Episode Transcript
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Speaker 1 (00:12):
Is coming to us.
Speaker 2 (00:20):
Ladies and gentlemen, Welcome to Safe Money Strategies. I'm 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 thousand and five, our show has remained a Saturday
(01:02):
morning staple, offering insight and empowerment. Here at Kelly Financial,
we help steward over seven hundred million dollars across our
affiliated business, including more than five 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,
(01:26):
advisors Charlie Gable, 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 consultation, visit
(01:46):
Kelly Financial dot org or call us at eighty eight
eight 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 (02:03):
Safe Money Strategies with William Kelly and Kelly Kelly eight
hundred eighteen eighty one.
Speaker 4 (02:17):
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
where I sit down with my son William Kelly Junior,
and we talk about life, what's going on in the world,
in our family, and what really matters most when you're
(02:40):
planning for the future. Sometimes it's light, sometimes is thoughtful,
but it's always real. Good morning, William, how are you.
Speaker 5 (02:49):
Good morning, Mom.
Speaker 2 (02:50):
I'm well on yourself.
Speaker 6 (02:51):
I'm doing great.
Speaker 2 (02:52):
That's fantastic to hear. A lot has been going on,
Ladies and Gentlemen.
Speaker 4 (02:57):
It's been a busy week.
Speaker 2 (02:58):
It always is, it's never not. So among these activities
that have been going on in this busy week, I've
been pring on my lifts, I've been focused on my company,
and I've been focused on the Secret project. Ladies and gentlemen,
If you're a follower of this show, then you understand
exactly when I'm talking. Actually no, you have no idea
(03:19):
what I'm talking about. Nobody knows what I'm talking about,
but you under saying Mom knows, and a handful of
folks know. But this has been a secret for a
long time. However, I've been hinting at it for I
think months now. So here's the deal, Ladies and gentlemen.
You've probably been waiting or just a little curious at
a minimum, I have some excellent news for you. In
(03:39):
about a week, on Friday morning, I'll be announcing this
project on Jeff Cooner's show, And if Jeff is back,
then you'll get to hear us talk. But if Sandy
is still hosting for him, then it'll be Sandy and
I and I will announce it then. So tune in
to WRKO six eighty am at nine to thirty sharp
(04:01):
and I'm thirty sharp and you'll get to hear it.
And if you don't get to catch it, then you
will certainly hear it this Saturday or not, you know,
the following Saturday. So don't worry if you if you're
going to miss it, it's perfectly fine. So I am
so excited. This has been a work in progress for jeez,
I think maybe six months now, right since January. Yeah,
(04:26):
and so I've been working on it since I was eighteen,
and it's been an absolute passion project. A lot of
people have been super helpful here. I'm very excited to
announce it and I am excited for you guys to
also have it as well. So in the meantime you'll
hear more information on how you can acquire this secret
(04:46):
project and how you get to see it yourself. So
more details to come. Just hang on. I know you're
on the edge of your seat, so just wait and
you will receive I'm so excited.
Speaker 6 (05:00):
I am too, William.
Speaker 2 (05:01):
Yeah, So how are things ben Mom. On the family side.
Speaker 4 (05:05):
Well, we have a new addition to our family, a
little puppy named Mellie Kelly.
Speaker 2 (05:12):
Mellie Kelly Lee. Gentlemen, you don't come across a name
like that very often, No, you do not.
Speaker 4 (05:19):
But this little cutie pie was born on the fourth
of July and the breeders they named her Watermelon, and
they called her Melly for short. And Mary Madaline had
a different idea about a.
Speaker 7 (05:35):
Name, Ta Lula Ta Lula, which is cute.
Speaker 4 (05:39):
She was going to call her Lula, but she would
have FaceTime meetings with this puppy as this puppy was growing,
and she came to the conclusion that Melly best fits
this little dog, and that it does te.
Speaker 2 (05:54):
Lula's great Melly is just so much better. Watermelon is
just such a superior dog name. But you know, don't
get me stick it on that. You know, it's Marray
Madeline's dog, and you know, she was saying, I'm gonna
name it whatever I want and her first dog on
my own, that is true, ladies and gentlemen. So hopefully
this dog doesn't run off hopefully Marray Milland remember, yeah,
there was no vote, no votes, no vote.
Speaker 4 (06:15):
Typically we have to vote on the name.
Speaker 2 (06:17):
Yeah, no Marshall. This was a little concerning at first.
Mary Madeline tried to propose a very interesting name from
Marshall for our cat. Our cat. Yes, ma'am, he's such
a beautiful cat. We were in dire straits just figuring
out what do we name this cat, and Mary Manlain
was like, we're gonna name him a little Bill and
Mom and I just thought him. She is not in
(06:40):
charge of him.
Speaker 8 (06:41):
No, Marshall.
Speaker 6 (06:42):
Marshall is his name.
Speaker 2 (06:43):
Yes, it is after.
Speaker 4 (06:44):
My grandfather, your great grandfather on my mother's side.
Speaker 6 (06:48):
Although they're nothing alike, but Marshall. The name fits him.
Speaker 2 (06:52):
It's beautiful.
Speaker 4 (06:53):
My grandfather, your great grandfather. He would love Marshall if
he were still with us on this earth.
Speaker 2 (06:59):
That's true.
Speaker 9 (07:00):
Sure, that's true.
Speaker 2 (07:01):
Yeah, But Marshall is not. He doesn't really. His work
ethic is. He works hard at sleeping, He does a
good job. He pees on her clothes whenever we don't,
I guess we're not.
Speaker 6 (07:11):
Don't even bring that up, William.
Speaker 2 (07:12):
Yeah, I know. It's it's like a it's a down
It kind of is. But you know what, he's just
so adorable that we forgive him and most of the time, and.
Speaker 4 (07:23):
Well, he knows how to get our attention.
Speaker 7 (07:24):
If he is unhappy.
Speaker 2 (07:26):
Yeah, that's true, that's true. He definitely if the service
isn't quite as exquisite as he deserves, then he'll he'll
inform us to punishment.
Speaker 8 (07:34):
That is a that is a fact.
Speaker 2 (07:36):
But I'm sure Marray Madalin is going through all the
wildness of the puppy life that Murray Madalin's going through.
The sleep deprivation. It's like getting a baby. When you
have a baby and when the stork drops the baby off,
it's just you're working overtime. Oh yeah, you're just you're not.
Speaker 4 (07:50):
I think her first night, she got her last Sunday
night and that night.
Speaker 6 (07:57):
Good thing.
Speaker 4 (07:57):
There was no work the next day because little Mally
woke up at two and then six.
Speaker 2 (08:07):
Cutest dog on planet earth's just a teddy bear of
a dog, same breed as the Kooner's dog, I believe.
Fun fact. Anyways, that's a little bit of what's going
on in life.
Speaker 4 (08:18):
Do keep us on your dial. We've got a lot
of great content coming your way.
Speaker 5 (08:22):
Mike.
Speaker 4 (08:22):
Do sat and Greg Workman will show you how to
turn confusion into confidence with simple, safe strategies to protect
your emergency cash and create reliable retirement income. Mary, Madeline
Kelly and Greg Murray. We'll focus on financial fears, some
common money anxieties caller share and how to tackle them.
(08:45):
I will be back with William and we'll talk about
simple brain boosting habits you can build into everyday life,
and how lifelong learning keeps both your mind and your
money working for you. 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.
Speaker 6 (09:08):
That's a wrap for forever.
Speaker 4 (09:09):
Young thank you for listening, and William, thank you for
joining me.
Speaker 2 (09:13):
Stay with us.
Speaker 6 (09:14):
We'll be back with more content. William, I love you.
Speaker 5 (09:17):
Honey, I love you Umu.
Speaker 10 (09:28):
I'm John Boudris and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly, who today tests time time.
Speaker 9 (09:38):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree twenty years ago? When's the second best
time to plant a tree tomorrow today, whenever you can
get to it. That's the next best time.
Speaker 10 (09:54):
There's no time like the present to begin saving, planning,
and enjoying retirement. Download our consumer guide simply called a
Happy Retirement and find six secrets of how you can
spend your time to cultivate happiness and a retirement well lived.
Go to Kelly Financial dot Org or call eight eight
(10:15):
eight eight hundred eighteen eighty one to spend some time
with one of our financial advisors.
Speaker 9 (10:20):
Time, ladies and gentlemen, it's not too late.
Speaker 10 (10:23):
We are Kelly Financial. Come retire with.
Speaker 3 (10:25):
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.
Speaker 2 (10:40):
Come retire with us.
Speaker 11 (10:43):
Okay, my friends, let me tell you about Kelly Financial Services.
Speaker 5 (10:47):
Folks.
Speaker 11 (10:47):
Saving money isn't flashy, but you know what is freedom
peace of mind. So if you're heading into retirement without
an emergency fund, you're asking for trouble life. Will you
with roof re fairs, medical bills, car breakdowns, and if
you're not ready, that stress can crush you. That's why
(11:08):
you need to reach out to Kelly Financial Services. They
have helped thousands of people retire with confidence and they
can help you as well. Their free investor guy, Don't
let healthcare expenses derail your retirement, tells you exactly what
Medicare covers, what it doesn't, and how to plan for
those rising costs like prescriptions, long term care, dental and vision.
(11:31):
No fluff, just straight talk, real strategies to protect what
you've worked so hard for.
Speaker 8 (11:38):
So call now eight eight eight eight.
Speaker 11 (11:41):
Hundred eighteen eighty one ask for your free copy today,
or email Kelly at Kelly Financial dot org.
Speaker 8 (11:49):
Kelly at Kelly Financial dot org.
Speaker 5 (11:53):
Hello, what Mike you said?
Speaker 1 (11:54):
Chief Operating officer at Kelly Financial Services, and you are
listening to save money strategies where you have financial future
should be built on wisdom.
Speaker 5 (12:03):
Not worry.
Speaker 1 (12:03):
I'm joined by one of our investment advisors.
Speaker 5 (12:06):
Greg Workman.
Speaker 12 (12:07):
We are here every week to help turn confusion into confidence.
Simple strategies can be very smart decisions.
Speaker 1 (12:15):
Today we're talking about your emergency cash stash, your emergency fund.
It's money set aside to cover unexpected expenses or financial surprises.
Speaker 12 (12:25):
Think of it as a financial safety net that helps
you weather life storms without relying on credit cards or
high interest loans.
Speaker 1 (12:34):
One of the top questions we get is how much
should I have in my emergency fund?
Speaker 12 (12:38):
And right behind that comes what do I do with
money above and beyond that amount?
Speaker 1 (12:45):
The answer starts with your personal situation. Every household is different,
and that's why we begin with our Safe Money Strategies workbook.
Speaker 12 (12:53):
That process tackles the big questions, how much do I
need to retire?
Speaker 8 (12:58):
How long will my money life last?
Speaker 12 (13:01):
When should I claim Social Security retirement benefits? What are
my tax efficient strategies? And how do I prepare for
health care and the cost of long term care throughout retirement.
Speaker 1 (13:16):
When those questions are answered, people experience rail reassurance Exactly.
Speaker 12 (13:22):
Retirement planning is more than saving a pile of money.
It's about taxes, health, longevity, and income, and ultimately about
confidence and comfort that things will be okay.
Speaker 1 (13:36):
So how much should you keep in your emergency fund?
Our process looks closely at monthly expenses and how those
expenses change over time. Mortgages, student loans and other big
costs eventually drop off, which affects your future cash flow.
Speaker 12 (13:52):
Once we know your expense picture and your asset base,
we can guide you, but broadly. Today financial professionals recommend
six to twelve months of living expenses, with more being
better if you can afford it.
Speaker 1 (14:08):
The cushion protects you from surprise car or home repairs,
unexpected medical costs, or even helping your kids or grandkids
in a crisis.
Speaker 12 (14:17):
It also protects you from having to sell investments in
a down market. That buffer can be the difference between
staying on track and locking in losses.
Speaker 1 (14:27):
Well said, in short, your emergency fund provides freedom and flexibility,
freedom from ari and flexibility in how you draw and
tax your income.
Speaker 12 (14:38):
Of course, six to twelve months of expenses is a
big chunk of money. The question is should you invest
it or keep it liquid at the bank.
Speaker 1 (14:48):
Most advisors US included say safety and liquidity come first.
Don't put emergency money in the stock market or volatile assets.
Speaker 5 (14:57):
But that doesn't mean it has to sit idle.
Speaker 12 (14:59):
That's right. Better choices include high yield savings accounts with
FDIC protection and money market funds for stability and liquidity,
or laddered CDs that offer just a bit more yield.
Speaker 1 (15:13):
With the Federal Reserve likely to low interest rates, those
options may not look as attractive in the near future,
so for retirees or those with larger reserves, we recommend
a balanced approach.
Speaker 12 (15:27):
The balanced approach maintains the first three to six months
of expenses in cash or high yield savings account for
immediate access. Then for the remaining portion, we have a
unique conservative investment solution that targets a baseline yield of
five to seven percent, and it's designed to keep your
(15:47):
money working without sacrificing too much safety if the market
goes down.
Speaker 1 (15:53):
We're talking about an investment option. It is important to
note that every investment carries risk, and income investing is
no exception. Clients need to understand the potential downsides, such
as the possibility of dividend cuts or interest rate fluctuations.
Speaker 5 (16:08):
If you're comfortable embracing.
Speaker 1 (16:10):
A little bit of risk, then a conservative income strategy
can be the key to smooth, steady and reliable returns
on your money.
Speaker 5 (16:18):
We'll pause here for a quick break.
Speaker 1 (16:19):
When we return, we'll take a deep dive into how
investing in an income portfolio can be a strategic move
for various financial goals, especially for those seeking regular cash
flow that beats inflation.
Speaker 3 (16:35):
Kelly Financial Services eight eight hundred eighteen eighty one. I
believe that this nation should commit itself achieving the.
Speaker 4 (16:44):
Goal of landing a man on the Moon and returning
him safely to the.
Speaker 10 (16:49):
Earth six five four three two one zero All engine rue.
Remember those Apollo Moon missions one of America's greatest adventures
and achievements too. The nation set a goal and then
(17:09):
realized it. What are your goals? At Kelly Financial Services,
We've got the right team and technology to help launch
your retirement planning. Let us help you set and reach
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kellyfinancial dot org. Where do you
(17:32):
want to land?
Speaker 13 (17:33):
Within tangualitibay here being go have landed.
Speaker 10 (17:37):
We are Kelly Financial Services. Come retire with us.
Speaker 3 (17:41):
The money Wrap with Kelly Financial Advisors Greg Murray and
Mary Madeline Kelly.
Speaker 8 (17:48):
Hello.
Speaker 13 (17:49):
This is Greg Murray, Senior Vice President and Chief Compliance
Officer at Kelly Financial Services. Join me today is Mary
Madeline Kelly, one of our wealth advisors. How are you
doing today? Hi?
Speaker 7 (17:59):
Greg, I'm doing great. Thanks for asking.
Speaker 14 (18:02):
I am proud to say I am now a mother
to a little puppy named Mally. We've had our first
week together and it's just it's gone great. She's such
a sweetheart and has such a bubbly, fun loving personality.
Speaker 13 (18:14):
She is adorable and I'm happy that I got to
meet her on Thursday. Office dogs are seriously the best.
Speaker 7 (18:20):
They should be a requirement in my opinion.
Speaker 13 (18:22):
Today, we're diving into something that everybody has, and not
everyone likes to talk about their financial fears.
Speaker 14 (18:28):
I don't think I've ever met someone who doesn't have
at least one money worry. It might be a retirement,
it might be the stock market, or even just the
idea of debt piling up.
Speaker 13 (18:38):
Let's start with the biggest one we hear all the time,
Will I run out of money in retirement? That fear
keeps a lot of people up at night, and honestly,
with folks living longer and health care costs going up,
it's not unreasonable exactly.
Speaker 14 (18:50):
Retirement these days can last twenty five or even thirty years.
That's a long time to stretch your savings, and it's
natural to wonder if it's enough. The fear is real,
but it's also manageable.
Speaker 7 (19:01):
With the right plan.
Speaker 13 (19:02):
Another common one is fear of the stock market. We've
had clients tell us Greg, I don't want to retire
and watch my portfolio tank the very next year.
Speaker 2 (19:09):
And I get that.
Speaker 13 (19:10):
We've all seen those.
Speaker 14 (19:11):
Headlines, right. And debt is another fear that weighs heavily.
Whether it's credit cards, student loans, or even a mortgage.
People worry that they'll never dig themselves out, and that
can feel overwhelming.
Speaker 13 (19:23):
But here's the thing. Fear itself isn't always bad. It's
like your financial smoke alarm. It's there to alert you
that something needs attention. I love that analogy. The trouble
comes when the alarm is going off constantly. That's when
people feel paralyzed and don't take action. That's where planning
comes in. It quiets the alarm because you've got a
clear path forward. So let's talk solutions for the retirement
(19:45):
fear running out of money. What we should do is
build income for life projections. That essentially is a roadmap
showing you how much income you can expect year after year,
adjusted for inflation.
Speaker 14 (19:55):
And when people actually see those numbers in black and white,
the fear usually saw they realized that they might be
in better shape than they thought. And if there's a gap,
well then you know what adjustments you need to make
now before it's too late.
Speaker 13 (20:09):
On the stock market side, the best antidote for fear
is diversification. If all your eggs are in one basket,
of course you're nervous. But if you've got a mix
of stocks, bonds, and maybe some guaranteed income products, suddenly
you're not watching CNBC every night in panic mode.
Speaker 14 (20:23):
And debt fears, that comes down to strategy, snowball versus avalanche,
payoff methods, refinancing options, even just automating your payments. It's
amazing how small consistent steps can chip away at what
feels like a mountain.
Speaker 13 (20:37):
You know, I think about that client we saw a
few years ago was losing sleep over whether she could
afford to keep traveling in retirement. She was picturing herself
stuck at home clipping coupons forever.
Speaker 14 (20:47):
Oh yes, I remember her too, And once we ran
her numbers, she realized she could not only afford travel,
but she also had enough cushion to take her grandkids
to Disney every couple of years.
Speaker 7 (20:57):
That fear turned into excitement.
Speaker 13 (20:59):
That's a perfect example knowledge replaces fear with confidence.
Speaker 14 (21:04):
Absolutely, and I'll say this to our listeners. If you've
got financial fears, whether it's retirement markets, debt, or just
that little nagging voice that says, am I doing enough?
Speaker 7 (21:15):
Know that you're not alone.
Speaker 13 (21:17):
And more importantly, don't let fear paralyze you. Work with
a professional, put a plan in place, and give yourself
permission to sleep better at night.
Speaker 14 (21:24):
That's exactly what we do every day at Kelly Financial.
Help families replace financial fear with financial freedom.
Speaker 13 (21:31):
Nicely said. And on that note, that wraps it up
for today. Enjoy the rest of your weekend with Mellie.
Speaker 7 (21:36):
Thank you, Greg, I will and I'll see you next week.
Speaker 3 (21:39):
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 10 (21:53):
I'm John Boudris, and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 9 (22:04):
You can always make money if you haven't if you
lose it all, It's very difficult to do that. So
you have to have a plan if the market goes
up quite a bit or down quite a bit. You
have to be ready and how do you sort fact
from fiction?
Speaker 10 (22:17):
Download Kelly Financial's Consumer Guide, simply called the Value of
an Objective Opinion. With so much at steak with your
retirement future, you don't just want any financial advice, but
objective financial advice, and as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org
(22:40):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 9 (22:44):
Ladies and gentlemen, sort fact from fiction.
Speaker 10 (22:47):
We are Kelly Financial Services. Come retire with.
Speaker 3 (22:50):
Us Safe Money Strategies with William Kelly and Kelly Kelly.
Call the team on eight eight eight hundred, eighteen eighty one.
Speaker 5 (23:02):
And we're back.
Speaker 2 (23:09):
Always good to be with you again. For those of
you who are just joining us, this is Safe Money Strategies.
For twenty two years now, we've been helping families all
across New England protecting grow their retirement savings. I'm William
Kelly Junior here with our CEO and my mom, Kelly Kelly.
Thank you.
Speaker 6 (23:23):
William.
Speaker 4 (23:24):
Is always a pleasure to be here with you and
of course with our listeners. Whether you've been tuned in
since the top of the hour or you're just catching
us now, we're certainly glad you're with us.
Speaker 2 (23:37):
So today we're talking about something a little different but
really important. Why lifelong learning and mental wellness matter and retirement.
Speaker 6 (23:46):
That's right.
Speaker 4 (23:47):
When most people think retirement, they immediately think numbers, savings,
social security taxes, investments. But true retirement readiness isn't just
about the balance sheet. It's about staying healthy, staying engaged,
and keeping your mind sharp.
Speaker 2 (24:08):
Exactly because let's face it, a strong portfolio won't meet
a whole lot if someone feels isolated or stagnant. The
research is clear, folks ustamentally sharp and emotionally engaged are healthier, happier,
and often more independent for longer. Retirement isn't just about
adding years to your life. It's about adding life to
(24:28):
those years.
Speaker 4 (24:30):
That's such a key distinction, William. A good retirement plan
is about the whole person, not just the wallet. Financial
stability gives you the freedom to invest in your well being,
whether that's through new hobbies, continued learning, or being part
of a community. Independence, confidence and purpose are every bit
(24:55):
as valuable as financial.
Speaker 2 (24:57):
Security, and when you look at seniors who a the best,
who stay sharp and active, they usually share some common habits.
Lifelong learning is at the top of that list, but
it's not the only one that's right.
Speaker 4 (25:12):
The full picture includes regular physical activity, mindfulness practices like
prayer or meditation, healthy eating, staying socially connected, embracing technology,
and yes, getting enough rest. And there's balance, which really
(25:32):
ties it all together.
Speaker 2 (25:34):
Balance is key because if you focus on just one
piece and neglect the others, something's missing. You could be
exercising your brain but ignoring your body, or you could
be out socializing constantly but running yourself ragged without proper rest.
It's about weaving these things together, exactly.
Speaker 4 (25:54):
And the beauty of it is these habits aren't extreme,
simple everyday practices that over time can make a dramatic
difference in memory, in independence, and in your quality of life.
Speaker 2 (26:11):
Let's drill down on one that's really transformative, lifelong learning,
because it's not just about keeping busy, it's about staying
purposeful right.
Speaker 4 (26:22):
And lifelong learning doesn't have to mean going back to school,
though some retirees do just that. It can be as
simple as exploring an online course or listening to a
podcast or dropping into a workshop at your local library.
Each new skill is like exercise for the brain.
Speaker 2 (26:44):
The brain really is like a muscle. It needs challenges
to stay strong, and learning doesn't have to be formal.
Even small daily practices build resilience absolutely.
Speaker 4 (26:55):
Crossword puzzles, word searches or a good book can sharpen
folks us. Journaling or writing letters not only spark creativity,
but also preserve memories for your family.
Speaker 2 (27:08):
And writing especially, it helps process thoughts and emotions. Plus
down the road, your kids and grandkids get to look
back at your reflections. That's a legacy.
Speaker 6 (27:19):
That's right.
Speaker 4 (27:20):
And when you're engaged in these kinds of activities, you
gain confidence. That confidence encourages you to stay social, try
new things, and keep stretching yourself.
Speaker 2 (27:34):
And let's not forget some retirees go big. They finish degrees,
pick up a master's program, or tackle a subject they've
always loved.
Speaker 4 (27:43):
Yes, and many others pursue smaller but equally meaningful goals
like painting a class, a cooking workshop, or joining a
book club. Travel can be a form of education too.
Every new culture, every new place teaches something.
Speaker 2 (28:00):
So where does all of this fit into retirement planning
Honestly right at the center at Kelly Financial, we believe
a retirement plan shouldn't be.
Speaker 6 (28:09):
Just about covering your bills.
Speaker 4 (28:11):
It should help support the life you want to live.
Speaker 6 (28:15):
That might mean planning for.
Speaker 4 (28:16):
Tuition for a class, a budget for travel, or even
extra funds for books and hobby supplies.
Speaker 2 (28:23):
Because lifelong learning is one of the best ways to
stay healthy, fulfilled, and happy in retirement.
Speaker 6 (28:30):
And that's why we want to offer you a resource.
Speaker 4 (28:34):
It's called Six Secrets to a Happy Retirement and is
filled with practical ideas to help you thrive, whether it's
lifelong learning, building connections, or embracing new adventures. When you
combined financial security with personal fulfillment, you don't just have
(28:54):
a safe retirement, you have a meaningful one.
Speaker 2 (28:58):
This guide is about giving you to it to keep
growing and moving forward. To request your free copy and
a schedule complimentary consultation with our team, give us a
call at eight eight eight eight hundred one eight eight
one or email us at Kelly at Kellyfinancial dot org.
Speaker 4 (29:14):
Stay with us because when we come back, we'll break
down the difference between formal and informal learning, highlight the
practical benefits and show how your retirement plan can make
it all possible.
Speaker 2 (29:28):
You're listening to Save Money Strategies heard right here on
WRCO every Saturday morning, and don't forget.
Speaker 4 (29:35):
You can catch previous shows anytime on our radio. Rewind
at Kellyfinancial dot org or stream us on the iHeart app.
Speaker 2 (29:45):
Thanks for tuning in. We'll be right back.
Speaker 3 (29:50):
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 (30:00):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation, called eight eight eight eight hundred eighteen
(30:23):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with.
Speaker 3 (30:29):
Us Safe Money Strategies with William Kelly and Kelly Kelly.
Call the team on a eight eight hundreds eighteen eighty one.
Speaker 2 (30:39):
Gang in there. Welcome back to Safe Money Strategies. Whether
you've been with us since the start of today's program,
or you're just tuning in. We're glad you're here. I'm
William Kelly Jr. Alongside my mom and our CEO, Kelly Kelly.
Together we've been talking about ways to protect your savings
and enrich your retirement.
Speaker 4 (31:00):
It's always great to be back with you, William and
with our listeners every Saturday at Kelly Financial. We believe
in two powerful principles, family values and financial knowledge.
Speaker 2 (31:14):
Earlier we touched on habits that help retirees stay sharp.
Now we want to look at the real life benefits
of lifelong learning, why it matters, and how it can
transform not only your retirement years, but your health, your relationships,
and even your outlook on life.
Speaker 6 (31:31):
That's right, William.
Speaker 4 (31:32):
Lifelong learning isn't just about classrooms or textbooks. Is the
ongoing pursuit of knowledge and skills, things that spark curiosity
and bring joy For retirees. This can mean anything from
trying out new recipes to learning photography to attending a
(31:53):
local history lecture. Every new experience keeps the mind active.
Speaker 2 (31:58):
And it's not about credentials. It's about curiosity. Every new
skill adds another layer of engagement and purpose to your life.
Speaker 4 (32:08):
Some people return to school, others take certificate courses or
online classes, but informal learning counts to community workshops, faith
based groups, book clubs, or even mentoring the next generation.
Speaker 2 (32:24):
And mentoring is powerful. Teaching reinforces what you know while
giving you the joy of helping someone else grow exactly.
Speaker 4 (32:33):
Learning doesn't just expand your knowledge. It strengthens your social connections.
It gives you a reason to get up, get out,
and be part of something bigger than yourself.
Speaker 2 (32:45):
Plus, there are real health benefits. Studies show lifelong learning
improves memory, focus, and creativity. It helps keep your mind adaptable,
something that matters as the world changes around us.
Speaker 4 (33:00):
And it goes even deeper than that. Research shows that
when you challenge your brain with new learning, you actually
build what's called cognitive reserve. That's a buffer that helps
protect against memory loss and conditions like Alzheimer's. The brain
works like a muscle. The more you use it, the
(33:20):
stronger and more resilient it becomes.
Speaker 2 (33:24):
That's powerful. Just like exercising your body, you have to
exercise your mind, and when you do, you're protecting not
just your knowledge, but your independence and your confidence. In
daily life.
Speaker 4 (33:38):
Absolutely. Many retirees tell us that setting small learning goals
prevents boredom and brings rhythm back into their weeks. And
when you stay mentally engaged, you often remain physically independent
longer too.
Speaker 2 (33:54):
That's right. Lifelong learning is really an investment in well
being financial planning, except this time you're investing in your mind,
in your spirit.
Speaker 6 (34:04):
And those two go hand in hand.
Speaker 4 (34:07):
A strong financial foundation gives you the freedom to explore,
to travel, to take classes, or just to pick up
a new hobby without worry.
Speaker 2 (34:17):
We can't forget the emotional benefits either. Lifelong learning combats
isolation and creates community right in.
Speaker 4 (34:25):
When you join a group, attend a class, or even
learn something new with a friend, you create bonds that
keep loneliness at bay and strengthen your sense of belonging.
Speaker 2 (34:36):
That sense of belonging is crucial. Retirement is a big
life transition, and without something meaningful to step into, it's
easy to feel a drift. But learning provides identity. You're
not just retired, you're a student, a mentor a creator exactly.
Speaker 4 (34:54):
And when your identity is strong, your emotional health benefits,
and that in turn supports your physical and mental health.
Speaker 6 (35:03):
It's all connected, you.
Speaker 8 (35:05):
Know, Mom.
Speaker 2 (35:06):
I think about Dad here too.
Speaker 4 (35:08):
Yes, William, your dad was such an example of lifelong learning.
He was endlessly curious. You never know what he'd get
focused on next. It might be sparked by a conversation
with a client, something he read, or even just an
idea that popped into his head, and once it caught
his attention, he would dive in. He'd do the research,
(35:30):
turn it over in his mind, and before long he
was weaving that knowledge into daily life. His mind was
always moving, always searching, and I think that curiosity kept
him sharp, kept him young.
Speaker 2 (35:45):
I remember that, and it's such a good reminder for
all of us. You don't have to be in a
classroom to keep being a lifelong learner. You just need
a willingness to keep asking questions and exploring.
Speaker 4 (35:58):
That's right, and that mindset is something anyone can adopt
at any age.
Speaker 2 (36:04):
Of course, balance is key. Lifelong learning is most powerful
when it's part of a bigger picture, alongside exercise, good nutrition, rest,
social tize, and mindfulness.
Speaker 4 (36:18):
Exactly, if you only focus on study and neglect your body,
you'll feel it. And if you're always busy socially, but
don't give yourself quiet time.
Speaker 6 (36:28):
You'll feel that too.
Speaker 4 (36:29):
Balance makes learning joyful and sustainable.
Speaker 2 (36:33):
At the end of the day, lifelong learning deserves a
spot at the center of retirement planning. A good plan
doesn't just cover expenses, it creates space for enrichment.
Speaker 4 (36:45):
That's why it Kelly Financial. Our advisors look beyond the
numbers will help you think about how your retirement budget
can support not just your basic needs, but your goals
for learning, travel, hobbies, and new experiences.
Speaker 2 (37:01):
If you're serious about weaving lifelong learning into your retirement,
you'll want tools that support both your mind and your money.
Speaker 4 (37:08):
That's why we're offering our free investor guide, Six Secrets
to a Happy Retirement. It includes strategies that go beyond finances,
ways to stay curious, engaged, and fulfilled in this stage
of life.
Speaker 2 (37:24):
To get your copy and schedule complimentary consultation with a
Kelly Financial advisor, call eighty eight eight hundred one eight
eight one. You can also email us at Kelly at
Kelly Financial dot org.
Speaker 4 (37:36):
Retirement is more than a financial destination is a new
chapter for growth, purpose, and discovery.
Speaker 2 (37:45):
And that's what lifelong learning is all about.
Speaker 6 (37:48):
Well Paul's here, but don't go anywhere.
Speaker 2 (37:50):
Stay tuned.
Speaker 4 (37:51):
More great voices and insights are coming up on safe
money strategies.
Speaker 2 (37:57):
You're listening to Safe Money Strategies right here on WRCO
every Saturday morning and streaming anytime on the iHeart app.
We'll be back with more after this.
Speaker 6 (38:10):
I'm Kelly Kelly from Kelly Financial.
Speaker 4 (38:12):
Is your financial advisor a fiduciary? In other words, are
they legally required to act in your best interest? My
complimentary book, Retire Your Fear, Plan Your Future explains what
a fiduciary is and will help you understand if an
advisor is really putting you first. For the book, call
eight eight eight eight hundred and eighteen eighty one or
(38:34):
email Kelly at Kellyfinancial dot org.
Speaker 6 (38:36):
We're Kelly Financial. Come retire with us.
Speaker 1 (38:41):
We're back Mike Ducet, chief Operating Officer at Kelly Financial Services,
and I'm joined by Greg Workman, one of the trusted
financial advisors on our staff. Greg, coming into the break,
we introduced a unique conservative investment solution that targets a
baseline yield of five to seven percent, designed to keep
your money working without sacrificing too much safety. That type
(39:04):
of solution is music to the airs of conservative minded
investors that want to maximize yield on their cash stash
in the face of highly probable nan term fed cuts,
which is sure to make CDs and high yield savings
account less attractive. Greg, what does the investment look like,
(39:24):
what makes it unique, and how has it performed this year?
Speaker 12 (39:28):
As with all of our investment allocations, our approach to
portfolio construction starts with a goal, because as you progress
through different phases of life, so should your portfolio.
Speaker 1 (39:41):
Great point, take two investors, each with a twenty year timeline.
One is working in still an accumulation mode, so there's
salking way money as the paychecks keep coming in, and
the other just stepped into retirement and is beginning to
draw down their portfolio.
Speaker 12 (39:58):
In accumulation, you're better off stocking up on equities or stocks.
In distribution mode. The winning investment strategy is the one
that drives steady income.
Speaker 1 (40:11):
Let's use an analogy that drives the point home to
fund cash flow needs in retirement. Would you rather buy
vacant land and sell off parcels until you run out
of land, or would you rather buy an apartment building
and live off regular, steady and predictable rent checks.
Speaker 12 (40:29):
An investment portfolio that drives income through regular dividend distribution
is the equivalent of owning the apartment building. In our
income offering, most all of the dividends are paid on
a monthly basis.
Speaker 1 (40:44):
The term mailbox money is often used to describe dividends
because they represent a passive income stream for investors, much
like receiving a regular check in the mail.
Speaker 5 (40:54):
Markets go up and markets go.
Speaker 1 (40:56):
Down, but those dividend dollars keep rolling in no matter
what direction the market travels. Greg shed some light on
our income solution.
Speaker 12 (41:04):
First off, Kelly Financial is a fiduciary. Why is that
important to our clients? Because we're not tied or obligated
to work with any single vendor or group of vendors
due to proprietary relationships. In fact, we have many relationships
with large institutional partners, some of which are household names
(41:27):
and some are specialists and smaller boutique firms. We leverage
those relationships to structure investment portfolios that maximize returns for
our clients.
Speaker 1 (41:38):
The current iteration of our income portfolio contains a diversified
mix of seventeen to eighteen exchange traded funds or ETFs
that are selected not only for the overall quality, but
for the a unique ability to drive above average dividend yields.
Speaker 12 (41:52):
An ETF or exchange traded fund is a basket of
investments like socks or bonds that trades on the stock exchange.
When those underlying investments pay income or dividends, the ETF
collects it and passes it on to investors as dividend distributions.
Suppose you own one hundred shares of a popular ETF,
(42:16):
like an S and P five hundred index. The ETF
collects dividends from companies like Apple, Coca Cola, and Johnson
and Johnson. At the end of the quarter, the ETF
pays you fifty cents per share. You receive fifty dollars
in dividends. Pretty easy, pretty straightforward, which our clients appreciate.
Speaker 5 (42:35):
We've had very positive feedback from our clients.
Speaker 1 (42:38):
They love the fact that not only is the income
strategy predictable, but it is conservative in nature. For example,
this year, when the S and P five hundred was
down nineteen percent from its high, our conservative income portfolio
is down approximately just two percent.
Speaker 12 (42:53):
Markets are volatile, We know they go up and they
go down. In fact, ten percent drops are common.
Speaker 8 (43:01):
They happen more often than they don't.
Speaker 12 (43:03):
Since nineteen eighty, the S and P five hundred has
averaged an inter year drop of fourteen percent each year,
according to a study by JP.
Speaker 1 (43:12):
Morgan and that volatility can be the enemy of regular
withdrawals in our industry. It has a name dollar cost ravaging,
which refers to what happens when lower yielding assets may
require selling principle, when the market moves against you.
Speaker 12 (43:27):
That is an excellent point, Mike, to revisit the vacant
land versus the apartment example you offered earlier. Imagine having
to sell off vacant land when the real estate market
is down and no one wants to buy it. That
could be a losing formula unless the market rebounds in
your favor and quickly markets go down.
Speaker 8 (43:48):
It's a fact.
Speaker 12 (43:49):
If you're relying on your nest egg for monthly income
and your allocation is a traditional, conservative, moderate, or growth
oriented mix of investments, then pulling out funds when the
market is down can feel like your money is taking
five steps back to take one step forward.
Speaker 8 (44:05):
That in itself can be unsettling.
Speaker 2 (44:07):
To say the least.
Speaker 1 (44:08):
Most of us have worked hard to save a nest
egg for a reason. In the absence of a good
sized pension payment to complement social Security, most of us
fund the gap with regular distributions from.
Speaker 5 (44:19):
That IRA four oh one K or four or three
B account.
Speaker 1 (44:23):
If you have the same stale allocation in place, the
timing of stock market volatility can be a significant factor
impacting the success of your retirement distribution strategy.
Speaker 12 (44:34):
At its most extreme, significant could mean the difference between
running out of money and retirement or having a meaningful legacy.
Speaker 8 (44:42):
For your children and grandchildren.
Speaker 1 (44:44):
Our portfolio target's a regular dividend of five to six
percent and a total return of six to eight percent
year in and year out.
Speaker 5 (44:53):
In the best part, we're doing it with minimal ups.
Speaker 1 (44:55):
And downs along the way, which allows our clients to
sleep well at night. They're taking a small fraction of
the risk of the overall SMP five hundred.
Speaker 12 (45:04):
A distribution strategy and retirement is just as important as
the saving strategy you followed while you were working. Saving
is about building the nest egg. Retirement is about turning
that nest egg into a steady paycheck.
Speaker 5 (45:18):
It's what we do every day.
Speaker 1 (45:19):
At Kelly Financial, our clients know where their retirement paychecks
come from, and that is peace of mind.
Speaker 12 (45:25):
This confidence allows them to focus on enjoying retirement instead
of worrying about money.
Speaker 1 (45:31):
If you'd like to learn more, give us a call
at eight eight eight eight hundred eighteen eighty one or
visit us online at Kelly Financial dot org. We'd love
to hear your questions and help you find the confidence
you deserve. Thank you for joining us on this week's
installment of Safe Money Strategies.
Speaker 5 (45:47):
With that, I'm Mike.
Speaker 1 (45:48):
Ducett and I'm Greg Workman. Be sure to join us
next week for more safe money strategies.
Speaker 11 (45:58):
Joining us now, as she always does at this time,
the co founder, CEO, president of Kelly Financial Services, and yes,
that is her wonderful name, Kelly Kelly Kelly, How are you.
Speaker 2 (46:18):
Good morning, Jeff, I am good.
Speaker 4 (46:21):
You know, retirement isn't just about money. It's really about
living with purpose, staying sharp, and continuing to grow. One
of the most powerful ways to do that is through
lifelong learning, because it keeps you engaged and looking forward.
That's why at Kelly Financial we continue to offer our
(46:44):
complimentary guide called six Secrets to a Happy Retirement. It's
been very popular with your listeners, Jeff, and inside you'll
find practical tips for staying healthy, building connections, embracing adventure
and lifelong learning. Is filled with a few simple, proven
(47:04):
ways to make your retirement not only secure, but also
meaningful and truly fulfilling, and that's what so many people
are hoping for in their future. To get your free
copy or to speak with one of our Kelly advisors,
just give us a call or email us at Kelly
Kelly Financial dot org. Our visit our website at Kellyfinancial
(47:28):
dot org for our radio rewind Jeff, have a wonderful weekend,
My best of Grace and the kiddos.
Speaker 11 (47:35):
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 eighty eight hundred eighteen eighty
one eight eighty eight hundred eighteen eighty one, or you
can actually email Kelly herself personally Kelly at Kellyfinancial dot org.
Speaker 8 (48:00):
That's Kelly Kelly Financial dot org.
Speaker 3 (48:07):
Safe Money Strategies A eight eight hundred one eight eight.
Speaker 4 (48:13):
One Each week we like to close our show with
the wit and wisdom of Bill Kelly. Today, Bill takes
us back to his childhood, when Thursday nights meant grocery trips,
chicken money, and long talks with his grandfather Tim Murphy.
(48:33):
You'll hear about the lessons learned at the family dinner table,
the laughter of old television shows, and the values passed
down through stories, songs, and even tap dancing in the
living room. It's a heartfelt reminder of family, of tradition
and the bonds that keep us young.
Speaker 6 (48:54):
Here's Bill Kelly.
Speaker 9 (48:58):
Now, as time went on, I got older, started to
have a paper route, I caddied, I washed dishes, I
cooked in a restaurant on Saturdays at a golf course.
And as I got older, so did my grandfather. It
was a fact that I wouldn't say depressed me, but
I knew that, you know, my grandfather was much older
(49:18):
than my parents, and I knew that, you know, he
was sixty one years older than me. So naturally that
meant I was going to someday witness his demise. But
on those trips back from the grocery store when we
would trade in the eggs, my grandfather had a running
joke with me. He would buy the food, fill up
(49:40):
the station wagon. He would put a site of money
to pay the feed bill. He would hand me an
envelope with whatever money was left over, and he would say,
give this to your mother, who was naturally driving the
Chevy station wagon. And I used to feel very proud
as if he and I had made this money by
(50:02):
raising these chickens. And I could in fact hand my
mother the fruits of our labor so she could run
the house.
Speaker 2 (50:10):
And that was fun.
Speaker 9 (50:12):
And we would stop at Industrial National Bank, which was
laid a fleet and now Bank of America on our
way home, and my grandfather would deposit money into a
savings accountant he had there. So that was how it
went on Thursdays. And as I grew older and into
high school, we would have less and less time to
(50:34):
spend together. I certainly couldn't help anymore with the chickens.
My grandfather approached his eighties and we would sit on
Thursday nights watch television. We would have a great deal
of fun doing that. We loved the old Dean Martin show.
There was a show about a protective called Harry Oh.
(50:55):
We used to like to watch Red Skeleton on Tuesday nights,
and it was pretty good television. But along the way
in doing that, we could talk with each other about
pressing problems in my life and things that were on
our minds. So I was very fortunate to have that
wealth of experience which my grandfather had, and he was
(51:15):
happy to relay onto me the important things in life.
And the subject of nursing homes used to come up
quite a bit, probably once or twice a year, and
my grandfather always said he definitely could never deal with
a nursing home. But we had a very large family,
(51:37):
twenty two cousins, so that meant twenty two grandchildren for
my grandfather, and that meant there was always something going on.
A christening, a first communion, a confirmation, birthdays, all kinds
of Christmas dinners, Easter dinners. There's always something happening, and
(51:58):
there was always something to keep our eye on the
growth of our family, the progress that people made, and
how proud everyone was about what they were doing, their work,
their schooling. So it definitely kept my grandfather young in
doing this because having to be involved with so many
young people, especially when the great grandchildren started to come along,
(52:22):
that was pretty exciting. So between the weddings and the
christenings and the birthdays and all of the holidays, it
was a terrific time. Every Saint Patrick's Day, of course,
was a huge holiday in my family life. And we
(52:43):
of course Saturday Sundays with Church Day, Saturday Night was
beans and Franks Lawrence Welk, so our lives were pretty
much planned. But I think the fact that my grandfather
did much of the cooking, a lot of the laundry,
and much of the mentoring in our family care tim
very young, even though it was chaotic. I'm sure I
(53:04):
cannot imagine ten people sitting down at a dinner table
at night, but they say after the first six it
doesn't really matter to make a dinner for ten people
every day of the week. And on Sundays, my mom
used to always invite one of my aunts or uncles,
so he had a huge dinner table in our house.
(53:24):
I still have the head chair where my grandfather sat.
It's a beautiful mahogany chair. You can see it in
my office when you come in to visit with me.
And I have that chair where he used to sit
with me. It was in front of a picture window
looking over about fifteen acres of the farm with a
(53:45):
road or a lane that led down to the main road.
And my grandfather Tim Murphy would sit in that chair
with me for hour upon hour upon hour. He would
tell me poems, he would sing me songs, he would
tell me stories. Sometimes he'd sit me in this chair.
He'd get up and tap dance and sing some of
(54:05):
the old vaudeville songs, and it was fun. The poems
were the village Smitty and you know, the village Blacksmith
and those types of poems. He could do patriotic songs,
he could sing George mcohen songs. And he knew a
lot of things about life. But he was sure of
one thing, and that one thing he was sure about
(54:29):
was he didn't want to be confined to a nursing home. Ever.
He was a big man, about six foot to two
hundred and twenty pounds and the strongest human being I've
ever known. And my son William has a lot of
characteristics of my grandfather Murphy. They're very similar in their
(54:50):
attitudes about a lot of things, and they're both My
son's going to be a very big man too, his
chest as huge as hands and feet. Everyone remarks about
how big they are. So we were very close and
the things that we did together were both fun and enriching,
and it was a great way to grow up for
a young child.
Speaker 3 (55:14):
I'm called Kelly Financial Services eight eight eight hundred eighteen
eighty one.
Speaker 6 (55:20):
I'm Kelly Kelly from Kelly Financial. Whether you're in your sixties, seventies.
Speaker 4 (55:24):
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 balance portfolio. For
the guide, call eight eight eight eight hundred eighteen eighty
one or email Kelly at Kellyfinancial dot org.
Speaker 6 (55:46):
We're Kelly Financial. Come retire with us.
Speaker 3 (55:50):
Save money strategies with William Kelly and Kelly Kelly. Go
to Kelly Financial dot org.
Speaker 10 (55:58):
The newsbreak is coming up 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 health,
care or if you're tossing around the idea of relocating
(56:20):
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 when it's time to retire.
In fact, these adjustments can be the difference of when
you can retire, or in some cases, whether you can
(56:40):
retire at all. So call us at eight eight eight
eight hundred, eighteen eighty one, or visit us at Kelly
Financial dot org and raise a toast to your financial future.
Eight eight eight eight hundred, eighteen eighty one Kelly Financial
Services with offices in Braintreet and Burlington. All Right, see
you next week.
Speaker 15 (56:59):
Opinion 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 is not intended to be specific. Investment,
tax or legal advice. It is always advisable to consult
a professional before making a financial decision. The host is
a client of Kelly Financial Services. In exchange for hosting
(57:20):
the Safe Money Strategies Show and providing testimonials of his
personal experience as a client of Kelly Financial Services, Kelley
has waive the host's advisory v in full. Because of
this arrangement, where the host receives compensation in the form
of a fee waiver, the host has an incentive to
recommend Kelly Financial Services, resulting in a material conflict of interest.
Is coming to us.
Speaker 2 (00:20):
Ladies and gentlemen, Welcome to Safe Money Strategies. I'm 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 thousand and five, our show has remained a Saturday
(01:02):
morning staple, offering insight and empowerment. Here at Kelly Financial,
we help steward over seven hundred million dollars across our
affiliated business, including more than five 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,
(01:26):
advisors Charlie Gable, 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 consultation, visit
(01:46):
Kelly Financial dot org or call us at eighty eight
eight 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 (02:03):
Safe Money Strategies with William Kelly and Kelly Kelly eight
hundred eighteen eighty one.
Speaker 4 (02:17):
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
where I sit down with my son William Kelly Junior,
and we talk about life, what's going on in the world,
in our family, and what really matters most when you're
(02:40):
planning for the future. Sometimes it's light, sometimes is thoughtful,
but it's always real. Good morning, William, how are you.
Speaker 5 (02:49):
Good morning, Mom.
Speaker 2 (02:50):
I'm well on yourself.
Speaker 6 (02:51):
I'm doing great.
Speaker 2 (02:52):
That's fantastic to hear. A lot has been going on,
Ladies and Gentlemen.
Speaker 4 (02:57):
It's been a busy week.
Speaker 2 (02:58):
It always is, it's never not. So among these activities
that have been going on in this busy week, I've
been pring on my lifts, I've been focused on my company,
and I've been focused on the Secret project. Ladies and gentlemen,
If you're a follower of this show, then you understand
exactly when I'm talking. Actually no, you have no idea
(03:19):
what I'm talking about. Nobody knows what I'm talking about,
but you under saying Mom knows, and a handful of
folks know. But this has been a secret for a
long time. However, I've been hinting at it for I
think months now. So here's the deal, Ladies and gentlemen.
You've probably been waiting or just a little curious at
a minimum, I have some excellent news for you. In
(03:39):
about a week, on Friday morning, I'll be announcing this
project on Jeff Cooner's show, And if Jeff is back,
then you'll get to hear us talk. But if Sandy
is still hosting for him, then it'll be Sandy and
I and I will announce it then. So tune in
to WRKO six eighty am at nine to thirty sharp
(04:01):
and I'm thirty sharp and you'll get to hear it.
And if you don't get to catch it, then you
will certainly hear it this Saturday or not, you know,
the following Saturday. So don't worry if you if you're
going to miss it, it's perfectly fine. So I am
so excited. This has been a work in progress for jeez,
I think maybe six months now, right since January. Yeah,
(04:26):
and so I've been working on it since I was eighteen,
and it's been an absolute passion project. A lot of
people have been super helpful here. I'm very excited to
announce it and I am excited for you guys to
also have it as well. So in the meantime you'll
hear more information on how you can acquire this secret
(04:46):
project and how you get to see it yourself. So
more details to come. Just hang on. I know you're
on the edge of your seat, so just wait and
you will receive I'm so excited.
Speaker 6 (05:00):
I am too, William.
Speaker 2 (05:01):
Yeah, So how are things ben Mom. On the family side.
Speaker 4 (05:05):
Well, we have a new addition to our family, a
little puppy named Mellie Kelly.
Speaker 2 (05:12):
Mellie Kelly Lee. Gentlemen, you don't come across a name
like that very often, No, you do not.
Speaker 4 (05:19):
But this little cutie pie was born on the fourth
of July and the breeders they named her Watermelon, and
they called her Melly for short. And Mary Madaline had
a different idea about a.
Speaker 7 (05:35):
Name, Ta Lula Ta Lula, which is cute.
Speaker 4 (05:39):
She was going to call her Lula, but she would
have FaceTime meetings with this puppy as this puppy was growing,
and she came to the conclusion that Melly best fits
this little dog, and that it does te.
Speaker 2 (05:54):
Lula's great Melly is just so much better. Watermelon is
just such a superior dog name. But you know, don't
get me stick it on that. You know, it's Marray
Madeline's dog, and you know, she was saying, I'm gonna
name it whatever I want and her first dog on
my own, that is true, ladies and gentlemen. So hopefully
this dog doesn't run off hopefully Marray Milland remember, yeah,
there was no vote, no votes, no vote.
Speaker 4 (06:15):
Typically we have to vote on the name.
Speaker 2 (06:17):
Yeah, no Marshall. This was a little concerning at first.
Mary Madeline tried to propose a very interesting name from
Marshall for our cat. Our cat. Yes, ma'am, he's such
a beautiful cat. We were in dire straits just figuring
out what do we name this cat, and Mary Manlain
was like, we're gonna name him a little Bill and
Mom and I just thought him. She is not in
(06:40):
charge of him.
Speaker 8 (06:41):
No, Marshall.
Speaker 6 (06:42):
Marshall is his name.
Speaker 2 (06:43):
Yes, it is after.
Speaker 4 (06:44):
My grandfather, your great grandfather on my mother's side.
Speaker 6 (06:48):
Although they're nothing alike, but Marshall. The name fits him.
Speaker 2 (06:52):
It's beautiful.
Speaker 4 (06:53):
My grandfather, your great grandfather. He would love Marshall if
he were still with us on this earth.
Speaker 2 (06:59):
That's true.
Speaker 9 (07:00):
Sure, that's true.
Speaker 2 (07:01):
Yeah, But Marshall is not. He doesn't really. His work
ethic is. He works hard at sleeping, He does a
good job. He pees on her clothes whenever we don't,
I guess we're not.
Speaker 6 (07:11):
Don't even bring that up, William.
Speaker 2 (07:12):
Yeah, I know. It's it's like a it's a down
It kind of is. But you know what, he's just
so adorable that we forgive him and most of the time, and.
Speaker 4 (07:23):
Well, he knows how to get our attention.
Speaker 7 (07:24):
If he is unhappy.
Speaker 2 (07:26):
Yeah, that's true, that's true. He definitely if the service
isn't quite as exquisite as he deserves, then he'll he'll
inform us to punishment.
Speaker 8 (07:34):
That is a that is a fact.
Speaker 2 (07:36):
But I'm sure Marray Madalin is going through all the
wildness of the puppy life that Murray Madalin's going through.
The sleep deprivation. It's like getting a baby. When you
have a baby and when the stork drops the baby off,
it's just you're working overtime. Oh yeah, you're just you're not.
Speaker 4 (07:50):
I think her first night, she got her last Sunday
night and that night.
Speaker 6 (07:57):
Good thing.
Speaker 4 (07:57):
There was no work the next day because little Mally
woke up at two and then six.
Speaker 2 (08:07):
Cutest dog on planet earth's just a teddy bear of
a dog, same breed as the Kooner's dog, I believe.
Fun fact. Anyways, that's a little bit of what's going
on in life.
Speaker 4 (08:18):
Do keep us on your dial. We've got a lot
of great content coming your way.
Speaker 5 (08:22):
Mike.
Speaker 4 (08:22):
Do sat and Greg Workman will show you how to
turn confusion into confidence with simple, safe strategies to protect
your emergency cash and create reliable retirement income. Mary, Madeline
Kelly and Greg Murray. We'll focus on financial fears, some
common money anxieties caller share and how to tackle them.
(08:45):
I will be back with William and we'll talk about
simple brain boosting habits you can build into everyday life,
and how lifelong learning keeps both your mind and your
money working for you. 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.
Speaker 6 (09:08):
That's a wrap for forever.
Speaker 4 (09:09):
Young thank you for listening, and William, thank you for
joining me.
Speaker 2 (09:13):
Stay with us.
Speaker 6 (09:14):
We'll be back with more content. William, I love you.
Speaker 5 (09:17):
Honey, I love you Umu.
Speaker 10 (09:28):
I'm John Boudris and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly, who today tests time time.
Speaker 9 (09:38):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree twenty years ago? When's the second best
time to plant a tree tomorrow today, whenever you can
get to it. That's the next best time.
Speaker 10 (09:54):
There's no time like the present to begin saving, planning,
and enjoying retirement. Download our consumer guide simply called a
Happy Retirement and find six secrets of how you can
spend your time to cultivate happiness and a retirement well lived.
Go to Kelly Financial dot Org or call eight eight
(10:15):
eight eight hundred eighteen eighty one to spend some time
with one of our financial advisors.
Speaker 9 (10:20):
Time, ladies and gentlemen, it's not too late.
Speaker 10 (10:23):
We are Kelly Financial. Come retire with.
Speaker 3 (10:25):
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.
Speaker 2 (10:40):
Come retire with us.
Speaker 11 (10:43):
Okay, my friends, let me tell you about Kelly Financial Services.
Speaker 5 (10:47):
Folks.
Speaker 11 (10:47):
Saving money isn't flashy, but you know what is freedom
peace of mind. So if you're heading into retirement without
an emergency fund, you're asking for trouble life. Will you
with roof re fairs, medical bills, car breakdowns, and if
you're not ready, that stress can crush you. That's why
(11:08):
you need to reach out to Kelly Financial Services. They
have helped thousands of people retire with confidence and they
can help you as well. Their free investor guy, Don't
let healthcare expenses derail your retirement, tells you exactly what
Medicare covers, what it doesn't, and how to plan for
those rising costs like prescriptions, long term care, dental and vision.
(11:31):
No fluff, just straight talk, real strategies to protect what
you've worked so hard for.
Speaker 8 (11:38):
So call now eight eight eight eight.
Speaker 11 (11:41):
Hundred eighteen eighty one ask for your free copy today,
or email Kelly at Kelly Financial dot org.
Speaker 8 (11:49):
Kelly at Kelly Financial dot org.
Speaker 5 (11:53):
Hello, what Mike you said?
Speaker 1 (11:54):
Chief Operating officer at Kelly Financial Services, and you are
listening to save money strategies where you have financial future
should be built on wisdom.
Speaker 5 (12:03):
Not worry.
Speaker 1 (12:03):
I'm joined by one of our investment advisors.
Speaker 5 (12:06):
Greg Workman.
Speaker 12 (12:07):
We are here every week to help turn confusion into confidence.
Simple strategies can be very smart decisions.
Speaker 1 (12:15):
Today we're talking about your emergency cash stash, your emergency fund.
It's money set aside to cover unexpected expenses or financial surprises.
Speaker 12 (12:25):
Think of it as a financial safety net that helps
you weather life storms without relying on credit cards or
high interest loans.
Speaker 1 (12:34):
One of the top questions we get is how much
should I have in my emergency fund?
Speaker 12 (12:38):
And right behind that comes what do I do with
money above and beyond that amount?
Speaker 1 (12:45):
The answer starts with your personal situation. Every household is different,
and that's why we begin with our Safe Money Strategies workbook.
Speaker 12 (12:53):
That process tackles the big questions, how much do I
need to retire?
Speaker 8 (12:58):
How long will my money life last?
Speaker 12 (13:01):
When should I claim Social Security retirement benefits? What are
my tax efficient strategies? And how do I prepare for
health care and the cost of long term care throughout retirement.
Speaker 1 (13:16):
When those questions are answered, people experience rail reassurance Exactly.
Speaker 12 (13:22):
Retirement planning is more than saving a pile of money.
It's about taxes, health, longevity, and income, and ultimately about
confidence and comfort that things will be okay.
Speaker 1 (13:36):
So how much should you keep in your emergency fund?
Our process looks closely at monthly expenses and how those
expenses change over time. Mortgages, student loans and other big
costs eventually drop off, which affects your future cash flow.
Speaker 12 (13:52):
Once we know your expense picture and your asset base,
we can guide you, but broadly. Today financial professionals recommend
six to twelve months of living expenses, with more being
better if you can afford it.
Speaker 1 (14:08):
The cushion protects you from surprise car or home repairs,
unexpected medical costs, or even helping your kids or grandkids
in a crisis.
Speaker 12 (14:17):
It also protects you from having to sell investments in
a down market. That buffer can be the difference between
staying on track and locking in losses.
Speaker 1 (14:27):
Well said, in short, your emergency fund provides freedom and flexibility,
freedom from ari and flexibility in how you draw and
tax your income.
Speaker 12 (14:38):
Of course, six to twelve months of expenses is a
big chunk of money. The question is should you invest
it or keep it liquid at the bank.
Speaker 1 (14:48):
Most advisors US included say safety and liquidity come first.
Don't put emergency money in the stock market or volatile assets.
Speaker 5 (14:57):
But that doesn't mean it has to sit idle.
Speaker 12 (14:59):
That's right. Better choices include high yield savings accounts with
FDIC protection and money market funds for stability and liquidity,
or laddered CDs that offer just a bit more yield.
Speaker 1 (15:13):
With the Federal Reserve likely to low interest rates, those
options may not look as attractive in the near future,
so for retirees or those with larger reserves, we recommend
a balanced approach.
Speaker 12 (15:27):
The balanced approach maintains the first three to six months
of expenses in cash or high yield savings account for
immediate access. Then for the remaining portion, we have a
unique conservative investment solution that targets a baseline yield of
five to seven percent, and it's designed to keep your
(15:47):
money working without sacrificing too much safety if the market
goes down.
Speaker 1 (15:53):
We're talking about an investment option. It is important to
note that every investment carries risk, and income investing is
no exception. Clients need to understand the potential downsides, such
as the possibility of dividend cuts or interest rate fluctuations.
Speaker 5 (16:08):
If you're comfortable embracing.
Speaker 1 (16:10):
A little bit of risk, then a conservative income strategy
can be the key to smooth, steady and reliable returns
on your money.
Speaker 5 (16:18):
We'll pause here for a quick break.
Speaker 1 (16:19):
When we return, we'll take a deep dive into how
investing in an income portfolio can be a strategic move
for various financial goals, especially for those seeking regular cash
flow that beats inflation.
Speaker 3 (16:35):
Kelly Financial Services eight eight hundred eighteen eighty one. I
believe that this nation should commit itself achieving the.
Speaker 4 (16:44):
Goal of landing a man on the Moon and returning
him safely to the.
Speaker 10 (16:49):
Earth six five four three two one zero All engine rue.
Remember those Apollo Moon missions one of America's greatest adventures
and achievements too. The nation set a goal and then
(17:09):
realized it. What are your goals? At Kelly Financial Services,
We've got the right team and technology to help launch
your retirement planning. Let us help you set and reach
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kellyfinancial dot org. Where do you
(17:32):
want to land?
Speaker 13 (17:33):
Within tangualitibay here being go have landed.
Speaker 10 (17:37):
We are Kelly Financial Services. Come retire with us.
Speaker 3 (17:41):
The money Wrap with Kelly Financial Advisors Greg Murray and
Mary Madeline Kelly.
Speaker 8 (17:48):
Hello.
Speaker 13 (17:49):
This is Greg Murray, Senior Vice President and Chief Compliance
Officer at Kelly Financial Services. Join me today is Mary
Madeline Kelly, one of our wealth advisors. How are you
doing today? Hi?
Speaker 7 (17:59):
Greg, I'm doing great. Thanks for asking.
Speaker 14 (18:02):
I am proud to say I am now a mother
to a little puppy named Mally. We've had our first
week together and it's just it's gone great. She's such
a sweetheart and has such a bubbly, fun loving personality.
Speaker 13 (18:14):
She is adorable and I'm happy that I got to
meet her on Thursday. Office dogs are seriously the best.
Speaker 7 (18:20):
They should be a requirement in my opinion.
Speaker 13 (18:22):
Today, we're diving into something that everybody has, and not
everyone likes to talk about their financial fears.
Speaker 14 (18:28):
I don't think I've ever met someone who doesn't have
at least one money worry. It might be a retirement,
it might be the stock market, or even just the
idea of debt piling up.
Speaker 13 (18:38):
Let's start with the biggest one we hear all the time,
Will I run out of money in retirement? That fear
keeps a lot of people up at night, and honestly,
with folks living longer and health care costs going up,
it's not unreasonable exactly.
Speaker 14 (18:50):
Retirement these days can last twenty five or even thirty years.
That's a long time to stretch your savings, and it's
natural to wonder if it's enough. The fear is real,
but it's also manageable.
Speaker 7 (19:01):
With the right plan.
Speaker 13 (19:02):
Another common one is fear of the stock market. We've
had clients tell us Greg, I don't want to retire
and watch my portfolio tank the very next year.
Speaker 2 (19:09):
And I get that.
Speaker 13 (19:10):
We've all seen those.
Speaker 14 (19:11):
Headlines, right. And debt is another fear that weighs heavily.
Whether it's credit cards, student loans, or even a mortgage.
People worry that they'll never dig themselves out, and that
can feel overwhelming.
Speaker 13 (19:23):
But here's the thing. Fear itself isn't always bad. It's
like your financial smoke alarm. It's there to alert you
that something needs attention. I love that analogy. The trouble
comes when the alarm is going off constantly. That's when
people feel paralyzed and don't take action. That's where planning
comes in. It quiets the alarm because you've got a
clear path forward. So let's talk solutions for the retirement
(19:45):
fear running out of money. What we should do is
build income for life projections. That essentially is a roadmap
showing you how much income you can expect year after year,
adjusted for inflation.
Speaker 14 (19:55):
And when people actually see those numbers in black and white,
the fear usually saw they realized that they might be
in better shape than they thought. And if there's a gap,
well then you know what adjustments you need to make
now before it's too late.
Speaker 13 (20:09):
On the stock market side, the best antidote for fear
is diversification. If all your eggs are in one basket,
of course you're nervous. But if you've got a mix
of stocks, bonds, and maybe some guaranteed income products, suddenly
you're not watching CNBC every night in panic mode.
Speaker 14 (20:23):
And debt fears, that comes down to strategy, snowball versus avalanche,
payoff methods, refinancing options, even just automating your payments. It's
amazing how small consistent steps can chip away at what
feels like a mountain.
Speaker 13 (20:37):
You know, I think about that client we saw a
few years ago was losing sleep over whether she could
afford to keep traveling in retirement. She was picturing herself
stuck at home clipping coupons forever.
Speaker 14 (20:47):
Oh yes, I remember her too, And once we ran
her numbers, she realized she could not only afford travel,
but she also had enough cushion to take her grandkids
to Disney every couple of years.
Speaker 7 (20:57):
That fear turned into excitement.
Speaker 13 (20:59):
That's a perfect example knowledge replaces fear with confidence.
Speaker 14 (21:04):
Absolutely, and I'll say this to our listeners. If you've
got financial fears, whether it's retirement markets, debt, or just
that little nagging voice that says, am I doing enough?
Speaker 7 (21:15):
Know that you're not alone.
Speaker 13 (21:17):
And more importantly, don't let fear paralyze you. Work with
a professional, put a plan in place, and give yourself
permission to sleep better at night.
Speaker 14 (21:24):
That's exactly what we do every day at Kelly Financial.
Help families replace financial fear with financial freedom.
Speaker 13 (21:31):
Nicely said. And on that note, that wraps it up
for today. Enjoy the rest of your weekend with Mellie.
Speaker 7 (21:36):
Thank you, Greg, I will and I'll see you next week.
Speaker 3 (21:39):
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 10 (21:53):
I'm John Boudris, and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 9 (22:04):
You can always make money if you haven't if you
lose it all, It's very difficult to do that. So
you have to have a plan if the market goes
up quite a bit or down quite a bit. You
have to be ready and how do you sort fact
from fiction?
Speaker 10 (22:17):
Download Kelly Financial's Consumer Guide, simply called the Value of
an Objective Opinion. With so much at steak with your
retirement future, you don't just want any financial advice, but
objective financial advice, and as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org
(22:40):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 9 (22:44):
Ladies and gentlemen, sort fact from fiction.
Speaker 10 (22:47):
We are Kelly Financial Services. Come retire with.
Speaker 3 (22:50):
Us Safe Money Strategies with William Kelly and Kelly Kelly.
Call the team on eight eight eight hundred, eighteen eighty one.
Speaker 5 (23:02):
And we're back.
Speaker 2 (23:09):
Always good to be with you again. For those of
you who are just joining us, this is Safe Money Strategies.
For twenty two years now, we've been helping families all
across New England protecting grow their retirement savings. I'm William
Kelly Junior here with our CEO and my mom, Kelly Kelly.
Thank you.
Speaker 6 (23:23):
William.
Speaker 4 (23:24):
Is always a pleasure to be here with you and
of course with our listeners. Whether you've been tuned in
since the top of the hour or you're just catching
us now, we're certainly glad you're with us.
Speaker 2 (23:37):
So today we're talking about something a little different but
really important. Why lifelong learning and mental wellness matter and retirement.
Speaker 6 (23:46):
That's right.
Speaker 4 (23:47):
When most people think retirement, they immediately think numbers, savings,
social security taxes, investments. But true retirement readiness isn't just
about the balance sheet. It's about staying healthy, staying engaged,
and keeping your mind sharp.
Speaker 2 (24:08):
Exactly because let's face it, a strong portfolio won't meet
a whole lot if someone feels isolated or stagnant. The
research is clear, folks ustamentally sharp and emotionally engaged are healthier, happier,
and often more independent for longer. Retirement isn't just about
adding years to your life. It's about adding life to
(24:28):
those years.
Speaker 4 (24:30):
That's such a key distinction, William. A good retirement plan
is about the whole person, not just the wallet. Financial
stability gives you the freedom to invest in your well being,
whether that's through new hobbies, continued learning, or being part
of a community. Independence, confidence and purpose are every bit
(24:55):
as valuable as financial.
Speaker 2 (24:57):
Security, and when you look at seniors who a the best,
who stay sharp and active, they usually share some common habits.
Lifelong learning is at the top of that list, but
it's not the only one that's right.
Speaker 4 (25:12):
The full picture includes regular physical activity, mindfulness practices like
prayer or meditation, healthy eating, staying socially connected, embracing technology,
and yes, getting enough rest. And there's balance, which really
(25:32):
ties it all together.
Speaker 2 (25:34):
Balance is key because if you focus on just one
piece and neglect the others, something's missing. You could be
exercising your brain but ignoring your body, or you could
be out socializing constantly but running yourself ragged without proper rest.
It's about weaving these things together, exactly.
Speaker 4 (25:54):
And the beauty of it is these habits aren't extreme,
simple everyday practices that over time can make a dramatic
difference in memory, in independence, and in your quality of life.
Speaker 2 (26:11):
Let's drill down on one that's really transformative, lifelong learning,
because it's not just about keeping busy, it's about staying
purposeful right.
Speaker 4 (26:22):
And lifelong learning doesn't have to mean going back to school,
though some retirees do just that. It can be as
simple as exploring an online course or listening to a
podcast or dropping into a workshop at your local library.
Each new skill is like exercise for the brain.
Speaker 2 (26:44):
The brain really is like a muscle. It needs challenges
to stay strong, and learning doesn't have to be formal.
Even small daily practices build resilience absolutely.
Speaker 4 (26:55):
Crossword puzzles, word searches or a good book can sharpen
folks us. Journaling or writing letters not only spark creativity,
but also preserve memories for your family.
Speaker 2 (27:08):
And writing especially, it helps process thoughts and emotions. Plus
down the road, your kids and grandkids get to look
back at your reflections. That's a legacy.
Speaker 6 (27:19):
That's right.
Speaker 4 (27:20):
And when you're engaged in these kinds of activities, you
gain confidence. That confidence encourages you to stay social, try
new things, and keep stretching yourself.
Speaker 2 (27:34):
And let's not forget some retirees go big. They finish degrees,
pick up a master's program, or tackle a subject they've
always loved.
Speaker 4 (27:43):
Yes, and many others pursue smaller but equally meaningful goals
like painting a class, a cooking workshop, or joining a
book club. Travel can be a form of education too.
Every new culture, every new place teaches something.
Speaker 2 (28:00):
So where does all of this fit into retirement planning
Honestly right at the center at Kelly Financial, we believe
a retirement plan shouldn't be.
Speaker 6 (28:09):
Just about covering your bills.
Speaker 4 (28:11):
It should help support the life you want to live.
Speaker 6 (28:15):
That might mean planning for.
Speaker 4 (28:16):
Tuition for a class, a budget for travel, or even
extra funds for books and hobby supplies.
Speaker 2 (28:23):
Because lifelong learning is one of the best ways to
stay healthy, fulfilled, and happy in retirement.
Speaker 6 (28:30):
And that's why we want to offer you a resource.
Speaker 4 (28:34):
It's called Six Secrets to a Happy Retirement and is
filled with practical ideas to help you thrive, whether it's
lifelong learning, building connections, or embracing new adventures. When you
combined financial security with personal fulfillment, you don't just have
(28:54):
a safe retirement, you have a meaningful one.
Speaker 2 (28:58):
This guide is about giving you to it to keep
growing and moving forward. To request your free copy and
a schedule complimentary consultation with our team, give us a
call at eight eight eight eight hundred one eight eight
one or email us at Kelly at Kellyfinancial dot org.
Speaker 4 (29:14):
Stay with us because when we come back, we'll break
down the difference between formal and informal learning, highlight the
practical benefits and show how your retirement plan can make
it all possible.
Speaker 2 (29:28):
You're listening to Save Money Strategies heard right here on
WRCO every Saturday morning, and don't forget.
Speaker 4 (29:35):
You can catch previous shows anytime on our radio. Rewind
at Kellyfinancial dot org or stream us on the iHeart app.
Speaker 2 (29:45):
Thanks for tuning in. We'll be right back.
Speaker 3 (29:50):
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 (30:00):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation, called eight eight eight eight hundred eighteen
(30:23):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with.
Speaker 3 (30:29):
Us Safe Money Strategies with William Kelly and Kelly Kelly.
Call the team on a eight eight hundreds eighteen eighty one.
Speaker 2 (30:39):
Gang in there. Welcome back to Safe Money Strategies. Whether
you've been with us since the start of today's program,
or you're just tuning in. We're glad you're here. I'm
William Kelly Jr. Alongside my mom and our CEO, Kelly Kelly.
Together we've been talking about ways to protect your savings
and enrich your retirement.
Speaker 4 (31:00):
It's always great to be back with you, William and
with our listeners every Saturday at Kelly Financial. We believe
in two powerful principles, family values and financial knowledge.
Speaker 2 (31:14):
Earlier we touched on habits that help retirees stay sharp.
Now we want to look at the real life benefits
of lifelong learning, why it matters, and how it can
transform not only your retirement years, but your health, your relationships,
and even your outlook on life.
Speaker 6 (31:31):
That's right, William.
Speaker 4 (31:32):
Lifelong learning isn't just about classrooms or textbooks. Is the
ongoing pursuit of knowledge and skills, things that spark curiosity
and bring joy For retirees. This can mean anything from
trying out new recipes to learning photography to attending a
(31:53):
local history lecture. Every new experience keeps the mind active.
Speaker 2 (31:58):
And it's not about credentials. It's about curiosity. Every new
skill adds another layer of engagement and purpose to your life.
Speaker 4 (32:08):
Some people return to school, others take certificate courses or
online classes, but informal learning counts to community workshops, faith
based groups, book clubs, or even mentoring the next generation.
Speaker 2 (32:24):
And mentoring is powerful. Teaching reinforces what you know while
giving you the joy of helping someone else grow exactly.
Speaker 4 (32:33):
Learning doesn't just expand your knowledge. It strengthens your social connections.
It gives you a reason to get up, get out,
and be part of something bigger than yourself.
Speaker 2 (32:45):
Plus, there are real health benefits. Studies show lifelong learning
improves memory, focus, and creativity. It helps keep your mind adaptable,
something that matters as the world changes around us.
Speaker 4 (33:00):
And it goes even deeper than that. Research shows that
when you challenge your brain with new learning, you actually
build what's called cognitive reserve. That's a buffer that helps
protect against memory loss and conditions like Alzheimer's. The brain
works like a muscle. The more you use it, the
(33:20):
stronger and more resilient it becomes.
Speaker 2 (33:24):
That's powerful. Just like exercising your body, you have to
exercise your mind, and when you do, you're protecting not
just your knowledge, but your independence and your confidence. In
daily life.
Speaker 4 (33:38):
Absolutely. Many retirees tell us that setting small learning goals
prevents boredom and brings rhythm back into their weeks. And
when you stay mentally engaged, you often remain physically independent
longer too.
Speaker 2 (33:54):
That's right. Lifelong learning is really an investment in well
being financial planning, except this time you're investing in your mind,
in your spirit.
Speaker 6 (34:04):
And those two go hand in hand.
Speaker 4 (34:07):
A strong financial foundation gives you the freedom to explore,
to travel, to take classes, or just to pick up
a new hobby without worry.
Speaker 2 (34:17):
We can't forget the emotional benefits either. Lifelong learning combats
isolation and creates community right in.
Speaker 4 (34:25):
When you join a group, attend a class, or even
learn something new with a friend, you create bonds that
keep loneliness at bay and strengthen your sense of belonging.
Speaker 2 (34:36):
That sense of belonging is crucial. Retirement is a big
life transition, and without something meaningful to step into, it's
easy to feel a drift. But learning provides identity. You're
not just retired, you're a student, a mentor a creator exactly.
Speaker 4 (34:54):
And when your identity is strong, your emotional health benefits,
and that in turn supports your physical and mental health.
Speaker 6 (35:03):
It's all connected, you.
Speaker 8 (35:05):
Know, Mom.
Speaker 2 (35:06):
I think about Dad here too.
Speaker 4 (35:08):
Yes, William, your dad was such an example of lifelong learning.
He was endlessly curious. You never know what he'd get
focused on next. It might be sparked by a conversation
with a client, something he read, or even just an
idea that popped into his head, and once it caught
his attention, he would dive in. He'd do the research,
(35:30):
turn it over in his mind, and before long he
was weaving that knowledge into daily life. His mind was
always moving, always searching, and I think that curiosity kept
him sharp, kept him young.
Speaker 2 (35:45):
I remember that, and it's such a good reminder for
all of us. You don't have to be in a
classroom to keep being a lifelong learner. You just need
a willingness to keep asking questions and exploring.
Speaker 4 (35:58):
That's right, and that mindset is something anyone can adopt
at any age.
Speaker 2 (36:04):
Of course, balance is key. Lifelong learning is most powerful
when it's part of a bigger picture, alongside exercise, good nutrition, rest,
social tize, and mindfulness.
Speaker 4 (36:18):
Exactly, if you only focus on study and neglect your body,
you'll feel it. And if you're always busy socially, but
don't give yourself quiet time.
Speaker 6 (36:28):
You'll feel that too.
Speaker 4 (36:29):
Balance makes learning joyful and sustainable.
Speaker 2 (36:33):
At the end of the day, lifelong learning deserves a
spot at the center of retirement planning. A good plan
doesn't just cover expenses, it creates space for enrichment.
Speaker 4 (36:45):
That's why it Kelly Financial. Our advisors look beyond the
numbers will help you think about how your retirement budget
can support not just your basic needs, but your goals
for learning, travel, hobbies, and new experiences.
Speaker 2 (37:01):
If you're serious about weaving lifelong learning into your retirement,
you'll want tools that support both your mind and your money.
Speaker 4 (37:08):
That's why we're offering our free investor guide, Six Secrets
to a Happy Retirement. It includes strategies that go beyond finances,
ways to stay curious, engaged, and fulfilled in this stage
of life.
Speaker 2 (37:24):
To get your copy and schedule complimentary consultation with a
Kelly Financial advisor, call eighty eight eight hundred one eight
eight one. You can also email us at Kelly at
Kelly Financial dot org.
Speaker 4 (37:36):
Retirement is more than a financial destination is a new
chapter for growth, purpose, and discovery.
Speaker 2 (37:45):
And that's what lifelong learning is all about.
Speaker 6 (37:48):
Well Paul's here, but don't go anywhere.
Speaker 2 (37:50):
Stay tuned.
Speaker 4 (37:51):
More great voices and insights are coming up on safe
money strategies.
Speaker 2 (37:57):
You're listening to Safe Money Strategies right here on WRCO
every Saturday morning and streaming anytime on the iHeart app.
We'll be back with more after this.
Speaker 6 (38:10):
I'm Kelly Kelly from Kelly Financial.
Speaker 4 (38:12):
Is your financial advisor a fiduciary? In other words, are
they legally required to act in your best interest? My
complimentary book, Retire Your Fear, Plan Your Future explains what
a fiduciary is and will help you understand if an
advisor is really putting you first. For the book, call
eight eight eight eight hundred and eighteen eighty one or
(38:34):
email Kelly at Kellyfinancial dot org.
Speaker 6 (38:36):
We're Kelly Financial. Come retire with us.
Speaker 1 (38:41):
We're back Mike Ducet, chief Operating Officer at Kelly Financial Services,
and I'm joined by Greg Workman, one of the trusted
financial advisors on our staff. Greg, coming into the break,
we introduced a unique conservative investment solution that targets a
baseline yield of five to seven percent, designed to keep
your money working without sacrificing too much safety. That type
(39:04):
of solution is music to the airs of conservative minded
investors that want to maximize yield on their cash stash
in the face of highly probable nan term fed cuts,
which is sure to make CDs and high yield savings
account less attractive. Greg, what does the investment look like,
(39:24):
what makes it unique, and how has it performed this year?
Speaker 12 (39:28):
As with all of our investment allocations, our approach to
portfolio construction starts with a goal, because as you progress
through different phases of life, so should your portfolio.
Speaker 1 (39:41):
Great point, take two investors, each with a twenty year timeline.
One is working in still an accumulation mode, so there's
salking way money as the paychecks keep coming in, and
the other just stepped into retirement and is beginning to
draw down their portfolio.
Speaker 12 (39:58):
In accumulation, you're better off stocking up on equities or stocks.
In distribution mode. The winning investment strategy is the one
that drives steady income.
Speaker 1 (40:11):
Let's use an analogy that drives the point home to
fund cash flow needs in retirement. Would you rather buy
vacant land and sell off parcels until you run out
of land, or would you rather buy an apartment building
and live off regular, steady and predictable rent checks.
Speaker 12 (40:29):
An investment portfolio that drives income through regular dividend distribution
is the equivalent of owning the apartment building. In our
income offering, most all of the dividends are paid on
a monthly basis.
Speaker 1 (40:44):
The term mailbox money is often used to describe dividends
because they represent a passive income stream for investors, much
like receiving a regular check in the mail.
Speaker 5 (40:54):
Markets go up and markets go.
Speaker 1 (40:56):
Down, but those dividend dollars keep rolling in no matter
what direction the market travels. Greg shed some light on
our income solution.
Speaker 12 (41:04):
First off, Kelly Financial is a fiduciary. Why is that
important to our clients? Because we're not tied or obligated
to work with any single vendor or group of vendors
due to proprietary relationships. In fact, we have many relationships
with large institutional partners, some of which are household names
(41:27):
and some are specialists and smaller boutique firms. We leverage
those relationships to structure investment portfolios that maximize returns for
our clients.
Speaker 1 (41:38):
The current iteration of our income portfolio contains a diversified
mix of seventeen to eighteen exchange traded funds or ETFs
that are selected not only for the overall quality, but
for the a unique ability to drive above average dividend yields.
Speaker 12 (41:52):
An ETF or exchange traded fund is a basket of
investments like socks or bonds that trades on the stock exchange.
When those underlying investments pay income or dividends, the ETF
collects it and passes it on to investors as dividend distributions.
Suppose you own one hundred shares of a popular ETF,
(42:16):
like an S and P five hundred index. The ETF
collects dividends from companies like Apple, Coca Cola, and Johnson
and Johnson. At the end of the quarter, the ETF
pays you fifty cents per share. You receive fifty dollars
in dividends. Pretty easy, pretty straightforward, which our clients appreciate.
Speaker 5 (42:35):
We've had very positive feedback from our clients.
Speaker 1 (42:38):
They love the fact that not only is the income
strategy predictable, but it is conservative in nature. For example,
this year, when the S and P five hundred was
down nineteen percent from its high, our conservative income portfolio
is down approximately just two percent.
Speaker 12 (42:53):
Markets are volatile, We know they go up and they
go down. In fact, ten percent drops are common.
Speaker 8 (43:01):
They happen more often than they don't.
Speaker 12 (43:03):
Since nineteen eighty, the S and P five hundred has
averaged an inter year drop of fourteen percent each year,
according to a study by JP.
Speaker 1 (43:12):
Morgan and that volatility can be the enemy of regular
withdrawals in our industry. It has a name dollar cost ravaging,
which refers to what happens when lower yielding assets may
require selling principle, when the market moves against you.
Speaker 12 (43:27):
That is an excellent point, Mike, to revisit the vacant
land versus the apartment example you offered earlier. Imagine having
to sell off vacant land when the real estate market
is down and no one wants to buy it. That
could be a losing formula unless the market rebounds in
your favor and quickly markets go down.
Speaker 8 (43:48):
It's a fact.
Speaker 12 (43:49):
If you're relying on your nest egg for monthly income
and your allocation is a traditional, conservative, moderate, or growth
oriented mix of investments, then pulling out funds when the
market is down can feel like your money is taking
five steps back to take one step forward.
Speaker 8 (44:05):
That in itself can be unsettling.
Speaker 2 (44:07):
To say the least.
Speaker 1 (44:08):
Most of us have worked hard to save a nest
egg for a reason. In the absence of a good
sized pension payment to complement social Security, most of us
fund the gap with regular distributions from.
Speaker 5 (44:19):
That IRA four oh one K or four or three
B account.
Speaker 1 (44:23):
If you have the same stale allocation in place, the
timing of stock market volatility can be a significant factor
impacting the success of your retirement distribution strategy.
Speaker 12 (44:34):
At its most extreme, significant could mean the difference between
running out of money and retirement or having a meaningful legacy.
Speaker 8 (44:42):
For your children and grandchildren.
Speaker 1 (44:44):
Our portfolio target's a regular dividend of five to six
percent and a total return of six to eight percent
year in and year out.
Speaker 5 (44:53):
In the best part, we're doing it with minimal ups.
Speaker 1 (44:55):
And downs along the way, which allows our clients to
sleep well at night. They're taking a small fraction of
the risk of the overall SMP five hundred.
Speaker 12 (45:04):
A distribution strategy and retirement is just as important as
the saving strategy you followed while you were working. Saving
is about building the nest egg. Retirement is about turning
that nest egg into a steady paycheck.
Speaker 5 (45:18):
It's what we do every day.
Speaker 1 (45:19):
At Kelly Financial, our clients know where their retirement paychecks
come from, and that is peace of mind.
Speaker 12 (45:25):
This confidence allows them to focus on enjoying retirement instead
of worrying about money.
Speaker 1 (45:31):
If you'd like to learn more, give us a call
at eight eight eight eight hundred eighteen eighty one or
visit us online at Kelly Financial dot org. We'd love
to hear your questions and help you find the confidence
you deserve. Thank you for joining us on this week's
installment of Safe Money Strategies.
Speaker 5 (45:47):
With that, I'm Mike.
Speaker 1 (45:48):
Ducett and I'm Greg Workman. Be sure to join us
next week for more safe money strategies.
Speaker 11 (45:58):
Joining us now, as she always does at this time,
the co founder, CEO, president of Kelly Financial Services, and yes,
that is her wonderful name, Kelly Kelly Kelly, How are you.
Speaker 2 (46:18):
Good morning, Jeff, I am good.
Speaker 4 (46:21):
You know, retirement isn't just about money. It's really about
living with purpose, staying sharp, and continuing to grow. One
of the most powerful ways to do that is through
lifelong learning, because it keeps you engaged and looking forward.
That's why at Kelly Financial we continue to offer our
(46:44):
complimentary guide called six Secrets to a Happy Retirement. It's
been very popular with your listeners, Jeff, and inside you'll
find practical tips for staying healthy, building connections, embracing adventure
and lifelong learning. Is filled with a few simple, proven
(47:04):
ways to make your retirement not only secure, but also
meaningful and truly fulfilling, and that's what so many people
are hoping for in their future. To get your free
copy or to speak with one of our Kelly advisors,
just give us a call or email us at Kelly
Kelly Financial dot org. Our visit our website at Kellyfinancial
(47:28):
dot org for our radio rewind Jeff, have a wonderful weekend,
My best of Grace and the kiddos.
Speaker 11 (47:35):
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 eighty eight hundred eighteen eighty
one eight eighty eight hundred eighteen eighty one, or you
can actually email Kelly herself personally Kelly at Kellyfinancial dot org.
Speaker 8 (48:00):
That's Kelly Kelly Financial dot org.
Speaker 3 (48:07):
Safe Money Strategies A eight eight hundred one eight eight.
Speaker 4 (48:13):
One Each week we like to close our show with
the wit and wisdom of Bill Kelly. Today, Bill takes
us back to his childhood, when Thursday nights meant grocery trips,
chicken money, and long talks with his grandfather Tim Murphy.
(48:33):
You'll hear about the lessons learned at the family dinner table,
the laughter of old television shows, and the values passed
down through stories, songs, and even tap dancing in the
living room. It's a heartfelt reminder of family, of tradition
and the bonds that keep us young.
Speaker 6 (48:54):
Here's Bill Kelly.
Speaker 9 (48:58):
Now, as time went on, I got older, started to
have a paper route, I caddied, I washed dishes, I
cooked in a restaurant on Saturdays at a golf course.
And as I got older, so did my grandfather. It
was a fact that I wouldn't say depressed me, but
I knew that, you know, my grandfather was much older
(49:18):
than my parents, and I knew that, you know, he
was sixty one years older than me. So naturally that
meant I was going to someday witness his demise. But
on those trips back from the grocery store when we
would trade in the eggs, my grandfather had a running
joke with me. He would buy the food, fill up
(49:40):
the station wagon. He would put a site of money
to pay the feed bill. He would hand me an
envelope with whatever money was left over, and he would say,
give this to your mother, who was naturally driving the
Chevy station wagon. And I used to feel very proud
as if he and I had made this money by
(50:02):
raising these chickens. And I could in fact hand my
mother the fruits of our labor so she could run
the house.
Speaker 2 (50:10):
And that was fun.
Speaker 9 (50:12):
And we would stop at Industrial National Bank, which was
laid a fleet and now Bank of America on our
way home, and my grandfather would deposit money into a
savings accountant he had there. So that was how it
went on Thursdays. And as I grew older and into
high school, we would have less and less time to
(50:34):
spend together. I certainly couldn't help anymore with the chickens.
My grandfather approached his eighties and we would sit on
Thursday nights watch television. We would have a great deal
of fun doing that. We loved the old Dean Martin show.
There was a show about a protective called Harry Oh.
(50:55):
We used to like to watch Red Skeleton on Tuesday nights,
and it was pretty good television. But along the way
in doing that, we could talk with each other about
pressing problems in my life and things that were on
our minds. So I was very fortunate to have that
wealth of experience which my grandfather had, and he was
(51:15):
happy to relay onto me the important things in life.
And the subject of nursing homes used to come up
quite a bit, probably once or twice a year, and
my grandfather always said he definitely could never deal with
a nursing home. But we had a very large family,
(51:37):
twenty two cousins, so that meant twenty two grandchildren for
my grandfather, and that meant there was always something going on.
A christening, a first communion, a confirmation, birthdays, all kinds
of Christmas dinners, Easter dinners. There's always something happening, and
(51:58):
there was always something to keep our eye on the
growth of our family, the progress that people made, and
how proud everyone was about what they were doing, their work,
their schooling. So it definitely kept my grandfather young in
doing this because having to be involved with so many
young people, especially when the great grandchildren started to come along,
(52:22):
that was pretty exciting. So between the weddings and the
christenings and the birthdays and all of the holidays, it
was a terrific time. Every Saint Patrick's Day, of course,
was a huge holiday in my family life. And we
(52:43):
of course Saturday Sundays with Church Day, Saturday Night was
beans and Franks Lawrence Welk, so our lives were pretty
much planned. But I think the fact that my grandfather
did much of the cooking, a lot of the laundry,
and much of the mentoring in our family care tim
very young, even though it was chaotic. I'm sure I
(53:04):
cannot imagine ten people sitting down at a dinner table
at night, but they say after the first six it
doesn't really matter to make a dinner for ten people
every day of the week. And on Sundays, my mom
used to always invite one of my aunts or uncles,
so he had a huge dinner table in our house.
(53:24):
I still have the head chair where my grandfather sat.
It's a beautiful mahogany chair. You can see it in
my office when you come in to visit with me.
And I have that chair where he used to sit
with me. It was in front of a picture window
looking over about fifteen acres of the farm with a
(53:45):
road or a lane that led down to the main road.
And my grandfather Tim Murphy would sit in that chair
with me for hour upon hour upon hour. He would
tell me poems, he would sing me songs, he would
tell me stories. Sometimes he'd sit me in this chair.
He'd get up and tap dance and sing some of
(54:05):
the old vaudeville songs, and it was fun. The poems
were the village Smitty and you know, the village Blacksmith
and those types of poems. He could do patriotic songs,
he could sing George mcohen songs. And he knew a
lot of things about life. But he was sure of
one thing, and that one thing he was sure about
(54:29):
was he didn't want to be confined to a nursing home. Ever.
He was a big man, about six foot to two
hundred and twenty pounds and the strongest human being I've
ever known. And my son William has a lot of
characteristics of my grandfather Murphy. They're very similar in their
(54:50):
attitudes about a lot of things, and they're both My
son's going to be a very big man too, his
chest as huge as hands and feet. Everyone remarks about
how big they are. So we were very close and
the things that we did together were both fun and enriching,
and it was a great way to grow up for
a young child.
Speaker 3 (55:14):
I'm called Kelly Financial Services eight eight eight hundred eighteen
eighty one.
Speaker 6 (55:20):
I'm Kelly Kelly from Kelly Financial. Whether you're in your sixties, seventies.
Speaker 4 (55:24):
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 balance portfolio. For
the guide, call eight eight eight eight hundred eighteen eighty
one or email Kelly at Kellyfinancial dot org.
Speaker 6 (55:46):
We're Kelly Financial. Come retire with us.
Speaker 3 (55:50):
Save money strategies with William Kelly and Kelly Kelly. Go
to Kelly Financial dot org.
Speaker 10 (55:58):
The newsbreak is coming up 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 health,
care or if you're tossing around the idea of relocating
(56:20):
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 when it's time to retire.
In fact, these adjustments can be the difference of when
you can retire, or in some cases, whether you can
(56:40):
retire at all. So call us at eight eight eight
eight hundred, eighteen eighty one, or visit us at Kelly
Financial dot org and raise a toast to your financial future.
Eight eight eight eight hundred, eighteen eighty one Kelly Financial
Services with offices in Braintreet and Burlington. All Right, see
you next week.
Speaker 15 (56:59):
Opinion 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 is not intended to be specific. Investment,
tax or legal advice. It is always advisable to consult
a professional before making a financial decision. The host is
a client of Kelly Financial Services. In exchange for hosting
(57:20):
the Safe Money Strategies Show and providing testimonials of his
personal experience as a client of Kelly Financial Services, Kelley
has waive the host's advisory v in full. Because of
this arrangement, where the host receives compensation in the form
of a fee waiver, the host has an incentive to
recommend Kelly Financial Services, resulting in a material conflict of interest.
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