Kelly Financial: Saturday, December 14, 2024

Episode Transcript

Speaker 1 (00:12):
This coming to us.

Speaker 2 (00:20):
Good morning, Dear Boston. I'm John Budris and Kelly Financial.
Safe Money Strategies indeed carries on every Saturday morning right
here on WRKO six point eighty on the AM dial
and online from just about anywhere, even from Santa's Sleigh.
It's getting geared up pretty soon. It's on the way.

(00:40):
I wish I had grandchildren to get excited with about Christmas.
I think I'm going to have to unofficially adopt a
few this year. We have so much on the show today,
I really want to get to it. Of course, we'll
be hearing from the advisors at Kelly Financial, and we'll
be talking with missus Kelly later in the show about
all of the resources that we have right around us

(01:01):
to help us in this kind of final home stretch
of retirement planning that we may not have even thought about.
And those are the people close to us in our orbit.
So during the break, grab a cup of coffee and
meet us on the other side. We'll be right back.

Speaker 3 (01:20):
Safe Money Strategies with John Bidris and Kelly Kelly. Call
eight eight eight eight hundred eighteen eighty one or go
to Kellyfinancial dot Org.

Speaker 4 (01:30):
I'm Kelly Kelly from Kelly Financial. Before considering retirement, it's
important to have an initial conversation with those closest to you.
Talking to your spouse, employer, and adult children about your
retirement plans could clarify expectations and address practical matters. Then
you might want to meet with a financial professional. The

(01:52):
advisors at Kelly Financial will listen to your concerns, review
your financial situation, and highlight potential challenges. We also have
a free investor guide that might help. It's called You've
Reached the Retirement Summit Now. What It contains insights on longevity,
cost of living, and income planning to help you decide

(02:13):
if now is your time to retire. For the guide,
or for a complimentary 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 us.

Speaker 3 (02:30):
Christmas with safe money strategies. Call eight eight eight eight
hundred eighteen eighty one or go to Kelly Financial dot org.

Speaker 4 (02:42):
Good morning, dear friends and dear listeners. I'm Kelly Kelly,
and welcome to our show on this fine Saturday morning.
I am here with my very handsome son, William Kelly Junior,
as we chat every Saturday morning.

Speaker 5 (02:56):
Good morning, William, Good morning my beautiful mother.

Speaker 6 (02:59):
Awe, how are you doing.

Speaker 5 (03:01):
I'm good in yourself, I'm doing great.

Speaker 1 (03:03):
We have a.

Speaker 7 (03:04):
Big line up for our interview and for today's show.

Speaker 8 (03:07):
I think first we should address the most important thing,
which is the toys for tots.

Speaker 4 (03:11):
We've had a lot of excitement as clients have been
bringing in.

Speaker 7 (03:15):
Gifts we've been getting.

Speaker 6 (03:16):
I wish we could say names, but you know who
you are.

Speaker 1 (03:19):
We appreciate it.

Speaker 4 (03:20):
I know one couple they brought a beautiful bicycle.

Speaker 5 (03:24):
Helmet, teddy Bears, toys, everything.

Speaker 6 (03:28):
So many beautiful things.

Speaker 8 (03:29):
We want to say to our clients or prospects who
decided to drop a toy off. You guys showed out phenomenally.

Speaker 6 (03:36):
I know we're still building.

Speaker 5 (03:38):
We need more, Yes, we need more. More is not enough.

Speaker 4 (03:41):
You can bring the toys to our brain Tree office
or our Burlington office. We will accept any toys.

Speaker 5 (03:49):
Any toy unwrapped.

Speaker 1 (03:51):
Yep.

Speaker 8 (03:51):
Now, every now and then you come across a book
that's relaxing to read and easy to read, but not
in the way that it's not challenging in the way
that you can actually kind.

Speaker 7 (04:02):
Of like it absorbs you a little bit.

Speaker 8 (04:04):
And I found this book at Barnes and Noble with
Mariray Madaline and then thanks to the advice of Jeff Coooner,
I got it off three books for a much better price.
It was written in the early two thousands by a
man named Bo Burlingham, and the name of this book
is Small Giants Now. Small Giants covers a variety of
businesses that Bo had investigated by himself. He did his

(04:24):
own interviews, he did his own research, and he's asked
his own questions. And the specific criteria of each of
these businesses are that they are small businesses that instead
of whenever they reached a crossroads of whether they could
expand to the corporate level or stay.

Speaker 7 (04:39):
Within their community and actually.

Speaker 8 (04:41):
Decide to stay small and focus on the base, they
decided to focus on the base. Now, I wanted to
talk about two stories from this book that I really liked,
and I figured let's switch it up today and let's
have a little book club. So the first story, I'm
sure many of you are familiar with Cliff Bark, the
notorious hiking snow that a lot of people eat this

(05:02):
man Gary Erickson was the creator of cliff Bar. He
made this I think in his mother's kitchen and he
made the recipe himself from the start. Now his business
was not doing very well. He had about ten thousand
dollars in his bank account. He owed his angel investor
about thirty nine million dollars that would have to be
paid within the next five years.

Speaker 7 (05:22):
He made this deal. He only had ten.

Speaker 8 (05:24):
Thousand dollars in his bank account and PEPSI Co wanted
to acquire his business, and he had so many competitors
like power Bar, for example, who were acquired by various
other larger conglomerates.

Speaker 7 (05:35):
And he was sick with the feeling of this business.

Speaker 8 (05:38):
He worked so hard for just being big because it
was bought out. And then he realized, wait, nothing's been
signed yet. There's no point to feel this way. If
I really want to keep this business, I can. People
thought you're crazy to do that, you have no money.
What's the point. Ericson believed more in the vision in
his own company than he did in selling out, and

(05:58):
he did not sell out.

Speaker 7 (06:00):
The first couple of years were very difficult.

Speaker 8 (06:02):
He said, why are we in business Ericson came to
the conclusion that he wants to prove that you can
have a healthy, sustainable company that grows by natural demand
and not being bought out by global conglomerate.

Speaker 1 (06:15):
And he did so successfully.

Speaker 8 (06:17):
Eventually they worked it out and as many of you know,
if you go to the store, you see a cliff
bar everywhere in the snack aisle. The nineteen ninety nine
they have thirty nine million dollars in sales, and then
in two thousand and four it more than doubled to
ninety two million dollars. Wow, and now they are a huge.

Speaker 6 (06:34):
Of success story.

Speaker 8 (06:36):
Absolutely, there's a second business I want to talk about.
Anybody listening from Michigan, you might be familiar with the
name of this restaurant. It's called Zingerman's. Zingerman's was a
notoriously great restaurant because of the quality of their sandwiches,
their food. Like when you think Zingerman's, you think, man,
this is a good sandwich, but it's not Zingerman's good.

Speaker 1 (06:56):
They had that.

Speaker 8 (06:57):
High of a standard, that high of a quality, and
that high of a reputation. Now, one business owner had
the idea that if they continued to grow for profit,
that the company would grow into a smug and complacent
kind of way that would just fit them in with
other competitors and then eventually put them in a market
that they didn't want to compete in. And so what

(07:18):
they did is instead of just flying out to like
Kansas and making a satellite restaurant, call it Zingerman's, and
then make it be mediocre, what they did and said
is they decided to form a parent company. And this
parent company would essentially create satellite restaurants, but instead of
them being Zingerman's, Zingerman's would be under the title. There
would be Zingerman based restaurants, but each restaurant would be

(07:40):
unique and special to its location and to its own restaurant.

Speaker 7 (07:43):
Each restaurant would be different.

Speaker 8 (07:44):
And so they figured it out that way and they
opened about ten different restaurants. So enough about that, I
do want to talk about real quickly.

Speaker 1 (07:52):
Trump had a.

Speaker 8 (07:52):
Little over two hour interview with MSNBC. I'll say he
got thrown fastballs, but no curveballs. Trump was prepared for
many of the questions. He did not deflect that much.
He did a good job answering and explaining what his
plans are for certain things.

Speaker 7 (08:09):
And it seems like he could back it up.

Speaker 8 (08:12):
This is the first interview he had had since he
had been elected. I like how he's not afraid to
go on these different media outlets, even if they agree
or disagree. Trump said many times that he wants to
work with Democrats with immigration. He wants to work with
Democrats in the dangerous cities which are majority Democrat run, and.

Speaker 7 (08:31):
He wants to help them.

Speaker 8 (08:32):
He has used haraff so far as a negotiation tactic
with Canada and Mexico with the illegal migrant input from
both borders, and he said overnight the numbers went down
significantly and he's not even president it yet.

Speaker 7 (08:47):
Isn't that crazy?

Speaker 6 (08:48):
It really is.

Speaker 4 (08:49):
Well, William, I appreciate your thoughts, and I know our
listeners do as well. I want to wish everyone a
wonderful rest of the weekend, and do keep us on
your dial. If you're contemplating a year end investment review,
stay tuned because Mike dust and Charlie Gable we'll discuss

(09:09):
what information should be included in a comprehensive analysis, as
well as some advice on how to select the appropriate
advisor to conduct the review. Mary Madeline Kelly and Greg
Murray we'll talk about some financial lessons from holiday spending.
I will be back with John Boudris and we will

(09:31):
talk about people to speak to about retirement and the
questions to ask, and as always, some whip and wisdom
from Bill Kelly William. Thank you for chatting with me
this morning. I look forward to next Saturday.

Speaker 5 (09:44):
I love you, Honey, I love you.

Speaker 9 (09:46):
Too, Mom, and as do I infesstive greetings from all
of us at Kelly Financial Services.

Speaker 3 (09:58):
Call the team on eight eight hundred eighteen eighty one
or go to Kelly Financial dot org.

Speaker 10 (10:08):
I want to talk to you about Kelly Financial Services.
You probably have some idea of how you'd like to
spend your retirement, taking vacations with family, enjoying the hobbies
you love, or even setting up a business. The possibilities
are endless. If you start putting the right financial strategies
in place today, you could have the lifestyle and well

(10:28):
funded retirement you'll need in the future. Kelly Financial have
been providing financial advice to the people of Greater Boston
for over twenty one years through their Safe Money strategies.
The advisors at Kelly Financial can walk you through the
process step by step to set you on the path
to achieving your financial goals and the retirement you've always

(10:49):
dreamed of. To set up a complementary retirement consultation with
a Kelly advisor, call eight eight eight eight hundred eighteen
eighty one eight eight eight eight hundred eighteen eighty one
or email Kelly at Kelly Financial dot org. That's Kelly
at Kelly Financial dot org.

Speaker 3 (11:07):
Safe Money Strategies cool eight eight eight eight hundred eighteen
eighty one, or go to Kelly Financial dot org.

Speaker 11 (11:16):
Good morning, you are listening to Safe Money Strategies and
my name is Mike, you said, chief operating officer at
Kelly Financial. I'm joined this morning by one of our
trusted financial advisors, Charlie Gable.

Speaker 12 (11:27):
Good morning, Charlie, Good morning, Mike, and nice to be
here with you and the.

Speaker 1 (11:30):
Listeners as we approach your end.

Speaker 11 (11:32):
I'm sure there are many listeners that are contemplating the
idea of receiving a second opinion on their current investment strategies.
Year end can be a great time to reassess your
retirement goals and make sure you are still on track
to achieve the retirement lifestyle you deserve. A good financial
advisor can play a key role in helping you to
make your retirement dreams come true. But instead of helping,

(11:55):
a bad financial advisor can get in the way of
accomplishing your retirement objectives. On today's installment of Safe Money Strategies,
Charlie and I will discuss some tips on selecting a
financial advisor that has your best interest at heart and
the steps he or she should be taking to ensure
your investment allocation is best positioned for successful twenty twenty five.

Speaker 12 (12:16):
Yeah, that's right, Mike. I encourage our listeners to really
think about the following questions during today's broadcast. First, how
well do you understand what your financial advisor is telling you?
How often do you communicate with your financial advisor? Do
they often go radio silent when things aren't going well?
And then do you ever wonder if your financial advisor's
recommendations are always in your best interest?

Speaker 11 (12:38):
I'll add a couple Do you trust your financial advisor?
Do you understand exactly how your financial advisor makes his
or her money.

Speaker 12 (12:47):
There's definitely a lot going on in the world right
now which can be difficult to navigate on your own,
which is why many people would value the ability to
be able to turn to a financial advisor for help
and guidance during times like these. A good financial advisor
can make a huge contribution to your financial wellbeing, while
a bad one could do a great deal of harm.
The challenge is that good and bad are subjective terms.

(13:11):
It's not always that easy to know if a financial
advisor is providing true value. So in today's show, we'll
discuss some of the red flags that could serve as
a warning that it might be time to consider cutting
ties with your current financial advisor.

Speaker 11 (13:25):
Jollie, we've been in the business that combine thirty plus years.
We know there are certainly plenty of competent financial advisors,
but unfortunately, not all financial advisors have your best interest
in mind. We work in a highly regulated industry with
many layers of legal and compliance. We have the past
multiple licensing in industry exams. But the truth of the

(13:46):
matter is that many financial advisors are more concerned with
their income more than your well being.

Speaker 12 (13:52):
Not wrong, Mike, and when you recruited me to Kelly
Financial a couple of years ago, it really has been
a breath of fresh air. You know, like many firms,
we do have a fiduciary responsibility to our clients. But
missus Kelly has taken that business model a bit further. Kelly,
financial advisors are salaried employees, and that puts us in
me as close to the same side of the table

(14:13):
as the clients as it can be. It's really nice
to come to work do the work that I love
and truly do right by every client that comes through
our doors.

Speaker 11 (14:21):
You spend your life sacrificing to put as much money
aside as possible so that one day you can enjoy.

Speaker 5 (14:26):
A confident retirement.

Speaker 11 (14:28):
The last thing you want is to later discover that
a large part of your savings has been squandered away
in fees, commissions, and unsuitable investments recommended by a financial advisor.
With all the complexities and mounds of paperwork, it's not
easy to always know if a financial advisor has your
best interest at heart. Today, we're going to explore some
of the warning signs. We're going to spend our time

(14:51):
helping you to derive a strategy that will ensure success
in your version of retirement.

Speaker 12 (14:56):
So when do you actually need a financial advisor? I
think that's a good question and a good place to start.
Before discussing when you might want to cut ties with
your current broker or financial advisor, let's spend a few
minutes exploring if you even need one prior to deciding
to go it alone. It really might be a good
idea to consider that. There are two things you'll need
to be a successful do it yourself. There's a degree

(15:18):
of skill and knowledge involved with financial planning. Remember, mistakes
can be expensive. Really, not understanding Social Security, Medicare and
how retirement account withdrawals could potentially impact taxes, as well
as other complexities, could ultimately cost you much more in
the long run than what you might pay a good
financial advisor.

Speaker 11 (15:37):
Time is also a huge factor. You can say that
your single most precious commodity after you retire is time.
Do you really want to spend your golden years hovering
over your financial plan hoping that you made the right
moves at the right time.

Speaker 12 (15:50):
Now, let's assume you have both the skill and the time.
There are two reasons why I still believe it might
be wise to consider hiring an advisor. The first applies
to married couples, where oftentimes one spouse might handle more
of the investments in planning. This could be especially true
when it's the husband who takes on the role of
the do it yourself financial planner. Since women often outlive

(16:12):
their partners, this situation could put them in a vulnerable
position of not knowing or being fully informed as to
the family finances, and ultimately they try to find their
own financial advisor to help.

Speaker 11 (16:23):
So true I hear time and time again in my
initial interactions with clients. I want to work with someone
that I trust and know will take care of my
spouse and the events something were to happen to me.

Speaker 1 (16:34):
And a good.

Speaker 12 (16:35):
Solution for even the most committed do it yourself or
might be to find a trusted advisor and ask them
to handle just a portion of your portfolio, call it
your serious money. As time passes and the relationship builds,
if that advisor provides value, you might decide to allow
him or her to help with the greater portion of
the portfolio.

Speaker 11 (16:52):
Let's discuss some red flags. If you currently work with
the financial advisor or broker and I'm wondering if your
interests are being best served. Here are some possible red
flags that might provide valuable warning.

Speaker 12 (17:04):
Is your current advisor focus only on investing? This could
be a great match during the years when retirement is
far off in the future. So this period is usually
your accumulation phase, and you're really preparing for retirement, investing
and growing your nest egg, and that's your real sole
major consideration. So as you near retirement and after you
stop working, you're now in an entirely different phase with

(17:27):
unique objectives requiring distinct strategies. The focus starts to shift
significantly to helping to protect what you've accumulated and using
it in the most efficient manner to replace your paychecks
for the rest of your life now, while investing in
growing assets to keep up with inflation is still important.
During this distribution phase, risk really becomes an even greater consideration,

(17:50):
and there are other important issues that might be outside
of the skill of many financial advisors.

Speaker 11 (17:55):
Once you hit retirement, it's time to put it all together,
from pensions, social security and medicare to your four oh
one k's, brokerage accounts and iras. If your advisor is
focused on part or all of your investment alone, then
they're not seeing the entire pitcher. There are ways to
maximize social security beyond just delaying the start of benefits.
This is key because the more your retirement income that

(18:18):
comes from Social Security, the less you need to withdraw
from your savings, which in turn will allow your nest
egg to last longer.

Speaker 12 (18:24):
And if you're like many people who've accumulated most of
their savings in four to one k's iras and other
traditional workplace retirement plans, you'll have to pay taxes in
the money you withdraw for income. It's important to work
with an advisor that comes to you with strategies that
should be considered today to have the best chance of
minimizing taxes in the future. The less money that goes

(18:46):
to the taxman is more money in your pockets and
allows you to pay your bills and enjoy retirement.

Speaker 11 (18:52):
Jolly and I need to take a quick break, but
we'll be back later in the show to discuss the
necessary steps involved in a thorough comprehensive investment review.

Speaker 1 (19:00):
So stay tuned.

Speaker 3 (19:07):
A very happy festive season from all of us, said
Kelly Financial Services. Call eight eight eight eight hundred and
eighteen eighty one or go to Kellyfinancial dot Org.

Speaker 13 (19:20):
I'm Kelly Kelly, I'm Mary Madeline Kelly, and I'm Boim
Kelly Junior and.

Speaker 14 (19:25):
That's Georgia, our dog at Marshall the cat.

Speaker 4 (19:27):
Together, we're decorating the tree, getting ready for Christmas.

Speaker 6 (19:31):
Georgia, please put down that tinsel.

Speaker 1 (19:33):
Marshall, take that Santa out of your bout.

Speaker 15 (19:35):
William quick, he's money away with Santa.

Speaker 1 (19:37):
Mark keep the tree study, I'll get the cat.

Speaker 6 (19:39):
Why do we have this drama every year?

Speaker 1 (19:41):
I've got him, but Santa's head is missing.

Speaker 14 (19:44):
Oh no, I think there's another one in the box
of lights.

Speaker 1 (19:47):
What just the head of the complete Sata.

Speaker 14 (19:48):
William, Georgia and Marshall.

Speaker 4 (19:50):
Williams doesn't need your Helliam.

Speaker 14 (19:52):
Please pass me the lights, Marshall. The light's not a toy.
Give them to me.

Speaker 6 (19:57):
Be careful, miror Madeline.

Speaker 4 (19:58):
He's wrapping them around the tree.

Speaker 1 (20:00):
Marshall, stop running with them.

Speaker 15 (20:02):
Yeah, helps Marshall, look what you've done. And Georgia stop
eating the presents. From all of us at Kelly Financial,
we wish you a very happy, festive and restive holiday
season and a very bright and happy new Year. This
holiday season, Kelly Financial will host their second annual Toys

(20:23):
for Tot's Drive between December second and twenty third. Simply
drop off a new unwrapped toy at either our Brain
Tree or Burlington locations. We encourage anyone to contribute what
they can by putting gifts in the hands of children
in need this Christmas, making it a true season of giving.
For more information, called eight eight eight eight hundred eighteen

(20:44):
eighty one or go to Kellyfinancial dot org.

Speaker 3 (20:48):
Thank You the Money Wrap with Kelly Financial Advisors, Greg
Murray and Mary Madeline Kelly.

Speaker 7 (20:56):
Good morning.

Speaker 16 (20:57):
This is Greg Murray, Senior Vice President Danchee Compliance Officer
at Kelly Financial Services. Joining me today is Mary Madeline Kelly.
What of our investment advisors? How what are you doing today?

Speaker 13 (21:06):
Good morning, Greg. I am wonderful this chili Saturday morning.
I'm still reliving our office Christmas party last weekend. What
a fun time we had.

Speaker 16 (21:14):
I'm always happy to spend time together. We always do
have fun, and now we have a dartboard in the
office which will add to our already competitive nature.

Speaker 13 (21:22):
Thanks to my mom for providing it in the Yankee
Swap and to Greg Workman for letting the office uses gift.
As much as I love this season, for many reasons,
I thought it would be a good time to talk
about how the holidays can affect our budgets. Between gifts,
travel parties, and all those festive extras, it's easy for
spending to spiral out of control. But the good news

(21:42):
is there are some important financial lessons we can learn
from this season. Let's start with the big one, planning.
Tell me Greg, why is planning so critical for holiday spending?

Speaker 2 (21:51):
Planning is everything.

Speaker 16 (21:52):
Without a clear budget, it's way too easy to overspend.
I always recommend sitting down before the holidays and figuring
out exactly how much you can afford to and then
sticking to it. It might not sound festive, but it
can save you a lot of stress in January.

Speaker 13 (22:04):
Absolutely. And speaking of budgets, I love the idea of
assigning a dollar amount to each person on your gift list.
It's a simple way to stay on track and avoid
those last minute add ons that can blow your budget.

Speaker 12 (22:16):
So true.

Speaker 16 (22:16):
And here's another lesson, don't rely too heavily on credit cards. Well,
credit cards can be great for earning rewards, it's easy
to lose track of how much you're spending if you
don't pay off your balance in full, those interest charges
can really erase any benefits.

Speaker 13 (22:29):
Another trap people fall into is the allure of sales.
Just because something is forty percent off doesn't mean you
should buy it, especially if it's not in your budget
or something you really need. What's your advice for handling
those holiday sales.

Speaker 16 (22:41):
I always say stick to your list. If it's not
something you plan to buy, it's not really saving you money.
And if you're shopping online, try leaving items in your
car for twenty four hours before checking out. Sometimes that
cooling off period helps you avoid impulse buys.

Speaker 13 (22:53):
I may steal that tip, especially in the environment wherein
with targeted ads on social media they're designed to make
us they we need things we really don't. Staying mindful
of this can help us avoid and necessary impulse buys.
Let's also talk about the aftermath of holiday spending. Many
people end up starting the new year with credit card
debt or feeling financially stretched. What's a good strategy for

(23:14):
recovering from overspending.

Speaker 16 (23:15):
First, don't beat yourself up. It happens to the best
of us. The key is to create a repayment plan
and prioritize playing down high interest at as quickly as possible,
and consider using the new year as an opportunity to
build better habits. Like setting up a saving spun specifically
for next year's holidays.

Speaker 13 (23:31):
That's great advice, and here's a proactive lesson for everyone listening.
Start saving for the holidays earlier in the year. Even
setting aside a small amount each month can make a
big difference by the time December rolls around.

Speaker 16 (23:43):
Absolutely, and for families, the holidays can also be a
great time to teach kids about money. So, Mary Madeleine,
do you have any tips for involving kids and financial
discussions during the season.

Speaker 2 (23:52):
I do.

Speaker 13 (23:52):
One idea is to give kids a small holiday budget
and let them decide how to spend it. It teaches
them about making choices and sticking to lim You can
also talk to them about the value of giving back,
whether it's through donating to a charity or volunteering.

Speaker 16 (24:06):
Such a good point. The holidays are a perfect reminder
that money is a tool. It's not just about spending,
but it's also about creating joy, security, and opportunities for
the future.

Speaker 13 (24:14):
As a financial advisor, I couldn't agree more. Well, that's
all for today's segment on financial lessons from holiday spending.
If you have questions or need help setting up a
plan for next year, don't hesitate to reach out.

Speaker 16 (24:25):
We are always happy to offer any help. We can
thank you for your time today, Mary Maddelin, and then
I'll see you next week.

Speaker 13 (24:30):
You too, Greg, have a great weekend.

Speaker 3 (24:32):
To get in touch with Greg Murray or Mary, Madeline Kelly,
or any member of the Kelly Financial team, call aight
eight eight hundred eighteen eighty one.

Speaker 4 (24:44):
I'm Kelly Kelly from Kelly Financial. If you're unsure about
transitioning into retirement, Kelly Financial has a free investor guide
that might help. It's called You've Reached the Retirement Summit
Now What It contains insights on longevity, cost of living,
and income planning to help you decide if now is
your time to retire. For the guide, call eight eight

(25:05):
eight eight hundred eighteen eighty one or email Kelly at
Kellyfinancial dot org. We're Kelly Financial. Come retire with us.

Speaker 2 (25:14):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty one years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation. Call eight eight eight eight hundred eighteen

(25:37):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.

Speaker 1 (25:44):
Hi.

Speaker 11 (25:44):
I'm Mike Dusa, chief operating Officer at Kelly Financial Services.
If your financial advisor is unhappy about you getting a
second opinion about your retirement plan, then to me, that's
a red flag. Here at Kelly Financial, not only do
we want to build your plan, but also manage your
wealth for a more retirement. If this might be of
interest to you, call us for a complimentary consultation on

(26:05):
eight eight eight eight hundred eighteen eighty one or go
to Kelly Financial dot org.

Speaker 1 (26:10):
We're Kelly Financial. Come retire with us.

Speaker 3 (26:14):
Call the team at Kelly Financial on eight eight eight
eight hundred eighteen eighty one or go to Kelly Financial
dot org.

Speaker 2 (26:27):
And we are indeed back. I'm John Budris, the co
host of Safe Money Strategies, and as always, thanks for
joining me this morning. Well, going through any life transition
is easier when we aren't doing it alone. And that
applies to a new baby, a death of a loved one,
or a death in the family, or and if we

(26:49):
have to do it alone. If we can have some
guidance along the way, it makes it easier and we
can avoid costly mistakes. So as you prepare to retire,
don't forget about some of your best resources for advice,
the people right around you that you trust and love
the most. When you have plans for your retirement but
aren't sure if they make any sense, talking to those

(27:11):
who are closest to you can start this important conversation.
You need the sounding board to shed light on anything
that you may have missed, and believe me, it's easy
to miss a lot. So let's bring in Kelly Kelly,
the CEO of Kelly Financial, to go through this list
of important resources and people and the questions you should

(27:33):
consider as you head into retirement. Kelly, good morning and welcome,
and I can almost smell that beautiful, big steaming cup
of heavily caffeinated coffee coming from your telephone.

Speaker 4 (27:47):
Good morning, John, happy to be here with you on
this Saturday morning.

Speaker 2 (27:51):
Well, today we're discussing the people you should speak with
before you retire and some key questions you should ask
for starters, is it really that important.

Speaker 6 (28:02):
Very very important? John?

Speaker 4 (28:05):
Planning for retirement is a milestone that can be so overwhelming,
and often people just want to make the right decision.
But you really don't need to handle it alone. Although
you may have noticed that there's no shortage of experts
when it comes to retirement planning, you should consider seeking
counsel first from those who know you best.

Speaker 2 (28:26):
So who's first on the list?

Speaker 4 (28:28):
The first person on your list should be your spouse
if you have one. It's important to get on the
same page with your partner and set expectations before you retire.
This will stop problems before they arise.

Speaker 2 (28:42):
One might think that you and your spouse would already
know how to spend your retirement. I would think that
makes sense.

Speaker 6 (28:50):
Not exactly.

Speaker 4 (28:51):
A husband may want to start slowing down while his
wife may want to.

Speaker 6 (28:56):
Gear up two.

Speaker 4 (28:58):
Often couples discover these differences late in the game.

Speaker 2 (29:01):
So what should you ask your spouse?

Speaker 4 (29:04):
One question to start with should be what do we
want to do in retirement? Plenty of people retire without
knowing what they'll do once they're no longer working. Putting
a detailed list together of retirement visions you both have
gives each of you an opportunity to dream and share
your goals. Find out.

Speaker 6 (29:25):
If you're on the same page.

Speaker 4 (29:27):
It's a time to listen, discuss your preferences, and make
any necessary compromises.

Speaker 2 (29:34):
It does sound smart to work together, whether it's cooking
dinner or planning for retirement.

Speaker 4 (29:40):
It is another question, maybe should we downsize before retirement.
In addition to thinking about where you live, how you
live matters too. Is important to note that your monthly
budget will likely need to change in retirement once you
no longer have a steady paycheck and are bringing in
less income. Downsizing your spending well before retirement is a

(30:04):
gradual way to cut your monthly expenses without filling the
shock of this adjustment all at once. Then you can
consider getting rid of one of your cars or possibly
downsizing to a smaller home.

Speaker 2 (30:17):
Well. Getting used to a smaller budget ahead of time
sounds like good planning, Kelly, what's next on the list?

Speaker 6 (30:24):
Again?

Speaker 4 (30:25):
If you have them, you should speak to your adult children.
Many retirees talk about the joys of families, so including
them in your retirement planning is key, as they too
have lives of their own.

Speaker 2 (30:38):
And what would you ask them?

Speaker 4 (30:40):
An important question is where will you be living when
I retire? Adult children can be the bedrock of help
as you grow older. Knowing where they plan to live
can help you choose where you'll retire. Plus, it's likely
this will be where your grandchildren are too.

Speaker 2 (30:58):
We know that people planning for retirement maybe worrying about
their health. That's not uncommon. Adult children can also be
included in these discussions about your care as you age.

Speaker 4 (31:10):
That is true, which brings me to the next person.

Speaker 6 (31:14):
Your doctor.

Speaker 2 (31:16):
Really, people who are planning to retire will talk to
their doctor about it absolutely.

Speaker 4 (31:22):
If you're seeing the same doctor you've had for years,
they'll definitely be able to offer unique insights and advice
for a healthy retirement.

Speaker 2 (31:33):
Well, like what, for instance, well.

Speaker 4 (31:35):
You may want to know what's helped your patients adjust
well to retirement. Your doctor is likely to have other
patients in a similar season of life as you are in.
They may give advice on healthy habits, suggestions for ways
to stay active, or activities that can keep your mind engaged.

(31:57):
Your doctor could also answer, is there something in my
medical history that would impact my future health? Although it
may be hard to hear, having your doctor be honest
about any health concerns can help you be prepared ahead
of retirement.

Speaker 2 (32:14):
Well, that does make perfect sense, Kelly. Who else should
people talk with before they retire?

Speaker 4 (32:19):
If you have close relationships with any siblings, bring them
into the conversation too. It can be really helpful, and
you may even want to make plans to live nearby.
You may want to ask them what do you think
will be the most challenging for me in retirement? Since
they have known you most of your life, they're probably

(32:40):
some of the best people to answer this question.

Speaker 2 (32:43):
These were all great questions to consider, Kelly, But as
you know, getting ready to retire raisers even more so.
What should our listeners do next? What's the next level
of planning? The next step?

Speaker 4 (32:56):
Getting answers to your questions will help you build the
right strategy to fund your retirement and enjoy the lifestyle
you and vision. The advisors at Kelly Financial will listen
and help you decide if now is the right time
to retire. We also have a free investor guide called

(33:16):
You've reached the Retirement Summit Now What? That answers four
additional retirement questions on longevity, cost of living, timing, and
income planning, so you can consider all circumstances and confidently
move into this next stage.

Speaker 6 (33:34):
Of life.

Speaker 2 (33:35):
I'm sure this is a relief to our listeners, Kelly,
so thanks again to get the guide and make a
complimentary appointment with the Kelly Financial Advisor called eight eight
eight eight hundred eighteen eighty one or email Kelly at
Kellyfinancial dot org. That's all the time we have for
this segment. We'll be back in a little bit. Thanks

(33:55):
for joining me, and when we do come back, we'll
talk about how an employer, a colleague, your financial advisor,
and even you yourself are also VIPs, very important people
to talk to before you retire. You're listening to Safe
Money Strategies the radio show heard right here on WRKO
and streaming on the iHeart app. Stay tuned and we

(34:18):
will be back in a flash.

Speaker 3 (34:24):
Safe Money Strategies with John Biddris and Kelly Kelly. Call
Kelly Financial on eight eight eight hundred eighteen eighty one
or go to Kelly Financial dot org.

Speaker 4 (34:37):
This holiday season, Kelly Financial will host their second annual
Toys for Tot's Drive between December second and twenty third.
Simply drop off a new unwrapped toy at either our
Braintree or Burlington locations. We encourage anyone to contribute what
they can by putting gifts in the hands of children
in need this Christmas, making it a true season of giving.

Speaker 6 (35:00):
For more information, call eight.

Speaker 4 (35:01):
Eight eight eight hundred eighteen eighty one or go to
Kellyfinancial dot Org.

Speaker 6 (35:06):
Thank you.

Speaker 4 (35:07):
I'm Kelly Kelly on behalf of all of us at
Kelly Financial Services. We want to wish you and your
family a merry Christmas and a happy and prosperous New Year.

Speaker 5 (35:18):
I'm Mary Madeline Kelly.

Speaker 13 (35:19):
This time of year may be cold, but the warmth
of Christmas helps all of us remember that family and
friends and our health will always be our real wealth.

Speaker 7 (35:27):
And I'm William Kelly Junior.

Speaker 8 (35:29):
We hope you get the chance during this wonderful time
of year to be with those special friends and family members.
And let's not forget those less fortunate this Christmas season,
especially in our prayers and generosity.

Speaker 4 (35:40):
From the Kelly family to yours.

Speaker 6 (35:42):
Merry Christmas and happy New Year.

Speaker 4 (35:45):
Kelly Financial Services with offices in Braintree and Burlington.

Speaker 3 (36:07):
Safe Money Strategies with John Budris and Kelly Kelly. Call
eight eight eight hundred eighteen eighty one or go to
Kelly Financial dot Org.

Speaker 2 (36:22):
And we're back. I'm John Boudris, the co host of
Safe Money Strategies. Thanks for joining me this morning. Now,
the thought of retirement can make people feel both excited
and anxious. These are two sizes of the same coin.
Why do folks feel that anxiety because of the what ifs?
The future has many unknowns and you may have several

(36:44):
questions about your retirement that you need help getting some
answers to. So whom do you ask? Those with useful
insights are much closer than you may think. Let's bring
back Kelly Kelly, the CEO of Kelly Financial, to shed
some more light on what important and questions you should
be asking and from whom before you enter retirement, and

(37:05):
particularly in that final phase of planning. Kelly, good morning
and welcome.

Speaker 4 (37:10):
Good morning, John, Happy to be back with you on
this Saturday morning. Did you grab your second cup of coffee?

Speaker 2 (37:16):
I've got it right here. In our last segment, we
started going through the list of people one should approach
before they retire when they have questions that kind of
nag on them, giving them sleepless nights, and we focused
on people in their personal circles, their spouses, their children's siblings,
even their doctor. So let's expand that circle to include

(37:38):
their employer, their financial advisor, and perhaps some colleagues.

Speaker 4 (37:42):
Sure, John, let's jump right in. Planning for retirement is
an important milestone, and asking the right questions before you
quit your job will ensure it's a smooth transition. And
obvious person you should approach before you were.

Speaker 6 (38:00):
Hire is your employer.

Speaker 4 (38:02):
Understanding what retirement options are offered is crucial to maximizing
any benefits. As you're trying to get your ducks in
a row, be sure to ask what retirement benefits am
I eligible for? Employer sponsored plans may include four oh
one k's, four to oh three b's, employee stock plans,

(38:25):
and pension plans. Employers who choose to offer such benefits
must follow government enforced policies, so get familiar with those
in order to make wise financial decisions. If you're not
sure about matching, ask do I contribute to my four
oh one K or other retirement plan. Since employer contributions

(38:50):
boost your retirement savings, you'll want to take advantage of
any matching contributions they offer. Be sure to determine what
percentage they'll match based on your own contributions. It may
vary across different employers, So ask do I have cash
in my four oh one K as soon as I retire?

(39:11):
Typically this is not the case. Usually you can either
leave the funds in your four oh one K account,
roll them over into an individual retirement account an IRA,
or buy a fixed income annuity with a portion of
your four oh one K. Check any IRS rules regarding

(39:32):
withdrawals if you need to initiate one.

Speaker 2 (39:36):
Every one of these is important to address ahead of time,
and way ahead of time if you can. What's next
on the list.

Speaker 4 (39:43):
Kelly Well, one could approach a trusted colleague. You likely
went to work with this person every day. There's someone
who knows you and knows the company. You might ask
if you or me, would you retire at this stage,
because it is important to ask questions that can get
to the root of why you're retiring now. Talking to

(40:05):
your colleague will give you an objective perspective. You want
to be sure you're retiring for the right reasons and
not prematurely because you feel stuck in your job or
don't like your boss.

Speaker 2 (40:16):
Well, it is important to think that one through. Since
we are talking about financial decisions, what about a financial advisor.

Speaker 4 (40:23):
The most important conversations of all happen in your financial
advisor's office. They're the ones who'll have the full picture
of what your assets look like and can best advise
on whether taking steps into retirement should happen now. We
often hear several different questions when clients are preparing to retire.

(40:44):
The first one is can I afford to retire? Your
advisor can help you figure out whether you can afford
to stop working. By looking at your current annual budget,
you can determine.

Speaker 6 (40:56):
How long your money will last.

Speaker 4 (40:58):
By doing this, you may discover that, yes, you are
ready financially to retire. However, some people don't have enough
to retire and find themselves having difficult talks with their advisors.
But this conversation can help them face the reality that
they'll need to work a bit longer. This could be

(41:18):
because of their expenses or sources of retirement income, so
it's better to discover this now before retirement, rather than
later when you're struggling to get by. Another big question
we hear is when should I consider retiring. The age
at which you choose to retire will depend on a
few variables.

Speaker 6 (41:39):
You may still enjoy your.

Speaker 4 (41:41):
Job and want to work beyond the traditional retirement age.
Your employer or your health may make the decision for you. However,
another factor to consider is what is happening in the
stock market as you're nearing retirement. If the markets are
in a decline, it may be prudent to wait until
the market recovers before you quit working.

Speaker 2 (42:03):
Well, it's great that your team has this kind of experience.
Is there anyone else well?

Speaker 4 (42:08):
I think the most important person you should have your
first retirement discussion with is you. Perhaps ask yourself, why
am I retiring and what does it mean to me?
Look at this next chapter of your life as a
new adventure. Although you'll be waking up every Monday morning

(42:29):
to a new routine, stay confident as you transition into retirement.

Speaker 2 (42:35):
I'm sure our listeners feel reassured by hearing all of
these recommendations Kelly, and thanks again. Is there somewhere our
listeners can go to get additional answers about retirement planning?

Speaker 4 (42:47):
Sure, John, We tell our clients not to panic about
this big life change. You are not alone with your
retirement decision. The advisors at Kelly Financial are there to
take you step by step through this period of financial
planning so you can make better informed decisions and sleep

(43:09):
at night. We also have a free investor guide called
You've Reached the Retirement Summit Now What. It tackles some
of the questions we discussed today, as well as providing
easy to read charts, relevant investor case studies, and a
checklist of smart money moves that will maximize your assets.

Speaker 2 (43:32):
This has been really useful, you know what I have
to say it I wish I had talked to you
more about this when I was in this phase, So
thank you, and to get the guide into make a
complimentary appointment with a Kelly Financial advisor called eight eight
eight eight hundred eighteen eighty one or email Kelly at
Kellyfinancial dot org. That's all the time we have for now,

(43:53):
and thanks again so much for joining me today and
you're listening to Safe Money Strategies your show heard right
here on WRKO and streaming on the iheartapp. Don't go away.
We will be back in just a moment.

Speaker 1 (44:08):
Then.

Speaker 3 (44:14):
A very happy festive season from all of us, said
Kelly Financial Services. Call eight eight eight eight hundred eighteen
eighty one or go to Kellyfinancial dot Org.

Speaker 4 (44:28):
I'm Kelly Kelly from Kelly Financial. If you're unsure about
transitioning into retirement, Kelly Financial has a free investor guide
that might help. It's called You've reached the Retirement Summit Now.
What it contains insights on longevity, cost of living, and
income planning to help you decide if now is your
time to retire. For the guide, call eight eight eight

(44:49):
eight hundred eighteen eighty one or email Kelly at Kellyfinancial
dot org. We're Kelly Financial. Come retire with.

Speaker 3 (44:57):
Us safe money strategies. Call eight eight hundred eighteen eighty one. Well,
get to Kellyfinancial dot org.

Speaker 11 (45:07):
Welcome back. I'm Mike Dussett. In joining me in the
studio this morning is Charlie Gable.

Speaker 7 (45:11):
Charlie.

Speaker 1 (45:12):
After a prospective.

Speaker 11 (45:12):
Client has done their research and chosen a knowledgeable and
experienced advisor to receive that year and second opinion, what
steps should they expect to see during that initial investment review.

Speaker 12 (45:24):
Well, a good place to start any review would be
with a breakdown of the current investment allocation. Most investors
are probably familiar with that pie chart that's commonly found
on investment statements. A review should include this analysis for
each account as well as a snapshot for their entire portfolio.
The analysis is important because it provides the equity to

(45:45):
fixed income percentages. In these percentages help investors understand how
much risk is present in any of their accounts. Making
sure an investor is comfortable with the current mix of
equities to fixed income is an important step to determine
whether or not the current allocation is appropriate for that
particular person.

Speaker 11 (46:04):
Now sounds like a pretty obvious step, but I can't
tell you how many times I've met with the prospective
client that didn't know the current allocation. Now, as people
get closer to retirement age and closer to that time
when they'll start needing to take withdrawals from their investment accounts,
it's typically advisable to increase the fixed income percentages and
reduce the equity exposure. Understanding these percentages is key.

Speaker 12 (46:27):
Yeah, I agree, and our view process really takes a
step further by providing clients and perspective clients with an
actual risk score.

Speaker 2 (46:35):
So we use.

Speaker 12 (46:36):
Software that quantifies the amount of risk present in any
particular allocation. It's a straightforward, easy to understand breakdown that
not only provides the standard pie chart, but also provides
what we refer to as the portfolio efficiency rating. Now,
this efficiency rating is telling us if you're being adequately
rewarded for the amount of risk present in your portfolio.

(46:59):
We've all heard of risk versus reward, and our analysis
measures this actual correlation.

Speaker 5 (47:04):
Jlly.

Speaker 11 (47:05):
When we talk about portfolio diversification, we're not only talking
about the mix between equities and fixed income. There are
other factors as well.

Speaker 12 (47:13):
Correct, Yeah, for sure, Mike. There can also be diversification
amongst different investment vehicles that are being utilized in a portfolio.
These vehicles could include things such as mutual funds, exchange
traded funds, stocks, bonds, options, and money market accounts, along
with others. Understanding what investment vehicles exist in your portfolio

(47:35):
is a conversation that should have been discussed during the
account opening or onboarding process.

Speaker 11 (47:39):
A second opinion should also document past performance in determine
the appropriate benchmarks. Now, past performance does not guarantee future returns,
but it does provide investors with an understanding of how
a portfolio has reacted to economic conditions in the past.
Benchmarks allow investors to gauge the relative performance of their
portfolio compared to investments in similar categories. Are you holdings

(48:03):
underperforming or outperforming pay groups?

Speaker 12 (48:06):
And the final piece of a comprehensive review or a
second opinion should consist of a feed breakdown. Investment fees
can be assessed in a number of ways. They could
include things like ongoing management fee, fund expense ratios, upfront commissions,
trading or transaction fees, or even annual account fees, and
a planning fee.

Speaker 11 (48:26):
Many people believe it's perfectly logical to get a second
medical opinion when their life is on the line, but
often people are hesitant to get a second opinion regarding
their financial health, even though their retirement may be on
the line. Don't make the same mistake.

Speaker 12 (48:39):
Yeah, give us a call today and schedule a complimentary
consultation with our team. You can reach us at eight
eight eight eight zero zero one eight eight one, and
again that number is eight eight eight eight hundred eighteen
eighty one, or visit us online at Kellyfinancial dot org.
And with that, my name's Charlie Gable.

Speaker 11 (48:57):
And I Mike you said, join us next week for
more safe money strategies.

Speaker 3 (49:06):
In festive greeteas from all of us at Kelly Financial Services.
Call the team on eight eight eight eight hundred eighteen
eighty one or go to Kelly Financial dot org.

Speaker 10 (49:21):
I want to talk to you about Kelly Financial Services.
You probably have some idea of how you'd like to
spend your retirement, taking vacations with family, enjoying the hobbies
you love, or even setting up a business. The possibilities
are endless. If you start putting the right financial strategies
in place today, you could have the lifestyle and well

(49:42):
funded retirement you'll need in the future. Kelly Financial have
been providing financial advice to the people of Greater Boston
for over twenty one years. Through their safe Money strategies.
The advisors at Kelly Financial can walk you through the process,
step by step to set you on the path to
achieving your fi financial goals and the retirement you've always

(50:02):
dreamed of. To set up a complimentary retirement consultation with
a Kelly advisor, call eight eight eight eight hundred eighteen
eighty one eight eight eight eight hundred eighteen eighty one
or email Kelly at Kellyfinancial dot org. That's Kelly at
Kelly Financial dot org.

Speaker 3 (50:20):
Festive gree teams from all of us at Kelly Financial
Services call the team on eight eight eight eight hundred
eighteen eighty one or goated Kelly Financial dot Org.

Speaker 17 (50:37):
A Huffy bike. A Huffey bike, to me, was about
the coolest thing a kid could ever have. When I
was eight, I got a Huffy bike for my paper
route and I had dual baskets on the back of that,
and I used to polish it just like you'd polished
the finest sports car on earth. To me, it was

(50:59):
everything that bike, and I would use automobile polish on it.
I remember some winter nights I'd be out on the
porch polishing my Huffy bike. I can remember it just
as clearly as it was yesterday, and making sure the
gears were oiled and making sure the brakes worked. If
you could just imagine riding down a snowy street on

(51:21):
a Huffy bike, which was back then a three speed bike,
in the middle of winter with one hundred and fourteen papers.
It was very difficult to stop on ice, and what
would happen is the bike would start to go out
from under you and it would go sideways, and you'd
have to try and land on the ground if you
could upright, as the bicycle gave way underneath you, and

(51:43):
that was the ultimate problem you had, trying to get
one hundred and fourteen papers delivered in the middle of winter.
People don't believe that there was a bailey Brook farm
where I grew up because it seems so out of
sync with what's happening nowadays. The chickens, the dogs. The
lane that led up to our home was an adventure

(52:07):
in itself. We knew every bump in that lane by heart,
and we lived three quarters of a mile from the
main road. If you can believe that I walked to school,
it was exactly a mile and a half, so it
wasn't terrible. But we did that winter, summer, spring, fall, June, September, November,
and it was out the door at seven point thirty

(52:29):
and it was hi, I'm home at three thirty. So
we carried our lunches. We would eat lunch and then
head out for an hour of recess, running around at
the top speed. We could go, raising caine, having fun,
making gangs. So that is a bygone era for sure.
My older brother started to sell encyclopedias, and the first

(52:51):
thing he did was sell us a set of encyclopedias
and the dictionary that came with. That thing was about
three feet tall and it had screws in the spine.
You screwed the dictionary together. That dictionary was to stand
on at the front window because you could look down
the lane by the brook and you could see cars coming,

(53:12):
like from a mile away. And if we were home alone,
we had well, the lights would bob because the road
was rocky, wasn't paved, so we would know when our
folks were coming home by the bobbing. We'd have like
two minutes to clean, minute and a half, forty five seconds,
thirty seconds, and then sometimes we had to lock the
back door. We never locked it so but if we

(53:34):
needed an extra forty five seconds or a minute to clean,
you know, we would be fine. My life, as far
as what I can remember as a child, the fields,
the sunny days, the winter snowdrifts, the play, the family dinners,
It's like a dream, ladies and gentlemen that I think
sometimes I never lived that life. I just dreamt it,

(53:57):
And now I'm facing a reality that is so challenging.
Sometimes I have to wonder are we up for this.
I believe that we are up to it, and we
will prevail. And I appreciate you listening, and we'll be
right back after these brief messages.

Speaker 3 (54:31):
Kelly Financial, sentence is cool at eight eight hundred eighteen
eighty one.

Speaker 14 (54:38):
I'm Kelly Kelly, I'm Mary Madeline.

Speaker 1 (54:41):
Kelly, and I'm Waved Kelly Junior.

Speaker 14 (54:43):
And that's Georgia, our dog at Marshall the cat.

Speaker 4 (54:46):
Together we're decorating the tree, getting ready for Christmas. Georgia,
please put down that tinsel.

Speaker 1 (54:51):
Marshall, take that saying out of your.

Speaker 14 (54:53):
About William Quacky's money away with Santaime.

Speaker 1 (54:56):
Mom, keep the tree study, I'll get the cat.

Speaker 6 (54:57):
Why do we have this drama every year?

Speaker 1 (54:59):
I've gone but say this head is missing?

Speaker 14 (55:02):
Oh no, I think there's another one in the box
of lights.

Speaker 1 (55:05):
What just the head of the complete said William.

Speaker 14 (55:07):
Georgia and Marshall. William doesn't need your Halliam. Please pass
me the lights, Marshall. The light's not a toy. Give
them to me.

Speaker 6 (55:15):
Be careful, mir Madelin.

Speaker 4 (55:16):
He's wrapping them around the tree.

Speaker 1 (55:18):
Marshall, stop running with them. Doups.

Speaker 15 (55:23):
Marshall, look what you've done.

Speaker 4 (55:24):
And Georgia stop eating the presents from all of us,
said Kelly Financial. We wish you a very happy, festive
and restive holiday season and a very bright and happy
New Year.

Speaker 3 (55:38):
Festive greetings from all of us, said Kelly Financial Services.
Call the team on eight eight eight eight hundred eighteen
eighty one. That's eight eight eight eight hundred eighteen eighty one,
or go to Kelly Financial dot org.

Speaker 18 (55:58):
The news break is coming up, and during the break,
take the time to give a call at eight eight
eight eight hundred eighteen eighty one and make that all
important first step to secure your retirement future. Talk things
through with a financial advisor about any aspect of retirement
or money management, whether it's your portfolio, concerns about healthcare,
or if you're tossing around the idea of relocating or

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

(56:42):
So call us at eight eight eight eight hundred eighteen
eighty one, or visit us at Kelly financial dot org
and raise a toast to your financial future. Eight eight
eight eight hundred, eighteen eighty one. Kelly Financial Services with
offices in Braintreet and Burlington. All right, see you next week,
expressed by the host his guests where employees of Kelly

(57:02):
Financial Services are solely their own and do not reflect
the opinions of Kelly Financial Services. 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

(57:23):
experience as a client of Kelly Financial Services, Kelly has
waived the host's advisory fee in full. Because of this arrangement,
where the host receives compensation in the form of a
fee waiver, the host has an incentive to recommend Kelly
Financial Services, resulting in a material conflict of interest,