Episode Transcript
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Speaker 1 (00:00):
All these years you've saved up planning for a secure retirement,
but if you're not careful, it will be the irs
that's living it up when you retire by taxing your
hard earned money. Welcome to the Maggie Tax and Financial
Hour with Robert and Chris Maggie of Maggie Tax Advisory
and Financial Group. With over thirty years of combined experience
in tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest egg from Uncle Sam. Your questions and
comments are welcome during today's program by calling eight one
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty, or visit Maggie
Tax dot com. That's Maggi tax dot com and now
(00:46):
your host for the Maggie Tax Financial Hour on nine
seventy WFLA. Robert and Chris Maggie.
Speaker 2 (00:52):
Welcome everyone, and thanks for joining us today. My name
is Robert Maggie and I'm here with my son and
co host, Chris Maggie. Be sure to visit our website,
Maggie Tax dot Com and click on the retirement calculator
on the top and see what your tax bill is
going to be in retirement. Be sure to watch your
TV show every Sunday ten thirty am on ABC TV.
We have a lot we're talking about to try to
(01:14):
educate everybody, and it's something, Chris, that a lot of
people need. When they come in and see us, there
are more I guess, frightened as to what they're going
to be sold or anything like that. But when it
comes to what we do, we educate and I have
to tell you many people that come in and they leave,
they go like, Wow, this is what I expected. So
let's talk about that. We're going to talk about who's
helping you plan your retirement because this is very important.
(01:35):
And Chris take it away.
Speaker 3 (01:37):
Well, welcome everyone, Thank you so much for tuning into
our show. And the question we have for all of
you out there is are you confused? And what I
mean by that is do you really know who you're
working with? And what I mean by that is who
are you working with with your retirement plans? And a
lot of people think, well, all advisors are the same.
Well let's go ahead and dive into that, and let's
(01:58):
educate you all because they're not. There's a couple of
different advisors out there who you know, basically describe themselves
as a financial advisor, and sometimes they're really not. But
there's insurance agents out there, There are brokers, and there
also are investment advisor representatives. And we're going to dive
into all those three different types of advisors just to
(02:19):
clarify because sometimes when you're getting the advice from these individuals,
it might be just leaning towards what they want instead
of what you want.
Speaker 2 (02:29):
So let's dive into what an insurance agent is a
great point, Chris, and you know, just to you know
complete that when I started in this business years ago,
you sold a product. You worked for a company, and
that's all you sold. Like for an insurance agent, they
sold you life insurance or health insurance and that was it.
What happened in my career is that people kept asking me,
can you do more? Is there something else you can do?
(02:52):
So when you talk about an insurance agent, they get
paid on commissions on product transactions, and Chris, you talk
about being transactional advisor, and that's what they're supposed to do,
so they work on behalf of their affiliated insurance carrier.
And there's many insurance carriers out there. We'll licensed to
a lot of them. So you work for them and
you're held to the suitability standards, not fiduciary standards. Christen,
(03:16):
that is so important when you're speaking to a client.
So think about this.
Speaker 3 (03:19):
You meet with an insurance agent, you have questions about
social security, about retirement planning, about the market, about what
to do with income planning and investment planning, and basically
all they do is insurance. So sometimes they might just
steer you in the wrong direction and say, hey, no,
don't invest in the market, just invest in this product,
or you need just life insurance because that's all they do,
(03:42):
is they sell life insurance. Or maybe they just sell
long term care and medicare. That's all they do insurance agents, right,
so they just don't look at the big picture. They
just deal with insurance products. So just to summarize on that,
they work on behalf of their boss or their company.
They're held to suitability standards, not fiduciary standards. So that's
(04:02):
an insurance agent. So let's go into maybe what we
all hear of is a broker, right, we hear a broker's. Well,
what's a broker, Well, that's a registered representative. They usually
work with a brokerage company. Well, they're held to suitability
standards again and not fiduciary standards. They work on commissions
(04:23):
on product transactions. So think about that. You work with
an advisor who buys and sells, you're in the market.
Every time they buy a mutual fund or sell a fund,
there could be a load or an expense or a charge,
and that's a commission. But what they work on behalf
of their affiliated brokerage firm. So think about that. Every
time you buy a stock or sell a stock, there's
(04:44):
a commission or a bond, there is a commission generated,
So think about that. That is a broker. So if
you're looking for again an income plan or a tax plan,
or a Social Security maximization, or you want them to
manage your money, think about that. But they really giving
you the right advice. So many people out there think,
oh my gosh, well I might be meeting with an insurantation,
(05:05):
I might be meeting with a broker, but that's really
not what I want. So those are two different advisors
that are out there that you just should be aware
are they bad? No, that they just kind of limited
to what they can and can't do. So that leads
us to what an investment advisor representative is, and let's
talk about that.
Speaker 2 (05:24):
An investment advisor REP is a little different because they
are held to a fiduciary standard, which many people ask
us and they always say, are you a fiduciary? Because
legally required to put the client's interest first and they
work solely on behalf of you, the client in a
fiduciary capacity. What does that mean? It means that when
you meet with a fiduciary, they're going to cover everything
(05:47):
that Chris just mentioned from medicare, social security, insurance, income planning,
tax planning, investment planning, because that's a complete plan and
that's what we do with Maggie Tax. We're a complete advisor.
So there's nothing wrong with an insurance agent if that's
all they choose to do, that's fine. The brokers, there's
nothing wrong with that if that's what they choose. But
(06:07):
when you work with an investment advisor REP, it's a
bigger picture where we can answer a lot more questions
and what they can.
Speaker 3 (06:14):
And that's why at Maggie Investment Services we are a fiduciary,
We are an investment advisor representative firms. So what we
do here is we've got to do the best thing
for you. And incorporated with Maggie Tax Advisory and Financial Group,
we do complete planning. As my dad mentioned, so we
can do an income plan, we could do a tax plan,
we could do investment plans. We could do SOLI security maximization,
we could do medicare, we could do long term care.
(06:36):
There's a lot of tax strategies that you could take
advantage of. So that's why I asked that question, who
are you working with? Are you confused? And before someone
comes to your house or you go to someone's office,
you should ask them are they a fiduciary or are
they just an insurance agent? Or are they just a broker?
So those things that you should ask whenever you're meeting
(06:57):
with someone. And that's why when we do our show here,
we are an investment advisor representative and that's what I
am at Maggie Investment Services. We have the fiduciary responsibility
the best thing for you, so we can put together
a complete plan, an investment plan, we can give you
the advice, we can give you advice on insurance products,
on how to generate income, on life insurance, on how
(07:19):
to maximize your social security. So these are the things
that we do, and I just wanted to make sure
that the people out there understand who you are working
with and if you have any questions, just pick up
the phone, schedule time to meet with us.
Speaker 2 (07:30):
Eight three to three maggie tax. That's eight three to
three maggie tax. And just remember the landscape of the
investment business or whatever you want to call it, taxes
insurance has changed. So when you talk about a complete advisor,
we specialize in helping all our clients save hundreds of
thousands of dollars in taxes and it has to relate
(07:50):
to the statements that they have to show them the comparison.
We increase the amount of income that can generate in
retirement because right now, I think Chris, the biggest question Again,
if you go to a website, on the top you'll
see the retirement calculator. What is your tax bill in retirement?
Do you know what you want to know? And a
lot of clients that have gone there, we've helped make
them understand, wow, they've got a tax, but we got
(08:12):
to do something with it, so reduce the overall risk
and your retirement approach and sit down with a complete
advisor like Chris is talking about, and I'm talking about
a fiduciary, because they're going to answer all your questions
and come to the table with questions. That's where I
think a lot of people Chris are like intimidated, like
they're gonna sell me something. But that's not the case.
Speaker 3 (08:31):
Well that's just said. I mean, people just don't know
where to go. You know, we have countless stories of
people coming in and meeting with us and just really
have no direction and they're asking for help and they
just don't know where to go. And when we put
together a plan it's called the Maggie Plan, we educate you.
We educate you on a lot of different topics and
why you deserve to. You know, when's the last class
you had on all this stuff? You haven't you need to.
(08:53):
That's why we invite you to come in and meet
with us. Visit our website at Maggie tex dot com.
There's so much information rate there, lot of videos, a
lot of education. We do our radio show, we do
our TV show every Sunday on ABC TV. At ten thirty.
Why because you need to get educated. So that's what
we can do. We can help you know a lot
of different ways eight three to three Maggie tax And in.
Speaker 2 (09:14):
Talking about all the agents the advisors out there, we
take a macro approach to reducing taxes and income. Most
financial advisors they take a micro approach, meaning from twelve months,
whatever happens during this year, which aims to reduce your
taxes in a single given year. But we take a
macro approach and again approach. When you go to the
(09:35):
retirement calculator, you'll see what we're talking about. You're going
to have a lot of taxes to pay on your
ERI because it was deferred. No one's paid the tax.
What's the tax rate? We don't know, So understand with
the difference when you talk about macro and micro and
at our company, we're most interested in reducing lifetime taxes
through a macro approach, so the total amount of taxes
(09:56):
you pay is as low as possible. And Chris, we've
helped many people come int and say we know we
could do that absolutely.
Speaker 3 (10:02):
So what's your tax bill? What are you confused about?
Who are you working with? Even today? You might have
been with an advisor for five years or ten years.
Are they an insurance agent? Are they a broker or
are they a complete advisor? Maybe an investment advisor representative.
So pick up the phone, schedule time to meet with us.
If you don't know, no problem, let's get together, have
a conversation. We can tell you and then you can
(10:23):
determine who do you want to work with moving forward,
Because as my dad mentioned, we take a macro approach.
We look at everything over time. Why because taxes are
increasing they will at some point we need to be
ready for it. We live in a tax increasing error.
Let's go ahead and put together a strategy to help you.
Pick up the phone. Schedule time to meet with us
eight three to three Maggie Tax, and don't forget. Tune
(10:46):
into the Maggie Tax and Financial Show every Sunday at
ten thirty on ABC. Pick up the phone, schedule time
to meet with us eight three to three Maggie Tax.
Speaker 1 (10:57):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host father and son, Robert and Chris,
Maggie for additional information, on how you can create a
tax free retirement. Visit Maggie tax dot com. That's ma
gg I tax dot com or call eight one three
(11:19):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty. Now your host for
the Maggie Tax and Financial Hour. Father and son from
Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 3 (11:35):
Welcome back to the Maggie Tax and Financial Show, and
thank you so much for tuning in. You know, we
love doing what we do. Why because you know, we
help people. We help people reduce their tax We help
people design an income plan for guaranteed income for the
rest of their life. We design investment plans. You know,
many people out there have form on K's investment plans.
They have no idea what kind of risk they're currently
(11:56):
taking with their accounts. Well, we can help. Many people
have form on K's old ones. They don't know what
to do with it or even lum sum pension plans.
What do you do with it?
Speaker 2 (12:04):
Do you take it? Do you roll it over? What
do you do?
Speaker 3 (12:07):
What about converting money from an infected area of taxes
to tax free and eliminate Uncle Sam. Those are the
things we do. Why because you need a plan and
we know that. That's why we are do complete planning.
If you have an estate planning issue, you need will
or a trust of have attorney. We can help as well.
(12:27):
We have people, we have staff, we have professionals there
to help you. We put together complete plans. That's what
we call the Maggie Plan. So schedule time to meet.
Let's pick up the phone. Schedule time eight three three.
Maggi Tax. Visit our website at Maggi tax dot com.
Speaker 2 (12:42):
And there's a reason why we have our name Maggie
Tax and Financial Group because we specialize in taxes and
advanced taxes and financial planning. And you know, ask your CPA.
And this is an interesting story. We met with a
gentleman this week and you know, we had a CPA
for years and you know, trusted him. And he came
in and he said, look, I want to get a
second opinion, which is fine and all of you can
(13:04):
get a second opinion. But when we showed him what
his CPA Chris should have showed him, he went back
to a CPA and a CPA said, well that's not good.
Well do you mean it's not good. It's not good
because he didn't tell him. Well, that's just said.
Speaker 3 (13:17):
It's a great segue into a great situation that a
lot of people should be hearing. He was with his
CPA for twenty five years, had a great relationship business
during the accumulation phase. You know, when we analyzed his
current situation, we noticed that there was a lot of
a shares mutual funds with a shares front end loaded.
(13:37):
So he paid a lot of commissions years ago on
these products that he had and hey, the market did well,
so his accounts up. But at the end of the day,
he's seen a lot of volatility, especially with what's happening now,
and he's at the point where him and his wife
want the distribution phase.
Speaker 2 (13:54):
They want to protect what they have gotten.
Speaker 3 (13:57):
So now he goes back to his he gets the
second opinion with us, and we showed him we analyzed
accounts and the fees that he's paying and type of
risk that he's currently taking with his accounts, and he's
basically saying, I want safety, I want safety. But guess what,
he has got about ninety percent of his money in risk,
So he's his CPA currency B He's not listening to him.
They're not listening to what he and his wife wants.
(14:19):
So he came to us and he wanted an income plan,
he want a tax plan, he wanted a way in
an investment plan to make sure that everything is in
the right order. So guess what, we put together a
whole plan for him. So he came back into a
CPA and he told him, Hey, I'm going to transfer
my money over. He done a great job, and his
CPA went nuts. And his CPA went nuts because he's
a transactional advisor. He's a transactional advisor and he didn't
(14:42):
want to lose the business, but he wasn't listening to
the client. And that's where they said, you know what,
I don't care. I've been there for twenty five years.
They thanked him very much for all his work, but
now it's time to move on and move on to
someone who specialized in the distribution phase of ever time.
And that's what we did. So here's what we did.
We put together buckets of safety, We put together buckets
(15:05):
of long term growth. We put buckets together where he
has tax free money. We showed him to get money
out of an infected area of taxes to tax free.
We eliminate Uncle Sam forever and ever and ever for
some of his accounts. So guess what he has the
opportunity to have tax free income, and guess what his
money has is safe, and guess what he has a
(15:26):
plan that he didn't have before. And to wrap it
all up, all his accounts that he had, there was
no beneficiaries, there was no estate plan. So his CPA
for twenty five years he thought was doing the right
work didn't. So if that's you pick up the phone,
schedule time to meet with us, Let's get together, you know.
Speaker 2 (15:44):
And another point, we had met a client this week.
He came in and he hears us on the radio
forew years and he wanted to talk about his FRS
because he's he works at USF And he said, I
hear you guys talk about FRS, that the retirement plan
and also with the federal people, the fers. But in addition,
he said, the reason why I want to work with
you guys is because you're a fiduciary. He understands what
(16:07):
a fiduciary is. And what Chris just mentioned, we just
did the whole plan for him that the CPA didn't
do so you everyone listening has the right to go
back and ask Kim or her why they didn't show
you what we did. And I have no problem with it.
Neither does Chris because the egg on their faces on them.
And you know what, if you just sit there and
(16:28):
do nothing, that's not a plan. And I will tell
you as we are been talking today about taxes. We
understand taxes. We understand advanced tax planning. So look, pick
up the phone eight three to three, Maggie Tax. Visit
my website Maggie tax dot com. Go to the top
the retirement calculator, just for laughs and giggles. Put anything
in you want. And when I get you're going to
(16:48):
get an email to show you and then we can
give you a call and go from there. Folks. Look,
we have a free consultation. And one more thing, Chris,
let's mention. You are going to meet with both Chris
and I. And this is a big problem for a
lot of people out there where they have advisors that
had in the past, Chris and they don't even get
a chance to see them. And that's not the way
it works, you.
Speaker 3 (17:06):
Know, and that's just it. You know, when you come
in to meet with us. We're gonna meet with you
and we enjoy it. Why because there's so much there
to help you. And you know, when we look at
that situation that I just mentioned about, that the clients
with twenty five years, with the current CPA twenty five years,
they should have had it real They should have had
an estate plan, they should have had an income plan,
they should have had a tax free plan, they should
(17:27):
have had an investment plan. They should have had all
this done already for twenty five years in a relationship.
If you haven't gotten that done, then shame on them.
And you know what, that's why we get upset. We
get anomated about this because if your current advisor is
just selling you something and they're more transactional advisor, you
don't need to be with a transactional advisor. You need
to be with a complete advisor. And that's what we
do here at Maggie Tax Advisory in Financial Group. So
(17:49):
pick up the phone, schedule a time to meet with us,
Visit our website at Maggie tax dot com. You want
income planning, we can help you want investment planning, we
can help you. Want to roll out your money from
an eye to a Rothira Roth conversions. We can help.
Do you want a tax plan we can help. Do
you want to stay planning? We can help. Do you
want help with Medicare? If you are a federal employee
(18:10):
with your furs or your serves benefits, we can help.
So again, sol scarity maximization, we can help. That's what
we do here Maggie tax dot com. Pick up the phone,
schedule of time to meet with us.
Speaker 2 (18:21):
So tax analysis, tax planning, that's what we do. Eight
three three Magi tax. It's a new concept. It's available
to everyone listening to the Magi Tax Show today. Go
to Maggie tax dot com. Check it out your CPA
tax payers should be discussing lowering taxes, not just preparing them.
And Chris. The other thing is like every year we
(18:41):
show our clients from the tax return why they're paying
taxes and how they can reduce it. Many of you
want that, so give us a call eight three three
Magi Tax. Be sure to watch our show every Sunday
ten thirty on ABCTV. Eight three three Magi Tax. That's
eight three to three Magi Tax.
Speaker 1 (19:00):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie tax dot com. That's
Maggi tax dot Com or call eight one three three
(19:22):
two two twenty five twenty. That's eight one three three
two two twenty five twenty. Now your host for the
Maggie Tax and Financial Hour, father and son from Maggie
Tax Advisory in Financial Group, Robert and Chris Maggie.
Speaker 2 (19:38):
Welcome back to the Maggie Tax and Financial Show. I'm
here with my son Chris, and I am the dad Bobby,
So give us a call eight three three Maggie Tax.
Be sure to visit our website Maggie tax dot com
and click on the retirement calculator and see what your
retirement tax bill is going to be. Then pick up
the phone give us a call. So this is on you, folks.
We're trying to educate you because who should set an
(19:59):
appointment with me? Maggie techs and we have something for everyone.
We address financial issues that pertain to the self employed
as well as employees of corporations and government agencies. We
work with federal employees. We work with many state employees
and federal employees. Why because they don't know their benefits. Okay,
federal employees don't even know they have a TSP, which
(20:20):
don't know what to do with it. They get a pension,
they don't even know that. So it's about education. So
when we run the report, and if you're a federal
employee out there, give us a call and we'll show
you what's going what's going to happen. And our goal
is to teach you how to build wealth and align
your money with your values to accomplish your goals in life. Chris,
people don't talk about goals. People talk about just a
(20:41):
pile of money. That's what advisors do out there, and
they're not addressing from the ground up. That's a complete advisor.
Speaker 3 (20:48):
Well, you mentioned a keyword right in that sentence is
yours your values? Your y Oh, you are your why
because this is your money, right, this is your goals,
not my goals, not your advisor's goals.
Speaker 2 (20:59):
It's your goals. What are your goals? What do you want?
Speaker 3 (21:01):
Do you want more income? Do you want to leave
a legacy? Do you want to do a tax free.
Do you want to pay less tax? Do you want
to make fifteen percent, twenty percent, thirty percent? Are you
okay with ups and downs of the market? What are
your goals?
Speaker 2 (21:13):
Can I ask you a question? Sure? Can you define
something for me? Go ahead? What's a yo? Yo? Yo?
Speaker 1 (21:19):
Yo?
Speaker 3 (21:19):
Goes up and down? And that's what we talk about.
You're in a yoo economy. You're on your own, so
guess what. You're on your own to develop your own plan.
But we can help you, and that's why we do
the show. That's why we're here. We enjoy what we do.
You know, we have offices on both sides of the day.
Speaker 2 (21:35):
To help you.
Speaker 3 (21:36):
You know, when you come in, you go to meete
with us. Why because we want to help you put
together a plan, an income plan, a tax plan, investment plan,
and a state plan. So whether you plan to retire
twenty years from how or you maybe just have recently retired,
the information that you learn from us, we can deliver
rewards throughout your lifetime because now you'll have a plan, confidence, clarity.
(21:58):
That's what you want. You want to power, empower yourself
and then we can help you. You know, you went
to school to what prepare for your career. Now it's
time to prepare for your retirement and we can help.
So pick up the phone, schedule time to meet with us.
Eight three three Maggie Tacks.
Speaker 2 (22:13):
Well that was powerful. That's the truth. I mean, education
is about, you know, retirement, and you never should stop learning.
We have written quite a few books and when you
come in we'll show you what they are. But you know,
you've got to learn something new every day. So things
we do for our clients. What about life planning for
retirement Chris? And do they have life insurance? Are you
still using the old rules for retirement?
Speaker 1 (22:33):
No?
Speaker 2 (22:33):
And that's it.
Speaker 3 (22:33):
Do you have a complete planet? Do you have an
incomplete plan? But I want to add here this is
really important. You retire once. We retire each and every day.
Every day we retire because we help people make that
decision whether they should retire and if they can retire.
So we retire every day. You retire once. Let us
help you get to that level.
Speaker 2 (22:53):
You know one thing, We get many clients that come
in and they say, I'm listening to you for years
and we watch your TV show every Sunday to you
three years ago, and I always asked them what took
you so long? And what took them so long is
they weren't ready. Okay, they just weren't ready. So what
about early retirement trends? Do you have enough income to
live on now and in retirement? It's called income planning.
One question that we ask all of you, We ask
(23:15):
everyone that comes in think about it. You're working, you're
getting a paycheck, this is what Chris was talking about.
But when you retire, what's the income you need per month?
And how are we going to solve for that? And
one way that we solve for that is by bucket planning.
So next time you take a bucket to put water
in and mop the floor, put a few buckets down,
one for income, one for insurance, one for tax, and
(23:37):
one for investment. That's bucket planning.
Speaker 3 (23:40):
I'm sorry as a current advisor putting that together for you,
or they just have one statement that comes in and
this is what you have.
Speaker 2 (23:45):
That's the only bucket there is. That's not a bucket
plan that's a pile of money.
Speaker 1 (23:49):
I know.
Speaker 3 (23:50):
But you want to make sure your buckets. Why because
you deserve to, You deserve to combat inflation, you deserve
to have play checks. There's other things you can accomplish
if you want to.
Speaker 2 (23:58):
And uh, that's what I'm talking about. So you know
how long your money's going to last, because today, with
inflation and all the things that are going on, you
need to know. So pick up the phone eight three
to three, Maggie Tax. There's no cost, there's no obligation.
You are going to meet with both Chris and I
and we're going to sit down and ask you questions
and find out what your goals are. Be sure to
visit our website, Maggie Tax dot com. I can't emphasize
(24:19):
this enough. Go to the retirement tax bill on the
top right, fill in the information and in thirty seconds
we can tell you what your retirement tax bill is.
And then we can sit down and do some tax
planning because what about inflation, what about higher prices in
purchasing power? What are your retirement expectations? How much will
you need to retire? The questions can you retire today?
(24:39):
And that's what we teach. And get the Maggie Plan
and get a complete plan and go back to one
thing I said, can you retire today? Chris? How many
people come in, even like federal employees, and they want
to retire today. But back in two thousand and two,
two thousand and eight, they thought they could retire. Even
when COVID hit, they thought they could retire. But guess what,
they took a beating and now got to keep working.
Speaker 3 (25:01):
Oh that's just sit you're totally It's a big decision
and it is bad if you don't have a plan.
And when people come in to meet with us, they
ask us, can I retire? We start talking about their income,
because when you stop working, gets what stops the paychecks.
But it doesn't have to happen if you have been
set up the right way. What if you already have
(25:21):
your own family pension already set up for you that
all you do is turn it on, turn on for
guaranteed income. So when you wake up on the first
of the month and you go outside and grab that
check out of your mailbox and you have your Pajamazon,
you can come back in and spend the heck out
of it for the next thirty days and do it
all over again with a great feeling. Right, Well, that's
exactly what we're talking about. So can you retire? Maybe
you can, maybe you can't. Do you want to retire
(25:43):
the way you want to, or do you have to
retire because they make it that way for you?
Speaker 2 (25:48):
What do you want?
Speaker 3 (25:49):
So pick up the phone, schedule time to meet with us.
Get a complete plan. It's called the Maggie plan. What's
the Maggie plan. It's income planning, it's tax planning, it's
investment planning, it's a state planning. It's called getting a
complete plan. That's what we do. So a three to
three Maggie tax.
Speaker 2 (26:03):
And don't wait for something to hit you first before
you do something about it. You know, they say, well,
I dodged a bullet. No, we don't want you to
dodge a bullet. We want you to get out of
the way of that bullet. And that's how we're going
to help you, because have you considered the retirement roadblocks?
You know social Security. The other day I had a
client call me and they got something from Social Security
and their Part B premium went up because of the
ERM attacks. They had no idea what the arm attax was,
(26:26):
so we had to prove it to them that they
go back two years and look at your income because
he made more money and it increased the Part B.
These are stealth taxes. This is legislative risk that we're
talking about. There are many retirement planning mistakes that people made.
What about financial and cash flow statements? I ask people
all the time, Chris and I do you have a budget.
Some people don't even know what a budget is. We
(26:47):
did a segment on the TV a couple of weeks
ago and we did budget planning. I got more calls
that Monday, said we need some help. How can we
do a budget? Because Chris, he was credit card debt.
He didn't just know how to put his money, were
to place it to pay the bills. But he said
I need help, and that's what he did.
Speaker 3 (27:04):
Well, that's just sit education. We talk about this financial education.
You know, it was really a great feeling last week.
I had to go in and teach my kids or
my son's kids at school about financial education. And when
you had to teach second graders about education. It sits
there and makes you make things easy.
Speaker 2 (27:25):
Right.
Speaker 3 (27:25):
You have to make it easy, and that's what we
do for our clients as well. Because things are changing.
My dad talks about the language, the financial language changes.
You have to understand what is going on and what
you can and can't do. So when we talk about education,
you need to be educated. You know, when's the last
class you had on how to put together a retirement plan.
(27:46):
When's the last class you had on taking your investments
and creating guaranteed income. When's the last class you had
on how to combat inflation? We don't have these classes.
They're not taught. That's the disappointing thing. But a MAGI
Tax's Advisory and Financial Group, we're here. We're here to
help you and that's what we do. So in the
Tampa Bay area, there's three offices that you can you
(28:06):
can come and see us. Let's schedule a time to
meet with us. We have our show every Sunday on
ABCTV at ten am. We have the radio shows that
you're listening to today. Come on in, let's have a conversation.
Let's get together. You deserve it a three to three
Maggie tax and don't forget.
Speaker 2 (28:22):
There's many questions that we just got a question from
the chatbox. What is a qualified account? People don't understand
they have a qualified account. It's an IRA. It's a
four oh one K, it's a four oh three B. Folks,
you haven't paid taxes on it. The government said to
us years ago, put some money away on a tax
deferred basis. We'll give you a tax deduction, low year
tax that year, and then later on when you start
(28:45):
taking the money out, like we're talking about it's seventy two,
Well you got to pay a tax. So think about
it this way. We own a company together, right, But
I'm telling you that I want twenty percent, and you say, okay,
that's fine. But next year, I say, you know what
I want, thirty percent. Can you tell me You've got
to be kidding me. I can't give you thirty percent.
But here's my answer to you. You have to because
(29:06):
that's what I have to get. That's the retirement plan.
What I mean is that they're going to raise taxes
on everybody and you're going to have to pay it.
There's no bottom line here except that you can't argue
with them.
Speaker 3 (29:15):
Well, you're talking about the IRA, and that's where people
can understand what you just mentioned here. If you have
an IRA, that's what my dad's talking about. You have
a business with Uncle Sam, and guess what, every year
or every couple of years, they can dictate how much
of that business is theirs and how much they want
so think about that. What if you have a million
dollar IRA. That million dollars is not yours. So right now,
(29:39):
if you liquidated it, guess what, thirty seven percent of
it goes to Uncle Sam. But what in the future,
what if it's forty five percent, What if it's fifty
five percent? What if it's sixty percent? And many people
are saying, well they can't go that high, Well yeah
I can. Really, it's called legislative risk. They can change
the rules. Do you think they know who has the
money out there?
Speaker 2 (30:00):
They do.
Speaker 3 (30:00):
If you have an IRA, they know you got the money.
Guess what they're gonna go after at some point. So
how do you how do you defuse this big tax
time bomb? You have an IRA full one k It's
a tax time bomb? So how do you defuse it?
Speaker 2 (30:13):
We can help.
Speaker 3 (30:13):
That's why there's strategies. That's where there are ways to
get the money out of a taxable environment, to do
a tax free How do you do it? We can
help you. Pick up the phone, schedule time to meet
with us. Eight three three Maggie Tax. If you have
an IRA, stop what you're doing? Write this number down
eight three three Magie Tax. Coming to meet with us.
Let's have a conversation income planning, tax planning. Defuse the
(30:38):
tax time bomb that you have done and save for
for so many years. Eight three three MAGI tax. Visit
our website at Maggie tax dot com and on the
top right hand corner the retirement calculator. In thirty seconds
you can see how much tax you have to pay
and how much a partner, Uncle Sam is with your IRA.
(30:58):
Eight three to three MAGI Taxi Time to meet with
usk A three three D tax.
Speaker 1 (31:04):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma Ggi tax dot com or call eight one three
(31:26):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty Now your host for
the Maggie Tax and Financial Hour, Father and son from
Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 2 (31:41):
Welcome back and thanks for joining us today. My name
is Robert Maggie, and I'm here with my son Chris
Maggie talking about a lot of things. But if you
have questions, go to Maggie tax dot com right now.
There's a chat box on the bottom right. Put in
your question and we'll get back to you on any
of the topics that we're talking about. So let's talk
about the premiums from meta Care Part B and Medicare
(32:02):
Part D prescription drugs, because they can cost almost five
hundred dollars a month more for some enrollees than for
other enrollees in twenty twenty two, and these are going
to go up, and for married couples it could be
even bigger. So the difference can be almost one thousand
dollars a month. And when we talk about this, this
is what you have to think about paying out per
month when you retire or get on Medicare. So the
(32:23):
difference is based on the amount of income reported for
twenty twenty. We talked about this before, Chris, they go
back two years. So we suggest advanced planning to control
these outlays. That's why we sit down and ask you
your income what it's going to be, and do a
mock tax return. So converting traditional IRA money to a
roth iray. It can help hold down the future income
(32:43):
on which Social Security taxation and Medicare premiums will be taxed.
So if a client age is seventy and a half
in older we also talk about charitable donations be made
via qcds and this is going to help someone get
a bigger deduction and give it directly to charity. We
can talk about that. If you have a question on qcds,
there's your opportunity to go to Maggie tax dot Com,
(33:04):
hit the chat box you'll see it on the bottom right,
and ask the question. And we do this in order
to hold down the income that may lead to higher
taxes on Social Security benefits and hire Medicare premium and Chris,
this is where a lot of people miss the boat.
You know they are shocked. Don't we sit there and
tell them this is why you're going to pay more.
And again with medicare going up and you know premiums
(33:26):
going up, you have to be prepared for this stuff, Chris.
And again, the Maggie Plan addresses all of that.
Speaker 3 (33:31):
And that's why it's so important to get an action plan.
And you know, some things to consider taxable income affects
many different aspects of taxation, including the tax on Social
Security benefits and Medicare premium surcharges. Have you been affected
by this listening today? I'm sure some of you have,
And why have you? Because you really haven't had the
planning on it, the education. So roth IRA conversions are appealing,
(33:55):
assuming that the timing, the hurdles are cleared, and converting
traditional IRA to rough accounts provide a totally tax free
future source of investment income. So stop right here, take
a deep breath, take a pause, because think about this.
Would you rather have your environment in retirement tax free
or tax a bull with your retirement accounts? I know
(34:18):
I want tax free money. Many of you listening today
do as well. So how do we get there? It's
not a very simple process. If you have an advisor
who doesn't do this, you need to make sure that
you have a qualified advisor who understands taxes, investments, insurance
and ways to go about converting money in the most
(34:39):
tax efficient way. And that's what we do each and
every day. So it's very simple for us. It's very
very educational, it's very rewarding when we can show you
to never have to pay tax again.
Speaker 2 (34:51):
And here's the plan. When you come to us and
we show you this, we challenge you to take it
back to your advisor you're broker, and ask them how
come they're not showing you this Because what they're showing
you we've seen this many times, Chris taking money out
of a retirement account now for income and paying tax
on it at a higher rate. And again, when you
have the strategies and concepts Chris and I are talking about,
(35:11):
we talked about, assuming the timing hurdles are cleared, converting
these accounts iras to ROTH accounts provide a totally tax
free future source of investment income. And this is what
your advisor is not talking about. So when you go
to maggietax dot com, the chat box is on the
bottom right. I know you're confused. I know that you
need some help. Please put in the question because Roth
(35:32):
iras do not have our mds. Think about it. If
you take a look at my retirement calculator up top.
We've had clients put in seven hundred and fifty thousand
million dollars and then we show them what it's going
to be at seventy two. That's taxable income. Why don't
we look at it and in thirty seconds we can
show you what your tax bill is going to be
and strategically, you know, take it down because go back
(35:53):
to what we talked about before. IRMA IRMA of higher
Medicare premiums, they have a two year time lag. So
in come report at age sixty three will determinate sixty
five premiums. For example, is your tax account and looking
at this and saying, hey, look, Chris, Bobby, you need
to look at this because you're going to have higher
premiums on your Medicare. So high income seniors might consider
(36:14):
extensive roth IRA eight conversions that won't show up for
premiums at or age sixty five, the usual starting age
for Medicare. Even in Dick's universal light policy that we took.
Policy loans, people don't understand policy loans. You know, withdrawals
in long term care benefits can sometimes flow to the
policy holder as tax free cash. Do you know that?
(36:36):
And if you don't pick up the phone, give us
a call eight three to three Maggie Tax. Go to
our website Maggie tax dot com. The chatbox is right there.
If you're driving or sitting home, put in the question,
let's answer it, and then let's get together and meet
with Chris and I because we want to sit down
and have a conversation with you. And that's just it.
Speaker 3 (36:53):
You know, when you come in to meet with us,
we're going to go over all this for you. Make
it simple for you. Take an action plan, get an
action plan. You know, when you come in, we're going
to put together a plan for you. And it's a
holistic a plan. And it's called tax planning. It's income planning,
it's investment planning, it's a state planning, it's roth Ira planning.
It's an approach that you deserve to have. It's not
(37:16):
because you don't have enough money. You deserve to have
this plan. It's a holistic approach. And that's what we
do each and every day, complete planning. And that's what
we do here at Maggie Tax Advisory and Financial Group.
So just to just to look at some of the
things we talked about today, social Security maximization. It could
be taxed up to eighty five percent, but there are
ways to have more income and pay less tax and
(37:37):
not have to deal with the taxation on social Security.
There are ways to do this if you meet with
the right advisor and we can educate you and show
you what about wroth conversions. You have questions about roth conversions,
and pick up the phone. Schedule time to meet with us.
Do it now, Do it now because you have to.
Now is a time, because there's no better time than now,
because as you keep waiting, the time passes by and
(37:58):
then you're not going to be able to to do
what you want to do because your tax might be higher.
So pick up the phone, schedule time to meet with us.
Eight three to three Maggie Tax, and don't forget. Visit
our website at Maggie tax dot com. There's so much
information right there, and also the chat box right there
on the bottom right. If you have a question, write
it in, let's address it, and also don't forget. Every
Sunday on ABC TV, tune in to the Maggie Tax
(38:21):
and Financial Show every Sunday at ten thirty am. Thank
you so much for listening to today's show. Eight three
to three Maggie Tax, and don't forget. If you have
a question, go to our website, Maggie Tax dot com.
And on the lower right hand corner of the chat box.
Put your question in let's address it eight three to
three Maggie Tax.
Speaker 1 (38:37):
You've been listening to the Maggie Tax on Financial Hour
discussing tax planning investment strategies, presented by Robert and Chris
Maggie from Maggie Tax Advisory and Financial Services with offices
in Hillsboro and Panelas County. Visit Maggie Tax dot com
or call eight one three three two two twenty five twenty.
That's eight one three three two two twenty five twenty
(39:00):
and tune in next Saturday at five
All these years you've saved up planning for a secure retirement,
but if you're not careful, it will be the irs
that's living it up when you retire by taxing your
hard earned money. Welcome to the Maggie Tax and Financial
Hour with Robert and Chris Maggie of Maggie Tax Advisory
and Financial Group. With over thirty years of combined experience
in tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest egg from Uncle Sam. Your questions and
comments are welcome during today's program by calling eight one
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty, or visit Maggie
Tax dot com. That's Maggi tax dot com and now
(00:46):
your host for the Maggie Tax Financial Hour on nine
seventy WFLA. Robert and Chris Maggie.
Speaker 2 (00:52):
Welcome everyone, and thanks for joining us today. My name
is Robert Maggie and I'm here with my son and
co host, Chris Maggie. Be sure to visit our website,
Maggie Tax dot Com and click on the retirement calculator
on the top and see what your tax bill is
going to be in retirement. Be sure to watch your
TV show every Sunday ten thirty am on ABC TV.
We have a lot we're talking about to try to
(01:14):
educate everybody, and it's something, Chris, that a lot of
people need. When they come in and see us, there
are more I guess, frightened as to what they're going
to be sold or anything like that. But when it
comes to what we do, we educate and I have
to tell you many people that come in and they leave,
they go like, Wow, this is what I expected. So
let's talk about that. We're going to talk about who's
helping you plan your retirement because this is very important.
(01:35):
And Chris take it away.
Speaker 3 (01:37):
Well, welcome everyone, Thank you so much for tuning into
our show. And the question we have for all of
you out there is are you confused? And what I
mean by that is do you really know who you're
working with? And what I mean by that is who
are you working with with your retirement plans? And a
lot of people think, well, all advisors are the same.
Well let's go ahead and dive into that, and let's
(01:58):
educate you all because they're not. There's a couple of
different advisors out there who you know, basically describe themselves
as a financial advisor, and sometimes they're really not. But
there's insurance agents out there, There are brokers, and there
also are investment advisor representatives. And we're going to dive
into all those three different types of advisors just to
(02:19):
clarify because sometimes when you're getting the advice from these individuals,
it might be just leaning towards what they want instead
of what you want.
Speaker 2 (02:29):
So let's dive into what an insurance agent is a
great point, Chris, and you know, just to you know
complete that when I started in this business years ago,
you sold a product. You worked for a company, and
that's all you sold. Like for an insurance agent, they
sold you life insurance or health insurance and that was it.
What happened in my career is that people kept asking me,
can you do more? Is there something else you can do?
(02:52):
So when you talk about an insurance agent, they get
paid on commissions on product transactions, and Chris, you talk
about being transactional advisor, and that's what they're supposed to do,
so they work on behalf of their affiliated insurance carrier.
And there's many insurance carriers out there. We'll licensed to
a lot of them. So you work for them and
you're held to the suitability standards, not fiduciary standards. Christen,
(03:16):
that is so important when you're speaking to a client.
So think about this.
Speaker 3 (03:19):
You meet with an insurance agent, you have questions about
social security, about retirement planning, about the market, about what
to do with income planning and investment planning, and basically
all they do is insurance. So sometimes they might just
steer you in the wrong direction and say, hey, no,
don't invest in the market, just invest in this product,
or you need just life insurance because that's all they do,
(03:42):
is they sell life insurance. Or maybe they just sell
long term care and medicare. That's all they do insurance agents, right,
so they just don't look at the big picture. They
just deal with insurance products. So just to summarize on that,
they work on behalf of their boss or their company.
They're held to suitability standards, not fiduciary standards. So that's
(04:02):
an insurance agent. So let's go into maybe what we
all hear of is a broker, right, we hear a broker's. Well,
what's a broker, Well, that's a registered representative. They usually
work with a brokerage company. Well, they're held to suitability
standards again and not fiduciary standards. They work on commissions
(04:23):
on product transactions. So think about that. You work with
an advisor who buys and sells, you're in the market.
Every time they buy a mutual fund or sell a fund,
there could be a load or an expense or a charge,
and that's a commission. But what they work on behalf
of their affiliated brokerage firm. So think about that. Every
time you buy a stock or sell a stock, there's
(04:44):
a commission or a bond, there is a commission generated,
So think about that. That is a broker. So if
you're looking for again an income plan or a tax plan,
or a Social Security maximization, or you want them to
manage your money, think about that. But they really giving
you the right advice. So many people out there think,
oh my gosh, well I might be meeting with an insurantation,
(05:05):
I might be meeting with a broker, but that's really
not what I want. So those are two different advisors
that are out there that you just should be aware
are they bad? No, that they just kind of limited
to what they can and can't do. So that leads
us to what an investment advisor representative is, and let's
talk about that.
Speaker 2 (05:24):
An investment advisor REP is a little different because they
are held to a fiduciary standard, which many people ask
us and they always say, are you a fiduciary? Because
legally required to put the client's interest first and they
work solely on behalf of you, the client in a
fiduciary capacity. What does that mean? It means that when
you meet with a fiduciary, they're going to cover everything
(05:47):
that Chris just mentioned from medicare, social security, insurance, income planning,
tax planning, investment planning, because that's a complete plan and
that's what we do with Maggie Tax. We're a complete advisor.
So there's nothing wrong with an insurance agent if that's
all they choose to do, that's fine. The brokers, there's
nothing wrong with that if that's what they choose. But
(06:07):
when you work with an investment advisor REP, it's a
bigger picture where we can answer a lot more questions
and what they can.
Speaker 3 (06:14):
And that's why at Maggie Investment Services we are a fiduciary,
We are an investment advisor representative firms. So what we
do here is we've got to do the best thing
for you. And incorporated with Maggie Tax Advisory and Financial Group,
we do complete planning. As my dad mentioned, so we
can do an income plan, we could do a tax plan,
we could do investment plans. We could do SOLI security maximization,
we could do medicare, we could do long term care.
(06:36):
There's a lot of tax strategies that you could take
advantage of. So that's why I asked that question, who
are you working with? Are you confused? And before someone
comes to your house or you go to someone's office,
you should ask them are they a fiduciary or are
they just an insurance agent? Or are they just a broker?
So those things that you should ask whenever you're meeting
(06:57):
with someone. And that's why when we do our show here,
we are an investment advisor representative and that's what I
am at Maggie Investment Services. We have the fiduciary responsibility
the best thing for you, so we can put together
a complete plan, an investment plan, we can give you
the advice, we can give you advice on insurance products,
on how to generate income, on life insurance, on how
(07:19):
to maximize your social security. So these are the things
that we do, and I just wanted to make sure
that the people out there understand who you are working
with and if you have any questions, just pick up
the phone, schedule time to meet with us.
Speaker 2 (07:30):
Eight three to three maggie tax. That's eight three to
three maggie tax. And just remember the landscape of the
investment business or whatever you want to call it, taxes
insurance has changed. So when you talk about a complete advisor,
we specialize in helping all our clients save hundreds of
thousands of dollars in taxes and it has to relate
(07:50):
to the statements that they have to show them the comparison.
We increase the amount of income that can generate in
retirement because right now, I think Chris, the biggest question Again,
if you go to a website, on the top you'll
see the retirement calculator. What is your tax bill in retirement?
Do you know what you want to know? And a
lot of clients that have gone there, we've helped make
them understand, wow, they've got a tax, but we got
(08:12):
to do something with it, so reduce the overall risk
and your retirement approach and sit down with a complete
advisor like Chris is talking about, and I'm talking about
a fiduciary, because they're going to answer all your questions
and come to the table with questions. That's where I
think a lot of people Chris are like intimidated, like
they're gonna sell me something. But that's not the case.
Speaker 3 (08:31):
Well that's just said. I mean, people just don't know
where to go. You know, we have countless stories of
people coming in and meeting with us and just really
have no direction and they're asking for help and they
just don't know where to go. And when we put
together a plan it's called the Maggie Plan, we educate you.
We educate you on a lot of different topics and
why you deserve to. You know, when's the last class
you had on all this stuff? You haven't you need to.
(08:53):
That's why we invite you to come in and meet
with us. Visit our website at Maggie tex dot com.
There's so much information rate there, lot of videos, a
lot of education. We do our radio show, we do
our TV show every Sunday on ABC TV. At ten thirty.
Why because you need to get educated. So that's what
we can do. We can help you know a lot
of different ways eight three to three Maggie tax And in.
Speaker 2 (09:14):
Talking about all the agents the advisors out there, we
take a macro approach to reducing taxes and income. Most
financial advisors they take a micro approach, meaning from twelve months,
whatever happens during this year, which aims to reduce your
taxes in a single given year. But we take a
macro approach and again approach. When you go to the
(09:35):
retirement calculator, you'll see what we're talking about. You're going
to have a lot of taxes to pay on your
ERI because it was deferred. No one's paid the tax.
What's the tax rate? We don't know, So understand with
the difference when you talk about macro and micro and
at our company, we're most interested in reducing lifetime taxes
through a macro approach, so the total amount of taxes
(09:56):
you pay is as low as possible. And Chris, we've
helped many people come int and say we know we
could do that absolutely.
Speaker 3 (10:02):
So what's your tax bill? What are you confused about?
Who are you working with? Even today? You might have
been with an advisor for five years or ten years.
Are they an insurance agent? Are they a broker or
are they a complete advisor? Maybe an investment advisor representative.
So pick up the phone, schedule time to meet with us.
If you don't know, no problem, let's get together, have
a conversation. We can tell you and then you can
(10:23):
determine who do you want to work with moving forward,
Because as my dad mentioned, we take a macro approach.
We look at everything over time. Why because taxes are
increasing they will at some point we need to be
ready for it. We live in a tax increasing error.
Let's go ahead and put together a strategy to help you.
Pick up the phone. Schedule time to meet with us
eight three to three Maggie Tax, and don't forget. Tune
(10:46):
into the Maggie Tax and Financial Show every Sunday at
ten thirty on ABC. Pick up the phone, schedule time
to meet with us eight three to three Maggie Tax.
Speaker 1 (10:57):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host father and son, Robert and Chris,
Maggie for additional information, on how you can create a
tax free retirement. Visit Maggie tax dot com. That's ma
gg I tax dot com or call eight one three
(11:19):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty. Now your host for
the Maggie Tax and Financial Hour. Father and son from
Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 3 (11:35):
Welcome back to the Maggie Tax and Financial Show, and
thank you so much for tuning in. You know, we
love doing what we do. Why because you know, we
help people. We help people reduce their tax We help
people design an income plan for guaranteed income for the
rest of their life. We design investment plans. You know,
many people out there have form on K's investment plans.
They have no idea what kind of risk they're currently
(11:56):
taking with their accounts. Well, we can help. Many people
have form on K's old ones. They don't know what
to do with it or even lum sum pension plans.
What do you do with it?
Speaker 2 (12:04):
Do you take it? Do you roll it over? What
do you do?
Speaker 3 (12:07):
What about converting money from an infected area of taxes
to tax free and eliminate Uncle Sam. Those are the
things we do. Why because you need a plan and
we know that. That's why we are do complete planning.
If you have an estate planning issue, you need will
or a trust of have attorney. We can help as well.
(12:27):
We have people, we have staff, we have professionals there
to help you. We put together complete plans. That's what
we call the Maggie Plan. So schedule time to meet.
Let's pick up the phone. Schedule time eight three three.
Maggi Tax. Visit our website at Maggi tax dot com.
Speaker 2 (12:42):
And there's a reason why we have our name Maggie
Tax and Financial Group because we specialize in taxes and
advanced taxes and financial planning. And you know, ask your CPA.
And this is an interesting story. We met with a
gentleman this week and you know, we had a CPA
for years and you know, trusted him. And he came
in and he said, look, I want to get a
second opinion, which is fine and all of you can
(13:04):
get a second opinion. But when we showed him what
his CPA Chris should have showed him, he went back
to a CPA and a CPA said, well that's not good.
Well do you mean it's not good. It's not good
because he didn't tell him. Well, that's just said.
Speaker 3 (13:17):
It's a great segue into a great situation that a
lot of people should be hearing. He was with his
CPA for twenty five years, had a great relationship business
during the accumulation phase. You know, when we analyzed his
current situation, we noticed that there was a lot of
a shares mutual funds with a shares front end loaded.
(13:37):
So he paid a lot of commissions years ago on
these products that he had and hey, the market did well,
so his accounts up. But at the end of the day,
he's seen a lot of volatility, especially with what's happening now,
and he's at the point where him and his wife
want the distribution phase.
Speaker 2 (13:54):
They want to protect what they have gotten.
Speaker 3 (13:57):
So now he goes back to his he gets the
second opinion with us, and we showed him we analyzed
accounts and the fees that he's paying and type of
risk that he's currently taking with his accounts, and he's
basically saying, I want safety, I want safety. But guess what,
he has got about ninety percent of his money in risk,
So he's his CPA currency B He's not listening to him.
They're not listening to what he and his wife wants.
(14:19):
So he came to us and he wanted an income plan,
he want a tax plan, he wanted a way in
an investment plan to make sure that everything is in
the right order. So guess what, we put together a
whole plan for him. So he came back into a
CPA and he told him, Hey, I'm going to transfer
my money over. He done a great job, and his
CPA went nuts. And his CPA went nuts because he's
a transactional advisor. He's a transactional advisor and he didn't
(14:42):
want to lose the business, but he wasn't listening to
the client. And that's where they said, you know what,
I don't care. I've been there for twenty five years.
They thanked him very much for all his work, but
now it's time to move on and move on to
someone who specialized in the distribution phase of ever time.
And that's what we did. So here's what we did.
We put together buckets of safety, We put together buckets
(15:05):
of long term growth. We put buckets together where he
has tax free money. We showed him to get money
out of an infected area of taxes to tax free.
We eliminate Uncle Sam forever and ever and ever for
some of his accounts. So guess what he has the
opportunity to have tax free income, and guess what his
money has is safe, and guess what he has a
(15:26):
plan that he didn't have before. And to wrap it
all up, all his accounts that he had, there was
no beneficiaries, there was no estate plan. So his CPA
for twenty five years he thought was doing the right
work didn't. So if that's you pick up the phone,
schedule time to meet with us, Let's get together, you know.
Speaker 2 (15:44):
And another point, we had met a client this week.
He came in and he hears us on the radio
forew years and he wanted to talk about his FRS
because he's he works at USF And he said, I
hear you guys talk about FRS, that the retirement plan
and also with the federal people, the fers. But in addition,
he said, the reason why I want to work with
you guys is because you're a fiduciary. He understands what
(16:07):
a fiduciary is. And what Chris just mentioned, we just
did the whole plan for him that the CPA didn't
do so you everyone listening has the right to go
back and ask Kim or her why they didn't show
you what we did. And I have no problem with it.
Neither does Chris because the egg on their faces on them.
And you know what, if you just sit there and
(16:28):
do nothing, that's not a plan. And I will tell
you as we are been talking today about taxes. We
understand taxes. We understand advanced tax planning. So look, pick
up the phone eight three to three, Maggie Tax. Visit
my website Maggie tax dot com. Go to the top
the retirement calculator, just for laughs and giggles. Put anything
in you want. And when I get you're going to
(16:48):
get an email to show you and then we can
give you a call and go from there. Folks. Look,
we have a free consultation. And one more thing, Chris,
let's mention. You are going to meet with both Chris
and I. And this is a big problem for a
lot of people out there where they have advisors that
had in the past, Chris and they don't even get
a chance to see them. And that's not the way
it works, you.
Speaker 3 (17:06):
Know, and that's just it. You know, when you come
in to meet with us. We're gonna meet with you
and we enjoy it. Why because there's so much there
to help you. And you know, when we look at
that situation that I just mentioned about, that the clients
with twenty five years, with the current CPA twenty five years,
they should have had it real They should have had
an estate plan, they should have had an income plan,
they should have had a tax free plan, they should
(17:27):
have had an investment plan. They should have had all
this done already for twenty five years in a relationship.
If you haven't gotten that done, then shame on them.
And you know what, that's why we get upset. We
get anomated about this because if your current advisor is
just selling you something and they're more transactional advisor, you
don't need to be with a transactional advisor. You need
to be with a complete advisor. And that's what we
do here at Maggie Tax Advisory in Financial Group. So
(17:49):
pick up the phone, schedule a time to meet with us,
Visit our website at Maggie tax dot com. You want
income planning, we can help you want investment planning, we
can help you. Want to roll out your money from
an eye to a Rothira Roth conversions. We can help.
Do you want a tax plan we can help. Do
you want to stay planning? We can help. Do you
want help with Medicare? If you are a federal employee
(18:10):
with your furs or your serves benefits, we can help.
So again, sol scarity maximization, we can help. That's what
we do here Maggie tax dot com. Pick up the phone,
schedule of time to meet with us.
Speaker 2 (18:21):
So tax analysis, tax planning, that's what we do. Eight
three three Magi tax. It's a new concept. It's available
to everyone listening to the Magi Tax Show today. Go
to Maggie tax dot com. Check it out your CPA
tax payers should be discussing lowering taxes, not just preparing them.
And Chris. The other thing is like every year we
(18:41):
show our clients from the tax return why they're paying
taxes and how they can reduce it. Many of you
want that, so give us a call eight three three
Magi Tax. Be sure to watch our show every Sunday
ten thirty on ABCTV. Eight three three Magi Tax. That's
eight three to three Magi Tax.
Speaker 1 (19:00):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie tax dot com. That's
Maggi tax dot Com or call eight one three three
(19:22):
two two twenty five twenty. That's eight one three three
two two twenty five twenty. Now your host for the
Maggie Tax and Financial Hour, father and son from Maggie
Tax Advisory in Financial Group, Robert and Chris Maggie.
Speaker 2 (19:38):
Welcome back to the Maggie Tax and Financial Show. I'm
here with my son Chris, and I am the dad Bobby,
So give us a call eight three three Maggie Tax.
Be sure to visit our website Maggie tax dot com
and click on the retirement calculator and see what your
retirement tax bill is going to be. Then pick up
the phone give us a call. So this is on you, folks.
We're trying to educate you because who should set an
(19:59):
appointment with me? Maggie techs and we have something for everyone.
We address financial issues that pertain to the self employed
as well as employees of corporations and government agencies. We
work with federal employees. We work with many state employees
and federal employees. Why because they don't know their benefits. Okay,
federal employees don't even know they have a TSP, which
(20:20):
don't know what to do with it. They get a pension,
they don't even know that. So it's about education. So
when we run the report, and if you're a federal
employee out there, give us a call and we'll show
you what's going what's going to happen. And our goal
is to teach you how to build wealth and align
your money with your values to accomplish your goals in life. Chris,
people don't talk about goals. People talk about just a
(20:41):
pile of money. That's what advisors do out there, and
they're not addressing from the ground up. That's a complete advisor.
Speaker 3 (20:48):
Well, you mentioned a keyword right in that sentence is
yours your values? Your y Oh, you are your why
because this is your money, right, this is your goals,
not my goals, not your advisor's goals.
Speaker 2 (20:59):
It's your goals. What are your goals? What do you want?
Speaker 3 (21:01):
Do you want more income? Do you want to leave
a legacy? Do you want to do a tax free.
Do you want to pay less tax? Do you want
to make fifteen percent, twenty percent, thirty percent? Are you
okay with ups and downs of the market? What are
your goals?
Speaker 2 (21:13):
Can I ask you a question? Sure? Can you define
something for me? Go ahead? What's a yo? Yo? Yo?
Speaker 1 (21:19):
Yo?
Speaker 3 (21:19):
Goes up and down? And that's what we talk about.
You're in a yoo economy. You're on your own, so
guess what. You're on your own to develop your own plan.
But we can help you, and that's why we do
the show. That's why we're here. We enjoy what we do.
You know, we have offices on both sides of the day.
Speaker 2 (21:35):
To help you.
Speaker 3 (21:36):
You know, when you come in, you go to meete
with us. Why because we want to help you put
together a plan, an income plan, a tax plan, investment plan,
and a state plan. So whether you plan to retire
twenty years from how or you maybe just have recently retired,
the information that you learn from us, we can deliver
rewards throughout your lifetime because now you'll have a plan, confidence, clarity.
(21:58):
That's what you want. You want to power, empower yourself
and then we can help you. You know, you went
to school to what prepare for your career. Now it's
time to prepare for your retirement and we can help.
So pick up the phone, schedule time to meet with us.
Eight three three Maggie Tacks.
Speaker 2 (22:13):
Well that was powerful. That's the truth. I mean, education
is about, you know, retirement, and you never should stop learning.
We have written quite a few books and when you
come in we'll show you what they are. But you know,
you've got to learn something new every day. So things
we do for our clients. What about life planning for
retirement Chris? And do they have life insurance? Are you
still using the old rules for retirement?
Speaker 1 (22:33):
No?
Speaker 2 (22:33):
And that's it.
Speaker 3 (22:33):
Do you have a complete planet? Do you have an
incomplete plan? But I want to add here this is
really important. You retire once. We retire each and every day.
Every day we retire because we help people make that
decision whether they should retire and if they can retire.
So we retire every day. You retire once. Let us
help you get to that level.
Speaker 2 (22:53):
You know one thing, We get many clients that come
in and they say, I'm listening to you for years
and we watch your TV show every Sunday to you
three years ago, and I always asked them what took
you so long? And what took them so long is
they weren't ready. Okay, they just weren't ready. So what
about early retirement trends? Do you have enough income to
live on now and in retirement? It's called income planning.
One question that we ask all of you, We ask
(23:15):
everyone that comes in think about it. You're working, you're
getting a paycheck, this is what Chris was talking about.
But when you retire, what's the income you need per month?
And how are we going to solve for that? And
one way that we solve for that is by bucket planning.
So next time you take a bucket to put water
in and mop the floor, put a few buckets down,
one for income, one for insurance, one for tax, and
(23:37):
one for investment. That's bucket planning.
Speaker 3 (23:40):
I'm sorry as a current advisor putting that together for you,
or they just have one statement that comes in and
this is what you have.
Speaker 2 (23:45):
That's the only bucket there is. That's not a bucket
plan that's a pile of money.
Speaker 1 (23:49):
I know.
Speaker 3 (23:50):
But you want to make sure your buckets. Why because
you deserve to, You deserve to combat inflation, you deserve
to have play checks. There's other things you can accomplish
if you want to.
Speaker 2 (23:58):
And uh, that's what I'm talking about. So you know
how long your money's going to last, because today, with
inflation and all the things that are going on, you
need to know. So pick up the phone eight three
to three, Maggie Tax. There's no cost, there's no obligation.
You are going to meet with both Chris and I
and we're going to sit down and ask you questions
and find out what your goals are. Be sure to
visit our website, Maggie Tax dot com. I can't emphasize
(24:19):
this enough. Go to the retirement tax bill on the
top right, fill in the information and in thirty seconds
we can tell you what your retirement tax bill is.
And then we can sit down and do some tax
planning because what about inflation, what about higher prices in
purchasing power? What are your retirement expectations? How much will
you need to retire? The questions can you retire today?
(24:39):
And that's what we teach. And get the Maggie Plan
and get a complete plan and go back to one
thing I said, can you retire today? Chris? How many
people come in, even like federal employees, and they want
to retire today. But back in two thousand and two,
two thousand and eight, they thought they could retire. Even
when COVID hit, they thought they could retire. But guess what,
they took a beating and now got to keep working.
Speaker 3 (25:01):
Oh that's just sit you're totally It's a big decision
and it is bad if you don't have a plan.
And when people come in to meet with us, they
ask us, can I retire? We start talking about their income,
because when you stop working, gets what stops the paychecks.
But it doesn't have to happen if you have been
set up the right way. What if you already have
(25:21):
your own family pension already set up for you that
all you do is turn it on, turn on for
guaranteed income. So when you wake up on the first
of the month and you go outside and grab that
check out of your mailbox and you have your Pajamazon,
you can come back in and spend the heck out
of it for the next thirty days and do it
all over again with a great feeling. Right, Well, that's
exactly what we're talking about. So can you retire? Maybe
you can, maybe you can't. Do you want to retire
(25:43):
the way you want to, or do you have to
retire because they make it that way for you?
Speaker 2 (25:48):
What do you want?
Speaker 3 (25:49):
So pick up the phone, schedule time to meet with us.
Get a complete plan. It's called the Maggie plan. What's
the Maggie plan. It's income planning, it's tax planning, it's
investment planning, it's a state planning. It's called getting a
complete plan. That's what we do. So a three to
three Maggie tax.
Speaker 2 (26:03):
And don't wait for something to hit you first before
you do something about it. You know, they say, well,
I dodged a bullet. No, we don't want you to
dodge a bullet. We want you to get out of
the way of that bullet. And that's how we're going
to help you, because have you considered the retirement roadblocks?
You know social Security. The other day I had a
client call me and they got something from Social Security
and their Part B premium went up because of the
ERM attacks. They had no idea what the arm attax was,
(26:26):
so we had to prove it to them that they
go back two years and look at your income because
he made more money and it increased the Part B.
These are stealth taxes. This is legislative risk that we're
talking about. There are many retirement planning mistakes that people made.
What about financial and cash flow statements? I ask people
all the time, Chris and I do you have a budget.
Some people don't even know what a budget is. We
(26:47):
did a segment on the TV a couple of weeks
ago and we did budget planning. I got more calls
that Monday, said we need some help. How can we
do a budget? Because Chris, he was credit card debt.
He didn't just know how to put his money, were
to place it to pay the bills. But he said
I need help, and that's what he did.
Speaker 3 (27:04):
Well, that's just sit education. We talk about this financial education.
You know, it was really a great feeling last week.
I had to go in and teach my kids or
my son's kids at school about financial education. And when
you had to teach second graders about education. It sits
there and makes you make things easy.
Speaker 2 (27:25):
Right.
Speaker 3 (27:25):
You have to make it easy, and that's what we
do for our clients as well. Because things are changing.
My dad talks about the language, the financial language changes.
You have to understand what is going on and what
you can and can't do. So when we talk about education,
you need to be educated. You know, when's the last
class you had on how to put together a retirement plan.
(27:46):
When's the last class you had on taking your investments
and creating guaranteed income. When's the last class you had
on how to combat inflation? We don't have these classes.
They're not taught. That's the disappointing thing. But a MAGI
Tax's Advisory and Financial Group, we're here. We're here to
help you and that's what we do. So in the
Tampa Bay area, there's three offices that you can you
(28:06):
can come and see us. Let's schedule a time to
meet with us. We have our show every Sunday on
ABCTV at ten am. We have the radio shows that
you're listening to today. Come on in, let's have a conversation.
Let's get together. You deserve it a three to three
Maggie tax and don't forget.
Speaker 2 (28:22):
There's many questions that we just got a question from
the chatbox. What is a qualified account? People don't understand
they have a qualified account. It's an IRA. It's a
four oh one K, it's a four oh three B. Folks,
you haven't paid taxes on it. The government said to
us years ago, put some money away on a tax
deferred basis. We'll give you a tax deduction, low year
tax that year, and then later on when you start
(28:45):
taking the money out, like we're talking about it's seventy two,
Well you got to pay a tax. So think about
it this way. We own a company together, right, But
I'm telling you that I want twenty percent, and you say, okay,
that's fine. But next year, I say, you know what
I want, thirty percent. Can you tell me You've got
to be kidding me. I can't give you thirty percent.
But here's my answer to you. You have to because
(29:06):
that's what I have to get. That's the retirement plan.
What I mean is that they're going to raise taxes
on everybody and you're going to have to pay it.
There's no bottom line here except that you can't argue
with them.
Speaker 3 (29:15):
Well, you're talking about the IRA, and that's where people
can understand what you just mentioned here. If you have
an IRA, that's what my dad's talking about. You have
a business with Uncle Sam, and guess what, every year
or every couple of years, they can dictate how much
of that business is theirs and how much they want
so think about that. What if you have a million
dollar IRA. That million dollars is not yours. So right now,
(29:39):
if you liquidated it, guess what, thirty seven percent of
it goes to Uncle Sam. But what in the future,
what if it's forty five percent, What if it's fifty
five percent? What if it's sixty percent? And many people
are saying, well they can't go that high, Well yeah
I can. Really, it's called legislative risk. They can change
the rules. Do you think they know who has the
money out there?
Speaker 2 (30:00):
They do.
Speaker 3 (30:00):
If you have an IRA, they know you got the money.
Guess what they're gonna go after at some point. So
how do you how do you defuse this big tax
time bomb? You have an IRA full one k It's
a tax time bomb? So how do you defuse it?
Speaker 2 (30:13):
We can help.
Speaker 3 (30:13):
That's why there's strategies. That's where there are ways to
get the money out of a taxable environment, to do
a tax free How do you do it? We can
help you. Pick up the phone, schedule time to meet
with us. Eight three three Maggie Tax. If you have
an IRA, stop what you're doing? Write this number down
eight three three Magie Tax. Coming to meet with us.
Let's have a conversation income planning, tax planning. Defuse the
(30:38):
tax time bomb that you have done and save for
for so many years. Eight three three MAGI tax. Visit
our website at Maggie tax dot com and on the
top right hand corner the retirement calculator. In thirty seconds
you can see how much tax you have to pay
and how much a partner, Uncle Sam is with your IRA.
(30:58):
Eight three to three MAGI Taxi Time to meet with
usk A three three D tax.
Speaker 1 (31:04):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma Ggi tax dot com or call eight one three
(31:26):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty Now your host for
the Maggie Tax and Financial Hour, Father and son from
Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 2 (31:41):
Welcome back and thanks for joining us today. My name
is Robert Maggie, and I'm here with my son Chris
Maggie talking about a lot of things. But if you
have questions, go to Maggie tax dot com right now.
There's a chat box on the bottom right. Put in
your question and we'll get back to you on any
of the topics that we're talking about. So let's talk
about the premiums from meta Care Part B and Medicare
(32:02):
Part D prescription drugs, because they can cost almost five
hundred dollars a month more for some enrollees than for
other enrollees in twenty twenty two, and these are going
to go up, and for married couples it could be
even bigger. So the difference can be almost one thousand
dollars a month. And when we talk about this, this
is what you have to think about paying out per
month when you retire or get on Medicare. So the
(32:23):
difference is based on the amount of income reported for
twenty twenty. We talked about this before, Chris, they go
back two years. So we suggest advanced planning to control
these outlays. That's why we sit down and ask you
your income what it's going to be, and do a
mock tax return. So converting traditional IRA money to a
roth iray. It can help hold down the future income
(32:43):
on which Social Security taxation and Medicare premiums will be taxed.
So if a client age is seventy and a half
in older we also talk about charitable donations be made
via qcds and this is going to help someone get
a bigger deduction and give it directly to charity. We
can talk about that. If you have a question on qcds,
there's your opportunity to go to Maggie tax dot Com,
(33:04):
hit the chat box you'll see it on the bottom right,
and ask the question. And we do this in order
to hold down the income that may lead to higher
taxes on Social Security benefits and hire Medicare premium and Chris,
this is where a lot of people miss the boat.
You know they are shocked. Don't we sit there and
tell them this is why you're going to pay more.
And again with medicare going up and you know premiums
(33:26):
going up, you have to be prepared for this stuff, Chris.
And again, the Maggie Plan addresses all of that.
Speaker 3 (33:31):
And that's why it's so important to get an action plan.
And you know, some things to consider taxable income affects
many different aspects of taxation, including the tax on Social
Security benefits and Medicare premium surcharges. Have you been affected
by this listening today? I'm sure some of you have,
And why have you? Because you really haven't had the
planning on it, the education. So roth IRA conversions are appealing,
(33:55):
assuming that the timing, the hurdles are cleared, and converting
traditional IRA to rough accounts provide a totally tax free
future source of investment income. So stop right here, take
a deep breath, take a pause, because think about this.
Would you rather have your environment in retirement tax free
or tax a bull with your retirement accounts? I know
(34:18):
I want tax free money. Many of you listening today
do as well. So how do we get there? It's
not a very simple process. If you have an advisor
who doesn't do this, you need to make sure that
you have a qualified advisor who understands taxes, investments, insurance
and ways to go about converting money in the most
(34:39):
tax efficient way. And that's what we do each and
every day. So it's very simple for us. It's very
very educational, it's very rewarding when we can show you
to never have to pay tax again.
Speaker 2 (34:51):
And here's the plan. When you come to us and
we show you this, we challenge you to take it
back to your advisor you're broker, and ask them how
come they're not showing you this Because what they're showing
you we've seen this many times, Chris taking money out
of a retirement account now for income and paying tax
on it at a higher rate. And again, when you
have the strategies and concepts Chris and I are talking about,
(35:11):
we talked about, assuming the timing hurdles are cleared, converting
these accounts iras to ROTH accounts provide a totally tax
free future source of investment income. And this is what
your advisor is not talking about. So when you go
to maggietax dot com, the chat box is on the
bottom right. I know you're confused. I know that you
need some help. Please put in the question because Roth
(35:32):
iras do not have our mds. Think about it. If
you take a look at my retirement calculator up top.
We've had clients put in seven hundred and fifty thousand
million dollars and then we show them what it's going
to be at seventy two. That's taxable income. Why don't
we look at it and in thirty seconds we can
show you what your tax bill is going to be
and strategically, you know, take it down because go back
(35:53):
to what we talked about before. IRMA IRMA of higher
Medicare premiums, they have a two year time lag. So
in come report at age sixty three will determinate sixty
five premiums. For example, is your tax account and looking
at this and saying, hey, look, Chris, Bobby, you need
to look at this because you're going to have higher
premiums on your Medicare. So high income seniors might consider
(36:14):
extensive roth IRA eight conversions that won't show up for
premiums at or age sixty five, the usual starting age
for Medicare. Even in Dick's universal light policy that we took.
Policy loans, people don't understand policy loans. You know, withdrawals
in long term care benefits can sometimes flow to the
policy holder as tax free cash. Do you know that?
(36:36):
And if you don't pick up the phone, give us
a call eight three to three Maggie Tax. Go to
our website Maggie tax dot com. The chatbox is right there.
If you're driving or sitting home, put in the question,
let's answer it, and then let's get together and meet
with Chris and I because we want to sit down
and have a conversation with you. And that's just it.
Speaker 3 (36:53):
You know, when you come in to meet with us,
we're going to go over all this for you. Make
it simple for you. Take an action plan, get an
action plan. You know, when you come in, we're going
to put together a plan for you. And it's a
holistic a plan. And it's called tax planning. It's income planning,
it's investment planning, it's a state planning, it's roth Ira planning.
It's an approach that you deserve to have. It's not
(37:16):
because you don't have enough money. You deserve to have
this plan. It's a holistic approach. And that's what we
do each and every day, complete planning. And that's what
we do here at Maggie Tax Advisory and Financial Group.
So just to just to look at some of the
things we talked about today, social Security maximization. It could
be taxed up to eighty five percent, but there are
ways to have more income and pay less tax and
(37:37):
not have to deal with the taxation on social Security.
There are ways to do this if you meet with
the right advisor and we can educate you and show
you what about wroth conversions. You have questions about roth conversions,
and pick up the phone. Schedule time to meet with us.
Do it now, Do it now because you have to.
Now is a time, because there's no better time than now,
because as you keep waiting, the time passes by and
(37:58):
then you're not going to be able to to do
what you want to do because your tax might be higher.
So pick up the phone, schedule time to meet with us.
Eight three to three Maggie Tax, and don't forget. Visit
our website at Maggie tax dot com. There's so much
information right there, and also the chat box right there
on the bottom right. If you have a question, write
it in, let's address it, and also don't forget. Every
Sunday on ABC TV, tune in to the Maggie Tax
(38:21):
and Financial Show every Sunday at ten thirty am. Thank
you so much for listening to today's show. Eight three
to three Maggie Tax, and don't forget. If you have
a question, go to our website, Maggie Tax dot com.
And on the lower right hand corner of the chat box.
Put your question in let's address it eight three to
three Maggie Tax.
Speaker 1 (38:37):
You've been listening to the Maggie Tax on Financial Hour
discussing tax planning investment strategies, presented by Robert and Chris
Maggie from Maggie Tax Advisory and Financial Services with offices
in Hillsboro and Panelas County. Visit Maggie Tax dot com
or call eight one three three two two twenty five twenty.
That's eight one three three two two twenty five twenty
(39:00):
and tune in next Saturday at five
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