Kelly Financial: Saturday, September 14, 2024

Episode Transcript

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

Speaker 2 (00:20):
Good morning, dear Boston. I'm John Boudris and Kelly Financials
Safe Money Strategies indeed carries on every Saturday morning right
here on WRKO six point eighty on the AM dial
and online from just about anywhere. Well you can hear
it in my voice. It's golden rod season and I
have it the allergies to these little things. If you

(00:43):
ever saw in a microscope what a piece of golden
rod pollen looks like, it looks like a piece of shrapnel,
and there's billions of them in the air, and so
I apologize. You can hear it in my voice. Well,
we have a lot on the show today, much of it,
or least a key part of it tied to the
upcoming election. Well you may have heard about that a

(01:06):
little bit. Only we'll be talking with missus Kelly Kelly Kelly,
the CEO of Kelly Financial, some of the advisors at
Kelly Financial, and we will be right back in a jiffy.
So stick around.

Speaker 3 (01:23):
Safe Money Strategies with John Budrus and Kelly Kelly called
Kelly Financial on eight eight eight hundred, eighteen eighty one.
We'll go to Kellyfinancial dot Org.

Speaker 4 (01:35):
Hi, I'm Kelly Kelly from Kelly Financial Services. In a
recent survey by the American Journal of Managed Care, it
was revealed that older adults have concerns about financial scams, fraud,
and healthcare costs. The country has seen an unprecedented spend
in national healthcare expenses, far outpacing economic growth. With many

(01:56):
older adults on fixed incomes, this has become a central
issue in the upcoming election. Kelly Financial has a free
investor guide called Election Uncertainty. Don't let the election rattle
your retirement outlook. It's reassuring language and solid investment strategies
will help protect your retirement nest egg and bring peace

(02:17):
of mind no matter the outcome.

Speaker 5 (02:19):
In November.

Speaker 4 (02:20):
For the guide or to arrange a free retirement consultation,
call eight eight eight eight hundred eighteen eighty one or
email Kelly at Kellyfinancial dot org.

Speaker 5 (02:30):
We're Kelly Financial. Come retire with us.

Speaker 3 (02:35):
Safe money strategies. Call eight eight eight eight hundred eighteen
eighty one or visit Kellyfinancial dot org. Come retire with us.

Speaker 4 (02:49):
Good morning, dear friends and dear listeners. I'm Kelly Kelly,
and welcome to our show on this fine Saturday morning.
I'm here with my extremely ant some son, William Kelly Junior.

Speaker 5 (03:03):
Good morning, William, Good.

Speaker 6 (03:04):
Morning, my extremely beautiful mother.

Speaker 5 (03:07):
Wow. Thank you.

Speaker 4 (03:08):
Of course we're a little chipper on this Saturday morning.

Speaker 3 (03:12):
We are.

Speaker 6 (03:12):
Good morning to everybody as well. It has been a
good day already.

Speaker 5 (03:17):
Yeah, you've already made the dump run.

Speaker 6 (03:19):
Yes I have.

Speaker 5 (03:20):
That's a normal Saturday morning.

Speaker 6 (03:22):
Thing or weekly dump run.

Speaker 7 (03:23):
Yeh yeah, very important essential to my weekend mine too.

Speaker 6 (03:27):
Well.

Speaker 7 (03:27):
It's been action packed this week. It's not been boring,
that's for sure. Let's get started first to talk about
the debate. The debate was interesting. I decided not to
watch it, but it was such a big deal. I
don't think we can not talk about it.

Speaker 5 (03:40):
Why did you decide not to watch it?

Speaker 7 (03:42):
In all honesty, I feel like it just would have
made my head spin. Every time I watch these debates now,
I just don't gain anything from it keeps me on
the edge of my seat for the election, that's literally
all it does. And all I know is that Kamala
was leading Trump and baiting him, and that she was
just attacking him and Candy valid points and Trump was
just falling for the bait.

Speaker 6 (04:03):
So I just decided not to waste my time and
watch it.

Speaker 5 (04:06):
I think we both know who we're voting for. I agree,
same man that I voted for two times.

Speaker 6 (04:12):
Yep, he will. This will be your first time voting.

Speaker 7 (04:14):
He will be my first vote ever, and hopefully he wins,
because I mean, if Kamala is in office, I don't
think that'll be good. I think a lot of you agree.
If some of you disagree, that's okay. That's why we're
in America. I think the debate. I knew it was
not going to be pretty. I knew some parts were
going to be less serious than others. I knew some
things were not going to be very professional. So I

(04:34):
decided not to waste my time and watch it. And
it turns out I was correct after watching clips and
after talking about it with some people.

Speaker 6 (04:42):
Of course, I know it was rigged in Kamala's favor.

Speaker 4 (04:44):
And you listen to some of Jeff Kohner's show too,
I know as you always did.

Speaker 7 (04:48):
So as far as I know, Kamla would not do
it with Fox News, and she wouldn't do it without
an open mic.

Speaker 6 (04:54):
From what I heard, she would refuse to do.

Speaker 7 (04:58):
Any debates without an open mic, meaning they would ask
a question, turn off the microphone, and then turn it
back on after whenever they'd ask the other opponent their question.

Speaker 6 (05:07):
That's as far as I know. Of course, it was
with CNN, so.

Speaker 7 (05:10):
It's gonna be biased towards Kamala's favor because they love Kamala,
they love Biden, and it's a left wing news station.
Nobody here, I think, is going to play dumb and
think that that's not gonna happen.

Speaker 6 (05:21):
Of course it's going to happen. Of course, it's going
to be in her favor.

Speaker 7 (05:23):
Even if they trying to make it look like it's equal,
it's not gonna be.

Speaker 6 (05:26):
It's just not gonna be.

Speaker 7 (05:26):
And if it was on Fox News it might be
the same way. But in Trump's favor. That's just how
it is. According to Jack Uner's show, he said that
Kamala was given the questions in events. I completely believe that,
especially since she was calm, cool and collected in that case.
That makes a lot of sense because if you are
prepared and your opponent is not, of course you're gonna
have the upper hand. But from other people, Kamala just

(05:50):
had nothing to say really about her administration. It was
more just about attacking Trump. That was the whole point,
and that's the rallying cry for her supporters. If that's
the merit of your higher campaign, I don't think you're
fit to be president.

Speaker 1 (06:02):
You know.

Speaker 7 (06:02):
Look, there's no matter what happens, it'll be fine. We're
going to take care of you. That's all that matters,
because that's the truth of it.

Speaker 6 (06:09):
We've had good presidents, we've had bad presidents, but we
are prepared.

Speaker 5 (06:14):
I agree, William, I agree.

Speaker 4 (06:15):
So let's talk about something else that happened this week.
Oh yes, and it has to do with some of
our clients. And it has something to do with you
making phone calls.

Speaker 6 (06:27):
Uh huh.

Speaker 7 (06:28):
As previously mentioned on last week's show, I decided to
make some calls and I'm still making calls.

Speaker 6 (06:34):
Now.

Speaker 7 (06:35):
Why was I calling people? Why did I decide to
do that? So we've been doing the same style of
events for the past, I don't know, forever. Okay, We've
always had seminars financial talking. There's nothing wrong with that.
I agree.

Speaker 6 (06:46):
Everybody should be financially literate.

Speaker 5 (06:47):
Oh yes, Education's good.

Speaker 6 (06:50):
Entertainment is also good too, And.

Speaker 5 (06:52):
We attract the nicest.

Speaker 6 (06:53):
People, right, and so they deserve all.

Speaker 5 (06:55):
Like minded I would say one.

Speaker 6 (06:58):
Hundred percent yes.

Speaker 7 (07:00):
So I decided to ask people, what do you think
are good ideas for events?

Speaker 6 (07:05):
So?

Speaker 7 (07:05):
What is something that you really like about our events?
If we could change something about our events, what can
we do to make you happier? What is the ideal event?
What is a good idea of an event to you?
Are you happy with our events? These are just some
of the questions that I've been asking our clients, and
the ideas I've been getting have been awesome. Some people
say we should have a movie theater outing. Other people
say we should have a fine wine and dining outing.

(07:26):
But most importantly, what's the ideal event that you think
would be a lot of fun that you would want
to bring a friend to. You go to your financial
advisory firm and they have an event seminar for financial literacy.
Why would you bring a friend to that? It's not
their problem, so why would you bring them? You're less
incentivized to bring a friend, right.

Speaker 4 (07:43):
But some do they have a friend that needs the
information that's separate.

Speaker 6 (07:48):
Yeah, in that case, that's good.

Speaker 5 (07:49):
This is more of appreciation for our clients.

Speaker 6 (07:52):
Yeah, exactly.

Speaker 7 (07:53):
And then you have a fun event and you can
actually bring a friend to and you both can have fun.
It's nice to be able to bring So I've been
getting very good ideas. I'll be calling more of you,
and if you have anything to say, you can always
email me or my mom.

Speaker 6 (08:08):
My email is.

Speaker 7 (08:08):
William Kelly Jr. At Kelly Financial dot org. Or you
can email my mom Kelly at Kelly Financial dot org.
If you get a call from our Burlington office, if
you see at Burlington phone number, that could be me,
so do not hesitate to pick up.

Speaker 4 (08:22):
I have not heard any of your conversations, but I
know it's beyond talking about events. When you speak to
our clients, of course, because you have such a connection
with so many of them, even the clients that you
have not personally met.

Speaker 5 (08:36):
To be able to speak with them live, I know.

Speaker 4 (08:38):
Has been wonderful for you, and I believe for them
as well.

Speaker 6 (08:41):
Everybody's been a joy to talk to.

Speaker 5 (08:43):
This makes this mama happy. That makes me and I'm
very proud of you for wanting to do this.

Speaker 6 (08:48):
Well, we're just making phone calls. That's it.

Speaker 3 (08:50):
Yeah.

Speaker 5 (08:50):
Life is good.

Speaker 6 (08:51):
Life is good.

Speaker 7 (08:52):
So thank you all for being easy on me. Thank
you for listening. I hope everybody's had a great Saturday
morning so far. Enjoy the rest of the show.

Speaker 4 (09:00):
We have some informative segments coming up. Regardless of the
elections outcome. At Kelly Financial, we aim for your retirement
plan to remain robust. If you're pondering over your financial
approach in the light of the presidential race, stay tuned
for today's episode of Safe Money Strategies. Mike du Said

(09:21):
and Charlie Gable will be focused on your retirement plan
and the upcoming election. Mary, Madeline Kelly and Greg Murray
will have a conversation about what does retirement look like
for you. I will be back with John Boudras and
we will also be talking about the election strategies for
overcoming election uncertainty, and as always, some wit and wisdom

(09:46):
from Bill Kelly William. Thank you for chatting with me
this morning. I look forward to next Saturday.

Speaker 6 (09:51):
I love you, honey, I love you too, and that's too.

Speaker 3 (10:00):
Safe Money Strategies brought to you by Kelly Financial Services.
Call eight eight eight eight hundred eighteen eighty one or
go to Kelly Financial dot Org. Come retire with us.

Speaker 8 (10:15):
Do you have a life insurance policy? Do you have
the right coverage. Thinking about life insurance can be hard
since it brings up thoughts about passing away, but planning
ahead can be very reassuring. Life insurance makes sense if
you have debts, support a spouse, need to cover estate taxes,
want to provide an inheritance, or plan to leave a

(10:36):
donation to your favorite charity. Since September is Life Insurance
Awareness Month, now is the time to review your financial goals,
schedule a policy review and determine if you have the
coverage you need. The advisors at Telly Financial can answer
any questions you may have about life insurance and help
you make the best decision for you and your family.

(10:58):
So call eight eight eight eight hundred eighteen eighty one,
set up a free retirement consultation eighty eight eight eight
hundred eighteen eighty one, or email Kelly at Kelly Financial
dot org. That's Kelly at Kelly Financial dot org.

Speaker 3 (11:16):
Safe Money Strategies brought to you by Kelly Financial Services
eight eight eight hundred eighteen eighty one. Good morning, and
welcome to the show.

Speaker 9 (11:27):
You are listening to Safe Money Strategies and my name
is Mike, you said with the twenty twenty four elections
on the horizon, it's time to talk about how future
tax changes could touch those stepping into retirement or those
who've already taken that leap. Tax policies often ride the
waves of political change, and each new administration could change
the rules impacting your spendable income and how far your

(11:50):
retirement funds stretch. Now, looking ahead, we're not just staring
down potential tax hikes. We're up against the national debt
north of thirty four t that's brillion. That's a hefty bill.
That could mean tax is taking a bigger bite in
the future. Here's the good news. You don't have to
be a sitting duck. There are savvy moves you can
make now to help shore up your nest egg against

(12:12):
those potential increases. Today we're going to roll up our
sleeves and dive into the proactive strategies that can help
you stay ahead. It's all about taking charge of your
financial future, and that's the conversation we're having today.

Speaker 10 (12:24):
Good morning. My name is Charlie Gable. Regardless of the
elections outcome, we aim for your retirement plan to remain robust.
If you're thinking about your financial approach in light of
this presidential race. We're at your service. Contact us at
eight eight eight eight hundred one eight eight one, or
explore our website at Kellyfinancial dot org for dedicated advice

(12:45):
and perspective.

Speaker 9 (12:46):
Don't gamble with your economic future, especially during an election year.
Let our knowledge guide you in navigating market trends and
crafting an investment plan. Take the step to help fortify
your retirement schedule consultation today call us at eight eight
eight eight hundred eighteen eighty one. We've also added a
helpful guide titled Election Uncertainty. Don't let the election rattle

(13:09):
your retirement Outlook. Give us a call today to request
your copy, or visit our website at Kelly Financial dot
org to download the pdf. When visiting our website, you'll
want to click on the resources tab at the top
of the page and then Investor Guides. The Election Uncertainty
white paper will be front and center.

Speaker 10 (13:26):
So retirees in particular may find themselves directly impacted by
changes in tax legislation, which can affect the amount of
the retirement distributions, the taxable nature of their Social Security benefits,
as well as the deductions and credits for which they
might be eligible. For those nearing retirement, impending tax changes
can influence decisions about when to retire, how much to

(13:49):
withdraw from retirement accounts, and ways to plan for estate transfers.
It's not only about preserving assets, but also about helping
to ensure the lifestyle you've planned for remains attainable, regardless
of who holds political office. This involves a careful balance
of risk management, tax planning, and staying flexible enough to
adjust to new laws and regulations.

Speaker 9 (14:11):
As the political drum beat quickens, taking proactive steps towards
tax efficient investing, estate planning, and income planning will be
indispensable in working toward a confident financial future that remains
in line with your goals. Irrespective of the election's outcome.
There's plenty of speculation and uncertainty about the upcoming election,

(14:32):
and I was a bit disappointed in Tuesday's presidential debate
because many of the important issues facing the US economy
weren't addressed. I'm still hopeful that as we get closer
to the election, some of the issues will become a
little clearer. Many investors are understandably interested in how policies
of the two major candidates might affect the economy. Will

(14:53):
Kamala Harris or Donald Trump be better for the economy well?

Speaker 10 (14:57):
Vice President Harris has proposed economic policy that include an
expanded child tax credit, bans on price gouging, tax incentives
for first time home buyers, as well as an increase
in the corporate tax rate from the current twenty one
percent up to twenty eight percent. She is also hinted
at raising the long term capital gains tax rate up

(15:17):
to twenty eight percent for those Americans who earn one
million dollars or more, and giving up to fifty thousand
dollars in tax deductions for new small businesses. The former
President Trump wants to reduce corporate tax rates to fifteen percent.
He's proposing tariffs of at least ten percent on all imports,
with tariffs of at least sixty percent on imports from China.

(15:39):
Trump also plans to reduce government regulations to help businesses.
His idea of a massive deportation of illegal immigrants could
have an economic impact as well.

Speaker 9 (15:49):
Switching gears to the Senate, where a third is up
for grabs every two years, in this round is a
curious one. The Republicans are eyeing a slight edge than
not facing a steep climb to stag control, especially when
you look at the state by state breakdown, Dems are
on the defense in a handful of tight spots, while
the GOP isn't sweating any seats in Biden territory. Early

(16:11):
bets are on the Republicans to possibly clinch the Senate
come twenty twenty five.

Speaker 10 (16:16):
Now the House tells a different tale. The GOP has
a razor thin lead, especially after some notable exits. They
didn't quite hit the mark in twenty twenty two, but
history might be in their corner. It's very rare for
the House to flip during a presidential year, but twenty
twenty four that's a wildcard year with new maps that
could tilt the field toward the Democrats. So buckle up.

(16:38):
It's going to be an interesting ride.

Speaker 9 (16:40):
But no matter how the dice roll this November, there's
a raal concern about the perception of election legitimacy. We
might have to face the prospect of a large percentage
of the people on the losing side crying foul in
the fallout. We could be looking at a stretch of
rough waters politically and socially speaking, Maybe even some outbursts
of violence.

Speaker 10 (16:59):
What is this mean for you personally? Well, let's step
back all the election talk and think economy, because at
the end of the day that's going to hit home.
We're talking about your retirement income plan, where to invest,
and most importantly, the amount of taxes you'll pay in
the future. Often when I speak with clients and the
issue of our federal debt or our country's budget comes up,

(17:19):
the discussion usually boils down to its simplest terms. Either
the country is spending too much, well, we are not
taxing the right people enough. While the solution may be foggy,
clearly something is wrong, as is evidenced by our growing
national debt.

Speaker 9 (17:33):
We need to take a quick break, but stay tuned
because Jolly and I will be back later to address
the national debt and its potential impact on your retirement plan.

Speaker 3 (17:45):
Kelly Financial Services eight hundred eighteen eighty one.

Speaker 4 (17:50):
Hi, I'm Kelly Kelly from Kelly Financial. Presidential elections bring
about change and uncertainty, especially when it comes to retirement.
We have a free investor guy called election Uncertainty.

Speaker 5 (18:02):
Don't let the election.

Speaker 4 (18:03):
Rattle your retirement outlook with strategies to help protect your
nest Egg. For the guide or to arrange a free
retirement consultation, Paul eight eight eight eight hundred eighteen eighty one,
or email Kelly at Kellyfinancial dot org.

Speaker 5 (18:17):
We're Kelly Financial. Come retire with.

Speaker 3 (18:20):
Us safe money strategies. Call eight eight eight eight hundred
eighteen eighty one. Well, visit Kelly Financial dot org.

Speaker 6 (18:30):
I have agreed, I.

Speaker 2 (18:31):
Have a great Martin Luther King's words will forever echo
throughout history when it comes to your retirement plans?

Speaker 3 (18:38):
What are your dreams?

Speaker 2 (18:39):
For more than twenty one years, the advisors at Kelly
Financial have helped people just like you convert dreams and
to reality. Don't you deserve the retirement you dream about.
For a free consultation called eight eight eight eight hundred
eighteen eighty one, or visit Kellyfinancial dot org. We're Kelly Financial.
Come retire with us.

Speaker 3 (19:00):
The Money Wrap with Kelly Financial Advisors Greg Murray and
Mary Madeline Kelly.

Speaker 6 (19:07):
Good morning.

Speaker 11 (19:08):
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. How are you
doing today?

Speaker 12 (19:17):
Good morning, Greg, I'm doing great, so today's topic is
probably the most relevant conversation we have with clients every day,
what retirement might look like for them. This answer depends
on several factors, their retirement savings, social security, risk tolerance, health,
economic conditions, and lifestyle preferences. Retirement can mean different things

(19:38):
to different people, and understanding these perspectives can help in
planning effectively.

Speaker 11 (19:42):
I find the sum people look forward to not doing anything.
They see retirement as a time for relaxation and leisure,
whereas on the other hand, some might dread the thought
of not having a schedule a routine. They might want
to keep working for as long as their body will
allow them to, or they might take the opportunity to
seek new adventures and hobbies. Either way, there are important
financial con considerations to take before and during retirement, whatever

(20:03):
that might look like.

Speaker 12 (20:04):
Let's start by diving into the first type of person
you described, the one who wants to focus on relaxation
during retirement. These individuals often look forward to slowing down,
enjoying hobbies, and spending more time with family and friends.
For them, it's important to ensure they have a solid
financial foundation. They should focus on creating a budget that
covers their essential expenses such as housing, healthcare, and daily

(20:27):
living costs, while leaving room for leisure activities.

Speaker 11 (20:30):
Absolutely, they might also want to consider having a diverse
portfolio to provide steady income and protect against market volatility.
Investments in bonds, dived annealing positions, and annuities can provide
reliable income streams.

Speaker 12 (20:42):
And don't forget about the importance of health care planning.
As we age, healthcare costs tend to rise. Having a
comprehensive health care plan, including medicare and supplemental insurance is crucial. Now,
let's talk about individuals who see retirement as an opportunity
for new adventures. These are the people who plan to
travel extents, pursue new hobbies, or even start a new business.

(21:03):
What should they be thinking.

Speaker 11 (21:04):
About For the adventurous retirees, flexibility is key. They need
to ensure they have enough liquidity in their investments to
support their travel and new ventures. It's also important to
have an emergency fund to cover those unexpected expenses.

Speaker 12 (21:15):
These individuals might also benefit from creating a travel budget
and looking into travel insurance. Additionally, if they plan to
start a business, they should have a clear business plan
and understand the financial implications.

Speaker 11 (21:26):
Another group to consider is those who want to continue
working in some capacity. These individuals might not be ready
to fully retire and may prefer to stay active in
their careers or pursue part time work. If that's the case,
it's important to find a balance between work and leisure.
They should consider part time or freelance opportunities that allow
for flexibility. It's also crucial to understand how continuing to
work might impact their social security benefits. Also be aware

(21:49):
that continuing to work doesn't exempt you from taking the
required minimum distributions at age seventy three.

Speaker 12 (21:54):
Lastly, some individuals view retirement as a time to give back.
They might want to volunteer, year mentor or get involved
in their communities. For them, it's essential to have a
solid financial plan in place so they can focus on
their philanthropic efforts without financial stress. They might also want
to consider setting up charitable contributions or donor advised funds.

(22:15):
They can also utilize the qualified charitable distribution method, which
allows them to contribute their r and DS to a
charity without paying any taxes on them.

Speaker 11 (22:23):
Great point in summary, people view retirement in various ways. Relaxation, adventure,
continued work or giving back. Each perspective requires different planning
strategies to ensure a fulfilling and financially secure retirement.

Speaker 12 (22:35):
Exactly so, understanding one's retirement vision is the first step
in creating a plan that aligns with their goals and dreams. Well, Greg,
I think that should wrap things up. Thank you for
your time and expertise. As always, anytime, see you next week,
have great weekend.

Speaker 3 (22:48):
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 12 (23:01):
Hi, I'm Mary Madeline Kelly from Kelly Financial Services.

Speaker 5 (23:05):
Here's a fact.

Speaker 12 (23:06):
Eighty percent of men die married, but eighty percent of
women die single. We understand that women in retirement based
special challenges. We have an investor guide meant to be
read by women and couples alike that aims to help
you plan ahead. It's called Women Retire Too. Call eight
eight eight eight hundred eighteen eighty one or email Kelly
at Kelly Financial dot org to get your free copy.

(23:28):
We're Kelly Financial. Come retire with us.

Speaker 1 (23:31):
Mister garlba jaw tear down this wall.

Speaker 2 (23:34):
We've all heard the phrase hit a wall, but when
it comes to your retirement, you can't afford to hit
a wall. You need to tear it down well before
you hit it. Call Kelly Financial at eight eight eight
eight hundred and eighteen eighty one for a free consultation,
or visit Kelly Financial dot org. Start planning now to

(23:55):
build a clear path for tomorrow. We're Kelly Financial.

Speaker 3 (23:59):
Come retire us safe money Strategies with John Fodris and
Kelly Kelly. Call the team on eight A eight eight
hundred eighteen eighty one.

Speaker 13 (24:10):
I believe that this nation should commit itself achieving the
goal of landing a man on the moon and returning
him safely to the Earth.

Speaker 2 (24:19):
When it comes to your retirement future, what are your goals?
Let Kelly Financials trusted team help you achieve your goals.
For a free no obligation consultation called eight eighty eight
eight hundred eighteen eighty one or visit Kelly Financial dot org.
We're Kelly Financial. Come retire with.

Speaker 3 (24:38):
Us safe money strategies brought to you by Kelly Financial Services.
Call eight A eight eight hundred eighteen eighty one or go
to Kelly Financial dot org. Come retire with us.

Speaker 2 (25:03):
We are back. I'm John Budris, the co host of
Safe Money Strategies, and thanks for joining me again this morning. Well,
you may have heard that there's an election coming up.
Maybe you're wondering will the election affect my retirement, both
in the planning of it and the living of it.
But not to put too fine a point on it,
but Donald Trump and Kamala Harris could not be further

(25:25):
apart in their way of looking at the country and
at all of us. Now, from the get go there
starts in their respective careers. Real estate for Trump and
politics for Harris could not have been more disparate. Trump
got a million dollar loan from his dad in his twenties,
and he paid it back with interest. Kamala Harris, now

(25:46):
kids might be listening in the car, so let me
be a bit circumspect. She got her start in her
late twenties as the mistress of the sixty something married
with children mayor of San Francisco. Now, from then on,
both kept to the same kind of dynamics in these careers.
Trump built things that had to work in every way.

(26:07):
If they didn't work, no one would come to the
hotel or buy the condominium or play a round of golf.
For Trump, his wealth and his success required the voluntary
participation of his customers. If things didn't work, no one
would come and he would suffer the consequences. Not so
for Kamala Harris. She was in the politics of power

(26:30):
and government. She did not have to suffer the consequences
when things broke and didn't work. The power of government
of the state would always bail her out. And she's
not alone in that. I mean, that's what this whole
administration is about.

Speaker 10 (26:45):
Now.

Speaker 2 (26:46):
As a businessman and even as President Trump believes that
you are the best arbiter of how and where to
spend your hard earned resources, your money. That is now,
as a career elite politician, Kamala Harris believes that government
is the best arbiter of how you should spend those

(27:08):
hard earned resources by regulating your life, confiscating your wealth,
and redistributing it to achieve fairness and equity for others.
As she's upfront about that, at least now, make no
mistake about it. Your retirement, how you live it and
how you plan it, or even if you'll have one,
is going to be very different depending upon how this

(27:30):
election turns out. Now to tell us more about what
to consider during this turbulent election season, Let's bring in
Kelly Kelly, the CEO of Kelly Financial. Good morning Kelly,
and is always welcome.

Speaker 4 (27:42):
Good morning, John, Good to be with you on this
Saturday morning.

Speaker 6 (27:47):
Kelly.

Speaker 2 (27:47):
It's no secret that uncertainty headed into a presidential election
can cause economic fluctuations. So it's only natural for people
to worry. What should our listeners do first, if they
have this worry, if they're concerned.

Speaker 4 (28:02):
Well, John, in times of change, it is natural for
people to worry. Although general elections happen every four years,
as we head into this November, it does appear this
one will be one of the more contentious elections in
modern history. But it is important to do your homework
before you head to the voting booth so you can

(28:25):
gain some perspective and not make any panic driven decisions
about your portfolio.

Speaker 2 (28:31):
Well, that's encouraging, Kelly. Even though none of us can
control election results or what the market may do, there
is some science behind understanding election outcomes and voting behavior.
There's a track record.

Speaker 4 (28:45):
There actually, Yes, John, this is where we turn to
the economists for some insight. Did you know that market
strategists actually tend to ignore election polls that will take
a close look at historical trends instead. After studying those,
they add key economic data such as growth rates, wages, unemployment,

(29:10):
and inflation to predict election outcomes. Plus, is important to
remember that regardless of who wins the White House, experts
say that what happens across all three branches of government
can best determine how your retirement accounts are impacted.

Speaker 2 (29:28):
Well, that's a great reminder. So considering the candidates who
have absolutely different plans for us all, what are some
of the things we should keep in mind?

Speaker 4 (29:38):
There are two key retirement planning issues to be mindful of,
changes to tax policies and changes to social security benefits.
The election outcome might affect how you plan your retirement
income strategy around these two issues. In the near future,
tax increases may not seems significant, but in the long

(30:02):
term they could jolt retirement accounts, social Security and medicare premiums.
When it comes to a state taxes, there are several
reforms that could apply to more individuals, but many tax
saving techniques could be curtailed depending on which administration takes

(30:23):
the White House corporate income tax rates could change. This
potential double digit percentage point swing will be felt on
Wall Street and can impact your investments. However, there are
a few things you can do so you don't have
to fall for expensive campaign promises.

Speaker 2 (30:43):
Well, that's good news, Kelly. What tips can you offer.

Speaker 4 (30:46):
Well For starters, Being comfortable with your level of risk
in your portfolio is an important way to protect your
nest egg. Set up retirement income layers that are safe
from economic and market volatility so your lifestyle doesn't go
on a roller coaster ride. But remember that the stock

(31:08):
market has a very strong track record of long term success,
so be patient and don't panic. Make tax minimization moves
on your retirement money while tax rates are lower, and
don't wait until November and hopes the market will be
higher just before or just after the election. If you

(31:31):
are within a few years of retirement and are still concerned,
it may be a good idea to review your financial
strategy to be sure the level of risk in your
portfolio isn't keeping you up at night.

Speaker 2 (31:45):
Again, very reassuring, Kelly. So if folks are looking for
more information to help them overcome election uncertainty, to allay
that anxiety. Where should they go?

Speaker 5 (31:56):
I'm glad you asked.

Speaker 1 (31:57):
John.

Speaker 4 (31:57):
Kelly Financial has a useful investor guide titled Election Uncertainty.
Don't let the election rattle your retirement outlook. It walks
you through the science of predicting voting behavior, how party
differences affect policies, and what actually drives market performance so

(32:18):
you can feel comfortable with your overall retirement strategy. Don't
get caught in the fear of the unknown. A well
constructed financial strategy can give you the confidence no matter
what the future holds.

Speaker 3 (32:33):
Well.

Speaker 2 (32:33):
Thanks as always Kelly for your guidance to make that
complementary appointment with a Kelly advisor for a complete retirement
income analysis called eight eight eight eight hundred eighteen eighty
one or email Kelly at Kellyfinancial dot org. Kelly, that's
all the time we have for this segment. Thanks so
much for joining us. You're listening to Safe Money Strategies

(32:55):
the radio show heard right here on WRKO and streaming
on the iheartapp. We're in our nineteenth year broadcasting, so
thank you for tuning in and stay tuned because we'll
be back just in a moment with more of Kelly
Kelly and our talk about election anxiety.

Speaker 1 (33:11):
By side Sauce Bosside Sauce.

Speaker 3 (33:19):
Kelly Financial Services Braintree and Burlington. Go to Kelly Financial
dot org.

Speaker 4 (33:26):
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.

Speaker 5 (33:39):
More than twenty years now.

Speaker 4 (33:40):
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 Kelly at Kellyfinancial dot org
to set up a free retirement consultation.

Speaker 5 (33:52):
We're Kelly Financial. Come retire with us.

Speaker 3 (33:56):
It's sorry what you're gone, that's important, but it's the
challenge it has been.

Speaker 2 (34:00):
Edmund Hillary said those words after reaching the summit of
Mount Everest. But in climbing, the descent is just as
perilous as the ascent, 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 up?

(34:22):
Must come down. We're Kelly Financial. Come retire with us.

Speaker 3 (34:26):
You're listening to Safe Money Strategies with John Buddriss and
Kelly Kelly, brought to you by Kelly Financial Services. Call
eight eight eight eight hundred eighteen eighty one or go
to Kellyfinancial dot org.

Speaker 2 (34:48):
And we are back. I'm John Budri's co host of
Safe Money Strategies. Thanks for joining me this morning with
my golden rod induced laryngitis, and today we're talking about
the up coming election and how it could impact your
retirement and particularly your retirement planning as we approach November fifth,
The key issue for voters is, of course, the economy.

(35:12):
According to a recent survey, eight and ten that's eighty
percent tells CBS News that the economy is the major
factor in their choice of candidates. They're asking themselves versions
of this question at morning coffee, at lunchtime, and at
the dinner table. Am I better off today than I

(35:32):
was four years ago? Inflation, the cost of living all
are impacting Americans in the most painful way, and many
are worried about a recession, if not a full blown depression.
Should Democrats rule the day? And what we see what
we experience every day. Why would we not be worried,
if not terrified, of this specter. So, as we face

(35:56):
this cliffhanger of an election, the best way to protect
your retirement nest egg is to get educated and to
discuss this further and for some guidance. Let's bring back
Kelly Kelly, CEO of Kelly Financial. Good to have you
back for this segment. Kelly, I hope you had a good, strong,
bracing cup of coffee during the break.

Speaker 5 (36:14):
Good morning, John.

Speaker 2 (36:15):
So let's talk about retirees who are worried about the
economy can actually do. As you know, sometimes it's hard
to separate ourselves from our fears and anxiety when it's
hitting our wallet so directly.

Speaker 4 (36:30):
Of course, it is true that economic issues such as
inflation and a higher cost of living remain a worry
for many of us. However, this can be especially challenging
for retirees when costs outpace their income.

Speaker 2 (36:47):
I imagine you watched the debate earlier this week, didn't you?

Speaker 4 (36:53):
If you watch the recent debate between the two presidential candidates,
you aren't alone if you're uneasy and how it could
all impact your retirement At Kelly Financial, we understand. We
take the time to listen to these concerns and help
our clients take the time to understand their current portfolio.

(37:16):
If they are invested in the stock market, we remind
them to keep volatility in perspective.

Speaker 10 (37:23):
Well.

Speaker 2 (37:23):
Seeing the turbulent market react to an election can certainly
set off warning bells Kelly. But does the outcome of
the election really drive market.

Speaker 4 (37:33):
Corrections It might seem so, John, The truth is that
many things can lead to a market correction. Unfortunately, a
sense of fear about the economy because of negative events
can trigger a sell off, So it's important to look
at the overall picture and be patient. If you have

(37:55):
a financial plan in place, now is the time to
follow it.

Speaker 2 (38:00):
Well, that's sound advice, Kelly. It sounds as if right now,
getting our savings inflation proof is the key part of
the retirement plan.

Speaker 4 (38:08):
While you can't completely get ahead of inflation, some products
with guaranteed payouts, like fixed index annuities, may be able
to help your savings keep up with inflation. It is
best to meet with a financial professional who can assist
you by looking for products that provide diversification and asset

(38:31):
protection so your finances are ready for election day. If
you still have questions, Kelly Financial has a free investor
guide titled Election Uncertainty. Don't let the election rattle your
retirement outlook. It will shed some reassuring light on what
to expect with the economy and the stock market during

(38:52):
an election, so.

Speaker 5 (38:53):
You can be prepared.

Speaker 2 (38:55):
Sounds like a great resource, Kelly. To get this guide,
or to make a complimentary appointment with a Kelly advisor
and discuss your portfolio, called eight eight eight eight hundred
eighteen eighty one or email Kelly at Kelly Financial dot org. Kelly,
I'm afraid to say that's all the time we have now.
Thanks so much for joining me. You're listening to Safe

(39:15):
Money Strategies, the radio show heard right here on WRKO
and streaming on the iHeart app. Stay tuned and we
will be back in just a minute.

Speaker 1 (39:24):
Boss Sauce, bossad Sal.

Speaker 3 (39:33):
Safe Money Strategies with John Boudriss and Kelly Kelly. Go
to Kelly Financial dot org.

Speaker 2 (39:41):
Benjamin Franklin once said, an investment in knowledge pays the
best interest, and that's a good phrase to live by,
because knowledge is power. When it comes to your retirement.
You need a knowledgeable financial partner. Kelly Financial has been
that financial partner for more than twenty one years. Call
eight eight eight eight hundred eight eighty one or visit

(40:01):
Kellyfinancial dot org for a free, no obligation consultation or
see what we know. We're Kelly Financial. Come retire with.

Speaker 3 (40:09):
Us safe money strategies. Call eight eight eight eight hundred
eighteen eighty one or go to Kelly Financial dot org.

Speaker 4 (40:18):
Hi, I'm Kelly, Kelly from Kelly Financial. Presidential elections bring
about change and uncertainty, especially when it comes to retirement.
We have a free investor guide called Election Uncertainty.

Speaker 5 (40:30):
Don't let the election.

Speaker 4 (40:31):
Rattle your retirement outlook with strategies to help protect your
nest egg. For the guide or to arrange a free
retirement consultation, Paul eight eight eight eight hundred eighteen eighty
one or email Kelly at Kellyfinancial dot org.

Speaker 5 (40:45):
We're Kelly Financial.

Speaker 3 (40:47):
Come retire with us safe money strategies brought to you
by Kelly Financial Services. Call eight eight eight eight hundred
eighteen eighty one or visit Kelly Financial dot org.

Speaker 9 (41:00):
Welcome back, you're listening to safe money Strategies. Charlie mentioned
the growing national debt before our break. Currently, the balance
on this giant government credit card exceeds thirty four trillion
and is growing rapidly. The significance of this goes way
beyond that of just another political issue.

Speaker 6 (41:17):
Think of it like this, pitcher.

Speaker 9 (41:19):
Politicians a bit like someone who can't resist a shopping
spree even though their bank account is running low. Every
year they spend way more than they have in the bank.
It's like they're using a national credit card and then
not holding back. Every swipe of this card is adding
to a massive bill, a bill that's now over one
hundred thousand dollars for every single American If you have

(41:41):
a family of three, that's like having a whopping three
hundred thousand dollars tab under your name.

Speaker 10 (41:46):
And imagine every single day the country is spending more
than one point eight billion dollars. But there's a catch.
It's not on improving roads, it's not on schools or healthcare.
It's just the interest on our national debt. Kind of
like paying the minimum on a huge credit card bill
without making a dent in the actual depth.

Speaker 9 (42:05):
There are really only two ways to address this problem,
either spend less or tax more.

Speaker 10 (42:10):
The politicians in Washington never seem to agree as to
what is the best strategy. But here's what we already know.
There is an increase on the horizon for twenty twenty six.
This is because the Tax Cuts and Jobs Act, which
passed back in twenty seventeen before President Biden took office,
put in place substantial tax reductions across various levels and

(42:30):
adjusted the brackets for different income groups. These cuts are
set to expire on December thirty first, twenty twenty five,
unless Congress decides to extend them.

Speaker 9 (42:39):
If the Tax Cuts in Jobs Acts was to sunset
in twenty twenty five, many of you are currently in
the twenty two percent and twenty four percent tax brackets.
That's for couples who are married filing jointly could find
themselves bumped back to the twenty five percent, twenty eight percent,
and even the thirty three percent tax bracket for those
with higher income Those are fairly significant increases. The question

(43:03):
now is whether our legislators will let these tax cuts
laps next year, or if they'll move to increase taxes
even sooner. In any case, it looks like we might
want to brace for a tax rise.

Speaker 10 (43:13):
And this is exactly why the upcoming twenty twenty four
election carries so much weight. A Republican win could mean
an extension of Tax Cuts and Jobs Act, maybe for
perhaps another decade. On the other hand, a Democratic victory
might pivot us back to tax hikes proposed in the
Build Back Better Plan, which ultimately caused quite a stir

(43:34):
in twenty twenty two due to those significant tax increases
it applied for.

Speaker 9 (43:38):
Many Now, considering the looming expiration of the Tax Cuts
and Jobs Act, as well as the alarming growth of
our national debt, we might currently be in a window
of time during which taxes are essentially on sale, and
this might be the best opportunity to turn your taxable
retirement plans into an income tax free roth ira.

Speaker 10 (43:58):
You know, switching your savings from a traditional ira to
a roth iray. It's just like moving your money into
an account that could potentially save you and your loved
ones on taxes down the road. Here are some of
the reasons why it could be an appropriate move, depending
on individual circumstances. With a roth ira, you're not forced
to take money out at a certain age, which allows
your savings to grow tax free for as long as

(44:19):
you like. That could mean more money for your heirs
when you're gone. As long as you know the rules
and follow them, you can take future withdrawals that are
income tax free, and if you pass on a roth
IRA to your kids or grandkids, they won't have to
pay taxes on the money they withdraw from it over
the ten years, which is a sweet deal and keeps
more of your hard earned money in the family.

Speaker 9 (44:39):
If taxes are low now but you think they'll go
up later, moving your money to a WROTH can mean
you pay less today for tax free withdrawals later. If
you are in a lower tax bracket now, then your
kids will be in the future, Converting to a ROTH
could mean they'll inherit the money without getting hit with
high taxes.

Speaker 10 (44:56):
If you happen to have cash dashed outside your IRA,
you could use it to cover the taxes when you
convert to the ROTH. This strategy can move more of
your wealth into an account where it won't be tax
in the future, boosting the value of what you leave behind.
But here's the thing. You've got to be strategic about this.
You might consider converting a little out of time over
several years to manage the tax hit a little better,

(45:18):
especially once you're retired and potentially in a lower tax bracket.
Think about your current tax rate and where you think
taxes are headed. You'll want to time your conversion to
help minimize how much you'll pay in taxes over your lifetime.
The IRS has clear rules on Roth conversions, and following
them is key so your family can get those tax
free withdrawals.

Speaker 9 (45:38):
A roth Ira conversion could be a clever piece of
your retirement planning, giving you tax free growth and more
control over your money. Just make sure you consider how
it fits into your overall financial picture. This move, done wisely,
could be a powerful means to preserve more of your
wealth for you and to pass on to future generations.
So give us a call for a complementary Wroth conversion

(45:59):
analysis to gain a better understanding of how this strategy
might impact your retirement plan.

Speaker 10 (46:04):
If you're unsure about how the upcoming election, the potential
policy changes, or how market shifts might affect your retirement,
don't hesitate to reach out. Schedule a consultation with our
team today by calling us at eight eight eight eight
zero zero one eight eight one Again that's eight eight
eight eight zero zero one eight eight one don't wait

(46:25):
until it's too late. Give us a call, set up
your appointment and let us help you conduct a thorough
retirement review. Let's work together towards your financial future in
these changing times. With that, my name is Charlie Gable.

Speaker 6 (46:35):
And I'm Mike.

Speaker 9 (46:36):
You said, remember to download our latest investor Guide Election Uncertainty.
Don't let the election radially your retirement outlook, and join
us again next week for another installment of safe money Strategies.

Speaker 3 (46:50):
Kelly Financial Services go to Kelly Financial dot org.

Speaker 8 (46:55):
Do you have a life insurance policy? Do you have
the right coverage? Thinking about life insurance can be hard
since it brings up thoughts about passing away, but planning
ahead can be very reassuring. Life insurance makes sense if
you have debts, support a spouse, need to cover estate
tax is, want to provide an inheritance, or plan to

(47:16):
leave a donation to your favorite charity. Since September is
Life Insurance Awareness Month, now is the time to review
your financial goals, schedule a policy review and determine if
you have the coverage you need. The advisors at Kelly
Financial can answer any questions you may have about life
insurance and help you make the best decision for you

(47:37):
and your family. So call eight eight eight eight hundred
eighteen eighty one set up a free retirement consultation 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 3 (47:55):
Kelly Financial Services. Go to Kelly Financial dot org with us.

Speaker 1 (48:04):
It's not time to make a change. Just relax, take at.

Speaker 6 (48:10):
Ease, y'all still and young.

Speaker 5 (48:14):
That's your fault.

Speaker 6 (48:15):
That's so much you have to know.

Speaker 2 (48:18):
Well.

Speaker 14 (48:18):
I was at the house the other day. William was
doing some summer tutoring on his own on his PC
and I went up to chick on him in his
room and he had a small book and I was
about to give him the dickens because he wasn't studying.
I said, William, what have you got there? He said,
I've got a book Dad. It's called Dadisms, and it's
by the way, it's written by Kathy Hamilton. But it's

(48:39):
all the things that our dads say to us and
what they do. And he said, Dad. I started reading it.
I couldn't put it down, so I couldn't really blame him,
but they're so true. What we say to our kids
and what we really mean. And we had certainly had
a lot of our share around our house when I
was a kid, there was a lot of chaos. But
turn off those lights. You think I made of money?

(49:01):
Have you ever heard that? Ladies and gentlemen every day?
Every day? My dad didn't exactly say do you think
I made of money? It was the number of hours
he had to work to do something or to get
something or have something. So we pretty much could measure
things in life by how many hours our dad had
to work to obtain them. I guess it increased the
pain threshold a little bit for us in life and

(49:23):
made us think, well, gee, these things just don't happen.
Let me see there's a couple others. Two wrongs don't
make a right. Well, we know that's true. And our
dad often said that when we were going to set
out to beat up a bully or we were going
to somebody wrote all over our textbook we were going
to go scribble on theirs. No rise and shine. That
wasn't a real popular thing around our house. That wasn't

(49:44):
tough enough around our house. Ladies and gentlemen, Rise and
shine was very often never said more like, if you
don't get out of that bed, I'm gonna dump a
bucket of water on you. That was probably closer to
what we got. It's time to separate the men from
the boys. We probably heard that more from us our
grandfather than my dad. Do your homework, well, that's needless
to say. We heard that a lot. Where were you

(50:06):
raised in a barn? I guess that meant why was
the door open? Where were you raised in a barn?
I don't know how many times they said that? And
are we going to heat the entire neighborhood? We could
never say we're gonna coolly entire n We never had
an air conditioner ever in our house ever. And I
left for the Air Force I was twenty two, there

(50:28):
was still no air conditioners anywhere to be seen, so
no one had to worry about us having unsightly air
conditioners poking out of our farmhouse window. What's so funny?
Wipe that smile off your face, Now, that's a good one.
That's a good one right there. We didn't smile much
when we were getting chewed out, but Dad never really
chewed us out, so it was mom. And Mom probably

(50:49):
had more claim to that saying, and I remember I
ran away and he said this, said Dad, I'm running away.
I was nine. I said, I'm running away and I'm
taking Minnie. Minie was the dog. He said, okay, well,
wish you the best, and if you ever want to
come back, give us a call or just come on back.
So I ran out into a field next to our house.
We had about a twelve acre a bit of land

(51:11):
next to our farm that we owned, and I had
a fort out there. So I took a blanket, Minnie,
my boy scout knapsack, and went out about maybe one
hundred yards from the house in a little grove of
brush and patted everything down, made my fort. And then
round five point thirty, when dinner was served, Dad yelled
out the window, it's dinner time. I remember seeing him

(51:34):
and hearing him, and I stood up. My head was
probably just poking over the brush. I said, I ran away.
You forgot I ran away. I can't eat, so she said, okay,
but we've got meat loaf, so why don't you come
home have some meat loaf, Minnie, You'll get some dog chow,
and then you guys can if you still want to
run away, you can do it, but why not get
a good meal? So I came home at the meat

(51:55):
loaf and completely forgot that I ran away. So obviously
you're getting the idea I was a pretty good guy
and a lot of these dadism do you think I'm
made of money? Well, what's the corollary to then, whenever
I left for a dance, whenever I left for an activity.
After I was twelve, fourteen, sixteen years old, when I
headed out for the Air Force, I had nept to

(52:17):
Boston to get my was it plane at the time.
My dad always had a twenty dollar bill, So he
was the man who wasn't made out of money, but
he was also the man that always made sure we
had a twenty dollar bill in our pockets. Where I
don't know where he got the twenty dollar bill because
there were seven of us in that house at the time.
Originally there were ten, so that's a lot of twenties.

(52:39):
So dadisms just sort of tell you that there are
certain things that happened within a family, and we get
these traditions and you just have to look back on
these little rules of the road, so to speak. Now,
don't let your mother hear you say that that was
kind of a way to let you know. He wasn't
really against what he was saying. Usually that was the
word crap or something, but he wasn't thinking it was

(53:02):
the best thing to be saying for a nine year
old maybe or a twelve year old. But he thought,
it doesn't really bother me that much, but you better
not let your mother hear that. My mother had her
own set of I guess we'll have to call them
momisms because they were more hard core. They've cut to
the bone very quickly, and they made someone like me

(53:24):
change my behavior abruptly, or at least stop my behavior
suddenly and think about it before I proceeded with something
that was irritating my mother because I saw that the
meter was going up. Don't take any wood, Nichols. I
still don't know what that means. But I haven't ever
done that. And at the end, what would he say.

(53:44):
He'd say to me, you're going to be something special someday,
And you know what, he did say that to me,
So I appreciate that. I hope I can do the
same for my son as my dad did for me.
He was always there, never let us down, and he
always had room in his heart to help others, and
he was a great, great family man. So we'll be

(54:06):
right back.

Speaker 1 (54:07):
I know I have to go.

Speaker 3 (54:13):
Safe Money Strategies eight eight eight eight hundred one eight
eight one. Conratire with us.

Speaker 9 (54:21):
Hi.

Speaker 4 (54:21):
I'm Kelly Kelly from Kelly Financial Services. In a recent
survey by the American Journal of Managed Care, it was
revealed that older adults have concerns about financial scams, fraud,
and healthcare costs. The country has seen an unprecedented spend
in national healthcare expenses, far outpacing economic growth. With many

(54:42):
older adults on fixed incomes, this has become a central
issue in the upcoming election. Kelly Financial has a free
investor guide called Election Uncertainty. Don't let the Election rattle
your retirement outlook. It's reassuring language and solid investment strategy
will help protect your retirement nest egg and bring peace

(55:03):
of mind no matter the outcome.

Speaker 5 (55:05):
In November.

Speaker 4 (55:06):
For the guide or to arrange a free retirement consultation,
call eight eight eight eight hundred eighteen eighty one or
email Kelly at Kellyfinancial dot org where Kelly Financial.

Speaker 5 (55:18):
Come Retire with us.

Speaker 3 (55:21):
Safe Money Strategies Call eight eight eight eight hundred eighteen
eighty one, or visit Kelly Financial dot org. Come retire
with us. You're listening to Safe Money Strategies Radio. To
listen to this or any show in its entirety, go
to Kelly Financial dot org and click radio rewind. That's

(55:44):
Kellyfinancial dot org. You're listening to Safe Money Strategies Radio.
To listen to this or any show in its entirety,
go to Kelly Financial dot org and click radio rewind.

Speaker 2 (55:59):
The news breakers come 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

(56:19):
if you're tossing around the idea of relocating or maybe
helping out with your grandchildren's college. You 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 and it's time to retire. In fact,
these adjustments can be the difference of when you can retire,

(56:41):
or in some cases, whether you can retire at all.
So call eight eight eight eight hundred, eighteen eighty one
and raise a toast to your financial future. Eight eight
eight eight hundred, eighteen eighty one. Kelly Financial Services with
offices in Braintreet and Burlington. All Right, see you next week.

Speaker 13 (56:59):
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 is
general in nature and does not intended to be specific investment,
tax or legal advice. It is always advisable to consult
a professional before making a financial decision. The host is
a client of Kelly Financial Services in exchange for hosting

(57:20):
the Safe Money Strategies Show and providing testimonials of his
personal experience as a client of Kelly Financial Services, Kelley
has waived the host's advisory bee in full. Because of
this arrangement with the hosts