Kelly Financial: Saturday, March 21, 2026

See omnystudio.com/listener for privacy information.

Episode Transcript

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

Speaker 2 (00:20):
Ladies and gentlemen, Welcome to Safe Money Strategies on WRKO.
I'm William Kelly and it's an honor to carry on
a family legacy rooted in real world values and practical advice.
Kelly Financial was founded in two thousand and three by
my parents, my late father Bill Kelly and my mother
Kelly Kelly in Braintree and Burlington, Massachusetts. Just two years later,

(00:41):
Dad launched Safe Money Strategies on WRKO as a no
nonsense callin radio show focused on common sense planning and
protecting wealth. Over the past two decades, Dad became a
pillar in New England finance, an engineer turned entrepreneur, author
and philanthropist who believed in giving back and walking the talk.
Since our show has remained a Saturday morning staple, offering

(01:03):
insight and empowerment. Here at Kelly Financial, we help stewart
over eight hundred million dollars across our affiliated business, including
more than six hundred million dollars managed by our SEC
registered investment advisory, Where fiduciary care and our family first
philosophy guides us on safe money strategies. You'll hear candid
conversations with the team my mother Kelly, myself, advisors Charlie Gable,

(01:27):
Mike Ducett, Greg Workman, Greg Murray, my sister Mary Madeline,
and Tom Schlager. We live by two rules, never quit
and carry on, and we're here to help you do
the same when it comes to your money. Stick around,
take notes, and join the conversation. To learn more or
get our free guides or schedule a consultation, visit Kelly
Financial dot org or call us at eight eight eight

(01:49):
eight hundred one eight eight one. This is Safe Money Strategies.
Next up Forever Young with Kelly Kelly and myself, William
Kelly Junior.

Speaker 3 (02:02):
Safe Money Strategies with William Kelly and Kelly Kelly eight
hundred eighteen eighty one.

Speaker 4 (02:12):
Each week on Safe Money Strategies, we take a moment
to step back from the headlines and have a real conversation,
the kind you might have around the kitchen table. This
is a part of the show we call Forever Young
is where I sit down with my handsome son William
and we talk about life, what's going on in the world,
in our family, and what really matters most when you're

(02:35):
planning for the future. Sometimes it's life. Sometimes is thoughtful,
but it's always real. Good morning, William, How are you?

Speaker 5 (02:43):
Good morning Mom? I'm fine. How are you?

Speaker 4 (02:45):
I'm doing just dandy.

Speaker 5 (02:47):
Great, that's good to hear. It's been a good week.

Speaker 4 (02:50):
Yes, good sitting with you again.

Speaker 5 (02:52):
I know. And I've been home all week. Isn't that great? No?

Speaker 4 (02:55):
I loved it. Spring break?

Speaker 5 (02:57):
Oh thank god.

Speaker 2 (02:58):
It's been a journey and it's finally at an end.
It's been a one week break.

Speaker 4 (03:02):
But you've been like recharging this week. I have Yeah,
you were tired when you got home.

Speaker 5 (03:08):
I was.

Speaker 2 (03:08):
I think I slept until one thirty in the afternoon.
I didn't know I could do that.

Speaker 1 (03:12):
I just let it be. I appreciates got it.

Speaker 4 (03:15):
He's got a recharge here.

Speaker 5 (03:18):
I don't even know where that came from or how
it happened. It just happened.

Speaker 4 (03:21):
I think it's a build up from living in a dorm.

Speaker 5 (03:24):
Probably.

Speaker 1 (03:24):
I'm sure that has a you know, I know you
have a.

Speaker 4 (03:26):
Good routine going.

Speaker 1 (03:27):
We're just tired, I think so.

Speaker 4 (03:30):
So.

Speaker 5 (03:30):
Saint Patrick's Day has now surpassed us. That was nice.

Speaker 2 (03:34):
We had a parade here in Newport, and there was
a parade in Boston. My buddy from college came over
during break. He spent the day with me and we
went out to Newport on Tuesday and we got a
nice dinner and we had some fun. But Boston, on
the other hand, over the weekend, I can't I mean,
I'm sure they had fun, but I can't.

Speaker 5 (03:54):
Say it was as peaceful as Newport. There was a big.

Speaker 2 (03:57):
Bloody mess over there, or just you know, in college
kids with dick Boston accents just going out and I.

Speaker 5 (04:02):
Don't even know what the heck was happening.

Speaker 2 (04:04):
Oh my word, cops fighting kids, kids fighting kids, cops
fighting cops.

Speaker 5 (04:08):
I don't know. It was funny.

Speaker 2 (04:10):
They posted all about it on social media, and my
friends are posting it on their stories, and so I
got a quick glimpse of that, and I have to say,
looks like an eventful day. Glad I wasn't there. My
buddy was there, actually, and he saw a wave of
people so packed that over the guardrails. People were falling

(04:31):
over it, so they were all backed like sardines. So
I mean, that's Boston for you. Boston and St. Patrick's Day.
What a great combination.

Speaker 4 (04:40):
Oh my word, my word, so funny. Well, what else,
what else has happened? I know your grandparents they had
their anniversary, who would have been their sixty fifth anniversary,
So your grandfather had a lot of great memories to share,
like so many years.

Speaker 5 (05:02):
I didn't even realize that it was their anniversary.

Speaker 4 (05:04):
Yeah, they were married in nineteen sixty one and they
took off for a three month honeymoon.

Speaker 5 (05:11):
Holy in his corvettely.

Speaker 4 (05:14):
And the luggage and they had hat boxes. Then the
women wore hats and his car was loaded down a
lot of hat boxes. And grandmothers said they knew they
were okay because like every now and then they would
receive hat boxes in the mail, like downsizing. But yeah,

(05:36):
they drove across the country. They went to California. They
had a great honeymoon.

Speaker 5 (05:41):
That's a tough car.

Speaker 2 (05:42):
I can't think of a Corvette now that would last
more than one hundred miles.

Speaker 4 (05:46):
Your great grandparents they did the same thing for their honeymoon.

Speaker 2 (05:49):
Really, they want a three month honeymoon. Yeah, holy, this
is a family tradition.

Speaker 4 (05:52):
Yeah, and they come back and they're expecting their first child.

Speaker 5 (05:56):
Oh my gosh, that was me, that was you? Wow, Yes, yes,
that wonderful.

Speaker 4 (06:03):
So yeah, yeah, so I see him a lot of
pictures that I have from their wedding, and yeah, it
was so sweet.

Speaker 5 (06:11):
I'm sure sixty five.

Speaker 4 (06:14):
Yeah, when Mom passed, you know, it.

Speaker 5 (06:16):
Was their sixtieth that's right.

Speaker 4 (06:17):
Yeah, yeah, but it's been I can't believe it's been
five years.

Speaker 5 (06:20):
That's incredible.

Speaker 6 (06:21):
I know, that's just wild.

Speaker 4 (06:22):
I know he still loves her just as much.

Speaker 5 (06:25):
I'm sure.

Speaker 4 (06:26):
Yeah. Wow, that's a bittersweet.

Speaker 5 (06:30):
Little Yeah, that is.

Speaker 2 (06:31):
I know it was a sad day when she left us,
but you know, she was surrounded by family.

Speaker 5 (06:36):
We were very lucky to be around her.

Speaker 2 (06:38):
My grandmother was a personality ladies and gentlemen. I don't
even know how you describe her, but I'll say this all.
I'll give her the introduction. She was the second most
beautiful woman compared to Martha Stewart, who and I think
her own words said she.

Speaker 5 (06:53):
Should have won.

Speaker 4 (06:54):
It was best dressed and something else.

Speaker 2 (06:56):
Yeah, it was Mimi should have won. I just I
know Mimi, and she's better looking than Martha Stewart. No
disrespecting Martha Sewart, you know, a beautiful woman, but you know,
I think maybe should have won that.

Speaker 1 (07:08):
But other than that, she was beautiful.

Speaker 2 (07:11):
She had a strong knack for interior design, which got
passed down to mom. And so the house has great
interior design than you William, thanks to me Me's genetics.
And she had great taste, just very like artistic vision.
She was a woman's woman, no other way to put it, Yes,
like in the best way possible.

Speaker 4 (07:28):
I know, when I'm in Georgia and I, you know, visiting,
and I run into someone who knew your grandmother, they
always say, oh, I love Diane. She was so sweet.

Speaker 2 (07:42):
Never get on her badside, though it was over the
second you were, if you if you made her a
grand baby's upset, or if you ticked her off the
wrong way.

Speaker 4 (07:53):
She was she was a spitfire.

Speaker 5 (07:55):
She was a spitfire. So it goes both ways in
the possim.

Speaker 4 (07:58):
I always think of one picture of you sitting in
my mother's lap and you were I don't know, maybe
three years old, three or four, and you were a
little stinker that day, and you didn't want your picture taken,
and so anyway, you kind of smiled in the picture

(08:18):
and Mom had like two little fingers up behind your
head like they were devil horns, and she's laughing. If
that is barn On the cutest picture.

Speaker 2 (08:31):
I have the vision in my brain right now that
I'm sure it's on Facebook somewhere too.

Speaker 4 (08:35):
Oh, I'm sure. Oh that picture is just what a memory.

Speaker 1 (08:42):
I love it, how beautiful I know.

Speaker 2 (08:45):
Well, I hope everybody's family had a wonderful Saint Patrick's Day.
I hope that it was peaceful. And hopefully you didn't
get any drunken bar fights. That's very important. Oh really
you want to try to avoid those. Yeah, I hope
everyone had less of Saint Patrick's Day. And if anybody
else is on spring break and listening right now, I
hope you enjoy your Saturday and Sunday.

Speaker 5 (09:04):
Back to school on Monday.

Speaker 4 (09:06):
Absolutely, do keep us on your dial. We've got a
lot of great content coming your way. Mike do Said
and Greg Workman will break down the three stages of
retirement and how planning for each phase can help bring
confidence to your financial future. Mary, Madeline Kelly and Greg Murray.
We'll talk about why spring can be a great time

(09:28):
to do a little financial spring cleaning. When William and
I return, we will talk about what falling interest rates
can mean for retirees and some thoughtful steps families may
want to consider, and of course, We'll close the hour
with some wit and wisdom from the late Bill Kelly.
His words continue to inspire and guide us. That's a

(09:50):
wrap for forever. Young thank you for listening, and William,
thank you for joining me. We'll be back with more
great content. I love you, Honey, I love you too.

Speaker 7 (10:08):
All right, Boston, let's talk about your money. Washington just
passed what the President calls the one Big Beautiful Bill,
and yes, there are significant tax changes in it. Lower
rates remain in place. There's a new deduction for Americans
over sixty five. Estate exemptions are expanding. That could mean
more of your hard earned money staying where it belongs

(10:31):
with you. But here's the reality. Even tax relief requires
thoughtful planning. Some provisions may sunset in the coming years.
Healthcare eligibility rules are evolving. How will all these changes
apply to your retirement income. That's why Kelly Financial created
a new guide, Unlock your tax savings. Call now to

(10:54):
get your copy eight eighty eight, eight hundred and eighteen
eighty one or email Kelly at Kelly Financial dot org.
Kelly at Kelly Financial dot org.

Speaker 1 (11:08):
Welcome back to Safe Money Strategies. My name is Mike Ducett.
Chief operating officer at Kelly Financial.

Speaker 8 (11:13):
Joining me as always is Greg Workman, investment advisor here
at the firm. Each week on the show, we talk
about the financial challenges people face as they approach retirement,
and more importantly, how thoughtful planning can help create confidence
and clarity during those years. Greg, we spent a lot
of time helping people transition from the working years into retirement.

Speaker 1 (11:34):
One thing we've noticed over.

Speaker 8 (11:35):
The years is that many people assume retirement is going
to be one long, steady financial phase. They think their
expenses will stay roughly the same year after year, but
in reality, that's almost never how it works.

Speaker 1 (11:47):
That's exactly right, Mike.

Speaker 9 (11:49):
One of the most helpful conversations we have with clients
and prospective clients is explaining that retirement tends to unfold
in stages. Your lifestyle changes over time, your priorities evolve,
and naturally, your spending patterns change along the way. Financial
planners often refer to these as the three stages of retirement,

(12:13):
the go go years, the slowgo years, and the no
go years. Understanding those stages can really help people build
a retirement plan that reflects how life actually unfolds.

Speaker 8 (12:27):
And Greg this is something we talk about frequently with
families who come into our office. Many people build their
retirement projections assuming their spending will stay flat for twenty
five or thirty years, but when we walk them through
the reality of those three phases, it often makes their
plan feel much more realistic and frankly, more achievable.

Speaker 1 (12:45):
Let's start with the first stage, the go go years.

Speaker 9 (12:48):
The go go years are typically the early part of retirement.
Think about someone who retires around age sixty five. The
first decade or so, maybe in their mid sixties into
their early seventies, is often when people are at their healthiest.
They're most active and most excited about the freedom that
retirement breaks. They finally have all the time for all

(13:10):
the things they couldn't do during their working life.

Speaker 8 (13:13):
This is when we often see people doing the things
they've been postponing for years.

Speaker 1 (13:17):
Travel is a big one.

Speaker 8 (13:19):
Many retirees start planning trips they've talked about for decades.
Maybe it's visiting national parks, taking a European vacation, going
on a cruise, or simply spending more time visiting family
in different parts of the country. But it's not just traveled,
it's hobbies, activities and experiences. People start golfing more, joining clubs, volunteering,
taking classes, or spending more time with their grandchildren.

Speaker 6 (13:41):
Exactly.

Speaker 9 (13:42):
These are the years when people are most active and engaged,
and because of that, this stage of retirement can sometimes
be the most expensive. That surprises a lot of people
because many assume their expenses will immediately drop once they retire.
In reality, some expenses do go down, things like commuting

(14:03):
costs or payroll taxes, but discretionary spending often increases. You're
going out more, traveling more, and enjoying experiences that you
simply didn't have time for during your working years.

Speaker 8 (14:18):
And this is something that often makes retirees a little
uncomfortable at first. They've spent decades developing the habit of
saving money. Suddenly they're retired and they see their spending
increase because they're enjoying life more. Naturally, they start asking themselves,
are we spending too much?

Speaker 9 (14:33):
That is a very common concern. Many retirees come into
our office and say something like, we're excited about retirement,
but we're worried about spending too much early on. But
what they don't always realize is that spending more during
the go go years can actually be part of a
well designed retirement plan. Retirement spending doesn't necessarily look like

(14:58):
a straight line. In many case, it looks more like
a curve.

Speaker 8 (15:02):
And this is where some of the planning tools we
use can really help people visualize what their retirement might
look like. When we sit down with families, we use
retirement planning software that allows us to project spending patterns
over time. Instead of assuming someone spends the exact same
amount every year for the next twenty five or thirty years,
we can model something much closer to reality. For example,

(15:24):
we might project higher spending during the early retirement years
when someone is traveling and enjoying activities, and then gradually
tape of the spending down over time.

Speaker 9 (15:34):
When people see that visual illustration, it can be reassuring.
Many retirees are naturally conservative. They've spent decades saving and
being responsible with their money, so even when they've accumulated
enough to retire comfortably, they sometimes struggle to feel confident
about spending it. But one retirement plan intentionally allows for

(15:57):
higher spending in those early years. It can give funok's
permission to enjoy the retirement they worked so hard to reach.

Speaker 8 (16:05):
Let's walk through a hypothetical example that illustrates this.

Speaker 1 (16:08):
Let's say we're working with the couple.

Speaker 8 (16:10):
This is a hypothetical client example for illustration purposes. We'll
call them John and Susan. John is sixty five, Susan
is sixty four, and they've both recently retired.

Speaker 1 (16:20):
They've done a good job saving throughout their careers.

Speaker 8 (16:22):
In between their retirement accounts, social Security benefits, and their
investment portfolio, they've built a solid financial foundation. But they
come into our office with a concern that we hear
quite often. They say, we're excited about retirement, but we're
worried about spending too much early on.

Speaker 9 (16:38):
And when we ask them about their plans, the reason
becomes clear. They want to travel more. They want to
visit national parks, They want to spend time with their
grandkids who live in different states. John loves to golf,
and Susan wants to take smart classes that she never
had time for during her career. These are classic go

(16:59):
go years goals, but at the same time, they are
worried that enjoying those experiences might somehow jeopardize their long
term financial security.

Speaker 8 (17:10):
This is where having a structured plan can make all
the difference. When we run their numbers through the planning software,
we can build a retirement projection that reflects their lifestyle goals.
Maybe their spending is a little higher during their sixties
and early seventies while they're traveling and staying active, then
over time the spending gradually tapers down. When John and

(17:30):
Susan see that projection and see that their plan still works,
it can completely change their perspective. Instead of worrying about
every dollar they spend, they can start focusing on enjoying
the years they've worked so hard to reach.

Speaker 9 (17:43):
And that really highlights the purpose of planning. Retirement planning
isn't just about investments or account balances. It's about aligning
your financial resources with the life that you want to live.
If someone spent decades saving responsibly, those early retires from
years should be an opportunity to enjoy that freedom. But

(18:04):
it should be done thoughtfully and.

Speaker 8 (18:06):
Strategically, exactly because, as we mentioned earlier, the go go
years are really just the first phase of retirement. Over time,
lifestyles and spending patterns tend to evolve. Travel slows down,
routines become a little simpler, and priorities often change in
the next stage what plan is often call the slow
Goo years.

Speaker 1 (18:25):
People are still active.

Speaker 8 (18:27):
But they may not be moving around quite as much
as they were in those early retirement years. Eventually, there's
also the Nogo stage, when healthcare and other considerations can
start to play a bigger role. Understanding how these stages
fit together can make a big difference when building a
retirement income strategy.

Speaker 1 (18:43):
And when we come back, we'll.

Speaker 8 (18:45):
Continue this conversation and talk about the slowgo years and
the no Goo years and how proper planning can help
ensure your retirement income supports you through every stage of life.

Speaker 3 (18:59):
Kelly Financial Services A eight eight hundred eighteen eighty one.

Speaker 5 (19:04):
It's sorry what you've done. That's important, but it's the
challenge it has been.

Speaker 10 (19:08):
Sir Edmund Hillary said those words after reaching the summit
of Mount Everest. But in climbing the decent 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

(19:30):
up must come down. We're Kelly Financial Come retire with us.

Speaker 3 (19:35):
The Money Rap with Kelly Financial Advisors Greg Murray and
Mary Madeline Kelly.

Speaker 11 (19:42):
Hello, this is Greg Murray, Senior vice president and chief
Compliance Officer Kelly Financial Services. Joining me today is Mary
Madeline Kelly, one of our wealth advisers. How are you
doing today?

Speaker 12 (19:51):
I am doing great, Greg, And I have to say,
there's something about this time of year that just feels
like a reset. The weather is starting to turn, the
days are getting longer, and people naturally start organizing things
their homes, their schedules, and ideally their finances too.

Speaker 5 (20:09):
That's right.

Speaker 11 (20:09):
Spring cleaning isn't just for clauses and garages. It's actually
one of the best times of year to take a
step back and clean up your financial life exactly.

Speaker 12 (20:17):
And the nice thing is this doesn't have to be overwhelming.
Financial Spring cleaning is really about getting organized, making sure
everything is up to date, and creating clarity. So where
should people start? A great place to start is simply
getting organized. Many people have accounts spread across different institutions
old four one ks, iras, brokerage accounts, and they may

(20:39):
not have a clear picture of everything in one place.

Speaker 11 (20:42):
We see that all the time, and when things are scattered,
it's harder to manage risk, track performance and make informed decisions.

Speaker 12 (20:48):
Consolidation, when appropriate, can make things much easier to manage.
It's not about changing everything, it's about knowing what you
have and how it all fits together.

Speaker 11 (20:58):
Another important step is reviewing ben fisiaries and account details.
These are things people set once and then forget about, yes,
and they're incredibly important. Beneficiary designations override wills in many cases,
so making sure they're accurate is critical, especially after life
changes like marriage, divorce, or having children. This is also

(21:18):
a good time to look at trust and contacts on accounts,
making sure someone can be reached if something unusual happens exactly.

Speaker 12 (21:25):
It's a simple step that can provide an extra layer
of protection.

Speaker 11 (21:28):
Let's talk about spending for a moment. Spring is also
a great time to review cash flow.

Speaker 12 (21:32):
Yes, not in a restrictive way, but in an awareness
based way, looking at where your money is going, identifying
subscriptions you may not need, and making sure you're spending
aligns with your.

Speaker 11 (21:43):
Priorities because small recurring expenses can add up over time.

Speaker 12 (21:46):
And sometimes just seeing it clearly helps people make better
decisions without feeling like they're sacrificing anything.

Speaker 11 (21:53):
Another area to review is investment alignment. Overtime portfolios can
drift based on market performance.

Speaker 12 (21:59):
Yes, and bring is a great checkpoint to ask, does
my current allocation still match my goals? In risk tolerance?
Rebalancing when appropriate can help bring things back into alignment.

Speaker 11 (22:10):
And of course, investing involves a risk, including the potential
loss of principle, so those decisions should always be made thoughtfully.

Speaker 12 (22:16):
Absolutely, this isn't about reacting to short term market movements.
It's about staying aligned with your.

Speaker 1 (22:22):
Long term plan.

Speaker 11 (22:23):
We should also mention tax planning. Even though tax season
is coming to a close, it's actually the perfect time
to start thinking ahead for next year.

Speaker 12 (22:31):
Whether it's adjusting withholdings, planning contributions, or thinking about strategies
like roth conversions or charitable giving. Earlier planning gives you
more flexibility.

Speaker 11 (22:41):
And it reduces last minutes stress people often feel in
March and April exactly.

Speaker 12 (22:46):
And one more area people often overlook is insurance coverage.
Making sure policies still fit their needs.

Speaker 1 (22:53):
Life changes and coverage should evolve with it.

Speaker 12 (22:56):
So when you put all of this together, Spring cleaning
your finances isn't about making drastic changes. It's about creating
clarity and making small adjustments that keep everything on track.

Speaker 11 (23:06):
And that clarity often leads to something we talk about
a lot, peace of mind.

Speaker 12 (23:09):
Yes, when your financial life is organized and aligned, you
feel much more confident and in control.

Speaker 11 (23:16):
So let's summarize for our listeners what does financial spring
cleaning look like.

Speaker 12 (23:19):
It comes down to a few key steps. Get organized
and understand what you have, Review and update beneficiaries and
account details, evaluate spending and cash flow, make sure investments
are aligned with your goals, and start thinking ahead for
taxes and planning.

Speaker 11 (23:36):
Perfect summary, and as always, every financial situation is unique
and investing of all's risks, so any decision should be
basing your personal goals and circumstances.

Speaker 12 (23:45):
But the key takeaway is this, just like cleaning your home,
taking a little time to organize your finances can make
everything feel lighter and more manageable.

Speaker 11 (23:53):
Well said, that's going to wrap things up. If you
like help getting your financial house in order, this Sprink
give us a call. We'd be happy to help.

Speaker 12 (23:59):
Absolute Thanks Greg, and have a great weekend.

Speaker 3 (24:03):
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 Safe Money
Strategies with William Kelly and Kelly Kelly. Call the team
on eight eight eight hundred, eighteen eighty one.

Speaker 4 (24:26):
And welcome back to Save Money Strategies. Kelly Kelly here
with Kelly Financial, and as always I'm joined by my son,
William Kelly Junior. Great to be her mom, William. Today
we're talking about something that a lot of retirees don't

(24:47):
always think about right away, but it can quietly have
a big impact on retirement income, and that's falling interest rates.
For decades, many retirees were told something thing fairly simple.
When you retire, you move your money into safer investments
and you live off the interest CDs, savings accounts, bonds.

(25:11):
That approach worked well in certain environments, but the challenge
is that interest rates don't stay the same forever. They
move in cycles, and when rates begin to follow, the
income that those investments produce can change pretty quickly.

Speaker 2 (25:27):
Exactly, and that's something people sometimes overlook. If someone bought
a CD a few years ago and it was paying
a certain rate, when that CD matures and rolls over
into a lower rate environment, Suddenly the income can look
very different. The retiree didn't necessarily lose money, but the
income stream they were expecting is shrink, and when someone
is depending on that income to help support their lifestyle,

(25:50):
that change can feel significant.

Speaker 4 (25:52):
And it can create anxiety if the retirement plan wasn't
built with flexibility in mind. Because retirement today isn't a
short period of time. Many people will spend twenty, twenty five,
even thirty years in retirement. Over that length of time,
we're going to see all kinds of economic cycles. Interest

(26:13):
rates will rise, interest rates will fall, markets will move
up and down. So the real goal of a retirement
plan isn't to predict exactly what the economy will do.
The goal is to design a plan that can adapt
when those changes happen.

Speaker 2 (26:31):
And something else that's important to understand is that spending
in retirement isn't always constant. A lot of people imagine
retirement as a straight line where expenses stay exactly the
same every year, but in reality, retirement often evolves in phases.
Early retirement can be very active. People travel more, they
visit family, They pursue hobbies they didn't have time for

(26:52):
while they were working.

Speaker 4 (26:54):
That's true, Those early retirement years can be wonderful years
people find have time to do the things they've been
looking forward to for decades, But as retirement continues, spending
patterns often shift. Later in retirement, many people become a
little more home centered, travel slows down, daily routines change,

(27:18):
and spending sometimes decreases naturally over time. But if interest
income declines unexpectedly, retirees may feel pressure sooner than they expected,
and that's why it's so important for a retirement plan
to consider multiple economic environments over time.

Speaker 2 (27:37):
Another area where economic conditions can influence retirement is housing.
For many retirees, their home is both their largest asset
and one of their largest expenses property taxes, insurance, maintenance.
Those costs can change over time, and when income sources shift,
housing decisions sometimes become an important part of the planning conversation.

Speaker 4 (27:58):
That's right. In many parts of the country, home values
have increased significantly over the past several decades, but that
doesn't always mean housing costs feel easier for retirees. Sometimes
those costs rise as well, and for some families, housing
decisions become part of maintaining financial flexibility in retirement. Whether

(28:23):
it means downsizing, relocating, or simply making sure housing expenses
remain manageable. Because retirement planning isn't just about investments. It's
about how all these pieces of life fit together.

Speaker 2 (28:38):
And there's another piece that people sometimes overlook, and that's
lifestyle and social connection. When people retire, they often lose
the daily interaction.

Speaker 5 (28:46):
They have through their work.

Speaker 2 (28:48):
Suddenly the routine changes, and research shows that loneliness and
isolation have become a growing issue among older adults.

Speaker 4 (28:56):
Yes, and that's why when you look at communities around
the world where people live long, healthy lives, you often
see something very consistent. Strong relationships, family connections, friendships, community involvement.
These things matter a great deal for overall well being.

(29:17):
So retirement success isn't just about financial numbers. It's also
about designing a life that stays meaningful and connected.

Speaker 2 (29:27):
And if you're thinking about how things like interest rates,
income sources, and long term spending could affect your retirement,
we do have one of our investor guides that covers
this in more detail.

Speaker 4 (29:37):
That's right, it's called Guard your Golden Years. In this guide,
we talk about some of the risks that can quietly
affect retirement over time, things like changes in interest rates,
shifting income sources, housing decisions, and the importance of maintaining
long term flexibility and a financial plan. Because retirement isn't static.

(30:03):
The economy changes, markets change, life changes, and having a
strategy that can adjust over time can make a meaningful
difference in how comfortable retirement feels. At Kelly Financial, we
spend a lot of time helping families evaluate how changing
economic conditions may affect their retirement plans and their long

(30:27):
term financial outlook, and our goal is always to help
people move forward feeling more informed and more confident about
their future.

Speaker 2 (30:38):
If you'd like a complimentary copy of The Guide Guard
your Golden Years, we'd be happy to send one to you.
Just give us a call at eight eight eight eight
hundred one eighty one.

Speaker 4 (30:47):
Again that number is eight eight eight eight hundred eighteen
eighty one, or you can email us at Kelly at
Kellyfinancial dot org and we'll make sure a copy gets
to you.

Speaker 2 (31:01):
When we come back, we'll talk about what retirees can
actually do when interest rates begin to fall, and how
thoughtful planning can help keep retirement income study even when
economic conditions change.

Speaker 1 (31:11):
Stay with us, we'll be right back.

Speaker 3 (31:17):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
visit Kellyfinancial dot org.

Speaker 10 (31:27):
There's nothing like running the Boston Marathon mark. Even before
crossing the start line, you must spend months planning in advance,
training your body, becoming familiar with the terrain, preparing for
all weather conditions, adjusting fuel and hydration, and testing your gear.
Many runners visualize their race, setting that personal record and

(31:50):
seeing themselves finishing strong. When it comes to your retirement,
what do you see? How fulfilling retirement requires the same
kind of planning, preparing, adjusting, testing, and goal setting as
for a marathon. Let the retirement coaches at Kelly Financial
Services help you cross the finish line in the greatest

(32:11):
race of your life. So call eight eight eight eight
hundred eighteen eighty one or visit Kellyfinancial dot org. When
your mark get set, go to Kelly Financial Services. Come
retire with.

Speaker 3 (32:24):
Us Safe Money Strategies with William Kelly and Kelly Kelly.
Call the team on eight eight eight hundred eighteen eighty one, Thank.

Speaker 4 (32:36):
In care and welcome back to save Money Strategies. Kelly
Kelly here with Kelly Financial Services along with my son
William Kelly Junior. Before the break, we were talking about
how falling interest rates can quietly affect retirement income, especially

(32:57):
for people who have traditionally relied on things like CDs,
bonds or savings accounts. So William, let's talk about the
practical side of this. When interest rates start to move lower,
what should retirees actually be thinking about.

Speaker 2 (33:16):
Well, the first thing is not to panic. Interest rates
have always moved in cycles. We've had periods where rates
were very high, periods where they were very low, and
periods somewhere in between. So falling rates are not unusual.
They're simply part of the economic cycle. But what retirees
want to avoid is having too much of their retirement
plan dependent on any single income source, because when one

(33:37):
piece changes, like interest income, it can affect the whole
picture if the plan isn't diversified.

Speaker 4 (33:42):
That's exactly right. A well designed retirement plan usually includes
multiple sources of income working together. For example, many retirees
will have social Security, some may have a pension, others
may have investment income, and often there are different types

(34:04):
of investment serving different roles within the overall plan. The
goal is not to rely on just one source, but
to create a combination of income streams that can help
support retirement over time.

Speaker 2 (34:18):
Another thing retire you should think about is the role
of growth within their portfolio. Sometimes people assume that when
they retire they should move completely away from growth investments,
but if retirement lasts twenty or thirty years, inflation and
rising costs can still affect purchasing power over time, so
maintaining some level of growth potential may still play an
important role with a long term investment strategy.

Speaker 4 (34:40):
That's an important point because retirement planning isn't just about
growing assets. It's about helping those assets last, and that's
where balance becomes important. Some parts of a portfolio may
be designed for stability, other parts may be designed for growth,
and the right balance often depends on a person's individual goals,

(35:05):
time horizon, and overall financial situation.

Speaker 2 (35:08):
Another area of retireees sometimes overlook is the withdrawal strategy,
in other words, where income is actually coming from each year.
Because when interest rates fall, retirees sometimes begin withdrawing more
from certain accounts than they originally expected, and if that
isn't done thoughtfully, it can affect how long those assets last,
so having a clear strategy for how withdrawals happen and

(35:30):
which accounts they come from can be very important.

Speaker 4 (35:33):
Yes, and that's something we talk about with families quite often.
Retirement planning isn't just about investments themselves. It's also about
how those investments are used over time. When income sources change, adjustments.

Speaker 5 (35:49):
May need to be made, and.

Speaker 4 (35:50):
Sometimes relatively small adjustments can make a meaningful difference over
the long term.

Speaker 2 (35:57):
Another factor retire should keep in mind is flexibility. The
most successful retirement plans tend to allow for adjustments along
the way. Maybe spending changes slightly, maybe investment allocation shift,
maybe certain financial decisions are revisited as life evolves. Retirement
isn't static. It's something that unfolds over time.

Speaker 4 (36:17):
And that's why having guidance along the way can be helpful,
because retirement planning isn't something people do once and never
think about again. Economic conditions change, interest rates change, tax
laws change, and life circumstances can change as well. So
reviewing a retirement plan periodically can help make sure it

(36:41):
continues to reflect someone's goals and priorities.

Speaker 2 (36:45):
And the encouraging news is that falling interest rates don't
have to derail retirement plans. What matters most is having
a thoughtful strategy that considers multiple possible scenarios over time.

Speaker 4 (36:56):
Exactly because while no one can control what is interest
rates or markets will do in the future, people can
control how prepared they are, and having a plan that
is designed to adapt to changing conditions can make retirement
feel far more secure.

Speaker 2 (37:14):
And if you'd like to learn more about some of
the risks that can affect retirement planning, including things like
interest rates, income planning, and long term flexibility, we do
have one of our investor guides available called Guard your
Golden Years.

Speaker 4 (37:26):
The guide walks through several of the factors that can
influence retirement over time and how thoughtful planning may help
families navigate those changes. If you'd like a complementary copy,
just give us a call at eight eight eight eight
hundred eighteen eighty one.

Speaker 2 (37:44):
Again, that number is eighty eight eight eight hundred.

Speaker 4 (37:47):
One eight eight one, or you can email us at
Kelly at Kellyfinancial dot org and we'll make sure that
copy gets right out to you.

Speaker 2 (37:56):
Planning ahead and staying flexible can make a meaningful difference
as people move through retirement.

Speaker 4 (38:01):
Absolutely, and that's one of these conversations are so important.
We'll be right back with more safe money strategies right
here on WRKO.

Speaker 3 (38:14):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
visit Kellyfinancial dot org.

Speaker 8 (38:25):
Welcome back to Safe Money Strategies. I'm Mike du Said
here with Greg Workman, and today we're talking about the
three stages of retirement, the go go years, the slowgo years,
and the no go years. Before the break, we spend
some time discussing the go go years. That's the early
stage of retirement when people tend to be the most active,
traveling more, pursuing hobbies, spending time with family, and really

(38:48):
enjoying the freedom they work so many years to earn.

Speaker 1 (38:50):
But retirement doesn't stay the same forever.

Speaker 8 (38:53):
As the years go by, lifestyles and spending patterns tend
to evolve. Greg, let's talk about the set in phase
of retirement, which planners often refer to as the slogo years.

Speaker 1 (39:04):
That's right, Mike.

Speaker 9 (39:06):
The slogo years typically occur later on in retirement, often
somewhere in the mid seventies. Into the early eighties, although
it's different for everybody. During this phase, people are still
active and engaged, but the pace of life tends to
slow down a little bit. For example, many retirees find

(39:26):
that they're traveling less frequently than they did in their
early retirement years. Instead of taking multiple big trips each year,
they might take one trip or focus more on spending
time closer to home. Activities may shift as well. Maybe
someone who was golfing three to four times a week
in their late sixties now plays golf once a week.

(39:49):
Travel may become shorter or less physically demanding. It's not
that life stops being enjoyable, it just becomes a little
more relaxed and predictable.

Speaker 8 (39:59):
And from a f financial perspective, this stage often brings
a change in spending patterns. During the go go years,
retirees might spend more on travel, entertainment, and experiences, but
in this logo years, many of those discretionary expenses naturally
start to taper off. People are still living comfortably, but
they may not be spending at quite the same pace
they did earlier in retirement exactly.

Speaker 9 (40:21):
This is something we see reflected in a lot of
real world retirement data. When researchers study retiree spending habits,
they often find that overall spending tends to gradually decline
as people move through retirement. There can be exceptions, of course,
but in general, many households spend the most during the

(40:43):
early retirement years and then slowly reduce spending over the
course of time. That's one of the reasons why it
can make sense to build a retirement plan that reflects
that pattern now.

Speaker 8 (40:55):
Eventually, retirement enters the third stage, often called the Nogo years,
and while the name might sound a little dramatic, it
simply reflects the reality that later in life, people often
slow down significantly. Travel may stop entirely, physical limitations might
make certain activities more difficult.

Speaker 1 (41:13):
People tend to spend more.

Speaker 8 (41:14):
Time at home and rely more on family members or caregivers.

Speaker 9 (41:17):
And from a financial planning perspective, this is when healthcare
expenses can become a bigger part of the conversation. Medical costs,
prescription drugs, and potential long term care needs are things
that many retirees need to think about during this stage
of life, but it's important to remember that while healthcare
expenses may increase, other categories of spending often decrease. For example,

(41:43):
someone may no longer be traveling, dining out frequently, or
spending money on hobbies the way they once did. So
overall spending may still remain manageable if it's planned for properly.

Speaker 8 (41:55):
And this really brings us back to why understanding the
three stages of retirement can be so valid. But when
building a financial plan, if someone assumes they're spending will
remain exactly the same for the next thirty years, they
may either underestimate certain costs or unnecessarily restrict themselves early
in retirement. But when you recognize that retirement tends to
evolve over time, it becomes easier to build a strategy

(42:17):
that reflects real life.

Speaker 9 (42:18):
Let me give another quick hypothetical example. Let's say we
meet with a couple, again a hypothetical example for illustration purposes.
We'll call them Mark and Lenda. They're both sixty six
years old and recently retired. They've saved diligently throughout their
careers and they have built a solid nesting But when
we first sit down with them, they're extremely cautious about

(42:41):
how they're spending money. They say things like, we're not
sure that we should travel right now, or maybe we
should wait a few years before doing some of the
things that we've talked about.

Speaker 8 (42:53):
And when we ask why, the answer is something we
hear pretty frequently. They're worried about running out of money
later in life, so they stop retirement by doing the
opposite of what many people imagine. They restrict themselves and
delay some of the experiences they were looking forward to.

Speaker 9 (43:07):
This is where the planning process can really help. When
we build a retirement projection from Mark and Linda, we
model different spending stages, higher spending early in retirement during
the go go years, gradually tapering the spending during the
slowgo years, and then factoring in potential health care costs
later on down the road. When they see that their

(43:30):
financial plan can support those stages, it often gives them
a lot more confidence. Instead of postponing the things that
they enjoy, they realize that they can actually embrace those
in the early retirement years.

Speaker 8 (43:46):
And that's really the goal of retirement planning, to give
people clarity and confidence. You spend decades saving and preparing
for retirement. The last thing you want is to reach
that point and then feel afraid to enjoy it. A
well designed retirement plan should help you understand how your income, savings,
and investments can support you through every stage of retirement.

Speaker 9 (44:05):
Exactly, and for many people, the first step toward building
that kind of plan is simply learning more about the
strategies that can help protect and organize their retirement income.

Speaker 8 (44:16):
If you'd like to learn more about many of the
concepts we discuss on this show, we've put together a
resource called the Safe Money Strategies Workbook.

Speaker 1 (44:23):
This workbook walks through.

Speaker 8 (44:25):
Some of the key ideas that can help people think
more clearly about retirement income, risk management, and long term
financial planning. If you're within five to ten years of retirement,
or you've already retired and want to make sure your
plan is on the right track, this can be a
helpful starting point.

Speaker 9 (44:39):
To request your copy of the Safe Money Strategies Workbook,
simply reach out to our office and we will be
happy to send one to you.

Speaker 8 (44:47):
We hope today's conversation about the three Stages of retirement,
Go go, slogo and Nogo helps you think a little
differently about how retirement planning really works.

Speaker 1 (44:56):
We look forward to talking to you again next week.

Speaker 4 (45:02):
I'm Kelly. Kelly Now that spring is in the air,
many families are thinking about fresh starts, not just financially,
but how we prepare the next generation for life. At
Kelly Financial, our work has always been about helping families
make thoughtful long term decisions, including how the next generation
gets started. And while all investing involves risk, including the

(45:23):
potential loss of principle, we believe education and good habits
are the foundation for smart choices over time. That's why
we're offering Only the Good invest Young, a book written
by my son, William Kelly Junior. It's a clear, encouraging
guide to the basics of money, responsibility and habits that
matter over time. If you have a child, a grandchild,

(45:44):
for someone just beginning, this is a thoughtful place to start.
We're offering a complimentary signed copy to our WRKO listeners
and clients. Call eight eight eight eight hundred and eighteen
eighty one or email Kellie at Kellyfinancial dot org.

Speaker 7 (46:01):
Joining us now as she always does at this time.
She is the co founder, CEO, and president of Kelly
Financial Services, and yes, that is her wonderful.

Speaker 5 (46:15):
Name, Kelly Kelly.

Speaker 4 (46:18):
Kelly, How are you good morning, Jeff I am good.
We've been talking about something many retirees don't notice right away,
how falling interest rates can quietly change the way retirement feels.
For many people, the income they rely on comes from

(46:38):
saving CDs or bonds, and when interest rates decline, that
income can shrink faster than expected. Suddenly the nest egg
they work so hard to build may not generate the
same monthly support it once did. That doesn't necessarily mean
your retirement is in trouble, but it does mean retirees

(46:59):
need clarity and thoughtful planning. That's why we're sharing one
of our investor guides called Guard your Golden Years. It
explains some of the challenges retire's face when interest rates
change and offers insights designed to help you protect your
income and lifestyle in the years ahead. If you'd like

(47:19):
a complimentary copy, give us a call or email Kelly
at Kellyfinancial dot org. Jeff have a wonderful weekend, My best,
Grace and the kiddos.

Speaker 7 (47:30):
Thank you, Kelly, all the best to you and everyone
at Kelly Financial. To get a free copy of that guide,
and I urge all of you, if you can do
get it call now eight eight eight eight hundred eighteen
eighty one eight eighty eight eight hundred eighteen eighty one,
or you can actually email Kelly herself personally Kelly at

(47:52):
Kellyfinancial dot org. That's Kelly at Kelly Financial dot org.

Speaker 3 (48:02):
Safe Money Strategies eight eight hundred one eight eight one.

Speaker 4 (48:10):
Every week we like to pause for a moment and
hear a reflection from Bill Kelly. Bill had a wonderful
way of taking us back to the simple moments that
shaped who we are. Family responsibility, and the lessons learned
long before smartphones and screams. In this memory, Bill shares

(48:30):
what life was like growing up at bailey Brook Farm,
from paper routes to a well polished Huffey bike, to
early mornings chickens and the rhythms of a different era.
Here's Bill Kelly.

Speaker 6 (48:47):
A Huffy bike. A Huffy bike, to me, was about
the coolest thing a kid could ever have. When I
was eight, I got a Huffy bike for my paper route,
and I had dual baskets on the back of that,
and I used to polish it just like you'd polish
the finest sports car on earth. To me, it was

(49:09):
everything that bike, and I would use automobile polish on it.
I remember some winter nights, I'd be out on the
porch polishing my huffy bike. I can remember it just
as clearly as it was yesterday, and making sure the
gears were oiled and making sure the brakes worked. If
you could just imagine riding down a snowy street on

(49:31):
a huffy bike, which was back then a three speed bike,
in the middle of winter with one hundred and fourteen papers.
It was very difficult to stop on ice, and what
would happen is the bike would start to go out
from under you and it would go sideways, and you'd
have to try and land on the ground if you
could upright as the bicycle gave way underneath you. And

(49:53):
that was the ultimate problem you had trying to get
one hundred and fourteen papers delivered in the middle of winter.
People don't believe that there was a bailey Brook farm
where I grew up because it seems so out of
sync with what's happening nowadays. The chickens, the dogs, The
lane that led up to our home was an adventure

(50:17):
in itself. We knew every bump in that lane by heart,
and we lived three quarters of a mile from the
main road. If you can believe that I walked to school.
It was exactly a mile and a half, so it
wasn't terrible. But we did that winter, summer, spring, fall, June, September, November.
We didn't take our bicycles. I cannot figure out why

(50:38):
I didn't ride my bicycle to school. And it was
out the door at seven thirty and it was I
I'm home at three thirty, and there were no cell phones.
There were no beepers, there were no texting messages. It
was heading off to school, the school I loved. So
we carried our lunches. We would eat lunch and then
head out for an hour of recess, running around at

(51:02):
the top speed. We could go, raising caine, having fun,
making gangs. Our gangs are a little bit different than
what they call gangs nowadays. Our gangs just meant the
guys we hung around with that recess and played football with.
So that is a bygone era for sure. My older
brother started to sell encyclopedias, and the first thing he

(51:22):
did was sell us a set of encyclopedias, and the
dictionary that came with that thing was about three feet
tall and it had screws in the spine. You screwed
the dictionary together and it was brown. It was like
a leather cover, very very stiff. That dictionary was to
stand down at the front window because you could look

(51:44):
down the lane by the brook and you could see
cars coming, like from a mile away. And if we
were home alone, we had well, the lights would bob
because the road was rocky, wasn't paved, so the bobbing
would tell you how far out they were, so we
would know when our folks were coming home that we
had by the bombing. We'd have like two minutes to clean,

(52:05):
minute and a half, forty five seconds, thirty seconds, and
then sometimes we had to lock the back door. We
never locked it so but if we needed an extra
forty five seconds or a minute to clean, you know,
we would be fine. We'd have that extra time. So
things are different now we have cell phones, tracking devices,
driveway alarms, things like that. I'm a small child. Let's

(52:29):
say I'm three. I slept in the same room as
my grandfather downstairs in the farm off of the kitchen,
and there were two twin beds. I slept in a
crib till age three. The crib had a hinge top.
It was all screen all around the crib, so I
could not escape ladies and gentlemen somewhere around daybreak whenever

(52:50):
it was. If it was five in the morning, for thirty,
I would wake up before anyone in the house. So
let's say I was three, but I had to wait
to reach through that screen. There was a hook and
eye that held me trapped in this crib. So I
would undo the latch and I would open the top
of the crib, and then I would hop out of
the crib. And there was a chair where my grandfather

(53:10):
set his pants and shirt, and I could reach across
with my feet and get onto that chair, and then
i'd let myself down from the crib, and then I
would head out to the kitchen, and there'd be an
enamel top kitchen table, and we had those tubular metal
chairs with the vinyl padded backs for the kitchen table.

(53:31):
But then I would pull that chair across the kitchen
to the counter near the refrigerator, so I could hop
on the chair, hop on the counter, and on top
of the refrigerator was a key inside a dish that
opened the cookie cabinet. So i'd opened the padlock on
the cookie cabinet. I would reach way up there, grab
a couple of cookies, put everything back, put the cookies

(53:51):
on the counter, close the cupboard door, put the pad
lock back on. Lock the padlock, put the key on
top of the ice box. Crawl down on the chair
off of the counter. Then I would move the chair
back to the kitchen table. Then I would go back,
get my cookies off the counter, go back to the bedroom,
go over to the chair, pop up onto the side
and my crib. Climb over the top. Close the top

(54:13):
of the crib, put the hook and eye back on it,
and then I'd sit there and eat my cookies. In
the morning, at nine o'clock, I would get dressed. I'd
be down in the kitchen and my grandfather would be
up making me oatmeal. He would have a cup of
Maxwell House coffee and one teaspoonful of sugar, and he
would have a piece of toast. After breakfast, he would

(54:35):
sit me on the table, tie my shoes, put my
coat upon my shoulders. Maybe if it was winter, I'd
get my mittens and a hat, and he and I
would walk out the door and go down and do
the chickens. Now, he had a wire basket that would
hold about ten dozen eggs, so he would feed the chickens,
and then while the chickens were eating, he would take

(54:56):
the eggs and we'd bring them and store them in
the cellar until Wednesday night, and we would candle the eggs.

Speaker 5 (55:02):
How do you candle an egg?

Speaker 6 (55:04):
You look at an egg and you make sure there's
not a baby chicken in there, and if there is,
you put it aside. If there isn't, you put it
in the egg carton. Then we would bring the eggs
down to the County Food Marty it was called, and
we would turn them into mister Sanchez and he would
give us some money and we would get a credit
and we would go shopping. But the first stop was

(55:25):
Industrial National Bank. My grandfather would make a deposit into
his bank passpoot, and he would come out of the
bank and he would hand my mother a sum of
money and she would take them whatever the egg money
was that was left over, and in doing that she
could support the house, so we had food. She had
extra money. But my life, as far as what I

(55:48):
can remember as a child, the fields, the sunny days,
the winter snowdrifts, the play, the family dinners. It's like
a dream, ladies and gentlemen that I think sometimes I
never lived that life. I just dreamt it, and now
I'm facing a reality that is so challenging. Sometimes I

(56:08):
have to wonder are we.

Speaker 5 (56:10):
Up for this?

Speaker 6 (56:11):
I believe that we are up to it and we
will prevail.

Speaker 3 (56:21):
We're called Kelly Financial Services. Eight eight eight eight hundred
eighteen eighty one.

Speaker 4 (56:27):
I'm Kelly Kelly from Kelly Financial.

Speaker 5 (56:29):
Whether you're in.

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

Speaker 5 (56:54):
We're Kelly Financial.

Speaker 4 (56:55):
Come retire with.

Speaker 3 (56:56):
Us, Save money strategies with William Kelly and Kelly Kelly.
Go to Kelly Financial dot org.