Kelly Financial: Saturday, June 20, 2026

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Episode Transcript

Speaker 1 (00:12):
It's coming to 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 callin radio show focused on common sense planning and
protecting wealth. Over the past two decades, Dad became a

(00:51):
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 eight hundred million dollars across our affiliated business, including
more than six hundred million dollars managed by our sec

(01:14):
registered investment advisory or 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,
Tom Schleger, and Josh Smith. We live by two rules,

(01:35):
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 (02:14):
Each week on Safe Money Strategies, we take a moment
to step back from the headlines and have a real conversation,
the kind you might have around the kitchen table. This
is a part of the show we call Forever Young
is where I sit down with my son William Kelly Junior,
and we talk about life, what's going on in the world,
and our family and what really matters most when you're

(02:36):
planning for the future sometimes is light, sometimes as thoughtful,
but as always real.

Speaker 5 (02:42):
Good morning William.

Speaker 1 (02:43):
Good morning Mom. How are you.

Speaker 5 (02:44):
I'm doing great? How about yourself?

Speaker 1 (02:47):
Fantastic?

Speaker 2 (02:48):
I am astonished with the Scottish crowd in Boston.

Speaker 1 (02:51):
Thank you for coming by. I hope you enjoyed your stay.

Speaker 2 (02:55):
And I think you guys did pretty good for a
country that hasn't been in the World c Up for
I think over thirty years, I could be crazy, so.

Speaker 1 (03:05):
Good for you guys. Boston welcomed you with open arms.

Speaker 2 (03:08):
That bar in downtown Boston had all of its beer
reserves drunk. Their entire beer reserves wiped out and tripled
their revenue and in comparison to their most successful at
Saint Patrick's Day. Wow, congratulations Scotland. You beat us, US Bostonians.
And on the plane rides here the Scots they dried

(03:29):
up the beer supply on the planes coming here, Lady John,
they were ready for Boston.

Speaker 1 (03:35):
They were excited.

Speaker 2 (03:36):
I think we've retained so much of our Irish and
Scottish culture over.

Speaker 1 (03:40):
Here that they felt right at home.

Speaker 2 (03:42):
Honestly, all the Irish and Scottish pubs, and a lot
of them were Irish people as well, and they were
just Scottish fans. So I hope you enjoyed your stay
in Boston.

Speaker 1 (03:51):
Thank you for coming.

Speaker 2 (03:52):
Kelly Financial had a wonderful time at Famiway Park.

Speaker 5 (03:56):
We certainly did. We all gathered and went to White Park.

Speaker 1 (04:01):
We did. We found this nice kind of.

Speaker 2 (04:03):
Like college bar, sort of like arcade thing with like
pool tables, snacks, nachos and drinks and all sorts of stuff.
It was a nice kind of like a pregame.

Speaker 5 (04:14):
Hugely what was it called the something Monkey.

Speaker 2 (04:16):
If you ask Josh, if you guys are curious and
you have an appointment with Josh, ask Josh, Josh would know,
or if you see him in the office, Josh can
tell you because he used to go and when I
think when he went to BC and he was actually
the one that told us to go.

Speaker 1 (04:30):
And it was incredible, I know, it was really cool.
It was a cool yo they had.

Speaker 4 (04:34):
We ordered food for everyone and everyone played.

Speaker 1 (04:38):
Pool a little bit. It was the first time I
played pool in years. It was a lot of fun.

Speaker 2 (04:44):
All the pool tables in college are have holes and
the felt was ripped up.

Speaker 1 (04:47):
That's so yeah. It felt nice to play in a
proper pool table.

Speaker 4 (04:51):
That's typical, but so it's so it's been a good
week and and tomorrow is Father's Day, that's right.

Speaker 5 (04:59):
And I will see my father.

Speaker 1 (05:01):
That's right.

Speaker 2 (05:02):
Yes, I know you're excited to see him, and I
know he's excited to see you as well.

Speaker 1 (05:06):
Yes, So it'll be good for everybody to get together
and support Poppy, I know, you.

Speaker 4 (05:11):
Know, and we always think of your day, ad of
course on this day.

Speaker 2 (05:15):
I know he's very proud of you. I know he's
very proud of this company. Oh, he's very proud of
the life we're living. And he's very proud of Marie Madeline,
especially she's done a lot lately, she's been kicking.

Speaker 1 (05:27):
But I know he'd love to meet Georgia and Marshall.

Speaker 4 (05:30):
Yes, and he was so proud of you, William, Thank
you mom. Writing a book. You're so focused, you're doing
so well at Bryant University.

Speaker 2 (05:41):
I would pay to see his reaction to my book,
publishing a book. That's one thing that I really wish
I could have seen. But I know he's happy, and
I hope he is, you know what I mean.

Speaker 4 (05:53):
So, I know this day is always bittersweet, it really is.
You know, we know he's in a good place.

Speaker 1 (05:59):
That's always better. And that's all I know. So that's all,
that's all, that's top priority.

Speaker 2 (06:07):
But as we approach Father's Day, we're going to keep
him in our memory. And Happy Father's Day to all
of our fathers out there, our grandfathers, and especially late
fathers or late grandfathers.

Speaker 4 (06:18):
I know, tell me a story, Tell me a story
about either Dad or your grandfather.

Speaker 5 (06:26):
So many memories to pull from.

Speaker 2 (06:28):
There are, Okay, I'll tell you a story. Here's the
reason why you never bet with me.

Speaker 1 (06:34):
Okay.

Speaker 2 (06:35):
So I'm sure a lot of you folks remember, especially
if you've been with Kelly Financial for well over ten years,
you certainly remember my father, and you remember how obsessed
he was with me playing golf. It was his obsession.
And don't get me wrong, I love playing golf with him.
It was a lot of fun. But after he passed away,
I had stopped. But before when we were when I

(06:56):
was in my peak, I remember you're at the driving
range and Dad said, I bet you can't hit that
pole over there, And there were these markers on the
driver's range. Especially a lot of you who are avid golfers,
you know that like each marker is about one hundred
yards of fifty yards and so I think I was
about eight years old, and he wanted me to hit

(07:19):
He wanted.

Speaker 1 (07:19):
Me to focus on my precision.

Speaker 2 (07:21):
He said, I bet you can't hit that marker, that
one hundred and fifty yard marker right there, and he said,
I'll bet you one hundred bucks, and I said, okay, Dad.

Speaker 1 (07:31):
I took a swing.

Speaker 2 (07:33):
I hit it first try, and that was the first
one hundred dollar bet. The second one, I think was
the It was either the one hundred and fifty again
or two hundred.

Speaker 1 (07:44):
But had I had to hit the flag, that was it.
I just had to hit the flag, not even the pole.
What do you know.

Speaker 2 (07:50):
I hit the pole and so he said, I said,
pay up, Dad, and he paid up. That was two
hundred dollars. And then a third time, and I can't
remember what the bet was, but I'm sure it was
something similar. He said one hundred dollars if you can
do this. And these were kind of spaced out over
a long period of time, so I was collecting money
over time.

Speaker 1 (08:09):
Here. It was a stable source of income for you know,
little meat.

Speaker 2 (08:12):
Yeah, I don't know what Dad was thinking, but actually
I know what Dad was thinking.

Speaker 1 (08:17):
He just wanted me to do well.

Speaker 6 (08:19):
And.

Speaker 1 (08:21):
He bet again, and what do you know, three hundred dollars.

Speaker 2 (08:24):
And once I had a massed three hundred dollars, which
was just wild to me.

Speaker 1 (08:28):
We went to.

Speaker 2 (08:29):
Bank Newport and opened my first savings account. Yes you did,
and that was a wonderful memory. And in that same
savings account we still have it.

Speaker 1 (08:38):
We do my name, we do.

Speaker 5 (08:40):
And you built it up to.

Speaker 1 (08:43):
How much ten thousand dollars or five thousand dollars.

Speaker 5 (08:47):
Something like that.

Speaker 4 (08:48):
But when it was maybe was it the year after
day had passed? There was we had we were sponsoring
as we always do, the dav radioson and they.

Speaker 1 (09:00):
Were short, five thousand dollars.

Speaker 4 (09:02):
Five thousand dollars or maybe four thousand that were short.
And you called in and you asked me first, you
got permission, which I appreciated that. But yeah, you donated
five thousand dollars, so you put them like a thousand
over their goal. Yeah, we were all crying, and I
was working, Jeff was crying, everybody was crying.

Speaker 1 (09:25):
That was beautiful.

Speaker 5 (09:26):
The da that was that was huge, William.

Speaker 4 (09:30):
But part of that money they came from those initial
bets that you and Dad made.

Speaker 1 (09:36):
They did, so maybe a gambling's not so bad after.

Speaker 5 (09:38):
All, William stop it.

Speaker 2 (09:41):
Well, no, and you know, I'm that was so satisfying
to find out to put the stone in in the
last like in the last.

Speaker 1 (09:48):
Hole and just fill the final crack.

Speaker 5 (09:51):
Yeah.

Speaker 2 (09:51):
That was nice to just to finish the piece. Yeah,
And it was so rewarding.

Speaker 1 (09:57):
Because that was something I had built with Dad and
I dal wouldn't have wanted any other way.

Speaker 4 (10:02):
I know, you know, I know. So your heart led
you in the right direction. Do keep us on your dial.
We've got a lot of great content coming your way.
Mike do Said and Greg Workman, we'll discuss why communication, accessibility,
and accountability may be just as important as investment performance
in retirement planning. Mary Madeline Kelly and Greg Murray will

(10:25):
explain what every pre retiree needs to know about Medicare
at age sixty five, from enrollment deadlines to healthcare costs,
and how planning today can help you avoid costly mistakes. Tomorrow,
when William and I return, will reveal smart ways to
travel more, spend less, and enjoy retirement adventures with greater confidence.

(10:48):
And of course we'll close the hour with some win
and wisdom from the late Bill Kelly. His words continue
to inspire and guide us. That's a wrap for forever.
Young thank you for listening, and William, thank you for
joining me.

Speaker 5 (11:02):
We'll be back with more great content.

Speaker 4 (11:04):
I love you, honey, prol love you too.

Speaker 7 (11:07):
Okay, my friends, let me tell you about Kelly Financial Services.

Speaker 1 (11:19):
You know how this goes.

Speaker 7 (11:21):
In January, everybody's discipline, the budget is tight, the plan
is in place.

Speaker 1 (11:27):
Then you blink and it's June. Spending is crept up.

Speaker 7 (11:31):
Costs of climb, healthcare expenses, inflation, family needs, life doesn't
slow down. That's why a midyear retirement check in matters.
Because our retirement plan you set up once and never review.

Speaker 1 (11:45):
That's not really a plan.

Speaker 7 (11:47):
Kelly Kelly and her team have put together a complimentary
investor guide called five Retirement Planning Missteps to Dodge. It
covers healthcare costs, inflation, long term care, and why keeping
your strategy up to date matters. Schedule your annual review,
request your free copy now. Call Kelly Financial eight eight

(12:09):
eight eight hundred eighteen eighty one or email Kelly at
Kelly Financial dot org.

Speaker 6 (12:17):
Welcome to save money strategies I'm Mike Ducett, chief operating Officer,
and alongside me is Greg Workman, investment advisor representative. Each week,
we discuss the financial and retirement issues that matter most
to retirees and those preparing for retirement. If you've saved
diligently throughout your career, accumulated retirement assets, and are beginning

(12:38):
to think seriously about retirement, this show is designed for you.
Our goal is to help you make informed decisions and
avoid costly mistakes that could impact your financial future.

Speaker 1 (12:48):
Greg.

Speaker 6 (12:48):
Over the years, we've met with hundreds of individuals and families,
and one thing I've noticed is that many people spend
a tremendous amount of time evaluating investment performance before hiring
an advice, but very little time evaluating the relationship itself.

Speaker 1 (13:04):
That's absolutely true, Mike.

Speaker 8 (13:05):
Most people focused on returns, account balances, and investment selections,
but they rarely ask what the ongoing relationship is going
to look like after they become a client exactly.

Speaker 6 (13:18):
They may ask what an advisor charges, but they don't
ask questions like how often will I hear from you?

Speaker 1 (13:24):
How accessible are you when I need help?

Speaker 6 (13:27):
Will you explain what's happening with my portfolio, How do
I know someone is actually paying attention to my retirement plan?

Speaker 8 (13:33):
And those questions are incredibly important because retirement planning isn't
a one time event, It's an ongoing process.

Speaker 6 (13:40):
That's why on today's show, we're discussing what you should
expect from your financial advisor, not just investment management, but communication, service, accountability,
and what a true advisory relationship should look like.

Speaker 8 (13:54):
Because the reality is that many investors feel disconnected from
their advisor. They receive statements every quarter, but they don't
necessarily understand what's happening with their money or why certain
decisions are being made.

Speaker 6 (14:08):
And retirement is simply too important for that. We believe
clients deserve regular communication and transparency. They deserve to understand
not only what's happening in their portfolio, but why it's happening.

Speaker 8 (14:20):
Mike, this reminds me of a situation we encounter quite often.

Speaker 1 (14:24):
Tell me about it.

Speaker 8 (14:25):
Many of the people who come through our doors have
done a wonderful job saving for retirement. They have accumulated
assets in their four to one ks iras, brokerage accounts
and savings at the bank. On paper, they're in great
shape financially. The challenge isn't necessarily the investments. The challenge

(14:45):
is that they often feel disconnected from the process. They
may have an advisor, but they rarely hear from them.
Most communication consists of quarterly statements arriving in the mail
or occasional market updates that we don't really address their
personal situation. When markets are doing well, they assume everything

(15:06):
is fine. But when markets become volatile, they find themselves
wondering what's happening, whether any changes are being made, and
how current events might affect their retirement plan.

Speaker 1 (15:19):
Unfortunately, we hear that quite a bit. We do.

Speaker 8 (15:22):
In fact, one of the most common comments we hear
during an initial meeting is I just want to understand
what's going on. Many people aren't looking for constant trading
activity or complicated investment strategies. They simply want good communication.
They want to know someone is minding the store, paying attention,

(15:44):
monitoring their situation, and helping them make inform decisions along
the way.

Speaker 6 (15:49):
And honestly, that's a very reasonable expectation. People spend decades
saving for retirement. They deserve to know what's happening with
their life savings exactly.

Speaker 8 (15:58):
That's why communication is such an important part of our process.

Speaker 6 (16:03):
When someone becomes a client at Kelly Financial, the relationship
doesn't end after the paperwork is signed. In many ways,
that's when the relationship begins. Most of our clients participate
in quarterly review meetings. For many people, a phone call
is the most convenient option, while others prefer to come into.

Speaker 1 (16:19):
The office for an in person meeting.

Speaker 6 (16:21):
Either way is perfectly fine, and we're happy to accommodate
what works best for them.

Speaker 8 (16:26):
And these reviews aren't simply reading performance numbers off a report.
During those quarterly conversations, we review current portfolio allocations, in
other words, how the money is invested, year to date performance,
and what's happening in the markets.

Speaker 1 (16:41):
But just as importantly, we.

Speaker 8 (16:43):
Explain the rationale behind the decisions we've made. If we've
reduced exposure in one area and increased exposure in another,
we explain why if we've replaced one investment with another.
We also explain why. The goal is to pull back
the curtain a little bit and help clients understand the
why behind portfolio management.

Speaker 6 (17:06):
And I think that's the key point. You're not just
reporting performance.

Speaker 1 (17:09):
That's right.

Speaker 8 (17:10):
We want clients to understand the thought process behind what
we're doing. We're not making changes just to make changes.
Every decision has a purpose and clients deserve to understand
that purpose.

Speaker 1 (17:23):
And not every client wants the same level of detail.
That's right.

Speaker 8 (17:26):
Some clients want to go deep into the details every allocation,
every change, every market trend. Others prefer a higher level overview.
Our job is to meet them where they are and
communicate in a way that makes them comfortable and confident.

Speaker 6 (17:43):
Great One thing I think people would be surprised to
learn is how every one of those review conversations begins.

Speaker 1 (17:49):
It always starts the same way.

Speaker 8 (17:51):
Before we talk about the markets, performance or anything else,
we ask a simple question, do you have any questions
or concerns that we should address today? Because often what's
most important isn't what happened in the market's last quarter,
it's what's happening in their life. Maybe they're planning for
an upcoming expense, thinking about a home project, helping a

(18:14):
family member, or adjusting their retirement timeline. Those things matter
just as much, if not more, than short term market movement.

Speaker 1 (18:23):
That really sets the tone for the entire relationship.

Speaker 8 (18:26):
It does because retirement planning isn't just about investments. It's
about helping people navigate life's transitions with confidence.

Speaker 6 (18:35):
When we come back, we'll talk about what happens between
those quarterly meetings, how our team based approach helps ensure
clients always have support when they need it, and why
accessibility is one of the most important parts of a
successful advisor client relationship. Stay with us you're listening to
Safe Money Strategies.

Speaker 3 (18:56):
Kelly Financial Services eight hundred eight eighty one.

Speaker 4 (19:01):
I'm Kelly Kelly from Kelly Financial. Is your financial advisor
a fiduciary? In other words, are they legally required to
act in your best interest. My complimentary book, Retire Your Fear,
Plan Your Future explains what a fiduciary is and will
help you understand if an advisor is really putting you first.
For the book, call eight eight eight eight hundred and

(19:23):
eighteen eighty one or email Kelly at Kellyfinancial dot org.

Speaker 5 (19:28):
We're Kelly Financial. Come retire with.

Speaker 3 (19:30):
Us The Money Wrap with Kelly Financial Advisors. Greg Murray
and Mary Madeline Kelly.

Speaker 1 (19:38):
Good morning.

Speaker 9 (19:39):
This is Greg Murray, Senior Vice president and Chief Compliance
Officer at Kelly Financial Services. Joining me today is Mary
Madeline Kelly, one of our wealth advisors. How are you
doing today?

Speaker 10 (19:48):
Good morning, Greg. I am doing great. And today's topic
is one that impacts just about everyone eventually, whether you're
approaching retirement yourself or helping a parent navigate the process.
We're talking about Medicare and what happens when you turn
sixty five.

Speaker 9 (20:02):
That's right, and Medicare is one of those things that
sounds straightforward until you actually start looking into it exactly.

Speaker 10 (20:08):
Many people assume that when they turn sixty five, Medicare
automatically takes care of everything, but in reality, there are
important decisions and deadlines that people need to understand.

Speaker 9 (20:18):
So let's start with the basics. Why is age sixty
five such an important milestone.

Speaker 10 (20:23):
Because for most people, age sixty five is when they
first become eligible for Medicare, and whether you're already retired
or still working, it's important to understand your options before
that birthday arrives.

Speaker 9 (20:33):
One of the biggest mistakes we see is people waiting
until the last minute to learn about Medicare.

Speaker 10 (20:38):
Yes, ideally you want to start learning about it several
months before turning sixty five. That gives you time to
understand your choices and avoid potential enrollment mistakes.

Speaker 9 (20:47):
Let's walk through to different parts of Medicare, because that's
where many people get confused.

Speaker 10 (20:51):
Absolutely, Medicare is often broken into four parts, Part A,
Part B, Part C.

Speaker 5 (20:56):
And Part D.

Speaker 1 (20:57):
Part A is generally hospital insurance.

Speaker 10 (20:59):
Part A helps cover things like hospital stays, skilled nursing care,
and certain in patient services. Most people don't pay a
premium for Part A because they've paid Medicare taxes during
their working years.

Speaker 1 (21:11):
Then there's Part B.

Speaker 10 (21:12):
Part B covers medical services such as doctor visits, outpatient care,
preventative services, and medical equipment. Unlike Part A, Part B
typically has a monthly premium.

Speaker 9 (21:23):
And that's where people often start paying closer attention exactly.

Speaker 10 (21:26):
Then we have Part D, which covers prescription drugs, and.

Speaker 9 (21:29):
Finally Part C, which is often called Medicare advantage right.

Speaker 10 (21:33):
Medicare advantage plans are offered through private insurance companies and
combine various Medicare benefits into one plan.

Speaker 9 (21:40):
One question we hear all the time is do I
have to sign up for Medicare when I turn sixty
five if.

Speaker 1 (21:44):
I'm still working?

Speaker 10 (21:45):
And the answer is it depends. If you're covered by
a qualifying employer health plan, you may be able to
delay certain parts of Medicare without penalties.

Speaker 1 (21:54):
But that's why it's so.

Speaker 10 (21:55):
Important to review your situation before making any assumptions, because.

Speaker 1 (21:59):
Medicare penalties can be expensive and long lasting.

Speaker 10 (22:02):
Exactly missing enrollment deadlines can result in higher premium for years,
sometimes for.

Speaker 5 (22:07):
The rest of your life.

Speaker 9 (22:08):
Another area where people get surprised is healthcare costs in retirement.

Speaker 10 (22:12):
Yes, many people assume Medicare means healthcare becomes free, but
that's not.

Speaker 1 (22:16):
Really the case.

Speaker 10 (22:17):
There are premiums, deductibles, copays, and other out of pocket
expenses that should be incorporated into your retirement plan, which is.

Speaker 9 (22:24):
One reason healthcare planning is such an important part of
retirement planning.

Speaker 10 (22:28):
Absolutely, we often spend years helping clients prepare for retirement.
Income that healthcare expenses need to be part of that
conversation as well.

Speaker 9 (22:36):
And then there are income related adjustments that some retirees
en counter.

Speaker 10 (22:40):
That's right, Higher income retirees may pay additional Medicare premiums
based on their income levels. This surprises some people because
Medicare costs aren't always the same for.

Speaker 1 (22:50):
Everyone, which brings us back to planning.

Speaker 10 (22:52):
The more prepared you are before turning sixty five, the
smoother the transition tends to be. Understanding your enrollment timeline,
evaluating your coverage options, and incorporating healthcare costs into your
overall retirement strategy can help avoid a lot of stress.

Speaker 9 (23:07):
And while Medicare can feel overwhelming initially, it's much more
manageable when you break it down step by step.

Speaker 10 (23:12):
Absolutely, most people don't need to become medicare experts. They
just need to understand enough to make informed decisions and
nowhere to go for guidance.

Speaker 9 (23:20):
So for our listeners who are approaching sixty five or
who have family members who are, what's the biggest takeaway?

Speaker 10 (23:25):
Start early, don't wait until the month before your birthday,
Learn about your options, understand the deadlines, and make Medicare
part of your overall retirement planning process, because.

Speaker 1 (23:35):
A little preparation can go a long way exactly.

Speaker 10 (23:38):
Medicare is one of the biggest milestones in retirement planning,
and the more proactive you are, the more confident you'll
feel when the time comes.

Speaker 9 (23:45):
Well said, that's going to wrap things up for today.
If you're approaching age sixty five enough questions about Medicare
or retirement planning, give us a call.

Speaker 1 (23:52):
We'd be happy to help.

Speaker 9 (23:53):
You understand your options and create a plan that works
for your situation.

Speaker 10 (23:56):
Absolutely well, Greg, thank you for your time and I
hope you great weekend.

Speaker 3 (24:00):
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.

Speaker 4 (24:28):
Welcome back to Safe Money Strategies. I'm Kelly Kelly alongside
my son William Kelly, Junior Mom.

Speaker 2 (24:36):
Summer travel season this year, and for many retirees, travel
is one of the rewards they've spent decades working toward.

Speaker 5 (24:43):
It certainly is William.

Speaker 4 (24:44):
After years of working and raising a family, building a career,
and saving for retirement, so many people finally have something
they didn't have enough of during their working years, and
that is.

Speaker 5 (24:58):
Time and flexibility.

Speaker 4 (25:00):
Retirement creates opportunities to visit children and grandchildren, explore new destinations,
take a bucket list vacation, or simply enjoy the freedom
to travel on your own schedule.

Speaker 1 (25:14):
And that's something we hear all the time from clients.

Speaker 2 (25:17):
Travel is one of the things people are most excited
about when they retire.

Speaker 4 (25:21):
Absolutely, travel allows people to create memories, experience new things,
stay active, and spend meaningful time with the people they love.
The goal isn't to avoid spending money on travel. The
goal is making sure travel enhances retirement rather than creating

(25:42):
unnecessary financial stress afterward.

Speaker 2 (25:46):
The challenge is that travel seems to be getting more
expensive every year.

Speaker 4 (25:50):
That's true, Summer remains one of the busiest travel seasons,
and with that comes higher prices for airfare, hotels, rental cars, cruises, attractions,
and restaurants. What often surprises retirees isn't necessarily the big
ticket expenses is the smaller expenses that quietly accumulate throughout

(26:15):
the trip.

Speaker 1 (26:16):
Is that where most people underestimate the cost it is.

Speaker 4 (26:19):
Most people budget for transportation and lodging, but they don't
always account for airport, parking, baggage fees, ride shares, tips, excursions, souvenirs, snacks,
and dining expenses. None of those costs seem significant by themselves,
but together they can make a meaningful difference in the

(26:41):
total cost of a vacation.

Speaker 2 (26:44):
And if you're traveling with family, those expenses can grow
pretty quickly.

Speaker 5 (26:47):
They certainly can.

Speaker 4 (26:49):
Many retirees enjoy treating children and grandchildren to meals and
activities or special experiences.

Speaker 5 (26:58):
There's nothing wrong with that.

Speaker 4 (27:00):
In fact, those moments often become some of the most
treasured moments. The key is simply recognizing those costs in advance,
rather than being surprised by them later.

Speaker 2 (27:12):
It seems like vacation spending often starts before the vacation
even begins.

Speaker 5 (27:16):
That's another great point.

Speaker 4 (27:18):
Travel spending frequently begins weeks before departure. People purchase luggage,
travel accessories, clothing, pet care services, and other items they
feel they need for the trip. By the time they're
sitting on the airplane, they've often already spent hundreds of
dollars they never included in their original budget.

Speaker 2 (27:40):
Then there are the unexpected expenses nobody plans for exactly.

Speaker 4 (27:45):
Flights get delayed, weather changes plans, hotel reservations need to
be adjusted, transportation cost increase. Sometimes medical issues arise or
prescriptions need to be filled while travel life happens, and
that's why it's important to build flexibility into both your

(28:06):
travel plans and your budget.

Speaker 2 (28:09):
It sounds like the hidden costs are often will create
the biggest surprises.

Speaker 5 (28:13):
They can be.

Speaker 4 (28:14):
I've found that most retirees don't regret taking the trip.
What they regret is returning home and feeling stressed about
what they spent. Travel should create memories, not anxiety.

Speaker 1 (28:28):
That's a big distinction.

Speaker 5 (28:30):
It really is.

Speaker 4 (28:31):
Most people don't make one disastrous financial decision. Financial stress
usually develops gradually through repeated overspending over time. A little
extra spending here and there may not seem important in
the moment, but eventually it can affect other retirement priorities, such.

Speaker 1 (28:52):
As healthcare, housing, or future planning goals.

Speaker 4 (28:55):
Exactly, Travel is only one piece of the retirement puzzle.
Quies also have healthcare expenses, housing costs, family priorities, charitable goals, hobbies,
and everyday living expenses. Understanding how all those pieces fit
together helps people make more confident decisions.

Speaker 1 (29:17):
What are some of the most common travel mistakes you
see retirees make.

Speaker 4 (29:21):
One of the biggest is waiting too long to make reservations.
Delaying travel plans can eliminate opportunities for lower affairs, discounted accommodations,
and better availability. Another common mistake is overlooking discounts that
may already be available.

Speaker 1 (29:41):
A lot of people forget to ask.

Speaker 5 (29:42):
They do.

Speaker 4 (29:43):
Many travel providers, attractions, museums, parks, and organizations still offer
senior discounts. Sometimes all it takes is asking the question.
Another mistake is trying to cram too much into a
single tree. People move from place to place, increase transportation costs,

(30:05):
and often return home feeling exhausted rather than refreshed.

Speaker 2 (30:10):
And sometimes people assume that a once in a lifetime
trip means they should spend without limits.

Speaker 4 (30:15):
That's another trap. The reality is that some of the
most meaningful travel experiences have very little to do with luxury.
Visiting family, exploring a small town, enjoying a scenic drive,
learning local history, or spending quality time with loved ones
often creates the memories people cherish most.

Speaker 2 (30:39):
So what should listeners keep in mind as they make
summer travel plants.

Speaker 4 (30:42):
I'd encourage them to look at the bigger picture. Travel
is one of retirement's greatest rewards, and people should not
feel guilty about enjoying it. But the most enjoyable vacation
is often the one you can fully enjoy because you
know it fits comfortably within your overall retirement plan.

Speaker 2 (31:02):
In other words, confidence comes from understanding where you stand
financially exactly right.

Speaker 4 (31:08):
That's one of the key messages in my book, Retire
Your Fear, Plan Your Future. When people understand their overall
retirement picture, they often feel more comfortable making decisions about travel,
about family and experiences that matter the most. Confidence doesn't

(31:29):
come from avoiding the things you enjoy. It comes from
understanding how those choices fit into your.

Speaker 5 (31:36):
Long term goals.

Speaker 1 (31:37):
Great advice, mal Thank.

Speaker 5 (31:38):
You, William.

Speaker 4 (31:39):
When we come back, we'll discuss practical ways where retirees
can travel smarter, spend less, and create unforgettable memories.

Speaker 5 (31:49):
We'll be right back.

Speaker 3 (31:53):
Safe money strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
visit Kelly Financial dot org.

Speaker 1 (32:04):
I believe that this nation should commit it ze achieving the.

Speaker 6 (32:07):
Goal of landing a man on the Moon and returning
him safely to the Earth.

Speaker 11 (32:13):
Six five four three two one zero All engine run?

Speaker 7 (32:21):
What what dot follow level?

Speaker 11 (32:23):
Remember those Apollo Moon missions one of America's greatest adventures
and achievements too. The nation set a goal and then
realized it. What are your goals? At Kelly Financial Services?
We've got the right team and technology to help launch
your retirement planning. Let us help you set and reach

(32:44):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kelly Financial dot org. Where do
you want to land? We're Tangalitybavior Kelly Financial Services. Come
retire with us.

Speaker 3 (33:03):
Safe Money Strategies with William Kelly and Kelly Kelly. Call
the team on eight eight eight eight hundred, eighteen eighty one.

Speaker 4 (33:13):
Take care, Welcome back to Safe Money Strategies. I'm Kelly
Kelly alongside my son William Kelly, Junior Mom.

Speaker 2 (33:27):
Before the break, we talked about how travel can quietly
create financial stress when people underestimate the true cost of vacation.
The good news is that retirees have some advantages that
younger travelers simply don't have.

Speaker 5 (33:38):
They certainly do William.

Speaker 4 (33:40):
One of the biggest advantages is flexibility. Most working families
are tied to school and work schedules. Retirees often have
the freedom to travel when demand is lower, crowds are smaller,
and prices are more attractive.

Speaker 2 (33:57):
So sometimes a small adjustment and travel dates can save
a significant amount of money.

Speaker 4 (34:01):
Absolutely, moving a trip by a week or two can
often reduce travel costs considerably. Midweek departures are frequently less
expensive than weekend travel, and traveling outside peak seasons can
provide both savings and a more enjoyable experience.

Speaker 2 (34:21):
That's an advantage many retirees might not fully appreciate.

Speaker 4 (34:25):
I agree, retirement flexibility can become one of the best
travel discounts you'll ever find.

Speaker 2 (34:32):
What about discounts? Are there still meaningful savings available for retirees?

Speaker 4 (34:36):
There certainly are many hotels, attractions, museums, and travel providers
still offer senior discounts, but many people never ask. Organizations
like AARP and Triple A can also provide savings opportunities.
Sometimes a simple question can make a meaningful difference over

(34:58):
the course of a.

Speaker 1 (34:58):
Trip beyond discounts.

Speaker 2 (35:00):
It seems like retirees are starting to think differently about travel.

Speaker 5 (35:04):
I think that's true.

Speaker 4 (35:05):
More people are focusing on experiences rather than simply checking
destinations off a list. They're looking for value, flexibility, and
enjoyment instead of trying to squeeze everything possible into one vacation.

Speaker 1 (35:21):
What are some examples of that?

Speaker 4 (35:23):
Road trips remain one of the most flexible and affordable
travel options available. Vacation rentals can also provide excellent value,
particularly for longer stays. Having access to a kitchen can
reduce dining expenses while providing additional comfort and space.

Speaker 1 (35:43):
Another trend I hear about is slow travel.

Speaker 5 (35:46):
That's becoming very popular.

Speaker 4 (35:48):
Instead of moving from place to place every few days,
people stay longer in one location. They spend less time rushing,
less money on transportation, and often enjoy a richer experience.

Speaker 2 (36:03):
It sounds like some of the best travel experiences don't
necessarily come with the highest price tax.

Speaker 5 (36:09):
That's often the case.

Speaker 4 (36:10):
Local events, scenic parks, historical sites, community attractions, and simply
spending time with family can create some of the most
meaningful memories. Many retirees discover that the experiences they remember
most weren't the most expensive ones.

Speaker 1 (36:30):
That's probably a good reminder for all of us.

Speaker 4 (36:32):
It really is travel doesn't have to be extravagant to
be memorable. Some people spend years believing a great vacation
requires luxury accommodations or expensive destinations. In reality, meaningful experiences
often come from the people you're with and the memories

(36:53):
you create.

Speaker 2 (36:54):
Together, and that brings us back to retirement planning exactly.

Speaker 5 (36:59):
Travel is only one part of retirement.

Speaker 4 (37:02):
It exists alongside healthcare planning, housing decisions, family goals, charitable interest,
and countless other priorities. The goal is making sure all
those pieces fit together so.

Speaker 2 (37:18):
When people understand their overall retirement picture, they can enjoy
travel with more confidence.

Speaker 5 (37:23):
That's exactly right.

Speaker 4 (37:25):
When you understand your overall retirement picture, decisions about travel
become much easier because you're acting from confidence rather than
guess work.

Speaker 1 (37:36):
And that's really what financial planning is all about.

Speaker 4 (37:39):
It is That's one of the reasons I wrote Retire
your fear, Plan your future. The goal isn't simply helping
people save money, is helping them gain clarity and confidence
so they can enjoy the retirement they work so hard
to build.

Speaker 1 (37:56):
Final thoughts for our listeners today.

Speaker 4 (37:57):
I'd encourage people to enjoy the experiences that matter the most.
Travel can be one of retirement's greatest rewards. With thoughtful planning, flexibility,
and perspective, is possible to travel well, spend wisely, and
create lasting memories without creating unnecessary financial stress. Great advice,

(38:21):
mal thank you, William to learn more about building retirement
confidence and creating a plan that supports the life you
want to live. Request your complementary copy of Retire, your
Fear Plan Your Future. More informative content coming your way.

Speaker 3 (38:41):
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 1 (38:52):
Welcome back to Safe Money Strategies.

Speaker 6 (38:53):
I'm like DUSAT chief operating Officer alongside Greg Workman, investment
advisor representative. Before the break, we were discussing what investors
should expect from their financial advisor and how communication plays
such an important role in a successful advisory relationship. Greg,
one of the things we hear all the time is
my advisor is great when I can get a hold

(39:13):
of them, but sometimes it's difficult to get a call back.
For many retirees, that can be frustrating.

Speaker 8 (39:19):
It can't and honestly, it's understandable. Retirement is often the
largest financial transition someone will ever make. When questions come up,
people don't want to wait days or weeks for an
answer exactly.

Speaker 6 (39:35):
That's why accessibility is so important at Kelly Financial. We
certainly want clients to have a dedicated advisor. They know
and trust that advisor is their primary point of contact
and develops a deep understanding of their goals, concerns, and
retirement plan.

Speaker 1 (39:50):
But we also recognize that life happens.

Speaker 6 (39:53):
Advisors go on vacation, they attend meetings, Sometimes they're working
with another client when a call comes in. We've invested
heavily in technology and internal systems that allow us to
operate as.

Speaker 8 (40:04):
A team, and that's intended to be a huge benefit
to clients.

Speaker 1 (40:09):
It really is.

Speaker 6 (40:09):
When a client calls our office, we don't want them
to feel like everything comes to a stop simply because
one person isn't available. We document client conversations, planning discussions, recommendations,
and account activity so that another member of the advisory
team can quickly understand the client situation and provide meaningful assistance.

Speaker 1 (40:29):
The key is continuity exactly.

Speaker 6 (40:32):
Every advisor has their own personality and communication style, but
the underlying information is the same. If a client calls
with a question about their portfolio, a recent conversation, or
a planning matter, another advisor should be able to step
in and help without.

Speaker 1 (40:47):
The client having to stop from the beginning.

Speaker 8 (40:49):
And if it's something particularly unique or complex, then we
make sure the client speaks directly with their dedicated advisor
as soon as possible.

Speaker 6 (40:58):
There are certainly situations where that personal relationship matters, and
we're not trying to replace that. What we're trying to
do is make sure clients always have access to someone
who can help. That's a big difference, it is, and
I'll add this One of my primary responsibilities as chief
operating officer is to serve as an additional resource for
our clients. If someone has a pressing issue, a service concern,

(41:22):
or simply needs help navigating something quickly, I want them
to know there's another layer of support available. At the
end of the day, our clients have worked too hard
and entrusted us with too much responsibility to feel like
they're on their.

Speaker 1 (41:34):
Own, Mike.

Speaker 8 (41:35):
Another thing I think investors really appreciate is the proactive
nature of the relationship.

Speaker 6 (41:41):
Absolutely, we don't believe our responsibility is limited to answering
the phone when a problem arises. Our quarterly reviews are
designed to create regular touch points throughout the year, so
we're staying current with what's happening in our clients' lives.

Speaker 1 (41:54):
Retirement plans aren't static.

Speaker 6 (41:56):
People retire earlier than expected, they decide to relocate, they
help children or grandchildren financially, healthcare expenses arise, tax loss change.

Speaker 1 (42:06):
All of these things can affect a retirement strategy.

Speaker 8 (42:09):
And that's one reason we encourage clients to keep us
informed about what's happening in their lives.

Speaker 6 (42:15):
Correct The better we understand a client circumstance is the
better advice we can provide.

Speaker 1 (42:21):
That's why every review.

Speaker 6 (42:22):
Starts with questions about the client, now, questions about the market.

Speaker 1 (42:26):
The portfolio should support the retirement plan, not the other
way around.

Speaker 8 (42:30):
And that leads into something we've only touched on briefly
so far, the annual review process.

Speaker 6 (42:37):
I think that's one of the most important meetings of
the year. Our quarterly meetings tend to focus on portfolio management, performance,
market conditions, and investment strategy, but at least once each
year we encourage clients to come into the office for
a more comprehensive review of their overall retirement plan, a
true deep dive exactly.

Speaker 1 (42:56):
We're looking beyond investments.

Speaker 6 (42:58):
We're reviewing retirement incomeany withdrawal strategies, tax planning opportunities, social
security considerations, healthcare costs, beneficiary designations, and a state planning concerns.
It's an opportunity to step back and ask a very
important question, is the overall retirement plan still aligned with
the client's goals?

Speaker 8 (43:17):
Because retirement planning is about much more than just investment returns.

Speaker 1 (43:23):
It really is.

Speaker 6 (43:24):
Investment performance is important, but ultimately it's just one piece
of a much larger pitcher. A successful retirement plan should
help provide confidence. Confidence that your income strategy makes sense,
confidence that your investments are aligned with your goals, confidence
that you're making informed decisions about taxes, healthcare, and a
state planning, and perhaps most importantly, confidence that you have

(43:47):
a team helping you navigate those decisions.

Speaker 8 (43:50):
Mike, if there's one takeaway from today's discussion, I think
it's this. When you're evaluating a financial advisor, don't just
ask about performance, Ask about community. Ask how often you
will hear from them. Ask how reviews are conducted. Ask
what happens if you have a question next month instead

(44:10):
of next quarter.

Speaker 1 (44:12):
Ask how they.

Speaker 8 (44:12):
Support clients beyond investment management.

Speaker 6 (44:16):
I couldn't agree more because ultimately you're not just hiring
someone to manage investments.

Speaker 1 (44:20):
You're choosing a long term relationship.

Speaker 6 (44:23):
You're choosing someone who will hopefully help guide you through
retirement for many years to come, and the.

Speaker 1 (44:28):
Quality of that relationship matters.

Speaker 8 (44:30):
If you've never experienced that level of communication and support,
or if you've found yourself wondering whether your current retirement
plan is still on track, we'd be happy to help.

Speaker 1 (44:41):
That's right.

Speaker 6 (44:42):
As part of our complementary retirement review, we'll sit down
with you and discuss your goals, your concerns, and your
current financial situation. For some families, that means going through
our complete Safe Money Strategies planning process. For others, it
may simply mean getting a second opinion on their current
strategy away. Our goal is to help you gain clarity
and confidence about your financial future, and when you call today,

(45:05):
we'll also send you a complementary copy of our Safe
Money Strategies Workbook. It's designed to help you better understand
the key decisions that can impact your retirement and provide
a framework for evaluating your own plan.

Speaker 1 (45:17):
There's no cost and no obligation.

Speaker 6 (45:20):
To request your complimentary retirement review and Safe Money Strategies Workbook.

Speaker 1 (45:24):
Give us a call for Greg Workman, I, Mike Ducet.
Thank you for joining us this week on Safe money strategies.

Speaker 2 (45:30):
We'll see you next time. Hi everyone, this is William Kelly.
Have you ever wished you'd learned about money sooner? That's
why I wrote Only the Good invest You on a simple,
encouraging guide with real world steps anyone can follow. I
kept seeing the same thing people wishing someone had explained
to basics earlier, how to save, build good habits, avoid

(45:53):
costly mistakes, and create momentum even when you're starting's fall.
And while all investing involves risk, including the potential loss
of principle, learning the right habits early can make a
meaningful difference over time, whether you're eighteen or eighty. This
book is about confidence, clarity, and taking that first step.
If you have a child, a grandchild, or someone just beginning,

(46:16):
this is a thoughtful place to start for our listeners.

Speaker 1 (46:19):
We're sending out complimentary copies.

Speaker 2 (46:21):
Just called eight eight eight eight hundred and twenty one
or email Kelly at Kellyfinancial dot org and we'll send
you one. You can also find it on Amazon or Kindle.
I'm William Kelly, and I hope this book helps someone
you love take.

Speaker 1 (46:33):
Their first step.

Speaker 7 (46:35):
Joining us now as she always does at this time,
she is the co founder, CEO, and president of Kelly
Financial Services, and yes, that is her wonderful name, Kelly
Kelly Kelly, How.

Speaker 5 (46:54):
Are you good morning, Jeff, I am good.

Speaker 4 (46:58):
Summer is one of the most popular times of the
year for retirees to travel, whether it's visiting family, exploring
a new destination, or finally taking that dream trip. Travel
can be one of the most rewarding parts of retirement.
The challenge is that costs can add up quickly when

(47:19):
we focus on airfare and hotels, but overlook all the
smaller expenses that come along with them. That's why we
encourage people to think about travel as part of their
overall retirement lifestyle, not as a separate financial decision. In
my book, Retire Your Fear, Plan Your Future, I discuss

(47:39):
the importance of understanding the bigger picture so you can
enjoy the things you love with greater confidence and less worry.
At Kelly Financial, our advisors help people evaluate how travel, healthcare,
family goals, and other priorities fit together so they can
make informed decisions about the future. To request your complimentary

(48:02):
copy of Retire Your Fear Plan Your Future, give us
a call or email Kelly at Kellyfinancial dot org. Jeff,
Happy Father's Day, My best of Grace and the kiddos,
and I hope they spoil you all weekend.

Speaker 7 (48:18):
Thank you, Kelly, all the best to you and everyone
at Kelly Financial. To get a copy of that book,
Retire your Fear, Plan Your Future by Kelly Kelly, 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

(48:41):
you can actually email Kelly herself personally Kelly at Kellyfinancial
dot org. That's Kelly at Kelly Financial dot org.

Speaker 3 (48:57):
Safe Money Strategies A eight eight hundred one eight eight one.

Speaker 4 (49:07):
As we celebrate Father's Day weekend, I'd like to wish
all the dad's, grandfathers and father figures listening a very
happy Father's Day. And before we close out today's program,
is time for another edition of The Wit and Wisdom
of Bill Kelly.

Speaker 5 (49:26):
Listening to this.

Speaker 4 (49:28):
Week's story reminds me what a wonderful father Bill was
to William and Mary Madeleine. In this heartfelt reflection, Bill
shares some of the sayings, lessons, and little moments that
help shape him growing up and reminds us that the
greatest gifts fathers give their children often last a lifetime.

Speaker 5 (49:51):
Here's Bill Kelly.

Speaker 12 (49:56):
Well. I was at the house the other day. William
was doing some summer tutoring on his own on his PC,
and I went up to chick on him in his
room and he had a small book and I was
about to give him the dickens because he wasn't studying.
I said, William, what have you got there? He said,
I've got a book that it's called Dadisms, and it's
by the way, it's written by Kathy Hamilton. But it's

(50:18):
all the things that our dad say to us and
what they do. And he said, Dad. I started reading it.
I couldn't put it down, so I couldn't really blame him.
But they're so true what we say to our kids
and what we really mean. And we had certainly had
a lot of our share around our house when I
was a kid. There was a lot of chaos. But
turn off those lights? Do you think I made of money?

(50:40):
Have you ever heard that? Ladies and gentlemen every day
every day? My dad didn't exactly say do you think
I'm made of money? It was the number of hours
he had to work to do something or to get
something or have something, So we pretty much couldn't measure
things in life by how many hours our dad had
to work to obtain them. I guess it increased the
pain threshold a little bit for us in life and

(51:01):
made us think, well, gee, these things just don't happen.
Let me see there's a couple others. Two wrongs don't
make a right. Well, we know that's true, and our
dad often said that when we were going to set
out to beat up a bully or we were going
to somebody wrote all over our textbook, we're going to
go scribble on their no rise and shine. That wasn't
a real popular thing around our house. That wasn't tough

(51:22):
enough around our house. Ladies and gentlemen, Rise and shine
was very often never said, more like, if you don't
get out of that bed, I'm gonna dump a bucket
of water on you. That was probably closer to what
we got. It's time to separate them man from the boys.
We probably heard that more from our grandfather than my dad.
Do your homework, well, that's needless to say. We heard

(51:43):
that a lot. Where were you raised in a barn?
I guess that meant, why was the door open wherever?
We raised in a barn. I don't know how many
times they said that, And are we going to heat
the entire neighborhood? We could never say, well, we're going to coolly.
We never had an air conditioner ever in our house ever.

(52:04):
And I left for the Air Force I was twenty two.
There was still no air conditioners anywhere to be seen,
so no one had to worry about us having unsightly
air conditioners poking out of our farmhouse window. What's so funny?
Wipe that smile off your face. Now, that's a good one.
That's a good one right there. We didn't smile much
when we were getting chewed out, but Dad never really

(52:25):
chewed us out, so it was mom. And Mom probably
had more claim to that saying. And I remember I
ran away and he said. I said, Dad, I'm running away.
I was nine. I said, I'm running away and I'm
taking Mini, Minnie was the dog. He said, okay, well,
wish you the best, and if you ever want to
come back, give us a call or just come on back.
So I ran out into a field next to our house.

(52:47):
We had about a twelve acre a bit of land
next to our farm that we owned, and I had
a fort out there. So I took a blanket, minie,
my boy scout knapsack, and went out about maybe one
hundred yards from the house, little grove of brush, and
patted everything down, made my fort, and then I run
five point thirty. When dinner was served, Dad yelled out

(53:09):
the window, it's dinner time. I remember seeing him and
hearing him, and I stood up. My head was probably
just poking over the brush. I said, I ran away.
You forgot I ran away. I can't eat, so he said, okay,
but we've got meat loaf, So why don't you come
home have some meat loaf? Man, you'll get some dog show,
and then you guys can If you still want to

(53:30):
run away, you can do it, but why not get
a good meal. So he came home at the meat
loaf and completely forgot that I ran away. So obviously
you're getting the idea. My dad was a pretty good guy,
and a lot of these dadis And do you think
I'm made of money? Well, what's the corollary to that?
Whenever I left for a dance, whenever I left for
an activity. After I was twelve, fourteen, sixteen years old,

(53:52):
when I headed out for the Air Force, I had
up to Boston to get my there was a plane
at the time. My dad always had twenty dollar bill,
so he was the man who wasn't made out of money,
but he was also the man that always made sure
we had a twenty dollar bill in our pockets. Where
I don't know where he got the twenty dollar bill
because there were seven of us in that house at

(54:14):
the time. Originally there were ten, so that's a lot
of twenties. So dadisms just sort of tell you that
there are certain things that happened within a family, and
we get these traditions, and you just have to look
back on these little rules of the road, so to speak.
You don't let your mother hear you say that. That
was kind of a way to let you know. He

(54:35):
wasn't really against what he was saying. Usually that was
the word crap or something, but he wasn't thinking it
was the best thing to be saying for a nine
year old maybe or a twelve year old, But he thought,
it doesn't really bother me that much, but you better
not let your mother hear that. My mother had her
own set of I guess we'll have to call them
momisms because they were more hard core. They cut to

(54:57):
the bone very quickly, and and he made someone like
me change my behavior abruptly, or at least stop my
behavior suddenly and think about it before I proceeded with
something that was irritating my mother because I saw that
the meter was going up. Don't take any wood, Nichols.
I still don't know what that means, but I haven't

(55:18):
ever done that. And at the end, what would he say.
He'd say to me, You're going to be something special someday,
and you know what, he did say that to me,
So I appreciate that. I hope I can do the
same for my son as my dad did for me.
He was always there, never let us down, and he

(55:38):
always had room in his heart to help others. And
he was a great, great family man. So we had
the dadisms to go with that. And it works out
very well, doesn't it. A family has a lot of
different moving parts. But in the end, for those of
you who have experienced that, you know what I mean,
and those of you who haven't, I wish that you
do or could or will, because it's a great feel

(56:00):
to have when you have people who love you, but
they can't always express it lovingly, and the way that
they care for you in a family sometimes is very stern.
And the final thing that my father would say, this
hurts me a lot more than it hurts you, and
it probably does. Know that I'm a dad. He was
exactly right.

Speaker 3 (56:21):
We'll call Kelly Financial Services eight eight eight eight hundred
eighteen eighty one.

Speaker 5 (56:26):
I'm Kelly Kelly from Kelly Financial. Whether you're in your.

Speaker 4 (56:30):
Sixties, seventies, or eighties, financial advice is important when it
comes to preserving your nest egg. We have a free
investor guide called designing your Fiscal House to Weather the Elements,
which highlights the steps needed to build a balanced portfolio.
For the guide, call eight eight eight eight hundred eighteen
eighty one or email Kelly at Kellyfinancial dot org.