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 (00:53):
Welcome to the Maggie taxin Financial Show, where your money
meets mastery. I'm Bobby Maggie, and every week we dive
deep into the dollars and cents behind your financial future.
Whether you're a business owner, a working professional, or just
trying to make sense of your taxes. This is your
front row seat to clarity, strategy and financial environment. So
(01:14):
from tax tips that save you thousands to financial insights
that build your legacy, We're not just talking numbers, We're
changing lives. So buckle up because today's episode is packed
with powerful tools, expert advice, and maybe even a few surprises.
So Chris, let's unlock your financial potential with these folks
right here, right now today.
Speaker 3 (01:35):
Well, let's say welcome everyone. I'm Chris Maggie and thank
you so much for tuning into the Maggie Tax and
Financial Show and glad to be here as always because
there's so much information that we want to share with you.
Visit our website at Maggie tax dot com. That's m
A G G I T a X dot com, Maggie
tax dot com and don't forget Every Sunday on ABCTV,
tune into our show right on TV ten thirty am
(01:56):
for the Magi Tax and Financial Show. So we do
tax planning, income planning, investment planning, and state planning, so
security maximization planning, we do complete planning is the bottom
line is all you really want to understand is that
you want to work with an advisor who looks at everything.
Speaker 2 (02:11):
You know.
Speaker 3 (02:11):
If you're getting income, you want to make sure they
get income on the most tax efficient way. If you
have investments, you want to make sure that you're paying
leads mountain taxes. So that's what we do. Our telephone
numbers eight three three MAGI tax pick up the phone,
schedule time to meet with us anytime.
Speaker 2 (02:25):
So a couple things right now, the power of purposeful
income planning. I think a lot of folks get confused
about income planning. So we're going to talk about why
income planning isn't just for retirees. It's for everyone listening
to today's show, whether you're young, or middle aged or retired,
you have to start thinking about income planning. How aligning
income with life goals creates financial clarity. Again, many people
(02:48):
don't think about, you know, longevity about you know, you're
in your forties. I'm older obviously, But if you start
young and you start putting a plan together, that's what
income planning is about. And I want to talk about
common myths that hold people back from planning effectively. I
don't have time, I'm not making enough money, you know,
because you talk about this all the time. And when
you were younger, and I know when I was younger,
(03:09):
I used to cut grass. I used to you know,
shovel snow, and I used to get twenty bucks or
twenty five dollars and my dad would say, you've got
to put and you've got to put something away. Take
five dollars, put it away, ten dollars, put it away,
and just put it away and forget about it like
you never got it. And I think the mistake that
people make is that they spend. They spend, they spend.
And now, as you and I know, I've been doing
(03:31):
this for over thirty years, how many people we see
that do not plan for retirement and are not ready
to retire where they think they got to work passed
a certain age because they just didn't plan. And I think, Chris,
for you, you're a young guy, and for young people
out there, you have to start somewhere.
Speaker 3 (03:46):
Well, I just said, so you know when you discipline,
and I know, life happens, right, you have kids, you
have a job. People a lot of people are moving
jobs and they have old forum one k's which you
need to roll these old form on K's new IRA
and we can show you how to do that. So
if you have a a couple of different old form
of case, we can show you. But income planning is
start thinking about your own paychecks and play checks. That's
(04:07):
the biggest thing. And some of the myths that people
have is what you just said. You know, we have
to keep up with some of the expenses, and you
have to pay our mortgage and our card payment, and
life happens.
Speaker 2 (04:17):
I get it.
Speaker 3 (04:18):
But if you could just understand, if you're early enough
and you're young enough, put money away consistently. You know,
you try to live off of one person's income, but
if that doesn't happen, but then you need to live
off of both. But you still can try to find
to put money away in a bucket because it's you
need to create your own income plan in the future.
And if you're about to retire or you're retired, and
(04:38):
if you have these buckets that are just piles of money,
you need to turn it into an income stream. So
the power is so important with your future income and
you need to have a purpose to do it. And
while you're saving, put that money away. But when you
have the buckets let's create an income stream.
Speaker 2 (04:56):
And one thing that I would use, it's a habit,
and it's a habit you have to do. Like you
brush your teeth every day, you take a shower, that's
a habit. It's the same thing with saving, Chris, I
mean your daughter and your son. Give an example. My
granddaughter or your daughter, is seven years old and I
said to her yesterday, what do you do when you
get money? She says, I put it in my piggy bank.
(05:17):
I said, what does your brother do? Oh, he spends
it on baseball cards? I said, does he save? She
says no, not exactly. So there's a perfect example, and
this is coming from your kids. This is the truth.
Your daughter's a she's a thrill. I mean, she's I
save it. She said, it goes in my piggy bank.
So what what example does that set?
Speaker 3 (05:34):
You know? Well, that's just it the discipline. You know
she's seven, right, but that's just her mentality. She doesn't
want to want to spend it.
Speaker 2 (05:40):
She keeps it.
Speaker 3 (05:41):
But you got my son who wants to spend on
everything he's got.
Speaker 2 (05:45):
So what do you do?
Speaker 3 (05:46):
You have to have a discipline approach, right, And that's
why when you're early on, try to save as much
as you can. But when you're at the point you
need to create income buckets.
Speaker 2 (05:55):
Well, stay with that for a second, because people don't
know how much to save. That's a big question you
and I get all the time. And if you use
your age minus one hundred where you can start putting
money into safe investments or even part into a savings account,
and then as you get older and time goes on,
you can start bumping that up and then it becomes
a lot of money. That's right.
Speaker 3 (06:15):
You know, in time, time is great when you have
the value of time and the interest rates and a
compounding interest. We can show you how to create those
buckets and invest those buckets. So diversifying income streams and
building financial resilience is as important as putting money away.
You know, you want to explore active income sources and
also passive income sources. Do you have rental properties, do
(06:37):
you have interest dividends or your investments giving you the
income you want or is it from social security or
a pension. These are things that we have to talk about.
So when you come in to meet with us, we
can put together an income plan for you. You know
what about what about side hustles or you know, putting
money getting money from side investments. It could be maybe
your own contractor or a part time job. Well, these
(07:00):
are things that we're talking about, but there are real
life examples of diversified income strategies that work. People are
living off of their income streams. They are buckets of
money that are generating income. So if you have questions
and want to know how to do that for yourself,
pick up the phone, schedule time to meet with us.
Let's get together. Eight three three Maggie tax. Let's talk
about income. What about tax efficient income strategies?
Speaker 2 (07:23):
Well, good point. There the biggest problem I see you
know a question we get how to structure income to
minimize tax liability. It's pretty simple. The more money you make,
the more tax you're going to pay. But every year
I hear the same thing and they tell Chris and
I I'm paying too much in taxes, And the truth
is you're not paying enough in taxes. And right now
we all know that Trump tax cuts were extended, which
(07:45):
is a good thing. So when you come in and
meet with us, we can explain to you how it's
going to benefit you, not hurt you, and I think
that's going to be. It's a big question. It's a
big question on everybody's mind. So you know, once you
understand what you make and what you have to pay
in taxes and the deductions, might be surprised because you
might not pay as much tax as you think you're
going to.
Speaker 3 (08:03):
Well, let's just sit too, and let's add on that.
Because the people get income, we meet with clients and
we do reviews. They getting income, but a lot of
them in a most tax efficient way. But then we
see new clients come in and they're getting income and
paying a lot in tax and then they're so scurity
as getting taxes as much as eighty five percent, they're
not really sure how to way is to reduce it.
That's why tax efficient income strategies are so important, and
(08:26):
the role of your retirement accounts and capital gains tax
and tax brackets. You know, these are things that you
have to be aware of. And if you're working with
an advisor who's not even talking about tax efficient income,
then you need to do something about it because you're
going to be paying more in tax. You're leaving money
on the table that's going to Uncle Sam, that should
be going to you and your family. And I was
(08:47):
giving an example at a client that came in last week.
Perfect example, they would take it out ten thousand dollars
from their IRA account and the broker said, go ahead
and do that. Meanwhile, if they took the ten thousand
from the non IRA account, they pay no tax. The
Social Security one and got taxed. But now the broker
advised them to take it from a different distribution source
and it caused more tax and the SOI Security got
(09:09):
tax on top of it. And that's where it's so
important to make sure you have tax efficient strategies and
that's what we can help you with.
Speaker 2 (09:15):
Well, go back to one thing. We talk about retirement
accounts right now. The biggest question people ask is the
rmds and how much they have to take out, you know,
what capital gains they have on their retirement accounts. These
are all questions that you have that you need to
call us right now. Income planning for retirement turn your
assets into paychecks. Turn your assets into paychecks. And the
(09:35):
only reason why I say that twice is because you
probably don't know how to do that, how to transition
from earning to withdrawing. You know, you work all your life.
You save, but then you have to know how to
withdraw that money and like Christien, in the most tax
efficient way. You know, there are strategies for sustainable withdrawals.
The rule was four percent rule, you know, take four
percent out, four percent out, but that's changed. What we
(09:57):
do is we do bucket planning. And bucket planning is
a a lot easier to understand than just withdrawing and
deleting that account. So social security, we talk about pensions
and annuities, what to know how to plan These are
questions that you should have and you should be able
to come in and talk to us eight three to
three Maggi Tech sit down and do income planning with us,
and some investment planning and again retirement planning. That's what
(10:19):
we're talking about today. So you have, you know, a
purposeful reason for income planning and retirement planning.
Speaker 3 (10:25):
Absolutely, and that's a wrap on incomplaanning. But don't get
too comfortable because next time we're going to dive into
the world of investment plan that's we're going to lead
into next segment. You know, where your money doesn't just sit,
it works and it works hard. So we'll break down
smart strategies on cover hidden opportunities and show you how
to build a portfolio that's built to last, whether you're
just starting out or ready to level up. So stay tuned,
(10:48):
stay sharp, and get ready because the Maggie Tax Advisory
Show is right here and.
Speaker 2 (10:52):
Your future is on them.
Speaker 3 (10:54):
Give us called 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
Maggi tax dot com. Or call eight one three three
(11:19):
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 (11:35):
Welcome back to the Maggie Tax and Financial Show. Today
we're talking about investment planning, but not just in terms
of charts and returns. We're talking about investing in your future,
in your family and your freedom. And that's what you
all should be thinking about. I'll never forget one client,
a single mom working two jobs, just trying to make
ends meet, and she didn't think investing was for her.
(11:57):
But we started small, like I said before, with a
plan built around her goals. Five years later, she had
enough saved to buy her first home and start a
college fund for her daughter. And she cried. She cried
in my office when we told her, well, she told
me actually not because of the money, but because she
finally felt secure and she finally felt hope. And that's
(12:20):
what all of you might be feeling right now. But
it can be done. That's what investment planning is really about.
It's not just about wealth, it's about possibility. And today
we're going to explore how you can take control of
your financial future, one smart decision at a time. And Chris,
I think what the problem is that most people feel
they got to do it all at once and they
(12:40):
don't realize that. Think about it. We all grew up
as a baby. Okay, we didn't just jump into college.
You know, we didn't run. We crawled and then we
walked and then we ran and then life goes on.
It's the same thing with you know, investing for your
retirement free life. Isn't that correct? Absolutely?
Speaker 3 (12:58):
And that's why you have to define on your purpose
before you start with different products. And investment planning is
key and my dad said it well, it's about possibility,
and investment planning starts with the question or the word why.
Why are you saving for retirement? Why are you saving
for child's education? Why are you saving for financial independence?
(13:19):
These are things that we need to understand what your
goals are.
Speaker 2 (13:22):
Right.
Speaker 3 (13:23):
Knowing your goals help determine your risk tolerance, your time horizon,
as well as the right mix of assets to choose from.
So at our firm, we do complete planning and as
a registered investment advisory firm, we have a plethora of
strategies and investments that we can help you. Whether it's safety,
whether it's for growth, whether it's for inflation, whether it's
for a lot of dividend producing, whatever it is, we
(13:45):
can help you. We just need to understand what you're
looking for.
Speaker 2 (13:47):
You know, it reminds me when I was younger, and
many people out there and might remember what I'm going
to talk about, But I used to save for a
Christmas club because I'd save you five dollars a week
or ten, you could do twenty in problem. Many of
you shaken your head. But at the end, by October November,
I used to get a check from the bank for
five hundred dollars or one thousand dollars to buy Christmas presents.
(14:09):
And that's how I learned how to shop. But I
also learned how to save. But here's the thing, you know,
what is your risk level when you do that? How
do you invest money to make money not to lose money?
Because many people just think, you know, it's the best stock,
it's the best bond. That's not the case. It's investment
planning and risk tolerance. Chris and you talk about risk
all the time, and this is for everybody young and old.
(14:31):
You can take some risk when you're young, you can
take less risk when you're older. And that's the thing.
Speaker 3 (14:37):
You want to meet with an advisor who can determine
your risk. And if you don't know, then we can help.
So pick up the phone, schedule time to meet with us.
Let's talk about your investment plan. Whether you're working, you
put money away, whether you're retired, and you just really
just have piles of money. There's really no idea and
purpose of what to do well. We can help with
you with that because we can look at your accounts,
(14:57):
We can manage your accounts, we can show a type
of risk taking with your accounts. Do you need income
from them? We just want to let it grow so
we can diversify your portfolio. And diversification isn't just a buzzword.
It's protection.
Speaker 2 (15:09):
You know.
Speaker 3 (15:09):
Spreading investments across asset classes like stocks, bonds, ETFs, real
estate helps reduce risk. I mean there's different types of
CDs or straight fixed nuities or index innuities, but a
well diversified portfolio can weather market volatility and keep your
long term goals on track. And that we talk about
this the rule of one hundred. How much money should
you have the we call green money? How much should
(15:30):
you have in what they call red money and yellow money.
So we can show this to you when you come
in and meet with us, because you have to understand
number one, what you have and then two that answer
the question why why are you investing in? What we
can do and we can show you how to put
together an investment plan.
Speaker 2 (15:46):
Exactly, and that's why we call it the Maggie Plan.
It's a simple and easy plan to understand. It's a
tax plan, it's an income plan, it's an investment plan,
it's a legacy plan. How many of you out there
don't have some of those plans. So the question we
would ask you is what is your plan? And if
you don't have a plan, then you know what it's
time to get on the phone right now, give us
(16:06):
a call eight three to three, Maggie tax and let's
set a time and sit down, because the easiest thing
to do, Chrisopher most people out there is to sit
down and talk about it. Let's bring up what's the
thing that keeps you up at night? What do you
want to fix that you really think that can help
you moving forward without fear. And it's not about just
investing in the stock or the bond. You know, you
(16:29):
know what the market does. Everybody knows that it goes up,
it goes down, but over time is what you're looking
for to make this plan work. So there's a lot
of things that Chris talked about before, different strategies and
there's many concepts that we want to educate you on.
So give us a call eight three to three, Maggie
tax I have operated standing by right now. We have
offices in Tampa, we have an office in Palm Harbor,
(16:50):
we have an office in Saint Pete. So there's no
reason why you can't meet with us. We could do
it on the phone, we could do it on a
zoom call. But look, it's up to you. You've got
to take the time to make this plan work for you.
And like I said before, if you do not have
an income plan, or a tax plan or an investment plan,
I just gave you the reason why you should give
us a call. Eight three to three, Magie Tex.
Speaker 3 (17:12):
Absolutely so, time is your greatest ally. You know, start early,
stay consistent. Even if you're fifty and you don't have
a retirement plan, and you think that you don't, maybe
you do. You know, you can't start over, but you
can start right now and compound growth rewards patients. You know,
even small regular amounts can grow significantly over time. The
earlier to start, the more flexibility and freedom that you
(17:32):
can gain later in life. So when we talk about diversification,
we talk about a purpose. We're talking about time. These
are things that factor in on how you should invest.
And many people want to hit it big, real quick.
But the people who are patient and The people who
consistently put money in and they allocate money efficiently are
the ones with the great discipline moving forward. So pick
(17:54):
up the phone, schedule a time to meet with us.
As my dad mentioned before, we have offices on both
sides of the day to help you. Eight three to
three Maggie Tax. Visit our website at Maggie Tax dot com.
There's so much information right there at your fingertips. You know,
there's educational workshops that we do. As we talked about.
Speaker 2 (18:10):
Come meet with us.
Speaker 3 (18:11):
Let's have a conversation. Let's sit down, go over your
tax strategies, your investment strategies, your your tax plan if
you have one, if you don't, what about your income plan.
Many people have no estate planning, so we can help you.
You know, if you just heard now that investment planning
can turn uncertainty into opportunity and dreams into reality.
Speaker 2 (18:30):
We can do that. But here's the truth. The longer
you wait, the harder it gets.
Speaker 3 (18:34):
The best time to start was yesterday, but the next
best time is right now. Whether you're building wealth, securing
your family future, or chasing financial freedom, it starts with
a conversation. Pick up the phone, schedule time to meet
with us, So just don't think about it, act call now,
book your appointment and meet with us. Let's build a
plan that works for you because your future isn't waiting
(18:55):
and you just should do eight three to three Maggie Tax.
That's eight three to three times.
Speaker 1 (19:02):
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
(19:25):
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 (19:40):
Welcome back to the Maggie Tax and Financial Show where
your Money meets Meaning. We just talked about how to
grow your wealth through smart investment planning, but now we
turn to something even more important, protecting that wealth for
people you love. Because true financial success isn't just about
what you build it's about what you leave behind. Planning
(20:00):
is the bridge between your hard work and your legacy,
and without it, your assets could end up tangled in probate,
delayed and drained far from your future that you and
vision for your family. And you don't want that. So
today you want to start out and show you and
make sure that your home, your accounts, your business, everything
you work so hard for passes smoothly, privately and powerfully
(20:21):
to the next generation. Because that's what you deserve. It's
not about just having millions of dollars and only the
wealthy can do that. Everybody can do that if you
just do the right planning. So let's talk about trusts
and wills and benefit ciority designations and the tools that
turn planning into peace of mind. So this is more
than just paperwork. It's your legacy, and you know, let's
protect it together. And Dad, how many times do we
(20:43):
see people come in they got no planned, they got
piles of money, they come in all happy, Hey, this
is what I say. You look at my accounts, and
but again it's pretty much there's nothing under it to protect.
Speaker 2 (20:56):
It well, because no one took the time to educate
them and think about it. You go to school to
learn and then you have to take a topic or
a subject and you get a test on it. And
I don't think anyone's ever you know, tested anybody on
investment planning or what we're talking about, you know, a
state planning. So let's kind of recap some of the
things on the investment plan that we talked about. Think
(21:16):
about it. You've built the wealth, now let's protect it.
But the other thing, like Chris, is mentioning what do
you do with it? So a state planning, it's not
just about money, it's about meaning what are you going
to do with it? How do you want it to
pass to your beneficiaries? I have a trust. Okay, anything
happens to me, my wife gets it. Anything happens to
my wife and I my two boys get it, and
anything happens to them. Guess where it passes down to
(21:38):
the grandkids. So when you think about that, is that
the kind of plan you have or you don't even
know yet? So you know, it's basically an emotional hook.
What happens to your assets when you're gone? And Chris,
this is where I think people get I would say sidetracked,
but when they meet with an advisor. It's all about
selling them something. Think about it. They come in with
their statement, they give it to you know, custodian, and
(22:01):
they invested. But what happens after that? What do they
do with it? Do they keep it? Do they lose it?
And then when they need money to then the big
question when you ask everybody, this is always a funny question,
how much do you need every month coming in the
front door. When you ask that question, people go, I
don't know. And that just bewilders me all the time
(22:21):
because no one That's a perfect point, Chris. No one
talks about it. That's just it.
Speaker 3 (22:26):
And you know, I was listening to you and you
made a great question to the listener here and to
me as well, listening what happens when your assets to
your assets when you're gone.
Speaker 2 (22:37):
Think about that.
Speaker 3 (22:37):
Let that digest for a minute.
Speaker 2 (22:38):
Do you know?
Speaker 3 (22:40):
And if you know totally in confirmation, is one hundred
percent that you know where it's gonna go, then that's
a great thing. But I bet you that most listeners
today have a doubt, they have questions in mind. They
don't know really where it's gonna go. I'm talking about
your bank account, I'm talking about your form of case.
I'm talking about your IRA, your roth IRA, your broke
ane account. Think about those accounts. What but the savings
of counts that you have? What about your house? So
(23:02):
what do you do? Why is a state planning so
essential because you want to avoid probate? What's probate? Probates
the court system, that's who's going to make decisions on
your your state and doesn't have to be that way.
There's delays, there's cost, there's public exposure.
Speaker 2 (23:16):
My gosh.
Speaker 3 (23:17):
We have a piece in our office on celebrities who
went through probate. Oh my goodness, when you sit there
and look at what they went through, millions and millions
of dollars wasted and now we know all about their estate.
We don't have to same thing for you. You know,
we want to ensure that assets pass to your loved
ones smoothly, not through havoc and fights and time and delays.
(23:40):
You know, we want to prevent family disputes and confusion.
My gosh, dad, how many stories can we talk about
with this?
Speaker 2 (23:46):
Well, too many to be honest with you, and they're scary,
and their honest stories and they're real. And let me
also throw this out at you everyone listening today. We
do want a state planning seminar. We do four a
month because go to my website Maggie tax dot com
click on seminars. You'll see the dates. We hold them
at libraries and we hold them either at eleven o'clock
or two o'clock in the afternoon. I don't buy dinners
(24:08):
because it's just not going to help me help you.
I want you to come for the education everything. Just
Chris just mentioned here, it's amazing how many people are
sitting there saying, Gee, I wish I would have done that.
G I wish I would have done that. Folks, It's
very easy, it's very cheap, and it's going to save
you thousands of dollars. So just go to my website
Maggietax dot com, click on seminars. You'll see all the
dates there every month. There's four times a month right now,
(24:31):
and we are probably going to do more because it's
so important. When Chris and I are talking about and
what we see every day, it's really sad that you
don't know about something simple enough to get a will
or a trust you know or which one is better,
even like if you have a home I'll mention this
a quick claim deed or a ladybird deed? Why am
I mentioning that to avoid one thing? Chris? It's called probate.
(24:53):
How many clients do we see every day that have
you mentioned it before? Millions of dollars in their IRA
four oh one k and they don't have any of
these documents. And you know how we find out when
the children come in and they say, you know, guys,
I can't get my money from my parents. It's going
through probate. Yeah, you think that's the reason. Why, So
do you want that to happen to you? And it's
the cheapest thing you could.
Speaker 3 (25:13):
Do, absolutely, And you know when we hear those stories,
we just cringe. And then we started looking into where
they came from. And then you come to find out
that mom and dad had their advisor for twenty twenty
five years and then you say they didn't talk to
them about this. Wow, they manage their money really great.
But guess what now you got probate cost and time
(25:34):
and money. How do you go about doing that? And
that's why if you have an advisor now and that's
not talking about total state planning and income planning and
tax planning. Then I really raised the question that you
should come in and meet with us, because let's have
a conversation. If you're looking for a complete plan, we
can help eight three to three Maggie Tax. That's eight
three to three Maggie Tax.
Speaker 2 (25:53):
Well, let me hurt you a little bit more. Okay,
this is really important. How many of you have done
a beneficiary change a benefit? Have you checked your beneficiaries?
Because what Chris just mentioned, when some people pass and
then we look at the beneficiary, guess what, it's not
what you thought it was because you did this ten, fifteen,
twenty years ago. So I challenge all of you give
us a call, sit down with us. Eight three to
(26:14):
three Maggie Tacks. Let's review your documents to see if
they're correct. Because again here's another question. How many of
you have or have not a power of attorney on
healthcare directors? What happens if something happens to you and
you need a healthcare decision to be made, who's going
to make it? Okay, this is what we see every day,
and this is why we do this show because there's
(26:35):
so many things that you could do to make it better.
You just got to sit down have a conversation. Go
over and I said this before, what keeps you up
at night? So what if what keeps you up at
night someone passed away and they're going through probate. Doesn't
that bother you? I think it should and I know
it bothers me when I see it all the time,
and Chris and I see it all the time. It's
(26:55):
not that I can do about it unless you want
to do something about it. Eight three to three Maggie
Tax And Chris, this is so important when you talk
about the things we're talking about today, investment strategies, income planning,
and now is state planning. These are common things that
you all should be thinking of. So get the right
time do it.
Speaker 3 (27:13):
Eight three three Maggie Tax message. Just get the Maggie planned.
Visit our website at Maggie tax dot com. That's M
A G. G. I Tax dot com. All their informations
right there. But I'll give a quick example. I never
forget this story. I've been this business over twenty years,
and I'll tell you the second year I was in
this business, I came across a client who had twenty
(27:34):
thousand dollars to her name, but her brother passed away
who lived in California, and he had two million dollars.
So we met with our client and we took care
of her because it's not about how much money you have,
it's about the whole process. So she came on in
and she told us, you know, her brother passed away,
and we felt terrible for her. And we found that
some information that he had two CDs with the same bank.
(27:55):
One million dollars was with one CD and the other
million dollars which is with the other. But guess what,
the one CD had proper beneficiary designation where the other
one did not. So the million dollars went to her
and avoided probate because it was the right transfer, very
quickly and efficiently. But the other million it took eighteen months.
Eighteen months through probate. You had attorney costs, you had fees,
(28:18):
everyone knew about his public record and everything, and guess
what you call could have been avoided. So the same bank,
when we'll, had this all mess up because they didn't
do the proper planning. So pick up the phone, schedule
appointment today. Don't let this happen to you. Eight three
three MAGI tax that's eight three to three Magi tax.
Speaker 2 (28:38):
Let me make it simple. Your legacy starts now, and
think about it. You've worked hard, You've saved, you invested
and built a life worth protecting. But without a plan,
everything that you've built could be left to chance. That's
not a good plan. A state planing isn't just about
avoiding probate. It's about making sure that your family doesn't
have to fight through red tape while grieving. That's the
(29:01):
worst time. It's about clarity, compassion, and control. So ask
yourself if something happened tomorrow, would your loved ones know
what to do? Would your wife know what to do?
Would your children know what to do? Would your assets
go to where you intended? Would your legacy be protected?
And that's important? Okay, if you're not sure, it's time
(29:22):
to act. Eight three three Maggie TACs call us today.
Let's build a plan that honors your life, protects your family,
and gives you peace of mind. Because your legacy deserves
more than hope. It deserves a strategy. And Chris, so
many times when we meet with people, we get through
an appointment, it's always like what do you have? It's
not what we have, it's what would you like? To do.
(29:45):
What is your plan? And why are you here to
see Chris and I today? And I think all of
you out there have to start asking that question. If
you're going to meet with the advisor, how can they
help you? What are they going to help you with
just an investment? Folks, that's not good. And that's why
we're successful at what we do on the Maggie Plan
because we talk about taxes, we talk about investments, we
(30:07):
talk about social security pensions, we talk about Will's trust
and everything else that goes along with it. And you
know what, if your advisor is not doing that, shame
on them. And one thing Chris mentioned before, so what
if you had an advisor for twenty years now go
back and ask them why they didn't finish the job.
Speaker 3 (30:22):
But that's it, and that's why it's so important. And
your future begins with one phone call. Pick up the phone,
schedule time to meet with us. Let's have a conversation.
We have office on both sides of the bay. But
when we do complete planning such as income planning and
your investment playing and planning and how it incorporates with
your taxes and how much you're going to pay at
tax and your legacy plan. You can see how this
all fits together, and that's why we call it the
(30:43):
Maggie Plan. And that's why we call it the Maggie Plan.
Putting your puzzle pieces together, we can definitely do it
for you. It starts with a phone call eight three
to three Maggie Tax. That's eight three to three Maggie Tax.
And don't forget tune in every Sunday on ABC TV
at ten thirty for the Maggie te Finny your showing
eight three three Maggie Tax.
Speaker 2 (31:03):
That's eight three to three Naggie Tax.
Speaker 1 (31:07):
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
(31:28):
three 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 (31:45):
Welcome back to the Maggie Tax and Financial Show. My
name is Robert Maggie and I'm here with my son
Chris Maggie. So we've been talking about an awful lot
today and if you have questions or concerns, now is
the time to pick up the phone eight three three
Maggie Tax, and don't forget Every ten thirty on ABC TV,
tune into the Magi Tax and Financial Show. We talk
(32:05):
about a lot of things that might help you out.
So give us a call eight three to three Maggie Tax.
And think about it. You built the life, protected your legacy,
and made sure your love the ones won't be burdened
by probate. We talked about that before. But here's the question.
We really ask who's helping you connect all the dots?
Because the state planning is just one piece of the puzzle,
(32:27):
and if the rest of your financial life isn't aligned,
even the best plan can fall short. And here's the problem.
The problem too often is that people work with a
tax preparer in one corner, an investment advisor in another,
and maybe in a state attorney somewhere down the line,
but no one's talking to each other. And that's how
things get messed up. That's how things get missed. Beneficiaries
(32:49):
don't match tax strategies, conflict with income plans, and opportunities
slip through the cracks. And that's the probably the biggest
mistake and the most common mistake most people make. So, Chris,
what's the solution to all this? How simple can it be?
Speaker 3 (33:03):
Well, that's so important, and that's why you need a
complete advisor, someone who sees the full picture your taxes,
your investments, your retirement income, and your a state plan
and brings it all together. And a complete advisor doesn't
just react to problems, they anticipate them. They build strategies
that work in harmony, not isolation. And that's what we
do here. We call it the Maggie Plan, and that's
(33:25):
why we want you to visit our website, Maggie tax
dot com, because we can put it all together. If
you ever felt like your financial life is a stack
of disconnected folders, do you ever think about that? Well,
it's time to change that. And that's why you can
just pick up the phone. It starts with you. Pick
up the phone, schedule time to meet with us. Let's
sit down and build a plan that's not just smart,
it's complete because your future doesn't deserve to have fragments.
(33:50):
It deserves a team that sees the whole view and mind.
And that's why we talk about complete planning. There's transactional
advisors out there, but then there's complete planners. And that's
why we set up our company this way because we
understand the tax side of things, the investment side, the
income planning, the estate planning, you know what about social
security and medicare planning. We can help with all this.
(34:10):
So we have the people in place in house, so
you don't have to go each and everywhere. And that's
why all you got to do is schedule appointment to
meet with us. A three three Maggie Tacks.
Speaker 2 (34:21):
You know, as you're talking about that thing came to
my mind. I mean, you know how silly I could get.
But what I'm gonna do is make a puzzle. And
it's like a small puzzle, maybe an eight and a
half by eleven, And when clients come in, we're going
to give them the puzzle and see if they could
put it together. Maybe that might work.
Speaker 3 (34:37):
It's hard enough with them as it is, because many
people see all honesty you've made a joke about it.
But you know, people come in and they're confused and
they want help, right and they've been saying, I've been
wanting this for years, and I've listened to your show
for a long time, and you know, it hit me
a lot of times and I want to do this.
And I asked them why haven't they done it? And
they said, well, time, you know, I just haven't gotten
(34:58):
to it. Or you know, I've been looking but haven't found.
This is a lot of different reasons, but now is
a time. The time is now. You can't start over
if you can start right now.
Speaker 2 (35:06):
And that's why we call it the Maggie Plan. It's
simple and easy to understand, and it's even easy if
we put the puzzle together for you. So eight three
three Maggie tax. This is on you, folks, it's on you.
All you got to do is pick up the phone, call,
spend some time, make an hour and appointment with us.
Let's go over the problems that you have. And like
I said before, what keeps you up at night? Is
it a state? Planning?
Speaker 3 (35:28):
Is?
Speaker 2 (35:28):
Do you have it in order? Do you have a
will or trust? Is it correct? Do you have a
beneficiary form, Is it correct? Is it updated? We talk
about the risk of you know, maybe sometimes I think
people get the wrong advice, Chris, and I understand that.
You know, they go to one advisor and they get
another one. But you know, many people work with separate professionals,
maybe a CPA, a financial advisor, and an estate planning attorney,
(35:51):
and if they're not communicating, which I mentioned before, critical
details get missed. And Chris, we've talked about this where
we have a tax client done the tax return and
it was done incorrectly, and then they go to a
CPA and the CPA gives some different advice. Wow, how
I mean it's confusing.
Speaker 3 (36:08):
So you're talking about like fragmented advice, all right? Is
that we're talking about the risk of that. And many
people work with separate professionals, as you just mentioned, they're
not communicating together. For you, critical details get missed, leading
into tax inefficiencies, probate surprises, even lost opportunities, poor tax decisions,
outdated beneficiary designation. So what is a complete advisor? What
(36:29):
do they do?
Speaker 2 (36:30):
They do complete planning. They do everything from tax planning,
from income planning, from an investment planning, from a state planning,
to wills and trust, even to kids for the for
the you know, for college. That's sorry.
Speaker 3 (36:42):
They build strategies that work together. That's not in isolation exactly.
And if you don't have a strategy, you're not going
to win. Here's another thing.
Speaker 2 (36:49):
If you don't have a plan, or if you're going
to be traveling and you don't have a roadmap where
you going to go, it doesn't make sense exactly.
Speaker 3 (36:55):
And it leads us to an example that I'm talking
about here. We had a client that had a great
investment plan when they first met with us, but guess what,
there was no estate strategy. Their assets were tied up
in probate for over a year. And we went through
this with the client and we said, oh my gosh,
I wish we would have got to you sooner to
help you avoid all this. So don't settle for fragmented advice.
Call us today a three to three mag attacks meet
(37:16):
with a complete advisor who sees the whole picture.
Speaker 2 (37:20):
I mean, it's simple to talk about, but it's a
confusing issue for everybody. And if you've ever felt like
your financial life is scattered across spreadsheets, statements and separate advisors,
and we have clients come in with statements they've never
opened over there. So think about this. You spent your
life working hard, saving wisely, and planning carefully. But without
(37:40):
someone who sees the full picture your taxes, your investments,
your income, and your legacy, your plan could be missing
the most important piece. A complete advisor doesn't just help
you grow your wealth. They help you protect it, preserve it,
and pass it on with purpose. You have to have
a purpose with what you're doing. This isn't about having
(38:01):
more meetings, it's about having the right one. If you've
ever felt like your financial life is scattered across spreadsheets,
statements and separate advisors, it's time to bring it all together.
Call us today. Sit down with a team that understands
every layer of your financial future. Because peace of mind
doesn't come from hoping it all works out. That is
(38:22):
not a plan. It comes from knowing it will. That's
the Maggie Plan, simple and easy to understand, tax plan,
income planning, state planning, all types of planning. And let's
complete your plan. And it starts with one powerful conversation
eight three to three Maggie Tax.
Speaker 1 (38:42):
You've been listening to the Maggie Tax on Financial Hour
discussing tax planning investment strategy is presented by Robert and
Chris Maggie from Maggie Tax Advisory and Financial Services with
offices in Hillsboro and Panela's County. Visit Maggie tax dot
Com or called eight one three three two two twenty
five twenty. That's eight one three three two two twenty
(39:04):
five twenty and tune in next Saturday at five for
the Maggie Tax and Financial Hour
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 (00:53):
Welcome to the Maggie taxin Financial Show, where your money
meets mastery. I'm Bobby Maggie, and every week we dive
deep into the dollars and cents behind your financial future.
Whether you're a business owner, a working professional, or just
trying to make sense of your taxes. This is your
front row seat to clarity, strategy and financial environment. So
(01:14):
from tax tips that save you thousands to financial insights
that build your legacy, We're not just talking numbers, We're
changing lives. So buckle up because today's episode is packed
with powerful tools, expert advice, and maybe even a few surprises.
So Chris, let's unlock your financial potential with these folks
right here, right now today.
Speaker 3 (01:35):
Well, let's say welcome everyone. I'm Chris Maggie and thank
you so much for tuning into the Maggie Tax and
Financial Show and glad to be here as always because
there's so much information that we want to share with you.
Visit our website at Maggie tax dot com. That's m
A G G I T a X dot com, Maggie
tax dot com and don't forget Every Sunday on ABCTV,
tune into our show right on TV ten thirty am
(01:56):
for the Magi Tax and Financial Show. So we do
tax planning, income planning, investment planning, and state planning, so
security maximization planning, we do complete planning is the bottom
line is all you really want to understand is that
you want to work with an advisor who looks at everything.
Speaker 2 (02:11):
You know.
Speaker 3 (02:11):
If you're getting income, you want to make sure they
get income on the most tax efficient way. If you
have investments, you want to make sure that you're paying
leads mountain taxes. So that's what we do. Our telephone
numbers eight three three MAGI tax pick up the phone,
schedule time to meet with us anytime.
Speaker 2 (02:25):
So a couple things right now, the power of purposeful
income planning. I think a lot of folks get confused
about income planning. So we're going to talk about why
income planning isn't just for retirees. It's for everyone listening
to today's show, whether you're young, or middle aged or retired,
you have to start thinking about income planning. How aligning
income with life goals creates financial clarity. Again, many people
(02:48):
don't think about, you know, longevity about you know, you're
in your forties. I'm older obviously, But if you start
young and you start putting a plan together, that's what
income planning is about. And I want to talk about
common myths that hold people back from planning effectively. I
don't have time, I'm not making enough money, you know,
because you talk about this all the time. And when
you were younger, and I know when I was younger,
(03:09):
I used to cut grass. I used to you know,
shovel snow, and I used to get twenty bucks or
twenty five dollars and my dad would say, you've got
to put and you've got to put something away. Take
five dollars, put it away, ten dollars, put it away,
and just put it away and forget about it like
you never got it. And I think the mistake that
people make is that they spend. They spend, they spend.
And now, as you and I know, I've been doing
(03:31):
this for over thirty years, how many people we see
that do not plan for retirement and are not ready
to retire where they think they got to work passed
a certain age because they just didn't plan. And I think, Chris,
for you, you're a young guy, and for young people
out there, you have to start somewhere.
Speaker 3 (03:46):
Well, I just said, so you know when you discipline,
and I know, life happens, right, you have kids, you
have a job. People a lot of people are moving
jobs and they have old forum one k's which you
need to roll these old form on K's new IRA
and we can show you how to do that. So
if you have a a couple of different old form
of case, we can show you. But income planning is
start thinking about your own paychecks and play checks. That's
(04:07):
the biggest thing. And some of the myths that people
have is what you just said. You know, we have
to keep up with some of the expenses, and you
have to pay our mortgage and our card payment, and
life happens.
Speaker 2 (04:17):
I get it.
Speaker 3 (04:18):
But if you could just understand, if you're early enough
and you're young enough, put money away consistently. You know,
you try to live off of one person's income, but
if that doesn't happen, but then you need to live
off of both. But you still can try to find
to put money away in a bucket because it's you
need to create your own income plan in the future.
And if you're about to retire or you're retired, and
(04:38):
if you have these buckets that are just piles of money,
you need to turn it into an income stream. So
the power is so important with your future income and
you need to have a purpose to do it. And
while you're saving, put that money away. But when you
have the buckets let's create an income stream.
Speaker 2 (04:56):
And one thing that I would use, it's a habit,
and it's a habit you have to do. Like you
brush your teeth every day, you take a shower, that's
a habit. It's the same thing with saving, Chris, I
mean your daughter and your son. Give an example. My
granddaughter or your daughter, is seven years old and I
said to her yesterday, what do you do when you
get money? She says, I put it in my piggy bank.
(05:17):
I said, what does your brother do? Oh, he spends
it on baseball cards? I said, does he save? She
says no, not exactly. So there's a perfect example, and
this is coming from your kids. This is the truth.
Your daughter's a she's a thrill. I mean, she's I
save it. She said, it goes in my piggy bank.
So what what example does that set?
Speaker 3 (05:34):
You know? Well, that's just it the discipline. You know
she's seven, right, but that's just her mentality. She doesn't
want to want to spend it.
Speaker 2 (05:40):
She keeps it.
Speaker 3 (05:41):
But you got my son who wants to spend on
everything he's got.
Speaker 2 (05:45):
So what do you do?
Speaker 3 (05:46):
You have to have a discipline approach, right, And that's
why when you're early on, try to save as much
as you can. But when you're at the point you
need to create income buckets.
Speaker 2 (05:55):
Well, stay with that for a second, because people don't
know how much to save. That's a big question you
and I get all the time. And if you use
your age minus one hundred where you can start putting
money into safe investments or even part into a savings account,
and then as you get older and time goes on,
you can start bumping that up and then it becomes
a lot of money. That's right.
Speaker 3 (06:15):
You know, in time, time is great when you have
the value of time and the interest rates and a
compounding interest. We can show you how to create those
buckets and invest those buckets. So diversifying income streams and
building financial resilience is as important as putting money away.
You know, you want to explore active income sources and
also passive income sources. Do you have rental properties, do
(06:37):
you have interest dividends or your investments giving you the
income you want or is it from social security or
a pension. These are things that we have to talk about.
So when you come in to meet with us, we
can put together an income plan for you. You know
what about what about side hustles or you know, putting
money getting money from side investments. It could be maybe
your own contractor or a part time job. Well, these
(07:00):
are things that we're talking about, but there are real
life examples of diversified income strategies that work. People are
living off of their income streams. They are buckets of
money that are generating income. So if you have questions
and want to know how to do that for yourself,
pick up the phone, schedule time to meet with us.
Let's get together. Eight three three Maggie tax. Let's talk
about income. What about tax efficient income strategies?
Speaker 2 (07:23):
Well, good point. There the biggest problem I see you
know a question we get how to structure income to
minimize tax liability. It's pretty simple. The more money you make,
the more tax you're going to pay. But every year
I hear the same thing and they tell Chris and
I I'm paying too much in taxes, And the truth
is you're not paying enough in taxes. And right now
we all know that Trump tax cuts were extended, which
(07:45):
is a good thing. So when you come in and
meet with us, we can explain to you how it's
going to benefit you, not hurt you, and I think
that's going to be. It's a big question. It's a
big question on everybody's mind. So you know, once you
understand what you make and what you have to pay
in taxes and the deductions, might be surprised because you
might not pay as much tax as you think you're
going to.
Speaker 3 (08:03):
Well, let's just sit too, and let's add on that.
Because the people get income, we meet with clients and
we do reviews. They getting income, but a lot of
them in a most tax efficient way. But then we
see new clients come in and they're getting income and
paying a lot in tax and then they're so scurity
as getting taxes as much as eighty five percent, they're
not really sure how to way is to reduce it.
That's why tax efficient income strategies are so important, and
(08:26):
the role of your retirement accounts and capital gains tax
and tax brackets. You know, these are things that you
have to be aware of. And if you're working with
an advisor who's not even talking about tax efficient income,
then you need to do something about it because you're
going to be paying more in tax. You're leaving money
on the table that's going to Uncle Sam, that should
be going to you and your family. And I was
(08:47):
giving an example at a client that came in last week.
Perfect example, they would take it out ten thousand dollars
from their IRA account and the broker said, go ahead
and do that. Meanwhile, if they took the ten thousand
from the non IRA account, they pay no tax. The
Social Security one and got taxed. But now the broker
advised them to take it from a different distribution source
and it caused more tax and the SOI Security got
(09:09):
tax on top of it. And that's where it's so
important to make sure you have tax efficient strategies and
that's what we can help you with.
Speaker 2 (09:15):
Well, go back to one thing. We talk about retirement
accounts right now. The biggest question people ask is the
rmds and how much they have to take out, you know,
what capital gains they have on their retirement accounts. These
are all questions that you have that you need to
call us right now. Income planning for retirement turn your
assets into paychecks. Turn your assets into paychecks. And the
(09:35):
only reason why I say that twice is because you
probably don't know how to do that, how to transition
from earning to withdrawing. You know, you work all your life.
You save, but then you have to know how to
withdraw that money and like Christien, in the most tax
efficient way. You know, there are strategies for sustainable withdrawals.
The rule was four percent rule, you know, take four
percent out, four percent out, but that's changed. What we
(09:57):
do is we do bucket planning. And bucket planning is
a a lot easier to understand than just withdrawing and
deleting that account. So social security, we talk about pensions
and annuities, what to know how to plan These are
questions that you should have and you should be able
to come in and talk to us eight three to
three Maggi Tech sit down and do income planning with us,
and some investment planning and again retirement planning. That's what
(10:19):
we're talking about today. So you have, you know, a
purposeful reason for income planning and retirement planning.
Speaker 3 (10:25):
Absolutely, and that's a wrap on incomplaanning. But don't get
too comfortable because next time we're going to dive into
the world of investment plan that's we're going to lead
into next segment. You know, where your money doesn't just sit,
it works and it works hard. So we'll break down
smart strategies on cover hidden opportunities and show you how
to build a portfolio that's built to last, whether you're
just starting out or ready to level up. So stay tuned,
(10:48):
stay sharp, and get ready because the Maggie Tax Advisory
Show is right here and.
Speaker 2 (10:52):
Your future is on them.
Speaker 3 (10:54):
Give us called 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
Maggi tax dot com. Or call eight one three three
(11:19):
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 (11:35):
Welcome back to the Maggie Tax and Financial Show. Today
we're talking about investment planning, but not just in terms
of charts and returns. We're talking about investing in your future,
in your family and your freedom. And that's what you
all should be thinking about. I'll never forget one client,
a single mom working two jobs, just trying to make
ends meet, and she didn't think investing was for her.
(11:57):
But we started small, like I said before, with a
plan built around her goals. Five years later, she had
enough saved to buy her first home and start a
college fund for her daughter. And she cried. She cried
in my office when we told her, well, she told
me actually not because of the money, but because she
finally felt secure and she finally felt hope. And that's
(12:20):
what all of you might be feeling right now. But
it can be done. That's what investment planning is really about.
It's not just about wealth, it's about possibility. And today
we're going to explore how you can take control of
your financial future, one smart decision at a time. And Chris,
I think what the problem is that most people feel
they got to do it all at once and they
(12:40):
don't realize that. Think about it. We all grew up
as a baby. Okay, we didn't just jump into college.
You know, we didn't run. We crawled and then we
walked and then we ran and then life goes on.
It's the same thing with you know, investing for your
retirement free life. Isn't that correct? Absolutely?
Speaker 3 (12:58):
And that's why you have to define on your purpose
before you start with different products. And investment planning is
key and my dad said it well, it's about possibility,
and investment planning starts with the question or the word why.
Why are you saving for retirement? Why are you saving
for child's education? Why are you saving for financial independence?
(13:19):
These are things that we need to understand what your
goals are.
Speaker 2 (13:22):
Right.
Speaker 3 (13:23):
Knowing your goals help determine your risk tolerance, your time horizon,
as well as the right mix of assets to choose from.
So at our firm, we do complete planning and as
a registered investment advisory firm, we have a plethora of
strategies and investments that we can help you. Whether it's safety,
whether it's for growth, whether it's for inflation, whether it's
for a lot of dividend producing, whatever it is, we
(13:45):
can help you. We just need to understand what you're
looking for.
Speaker 2 (13:47):
You know, it reminds me when I was younger, and
many people out there and might remember what I'm going
to talk about, But I used to save for a
Christmas club because I'd save you five dollars a week
or ten, you could do twenty in problem. Many of
you shaken your head. But at the end, by October November,
I used to get a check from the bank for
five hundred dollars or one thousand dollars to buy Christmas presents.
(14:09):
And that's how I learned how to shop. But I
also learned how to save. But here's the thing, you know,
what is your risk level when you do that? How
do you invest money to make money not to lose money?
Because many people just think, you know, it's the best stock,
it's the best bond. That's not the case. It's investment
planning and risk tolerance. Chris and you talk about risk
all the time, and this is for everybody young and old.
(14:31):
You can take some risk when you're young, you can
take less risk when you're older. And that's the thing.
Speaker 3 (14:37):
You want to meet with an advisor who can determine
your risk. And if you don't know, then we can help.
So pick up the phone, schedule time to meet with us.
Let's talk about your investment plan. Whether you're working, you
put money away, whether you're retired, and you just really
just have piles of money. There's really no idea and
purpose of what to do well. We can help with
you with that because we can look at your accounts,
(14:57):
We can manage your accounts, we can show a type
of risk taking with your accounts. Do you need income
from them? We just want to let it grow so
we can diversify your portfolio. And diversification isn't just a buzzword.
It's protection.
Speaker 2 (15:09):
You know.
Speaker 3 (15:09):
Spreading investments across asset classes like stocks, bonds, ETFs, real
estate helps reduce risk. I mean there's different types of
CDs or straight fixed nuities or index innuities, but a
well diversified portfolio can weather market volatility and keep your
long term goals on track. And that we talk about
this the rule of one hundred. How much money should
you have the we call green money? How much should
(15:30):
you have in what they call red money and yellow money.
So we can show this to you when you come
in and meet with us, because you have to understand
number one, what you have and then two that answer
the question why why are you investing in? What we
can do and we can show you how to put
together an investment plan.
Speaker 2 (15:46):
Exactly, and that's why we call it the Maggie Plan.
It's a simple and easy plan to understand. It's a
tax plan, it's an income plan, it's an investment plan,
it's a legacy plan. How many of you out there
don't have some of those plans. So the question we
would ask you is what is your plan? And if
you don't have a plan, then you know what it's
time to get on the phone right now, give us
(16:06):
a call eight three to three, Maggie tax and let's
set a time and sit down, because the easiest thing
to do, Chrisopher most people out there is to sit
down and talk about it. Let's bring up what's the
thing that keeps you up at night? What do you
want to fix that you really think that can help
you moving forward without fear. And it's not about just
investing in the stock or the bond. You know, you
(16:29):
know what the market does. Everybody knows that it goes up,
it goes down, but over time is what you're looking
for to make this plan work. So there's a lot
of things that Chris talked about before, different strategies and
there's many concepts that we want to educate you on.
So give us a call eight three to three, Maggie
tax I have operated standing by right now. We have
offices in Tampa, we have an office in Palm Harbor,
(16:50):
we have an office in Saint Pete. So there's no
reason why you can't meet with us. We could do
it on the phone, we could do it on a
zoom call. But look, it's up to you. You've got
to take the time to make this plan work for you.
And like I said before, if you do not have
an income plan, or a tax plan or an investment plan,
I just gave you the reason why you should give
us a call. Eight three to three, Magie Tex.
Speaker 3 (17:12):
Absolutely so, time is your greatest ally. You know, start early,
stay consistent. Even if you're fifty and you don't have
a retirement plan, and you think that you don't, maybe
you do. You know, you can't start over, but you
can start right now and compound growth rewards patients. You know,
even small regular amounts can grow significantly over time. The
earlier to start, the more flexibility and freedom that you
(17:32):
can gain later in life. So when we talk about diversification,
we talk about a purpose. We're talking about time. These
are things that factor in on how you should invest.
And many people want to hit it big, real quick.
But the people who are patient and The people who
consistently put money in and they allocate money efficiently are
the ones with the great discipline moving forward. So pick
(17:54):
up the phone, schedule a time to meet with us.
As my dad mentioned before, we have offices on both
sides of the day to help you. Eight three to
three Maggie Tax. Visit our website at Maggie Tax dot com.
There's so much information right there at your fingertips. You know,
there's educational workshops that we do. As we talked about.
Speaker 2 (18:10):
Come meet with us.
Speaker 3 (18:11):
Let's have a conversation. Let's sit down, go over your
tax strategies, your investment strategies, your your tax plan if
you have one, if you don't, what about your income plan.
Many people have no estate planning, so we can help you.
You know, if you just heard now that investment planning
can turn uncertainty into opportunity and dreams into reality.
Speaker 2 (18:30):
We can do that. But here's the truth. The longer
you wait, the harder it gets.
Speaker 3 (18:34):
The best time to start was yesterday, but the next
best time is right now. Whether you're building wealth, securing
your family future, or chasing financial freedom, it starts with
a conversation. Pick up the phone, schedule time to meet
with us, So just don't think about it, act call now,
book your appointment and meet with us. Let's build a
plan that works for you because your future isn't waiting
(18:55):
and you just should do eight three to three Maggie Tax.
That's eight three to three times.
Speaker 1 (19:02):
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
(19:25):
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 (19:40):
Welcome back to the Maggie Tax and Financial Show where
your Money meets Meaning. We just talked about how to
grow your wealth through smart investment planning, but now we
turn to something even more important, protecting that wealth for
people you love. Because true financial success isn't just about
what you build it's about what you leave behind. Planning
(20:00):
is the bridge between your hard work and your legacy,
and without it, your assets could end up tangled in probate,
delayed and drained far from your future that you and
vision for your family. And you don't want that. So
today you want to start out and show you and
make sure that your home, your accounts, your business, everything
you work so hard for passes smoothly, privately and powerfully
(20:21):
to the next generation. Because that's what you deserve. It's
not about just having millions of dollars and only the
wealthy can do that. Everybody can do that if you
just do the right planning. So let's talk about trusts
and wills and benefit ciority designations and the tools that
turn planning into peace of mind. So this is more
than just paperwork. It's your legacy, and you know, let's
protect it together. And Dad, how many times do we
(20:43):
see people come in they got no planned, they got
piles of money, they come in all happy, Hey, this
is what I say. You look at my accounts, and
but again it's pretty much there's nothing under it to protect.
Speaker 2 (20:56):
It well, because no one took the time to educate
them and think about it. You go to school to
learn and then you have to take a topic or
a subject and you get a test on it. And
I don't think anyone's ever you know, tested anybody on
investment planning or what we're talking about, you know, a
state planning. So let's kind of recap some of the
things on the investment plan that we talked about. Think
(21:16):
about it. You've built the wealth, now let's protect it.
But the other thing, like Chris, is mentioning what do
you do with it? So a state planning, it's not
just about money, it's about meaning what are you going
to do with it? How do you want it to
pass to your beneficiaries? I have a trust. Okay, anything
happens to me, my wife gets it. Anything happens to
my wife and I my two boys get it, and
anything happens to them. Guess where it passes down to
(21:38):
the grandkids. So when you think about that, is that
the kind of plan you have or you don't even
know yet? So you know, it's basically an emotional hook.
What happens to your assets when you're gone? And Chris,
this is where I think people get I would say sidetracked,
but when they meet with an advisor. It's all about
selling them something. Think about it. They come in with
their statement, they give it to you know, custodian, and
(22:01):
they invested. But what happens after that? What do they
do with it? Do they keep it? Do they lose it?
And then when they need money to then the big
question when you ask everybody, this is always a funny question,
how much do you need every month coming in the
front door. When you ask that question, people go, I
don't know. And that just bewilders me all the time
(22:21):
because no one That's a perfect point, Chris. No one
talks about it. That's just it.
Speaker 3 (22:26):
And you know, I was listening to you and you
made a great question to the listener here and to
me as well, listening what happens when your assets to
your assets when you're gone.
Speaker 2 (22:37):
Think about that.
Speaker 3 (22:37):
Let that digest for a minute.
Speaker 2 (22:38):
Do you know?
Speaker 3 (22:40):
And if you know totally in confirmation, is one hundred
percent that you know where it's gonna go, then that's
a great thing. But I bet you that most listeners
today have a doubt, they have questions in mind. They
don't know really where it's gonna go. I'm talking about
your bank account, I'm talking about your form of case.
I'm talking about your IRA, your roth IRA, your broke
ane account. Think about those accounts. What but the savings
of counts that you have? What about your house? So
(23:02):
what do you do? Why is a state planning so
essential because you want to avoid probate? What's probate? Probates
the court system, that's who's going to make decisions on
your your state and doesn't have to be that way.
There's delays, there's cost, there's public exposure.
Speaker 2 (23:16):
My gosh.
Speaker 3 (23:17):
We have a piece in our office on celebrities who
went through probate. Oh my goodness, when you sit there
and look at what they went through, millions and millions
of dollars wasted and now we know all about their estate.
We don't have to same thing for you. You know,
we want to ensure that assets pass to your loved
ones smoothly, not through havoc and fights and time and delays.
(23:40):
You know, we want to prevent family disputes and confusion.
My gosh, dad, how many stories can we talk about
with this?
Speaker 2 (23:46):
Well, too many to be honest with you, and they're scary,
and their honest stories and they're real. And let me
also throw this out at you everyone listening today. We
do want a state planning seminar. We do four a
month because go to my website Maggie tax dot com
click on seminars. You'll see the dates. We hold them
at libraries and we hold them either at eleven o'clock
or two o'clock in the afternoon. I don't buy dinners
(24:08):
because it's just not going to help me help you.
I want you to come for the education everything. Just
Chris just mentioned here, it's amazing how many people are
sitting there saying, Gee, I wish I would have done that.
G I wish I would have done that. Folks, It's
very easy, it's very cheap, and it's going to save
you thousands of dollars. So just go to my website
Maggietax dot com, click on seminars. You'll see all the
dates there every month. There's four times a month right now,
(24:31):
and we are probably going to do more because it's
so important. When Chris and I are talking about and
what we see every day, it's really sad that you
don't know about something simple enough to get a will
or a trust you know or which one is better,
even like if you have a home I'll mention this
a quick claim deed or a ladybird deed? Why am
I mentioning that to avoid one thing? Chris? It's called probate.
(24:53):
How many clients do we see every day that have
you mentioned it before? Millions of dollars in their IRA
four oh one k and they don't have any of
these documents. And you know how we find out when
the children come in and they say, you know, guys,
I can't get my money from my parents. It's going
through probate. Yeah, you think that's the reason. Why, So
do you want that to happen to you? And it's
the cheapest thing you could.
Speaker 3 (25:13):
Do, absolutely, And you know when we hear those stories,
we just cringe. And then we started looking into where
they came from. And then you come to find out
that mom and dad had their advisor for twenty twenty
five years and then you say they didn't talk to
them about this. Wow, they manage their money really great.
But guess what now you got probate cost and time
(25:34):
and money. How do you go about doing that? And
that's why if you have an advisor now and that's
not talking about total state planning and income planning and
tax planning. Then I really raised the question that you
should come in and meet with us, because let's have
a conversation. If you're looking for a complete plan, we
can help eight three to three Maggie Tax. That's eight
three to three Maggie Tax.
Speaker 2 (25:53):
Well, let me hurt you a little bit more. Okay,
this is really important. How many of you have done
a beneficiary change a benefit? Have you checked your beneficiaries?
Because what Chris just mentioned, when some people pass and
then we look at the beneficiary, guess what, it's not
what you thought it was because you did this ten, fifteen,
twenty years ago. So I challenge all of you give
us a call, sit down with us. Eight three to
(26:14):
three Maggie Tacks. Let's review your documents to see if
they're correct. Because again here's another question. How many of
you have or have not a power of attorney on
healthcare directors? What happens if something happens to you and
you need a healthcare decision to be made, who's going
to make it? Okay, this is what we see every day,
and this is why we do this show because there's
(26:35):
so many things that you could do to make it better.
You just got to sit down have a conversation. Go
over and I said this before, what keeps you up
at night? So what if what keeps you up at
night someone passed away and they're going through probate. Doesn't
that bother you? I think it should and I know
it bothers me when I see it all the time,
and Chris and I see it all the time. It's
(26:55):
not that I can do about it unless you want
to do something about it. Eight three to three Maggie
Tax And Chris, this is so important when you talk
about the things we're talking about today, investment strategies, income planning,
and now is state planning. These are common things that
you all should be thinking of. So get the right
time do it.
Speaker 3 (27:13):
Eight three three Maggie Tax message. Just get the Maggie planned.
Visit our website at Maggie tax dot com. That's M
A G. G. I Tax dot com. All their informations
right there. But I'll give a quick example. I never
forget this story. I've been this business over twenty years,
and I'll tell you the second year I was in
this business, I came across a client who had twenty
(27:34):
thousand dollars to her name, but her brother passed away
who lived in California, and he had two million dollars.
So we met with our client and we took care
of her because it's not about how much money you have,
it's about the whole process. So she came on in
and she told us, you know, her brother passed away,
and we felt terrible for her. And we found that
some information that he had two CDs with the same bank.
(27:55):
One million dollars was with one CD and the other
million dollars which is with the other. But guess what,
the one CD had proper beneficiary designation where the other
one did not. So the million dollars went to her
and avoided probate because it was the right transfer, very
quickly and efficiently. But the other million it took eighteen months.
Eighteen months through probate. You had attorney costs, you had fees,
(28:18):
everyone knew about his public record and everything, and guess
what you call could have been avoided. So the same bank,
when we'll, had this all mess up because they didn't
do the proper planning. So pick up the phone, schedule
appointment today. Don't let this happen to you. Eight three
three MAGI tax that's eight three to three Magi tax.
Speaker 2 (28:38):
Let me make it simple. Your legacy starts now, and
think about it. You've worked hard, You've saved, you invested
and built a life worth protecting. But without a plan,
everything that you've built could be left to chance. That's
not a good plan. A state planing isn't just about
avoiding probate. It's about making sure that your family doesn't
have to fight through red tape while grieving. That's the
(29:01):
worst time. It's about clarity, compassion, and control. So ask
yourself if something happened tomorrow, would your loved ones know
what to do? Would your wife know what to do?
Would your children know what to do? Would your assets
go to where you intended? Would your legacy be protected?
And that's important? Okay, if you're not sure, it's time
(29:22):
to act. Eight three three Maggie TACs call us today.
Let's build a plan that honors your life, protects your family,
and gives you peace of mind. Because your legacy deserves
more than hope. It deserves a strategy. And Chris, so
many times when we meet with people, we get through
an appointment, it's always like what do you have? It's
not what we have, it's what would you like? To do.
(29:45):
What is your plan? And why are you here to
see Chris and I today? And I think all of
you out there have to start asking that question. If
you're going to meet with the advisor, how can they
help you? What are they going to help you with
just an investment? Folks, that's not good. And that's why
we're successful at what we do on the Maggie Plan
because we talk about taxes, we talk about investments, we
(30:07):
talk about social security pensions, we talk about Will's trust
and everything else that goes along with it. And you
know what, if your advisor is not doing that, shame
on them. And one thing Chris mentioned before, so what
if you had an advisor for twenty years now go
back and ask them why they didn't finish the job.
Speaker 3 (30:22):
But that's it, and that's why it's so important. And
your future begins with one phone call. Pick up the phone,
schedule time to meet with us. Let's have a conversation.
We have office on both sides of the bay. But
when we do complete planning such as income planning and
your investment playing and planning and how it incorporates with
your taxes and how much you're going to pay at
tax and your legacy plan. You can see how this
all fits together, and that's why we call it the
(30:43):
Maggie Plan. And that's why we call it the Maggie Plan.
Putting your puzzle pieces together, we can definitely do it
for you. It starts with a phone call eight three
to three Maggie Tax. That's eight three to three Maggie Tax.
And don't forget tune in every Sunday on ABC TV
at ten thirty for the Maggie te Finny your showing
eight three three Maggie Tax.
Speaker 2 (31:03):
That's eight three to three Naggie Tax.
Speaker 1 (31:07):
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
(31:28):
three 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 (31:45):
Welcome back to the Maggie Tax and Financial Show. My
name is Robert Maggie and I'm here with my son
Chris Maggie. So we've been talking about an awful lot
today and if you have questions or concerns, now is
the time to pick up the phone eight three three
Maggie Tax, and don't forget Every ten thirty on ABC TV,
tune into the Magi Tax and Financial Show. We talk
(32:05):
about a lot of things that might help you out.
So give us a call eight three to three Maggie Tax.
And think about it. You built the life, protected your legacy,
and made sure your love the ones won't be burdened
by probate. We talked about that before. But here's the question.
We really ask who's helping you connect all the dots?
Because the state planning is just one piece of the puzzle,
(32:27):
and if the rest of your financial life isn't aligned,
even the best plan can fall short. And here's the problem.
The problem too often is that people work with a
tax preparer in one corner, an investment advisor in another,
and maybe in a state attorney somewhere down the line,
but no one's talking to each other. And that's how
things get messed up. That's how things get missed. Beneficiaries
(32:49):
don't match tax strategies, conflict with income plans, and opportunities
slip through the cracks. And that's the probably the biggest
mistake and the most common mistake most people make. So, Chris,
what's the solution to all this? How simple can it be?
Speaker 3 (33:03):
Well, that's so important, and that's why you need a
complete advisor, someone who sees the full picture your taxes,
your investments, your retirement income, and your a state plan
and brings it all together. And a complete advisor doesn't
just react to problems, they anticipate them. They build strategies
that work in harmony, not isolation. And that's what we
do here. We call it the Maggie Plan, and that's
(33:25):
why we want you to visit our website, Maggie tax
dot com, because we can put it all together. If
you ever felt like your financial life is a stack
of disconnected folders, do you ever think about that? Well,
it's time to change that. And that's why you can
just pick up the phone. It starts with you. Pick
up the phone, schedule time to meet with us. Let's
sit down and build a plan that's not just smart,
it's complete because your future doesn't deserve to have fragments.
(33:50):
It deserves a team that sees the whole view and mind.
And that's why we talk about complete planning. There's transactional
advisors out there, but then there's complete planners. And that's
why we set up our company this way because we
understand the tax side of things, the investment side, the
income planning, the estate planning, you know what about social
security and medicare planning. We can help with all this.
(34:10):
So we have the people in place in house, so
you don't have to go each and everywhere. And that's
why all you got to do is schedule appointment to
meet with us. A three three Maggie Tacks.
Speaker 2 (34:21):
You know, as you're talking about that thing came to
my mind. I mean, you know how silly I could get.
But what I'm gonna do is make a puzzle. And
it's like a small puzzle, maybe an eight and a
half by eleven, And when clients come in, we're going
to give them the puzzle and see if they could
put it together. Maybe that might work.
Speaker 3 (34:37):
It's hard enough with them as it is, because many
people see all honesty you've made a joke about it.
But you know, people come in and they're confused and
they want help, right and they've been saying, I've been
wanting this for years, and I've listened to your show
for a long time, and you know, it hit me
a lot of times and I want to do this.
And I asked them why haven't they done it? And
they said, well, time, you know, I just haven't gotten
(34:58):
to it. Or you know, I've been looking but haven't found.
This is a lot of different reasons, but now is
a time. The time is now. You can't start over
if you can start right now.
Speaker 2 (35:06):
And that's why we call it the Maggie Plan. It's
simple and easy to understand, and it's even easy if
we put the puzzle together for you. So eight three
three Maggie tax. This is on you, folks, it's on you.
All you got to do is pick up the phone, call,
spend some time, make an hour and appointment with us.
Let's go over the problems that you have. And like
I said before, what keeps you up at night? Is
it a state? Planning?
Speaker 3 (35:28):
Is?
Speaker 2 (35:28):
Do you have it in order? Do you have a
will or trust? Is it correct? Do you have a
beneficiary form, Is it correct? Is it updated? We talk
about the risk of you know, maybe sometimes I think
people get the wrong advice, Chris, and I understand that.
You know, they go to one advisor and they get
another one. But you know, many people work with separate professionals,
maybe a CPA, a financial advisor, and an estate planning attorney,
(35:51):
and if they're not communicating, which I mentioned before, critical
details get missed. And Chris, we've talked about this where
we have a tax client done the tax return and
it was done incorrectly, and then they go to a
CPA and the CPA gives some different advice. Wow, how
I mean it's confusing.
Speaker 3 (36:08):
So you're talking about like fragmented advice, all right? Is
that we're talking about the risk of that. And many
people work with separate professionals, as you just mentioned, they're
not communicating together. For you, critical details get missed, leading
into tax inefficiencies, probate surprises, even lost opportunities, poor tax decisions,
outdated beneficiary designation. So what is a complete advisor? What
(36:29):
do they do?
Speaker 2 (36:30):
They do complete planning. They do everything from tax planning,
from income planning, from an investment planning, from a state planning,
to wills and trust, even to kids for the for
the you know, for college. That's sorry.
Speaker 3 (36:42):
They build strategies that work together. That's not in isolation exactly.
And if you don't have a strategy, you're not going
to win. Here's another thing.
Speaker 2 (36:49):
If you don't have a plan, or if you're going
to be traveling and you don't have a roadmap where
you going to go, it doesn't make sense exactly.
Speaker 3 (36:55):
And it leads us to an example that I'm talking
about here. We had a client that had a great
investment plan when they first met with us, but guess what,
there was no estate strategy. Their assets were tied up
in probate for over a year. And we went through
this with the client and we said, oh my gosh,
I wish we would have got to you sooner to
help you avoid all this. So don't settle for fragmented advice.
Call us today a three to three mag attacks meet
(37:16):
with a complete advisor who sees the whole picture.
Speaker 2 (37:20):
I mean, it's simple to talk about, but it's a
confusing issue for everybody. And if you've ever felt like
your financial life is scattered across spreadsheets, statements and separate advisors,
and we have clients come in with statements they've never
opened over there. So think about this. You spent your
life working hard, saving wisely, and planning carefully. But without
(37:40):
someone who sees the full picture your taxes, your investments,
your income, and your legacy, your plan could be missing
the most important piece. A complete advisor doesn't just help
you grow your wealth. They help you protect it, preserve it,
and pass it on with purpose. You have to have
a purpose with what you're doing. This isn't about having
(38:01):
more meetings, it's about having the right one. If you've
ever felt like your financial life is scattered across spreadsheets,
statements and separate advisors, it's time to bring it all together.
Call us today. Sit down with a team that understands
every layer of your financial future. Because peace of mind
doesn't come from hoping it all works out. That is
(38:22):
not a plan. It comes from knowing it will. That's
the Maggie Plan, simple and easy to understand, tax plan,
income planning, state planning, all types of planning. And let's
complete your plan. And it starts with one powerful conversation
eight three to three Maggie Tax.
Speaker 1 (38:42):
You've been listening to the Maggie Tax on Financial Hour
discussing tax planning investment strategy is presented by Robert and
Chris Maggie from Maggie Tax Advisory and Financial Services with
offices in Hillsboro and Panela's County. Visit Maggie tax dot
Com or called eight one three three two two twenty
five twenty. That's eight one three three two two twenty
(39:04):
five twenty and tune in next Saturday at five for
the Maggie Tax and Financial Hour
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