands, Nokia dominated mobile phones,
AOL dominated the internet, Intel dominated chips, Sony dominated entertainment,
GE dominated industrials.

Speaker 8 (42:37):
Today, none of those names that you mentioned, Mike our
market leaders. That's why being overly concentrated in the quote
unquote sure thing stocks is a dangerous game to play,
especially for retirees without a paycheck.

Speaker 1 (42:53):
Let's bring in another client story, because I think many
listeners will relate.

Speaker 8 (42:57):
We met with a client we'll call him Richard. He
had built a large position in tech stocks over the
course of time. He didn't do it intentionally, it happened slowly.
He had a couple of ETFs that were tech heavy.
He reinvested dividends for years. A few individual names had
grown tremendously, and suddenly he found himself with forty two

(43:19):
percent of his entire portfolio in AI oriented tech companies
when everything was going up. Well, that felt great, but
then he retired and suddenly that roller coaster ride or
volatility wasn't so fun anymore.

Speaker 1 (43:33):
We stress tested his portfolio. If the tech sector had
a normal correction, not a crash, just a normal twenty
to twenty five percent pullback, it would have created a
ten percent decline in his total retirement savings.

Speaker 8 (43:45):
And that's dangerous when you're drawing income from your nest egg.
A ten percent drop in early on in retirement can
take years of longevity off your portfolio.

Speaker 1 (43:57):
What we explained to Richard is that he didn't need
to sell everything. He didn't need to abandon AI or
abandon tech. What he needed was balance.

Speaker 8 (44:06):
We rebalanced him into broad US exposure, international stocks that
we see benefiting from the artificial intelligence trend, high quality
bonds intended to soften the ride, dividend focused equities to
provide a steady stream of income behind the scenes, and
a small intentional tech allocation instead of a larger accidental one.

Speaker 1 (44:32):
After rebalancing, we ran the stress test again. His outcomes
improved and he still kept enough tech exposure to participate
in AI driven growth without the tail risk that could
threaten his retirement income.

Speaker 8 (44:44):
AI affects investments absolutely, but it doesn't change the core
principles of retirement income planning.

Speaker 1 (44:52):
That's right. Whether AI is booming or slowing down, retirees
still need a stable income plan. They need a predictable
with ral strategy. Strategy is designed to minimize volatility and
protection against inflation. They're also looking for tax efficiency and
a plan that keeps working even in down markets.

Speaker 8 (45:11):
You don't want to rely on a high growth tech
sector to fund your lifestyle. You want your lifestyle to
be funded by a blend of dependable, repeatable income sources.

Speaker 1 (45:23):
AI exposure it can be part of your growth sleeve,
but it should never be the engine driving one hundred
percent of your retirement income.

Speaker 8 (45:30):
Let's give our listeners something actionable. Here are three steps
retirees can take right now to participate in AI without
taking on more risk than they bargain for. Step one,
know your current AI exposure.

Speaker 1 (45:48):
Most retirees don't realize how heavily their index funds and
diversified portfolios already leaned toward AI driven companies.

Speaker 8 (45:56):
Step one is simply understanding what you own. We run
the analysis for clients every week and it's a real
eye opener. Step two avoid concentration risk.

Speaker 1 (46:09):
No matter how exciting AI is, you don't want more
than a reasonable percentage of your portfolio tied to a
single company or even a single sub sector.

Speaker 8 (46:18):
If TECH makes up forty percent or more of your portfolio,
especially in retirement, well that's a red flag. Step three,
build AI into a balanced portfolio.

Speaker 1 (46:32):
Diversification means you get exposure to the builders of AI,
the deployers of AI, the users of AI, and the
traditional companies benefiting from AI efficiencies.

Speaker 8 (46:43):
This is designed to give you broad participation, smoother performance,
and aimed at relative outperformance when the markets move against you.

Speaker 1 (46:54):
AI is exciting and it's real. It's not a fad,
but hype can pull people out of their financial place.

Speaker 8 (47:00):
The winners in retirement are the people who stayed disciplined, diversified,
and balanced. They don't chase headlines, and they don't try
to predict which tech company will dominate the future.

Speaker 1 (47:12):
They follow a plan, and that plan includes the right
amount of exposure to innovation.

Speaker 8 (47:17):
If today's conversation made you wonder how much AI exposure
you actually have in your portfolio, or whether you're taking
on more risk than you may have intended, give us
a call.

Speaker 1 (47:29):
We'll walk you through a full portfolio analysis, including how
much of your current holdings are being driven by AI,
how much concentration risk you may have, and what steps
you can take to bring everything into balance.

Speaker 8 (47:42):
And we'll also send you a free copy of our
Safe Money Strategies retirement workbook. It covers income planning, tax efficiency,
RMD strategies, social security.

Speaker 1 (47:53):
Timing, and much more.

Speaker 8 (47:56):
With that, I'm Greg Workman, and.

Speaker 1 (47:58):
I'm like you said, you've been listening to Safe Money Strategies.
We'll see you next week.

Speaker 7 (48:07):
Joining us now, as she always does at this time,
she is the co founder CEO and President of Kelly
Financial Services, and yes, that is her wonderful name, Kelly,
Kelly Kelly, how are.

Speaker 4 (48:27):
You good morning, Jeff. I am good.

Speaker 6 (48:31):
As we head deeper into the holiday season, I've been
thinking a lot about generosity, not just the gifts we give,
but values behind them and the legacy we want to leave.
Retirement isn't just about saving money. It's about stewardship. It's
about using what you work so hard for with purpose.

Speaker 4 (48:52):
Gratitude, and clarity.

Speaker 6 (48:54):
And this time of year, people want their giving to
matter helping children, grandchildren, and their church or the causes
they love, while understanding why taxes may shape those choices
so their generosity goes as far as possible. That's why
we're sharing our Tax Explorer Guide. It's easy to read

(49:16):
and helps you understand how taxes may impact your giving
and your retirement income as.

Speaker 4 (49:22):
We look ahead to a new year.

Speaker 6 (49:24):
If you'd like a copy, give us a call or
send us an email. Jazz have a wonderful weekend.

Speaker 4 (49:30):
My best to Grace and the kiddos.

Speaker 7 (49:32):
Thank you so much, Kelly. All the best to you
and everyone at Kelly Financial. If you want to get
in touch with them, the number to call eight eighty
eight eight hundred, eighteen eighty one eight eight eight eight
hundred eighteen eighty one, or if you prefer, you can
email Kelly directly Kelly at Kellyfinancial dot org.

Speaker 3 (49:58):
Safe Money Strategy eight eight hundred one eight eight one.

Speaker 4 (50:05):
Each week on Safe Money Strategies, we share the voice
and vision that Bill Kelly Financial. In this segment, Bill
Kelly reminds us that your financial journey needs a GPS goals,
possibilities and security and a team to help guide the way.
Here's Bill Kelly.

Speaker 12 (50:26):
This is Bill Kelly back with you. We're hoping that
you're able to lock in on this exclusive broadcast, which
is basically opportunity matching over the air, and you are
prospecting for possibilities, probably as you use your ears to
perhaps allay your fears and avoiding radio frequency fatigue and
focusing on facts. I think that works the best. But

(50:47):
there's one key question. Are you going to go and
a loan or are you going to go with a team?
And I think that's important. We use the GPS theory, goals,
possibilities and security whenever possible. Security is never guaranteed, right.
We also might say guidance, potential, and strategic strategy. So
GPS means a lot right now. But the one thing
we know about GPS it's directional, right, ladies and gentlemen.

(51:10):
So when it's directional, it means you have a path,
and if you have a GPS, generally it works. It
just has eliminated most of the fighting in automobiles unless
you're fighting about the GPS. Now you're not fighting about
directions with your better half, right, and it can be
that way with finances too. The goals, the path, the passage,
the pilgrimage, the strategy, and if you're going to be

(51:32):
sitting pretty that's the S word at the end of
all this, think about it. So there's a curiosity phase
to anything that we do. Isn't there something new and
you're getting used to a familiar voice, I think. So
you're looking for key areas of expertise. You're looking for
actions to improve or inspire. Retirement isn't just an event,
a one day event where you go in to pick

(51:53):
up the gold watch and then you leave and then
you say, wait a minute, I only got a gold watch.
And when that happened, some people have an emptiness. We
don't want you to have that. So if you're wondering
how to fill out those forms that are daunting, if
you're wondering if you're going to get a better deal
with a better strategy, then you probably might want to
call eight eight eight eight hundred and one eight eight

(52:15):
one and find out there are actions to improve or
inspire and those are for you to call it for
our informational free booklets eight eight eight eight hundred one
eighty one. If you want to introspect, you can take
a survey or test or a quiz. You can find
out where you stand, and as this happens, you begin
to match your needs with the solutions. I hear every week,

(52:37):
and you're hearing today. So and my neighbors like it too.
So eight eight eight eight hundred and one, eight eight one,
And this is Bill Kelly. You could connect. We call
it connecting and converging. When that happens, we get a
great feeling. And we have a lot of connections. And
most people say, I'm wondering if I can do better.
I'm interested in meeting the team, and I want to

(52:58):
discover a difference. I think that's what Kelly Financial is
all about. So eight eight eight eight hundred and eight
eighty one, get you a meeting with us. You might
enjoy that, but really fact finding is key, isn't it.
And we call that listening and learning from you, and
I think that's most important. Everybody's nervous right now. We
have a new president. We're on different footing than we

(53:21):
were a year ago, seven years ago. But the first
phase is fact finding, But it's really listening and learning
from you. You want to delve, you want to dig,
you want to investigate, and you want to inspect what's
really happening, Ladies and John what's important to you you're
the investor. What keeps you awake at night? And then
what allows you to sleep like a baby. By the way,

(53:43):
sleeping like a baby doesn't mean waking up every two
hours and crying. That's not the kind of sleeping like
a baby that you want. As you know, the market's
at an all time high, and we know what happens
after an all time high, right every time, So be careful, right,
So you have to lay out your priorities and maybe
experience a team process. That's Kelly Financial eight eight eight

(54:04):
eight hundred one eight eight one. I could say we've
been consistent, and we're consistently here for you. So the
exploring priorities, potential and possibilities. There's your first contract at
our offices, and that includes objectives and obstacles. Now, when
Stan came in several years ago, we spoke with him
and he had worries about the market, he had moorries

(54:25):
about interest rates, and he had worries about security. So
but the first thing I told him was sit back
and relax. Put those papers away right now. Let's just
find out what your objectives are and we'll show you
if there are obstacles, and we'll show you what your
objectives really could mean if we meet all of them.
So learning about priorities, we want to determine your possibilities.

(54:46):
We don't want to determine what the heck we could
sell you. Think about that, it's your potential, it's not ours.
And are you going to go alone? Are you going
to go with a team of some of the most
handsome and great looking people on the face of the planet.
And this the reason i'mine radio there not ladies and
gentlemen shoes have to overlook that. Now, the second time
you visit with us, we call that the launch meeting

(55:07):
where you're propelled, where we can expand upon your objectives
and some obstacles that might be there, and then unfold
a plan for you. Suggestions and solutions come to the surface,
and then we add some reason and purpose. So that's
the process. The process is not to try to get
you in the dark room, get you to sign a
paper and then leave, put your money in jail, and

(55:29):
then allow you to visit it once a year. No,
that's not what we're trying to do. So eight eight
eight eight hundred and one, eight eight one. Find out
what the possibilities and the potential and what can happen
for you if you plan properly. Eight eight eight eight
hundred and eighty one. Visit with us and let us
help you plan for your future.

Speaker 3 (55:55):
Mcle kelly Financial Services eight eight eight eight hundred eighteen
a t.

Speaker 4 (56:01):
I'm Kelly Kelly from Kelly Financial. Retirement is a time
to enjoy the fruits of your labor, but is also
a period when financial stability becomes more critical than ever,
so seeking expert financial advice is essential regardless of your age.
Professional guidance insureds your assets are allocated wisely, helping your

(56:22):
money last as long as you need it. The advisors
at Kelly Financial will help you take charge of your
financial future and preserve your hard earned wealth to enable
you to focus on the retirement you've dreamed of. We
have a free investor guide called designing your Fiscal House
to Weather the Elements, which highlights the steps needed to

(56:43):
build a balanced portfolio. For the guide and a free
consultation with a Kelly advisor, call eight eight eight eight
hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with.

Speaker 3 (56:59):
Us, Save money strategies with William Kelly and Kelly Kelly.
Go to Kelly Financial dot org.