Kelly Financial: Saturday, June 21, 2025

Episode Transcript

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

Speaker 2 (00:21):
Good morning, dear Boston. I'm John Boudris and Kelly Financial.
Safe Money Strategies indeed carries on every Saturday morning right
here on WRKO six eight on the AM dial and
online from just about anywhere. Well, we have a lot
on the show today, so we're going to get right
to that. We of course will be hearing from the

(00:41):
advisors at Kelly Financial and with us is Kelly Kelly,
the CEO of Kelly Financial Services, and the beast William
Kelly will be talking with us too later in the show,
So stay with us and we will be back in
a New York.

Speaker 3 (00:57):
Minute Safe Money Strategies with John Woodrus and Kelly Kelly
called Kelly Financial on eight eight eight eight hundred, eighteen
eighty one. We'll go to Kellyfinancial dot Org.

Speaker 4 (01:21):
Good morning, dear friends and dear listeners. I'm Kelly Kelly,
and welcome to our forever young segment. I am joined
as always by my handsome and insightful son, William Kelly Junior,
as we chat every Saturday morning about life and the
current happenings of the week.

Speaker 1 (01:41):
Good morning, William, Good morning Mom. How are you. I'm
doing great? How about yourself.

Speaker 5 (01:47):
Well, we had a very eventful week and one event
in particular, and it was a wedding. Yes, it was
a good friend of ours, a family friend of ours,
got married at the age of twenty one. Ladies and gentlemen,
it's like we're back in the nineteen thirties, forties, fifties
and sixties. It's a reawakening into the old days, which

(02:08):
honestly great for them.

Speaker 1 (02:09):
That's amazing.

Speaker 5 (02:10):
They decided to get married so young. They're a fantastic couple.
They are two fantastic people, devout Christians. They have a
wonderful family, and they're both hard working and very tough.

Speaker 1 (02:21):
They are. They've been so excited to get married.

Speaker 5 (02:24):
That's true. They've been looking forward to it forever. The
wedding was spectacular. The event was it was a very
very beautiful event. It was over in Plymouth.

Speaker 1 (02:36):
Yes, it was in Plymouth.

Speaker 5 (02:37):
Okay, it was over in Plymouth, and it was at
this it was this old mill and they restructured it
for events.

Speaker 1 (02:44):
It's this beautiful place. That's really true. It really was.

Speaker 5 (02:48):
And so the reception and the party, everything was all
under the same building. So the actual wedding ceremony and
the party all happened under one roof in the same area.

Speaker 1 (03:00):
So we come in, it's like thirty minutes of talking.

Speaker 5 (03:03):
They just get married real quick and then like nothing
ever happened. And then they move everything out of the way,
prepare the dance floor, and oh my gosh, ladies and gentlemen.
I'm nineteen years old, right, So I wasn't going to
entertain the idea of alcohol. I didn't have a drip
of alcohol, but man, did I have a blast. No
drinks were necessary to have so much fun. I danced

(03:27):
my life away. I tried to get you and Mary
Madeline out there, but I know you guys are enjoying conversations.

Speaker 1 (03:33):
With you guys, we're too busy talking.

Speaker 5 (03:35):
Yeah, I'm Murray Madeline. I tried to drag her on
the dance floor. To be honest, I will call this
person Bobby, you know, to protect his identity. So Bobby
the groom said to me a couple of days before,
he said, I'd better see you on the dance floor, William, and.

Speaker 1 (03:49):
I said, Bobby, I don't know about that. I don't
know if that's going to happen.

Speaker 5 (03:52):
And then we started talking about ideas and he said,
what if I go on your shoulders and you start dancing,
And so you know he's trying to lure me in
here with ideas because he really wants me on the
dance floor.

Speaker 1 (04:02):
So you know what, I said, it's his wedding, I'll
do it for him. And you know he was hoping
you could make it.

Speaker 6 (04:08):
Mom.

Speaker 5 (04:09):
He was more hoping Mary Madeline could make it to
the dance floor as well. You knew he was going
to give you some credit because I know you had
a knee injury lately and then you were covered and
you're back on track, so he was very mindful about that. Well, anyways,
I pick a Bobby and he goes to my shoulders
and I'm dancing with him on my shoulders and then

(04:29):
we get in a wrestling match in the middle of
the dance floor. We're all we're stirring the pot. We're
doing the worm, ladies and gentlemen.

Speaker 1 (04:37):
I had the greatest around of my life on that
dance floor.

Speaker 5 (04:41):
And I'll never know what it's like to go to
a dance party, a DJ party like you went to,
you know, in the eighties and the seventies. I can't
even imagine how amazing. It was, but I think that
night I got a small taste because all the Michael Jackson. Truthfully,
it was just and everybody was awesome. Everybody's having fun.
I'm a horrible dancer, ladies and gentlemen, but it's all

(05:02):
about confidence, just going out there and doing it true
and that's all that matters. Having fun. Absolutely, we had fun.
We had a blast. And his friends are amazing. His
family's amazing. And the bride will call her Lily to
protect her identity. Lily and her family, they are wonderful
people and they're a wonderful couple together.

Speaker 1 (05:24):
So we wish them the best. I know, I know they.

Speaker 5 (05:27):
Found a very nice home they moving in together, and
we've been invited to go see them. So congratulations to
Lily and Bobby. And if you are hearing me, call
you guys this.

Speaker 1 (05:38):
I know you guys are laughing. You know they are.
Oh yeah, So congratulations to both of you. That was fun.
That was fun.

Speaker 4 (05:48):
Do keep us on your dial. We have a lot
of great information coming your way. We're almost halfway through
the year and is the perfect time to assess where
we stand, both in the March markets and in overall
financial planning, Mike du Said and Greg Workman. We'll be
discussing the stock market volatility we've experienced so far, the

(06:10):
Federal Reserves, decisions on interest rates, and what all this
means for your financial strategy.

Speaker 1 (06:18):
AI is more.

Speaker 4 (06:19):
Than a buzzword. It's reshaping how we live, work and invest.
This week, Mary, Madeline Kelly and Greg Murray will break
down what artificial intelligence really means for your portfolio and
how to approach this fast moving space with clarity and caution.
And I'll be back with William for a two part

(06:41):
conversation on smart retirement planning, covering everything from budgeting for
rising costs to staying confident in uncertain times. And of
course we'll have some wit and wisdom from Bill Kelly
at the end of the hour. That's all for forever
Young today. Thank you for listening, William, thank you for

(07:01):
joining me this morning, and the two of us will
be back very soon. I love you, Honey, Love you.

Speaker 1 (07:06):
Too, Mom, and I look forward to talking to you
next week.

Speaker 2 (07:18):
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 7 (07:28):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree twenty years ago? When's the second best
time to plant a tree? Tomorrow? Today? Whenever you can
get to it, that's the next best time.

Speaker 2 (07:43):
There's no time like the present to begin saving, planning,
and enjoying retirement. So download our consumer guide simply called
a Happy Retirement and find six secrets of how you
can spend your time to cultivate happiness and retirement well lived.
Go to Kelly Financial dot Org or call eight eight

(08:04):
eight eight hundred eighteen eighty one to spend some time
with one of our financial advisors.

Speaker 7 (08:10):
Time, ladies and gentlemen, it's not too late.

Speaker 2 (08:12):
We are Kelly Financial. Come retire with us.

Speaker 3 (08:17):
Safe money strategies brought to you by Kelly Financial Services.
Called eight eight eight hundred eighteen eighty one or go
to Kelly Financial dot Org.

Speaker 1 (08:29):
Come retire with us.

Speaker 8 (08:32):
Okay, my friends, retirement isn't the end of the novel
of your life. It's a brand new chapter. But let's
face it, a lot of people head into it unprepared.
Between inflation, market swings, rising taxes, even the kids moving
back home. They can get overwhelming and fast. That's where
Kelly Financial comes in. CEO Kelly Kelly put together a

(08:55):
free guide. It's called Retire Your Fear, Plan Your Future.
It spells out what you need to know about retirement,
income taxes, social security, and the good news living longer
than expected. And it's all written in plain English, no
Wall Street jargon. This guy takes the guest work out
of retirement and again it's absolutely free. So call now

(09:19):
to get your copy eight eight eight eight hundred eighteen
eighty one eight eight eight eight hundred eighteen eighty one
or email Kelly at Kelly Financial dot org. That's Kelly
at Kelly Financial dot org.

Speaker 9 (09:38):
Good morning, and welcome to another episode of Safe Money Strategies.
I'm Mike du Said, chief operating officer at Kelly Financial Services.
We're almost halfway through the air and it's the perfect
time to assess where we stand both in the markets
and in our financial planning. Today we'll be discussed in
the stock market volatility we've experienced so far, the Federal reserves,

(09:59):
decisions on the interest rates, and what all of this
means for your financial strategy.

Speaker 10 (10:04):
Good morning, I'm Greg Workman, investment advisor at Kelly Financial.
It's great to have you with us today as we
take a deep dive into the financial landscape at the
midpoint of twenty twenty five.

Speaker 9 (10:15):
Let's start with the stock market. It's been a rollercoaster
ride this year.

Speaker 10 (10:20):
The year began with optimism, but that quickly turned to uncertainty.
The US financial markets faced significant volatility due to President
Trump's aggressive tariff policies, culminating in a sharp market downturn.
On April TEWOD dubbed Liberation Day, the administration imposed a
ten percent universal import duty on all goods, with additional

(10:44):
tariffs up to thirty four percent on ninety trading partners,
including China and the EU. This led to an immediate
market reaction. The Dow Johns Industrial Average plummeted over thirteen
hundred points and the S and P five hundred lost
over three three percent in a single day.

Speaker 9 (11:02):
But then the administration announced a ninety day pause on
these tariffs, which provided some relief. Markets rebounded, but the
uncertainty hasn't disappeared now.

Speaker 1 (11:12):
All eyes are on the upcoming deadlines.

Speaker 10 (11:15):
But ninety day pause is set to expire next month
and There's also a critical deadline in August for tariff negotiations.

Speaker 1 (11:23):
These dates could.

Speaker 10 (11:24):
Be pivotal in determining the next phase of market movement.

Speaker 9 (11:28):
So while there's some optimism, the situation is still fluid.
Investors are holding their breath waiting for concrete outcomes.

Speaker 10 (11:35):
Now let's turn our attention to the Federal Reserve. In March,
the FED decided to hold interest rate steady at four
and a quarter to four and a half percent. This
was the first meeting without a rate cut since July
of the previous year.

Speaker 9 (11:49):
The Fed's decision was influenced by several factors, including persistent
inflation concerns and the uncertainty created by the new tariffs.
The central bank is walking a tightrope trying to be
Allen's economic growth with inflation control.

Speaker 10 (12:03):
And it's not just about holding rate steady. The FED
has indicated that rate cuts are still on the table.
Their projections suggest two rate cuts later this year, but
that depends on how the economy evolves exactly.

Speaker 9 (12:17):
If inflation remains elevated or if the labor market continues
to show strength, the Fed may hold off on cuts,
but if economic conditions weaken, we could see those cut
rates sooner.

Speaker 10 (12:28):
It's a delicate balancing act, and the Fed's decisions will
have significant implications for everything for mortgage rates to investment returns.

Speaker 9 (12:37):
So with all this uncertainty, what should investors be doing?

Speaker 10 (12:41):
First and foremost, it's important to stay informed and stay flexible.
The financial landscape is changing rapidly and what worked last
year may not work moving forward. That's why it's crucial
to have a diversified portfolio. Diversification can help mitigate risks
and smooth out the bumps in the market.

Speaker 9 (13:03):
So, with all this turbulence in the markets, from tariffs
to interest rate uncertainty, a lot of folks are asking
the same question, what should I be doing with my
money right now?

Speaker 1 (13:12):
And that is a good question.

Speaker 10 (13:14):
The answer, as always, depends on your personal goals, your
time horizon, and your tolerance for risk.

Speaker 1 (13:20):
But here's the bottom line.

Speaker 10 (13:22):
This is the perfect time for a powerful mid year
financial review and.

Speaker 9 (13:26):
That's our theme today for a reason. The middle of
the air is a fantastic opportunity to pause and reflect.
Think of it like checking your GPS halfway through a
road trip. You might be on track, or you might
need to regroup a bit and with the volatility we've
seen so far this year and the uncertainty looming in
the second half of twenty twenty five, it's more important,

(13:47):
more than ever to see where you stand financially. So
what does a midyear review actually involve? Great question, but
we need to take a quick break before we answer it,
So stay tuned and we'll be back shortly.

Speaker 3 (14:04):
Kelly Financial Services eight eight hundred, eighteen eighty one.

Speaker 9 (14:10):
I believe that this nation should commit it zel achieving
the goal of landing a man on the Moon and
returning him safely to the Earth.

Speaker 7 (14:19):
Sixty five four three two one zero All engine.

Speaker 1 (14:26):
Run looked, God, look that an Apollo leve.

Speaker 2 (14:30):
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

(14:50):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred, eighteen eighty one or
visit us at Kelly Financial dot org. Where do you
want to land? With any tanguality behavior.

Speaker 1 (15:05):
I've landed.

Speaker 2 (15:05):
We are Kelly Financial Services. Come retire with us.

Speaker 8 (15:10):
Now in the city and.

Speaker 2 (15:15):
Hot Town and some are in the city. That's John
Sebastian and the Love and Spoonful Singing. I think it
was the summer of sixty six because I had a
job that summer and the next one even I was
a freshman in high school at Xaverian and I was
a truck driver's mule that summer, And it was from

(15:36):
my uncle, who was a truck driver for another company.
He wasn't my blood uncle, he wasn't a sibling of
one of my parents. He was the husband of my
mother's sister. He was Italian. I say that like that
because he was one of the few adults whom I
knew who was not Lithuanian. And I liked him uncle,

(15:59):
but he was very different from all the other ones.
He told me dirty jokes. Many of his comments were
double on tundras, if you know what I mean. And
our work day began probably around five thirty, when he
would beat the horn in front of my house and
I'd come running down from the three decker and hop
in the truck. It would be five thirty. I would

(16:22):
probably doze half the way to Boston. But our first
stop was a little coffee joint near Newmarket Square. Enough
for many of you who don't know exactly the layout
of Boston, when you came off the expressway, if you
went left, it was all to the food district, the
produce district, the meat district, and that's where we would go.
We would be loading up this big refrigerator truck full

(16:47):
of various kinds of meat, from hot dogs and hamburger
patties to whole lambs that would hang on this little
rack that would kind of slide. It was like stacking
bodies every morning. And that was the summer of sixty six.
And I learned so much that summer from that first job. Anyway,

(17:10):
that was the summer of sixty six and the love
and spoonful, and it was an education, I'll tell you.
And I think I think that's missing these days. Am
I really sounding like Archie Bunker to think that high
school kids that go to Catholic high schools in the
summer work physical jobs like that that are kind of miserable,
and then they all should It's a type of a

(17:31):
baptism that everybody should have, you know. It really is
a good teacher, and unfortunately it's not happening with many
of our kids these days. Well, hot down summer in
the city. Get back to your tomatoes. Mine are beautiful, utterly,
utterly beautiful.

Speaker 3 (17:55):
The Money Wrap with Kelly Financial Advisors, Greg Murray, Mary
Madeline Kelly.

Speaker 1 (18:02):
Good morning.

Speaker 11 (18:03):
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 12 (18:11):
Good morning, Greg, I am doing great. I am actually
leaving for a trip to Banfs, Canada. It will be
a little mix of pleasure in business, but I'm really
looking forward to exploring a new place. It'll be heard
seeing such gorgeous mountains and not skiing on them, but hey,
maybe it'll be. My bucket was to ski there in
the future. Have you ever skeed up in British Columbia.

Speaker 1 (18:31):
No, I have not been there yet.

Speaker 11 (18:33):
It is on my grow list of places to go,
but Lake Lyves is one of the most beautiful places
I have ever seen.

Speaker 1 (18:39):
You will enjoy your time there.

Speaker 12 (18:40):
I am mostly excited to see Lake Louise. It looks spectacular.
So today we are talking about one of the biggest
buzzwords in the market right now, artificial intelligence or AI.

Speaker 11 (18:51):
This is a topic that's been popping up in almost
every conversation we have with our clients. Everyone wants to
know what actually is AI and what does it mean
to invest in it.

Speaker 12 (19:00):
Right because it's easy to get swept up in the
headlines companies talking about AI this, AI that. But let's
strip it down. At its core, artificial intelligence is about
building computer systems that can do things we usually associate
with human thinking. That could be recognizing speech, interpreting images,
making decisions, or even learning from experience exactly.

Speaker 11 (19:23):
So when we talk about AI in a financial sentence,
we're talking about a wide range of technologies, from learning
machine algorithms and language models like CHATCHPT, to automated driving systems,
predictive analytics, robotics, and more. It's not just one product
or company, It's a whole ecosystem, and I think that's
important to point out. AI is in a single investment opportunity.

(19:44):
It's not like buying one stock or one fund. Investing
in AI can mean a lot of different things. For example,
you might be investing in companies that are developing AI
like semiconductor manufacturers, software companies, or data infrastructure firms, or
companies that that are applying AI. Think healthcare companies using
AI to improve diagnostics, or logistics firms optimizing delivery roads

(20:06):
using machine learning. Even industries like agriculture and finance are
adopting AI to improve efficiency and cut costs.

Speaker 12 (20:14):
So if you're thinking about investing in AI, the first
step is figuring out what kind of exposure you're looking for.
There are three broad categories people usually talk about. One
picks and shobbles companies that build the tools AI runs on,
like chips and data centers. Two platform leaders big tech
companies that are building and integrating AI into their products

(20:37):
at scale. And number three the adopters companies in other
industries that are using AI to transform how they do business.

Speaker 1 (20:45):
That's a great framework. Then there's also how you invest.

Speaker 11 (20:48):
You could buy individual stocks if you really leave in
a company future, but that comes with risk. AI is
still a developing space and not every company will win
for many investors.

Speaker 12 (20:58):
A more balanced approach might be using a diversified ETF
or mutual fund that focuses on AI.

Speaker 1 (21:04):
Or tech innovation. That way, you're not betting on just
one horse in the race, and.

Speaker 11 (21:09):
Of course it's important to think about your time horizon.
AI is one of those long term innovation trends. We're
still in the early innings, so while the excitement is understandable,
the real payoff may come years down the road, especially
for younger or growth focused investors.

Speaker 1 (21:22):
But with that potential comes volatility.

Speaker 12 (21:24):
We've already seen some big swings in AI related stocks,
so if you're looking to get in, it's worth asking
yourself how much risk are you comfortable with?

Speaker 1 (21:33):
How does this fit in with the rest of your plan?

Speaker 11 (21:35):
Right, and just because something's hot in the market doesn't
mean it belongs in your portfolio. AI may be it
a future, but the future should still be built on solid,
diversified foundation.

Speaker 12 (21:45):
So bottom line, AI is real, it's growing, and it's
already changing the way businesses operate. But investing in AI
isn't about chasing hype. It's about understanding the landscape, taking
a thoughtful approach, and making sure it aligns with your
personal goals.

Speaker 11 (22:00):
Well said, and if you're curs about whether AI makes
sense in your investment strategy, is always a good idea
to sit down with the trust and advisor who can
walk through the options with you.

Speaker 1 (22:08):
And we're always happy to help.

Speaker 12 (22:10):
So thank you for your time today, Greg and I
look forward to filling you in on my trip Zoo trub.

Speaker 3 (22:17):
To get in touch with Greg Murray or Mary, Madeline Kelly,
or any member of the Kelly Financial team, call eight
eight eight eight hundred, eighteen eighty one.

Speaker 2 (22:31):
I'm John Boudris, and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.

Speaker 7 (22:42):
You can always make money if you haven't if you
lose it all, It's very difficult to do that. So
you have to have a plan. If the market goes
up quite a bit or down quite a bit, you
have to be ready. And how do you sort fact
from fiction?

Speaker 2 (22:55):
Download Kelly Financial's consumer Guide simply called the Value of
an Objective Opinion. With so much Ed's steak with your
retirement future. You don't just want any financial advice, but
objective financial advice, and as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org

(23:18):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.

Speaker 1 (23:22):
Ladies and gentlemen, sort fact from fiction.

Speaker 2 (23:25):
We are Kelly Financial Services. Come retire with.

Speaker 3 (23:28):
Us Safe Money Strategies with John Fudris and Kelly Kelly.
Call the team on eight eight eight hundred eighteen eighty one.

Speaker 1 (23:39):
Care and we're back.

Speaker 5 (23:46):
Hey folks, it's me William Kelly Junior, and I'm stepping
in for our usual co host and my good friend
John Boudris. Welcome to the Safe Money Strategy Show. And
today I'm here with someone you all already know, my mom,
Kelly Kelly. She's the CEO here at Kelly Financial Services.

Speaker 1 (24:01):
Hi Mom, Hi William, thank you for helping out today.

Speaker 4 (24:06):
So how does it feel to be on the other
side of this mike and filling in for John Boudris.

Speaker 1 (24:13):
Honestly, it feels pretty great.

Speaker 5 (24:14):
I get to talk to you, help our listeners, and
maybe even bring a little bit of the next generation's
perspective to the mix. So today we're talking about something
that gets very real, very fast, and retirement your budget.

Speaker 4 (24:25):
Yes it does, William. Once the paycheck stop, every dollar
has a job. Retirement isn't just about how much people
have saved, is about how smart they are with what
they spend, and.

Speaker 5 (24:39):
I'm finding out fast how much young adults need a
budget too, So I'm paying attention.

Speaker 1 (24:43):
Okay, mom, let's get started.

Speaker 5 (24:45):
Something I hear you talk about all the time is
how retirement isn't just about shifting financially but also mentally.
When it comes to budgeting, is it harder to do
after you stop working?

Speaker 4 (24:55):
Great question, William. So, when folks are working, budgeting feels
like a safety net. They are earning money, they're saving it,
building with it. But once they retire, every dollar spent
feels like it is subtracting from their future, and that
shift can be mighty scary, so much so that people

(25:17):
become afraid to spend the money they have.

Speaker 1 (25:20):
So what are people afraid of running out of money?

Speaker 4 (25:22):
Yes, even folks with solid savings can fill that fear,
and it's understandable.

Speaker 1 (25:31):
When you don't know exactly how.

Speaker 4 (25:33):
Long you'll need your money to last, and there's no
replenish button, the weight of spending can get very heavy.

Speaker 1 (25:41):
What's your advice for getting over that fear?

Speaker 4 (25:43):
Then, I'd say face it head on. And that's where
budgeting comes in. When people know what's coming in and
going out and they've built in some flexibility. It's okay
to stop worrying and start living.

Speaker 1 (25:59):
That makes sense.

Speaker 5 (26:00):
I guess it's like having a GPS instead of just
driving around hoping you'll make it to the next gas station.

Speaker 4 (26:05):
Exactly, And in retirement, running out of gas is not
an option.

Speaker 5 (26:10):
Okay, So let's say someone retires next month. What's the
very first step they should take when creating a retirement budget.

Speaker 1 (26:16):
Well, first start by listing everything.

Speaker 4 (26:20):
This includes housing, food, healthcare, entertainment, taxes, and gifts.

Speaker 1 (26:27):
I'd say, don't guess, but use real numbers.

Speaker 4 (26:30):
Look at the last twelve months of spending, and then
create an average monthly baseline.

Speaker 1 (26:37):
And what about inflation. Shouldn't they assume costs are going up?
They should. Inflation is a part of life, even in retirement.

Speaker 4 (26:44):
We usually assume around two to three percent annually for
most budgets.

Speaker 1 (26:50):
And what about tracking their expenses every month? They should
also do that, at least in the beginning.

Speaker 4 (26:56):
Remember when you learn to drive, William, I sure do, Mom,
Remember very well, you were paying attention to every sign,
every move.

Speaker 1 (27:05):
Is like that when getting started with budgeting.

Speaker 4 (27:09):
But then they get into a rhythm, so reviewing their
budgets quarterly is easy. Plus there are very handy tracking
tools that can help keep.

Speaker 1 (27:19):
Things on course.

Speaker 5 (27:20):
Okay, so next up needs versus wants? How to retire
rees decide what's in need and what's a want.

Speaker 4 (27:26):
Needs are like housing, food, medicine, things that are needed
for survival, while once are like dining out hobbies.

Speaker 1 (27:37):
They are related to lifestyle.

Speaker 4 (27:39):
Both do matter, but it's important to understand which ones
are optional.

Speaker 1 (27:46):
Do you think that most people struggle with cutting back
mom Not always.

Speaker 4 (27:50):
In fact, some retirees are so good at budgeting that
sometimes they go too far and deny themselves some of
the simple joys.

Speaker 1 (28:00):
The key here is balance.

Speaker 4 (28:02):
It's important to know what's affordable and then plan for
whatever brings happiness.

Speaker 1 (28:08):
So it's not about cutting out the fun, it's about
planning for it.

Speaker 4 (28:11):
That is correct, William. Smart budgeting leaves room for joy.
Folks just need to make sure that their joy is
not putting their future at risk.

Speaker 5 (28:23):
I like that we're talking about fun, but what about
budgeting for big goals like traveling, family or even giving back.

Speaker 1 (28:29):
How do we guide them to set aside that money. Well,
just because people.

Speaker 4 (28:32):
Are retired, it does not mean they stop dreaming, whether
it's a trip to Italy, a family vacation, or giving
to charity. At Kelly Financial we help clients identify what
lights them up. If legacy or lifestyle matters to our clients,
they deserve a place in the budget.

Speaker 1 (28:53):
Retirement is about thriving responsibly.

Speaker 5 (28:56):
I like that, even on my age, I know the
difference between living outside my means and living smart.

Speaker 4 (29:01):
And if more young adults thought that way, William, our
job would be a whole lot easier in the long run.

Speaker 5 (29:08):
So we've talked about how important it is to understand spending,
track it and even dream a little.

Speaker 1 (29:12):
But people don't have to do it alone, right, That's right.
Plus most people don't want to.

Speaker 4 (29:18):
Retirement is complex, so that's where a fiduciary financial advisor
comes in.

Speaker 1 (29:24):
And that's what we are at Kelly Financial Services exactly.

Speaker 4 (29:28):
Our Kelly advisors are fiduciaries who make sure our clients
money supports their goals and.

Speaker 1 (29:35):
Not the other way around. So how do you help
someone with their budget? We start by listening.

Speaker 4 (29:41):
Then our Kelly advisors build a customized plan that includes
a budget, one that's grounded in reality but flexible enough
for real life.

Speaker 1 (29:52):
Really in their corner, aren't we? Yes, we really are, William.

Speaker 5 (29:55):
Okay, So this is the part of the show where
John asks about resources for our listeners. Do we have
something that they can use to help them start putting
a budget together?

Speaker 1 (30:03):
We actually do.

Speaker 4 (30:04):
Our free Safe Money Strategies Workbook is a great tool
for figuring out their budget. This free investor guide has
a monthly budget worksheet where folks can fill in their household,
daily living.

Speaker 1 (30:18):
And healthcare expenses.

Speaker 4 (30:20):
This puts it all in black and white, all in
one place, and it's quite empowering.

Speaker 5 (30:25):
I've seen our Safe Money Strategies Workbook and it really
is a useful tool. So to get the guide, to
make a complimentary employment with a Kelly Financial Services Advisor
called eighty eight eight hundred one eight eight one, or
email Kelly at Kellyfinancial dot org. That's all the time
we have for now. Thanks so much for joining me,
William Kelly Junior, and for John Budris. When we come back,
we'll continue our conversation about smart budgeting when we discuss

(30:48):
budget eaters to watch out for and some tools that
can help you keep on track. You're listening to Safe
Money Strategies the radio show heard right here on WRKO
and streaming on the iHeart app. We're in our twentieth
year broadcasting, so thank you for tuning in. Stay tuned,
and we'll be.

Speaker 1 (31:02):
Back in just a moment.

Speaker 3 (31:08):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight at eight eight hundred eighteen eighty one or
visit Kellyfinancial dot org.

Speaker 2 (31:18):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty one years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation, call eight eight eight eight hundred eighteen

(31:41):
eighty one or email Kelly at Kelly Financial dot org.
We're Kelly Financial. Come retire with us.

Speaker 3 (31:48):
Safe Money Strategies with John Fudris and Kelly Kelly. Call
the team on eight at eight eight hundred eighteen eighty one.

Speaker 1 (32:00):
And we're back.

Speaker 5 (32:02):
It's me again, William Kelly Junior, stepping in today for
our usual co host and my good friend John Boudris.
I'm here with someone you here every week, my mom
Kelly Kelly. She's the CEO at Kelly Financial Services. Hello again, Mom,
Hello again, William.

Speaker 4 (32:15):
I'm so happy to be back with you on this
Saturday morning, and again I thank you for helping us
out today as my handsome co host.

Speaker 1 (32:25):
Oh, you're welcome. I am happy to do it.

Speaker 5 (32:27):
We're talking today about how to build a smarter retirement
budget so you can enjoy the life you've built and
not worry about outliving it.

Speaker 4 (32:34):
It is such an important topic, William. No one wants
to worry about money, especially in retirement. Peace of mind
comes from knowing where the money is going and that
it will last.

Speaker 5 (32:47):
I'm glad you mentioned that, Mom, where the money is going.
Let's talk about the sneaky stuff that chips away at
retirement budget without people noticing.

Speaker 4 (32:54):
The biggest culprits are taxes, inflation, and unexpected cost Inflation
reduces purchasing power slowly but surely, and taxes can take
a real bite out of retirement income. But I thought
people paid less taxes in retirement sometimes but not always.
Social Security can be taxable. Rmds from iras can bump

(33:19):
folks into a higher bracket, so if they don't plan,
they could pay more than necessary.

Speaker 1 (33:25):
What should they do about that? Diversification?

Speaker 4 (33:28):
By having some money in traditional accounts, some in WROTH accounts,
and some in taxable investments, folks get flexibility in how
and when they draw income and inflation. Their best offense
is investing in things that keep pace with inflation and
keeping spending in check. Folks should talk to their advisor

(33:51):
about their best options.

Speaker 5 (33:53):
Okay, So when it comes to bud sting, where does
healthcare fit into the mix.

Speaker 1 (33:57):
It's actually a bit of a wildcard, William.

Speaker 4 (33:59):
It's some predictable and expensive, with health care cost rising
faster than general inflation. Unfortunately, most people underestimate what they'll
actually spend.

Speaker 1 (34:12):
But Medicare helps, right, it does, but it does not
cover everything.

Speaker 4 (34:17):
For example, dental, vision, hearing, and long term care are
not covered by traditional medicare, and even with supplemental plans,
retirees may still face copays, deductibles, and premiums that eat
into their budget.

Speaker 1 (34:35):
So how do you prepare for that kind of uncertainty?

Speaker 4 (34:37):
Folks can build in a healthcare buffer into their budget,
which is a separate line item. It could be long
term care insurance or setting aside part of their portfolio
specifically for medical expenses. Planning ahead reduces stress later.

Speaker 1 (34:56):
It sure does, mom. So let's talk about income.

Speaker 5 (34:58):
How should our listeners line up they're spending with money
they're actually bringing in during retirement.

Speaker 1 (35:03):
Well, it all.

Speaker 4 (35:04):
Starts with looking at their income streams that could be
Social Security pensions, retirement accounts, annuities, or maybe rental income.
Then map out which ones are guaranteed and which ones
depend on markets or timing.

Speaker 5 (35:21):
So some are like steady paychecks while others are more
like stock market roller coasters.

Speaker 1 (35:26):
That's a good way to put it, William.

Speaker 4 (35:28):
The goal is to match predictable income with essential expenses
while using less predictable sources for the fun stuff or extras.

Speaker 5 (35:38):
So budgeting and retirement is about being adaptable exactly.

Speaker 4 (35:43):
The most successful retirees are the ones who stay open
and adjust over time.

Speaker 5 (35:49):
That makes sense. Okay, let's get practical. Are there tools
or apps? I like using apps that retirees can use
to track their spending?

Speaker 4 (35:57):
Oh?

Speaker 1 (35:58):
There are so many? Just to name a few.

Speaker 4 (36:01):
Mint why nab which is you need a budget or
even simple spreadsheets work great. It's important to remember, though,
that the best tool is the one they use.

Speaker 5 (36:15):
Consistently and for our listeners who may not be tech savy,
no problem.

Speaker 1 (36:20):
Pen and paper still work.

Speaker 4 (36:22):
Some of our clients use paper trackers or even envelope
systems to manage cash.

Speaker 1 (36:28):
The goal is clarity, not perfection.

Speaker 5 (36:31):
You know, the more we talk about this inflation, taxes, markets, healthcare,
the more it sounds like budgeting isn't just about dollars.

Speaker 1 (36:38):
It's about keeping up with change.

Speaker 4 (36:40):
That's right, and that is where an experienced advisor can
make all the difference. At Kelly Financial Services, we don't
just build a plan. We help people live with the
plan through all kinds of changes.

Speaker 1 (36:55):
So what do you do when someone's financial picture suddenly changes.

Speaker 4 (36:58):
Our Kelly advisors it down, revisit the budget and make adjustments.
It's all about staying calm, strategic, and proactive.

Speaker 1 (37:08):
I guess it's kind of like having a coach, right.
That is a great way to put at William and
I know you understand this.

Speaker 4 (37:15):
A coach helps players stay focused, keep their heads in
the game, and make smarter moves.

Speaker 1 (37:22):
That's what we do at Kelly Financial.

Speaker 5 (37:25):
So if someone's listening right now feeling a little overwhelmed,
what's the first step?

Speaker 1 (37:29):
Contact us?

Speaker 4 (37:30):
Our Kelly advisors are ready to talk about what matters
to them so they don't have to figure it out alone.

Speaker 5 (37:38):
What if they want to take a crack at starting
their retirement budget on their own, what should they use?

Speaker 4 (37:42):
Our free investor tool These Safe Money Strategies Workbook makes
it very simple. In it they can fill in their investments, assets,
expenses and insurances. Completing this essential exercise will give them
a full understanding and clear picture about their financial situation.

Speaker 5 (38:03):
Well, knowledge is power, right. Thanks for all the great information, Mom, Thank.

Speaker 1 (38:07):
You, I appreciate you having this conversation with me today.

Speaker 5 (38:11):
William to get the workbook and make a complimentary appointment
with a Kelly Financial Advisor called eighty eight eight hundred
and twenty eight one or email Kelly at Kellyfinancial dot org.
That's all the time we have for now. Thanks so
much for joining me, William Kelly Junior, and for John Boutris.
You're listening to Safe Money Strategies the radio show heard
right here on WRKO and streaming on the iHeart app.
We're in our twentieth year broadcasting, so thank you for

(38:33):
tuning in, stay tuned, and we'll be back in just
a moment.

Speaker 4 (38:39):
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

(39:01):
eighteen eighty one or email Kelly at Kellifinancial dot org.

Speaker 1 (39:06):
We're Kelli Financial. Come retire with us. Welcome back, you're
listening to safe money strategies.

Speaker 9 (39:16):
I'm Mike, you said in Joining me in the studio
this morning is my colleague and investment advisor Greg Workman.
Before the break, Greg and I provided a media recap
of the market volatility we've experienced thus far this year.
With uncertainty looming in the second half, it's more important
than ever to know where you stand financially, Greg, What
does a media review actually involve?

Speaker 10 (39:38):
First, take a hard look at your current investment mix.
With market swings this year, especially in tech, manufacturing and
international sectors, your original allocations.

Speaker 1 (39:50):
Maybe out of balance a bit, that's right.

Speaker 9 (39:52):
Maybe you started the year with sixty percent in equities
and forty percent in fixed income, but thanks to recent
gains or losses, your portfolio might now be skewed more
heavily toward risk assets, or in some cases too conservative.

Speaker 10 (40:07):
Rebalancing can help you maintain the right level of risk exposure,
and now is a smart time to evaluate whether your
investments still align with your goals and stock market outlook.

Speaker 9 (40:19):
Speaking of risk, if the last six months have kept
you up at night, it may be time to reassess
your comfort level exactly.

Speaker 1 (40:27):
Risk tolerance is not static.

Speaker 10 (40:29):
It can and should evolve with your life circumstances, retirement
getting closer, kids heading to college, job situation changed. These
factors all affect how much risk you should be taking.

Speaker 9 (40:42):
On in If you're nearing retirement, preserving capital becomes more
important than chasing aggressive returns. That's where strategies like divid
in paying stocks, laddered bonds, or structured income products may
come into play.

Speaker 10 (40:56):
The next piece of your midyear review should focus on
your cash flow and liquidity. With inflation still lingering and
interest rates holding firm, your monthly expenses might look a
lot different than they did in January.

Speaker 1 (41:09):
Check your budget.

Speaker 9 (41:10):
Are you spending more on essentials like groceries, energy, or healthcare.
Has your income change due to a job shift, bonus,
or retirement withdrawal, And.

Speaker 10 (41:20):
Just as important, review your emergency fund. Ideally, you should
have three to six months worth of expenses in a
liquid accessible account. If you've dipped into that fund, now
is the time to rebuild and reload.

Speaker 1 (41:35):
Let's move on to taxes.

Speaker 9 (41:37):
We're halfway through the air, which means there's still time
to make strategic moves before December thirty.

Speaker 1 (41:42):
First, this is a.

Speaker 10 (41:43):
Great time to assess your projected income for the year.
Are you in a higher tax bracket than expected? Are
you making contributions to tax advantaged accounts like iras, hsas
or four to one case?

Speaker 9 (41:57):
Don't forget about tax loss harvesting. If you've sold undo
performing assets, you might be able to offset gains and
reduce your overall tax burden.

Speaker 10 (42:06):
And if you're retired or nearing retirement, review your required
minimum distributions or rmds. With potential changes to IRS rules
and new legislation always on the table, staying ahead of
this can save you a lot of hassle and money.

Speaker 9 (42:23):
Financial planning isn't just about investments and savings, It's also
about protection. That's why midier is a smart time to
review your insurance coverage. Has your home value increased, have
you purchased a new vehicle, had a major life event
like marriage or the birth of a grandchild.

Speaker 10 (42:40):
You may need to update your homeowners, auto or umbrella
liability coverage.

Speaker 1 (42:45):
And if you haven't reviewed.

Speaker 10 (42:46):
Your life insurance or long term care policies in a while,
let's make sure they still align with your overall state plan.

Speaker 9 (42:54):
Speaking of a state planning, check your beneficiary designations and
legal documents. Are you your will, healthcare proxy, and power
of attorney up to date. These aren't fun topics, but
they're absolutely essential. So what should folks expect in the
second half of the year. We've got potential interest rate
cuts and trade negotiations, and let's not.

Speaker 10 (43:16):
Forget the August deadline for US China tariff talks that
could rattle markets once again. And if you're overly concentrated
in sectors that are sensitive to global trade like manufacturing, semiconductors,
or consumer goods, you will want to be cautious.

Speaker 9 (43:35):
It's also a good time to consider defensive positions, maybe
adding exposure to consumer staples, healthcare, or dividend paying blue
chips that tend to hold up during economic slowdowns, and.

Speaker 10 (43:46):
If the FED does cut rates later this year, we
may see pressure on savings, account yields and CDs. That
means you'll want to shop around or potentially look at
short duration bond funds or annuities that we offer competitive
fixed rates.

Speaker 9 (44:02):
All of this can feel overwhelming, and it's perfectly okay
to ask for help. That's what we're here for at
Kelly Financial Services. We help clients every day understand what
the headlines really mean for their portfolios. We sit down,
review your goals and build a plan that works whether
markets are up, down or sideways. So if you haven't

(44:24):
done a media review yet, or if you're not confident
in your current plan, reach out in schedule free consultation.
We can be reached at eighty eight eight eight hundred
eighteen eighty one. Once again, that number is eight eight
eight eight hundred eighteen eighty one, or you can visit
us online at Kellyfinancial dot org. Let's take the guesswork
out of your financial future. Peace of mind doesn't come

(44:46):
from timing the market. It comes from having a smart,
flexible plan in place.

Speaker 10 (44:51):
We hope today's deep dive has helped you feel more prepared,
more informed, and more confident. Powerful midyear review you isn't
just a checklist. It's a way to stay in control
no matter what the rest of twenty twenty five has
in store. And remember, whether it's market volatility, political noise,

(45:12):
or personal milestones, your financial strategy should evolve with you.

Speaker 9 (45:17):
With that, I'm Greg Workman, and I Mike you said,
join us next week for more safe money strategies.

Speaker 8 (45:29):
Joining us now as she always does at this time,
the co founder, CEO, president of Kelly Financial Services, and yes,
that is her wonderful name, Kelly Kelly Kelly, how are you.

Speaker 4 (45:48):
Good morning, Jeff, I am good.

Speaker 6 (45:51):
I think we can all agree. Prices have been high
for a while now, gas, groceries, healthcare utilities, and it
looks like it's going to take some time before we
see them come back down. For retirees and those preparing
to retire, this can quietly eat away at your savings
if you don't have a plan in place today, I'm

(46:14):
offering our free investor guide Inflation and your retirement. Are
you prepared for rising costs? It explains what this kind
of stubborn inflation does to retirement income, and it offers
five smart strategies to.

Speaker 1 (46:30):
Help protect what you work so hard to build.

Speaker 6 (46:34):
Don't let rising prices shrink your retirement. To request your
free guide or to schedule a conversation with one of
our Kelly advisors, give us a call or email Kelly
at Kellyfinancial dot org, or go to our website for
our radio rewind Jazz. Happy Father's Day. I want to
say thank you for being such a positive father figure

(46:57):
to both Mary Madeline and William Junior. I am so grateful.

Speaker 8 (47:02):
Oh, thank you Kelly, God bless you. Please give my
best and Mary Madeline, William. We're going to see each
other soon and have yourself a wonderful weekend. Kelly, thank
you so much again. If you want to get a
copy of their free guide, it's called Retire your Fear,
Plan your Future call now eight eight eight eight hundred

(47:22):
eighteen eighty one eight eight eight eight hundred eighteen eighty one,
or if you prefer, you can email Kelly herself Kelly
at Kellyfinancial dot org. Kelly at Kelly Financial dot org.

Speaker 3 (47:41):
Safe Money Strategies eight eight eight hundred one eight eight one.

Speaker 8 (47:50):
It's not time to make a change, just relax, take
it easy, y're still young.

Speaker 1 (47:59):
That's a fall so much.

Speaker 2 (48:02):
You have to know.

Speaker 7 (48:03):
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 tickens 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

(48:25):
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 money?

(48:47):
Have you ever heard that? Ladies and gentlemen every day
every day? My dad didn't exactly say do you think
I 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 make
your 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

(49:08):
and 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 were going
to go scribble on theirs. No rise and shine. That
wasn't a real popular thing around our house. That wasn't

(49:29):
tough 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 the men from
the boys. We probably heard that more from our grandfather
than my dad. Do your homework, well, that's needless to say.

(49:50):
We heard that a lot. Where were you raised in
a barn? I guess that meant why was the door open?
Where were you 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 we're
going to coolly entire name. We never had an air
conditioner ever in our house ever. And I left for

(50:12):
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 unsightedly 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 chewed

(50:32):
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 many Minie 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.

(50:54):
We had about a twelve acre bit of land next
to our farm that we owned, and I had a
ford out there. So I took a blanket, Minnie, my
boy scout knapsack, and went out about maybe one hundred
yards from the house in a little grove of brush
and patted everything down, made my fort. And then around
five thirty, when dinner was served, Dad yelled out the window,

(51:17):
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. Minie'll get some dog show, and
then you guys can if you still want to run away,
you can do it, but why not get a good meal.

(51:39):
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 dadism 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, I headed out for the Air Force.

(52:02):
I had up to Boston to get my was it
plane at the time. My dad always had a 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 the time. Originally there were ten, so

(52:23):
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. Don't let your mother hear you say that.
That was kind of a way to let you know
he wasn't really against what he was saying. Usually that

(52:45):
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 will have to
call him momisms because they were more hard core. They've
cut to the bone very quickly, and they made someone

(53:08):
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 Wooden Nichols.
I still don't know what that means. But I haven't
ever done that. And at the end, what would he say.

(53:30):
He 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
always had room in his heart to help others. And
he was a great, great family man. So we had

(53:52):
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 feeling
to have when you have people who love you but
they can't always express it lovingly, and the way that

(54:13):
they care for you and a family sometimes is very stern.
And the final thing that my father would say is
this hurts me a lot more than it hurts you,
and it probably does now that I'm a dad. He
was exactly right, and it will be right back away.

Speaker 1 (54:30):
That is no, not me, nos away. And I know
that I have to go away.

Speaker 7 (54:40):
I know I have to go.

Speaker 3 (54:44):
Call Kelly Financial Services eight eight hundred eighteen eighty one.

Speaker 1 (54:50):
I'm Kelly Kelly from Kelly Financial.

Speaker 4 (54:53):
Retirement is a time to enjoy the fruits of your labor,
but is also a period when financial stability becomes more
critical than ever, so seeking expert financial advice is essential
regardless of your age. Professional guidance insureds your assets are
allocated wisely, helping your money last as long as you

(55:13):
need it. The advisors at Kelly Financial will help you
take charge of your financial future and preserve your hard
earned wealth to enable you to focus on the retirement
you've dreamed of. We have a free investor guide called
designing your Fiscal House to Weather the Elements, which highlights
the steps needed to build a balanced portfolio. For the guide,

(55:35):
and a free consultation with a Kelly advisor, call eight
eight eight eight hundred eighteen eighty one, or email Kelly
at Kellyfinancial dot org.

Speaker 1 (55:45):
We're Kelly Financial. Come retire with us.

Speaker 3 (55:49):
Senia Safe Money Strategies with John Budris and Kelly Kelly
eight eight eight hundred one eight eight one.

Speaker 2 (55:58):
The news break is coming up. During the break, take
the time to give a call at eight eight eight
eight hundred eighteen eighty one and make that all important
first step to secure your retirement future. Talk things through
with a financial advisor about any aspect of retirement or
money management, whether it's your portfolio, concerns about healthcare, or
if you're tossing around the idea of relocating or maybe

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

(56:41):
So call us at eight eight eight eight hundred eighteen
eighty one or visit us at Kelly Financial dot Org
and raise a toast to your financial future. Eight eight
eight eight hundred eighteen eighty one. Kelly Financial Services with
offices in Braintreet and Burlington. All Right, we see you
next week. All opinions express by the host, his guests,
or employees of Kelly Financial Services are solely their own

(57:03):
and do not reflect the opinions of Kelly Financial Services.
Information has been obtained from sources deemed to be reliable,
but their accuracy and completeness cannot be guaranteed. The information
provided as general in nature and is not intended to
be specific investment, tax or legal advice. It is always
advisable to consult a professional before making a financial decision.
The host is a client of Kelly Financial Services in
exchange for hosting the Safe Money Strategies Show and providing
testimonials of his personal experience as a client of Kelly

(57:24):
Financial Services, Kelley has waif the host's advisory fee in full.
Because of this arrangement, where the host receives compensation in
the form of a fee waiver, the host has an
incentive to recommend Kelly Financial Services, resulting in a material
conflict of interest.