Kelly Financial: Saturday, June 28, 2025

Episode Transcript

Speaker 1 (00:00):
WRKO.

Speaker 2 (00:02):
The following broadcast is paid for by Kelly Financial Services.

Speaker 1 (00:17):
This is coming to us.

Speaker 3 (00:26):
Good morning, dear Boston.

Speaker 4 (00:27):
I'm John Boudris and Kelly Financial Safe Money Strategies indeed
carries on every Saturday morning right here on WRKO six
eighty on the AM dial and online from just about anywhere.
We have a lot on the show this morning, we
of course, will be hearing from the folks at Kelly
Financial this morning, chief among them the chief herself, Kelly Kelly.

(00:50):
But before we get to that, I read a biography
of Margaret Mead recently. Mead was an American cultural anthropology
just an author and somewhat controversial, and she was well
known for her research with primitive cultures, especially those in
the South Pacific and Samoa in particular. Years ago, she

(01:13):
was asked by one of her students what she considered
to be the first sign of civilization in a culture.
The student expected me to talk about fish hooks or
clay pots, or grinding stones or some kind of primitive technology,
or perhaps maybe art, but no, Mead said that the

(01:34):
first sign of civilization in an ancient culture was a femur,
a thigh bone that had been broken and then healed meat.
Explain that in the animal kingdom, if you break your leg,
you die. You can't run from danger, you can't get
to a river for a drink, you can't hunt for food.

(01:55):
You become meat for prowling beasts. Now I know this
well in living here in almost wilderness. I mean when
I look of where I live, I have one neighbor
about a quarter a mile away. So no animal survives
a broken leg long enough for a bone to heal.
And I know that well from listening to what the

(02:16):
coyotes do to dear you see, a broken femur that
has healed in a human is evidence that someone has
taken time to stay with that one who fell or
who was injured, has bound up that wound, who has
splintered that wound, who has carried that person to safety,
and who's tended that person through recovery with kindness and dedication,

(02:41):
and maybe more than one person helping someone else through
difficulty is where civilization starts. That's what Meade said. We
are at our best when we serve others. So be civilized,
be kind, especially to those who have been cruel to you.

Speaker 3 (03:01):
We'll be right back.

Speaker 1 (03:06):
Safe.

Speaker 5 (03:07):
Money Strategies with John Budrus and Kelly Kelly. Called Kelly
Financial on eight eight eight hundred eighteen eighty one or
go to Kellyfinancial dot org.

Speaker 6 (03:19):
I'm Kelly Kelly from Kelly Financial.

Speaker 7 (03:21):
If you're new to the world of financial planning and
how you might fund the retirement you've always dreamed of,
you don't have to go it alone. When choosing a
financial advisor, pick one that shares your values, listens to
what you want, and understands your expectations. Their knowledge and
capabilities should also reassure and build trust to enable you to.

Speaker 6 (03:43):
Achieve your retirement goals.

Speaker 7 (03:45):
The advisors at Kelly Financial will take you through a
planning process that focuses on the generation, preservation, and distribution
of the assets you've worked so hard to save. For
My book, Retire Your Fear Plan Your Future discusses the
importance of an income plan when considering retirement. For a
free copy of the book or for a free consultation

(04:07):
with a Kelly advisor called eight eight eight eight hundred
eighteen eighty one or email Kelly at Kellyfinancial dot org.

Speaker 6 (04:15):
We're Kelly Financial. Come Retire with us.

Speaker 5 (04:18):
Save Money Strategies called eight eight eight eight hundred eighteen
eighty one or visit Kellyfinancial dot org.

Speaker 1 (04:28):
Come retire with us.

Speaker 7 (04:33):
Good morning, dear friends and dear listeners. I'm Kelly Kelly,
and welcome to our show on this fine Saturday morning.
I am here with my handsome son, William Kelly Junior,
as we chat every Saturday morning.

Speaker 6 (04:47):
Good morning William.

Speaker 8 (04:48):
Good morning Mom. How are you?

Speaker 6 (04:50):
I'm doing good? And how about yourself?

Speaker 8 (04:52):
I'm good.

Speaker 2 (04:53):
I want to talk about a charity that's very close
to my heart.

Speaker 8 (04:56):
It's called My Brother's Keeper.

Speaker 2 (04:58):
Now some of you may be familiar with My brother Keeper,
but if I had to recommend any charity out there,
I would probably put them. If not first, they'd be
one of my top charities. They do amazing work, like
maybe them in the dav to be honest, or like
cops are kids with cancer. But anyways, I've had experience
with them in elementary school, in middle school. If you

(05:19):
actually want to volunteer your time, it's very community oriented.
I know a lot of you listening are very good
Christians and want to help your community in some way.
You can donate or you can volunteer your time. A
lot of people there are retirees, widows, all sorts of people,
and you go into their warehouse and they have all
this furniture there, and this furniture is not used furniture

(05:41):
or handed down furniture. It's brand new furniture, either the
money that was donated or people bought brand new furniture.

Speaker 6 (05:47):
Didn't you say they have like would they renovate?

Speaker 2 (05:50):
So some folks who are really good at carpentry and
that specialty, who want to donate their time. They work
on tables and make you stuff nice again, and then
they also have food too for a merchant.

Speaker 8 (06:00):
And see services.

Speaker 2 (06:01):
They taking inspiration from I think Canaan ables, you know
that quote from the Bible.

Speaker 8 (06:05):
I'm not my brother's keeper.

Speaker 2 (06:07):
And they believe that you are your brother's keeper and
that you are responsible for one another.

Speaker 8 (06:11):
And they offer a service without question.

Speaker 2 (06:15):
So if you call and ask, they'll just come and
give you what you need.

Speaker 8 (06:20):
They are also not federally sponsored, so.

Speaker 2 (06:22):
They don't have to ask for immigration papers, they don't
have to ask for proof of income or like any
sort of like specifics that would prevent them from helping them.

Speaker 8 (06:32):
You know, people who desperately need the help.

Speaker 2 (06:34):
And it could also be people who lost their jobs
and maybe still live in a decent home, but like
can't afford certain things like food or anything, or maybe
need new furniture because if baby's on.

Speaker 1 (06:44):
The way, you don't know.

Speaker 2 (06:46):
So you still give it to them anyway, And they say, yeah,
some people probably take advantage of the system. They don't care.
That's like the one percent the ninety nine percent. You
go into people's homes and they don't even have a bed,
they don't even have dressers or just like that they need.
So at the end of every delivery, you hand them
a crucifix and you say, we just delivered the furniture,

(07:08):
but this is the man who sent it. Typically they cry.
They just cry and enjoy knowing they have this here.
And sometimes you know, they offer you money or you know,
they try to give back in some way, and you
can't accept that. It's difficult to give, but it's even
harder to receive. Yes, the thing I like about them
is they really want to preserve the dignity of people.
So they go in unmarked vans, they have conversations with

(07:31):
the people who call.

Speaker 8 (07:32):
They really truly care. It's just a.

Speaker 2 (07:35):
Really wonderful experience because anybody who's listening right now. You
could literally volunteer if you wanted to, and you could
experience something like this.

Speaker 8 (07:43):
I can't say enough for it.

Speaker 2 (07:44):
I know that it's like a highest rated four star
charity and part of its stats is that ninety eight
percent of donations go directly to the families and to
people who worst their services. It started out by these
two people, a married couple, a Catholic couple who were
not rich. This couple was very, very middle class and

(08:05):
they helped disabled adults.

Speaker 8 (08:07):
That was their job. In their free time.

Speaker 2 (08:09):
They would use their basement and garage to collect furniture,
put them in trucks and bring them to people. And
then eventually it just kind of caught on them.

Speaker 6 (08:17):
When did they start it.

Speaker 2 (08:18):
It was a long time ago. They originally helped people
in Brockton. That's where they started out. I think they
also have a location.

Speaker 8 (08:25):
In Fall River now it's a smaller location, but.

Speaker 2 (08:29):
I know their main location is not in Brockton, but
it's close to Brockton, and they.

Speaker 8 (08:34):
Help a lot of people in those areas.

Speaker 2 (08:36):
So it's like directly and I mean like the slums
and like people who were just in horrible housing with
limited security and just like.

Speaker 7 (08:46):
It's just it's really amazing you have me interested, and
that would bring Kelly Financial into this.

Speaker 8 (08:52):
I think we should probably sponsor them a little bit.

Speaker 2 (08:54):
When you get to experience at firsthand, you know what
they're doing and you know it's a good cause. And
it also makes me happy because it's a Christian and
I think it makes a great impact on people, not
just physically with needs, but also spiritually.

Speaker 8 (09:08):
I think that's kind of the main goal.

Speaker 6 (09:10):
You were able to hand a crucifix.

Speaker 8 (09:13):
It was a young lady.

Speaker 2 (09:14):
I think she was just moving in, living alone. She
had no furniture, she needed some. You could tell she's
super grateful. I gave it a crucifix and she started crying.
So that really left a big impact. You can't describe
it in words.

Speaker 7 (09:29):
Well, thank you for sharing your experience, of course, it
was heartwarming for me.

Speaker 6 (09:33):
To hear it.

Speaker 8 (09:33):
Good codel Man, Yeah.

Speaker 7 (09:35):
William, I look forward to chatting with you next Saturday.
I love you, honey.

Speaker 8 (09:39):
I love you too. It's good talk to you. We'll
talk to you next.

Speaker 5 (09:41):
Quick Safe Money Strategies brought to you by Kelly Financial
Services called eight eight hundred eighteen eighty one or go
to Kelly Financial dot or come retire with us.

Speaker 9 (10:03):
I want to talk to you about Kelly Financial Services.
You probably have some idea of how you'd like to
spend your retirement, taking vacations with family, enjoying the hobbies
you love, or even setting up a business. The possibilities
are endless. If you start putting the right financial strategies
in place today, you could have the lifestyle and well

(10:23):
funded retirement you'll need in the future. Kelly Financial have
been providing financial advice to the people of Greater Boston
for over twenty two years through their Safe Money Strategies.
The advisors at Kelly Financial can walk you through the
process step by step to set you on the path
to achieving your financial goals and the retirement you've always

(10:44):
dreamed of. To set up a complimentary retirement consultation with
a Kelly advisor, call eight eight eight eight hundred eighteen
eighty one eight eight eight eight hundred eighteen eighty one
or email Kelly at Kelly Financial dot org. That's Kelly
at Kelly Financial dot org.

Speaker 5 (11:02):
Safe Money Strategies Cool eight eight eight hundred eighteen eighty one.

Speaker 10 (11:09):
Good morning to you and welcome to the show. You
are listening to safe money strategies, and my name is
Mike Ducett, Chief Operating Officer at Kelly Financial. When it
comes to preparing for retirement, there are plenty of big
decisions to make. Ways to invest your money, ways to
create a reliable stream of income, ways to manage taxes.

Speaker 8 (11:28):
And so much more.

Speaker 1 (11:30):
But one of the most.

Speaker 10 (11:30):
Important decisions is choosing the right financial advisor. This isn't
just someone who manages your investments. It's someone who helps
you navigate the complexities of retirement planning, someone you trust
to guide you through challenges and opportunities over what could
be several decades. On today's show, we'll walk through some
of the key questions you should consider asking when evaluating

(11:51):
a financial advisor. These questions aren't just about getting the
right answers, They're about helping you start a conversation that reveals, well,
this person is a good match for you.

Speaker 3 (12:02):
Good morning.

Speaker 11 (12:03):
My name is Greg Workman, and I'm one of the
trusted financial advisors on the team here at Kelly Financial.
If you are considering working with a financial advisor or
wondering whether your current one is the right fit, we
offer a complementary consultation to help you learn if our
firm could be a good fit for you. We would

(12:24):
enjoy meeting with you and exploring the ways we might
be able to assist you in working towards your financial objectives.
Call us today at eight eight eight eight hundred eighteen
eighty one. Again that number is triple eight eight hundred
eighteen eighty one, or visit us online at Kelly Financial

(12:45):
dot org. Let us help you build a financial plan
and a relationship that you can trust.

Speaker 10 (12:51):
Choosing the right financial advisor is more than just a checklist.
It's about finding someone who aligns with your goals and values,
someone you feel confident will help help you navigate the
financial challenges ahead. And while today's show is full of
great advice, nothing beats a one on one conversation, so
please give us a call for a complementary introductory meeting.

Speaker 11 (13:11):
One of the first questions you might ask yourself is
do you even need to work with a financial advisor?
After all, we all live in a time when information
is everywhere, and managing your money might seem like something
you can handle on your own.

Speaker 8 (13:25):
But let's be honest.

Speaker 11 (13:26):
Retirement planning, tax strategy, and managing investment risk are not
simple tasks. The financial world is filled with complexities, and
it is recommended that you have someone with experience to
guide you through them.

Speaker 10 (13:40):
This is where the right financial advisor comes in. An
experienced advisor doesn't just crunch numbers or pick investments. They
can help bring a wealth of experience, knowledge, and strategy
to help you create a financial roadmap tailed to your
unique goals. Whether it's helping to maximize your retirement income,
navigating taxes, or helping make sure your mind money lasts
as long as you do, the right advisor could make

(14:02):
all the difference. They can help simplify complex financial decisions,
provide guidance during uncertain times, and ultimately give you the
confidence knowing your financial future has a plan forward.

Speaker 8 (14:14):
But here's the thing.

Speaker 11 (14:15):
Not all financial advisors are created equal. Some are experienced
in retirement planning, while others focus on wealth accumulation. Some
advisors work exclusively with high net worth individuals, while others
tailor their services to middle income retirees. The key is
finding an advisor whose skills and approach align with your

(14:36):
specific goals and needs. Let's be blunt, this could be
one of the most important financial decisions you ever make.
The advisor you choose will play a pivotal role in
helping determine the direction you take towards your goals. Picking
someone who doesn't align can potentially lead to missed opportunities.

Speaker 10 (14:56):
On the flip side, selecting an advisor who understands your
situation can help you protect and potentially grow your wealth,
help navigate the complexities of retirement planning, and enjoy the
confidence that comes with knowing your financial future is aligned
with your goals. That's why this conversation is so important.
It could change the trajectory of your financial future.

Speaker 11 (15:17):
Let's face it, your financial future could be affected by
decisions made by an advisor. Before jumping into this process,
take a moment to think about your goals. Are you
focused on building wealth, or maybe you're planning for retirement
and need help creating a distribution strategy to help ensure
a steady income throughout your goalden years. Whatever your objectives,

(15:39):
finding a financial advisor what the right experience for your
situation is key. For instance, someone experienced in retirement planning
may be better suited to your needs than someone who
primarily works with the younger clients in the accumulation phase.

Speaker 1 (15:55):
So how do you begin your search?

Speaker 10 (15:57):
I recommend starting by asking friends and family for recommendations.
Referrals from people you trust can be a great way
to build a list of potential advisors. You can also
research on your own using resources designed to help you
vet financial professionals. And here's a tip, think of this
process as a job interview. After all, you are essentially
hiring someone to help you manage one of the most

(16:19):
important parts of your life, your finances. I would recommend
starting by researching the background, experience, and credentials. Then, when
it's time to meet with them, ask questions to help
ensure they're a good fit for you.

Speaker 11 (16:31):
When you start evaluating potential financial advisors, the very first
question you might ask is do you operate under the
fiduciary standard of care? This one word, finuciary, can sometimes
make a world of difference in the kind of advice
you will receive. An advisor who operates under the fiduciary

(16:53):
standard is legally and ethically required to act in your
best interest at all times, not just some of the time.
That means their recommendations should prioritize what is best for you,
not what is best for their bottom line.

Speaker 10 (17:10):
Now compare that to a financial professional who doesn't operate
as a fiduciary. These advisors are held to a suitability standard,
meaning the products and strategies they recommend only need to
be suitable for your situation, not necessarily the best choice.
For example, a financial professional could recommend an investment that's

(17:31):
okay for your needs, but not necessarily what is in
your best interest. That's why it is critical to work
with an advisor who has your interest front and center
in every decision. Greg and I need to take a
quick break, but we'll continue our conversation later in the.

Speaker 8 (17:45):
Show, so stay tuned.

Speaker 5 (17:50):
Kelly Financial Services eight eight hundred eighteen eighty.

Speaker 4 (17:54):
One Ready to enjoy your golden years without worry. 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

(18:19):
eighty one or email Kelly at Kelly Financial dot org.
We're Kelly Financial. Come retire with us.

Speaker 7 (18:26):
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 eighteen

(18:48):
eighty one or email Kelly at Kellyfinancial dot org where
Kelly Financial Come retire with us.

Speaker 5 (18:56):
The Money Wrap with Kelly Financial Advisors Murray and Mary
Madeline Kelly.

Speaker 8 (19:03):
Good morning.

Speaker 12 (19:04):
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 investment advisors.

Speaker 8 (19:12):
How are you doing today?

Speaker 13 (19:13):
I'm doing great, Greg, Thanks for asking so for our
time together today. I figured we could speak about what
we do best. Retirement planning. Now, this could look different
for everyone, especially depending on what age they are.

Speaker 12 (19:25):
Absolutely, retirement planning is such a critical topic and it's
never too early or too late to start.

Speaker 13 (19:30):
Let's kick things off with those in their twenties and thirties.
This is the time when you're just starting your career,
maybe paying off student loans and trying to build a
financial foundation.

Speaker 6 (19:40):
So what's the first step.

Speaker 12 (19:41):
In your twenties and thirties, time is your biggest asset.
Start by taking full advantage of your employers for one
K plan, especially if they offer a match that's free money,
even if retirement seems far away. Contributing regularly, even just
a small percentage of your income can make a huge
difference thanks to compound interest.

Speaker 13 (19:58):
And if your employer doesn't offer a f consider opening
an IRA, whether it's a traditional or wroth IRA, the
tax advantages are significant. Also, build an emergency fund. Having
three to six months worth of living expenses saved will
help you avoid dipping into retirement savings for unexpected costs.

Speaker 12 (20:16):
And don't forget about paying off high interest debt like
credit cards. Reducing debt now freezemp money to invest for
retirement later. It's all about laying a strong financial foundation exactly.

Speaker 13 (20:26):
Now, let's move on to folks in their forties. This
is often the peak earning period, but also when life
gets more expensive think mortgages, kids, education, and so on.

Speaker 6 (20:35):
What should they focus on.

Speaker 8 (20:36):
In your forties?

Speaker 12 (20:37):
Retirement is getting closer, so it's time to ramp up
those contributions. If you often max out your retirement account,
now is the time to catch up. You might also
want to diversify your investments. A mix of stocks, bonds,
and other assets can help balance risk as you get
closer to retirement.

Speaker 6 (20:51):
Good advice.

Speaker 13 (20:52):
Also, let's take a serious look at your retirement goals.
How much do you need to retire comfortably? Consider meeting
with a financial advisor to run them. And if you
have kids, balance savings for retirement with savings for their college.
Remember you can take loans for education, but not for retirement.

Speaker 12 (21:07):
Another key step is to review your insurance needs life insurance,
disability insurance, and even long term care insurance. These can
protect your financial plan if like throws you a curve fall.

Speaker 13 (21:17):
That's so important. And speaking of long term planning, let's
talk about those in their fifties. This is crunch time.
Retirement is just around the corner. What should people be
focusing on now?

Speaker 12 (21:27):
In your fifties is all about catching up and fine
tuning your plan. The IRS allows catch up contributions, so
if you're a fifty year older, you can contribute more
to your four to one K and ira take advantage
of that. Also, start thinking about when you want to
retire and what your income will look like. Will social
Security and your savings be enough.

Speaker 13 (21:44):
Now Also is the time to start reducing expenses, pay
down any remaining debt, and consider downsizing your lifestyle if needed.
The more you can cut down on expenses now, the
more flexibility you'll have in retirement.

Speaker 12 (21:56):
Another thing to consider is your healthcare needs. Retirement planning
isn't just about money. It's also about making sure you're
covered medically, looking to medicare and supplemental insurance options. Healthcare
costs can be a significant part of your retirement expenses,
so plan accordingly.

Speaker 13 (22:10):
Finally, let's talk about folks in their sixties. Retirement is
either here or just a few years away. What should
they focus on?

Speaker 12 (22:17):
In your sixties, the focus shifts to securing your income.
If you haven't already, decide when to start taking Social Security.
Delaying benefits can increase your monthly payments, but it might
not make sense for everyone. It's a personal decision based
on your health, financial situation, and retirement goals.

Speaker 13 (22:32):
And don't forget about your retirement accounts. You'll need to
decide when to start withdrawing from your four oh one
K or I array required minimum distributions or rmds start
at age seventy three, but you might want to start
earlier depending on your tax situation.

Speaker 3 (22:46):
That's right.

Speaker 12 (22:46):
It's also crucial to review your investment strategy as you
get older. You might want to shift towards more conservative
investments and protect your nest egg. But remember, even in retirement,
your money needs to keep growing coutpaces inflation exactly.

Speaker 13 (22:59):
And one last tip, consider your estate planning. Make sure
your will is up to date and look into setting
up powers of attorney for healthcare and finances. This ensures
your wishes are followed if you're unable to make decisions
for yourself.

Speaker 12 (23:11):
Retirement planning is a lifelong journey, but with the right
steps at each stage, you can achieve financial security and
peace of mind.

Speaker 6 (23:17):
Well you got that right.

Speaker 13 (23:18):
I hope these tips were helpful for our listeners to
help you plan for a successful retirement.

Speaker 6 (23:23):
No matter your age, it's never too late, it certainly
is not.

Speaker 13 (23:26):
Well, Greg, thank you for your expertise as always, and
have a wonderful weekend.

Speaker 12 (23:30):
You do Marry Madeline.

Speaker 5 (23:31):
To get in touch with Greg Murray or Mary Madeline Kelly,
or any member of the Kelly Financial team, call at
eight eight hundred eighteen eighty one.

Speaker 7 (23:43):
Hi, I'm Kelly Kelly from Kelly Financial Services. What do
you look for when choosing a financial advisor? We like
to believe is based on shared values, trust and knowledge.
We've been serving clients in the Greater Boston area for
more than twenty years now. If you have investable assets
and want to learn more about our experience, call us
eight eight eight eight hundred eighteen eighty one or email

(24:05):
Kelly at Kelly Financial dot org to set up a
free retirement consultation.

Speaker 6 (24:10):
We're Kelly Financial. Come retire with us.

Speaker 1 (24:12):
It's sorry what you've done that's important, but it's the
challenge it has been.

Speaker 4 (24:16):
Sir Edmund Hillary said those words after reaching the summit
of Mount Everest. But in climbing, the descent is just
as perilous as the acent, and the same is true
in retirement planning. Learn why call Kelly Financial Services today
for a retirement consultation. Call eight eight eight eight hundred
eighteen eighty one or visit Kellyfinancial dot org. What goes

(24:38):
up must come down. We're Kelly Financial. Come retire with us.

Speaker 5 (24:43):
Safe money strategies with John Fodris and Kelly Kelly call
the team on eight eight eight eight hundred, eighteen eighty one.

Speaker 4 (25:00):
Well we're back on John Budris, co host of Safe
Money Strategies, and thanks for joining me this Saturday morning,
as you do many Saturday mornings right here on WRKO. Now,
we have an aging population, a whole cadre of boomers
settling into retirement, and it's hard to believe that the
last boomer will reach sixty five years of age very soon.

(25:22):
But this country isn't the only one that faces this
demographic reality. Many others are feeling it too, particularly a Japan.
Japan has a real graying problem. And no one's having
children either, So that's going to change things there. No
one's having children here either, well, among a certain demographic
that is highly educated, the best and brightest of our nation,

(25:46):
college educated people with degrees, people who actually could be
the next Mozart, so the next Musks or the next Einstein's,
they're not having children. But before I leave this tangent
any further, let me bring on Kelly. We're going to
talk about the effect of older workers on the economy.

Speaker 3 (26:05):
So come on in, Kelly.

Speaker 7 (26:06):
Good morning, John, good to be with you on this
fine Saturday.

Speaker 4 (26:11):
Now, Kelly, you and I have talked about older workers
in the past, and the conventional wisdom is that older
workers are a drain on the economy. And I won't
get into how there might be some perceived discrimination against
older workers, as that might be a topic for another
day because it's a big one. But I guess what
I'm getting into is that this notion that older workers

(26:33):
are a drain on the economy because generally speaking, they
earn a higher wage. We can probably throw in the
cost of healthcare too. But you've got more encouraging news
this morning, and I want to get to that.

Speaker 6 (26:46):
You are spot on, John, and there is good news.

Speaker 7 (26:50):
A report from City Group says that there are ways
to maximize the aging population through financial resilience and encouraging
longer participation in the world, boosting the economic participation of
those who would.

Speaker 6 (27:04):
Historically be retired.

Speaker 7 (27:06):
City Global Perspectives and Solutions compile the report, and it
challenges the narrative that the aging population will be dependent
on a smaller working age population that will not be
sufficient to support.

Speaker 6 (27:19):
The needs of older generations.

Speaker 7 (27:22):
The best analogy I can think of is Social Security.
When the program was first launched, it has approximately forty
two workers are so supporting one retiree. Now that ratio
is something like three workers to one retiree. But City
Group seems optimistic that an aging workforce.

Speaker 6 (27:42):
Will not be an economic drag.

Speaker 4 (27:45):
Well, the report that you cite, Kelly, is called Embracing
Demographic Transition, Health and Wealth in an Aging World, and
you can download it for free. And while it's quite voluminous,
seventy pages, that's voluminous these days to reading Warren Peace.
But we're giving the cliff notes version today. And one
of the key takeaways for me is the following quote

(28:07):
from the report.

Speaker 3 (28:08):
And I quote now, we.

Speaker 4 (28:10):
Argue that while the trend towards a population that is
older than it has ever been is intractable, the trend
toward an increasingly dependent one need not be end quote.
And it's the end of that quote that's the important part.
In other words, Citygroup is dispelling the notion that an
aging population can be more self sustaining than previously thought.

(28:34):
They address four areas, or what City Group calls four
dimensions of examination, And Kelly, why don't you give us
the bullet points of those?

Speaker 6 (28:43):
I found this interesting, John.

Speaker 7 (28:45):
The four areas they have focused on are the following.

Speaker 6 (28:49):
Maximizing the economic.

Speaker 7 (28:51):
Contribution of older workers, including evolving labor markets in support
of longer working lives, Supporting economic resilience in later life
through financial inclusion and incorporating longevity into financial planning. Preventing
the onset of dependence by supporting healthy aging, including the

(29:15):
shift to a more preventative healthcare system, ensuring access to
affordable health care for all, including boosting the supply of
care work, and joining up health and care systems.

Speaker 3 (29:29):
Kelly, you know me.

Speaker 4 (29:30):
I'm not a fan at least right now of the
new AI technologies that are coming at us with bits
and bites of machine learning like it's the wild West.

Speaker 3 (29:38):
But there will be new.

Speaker 4 (29:39):
Work opportunities in that field, as there always have been.
We may lose some job somewhere, gain some jobs elsewhere.
My gut says we will lose more than we will gain,
but those that we do gain will be.

Speaker 3 (29:52):
Rather innovative new jobs, new careers.

Speaker 4 (29:54):
So, with this boomer cohort being the second largest demographic group,
the millennials just overtook them in absolute numbers, and an
ever increasing global population, there will continue to be a
demand for labor that won't go away, and it's possible
that a good use of AI will help older workers

(30:14):
be even more productive.

Speaker 7 (30:16):
That's potentially true, John, and I do like the upbeat
tone of the research report. Let me quote another section
of the report. The author rights, we hope this report
helps to shift the discussion of population aging towards an
optimistic vision in which we can spend our extra years
as healthy and active participants in flourishing and merely numerically

(30:41):
older societies. After all, what good our longer lives if
we cannot truly live them.

Speaker 4 (30:48):
I like how the report emphasized the importance of injecting
longevity into financial planning. We're all living longer, so it's
critical to take this into account so you don't run
out of money. And that's where we come into the picture.
I simply ask you, with so much going on in
the world, so much unpredictability, why would you want to

(31:10):
take this all on all by yourself. I know that
Kelly Financial has a publication to give you some perspective
and some inspiration on how financial professionals like Kelly Financial
can help you.

Speaker 7 (31:23):
Two things, John, First, you can get a copy of
our free investor guide The changing story of retirement for
those of you contemplating retirement. It really gets you in
the frame of mind to think about it. Second, we
offer a free initial retirement consultation. It's ideal for couples
as well as those of you who might be without

(31:44):
a partner in this stage of your life, with investable
assets and considering retiring, or perhaps you are already in
retirement and.

Speaker 4 (31:52):
Kelly is right again to get the investor Guide and
to make that first appointment. Called eight eight eight eight
hundred eighteen eighty one, or email Kelly directly at Kelly
at Kellyfinancial dot org. Later on in the show, Kelly
and I will discuss the unique needs women have in
their financial planning. You are listening to Safe Money Strategies

(32:13):
the radio show heard right here on WRKO and streaming
on the iHeart app.

Speaker 3 (32:19):
Stay tuned. Will be back in just a moment.

Speaker 5 (32:21):
And you're listening to Safe Money Strategies with John Budris
and Kelly Kelly, brought to you by Kelly Financial Services.
Call eight eight eight hundred eighteen eighty one that eight
eight eight hundred eighteen eighty one, or go to Kelly

(32:42):
Financial dot org.

Speaker 1 (32:44):
Come retire with us.

Speaker 6 (32:47):
I'm Kelly Kelly from Kelly Financial.

Speaker 7 (32:49):
Retiring abroad sounds like a dream, but it raises many
questions concerning your savings, taxes, and healthcare. The advisors at
Kelly Financial can help prepare an income strategy to ensure
your money works.

Speaker 6 (33:03):
For you wherever.

Speaker 7 (33:04):
You might call home For a free consultation with a
Kelly advisor, call eight eight eight eight hundred eighteen eighty
one or email Kelly at Kellyfinancial dot org where Kelly Financial.

Speaker 6 (33:15):
Come retire with us.

Speaker 5 (33:17):
Safe Money Strategies eight eight eight eight hundred one eight
eight one.

Speaker 1 (33:23):
Come retire with us.

Speaker 8 (33:26):
Welcome back.

Speaker 10 (33:27):
You are listening to safe Money Strategies I might do
set in. Joining me in studio this morning is Greg Workman.
Greg we ended up first segment of the show discussing
the difference between the fiduciary standard of care versus the
suitability standard. What other interview questions should folks ask when
researching financial advisors.

Speaker 11 (33:45):
Once you've clarified whether they operate under the fiduciary standard
of care, the next step could be to understand their
investment approach. I'd recommend asking what types of investment products
might you use to build diversified portfolios for your clients. Second,
are there any products you intentionally avoid? Why does this matter?

Speaker 8 (34:10):
Well?

Speaker 11 (34:10):
It helps give you insight into their strategy and whether
it aligns with your comfort level and goals. For example,
if the advisor you're speaking with leans heavily on one
type of product like annuities or mutual funds, you'll want
to understand why and whether those products are a right
fit for you.

Speaker 10 (34:32):
Most important to consider when invaluating a financial advisor is
their ability to address and respect your personal comfort level
with investment risk.

Speaker 8 (34:41):
You know your risk tolerance.

Speaker 1 (34:42):
Think about it.

Speaker 10 (34:43):
An investment broker who has spent decades navigating the ups
and downs of the stock market might have a completely
different perspective on what constitutes an acceptable level of risk
compared to someone like you who is counting on your
portfolio to sustain your retirement. What might seem like a
manageable dip in the market to a seasoned professional could

(35:04):
feel catastrophic to someone who's watching their life savings shrink
during a downturn.

Speaker 8 (35:08):
Here's the thing.

Speaker 11 (35:09):
When you're sitting in an advisor's office listening to them
describe the benefits of a proposed investment, portfolio. Everything can
sound great, but the true test will come during the
next inevitable market correction when stocks drop by twenty or
thirty percent, maybe more. Will you still feel confident in

(35:29):
their investment plan or will you be left questioning whether
this was the right advisor to entrust with your hard
earned retirement savings.

Speaker 10 (35:39):
Remember we're talking about money that likely took you decades
to accumulate. Money you're counting on to replace your income
once you stop working. If an advisor doesn't take the
time to have a detailed, in depth discussion about your
comfort level with market losses, that's a huge red flag.

Speaker 11 (35:54):
An experienced advisor will typically start by asking questions to
gauge your risk tall lorance, and then we'll build a
strategy designed to fit your needs, blending riskier investments like
stocks with more stable financial instruments that can protect against
significant market downturns.

Speaker 10 (36:13):
And then there's the big question to ask any advisor,
how much emphasis do that you put on retirement income planning.
Retirement isn't just about growing your savings, it's about turning
the savings into a reliable income stream. An experience advisor
should be able to explain how this structure your income portfolio,
including social security, to help you cover your expenses while

(36:35):
helping manage risks like market downturns and longevity.

Speaker 11 (36:39):
Next, dig into their approach and services. Ask do you
offer comprehensive retirement planning, including tax efficient strategies and estate planning.
Some of the best advisors look beyond just investments to
create a comprehensive plan tailored to your needs, but also

(37:00):
ask about their investment philosophy. What is your approach to
managing investments and how do you tailor strategies to individual clients.

Speaker 10 (37:08):
You also want to know how often you'll interact and
through what channels. Ask how often will we meet and
how will we communicate phone, email and person meetings? Find
out how often they'll review your plan? How often will
we meet? To adjust my retirement plan? Life changes and
your retirement plan needs to adapt along with you.

Speaker 11 (37:28):
Compensation and cost are also important topics to address with
a prospective advisor. Ask directly, how are you compensated, what
are your fees? And are there any additional costs that
I should be aware of.

Speaker 10 (37:43):
Ultimately, finding the right advisor is about building rapport and trust.
Of course, trust doesn't happen overnight. It takes time to develop,
but trust your instincts. If something feels off after your
initial meeting, it might be worth continuing your search. After all,
the goal is to find someone who you not only trust,
but also feel confident will pursue your unique financial goals

(38:04):
with the same level of care and commitment as you
would yourself. This is someone you'll likely be working with
for years to come, so don't settle. Keep looking until
you find the advisor who feels like the right fit
for your journey toward the financial future you envision.

Speaker 11 (38:19):
Selecting the right financial advisor can be one of the
most important decisions you can make for your financial future.
This is someone that you'll rely on to help guide
you through retirement planning, management of your investments, and ultimately
ensure that you are on track to meet your goals.
But it's also about finding someone you can trust and

(38:40):
can communicate with effectively, someone who will prioritize your needs
and goals.

Speaker 10 (38:46):
If you're unsure about way to start or want a
second opinion on your current financial plan, we'd love to
help call us today to schedule a complimentary consultation with
our team. There's no obligation, just an opportunity to explore
how the right financial advisor can help you pursue your
retirement dreams.

Speaker 11 (39:02):
Don't leave something as important as your financial future to chance.
Take the first step today, give us a call and
let's work together with that.

Speaker 8 (39:11):
My name is Greg.

Speaker 10 (39:12):
Workman, and I'm like you said, join us next week
for more safe money strategies.

Speaker 5 (39:19):
Kelly Financial Services go to Kellyfinancial dot org.

Speaker 6 (39:24):
I'm Kelly Kelly from Kelly Financial.

Speaker 7 (39:26):
Retiring early requires a rock solid plan to fund it.
Fixed indexed annuities provide growth potential, protection from market turndowns,
and a guaranteed income. Our free investor guide, called the
ABC's of Protected Retirement Income helps you understand the advantages
and cost of fias. For the guide, call eight eight
eight eight hundred eighteen eighty one or email Kelly at

(39:49):
Kellyfinancial dot org.

Speaker 6 (39:50):
We're Kelly Financial. Come retire with us.

Speaker 5 (39:53):
Safe money strategies. Call eight eight eight eight hundred eighteen
eighty one. We'll go to Kelly Financial dot org.

Speaker 9 (40:02):
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.

Speaker 6 (40:15):
Name, Kelly Kelly Kelly how are.

Speaker 14 (40:20):
You, Good morning, Jeff, I am good. Retirement should be
your golden years, a time to enjoy life. Do you
have a solid income plan in place? Inflation, market changes
and unexpected expenses can impact your savings. At Kelly Financial,
our advisors can build a retirement plan that protects your

(40:44):
lifestyle and your legacy. Will help you maximize your social
Security benefits, manage your investments wisely, and recommend strategies that
will prevent you from outliving your savings. We also have
a free investor guide called Your Retirement Income Planning Checklist,
which could help you build a smart, step by step

(41:07):
retirement income strategy. For the guide or for a free
consultation with a Kelly advisor, give us a call or
email Kelly.

Speaker 6 (41:15):
At Kellyfinancial dot org. For go to our.

Speaker 14 (41:18):
Website for our radio rewind Jeff, have a wonderful weekend.
My best to Grace and the kiddos.

Speaker 9 (41:26):
Thank you, have a wonderful weekend, Kelly. To all of
you out there. If you want to have a free
retirement consultation or get a copy of their free guide,
I urge all of you to do it. Call eight
eight eight eight hundred eighteen eighty one eight eight eight
eight hundred eighteen eighty one, or you can email Kelly
herself Kelly at Kellyfinancial dot org.

Speaker 6 (41:49):
Kelly at Kelly Financial dot org.

Speaker 5 (41:55):
Safe Money Strategies with John Fudris and Kelly Kelly, call
Kelly Financial on eight hundred eighteen eighty one, or go
to Kelly Financial dot org. Come retire with us, melhen Well,

(42:19):
this lovely Saturday morning. If there is one thing that
could make it even prettier or better, it's talking with
Kelly Kelly, and that's what we have today. We have
her on the line and we're going to do a
little girl talk today.

Speaker 7 (42:33):
Yeah with us girls. Nice introduction. I appreciate that.

Speaker 4 (42:37):
That's right, because we're going to be talking about the
unique needs that women have in their financial planning because,
believe it or not, men and women are different.

Speaker 6 (42:48):
They are.

Speaker 7 (42:49):
And you know what, John, every woman needs a financial
plan to.

Speaker 4 (42:53):
Call her own for the most obvious reason is that
women live longer, don't they right?

Speaker 7 (42:59):
Women are different from men, and there are a variety
of reasons, and that is one of them. They live longer,
and they can expect to live to be eighty seven,
and they show that men eighty.

Speaker 4 (43:12):
Four right, So, whether we're talking about espousal situation or not,
women on average are going to outlive men by four
to five years, and that means that their savings needs
to last that much longer. And of course that means
that there are specific goals and specific care that needs

(43:32):
to be done in order to accomplish.

Speaker 7 (43:34):
That true, and women are also more likely to be
single later in life.

Speaker 4 (43:40):
Here's sort of a negative part is that women tend
to carry more debt as well. They actually have eight
times more debt than men do of the same ages,
and that's astounding.

Speaker 7 (43:53):
And women are time starved as well because in many
of their roles as workers, wives, mothers, dogs, there's women
spend an average of twenty eight hours each week on
unpaid work and that typically includes caregiving responsibilities for children,
aging parents, and disabled family members.

Speaker 4 (44:14):
So that's another So what are some of the specific
things that in this particular kind of planning for women
for their retirement. What are some of the very specific
things that we have to keep our eye on.

Speaker 7 (44:28):
I think for many women, financial independence is the number
one concern and there are a number of action items
to create financial confidence, so to say, and they're all
very important but one that I think is very important
is confronting your fears.

Speaker 6 (44:49):
Are you controlling your money or is it controlling you?

Speaker 4 (44:52):
What are some of the examples that you can think
of when it's controlling you as opposed to you controlling it.

Speaker 7 (44:58):
Things have changed, obviously, women are in the workforce more,
they control more wealth, and the traditional views about finances
really need to be redefined. So women need to face
financial decisions head on. But everyone's different, but fear can

(45:18):
really be damaging.

Speaker 4 (45:20):
How important is it to have women have the money
in their own names as opposed to being controlled or
managed strictly by their spouses.

Speaker 7 (45:30):
Very important. They need to have their individual credit history,
they need to have some financial accounts in their name only,
and you know, in some cases everything is in the
spouse's name and not the wives, so it's very important
to make sure your name is a part of.

Speaker 6 (45:50):
It on financial accounts.

Speaker 7 (45:52):
It's very important to choose your financial advisor very wisely.
And one of the most important things I think is rapport.
You need rapport so you can talk to your person,
and they need to be experienced and they can help
you look for the right solutions at every stage of
your life.

Speaker 6 (46:11):
So you can build.

Speaker 7 (46:12):
Confidence, because confidence is so important so you can take
control of your finances.

Speaker 4 (46:18):
One of the first and most important steps is meeting
with a potential one to see if there is that rapport,
see if that spark of relationship is there. You can
feel it in your gut. And I would encourage everyone
to give a call right now to eight eight eight
eight hundred eighteen eighty one at Kelly Financial and make
that appointment to sit down and speak with missus Kelly

(46:41):
or one of the other advisors at Kelly Financial. No
one is going to chase you around the room with
a contract and a pen.

Speaker 6 (46:48):
This is no. You always make me smile. That is
so true, and you know firsthand h I do.

Speaker 3 (46:54):
I do.

Speaker 7 (46:55):
Financial independent starts with determining your financial goals and put
a plan in place.

Speaker 3 (47:01):
Right.

Speaker 6 (47:02):
It doesn't have to be so hard.

Speaker 4 (47:03):
And a good financial advisor is not going to put
any pressure on you to do one plan or another.
Nor will that financial advisor put any pressure on you
to sign up with that firm. And they're going to
let you make that decision and let that come from
your gut. And I know that's the best way to
do it. And that first step is by giving a
call to eight eight eight eight hundred and eighteen eighty one.

(47:26):
The only answer that they will be demanded of you
in that meeting is cream or sugar?

Speaker 3 (47:31):
Yes or no. That's a.

Speaker 4 (47:34):
That's the only pressure you're going to get.

Speaker 5 (47:41):
Kelly Financial Services. Go to Kelly Financial dot org. Come
retire with us.

Speaker 4 (47:47):
Are you moved by the transition from one season to another,
like winter into spring or summer interfall?

Speaker 3 (47:53):
Likewise, we are moved by life's.

Speaker 4 (47:55):
Transitions, losing a job, facing retirement, the passing of a spouse.
Are prepared for the financial hazards each transition brings, The
financial advisor said, Kelly Financial can help you triumph over
life's transitions. Called eight eight eight eight hundred and eighteen
eighty one or email Kelly at Kellyfinancial dot org. Serving
Boston for twenty two years.

Speaker 15 (48:18):
Good morning, ladies and gentlemen. This is Bill Kelly. I
was pumping some gas the other day and I stopping
shop and a fellow was next to me and he said, wow,
aren't you Bill Kelly? I said yeah. He said, oh,
I'm Bill. Remember me in school? I said that's right. Yeah,
How are you Ben?

Speaker 8 (48:33):
He says?

Speaker 15 (48:33):
Great? And I said, what's new and how have you
been since school? And I always ask my ex schoolmates
if they have pictures, especially from second grade. I'm looking
for a picture of my second grade class because the
people in that class I'm trying to track down and
find out what they're doing with their lives. And I
do a lot of family history and things like that.
But anyway, my friend Bill, whom I hadn't seen in

(48:54):
probably thirty years maybe, I said, how's your family, said well, well,
my last daughter just finished graduate school, and so we're
all set with that. He said, how about you when
I said, well, my last son I just got his
first train set, a Wooden Thomas the train engine, and
he's been playing with it all morning. So we both
laughed uproariously. When we're in school, guts was seventeen cents

(49:17):
a gallon at the Fiscus station, So times do change.
I'm very interested in my old schools where I went,
especially elementary and middle school. I had such a great
education there and learned so much and it was so
much fun. I remember every single teacher except for my
first grade teacher. I don't know why, but I remember

(49:38):
every other teacher I ever had. I enjoyed them. I
thought they did a great job. I was entertained in
my classroom at all times, and you know, sometimes I
cut up, I guess, don't we all we used to
buy those little transistor radios for ninety eight cents. I
don't know if you remember those, but I was a
big Red Sox fan, so I used to love Red Sox.
And later on, when I got in too high school,

(50:00):
we used to come up here for opening Day. We
came up four or five years in a row, my
buddies and I. We took the bus. Later on we
had driver's licenses and cars, so we drove up. But
before I could do that, I would get the ninety
eight cent transistor radio at Woolworth's. And now remember those
little earplugs that went on that radio. So I would
put that radio in my corduroy pants pocket and I

(50:23):
would get that ear plug and I would run it
up through the sleeve of my shirt and then I
could have it in my hand. No one could see
the wire. I'd have the headphone there, and I'd put
my hand up to my ear, put my elbow on
the desk, and I'd look at the teacher and listen
to the Red Sox on opening day. So that was
one of my little tricks. I would certainly be upset,
or would I if my son did the same thing,

(50:44):
But that's what we did. And if it was the
worst thing I ever did, well, I'd be lucky. But
it was a lot of fun back then. In school,
we knew our teachers very well. It's turned around. My
daughter gets an email every week from her teacher on Monday,
as do we, and that's really amazing that a teacher
would take that much time. And her teacher from fourth

(51:04):
grade has also written a letter to us wanting to
know the strengths of what happened with our daughter, Mary Madline.
In other words, she wants to make sure that she
prepared her correctly for middle school. And that's astounding to me.
So we've had great luck with teachers, from myself growing
up to my children right now, and we're very happy

(51:24):
with the educational system. And I think it's a miracle,
I really do. I think the education that we receive
in this country is terrific. I know we're behind other
countries as far as standardized testing goes. I think in
Japan there's basically no summer vacation, and the school days
are long. The children, most of them have tutors at
night or they spend most of the night studying right

(51:45):
from elementary school on up. So it's a lot different,
it's a lot more competitive. But we have that American
know how, ingenuity and sharpness that's going to create innovation,
and that's how we overcome these problems and challenges that
we are faced with. And I think that we will
do that in the coming generations. The generation now of
children in middle school and starting high school, they're called

(52:09):
the millennials. So we went from Generation X to Generation
Y to millennials. We went from the Boomers to X,
and the generations sort of carry their own badge of honor.
Coming of age is very difficult, and I think the
times that we come of age and the surroundings when
we do have a large effect on how we will
later govern the country, how we will respond in the workforce.

(52:32):
And I think this generation is learning team orientation. I
think they're learning how to work together to create and
to achieve a goal. And I think they're learning how
to get along. Things are getting a little bit crowded.
My backyard was twenty seven acres so I had forts,
I had fields, I had stone walls, I could make
my own forts. We would get down to the Arilis

(52:53):
which was three fields over, and we could go up
to the miller's house, which was across one field. So
we had a lot of land around us. And that's
not the case anymore. We are getting closer and closer together,
and as we do, we find that we have opportunistic challenges.
Healthcare is a big challenge, especially for seniors who make

(53:15):
up a lot of my audience. Remember my clients and
you folks, most of you, We are not greedy people.
We are trying to preserve. We're trying to protect, just
like the police department does, and we're trying to provide
for people other than ourselves. So we don't need to
be selectively outraged to do that. I do think there
are some absurdities of life that occur in the financial markets, especially,

(53:39):
and we do like to point them out to you
from time to time. For the most part, we're happy.
We're happy with the legislation in Massachusetts. We're happy with
the regulation. So I think we have good regulation here.
I think we have a great environment. We're trying to
protect what we have, preserve it, grow it a little bit,
pass it along, and while you're at it, ladies and gentlemen,

(54:01):
remember to spend some dough as we say, as my
grandfather would say, have a nice vacation, enjoy some time
with your loved ones. Use that money. If you do
have a considerable amount saved for retirement and you are retired,
use some of it for enjoying the better things in life,
a trip, a cruise with people you love. Give those

(54:21):
extra gifts now while you're here. I've never heard anyone
at a funerals say when they looked at the person
in the casket, gee he took too many trips, or boy,
he had too much insurance, or geez, he had too
many good times. So enjoy it while you can have fun.
And that's important, mainly because our time here, while it's
a gift, it's limited.

Speaker 5 (54:46):
Call Kelly Financial Services eight hundred eighteen eighty one.

Speaker 7 (54:52):
I'm Kelly Kelly from Kelly Financial. If you're a gen
X or retirement is getting closer, but are you prepared
for it? The retirement landscape has changed, pensions or rare,
social security might not be enough, and healthcare costs just
keep rising. When it comes to your future, don't go
it alone. Getting a retirement plan in place is essential.

(55:15):
The advisors at Kelly Financial can create a personalized income
plan that can help you maximize savings, manage taxes, and
put you in control of your retirement. We also have
a free investor guide that might help. It's called five
Retirement Planning Missteps to Dodge. It offers guidance on how
to avoid potential pitfalls when it comes to planning for

(55:36):
your retirement. For the guide or for a free consultation
with a Kelly advisor, call eight eight eight eight hundred
eighteen eighty one or email Kelly at Kellyfinancial dot org
where Kelly Financial.

Speaker 6 (55:50):
Come retire with.

Speaker 5 (55:51):
Us Safe money Strategies cool now on eight eight eight
eight hundred eighteen eighty one, or go to cat talifinancial
dot org.

Speaker 4 (56:03):
The news break is coming up, and during the break
take the time to give a call at eight eight
eight eight hundred eighteen eighty one and make that all
important first step to secure your retirement future. Talk things
through with a financial advisor about any aspect of retirement
or money management, whether it's your portfolio, concerns about healthcare,
or if you're tossing around the idea of relocating or

(56:24):
maybe 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.

(56:46):
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 and bring and burlingt hurry see you next week.

Speaker 16 (57:03):
All opinions expressed by the host, his guests, or employees
of Kelly Financial Services are solely their own and do
not reflect the opinions of Kelly Financial Services. 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

(57:25):
the Safe Money Strategies Show and providing testimonials of his
personal experience as a client of Kelly Financial Services, Kelley
has waif the host's advisory v in full.

Speaker 1 (57:31):
Because of this, ran