Kelly Financial: Saturday, January 03, 2026

See omnystudio.com/listener for privacy information.

Episode Transcript

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

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.

Speaker 1 (00:29):
And practical advice.

Speaker 2 (00:31):
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,
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

(00:51):
a pillar in New England finance, an engineer turned entrepreneur,
author and philanthropist who believed in giving back and walking
the talk. Since our show has remained a Saturday morning staple,
offering insight and empowerment. Here at Kelly Financial, we help
steward over seven hundred million dollars across our affiliated business,
including more than five hundred million dollars managed by our

(01:13):
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
Charlie Gable, Mike Ducett, Greg Workman, Greg Murray, my sister
Mary Madeline, and Tom Schlager. We live by two rules,

(01:34):
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 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
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 Youngest
where I sit down with my son William Kelly Junior,
and we talk about life, what's going on in the world,
and our family and what really matters most when you're

(02:35):
planning for the future. Sometimes it's light, sometimes it's thoughtful,
but it's always real. Good morning, William.

Speaker 1 (02:42):
Good morning Mom. How are you?

Speaker 4 (02:44):
I'm doing great? How about yourself?

Speaker 2 (02:46):
Fantastic? It was a wonderful Christmas time, as we spoke
about last weekend, and we also had a wonderful New Year,
didn't we?

Speaker 4 (02:53):
We certainly did. I can't believe as twenty twenty six, neither.

Speaker 2 (02:58):
And Louie Lily was over and she stayed and her
mom abandoned her.

Speaker 4 (03:04):
Oh stop it, William.

Speaker 1 (03:05):
She went to some place where Does she go?

Speaker 4 (03:07):
Arizona?

Speaker 2 (03:08):
Arizona with Timmy? And I'm sure they had a wonderful time.

Speaker 4 (03:14):
Actually she returns today, does she? Yes?

Speaker 2 (03:16):
I didn't even know that. Yes, that's great. Sorry, my sister.
She just travels like every single weekend. It feels like
it's like she's going to Japan, to Italy.

Speaker 1 (03:25):
To Greece.

Speaker 2 (03:26):
It's like we never see her. It's almost like she
doesn't love her family.

Speaker 4 (03:30):
Time to stop at, William. But she does love us.
She's a little travel.

Speaker 2 (03:34):
Bu You know, we forgive her, obviously, and you know
we turned the other cheek to that, and we just say,
Mary Mandlin, we forgive you, and we hope that you
know you'll love us one day and her dog is amazing.
It was like a double wind. It's like Mary Madaline
got to go and we got.

Speaker 1 (03:51):
All a Mellie to us.

Speaker 4 (03:53):
So Melly is adorable.

Speaker 2 (03:55):
She's perfect. She's a perfect puppy.

Speaker 4 (03:57):
She fits him with Marshall and Georgia.

Speaker 2 (04:00):
She loves her brother and sister. Mellie does a fantastic job.
She's super she's a great guest, super curious. A couple
you know, potty accidents here and there, but you know
what happens. True, she's only a baby, so you know
she can't help that.

Speaker 4 (04:16):
But at least we have the equipment to get it up.

Speaker 1 (04:19):
True.

Speaker 2 (04:19):
And she's got a good attitude, you know. She makes
her stay worthwhile.

Speaker 4 (04:23):
She travels with Georgia to playgroup twice a week week.

Speaker 1 (04:27):
Yes she does. She goes on walks.

Speaker 2 (04:30):
She's just always grateful, never complains. Mellie never complains. Georgia
complains a little bit sometimes. Marshall, he's got a little
complain in going on. But Mellie never complains, never fusses.
I think we could all learn a lot from Melly.

Speaker 4 (04:42):
I hear she's the star of the show. What playgroups.

Speaker 1 (04:45):
She is.

Speaker 4 (04:46):
Everyone loves her, all the dogs love.

Speaker 1 (04:48):
Her, and she plays at the ball.

Speaker 2 (04:50):
But she's not as aggressive as Georgia, so nobody gets
mad at her. Her friends at playgroup respond really well
to that. True, So she's doing good.

Speaker 1 (05:00):
That's right.

Speaker 2 (05:02):
Thanks for entrusting us with your daughter.

Speaker 4 (05:07):
I love it.

Speaker 2 (05:07):
It was I love it. So we got hammered on
New Year's Day, Mom and I we just we were
drinking so much.

Speaker 4 (05:15):
William blasted, where did this come from?

Speaker 1 (05:21):
I'm kid. We had a nice dinner. We had a
great New Year's I.

Speaker 4 (05:25):
Know, in New Year's Eve. We even we went to
Bullfrog Fit.

Speaker 1 (05:28):
We did, That's correct, We even.

Speaker 4 (05:30):
Went on Christmas Day.

Speaker 1 (05:31):
I know, right, Yeah, I'm shocked.

Speaker 2 (05:33):
But like we ate so much processed food that day
and chocolate and stuff.

Speaker 1 (05:37):
Oh really we got it was worth it though. It
was good. That was awesome.

Speaker 4 (05:42):
It was good food, but then the candy and chocolate
between was not not good.

Speaker 2 (05:48):
A lot funny, A lot of the folks that I
know at the gym, proud of the folks there were.

Speaker 1 (05:54):
We're so funny.

Speaker 2 (05:55):
They're they're saying the same thing, like I ate so
much processed food today and I'm just like, yeah, this
is why.

Speaker 1 (06:01):
Why we're here too, and.

Speaker 4 (06:04):
When you trained me my first stay there I did.

Speaker 1 (06:07):
That's right, ladies and gentlemen.

Speaker 2 (06:09):
Mom did a great job, Thank you, William. He's great
at working out, honestly, for someone who is who hasn't
gone to like a commercial gym with a bunch of
machines in a long time, and someone who's not really
familiar with.

Speaker 4 (06:21):
It in many, many years.

Speaker 2 (06:23):
Yeah, it's you're active, but you haven't gone to a gym,
you know what I mean. You know I am active,
So she hasn't used like exercise machines, she's not familiar
with it.

Speaker 4 (06:32):
I can't leave how much they've advanced.

Speaker 1 (06:34):
They have a lot, and a lot of them are old.
Some of the old ones are gold.

Speaker 2 (06:38):
I'll have to say that Mom did a fantastic job.
Very low learning curve for you, which is very thank
you William.

Speaker 4 (06:44):
You were very serious and you did like if I
had to give you a grade, the grade would be
an A wow, that's huge. You really you were good.
You were excellent. Made it easy I appreciate even though
it was not easy, but you are very you. The
way you described what I needed to do was that
it's easy to comprehend and do it, and you motivated me,

(07:08):
and I like how you count?

Speaker 2 (07:11):
How do I count?

Speaker 4 (07:12):
Well, you break it into fives typically, and then it's backwards,
you know, like if there are five more reps, then
you know whatever, you switch it up as never the same,
so I don't feel like I'm doing as many as
I am.

Speaker 1 (07:26):
That's the secret.

Speaker 4 (07:27):
Because if I like, like, certain machines are a little
bit harder, you know, So when you tell me the
number I have to do, I'm thinking, like when I'm
into two, and I'm thinking, oh my gosh, like if
I if we went straight through it, I don't know,
it would be harder for me.

Speaker 2 (07:46):
It's more it's all psychological.

Speaker 4 (07:48):
It certainly is.

Speaker 2 (07:49):
Yeah, that's one of the best bodybuilders of all time.
Tom Platts had huge legs. Ladies and gentlemen, look them up.
Tom Platts P.

Speaker 4 (07:58):
L A.

Speaker 2 (07:58):
T Z. He squatted five hundred and twelve pounds for
thirty something reps.

Speaker 1 (08:04):
And this guy went in a row consistently.

Speaker 5 (08:08):
William, this guy's strong, and this gentleman he came up
with accounting for fives thing that was That was his
kind of part of his claim to fame, and it
works if you have really high reps and really heavy
weight going on and it's like really stressing you out,
just do it in fives.

Speaker 2 (08:28):
Just doing it fives and it helps so much. So
when you need that little cycle, other little tricks, you
know what I mean. And then if Mom, if I
see she's you know, she's a little too happy.

Speaker 1 (08:36):
I see a smile on her.

Speaker 2 (08:37):
Face, I put my hand on the weight and push
it down, yeah a little bit.

Speaker 1 (08:42):
Yeah, because she needs challenge.

Speaker 2 (08:43):
We're here to challenge ourselves and not.

Speaker 1 (08:46):
Not getting easy work out.

Speaker 2 (08:47):
And Mom, whenever she says, man, this is hard, that
means I'm doing the right thing.

Speaker 4 (08:52):
There was one machine that you thought was on a
lighter weight and I'm like, dying, Yeah, hamstring curl, Yeah,
I'm thinking there's a little must have weak hamstrings.

Speaker 1 (09:05):
I'm thinking too.

Speaker 2 (09:06):
And I load it or I look at it and
there's this little knob on there where you can microload it.
You can hah like five, ten, fifteen pounds and you
can twist it to choose which one. And it was
on the weight itself was on thirty pounds, but the
little microloader was on fifteen. So it's forty five pounds,
and I was thinking, I.

Speaker 4 (09:27):
Kept saying, this feels like fifty pounds, so that I
could do it. But it just for the first time,
it felt a little yeah, you know, like maybe a
little little.

Speaker 2 (09:37):
Hamstrings are pretty equally strong, which is a good sign.

Speaker 1 (09:41):
Means you have a well balanced leg.

Speaker 2 (09:44):
I think my preschool teacher who is now a trainer
who's going to train you. He's a fantastic trainer. She's
a strong woman, she's very knowledgeable, she's great with clients,
and she's close.

Speaker 1 (09:56):
To age with my mom. Yeah, so they're both I
think thirty years old. Yes, yes, and they'll be training.

Speaker 4 (10:02):
Just past twenty nine. I know, just past thirty nine.
I stayed at thirty nine for years when you were younger.

Speaker 2 (10:09):
Because little kids, they'll tell you the age.

Speaker 4 (10:12):
Oh to everyone at school. So I knew it with
Mary Madaline, so with you, I just, you know, always
said thirty nine, and then I finally turned forty.

Speaker 1 (10:21):
It's funny, it's good with that. It's really funny.

Speaker 2 (10:23):
How many credit cards do your parents have, How old
are they, how much do they weigh? That's another thing
you would be careful about.

Speaker 4 (10:30):
Yeah, you guys talk about how much your parents weigh yes.

Speaker 1 (10:35):
Yes, wow, how old you were. I remember kids would
be like, well the.

Speaker 4 (10:39):
Way thing was it like the bigger the number, the better.

Speaker 2 (10:43):
I suppose that's probably all kids would think.

Speaker 4 (10:45):
And with credit cards, the more credit cards the better.

Speaker 1 (10:48):
I suppose.

Speaker 2 (10:50):
I remember one girl was like, my dad is you know,
he's a firefighter.

Speaker 1 (10:53):
You know what I mean.

Speaker 2 (10:54):
It's like you're bragging on what your parents do. Yeah,
it's brutal, it's competitive, it's scary, you know what I mean.

Speaker 4 (11:00):
Yeah, so we're talking was this kindergarten first grade?

Speaker 2 (11:02):
Kindergarten first grade, and the second grade kind of goes
away immature.

Speaker 4 (11:09):
It's been so long now it's hard to remove.

Speaker 2 (11:11):
You talk about more mature topics like dinosaurs and math
and stuff.

Speaker 1 (11:15):
So you upgrade a bet at that time too cute.
Oh yeah, well I think that's all we have to
talk about today.

Speaker 2 (11:22):
It was really a simple time, and I think we
had a one of the most successful Christmases that we've
had in a long time. It was nice twenty twenty five.
It was just such a wonderful year. We got a
lot done.

Speaker 6 (11:33):
We did.

Speaker 1 (11:33):
I would say it's probably the best year I've ever had.

Speaker 4 (11:36):
Shoot you became an author.

Speaker 1 (11:38):
Yeah, I wrote a book, started some companies. I got
a lot of work done.

Speaker 4 (11:43):
Yes, yes, you start in the college exactly. College will
begin Briant University.

Speaker 1 (11:49):
If you guys want to very.

Speaker 4 (11:52):
Come over and say, well, we'll give you a tour.

Speaker 1 (11:55):
I will. I'm so excited to go to this school.

Speaker 2 (11:59):
It's a actually quite a conservative school, believe it or not,
from what I've heard.

Speaker 1 (12:03):
I know a gentleman who works for Turning Point USA.

Speaker 2 (12:06):
He's a friend of a friend, and he said whenever
he went to Bryant to start a chapter, and you know,
it's rigorous in the Northeast because schools are extremely liberal,
like not like liberal, but I mean like like left
wing to the point of like, okay, this.

Speaker 1 (12:19):
Is anarchy, you know what I mean.

Speaker 2 (12:20):
Like it's bad, not like a normal like Kennedy Democrat
type of liberal.

Speaker 1 (12:25):
But I digress.

Speaker 2 (12:26):
He goes to Bryant, sets up a chapter and like
within the first day, gets two hundred kids, wow to
sign up.

Speaker 4 (12:32):
Incredible.

Speaker 2 (12:33):
Truly is they're just a business focused school. Not even
that they're political. They really aren't that political. So what
I mean by conservative is that they're not really political
and they're just such a business focused school and all
they care about is, you know, like career. It's it's
incredible to find a college like that. I feel like
our money's not being wasted. They also gave me a
scholarship with which.

Speaker 1 (12:54):
Helps a lot as well.

Speaker 2 (12:55):
I was, you know, very awesome to see that true,
and hopefully they'll have a lot of opportunity there. I'm
looking forward to making, you know, some some connections and
meeting a lot of people with similar interests.

Speaker 4 (13:07):
And absolutely it'll be a good time.

Speaker 1 (13:09):
Yeah.

Speaker 4 (13:10):
Yeah, And we'll still connect on Saturdays for for hour forever.

Speaker 1 (13:14):
Ye still.

Speaker 2 (13:15):
And luckily for freshmen, you're typically not allowed to park
unless you have a job, and so I'll be able
to drive back to the studio.

Speaker 4 (13:20):
We definitely have a job.

Speaker 1 (13:22):
Well, yeah, that's true.

Speaker 2 (13:23):
And I'll be partying so much stock. I'll just be
partying my days away. I'll just I'll never do such
a joke.

Speaker 1 (13:30):
Start.

Speaker 2 (13:31):
I want to have a well, I have to have
over a two point six to keep my scholarship, so
I'll have a two points.

Speaker 4 (13:36):
So you can handle that, how about that? You can
of course handle that, So.

Speaker 1 (13:42):
No doubt they are happy New Year, Happy gentlemen.

Speaker 2 (13:45):
Get your new year's resolutions in gear.

Speaker 4 (13:48):
Yes, baby, do keep us on your dial. We've got
a lot of great content coming your way. Mike do
Said and Greg Workman will walk through why January is
a natural time to step back, get organize, and start
with a real retirement plan, not just investments. Mary, Madeline
Kelly and Greg Murray will explain why the first ninety

(14:09):
days of the year matter most and how a few
early decisions can set the tone for your entire financial year.
When William and I come back, we'll talk about designing
retirement income and lifestyle with flexibility so you can move
forward with greater confidence in a longer retirement. And of
course we'll close the hour with some wit and wisdom

(14:32):
from the late Bill Kelly. His words continue to inspire
and guide us. That's a wrap for forever young. Thank
you for listening, William, thank you for joining me. We'll
be back with more great content. I love you, honey,
he love you too, and you are.

Speaker 7 (14:52):
If you're looking for the perfect gift for a young
person in your.

Speaker 1 (14:55):
Life, I've got it.

Speaker 7 (14:57):
It's a brand new book written by William Kelly Junior
from Kelly Financial Services, and it's called Only the Good
invest Young. This book is powerful. It gives teenagers called
students young adults the roadmap they need to start saving,
planning and investing the right way. And I'll tell you

(15:19):
even people my age, yes and I'm fifty six are
reading it. William actually quotes me the Coooner Man in
the book. I'm in the book. 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

(15:42):
the kooner Man sent you and called eight eight eight
eight hundred eighteen eighty one or email Kelly at Kellyfinancial
dot org. Only the Good invest Young get it today.

Speaker 8 (15:57):
Hello, and welcome to the first Safe Money's Strategy's show
of the new year.

Speaker 6 (16:01):
I'm liked you said, and I'm Greg Workman. Thank you
for joining us today.

Speaker 8 (16:05):
Greg, there's something about the first weekend of January that
feels different.

Speaker 6 (16:08):
It really does. It's a natural reset point.

Speaker 8 (16:12):
People start thinking about fresh starts, new routines, and getting organized,
especially when it comes to their finances.

Speaker 6 (16:18):
And that's exactly what we want to talk about today.

Speaker 8 (16:21):
January is when people tend to say this is the
year I finally get my financial plan in.

Speaker 6 (16:26):
Order, And usually that thought is triggered by one of
two things.

Speaker 8 (16:31):
Either they're coming off a strong market year and wondering
if they should make changes.

Speaker 6 (16:35):
Or they're feeling uncertain and want more clarity and confidence
moving forward.

Speaker 8 (16:40):
What we see all the time is people jumping straight
to the investment conversation what.

Speaker 6 (16:44):
Should I do with my money? Should I move this?
Should I change that?

Speaker 8 (16:48):
But that's not where a good retirement plan actually starts.

Speaker 6 (16:51):
One of the things that really differentiates our approach is
that we don't begin with investments.

Speaker 1 (16:58):
We begin with people.

Speaker 6 (16:59):
And the first step in our process is a simple conversation.

Speaker 8 (17:03):
It's not technical, it's not intimidating, and it's not about
selling anything.

Speaker 6 (17:08):
It's a high level conversation designed to gather some basic
personal information.

Speaker 8 (17:14):
Things like goals, timelines, family considerations, and what retirement is
supposed to look like for you.

Speaker 6 (17:20):
That conversation helps us determine whether it makes sense to
move forward.

Speaker 1 (17:25):
A lot of.

Speaker 8 (17:25):
People are surprised by how important that initial discussion is.

Speaker 6 (17:29):
Because before we ever talk about numbers, we are listening.

Speaker 8 (17:33):
We're learning what matters to you, what concerns you, and
what questions are keeping you up at night.

Speaker 6 (17:38):
That context is critical because two people with the same
account balance can need very different plans.

Speaker 8 (17:44):
And from there, if it makes sense, we could word
an ay time for you to come into the office, but.

Speaker 6 (17:48):
Not before completing something important.

Speaker 8 (17:51):
We ask prospective clients to complete the Safe Money Strategies workbook.

Speaker 6 (17:54):
And this isn't just busy work.

Speaker 8 (17:57):
It's designed to help you and us take inventto of
your entire financial world.

Speaker 6 (18:01):
Income sources, expenses, assets, liabilities, and future expectations.

Speaker 8 (18:08):
It also helps clarify what's certain, what's flexible, and what's unknown.

Speaker 6 (18:12):
Most people tell us that they've never seen everything laid
out in one place before.

Speaker 8 (18:18):
Once that information is gathered, the real planning begins, and
at the very.

Speaker 6 (18:21):
Heart of every solid retirement plan is cash flow.

Speaker 8 (18:26):
We look at what income sources you have today and
what you'll have in the.

Speaker 6 (18:29):
Future social security pensions, investment income and other sources.

Speaker 8 (18:35):
Then we subtract expenses, not just current expenses, but projected
future expenses.

Speaker 6 (18:40):
As well, healthcare, lifestyle changes, inflation, and the unexpected.

Speaker 8 (18:45):
This is where retirement planning becomes real.

Speaker 6 (18:47):
Many people assume their advisor has already done this kind
of analysis.

Speaker 8 (18:52):
But often the focus is primarily on investments and performance.

Speaker 6 (18:57):
Without fully understanding how much income is actually needed and when.

Speaker 8 (19:02):
Cash flow planning answers fundamental questions.

Speaker 6 (19:05):
Questions like will my income last, where will it come from?

Speaker 1 (19:09):
And what happens if markets struggle.

Speaker 8 (19:12):
Once we understand cash flow, we look at assets and
liabilities together, what you own, what.

Speaker 6 (19:17):
You owe, and how those pieces interact.

Speaker 8 (19:20):
This allows us to begin constructing a retirement income withdrawal strategy.

Speaker 6 (19:24):
In other words, which dollars get used first, which are
preserved for later, and which are designed for growth.

Speaker 1 (19:32):
This isn't about chasing returns.

Speaker 6 (19:34):
It's about creating an intentional, coordinated strategy.

Speaker 8 (19:38):
This is where our two step process really becomes clear.

Speaker 1 (19:41):
Step one is designing a written plan.

Speaker 8 (19:43):
That plan takes inventory of your entire financial world.

Speaker 6 (19:47):
It identifies strengths, gaps, risks, and opportunities.

Speaker 8 (19:52):
Only after that plan is in place do we move
to step two.

Speaker 6 (19:55):
Once the plan is built, we then analyze existing holdings.

Speaker 8 (20:00):
Not with the assumption that everything needs to change, but with.

Speaker 6 (20:03):
The question do these investments support the plan that we
just designed.

Speaker 1 (20:07):
If the answer is yes, great, If.

Speaker 6 (20:09):
We see areas where there may be room for improvement,
we'll make recommendations.

Speaker 8 (20:14):
Those recommendations are always driven by the plan, not the
other way around.

Speaker 6 (20:18):
One thing we like to hear from clients after going
through the process is that they feel a sense.

Speaker 8 (20:25):
Of relief because, for maybe the first time, things make sense.

Speaker 6 (20:28):
They understand where their income comes from, how risk is managed,
and what the strategy is.

Speaker 8 (20:34):
Lat clarity helps reduce anxiety, especially during uncertain markets.

Speaker 6 (20:39):
As we kick off a new year, this is a
great time to reset, not emotionally but intentionally.

Speaker 1 (20:44):
Planning isn't about predicting the future.

Speaker 6 (20:47):
It's about being prepared for it.

Speaker 8 (20:49):
When we come back, we'll talk about why having a
written plan matters even more during strong markets, and how
this process helps retirees stay confident no matter what headlines
saying save money strategies.

Speaker 1 (21:01):
Stay with us. We'll be right back.

Speaker 3 (21:06):
Kelly Financial Services eight eight eight eight hundred eighteen eighty one.

Speaker 4 (21:12):
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

(21:34):
eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.

Speaker 9 (21:42):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What would Bill Say? The wit and wisdom
of the late Bill Kelly, who today tests time time.

Speaker 10 (21:53):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a twenty years ago? When's the second best time
to plant a tree? Tomorrow? Today? Whenever you can get
to it, that's the next best time.

Speaker 9 (22:08):
There's no time like the present to begin saving, planning
and enjoying retirement. So download our consumer guide simply called
a Happy Retirement and find six secrets of how you
can spend your time to cultivate happiness and a retirement
well lived. Go to Kellyfinancial dot org or call eight

(22:29):
eight eight eight hundred and eighteen eighty one to spend
some time with one of our financial advisors.

Speaker 10 (22:35):
Time, ladies and gentlemen, it's not too late.

Speaker 9 (22:37):
We are Kelly Financial. Come retire with us.

Speaker 3 (22:42):
The money Wrap with Kelly Financial Advisors Greg Murray and
Mary Madeline Kelly.

Speaker 11 (22:49):
Hello, this is Greg Murray, Senior vice president and chief
of Compliance Officer at Kelly Financial Services. Joining me today
is Mary Madeline Kelly, one of our wealth advisors. How
are you doing today?

Speaker 12 (22:58):
Happy New Year. I am doing great.

Speaker 13 (23:01):
There's something about the first few days of January that
feels like a clean slate.

Speaker 12 (23:06):
People arrested, motivated.

Speaker 13 (23:08):
And starting to think about what they want this year
to look like, especially financially.

Speaker 11 (23:12):
Absolutely, and that's why today's topic is such a good
one to kick off the new year. Why the first
ninety days of the year really matters financially.

Speaker 13 (23:20):
Yes, because while people often think that they need to
overhaul everything in January, the truth is that small, thoughtful
decisions made early in the year can have an outsized
impact over the next twelve months.

Speaker 11 (23:32):
That's a great way to put it. The first ninety
days sets the tone. It's when habits, form plans get
put into place, and momentum builds or doesn't.

Speaker 13 (23:39):
Let's start with retirement savings because this is one of
the biggest opportunities early in the year. If you're contributing
to a four oh one K starting strong in January,
or even increasing your contribution slightly gives you a full
year of compounding.

Speaker 11 (23:54):
And for people who receive bonuses or raises early in
the year, this is the perfect time to capture some
of that increase before for lifestyle spending expands.

Speaker 13 (24:02):
Yes, even a one percent or two percent increase in
your contribution rate can make a meaningful difference over time,
and the best part is once it's automated, you don't
have to think about it again.

Speaker 11 (24:12):
Another big area in the first ninety days is tax planning.
Most people think about taxes in March or April, but
by then many of your options are already limited.

Speaker 13 (24:19):
January is when you want to look ahead things like
roth conversions withholding adjustments, charitable strategies, or planning for r
and ds later in the.

Speaker 11 (24:28):
Year, and it helps avoid the stress of scrambling at
the end of the year, which we just talked about
a lot in December right.

Speaker 13 (24:34):
Another important piece early in the year is reviewing cash
flow and spending.

Speaker 12 (24:38):
This isn't about strict budgeting. It's about awareness.

Speaker 11 (24:41):
And understanding what's coming in, what's going out, and where
there may be opportunities to redirect dollars sort savings or debt.

Speaker 13 (24:47):
Reduction, and the first ninety days are ideal for this
because spending habits haven't fully settled yet. It's easier to
make adjustments now than in July when patterns are locked in.

Speaker 11 (24:57):
Let's talk about investing for a moment. Early in the
year is also a good time to make sure your
portfolio is aligned with your goals, especially after market volatility.

Speaker 12 (25:04):
That doesn't mean making big emotional changes.

Speaker 13 (25:06):
It means checking your allocation, rebalancing if needed, and making
sure your risk levels still makes sense for where you
are in life.

Speaker 11 (25:13):
And of course it's important to remember that investing evolves risk,
including the potential loss of principle. But having a discipline
strategy in place early helps you stay grounded when the
markets get noisy later in the year.

Speaker 13 (25:24):
Yes, planning helps you react less and stay focused on
the long term.

Speaker 11 (25:28):
Another often overlooked area in the first ninety days is
financial housekeeping, things like reviewing beneficiaries, trusted contacts, insurance coverage,
and account consolidations.

Speaker 13 (25:37):
Those aren't exciting tasks, but they're incredibly important and once
they're done, they're done for the year, which gives people
peace of mind.

Speaker 11 (25:44):
So when we talk about the first ninety days mattering.
It's really about intention. You don't need perfection, you just
need direction exactly.

Speaker 13 (25:52):
A strong start doesn't guarantee the perfect year, but it
puts you in a better position to handle whatever comes
your way.

Speaker 11 (25:58):
So let's summarize for our listeners, why do the first
ninety days of the year matter financially?

Speaker 12 (26:02):
Here are the key reasons.

Speaker 13 (26:04):
You can maximize retirement contributions early. You can create flexibility
with tax planning, you set healthy spending and saving habits.
You align your investments with your goals, and you reduce
stress by getting organized early.

Speaker 11 (26:17):
Perfect summary, and I'll add these early decisions compound over time,
just like your investments do.

Speaker 13 (26:22):
Absolutely and at Kelly Financial this is one of our
favorite times of the year to meet with clients, helping
them reset, refocused and build a plan.

Speaker 12 (26:30):
For the year ahead.

Speaker 11 (26:30):
And as always, it's important to remember that every financial
plan is unique and investing evolves. Risk strategies should always
be evaluated based on your individual goals and circumstances.

Speaker 13 (26:40):
Well said, So, if you're listening at the start of
twenty twenty six and want to make sure that you're
starting the year on the right foot, now is a
great time to review your plan.

Speaker 11 (26:49):
That's going to wrap up this segment. If you'd like
help organizing your financial priorities for the year ahead, give
us a call.

Speaker 1 (26:54):
We'd be happy to talk.

Speaker 12 (26:55):
With you for sure. Well, Greg, I will catch up
with you in the next week. Enjoy the rest of
your life.

Speaker 3 (27:00):
To get in touch with Greg Murray or Mary, Madeline
Kelly or any member of the Kelly Financial team called
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 taking care.

Speaker 4 (27:24):
Of Welcome back to Safe Money Strategies right here on
w RKO. I'm Kelly Kelly, and I'm here with my son,
William Kelly Junior. And whether you've been with us since
the top of the hour or you're just tuning in now,
we're really glad you're here this morning.

Speaker 1 (27:46):
We are.

Speaker 2 (27:46):
And as we settle into the start of the new year,
it's a time for people to think a little differently,
especially when it comes to work, retirement and what the
next big phase of life is going to look like.

Speaker 14 (27:56):
That's right.

Speaker 4 (27:57):
The beginning of the year tends to bring reflect, people
take stock of where they are and start asking some
bigger questions about what they want going forward.

Speaker 2 (28:08):
And that's exactly what today's conversation is about, because the
idea of retirement itself is changing.

Speaker 4 (28:14):
For many years, retirement was viewed as a finish line.
You worked full time for decades, reached a certain age,
and then stepped away completely.

Speaker 2 (28:25):
But today retirement often looks more like a transition than
a hard stop.

Speaker 4 (28:29):
Across the country, more people in their late sixties and
early seventies are continuing to work in some capacity, not
necessarily full time, and not necessarily in the same role
they had.

Speaker 2 (28:42):
Before, And often it's not because they have to, it's
because they want flexibility and a choice.

Speaker 4 (28:49):
Retirement today isn't about stopping work altogether. It's about deciding
how you want to spend your time, how you want
to stay engaged, and how your income fits into the
life you want to live.

Speaker 2 (29:03):
That flexibility can make a real difference emotionally, financially, socially.

Speaker 4 (29:08):
And is something we hear about more often when our
team meets with families. People want options. They don't want
retirement to feel rigid or limiting.

Speaker 1 (29:18):
So what's driving the shift?

Speaker 4 (29:20):
One of the biggest factors is financial reality. People are
living longer, costs continue to rise, and markets don't move
in straight lines.

Speaker 2 (29:30):
Those realities have caused many people to rethink the idea
of fully stopping work at a specific age.

Speaker 4 (29:36):
Healthcare cost, housing expenses, and everyday living expenses can place
pressure on retirement savings over time, especially when retirement may
last twenty or even thirty years.

Speaker 2 (29:49):
What many people are discovering is that even modest earned
income can help reduce how much they may need to
rely on their savings early.

Speaker 4 (29:56):
On, and that can create breathing room. It may allow
people to be more patient with their investments and feel
more confident during periods of market volatility.

Speaker 2 (30:07):
Choosing to work longer or part time doesn't mean something
went wrong.

Speaker 4 (30:11):
For many people, it's a thoughtful and intentional decision.

Speaker 2 (30:16):
It's not about working forever. It's about preserving flexibility and
protecting options.

Speaker 4 (30:21):
But finances are only part of the story.

Speaker 2 (30:24):
Another important part of this conversation is purpose. Many people
don't realize how much structure work provides until it's gone.

Speaker 4 (30:32):
Some people enjoy the freedom of retirement right away. Others
miss the routine, the interaction, and the sense of contribution.

Speaker 2 (30:41):
Staying engaged, whether through part time work, consulting, or even
seasonal roles, can support emotional and mental well being.

Speaker 4 (30:48):
Having somewhere to be, people to interact with, and something
meaningful to do can make retirement feel fuller.

Speaker 2 (30:56):
Retirement shouldn't feel like losing a part of yourself.

Speaker 4 (30:59):
So what what does this look like? In real life?

Speaker 1 (31:02):
Phase?

Speaker 2 (31:03):
Retirement can take many forms. Some people consult in their
form of profession. Others reduce hours or work seasonally.

Speaker 4 (31:10):
Some turn lifelong interest into small income streams. Others simply
downshift responsibilities rather than stepping away completely.

Speaker 1 (31:20):
The common theme is choice.

Speaker 4 (31:22):
Exactly people want to decide when they work, how much
they work, and why they work.

Speaker 1 (31:28):
Income becomes a tool rather than an obligation, and.

Speaker 4 (31:32):
That flexibility allows retirement plans to adjust as life changes.

Speaker 2 (31:38):
From a planning standpoint, continuing to earn income, even for
a period of time, can influence how retirement income is structured.

Speaker 4 (31:45):
It may help reduce early withdrawals from savings and provide
additional flexibility during uncertain markets.

Speaker 2 (31:53):
It can also affect the timing of other income sources,
which is why coordination matters.

Speaker 4 (31:58):
This is where having a plan that can adapt over
time becomes important.

Speaker 2 (32:03):
Flexibility often adds confidence rather than pressure.

Speaker 4 (32:06):
For many families. This is where working with a team
of fiduciary advisors can be helpful.

Speaker 2 (32:12):
Having professionals who can model different scenarios, review plans over time,
and adjust as life changes can bring clarity.

Speaker 4 (32:20):
A strong retirement plan isn't static. Is designed to evolve
as your life.

Speaker 2 (32:25):
Evolves, and clarity can replace a lot of uncertainty.

Speaker 4 (32:29):
If today's conversation resonates with you, I've written a book
called Retire Your Fear, Plan Your Future.

Speaker 2 (32:37):
It's designed to help people think differently about retirement, longevity
and planning in today's environment.

Speaker 4 (32:42):
If you'd like a complimentary copy, you can call us
at eight eight eight eight hundred eighteen eighty one or
email Calli at kellifinancial dot org and we will be
more than happy to send one out.

Speaker 2 (32:57):
You can review it at your own pace and see
if it helps you ask better quod questions as you
plan for the years ahead.

Speaker 4 (33:02):
When we come back, we'll continue this conversation and talk
about how retirement income strategies can be designed to support
this new retirement reality and why flexibility plays such an
important role.

Speaker 3 (33:19):
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 9 (33:29):
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

(33:52):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.

Speaker 3 (33:59):
Safe money these strategies with William Kelly and Kelly Kelly.
Call the team on eight eight eight hundred eighteen eighty one.

Speaker 4 (34:14):
Welcome back to save money strategies right here on WRKO.
I'm Kelly Kelly here again with my son, William Kelly Junior,
and if you're just joining us, we've been talking about
how retirement is changing and why so many people are
choosing flexibility over a traditional full stop at retirement.

Speaker 1 (34:37):
That's right, and in this.

Speaker 2 (34:39):
Part of the conversation we want to talk about what
that actually looks like in practice. Especially when it comes
to income, lifestyle, and long term confidence.

Speaker 4 (34:47):
Because once you accept that retirement may look different than
it used to, the next question becomes how do you
design it in a way that works for your life.

Speaker 2 (35:00):
One of the biggest shifts we're seeing is the move
away from rigid income strategies.

Speaker 4 (35:04):
For a long time, people were taught to think about
retirement income in very fixed terms. One paycheck replaces another
and everything stays this same year after year.

Speaker 1 (35:17):
But real life doesn't work that way.

Speaker 4 (35:19):
Expenses change, markets change, health changes, and priorities change.

Speaker 2 (35:26):
That's why flexibility matters. Retirement income today often comes from
multiple sources, not just one.

Speaker 4 (35:32):
And having more than one income source can help reduce
stress and create options.

Speaker 1 (35:38):
It allows people to adjust rather than react.

Speaker 4 (35:42):
That flexibility is often what gives people confidence knowing you're
not locked into one rigid plan.

Speaker 2 (35:50):
Another important piece of the puzzle is coordination work income.

Speaker 4 (35:54):
Social security and investment income don't exist in silos. They
interact with each other.

Speaker 2 (36:02):
Timing matters, especially when it comes to social security.

Speaker 4 (36:06):
Working longer can affect when people choose to claim benefits,
how much they receive over time, and how their income
sources are used.

Speaker 2 (36:15):
And there's often confusion around working and collecting social security
at the same time.

Speaker 4 (36:20):
Which is why coordination is so important. Decisions made in
one area can have ripple effects elsewhere.

Speaker 2 (36:28):
This is where having professionals who can model different scenarios
can be helpful.

Speaker 4 (36:32):
It's not about finding a single right answer, is about
understanding trade offs.

Speaker 2 (36:39):
Another shift we're seeing in retirement is around spending.

Speaker 4 (36:42):
Many people assume they'll spend less in retirement, but that's
not always the case, especially early.

Speaker 2 (36:49):
On travel, hobbies, time with family. Those things often increase,
not decrease.

Speaker 4 (36:54):
That's why it's so important to start with lifestyle goals
rather than assumption.

Speaker 1 (37:00):
What do you want your days to look like?

Speaker 4 (37:02):
What matters most to you.

Speaker 2 (37:04):
When spending aligns with meeting, people tend to feel more
satisfied and less anxious, and for some.

Speaker 4 (37:10):
Part time work can fund experiences without guilt or worry.

Speaker 2 (37:14):
It becomes a way to support lifestyle choices rather than
restrict them.

Speaker 4 (37:19):
A longer retirement also means longer exposure to risk.

Speaker 2 (37:23):
Inflation, health care costs, and longevity all clear role.

Speaker 4 (37:27):
The goal of planning isn't to eliminate risk. That's not realistic.

Speaker 1 (37:32):
It's to prepare for it.

Speaker 4 (37:34):
Flexible income strategies can reduce pressure on portfolios during challenging
market periods.

Speaker 2 (37:41):
They can also provide peace of mind when unexpected expenses arise.

Speaker 4 (37:45):
Good planning doesn't create fear, It replaces fear with preparation.

Speaker 2 (37:51):
One of the biggest misconceptions about retirement planning is that
it's a one time decision.

Speaker 4 (37:55):
In reality, plans need to evolve as life evolves.

Speaker 2 (38:00):
Income needs change, health changes, family situations change.

Speaker 4 (38:04):
That's why ongoing review and communication matter.

Speaker 2 (38:08):
A plan that worked at sixty five may need adjustment
at seventy or seventy five.

Speaker 4 (38:13):
Flexibility allows those adjustments to happen thoughtfully, rather than reactively.

Speaker 2 (38:19):
For many families, this is where working with a team
of fiduciary advisors can add value.

Speaker 4 (38:24):
Having professionals who understand income planning, tax considerations, and long
term strategy can help bring clarity.

Speaker 2 (38:34):
It allows people to see different paths and understand how
choices today may affect future.

Speaker 4 (38:39):
The goal isn't perfection is confidence.

Speaker 2 (38:43):
And confidence often comes from knowing you have options.

Speaker 4 (38:46):
If today's conversation has you thinking differently about retirement, I've
written a book called Retire Your Fear, Plan Your Future.

Speaker 2 (38:55):
It's designed to help people better understand modern retirement planning
and longevity and today's world.

Speaker 4 (39:01):
If you'd like a complimentary copy, you can call us
at eight eight eight eight hundred eighteen eighty one or
email Kelly at Kellyfinancial dot org and our team will
be more than happy to send one out.

Speaker 2 (39:15):
You can take your time with it and see if
it helps you ask better questions as you think about
the road head.

Speaker 4 (39:19):
We've got more coming up on Safe Money Strategies today,
including additional perspectives and insights design to help you feel
more informed and confident about your financial life.

Speaker 2 (39:32):
To stay with us here on a RKO as the
conversation continues.

Speaker 3 (39:39):
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 8 (39:50):
Welcome back to Safe Money Strategies. I'm Mike du sat
here with Greg Workman. Thank you for staying with us today.

Speaker 6 (39:55):
And part one we walked through the first step of
our planning process, the converse gathering high level goals and
completing the workbook to take an inventory of your financial world.

Speaker 8 (40:07):
Today, we're going to dig deeper into why that planning
process is so critical how it guides investment decisions and
how it can set you up for a confident new
year no matter what the markets do.

Speaker 6 (40:17):
One of the biggest mistakes we see investors make is
jumping straight to investment choices without understanding their bigger picture
and how they fit in.

Speaker 8 (40:27):
When you do that, it's easy to focus on the
wrong things, like chasing last year's winners, trying to time
the market, or reacting emotionally to headlines.

Speaker 6 (40:35):
A written plan, by contrast, acts as a roadmap. It
shows you exactly how your income, your expenses, assets and
liabilities all fit together.

Speaker 8 (40:47):
It highlights where you strong, where gaps may exist, and
where risk could sneak in unnoticed.

Speaker 6 (40:52):
Without that structure, even portfolios that look impressive on paper
fail to meet your actual retirement needs.

Speaker 8 (41:00):
Let's walk through a typical example of how this works.
We'll call them Bob and Susan.

Speaker 6 (41:05):
Bob and Susan came in after several strong market years.
Their accounts had grown very nicely and they felt like
they were on track, But.

Speaker 8 (41:13):
When we looked closer, they didn't have a clear understanding
of how their income would flow during retirement. They had
iras four oh one ks brokerage accounts, pensions, and social security,
but no unified plan.

Speaker 1 (41:26):
Step one is always cash flow.

Speaker 6 (41:28):
We look at what income sources are available now and
into the future, and then subtract both current and projected expenses.

Speaker 8 (41:35):
That includes the obvious housing, utilities, groceries, but it also
includes healthcare, travel, lifestyle expectations, and the occasional surprise expense.

Speaker 6 (41:44):
By doing this first, we can identify years where cash
flow may be tight, or where certain strategies like roth conversions, pensions,
or social security timing can make a big difference.

Speaker 8 (41:58):
It's a step most people skeet, but it's the foundation.
Everything else, the investments, the risk management, the tax strategies
flows from this.

Speaker 6 (42:06):
Once the plan is built and cash flow is understood,
we move to step two, the investment conversation.

Speaker 8 (42:13):
We analyze what the client currently owns, not just to
see performance, but to determine alignment with the plan.

Speaker 6 (42:19):
Some holdings they fit perfectly. Others may be too aggressive
to conservative are not structured to support retirement income efficiently.

Speaker 8 (42:29):
Overtaught recommendations, if needed, are always driven by the plan itself,
not by the market or by trends.

Speaker 6 (42:35):
For Bob and Susan. This meant small adjustments to their allocation,
nothing dramatic, but it gave them the confidence that their
plan could withstand market ups and downs.

Speaker 8 (42:46):
A lot of people underestimate the potential stress reducing impact
of having a plan.

Speaker 1 (42:51):
Especially after a strong market.

Speaker 6 (42:52):
It's easy to assume everything is fine until a sudden
headline makes you question it all.

Speaker 8 (42:58):
When you have a written plan, those emotions are less
likely to drive your decisions. You know what needs to
happen and when.

Speaker 6 (43:05):
For Bob and Susan, it was clear to us that
seeing everything laid out in a cohesive way, assets, liabilities, income, withdrawals,
it gave them more peace of mind than any investment
performance ever could.

Speaker 8 (43:19):
January is a natural reset. People start thinking about goals, organization,
and new habits.

Speaker 6 (43:25):
It's a perfect time to take stock of your financial life.

Speaker 1 (43:29):
But a reset only works if it's intentional.

Speaker 8 (43:32):
That's why the Safe Money Strategies process emphasizes planning first,
investment second.

Speaker 6 (43:38):
Jumping into changes without a plan is like rearranging furniture
in your house that you haven't measured ahead of time.

Speaker 1 (43:45):
It can create more risk than it reduces. Even after
strong markets.

Speaker 8 (43:50):
Planning is critical, but markets can mask weaknesses.

Speaker 6 (43:53):
A portfolio may perform well, but without understanding cash flow, withdrawals,
and risk, it may not meet your retirement goals if
conditions change.

Speaker 8 (44:03):
That's why we never start with performance alone.

Speaker 6 (44:06):
Instead, we focus on designing a system that is intended
to work, whether markets rise, fall, or move sideways.

Speaker 8 (44:15):
And when you know your plan is sound, you can
make investment adjustments thoughtfully, not reactively.

Speaker 6 (44:20):
Another critical piece is taxes. A strong market can create opportunities,
but also tax pitfalls.

Speaker 8 (44:27):
Understanding required distributions, taxable gains and timing of withdrawals can
make a big difference over the course of retirement.

Speaker 6 (44:34):
We review all accounts traditional, WROTH, taxable, and we design
with all strategies that are aimed at minimizing taxes and
maximizing sustainability.

Speaker 8 (44:44):
This ensures that you're not just chasing returns, but managing
your lifetime income efficiently.

Speaker 6 (44:50):
Another client we'll call her Janet, had a diversified portfolio
but no clear plan for social security or income sequencing.

Speaker 8 (44:58):
By completing the workbook and walking through the Safe Money
Strategies process, Janet was able to learn strategies on how
to withdraw from accounts to maintain income and reduce risk.

Speaker 6 (45:07):
Small changes in sequence made a huge difference in long
term sustainability, even though markets had mostly performed well.

Speaker 8 (45:15):
This reinforces the point the plan drives the decisions, not
market performance or headline news.

Speaker 6 (45:21):
When clients understand the plan, they experience a sense of
control and confidence that is hard to replicate with investment
performance alone.

Speaker 8 (45:30):
That confidence allows people to enjoy life, travel, family hobbies
without constantly monitoring every market move, and.

Speaker 6 (45:37):
It prevents panic during inevitable market fluctuations.

Speaker 8 (45:41):
Because markets always changed, the only question is whether you're
prepared when they do.

Speaker 6 (45:46):
If you've been thinking about getting organized financially in twenty
twenty six, now is the perfect time.

Speaker 1 (45:52):
Start with a simple conversation.

Speaker 8 (45:54):
We'll gather some high level information and determine if the
Safe Money Strategies process makes sense for you.

Speaker 6 (46:00):
Complete the workbook, take inventory, understand income, expenses, assets and liabilities.

Speaker 8 (46:06):
From there, we'll guide you through the planning session, and,
if it makes sense, discuss your investments.

Speaker 1 (46:12):
Always with the plan first.

Speaker 6 (46:13):
It's a two step process that's designed to bring clarity,
reduce stress, and ensures your money is working to support
your lifestyle, not just chasing a hot market.

Speaker 8 (46:23):
Strong markets can create confidence, but confidence without clarity can
be dangerous.

Speaker 1 (46:27):
A written plan provides that clarity.

Speaker 8 (46:30):
It's the foundation for thoughtful, intentional decisions.

Speaker 6 (46:33):
And there's no better time to start than the beginning
of a year.

Speaker 1 (46:37):
Thanks for spending part of your Saturday with us.

Speaker 6 (46:39):
We wish you a happy, healthy, and financially confident new year.

Speaker 1 (46:44):
This has been safe Money Strategies. We'll see you next week.
Hi everyone, this is William Kelly.

Speaker 2 (46:55):
If you've ever wished you'd learned about money sooner, that's
why I wrote Only the Good Investment, a simple, encouraging.

Speaker 1 (47:01):
Guide with real world steps anyone can follow.

Speaker 2 (47:05):
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,
whether you're eighteen or eighty. This book is about confidence, clarity,
and taking action. For our listeners, we're sending out complimentary copies.

Speaker 1 (47:26):
Just called eight eight eight eight hundred and twenty one or.

Speaker 2 (47:30):
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 Kendall. I'm William Kelly,
and I hope this book helps someone you love take
their first step.

Speaker 7 (47:43):
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.

Speaker 14 (48:02):
How are you good morning, Jeff? I am good. As
we head into a new year, I think a lot
of people.

Speaker 4 (48:10):
Who are approaching retirement are realizing something important. Retirement today
doesn't look the way it used to. For many families,
the idea of fully stopping at a certain age just
doesn't feel realistic anymore, and for some it doesn't even
feel desirable. People want options, they want flexibility, and they

(48:33):
want to feel confident about what comes next. And if
that sounds familiar, it doesn't mean you're behind, and it
doesn't mean you've done anything wrong. It simply means retirement
has changed.

Speaker 14 (48:46):
And your plan may need to evolve with it.

Speaker 4 (48:48):
That's exactly why I wrote Retire Your Fear, Plan Your Future.
It's designed to help people think through longer retirements, flexible income,
and the financial decisions that come with today's realities without
panic or pressure. If you'd like a complimentary copy, you
can give us a call or email us at Kelly

(49:11):
at Kellyfinancial dot org. You can also visit our website
for the radio rewind.

Speaker 14 (49:18):
Have a wonderful weekend, Jeff.

Speaker 7 (49:19):
Thank you, Kelly, all the best to you and everyone
at Kelly Financial. To get a free copy of that guide,
and I urge all of you if you can do
get it call now eight eight eight eight hundred eighteen
eighty one eight eighty eight eight hundred eighteen eighty one,
or you can actually email Kelly herself personally Kelly at

(49:42):
Kellyfinancial dot org. That's Kelly at Kellyfinancial dot org.

Speaker 3 (49:54):
Safe Money Strategies Akate eight hundred one, eight eight one.

Speaker 4 (50:05):
As we begin a new year, it's a good time
to reflect on what real wealth really means, not just money,
but family, faith, purpose, and the ability to help others
along the way. Bill Kelly has always shared what we
like to call his timeless wit and wisdom. Here's Bill Kelly.

Speaker 10 (50:31):
Well, if you've accumulated wealth, then it's probably happened over
a period of years. If you're like me, you might
be heading into the final third of the rodeo. You
might be closer to the end than you are to
the beginning. I can remember my grandfather at my age,
and he definitely wasn't doing forty five minutes on the
cybex and getting a heart rate of one fifty seven

(50:53):
at this age. But that's what I'm doing. But I'm
closer to the end of the movie than i am
to the beginning of the movie. We don't have a
real choice about our first breath. If we're not taking it,
the doctor's going to make sure we do, or we're
going to come out of the shoot, you know, breathing
right away and screaming, helping. And then we move through
life and there's a randomness to it. I guess that

(51:15):
I think people on the left just are astounded by
that randomness and it befuddles them, and they try to
either heal that fracture in the universe or they try
to make up for that randomness by punishing you and
I people who are trying to do things differently, in
a more distinguished way, working harder. You accumulate things, ladies
and gentlemen, as you invest in your lives, and wealth

(51:38):
isn't just in money. Some of you are surrounded by
beautiful families, and that's accumulation of wealth. To me, also,
because there's nothing more valuable than family. But the conundrum
of life is the random quality of life. But we
can overcome that. To some extent, my quest has been
based on having nothing and having less than nothing at

(51:58):
some time in my life. Is it ever going to
work out? How can it work out? I had a
vision early on in my life about what it would
be like, and it pretty much coincides with what's happening
right now in my life, although there's more to come
for me in my mind, when I had setbacks, I
was never really upset about the setback. Okay, I lost
some dough, Okay, I'm having a rough time with a job,

(52:21):
a venture didn't go the way I wanted it to go,
lost my grandfather, you know, things like that. And I remembered,
during the worst of times, sitting on a log in
a parking lot in the dark, talking to God, and
I said, God, do I have to abandon the vision?
Is it over? Is there any hope for this vision
that I've had since I was two years old? Practically?
Is that vision going to happen for me? Or am

(52:43):
I a fool? Just tell me, just let me know,
give me a sign, let me know, and you know what,
there was no sign. I just had to make up
my mind it was worth moving ahead to try to
approach the vision I had for my life. And from
that darkness, from that time sitting in a parking lot
near a country restaurant basically at roadhouse at three o'clock
in the morning to now they sit with my wife, Kelly,

(53:06):
and we marvel at what God's allowed us to do.
And that doesn't mean being rich quote unquote, that means
what we've been able to do. When we were in
the Dominican Republic, I ended up in the office of
the Mayor of Laramana and I said, Madam Mayor, are
there any poor children here we can help? And she
told me we have all the poor children you could
ever need if you want to help them, and so

(53:26):
I said, well, let's start with one hundred and twenty,
which we did. And she also asked, mister Kelly, would
you please help our old age home here. And I
personally went down to the Giants supermarket in the middle
of the city and I loaded a van up with Cornflake's, oatmeal, milk, rice,
all kinds of stables, and the next day Kelly and

(53:46):
young lady from our office and my daughter Mary Madeline
drove it down to the old folks home in the
middle of Laramana and they handed out the food. So
those are the joys of my vision. Now that night,
we're watching the news. It's in Spanish. Can't understand that
it's channel forty two. Suddenly I hear the announcers said,
Kelly Kelly, you know, And I said, Kelly Kelly. And
there she was delivering food to these people. So how

(54:09):
do you think that feels from a guy? We were
wondering where our meals were coming from. So I know
that feeling. Once some come in the door, guess what
you're feeling pretty good. So we were able to do that.
And that's the greatest blessing you can ever have, is
to help someone else. If you can help someone eat,
if you can help someone along a little bit who's
less fortunate or in great need, it's the greatest blessing

(54:30):
of all. What can I say here, I am it's
a big signal. Here a guy called me from Maine
once working on his roof, putting shingles on his roof.
Can you imagine that signal going up there to the
middle of Maine and him calling me one day and say, Bill,
don't stop, keep going. We like what you're saying. We
focus upon the miracles of life. Let's focus on that.
How we can help each other, and how we can

(54:51):
help our neighbor and I mean neighbors people living around us,
and how we can help our own families. So these
are the blessings of my life right now. This is
my wealth. Being able to help others and I enjoy
doing it. Is nothing I enjoyed doing more. I'd love
putting together a very complex case, or helping someone that
seems to have the unsolvable portfolio, or and a state

(55:12):
that needs special attention, something like that. But helping some
people out is no better feeling. It's hard to feel
bad when you're helping someone else out. It's hard to
feel sorry for yourself when you're helping out someone less
fortunate and you're doing it sincerely. So let's not give up, right,
And We've come a long way in my business, But
I'd really want to take time out to let you
know that the blessings in my life are my ability

(55:34):
to help others, and Kelly Financial stands behind that, as
do I and my family. So I would appreciate you listening.
If you're wondering about your wealth or if you want
to keep what you have, eight eight eight eight hundred
and one, eight eight one, sit with us. There's no charge,
and whatever you need help with, I think we can
do it. I've seen many, many things in twenty three
years and we have great people. We have great staff,

(55:55):
we have young geniuses, we have a middle aged folks.
So eight eight eight eight hundred and one, eight eight one.
If you're looking for someone you can trust, if you're
looking for someone who's going to focus upon you, and
if you're looking for someone who's been around the block,
and we do our own research. Now it's ours, nobody else's,
and we're proud of that. Eight eight eight eight hundred

(56:15):
and one. Eight it won't sit with us, and let's talk.

Speaker 3 (56:20):
We'll call Kelly Financial Services. Eight eight eight eight hundred
eighteen eighty one.

Speaker 4 (56:25):
I'm Kelly Kelly from Kelly Financial. Whether you're in your sixties,
seventies or eighties, financial advice is important when it comes
to preserving your nest egg. We have a free investor
guide called designing your Fiscal House to Weather the Elements,
which highlights the steps needed to build a balance portfolio
for the guide, call eight eight eight eight hundred eighteen

(56:47):
eighty one or email Kelly at Kellyfinancial dot org.

Speaker 14 (56:52):
We're Kelly Financial.

Speaker 4 (56:53):
Come retire with us, Safe.

Speaker 3 (56:55):
Money strategies with William Kelly and Kelly Kelly. Go to
Kelly Financial dot org.

Speaker 2 (57:07):
All opinions expressed by the host, his guests, or employees
of Kelly Financial Services are solely their own and do
not reflect the opinions of Kelly Financial Services.

Speaker 9 (57:14):
Information has been obtained from sources deemed to be reliable,
but their accuracy at completeness cannot be guaranteed. The information
provided as general in nature and does not intended to
be specific investment, tax, or legal advice. It is always
advisable to consult a professional before making a financial decision.