August 9, 2025 • 27 mins
This week on Safe Money Strategies, things get personal and a little playful. Kelly and her son William kick off the show with a hilarious update on family life, from Mary Madeline’s impressive half marathon to the upcoming arrival of a new puppy, and a sibling rivalry that reaches new heights with handmade signs and canine custody claims. It’s all in good fun and it’s a reminder that life’s big and little moments are worth planning for. Later in the hour, our team of trusted fiduciary advisors explores strategies to help you stay financially confident at every stage of life. From managing risk and navigating inflation to building income that lasts, we share smart ways to plan ahead, so you can spend more time focusing on the people you love. Whether you’re planning your first 401(k) or preparing for retirement, this hour blends real-life stories with financial clarity and just might make you laugh along the way. Make Safe Money Strategies part of your Saturday night tradition. Have questions or want to schedule a complimentary consultation? Call 888-800-1881 or email kelly@kellyfinancial.org
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Episode Transcript
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Speaker 1 (00:00):
Discover safe money strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kellyfinancial dot org.
Speaker 2 (00:16):
Good e thing.
Speaker 3 (00:16):
This is Greg Murray, senior vice president and chief Compliance
Officer at Kelly Financial Services. Joining me tonight is Mary
Madeline Kelly, one of her wealth advisors. How are you
doing tonight?
Speaker 4 (00:26):
Good evening, Greg. I am doing great. Now that my
half marathon is behind me, I can relax a little.
It went well and I finished, which is what matters most.
I ran it with my best friend, so it was
nice to have a running buddy throughout the many miles.
How are you doing tonight?
Speaker 3 (00:42):
I am also doing great. I'm glad to hear you
had a great time at your half marathon. It always
impresses me how people are able to run that much.
Speaker 4 (00:48):
Half is attainable, but I really can't imagine myself running
a full marathon. I just don't know how not to
get bored from running that many miles. But speaking of endurance,
it actually reminds me of today's topic because building financial
security is a lot like long distance running. It takes time, consistency,
and a good plan Tonight, we're diving into a topic
(01:08):
that's relevant for everyone listening, no matter how much you earn,
how to build financial security.
Speaker 3 (01:13):
Absolutely, a lot of people think financial security is only
possible if you're a high earner, but that's just not true.
With the right habits, you can create a solid foundation
at any income.
Speaker 4 (01:22):
Level, right and we're breaking this down into six strategies
that anyone can start implementing today. Let's start with the
first one. Pay yourself first.
Speaker 3 (01:30):
This one is powerful as soon as your paycheck hits
set aside a percentage. Ten percent is ideal, but even
five percent is a great start, and move it directly
into savings or a retirement account. Make it automatic so
you don't even have to think about it.
Speaker 4 (01:43):
That's key. Automation removes the temptation to spend that money.
You're essentially treating savings as a non negotiable expense, just
like rent or utilities exactly.
Speaker 3 (01:53):
And once you set that up, the next step is
building a budget. I know budgeting can feel restrictive, but
it's really about taking control.
Speaker 4 (01:59):
And you can make it simple. There are a lot
of apps out there, but even just tracking your spending
for a month can open your eyes to where your
money is really going. When you know what's coming in
and going out, you can start prioritizing your goals.
Speaker 3 (02:11):
That ties in nicely with another big one, building an
emergency fund. If the car breaks down or you have
a medical bill pop up, you need a cushion, so
you're not putting it on a high interest.
Speaker 4 (02:19):
Credit card exactly. We tell clients to aim for three
to six months of living expenses, but don't let that
number overwhelm. You start with five hundred, then one thousand
dollars and build it from there. It's all about creating
that safety net.
Speaker 3 (02:32):
Another thing people overlook is protecting what they have, which
is our fourth strategy. This means having the right insurance, health, disability,
life and even renters insurance.
Speaker 4 (02:42):
If you don't own a home, and it's worth reviewing
your policies regularly. Are you paying for coverage you don't need?
Are you under insured? A major event could derail years
of progress if you're not covered properly.
Speaker 3 (02:53):
Definitely, Once your foundation is solid, the next step is
increasing your income. That could mean asking for a raise,
starting a side hustle, or even finding ways to monetize
a hobby.
Speaker 4 (03:02):
And it doesn't have to be a huge amount, even
an extra two hundred dollars a month. If you consistently
save or invest it, it can have major impact over time.
Speaker 3 (03:09):
Speaking of investing, that's our sixth and final strategy. Once
you've got an emergency fund in place and your debts
are under control, put your money to work.
Speaker 4 (03:17):
And that means thinking about your long term goals. Are
you contributing to a four oh one k or a
rough ira. Are you using low cost investments like index funds?
Are you being mindful of taxes so you can keep
more of what you are.
Speaker 3 (03:30):
The versification is also important. You don't want all your
money in one place, and remember your short term money,
like what you need in the next year or two,
shouldn't be invested in risky assets.
Speaker 5 (03:40):
Right.
Speaker 4 (03:40):
If you look at all six of these together, paying
yourself first, budgeting, building an emergency fund, protecting your assets,
increasing your income, and investing wisely, they really form a
complete roadmap.
Speaker 3 (03:52):
And what's great is that these strategies are flexible. Whether
you make forty thousand dollars a year or two hundred
thousand dollars a year, you can scale them up or
down to fit yourself. Situation.
Speaker 4 (04:00):
Let's give a quick example. Imagine someone earning forty thousand
dollars a year. If they automate seven percent into savings,
track their spending to cut back on unnecessary expenses and
build up three months of living expenses, they're already building security.
Then maybe start a little side hustle bringing in an
extra two hundred dollars a month and direct that money
into investments.
Speaker 3 (04:20):
Exactly. Progress builds momentum, and over time, those small decisions
can completely change someone's financial future.
Speaker 4 (04:26):
So here's our challenge to listeners. Pick one of these
strategies and start this week. Set up that automatic transfer,
track your expenses, or open that roth Ira you've been
putting off and.
Speaker 3 (04:36):
Don't feel like you have to do everything at once.
Financial security is built step by step in consistency is
what matters the most.
Speaker 4 (04:43):
Well, that's a perfect note to end on. If you'd
like personalized guidance on how to put these strategies into action,
reach out to us.
Speaker 3 (04:49):
We're here to help absolutely.
Speaker 4 (04:51):
All right, Greg, Well, that wraps things up. Enjoy the
rest of your weekend and I will see you next week.
Speaker 1 (04:57):
Discover safe money strategies with Kelly. Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 4 (05:08):
I believe that this nation should commit it so achieving.
Speaker 6 (05:12):
The goal of landing a man on the Moon and
returning him safely to the.
Speaker 7 (05:16):
Earth six five four three two one zero all engine.
Speaker 8 (05:24):
Run, go, look, go, and apollowleven. Remember those Apollo Moon
missions one of America's greatest adventures and achievements too. The
nation set a goal and then realized it. What are
your goals? At Kelly Financial Services, We've got the right
team and technology to help launch your retirement planning. Let
(05:47):
us help you set and reach your goals for your
greatest adventure and achievement. Call us at eight eight eight
eight hundred eighteen eighty one or visit us at Kelly
Financial dot org. Where do you want to land within
anglity beavior?
Speaker 5 (06:03):
They angle have landed.
Speaker 8 (06:04):
We are Kelly Financial Services. Come retire with us.
Speaker 9 (06:12):
And we're back.
Speaker 10 (06:13):
I'm William Kelly Junior, and I'm here again with someone
who wears two hats, my co host and the CEO
Kelly Financial Services, my mom, Kelly Kelly.
Speaker 7 (06:21):
Thank you William. That introduction never gets old and is
a privilege to be in this business and help families
every week, and it's great to be here with you
on this Saturday evening.
Speaker 10 (06:34):
Same here today, we're picking up where we left off
Part two of retirement Risks to avoid all costs.
Speaker 9 (06:39):
In this time, we're going beyond.
Speaker 7 (06:41):
The numbers exactly because some of the biggest retirement risks
aren't about markets or interest rates. They come from real life.
Speaker 10 (06:50):
Right, So let's dig into these unexpected life events and
how the right planning can make a big difference. Let's
start with something that really throws people off course, family
surprises like a divorce, the loss of a spouse, or
even a grown child moving back home.
Speaker 7 (07:04):
Those are big emotional moments, but they have big financial
consequences too. That's why flexibility in retirement is so important.
The more margin you build in, the better you can
handle life's curve balls.
Speaker 9 (07:21):
But how do you prepare for something you don't see coming.
Speaker 7 (07:24):
It starts with honest conversations, especially with your spouse or
adult children. What would you do if someone passed away,
or how to help this you or needed financial support.
Having those talks early gives you peace of mind later.
Speaker 10 (07:41):
Not easy conversations, but definitely necessary, they really are.
Speaker 9 (07:46):
Let's talk about the nuts and bolts. What are some
practical things people should do.
Speaker 7 (07:51):
Keep your insurance policies current, make sure beneficiaries are up
to date, not just on retirement accounts but all so
on life insurance and even your bank accounts.
Speaker 9 (08:04):
And what about emergency saving? Should that be bigger in retirement?
Speaker 7 (08:07):
Absolutely, It's not just about car repairs or medical bills anymore.
Retirees might need to help a child through a job
loss or cover unexpected end of life expenses. A healthy
emergency fund gives you breathing room.
Speaker 9 (08:24):
So it's not just about protecting yourself.
Speaker 10 (08:26):
It's about being able to support others without throwing your
own planoff track exactly.
Speaker 7 (08:31):
And when a financial advisor understands your whole family picture,
they can help build that flexibility right into the plan.
Speaker 9 (08:39):
All right, Let's shift to another big one, taxes.
Speaker 10 (08:42):
People often underestimate how much taxes can eat into retirement.
Speaker 7 (08:46):
Income, especially if most of your savings are in tax
deferred accounts like four oh one ks or traditional iras.
You have to be strategic about how and when you
withdraw that money.
Speaker 9 (09:00):
Can retire is due to lower their tax exposure.
Speaker 7 (09:02):
Consider converting some of those funds to a wroth IRA.
Pay the taxes now while rates may be relatively low,
and don't assume the RMD minimum is the smartest option.
A tax planner can help map out the best withdrawal
strategy year by year.
Speaker 10 (09:20):
Let's move to one of the biggest surprises in retirement,
long term care. It's a big.
Speaker 7 (09:25):
Issue, it really is. Whether it's in home care or
assisted living, the cost can be very steep and Medicare
generally doesn't cover it. That's why we encourage clients to
understand what long term care really involves and explore insurance
or hybrid policies that help provide coverage.
Speaker 9 (09:47):
And it's not just financial, it's emotional too.
Speaker 7 (09:49):
That's right. Talk with your family about how care would
work and who would be involved. Planning ahead makes it
much easier on everyone.
Speaker 9 (10:00):
All right, here's a big mistake we've seen before. People
treat their four one K like a piggybank.
Speaker 7 (10:05):
Yes, and as risky loans or early withdrawals can shrink
that nest egg fast and they miss out on compound growth,
which is critical.
Speaker 9 (10:15):
What's your take.
Speaker 7 (10:16):
We tell clients treat four oh one K loans as
a last resort. They're often better, smarter ways to get
the cash you need.
Speaker 10 (10:26):
What about those who started saving late or think retirement
is just about the numbers.
Speaker 7 (10:30):
Retirement isn't just a math problem. Is a lifestyle. You
need a plan for your time, your identity, your purpose.
And while starting late is a challenge, even small steps
in your thirties, forties, or fifties can make a real impact.
Don't forget catch up contributions if you're over fifty.
Speaker 9 (10:52):
Sat As a financial advisor, helped tie all this together.
Speaker 7 (10:55):
At Kelly Financial, our advisors look beyond spreadsheets. We model
different what if scenarios, health events, inflation, taxes so clients
can see how their plan holds up. We're with them
through all of life's chapters, not just the easy ones.
Speaker 10 (11:14):
So the takeaway is you don't have to do this alone.
What should listeners do next?
Speaker 7 (11:18):
I'd encourage them to reach out. If today's show raised questions,
We'd love to send a free copy of my book,
Retire Your Fear, Plan Your Future. It covers everything we've
talked about, plus social security, income planning, market risk, and more.
It's written to help you build a retirement plan that's flexible,
(11:40):
resilient and clear.
Speaker 9 (11:42):
Thanks Mom.
Speaker 10 (11:43):
To get the guide and set up a complimentary appointment
with a Kelly Financial Advisor, call eighty eight eight hundred
and eight one or email us at Kelly at Kelly
Financial dot org. That's all for tonight. I'm William Kelly Junior.
Thanks for joining us on Safe Money Strategies heard right
here on WBZ and streaming on the iHeart app.
Speaker 9 (12:02):
We're in our twentieth year broadcasting, so thank you for listening.
Speaker 1 (12:05):
Stay with us.
Speaker 9 (12:06):
We'll be right back.
Speaker 1 (12:10):
Safe Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and one or
go to Kelly Financial dot org. That's Kelly at Kelly
Financial dot org.
Speaker 8 (12:23):
I'm John Boudris, and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 2 (12:34):
You can always make money if you haven't if you
lose it all, it's very difficult to do that. So
you have to have a plan. If the market goes
up quite a bit or down quite a bit, you
have to be ready. And how do you sort fact
from fiction?
Speaker 8 (12:48):
Download Kelly Financial's Consumer Guide simply called the value of
an objective opinion. With so much at steak with your
retirement future, you don't just want any financial advice, but
objective financial advice. And as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org
(13:10):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 2 (13:15):
Ladies and gentlemen, sort fact from fiction.
Speaker 8 (13:17):
We are Kelly Financial Services. Come retire with us.
Speaker 9 (13:25):
We're back.
Speaker 6 (13:26):
You are listening to Kelly Financial Safe money Strategies. I'm
Mike Ducett, chief operating Officer at Kelly Financial, and I'm
joined by one of the trusted advisors on our staff,
Greg Workman.
Speaker 11 (13:36):
Our goal on this and every radio broadcast is to
help you make smart decisions with your money.
Speaker 6 (13:43):
All right, Greg, let's talk about one of the hottest
topics today, Artificial intelligence or AI. First off, what is
AI and why are people so excited about it?
Speaker 11 (13:52):
AI or artificial intelligence, is technology that enables machines to
perform tasks that typically were require human intelligence, like learning, reasoning,
or understanding language. People are excited about it because it's
rapidly improving productivity, transforming industries and creating entirely new ways
(14:13):
to solve complex problems.
Speaker 6 (14:15):
And that has investors seeing dollar signs. I read somewhere
that artificial intelligence is bringing such disruption to the fields
of science, arts and business comparable to the renaissance.
Speaker 9 (14:26):
I know.
Speaker 6 (14:26):
We've had a lot of inquiries from our clients asking
how they can get involved.
Speaker 11 (14:30):
We certainly have. The good news is that at a
thirty thousand foot level, most all of our client portfolios
do have exposure to the AI trend. Take, for instance,
the S and P five hundred Index, which includes companies
from eleven different sectors, from information technology to utilities and
financial services. Most all these companies stand to read powerful
(14:53):
bottom line benefits from artificial intelligence.
Speaker 6 (14:56):
Goldman Sachs and Morgan Stanley estimate that AI could boost
S and P five hundred earnings by ten percent to
fifteen percent or more over the next decade.
Speaker 11 (15:06):
Consulting giant Mackenzie projects AI could add four point four
trillion dollars annually to the global economy, a portion of
which would flow into the S and P five hundred
company earnings.
Speaker 6 (15:20):
And Bank of America suggests AI could drive an additional
two hundred to three hundred billion in annual revenue across
the S and P five hundred by twenty thirty.
Speaker 11 (15:30):
Owning the broad market may seem like a boring way
to play the artificial intelligence trend, but it's anything but
You get diversification in eleven different sectors with five hundred
of the largest, most stable companies out there.
Speaker 6 (15:44):
Let's drill down a bit for an investor looking for
a little bit more risk in exchange for potentially more reward.
What do those AI investments look like?
Speaker 11 (15:54):
There are several dozen exchange traded funds that are purely
focused on artificial intelligence, not counting broader tech or general
innovation funds.
Speaker 6 (16:04):
An ETF or exchange traded fund is a type of
investment that holds a collection of assets like stocks, bonds,
or commodities, and trades on a stock exchange. Like an
individual stock.
Speaker 11 (16:15):
ETFs or exchange traded funds are diversified, typically low cost liquid,
and can be tax efficient, which makes them a good
fit for investors who don't want the hassle or stress
of picking or managing individual stocks.
Speaker 6 (16:29):
You went to an investor conference in Nashville about a
month ago. One of the presenters was an AI specialist.
Speaker 11 (16:35):
That's right. We heard from Tony Kim, who is a
managing director at Blackrock, where he heads a fundamental equity
technology group, helping to oversee all of the active technology
investments that Blackrock makes. In addition to being a portfolio
manager and running a number of mutual funds and ETFs.
He's a world class technology investor who understands the sector
(16:57):
like few other people do.
Speaker 6 (16:59):
I know you were excited about Tony's layer cake analogy
when it comes to AI investing. Share that with our listeners.
Speaker 11 (17:05):
Kim describes AI as a multi layered ecosystem built like
a nine layer cake, with each layer representing a different
segment of the AI value chain.
Speaker 6 (17:16):
Infrastructure at the base, than models, data, intelligence, and finally
applications in service at the top.
Speaker 11 (17:23):
While most current investment flows into the infrastructure layer chip
makers like Nvidia and cloud companies like Microsoft, the real
growth potential over the next few years will shift towards
the intelligence layer.
Speaker 9 (17:36):
That makes sense.
Speaker 6 (17:37):
At the heart of artificial intelligence is data, lots of
it being generated all the time.
Speaker 11 (17:42):
Eventually there will be a big opportunity for investors in
AI powered applications and services. Tony Kim encourages investors to
look beyond megacap names today and explore deeper into the ecosystem,
identifying opportunities across multiple layers of the cake. As artificial
intelligence adoption widens.
Speaker 6 (18:04):
AI is already reshaping our everyday lives in subtle but
powerful ways, and its impact is set to grow dramatically.
Savvy investors are taking note and already making gains from
this once in a lifetime opportunity to participate on the
cutting edge.
Speaker 11 (18:18):
Your financial future deserves more than just guesswork. A second
set of expert eyes can uncover hidden risks, missed opportunities,
and ways to make your money work harder for you.
Even small adjustments today can lead to significant better outcomes tomorrow.
Speaker 6 (18:36):
At Kelly Financial Ware, fiduciary and the advisors on our
team aren't earning commissions from their investment recommendations.
Speaker 9 (18:43):
Why is that important?
Speaker 6 (18:45):
You can rest easy knowing that advice and guidance you
receive is in your best interest.
Speaker 11 (18:50):
Call us today at eighty eight eight eight hundred eighteen
eighty one again triple eight eight hundred eighteen eighty one.
Call us to schedule your complementary portfolio review or to
start the planning process with a free copy of our
Safe Money Strategies workbook. With that, I'm Greg Workman.
Speaker 6 (19:12):
And I'm Mike you said, join us next week for
more safe money strategies.
Speaker 7 (19:18):
I'm Kelly Kelly from Kelly Financial. Retirement is a time
to enjoy the fruits of your labor, but is also
a period when financial stability becomes more critical than ever,
so seeking expert financial advice is essential, regardless of your age.
Professional guidance insurance your assets are allocated wisely, helping your
(19:39):
money last as long as you need it. The advisors
at Kelly Financial will help you take charge of your
financial future and preserve your hard earned wealth to enable
you to focus on the retirement you've dreamed of. We
have a free investor guide called designing your Fiscal House
to Weather the Elements, which highlights the step needed to
(20:00):
build a balanced portfolio. For the guide and a free
consultation with a Kelly advisor, call eight eight eight eight
hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.
Speaker 1 (20:17):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 7 (20:32):
Before we say goodnight, I want to share something from
the late Bill Kelly, my husband and the heart behind
so much of what we do here. He used to
say that some of the best lessons in life weren't
taught in classrooms. They were passed down at the dinner table,
on the farm, or during a quiet ride to the polls.
(20:53):
In this reflection, Bill talks about values, real values, the
kind that shaped this childhood and shape this business, from
diction to discipline, law and ordered a hard work. It's
a glimpse into the world that raised him, and maybe,
just maybe it'll remind us that the best things in life,
(21:14):
the values that matter, still live on. Here's Bill.
Speaker 2 (21:19):
What were the values that my grandfather taught me? There
were many ladies and gentlemen, many many values that he
taught me. Diction. Can you imagine that we're all on
a farm, and we're all huddled together like a pile
of puppies, and here's a man. When we get home
from school. He would ask us the words we learned,
(21:40):
and he would tell us the importance of diction, and
that helped myself and my brother in Connecticut who started
me in this business. I know it helped us because
that was a lesson that would allow us to stand
out in the crowd. He said, good diction begins with
the teeth, tongue, and lips. I can see him standing
right there saying it, ladies and gentlemen, I'm on the show. Look,
(22:02):
if I had the voice of some other people on radio,
I think I'd be a billionaire. You know, I'm not
on here because of my vocal talent, and I'm not
on here because I'm the sharpest person in radio. I'm
here because we love doing the show, and apparently you
love listening. And that's the extent of it. And I
don't fool myself, but I do my best. It's very demanding,
(22:23):
but dition was something that was important to this man,
and he taught us, and some of us listened. Some
of us didn't respect for teachers paramount in our house.
If a note came home from school, it was a
huge event, ladies and gentlemen, huge event, and it didn't
generally work out in our favor. If it was a
message that we hadn't been doing what we were supposed
(22:46):
to be doing so. If the note came home, there
was definitely a meeting with my folks after dinner and
it was discussed. And generally the committee that I met
with that night might be my mother and my grandfather,
my father and my mother. They generally sided with the school,
I would say one hundred percent of the time. So
(23:07):
nobody called the school and said we're going to sue
the teacher. They called the school and said, it's taken
care of. It happens again. Please let us know. Respect
for law and order, paying your taxes, being a good
citizen was taught at an early age. Voting was paramount.
As each of us reached the age of sixteen, we
(23:27):
were expected to drive people to the polls. Back in
those days, those people were Democrats, ladies and gentlemen, I
believe from the looks of them and everything they said
on the way over there in the car. We were
bringing Democrats to the polls to vote for other Democrats, obviously,
and that was something we did. We participated in government.
(23:49):
We actually watched news conferences in my home. So we
have basically uneducated people from Ireland stressing the need for diction,
participation in government and paying attention to political news. That's
what it was like. That's what my life was like
back then. What else, law and order, obeying the rules,
(24:13):
highly stressed. We didn't get a chance to participate in
the nineteen sixties hippie thing. We got sideburns. Basically they
could go to the bottom of your ear attached to
your head. That was the limit you were going to have.
Or you work and to sit at the table at night.
It wasn't going to be comfortable. Work and employment, those
are extremely important to people in my family to always
(24:36):
have a job, no matter what you were doing. If
you got fired or quit or laid off, you were
not encouraged to take unemployment. Although nobody would make fun
of you. You were encouraged to get another job right away.
If it wasn't the right fit, something would come up
along the way to make it the right fit and
you get the right job eventually. But sitting around the
(24:59):
house waiting for the perfect job was not really a
family tradition at the Kelly house. Those were the values
we were taught. We were a union household. We respected unions,
we respected people's labors, people who worked, and I'd believe
up until that point, I don't think it was abused
(25:19):
the way that Acorn and Sciu. It wasn't besmirched. It
was a proud thing in our lives that we supported
union movements and better working conditions, higher wages, and better
standard of living. That's all changed now. The unions are
of a very different function. In many ways, they served
(25:40):
to be political entities, which is not what the purpose
was when they started. They were trying to keep people
from working on Sundays or if they had to work Saturdays,
to get more money. They set the work week at
forty hours, and we needed that badly, especially in Rhode Island,
especially in Providence, because what was in Providence meals of
(26:00):
any type you could imagine. They made everything from paper
to jewelry to any type of thing that you might
imagine that had anything to do with metal, jewelry or machinery.
So that's what it was like at our home. Those
were our values. They were taught to us by our
parents and grandparents, and it seems like a dream right
(26:21):
now when we look back, it seems like those values
are gone, but they're not. Ladies and gentlemen, they're still here.
Speaker 1 (26:32):
Discover safe money strategies with Kelly. Kelly and her team
called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 5 (26:52):
All opinions expressed by the host guests for employees of
Kelly Financial Services are solely their own and do not
reflect the opinions of Kelly Financial Services. Information has been
obtained from US source is deemed to be reliable, but
their accuracy and completeness cannot be guaranteed. The information provided
is general in nature and is not intended to be
specific investment, tax, or legal advice. It is always advisable
to consult a professional before making a financial decision.
Discover safe money strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kellyfinancial dot org.
Speaker 2 (00:16):
Good e thing.
Speaker 3 (00:16):
This is Greg Murray, senior vice president and chief Compliance
Officer at Kelly Financial Services. Joining me tonight is Mary
Madeline Kelly, one of her wealth advisors. How are you
doing tonight?
Speaker 4 (00:26):
Good evening, Greg. I am doing great. Now that my
half marathon is behind me, I can relax a little.
It went well and I finished, which is what matters most.
I ran it with my best friend, so it was
nice to have a running buddy throughout the many miles.
How are you doing tonight?
Speaker 3 (00:42):
I am also doing great. I'm glad to hear you
had a great time at your half marathon. It always
impresses me how people are able to run that much.
Speaker 4 (00:48):
Half is attainable, but I really can't imagine myself running
a full marathon. I just don't know how not to
get bored from running that many miles. But speaking of endurance,
it actually reminds me of today's topic because building financial
security is a lot like long distance running. It takes time, consistency,
and a good plan Tonight, we're diving into a topic
(01:08):
that's relevant for everyone listening, no matter how much you earn,
how to build financial security.
Speaker 3 (01:13):
Absolutely, a lot of people think financial security is only
possible if you're a high earner, but that's just not true.
With the right habits, you can create a solid foundation
at any income.
Speaker 4 (01:22):
Level, right and we're breaking this down into six strategies
that anyone can start implementing today. Let's start with the
first one. Pay yourself first.
Speaker 3 (01:30):
This one is powerful as soon as your paycheck hits
set aside a percentage. Ten percent is ideal, but even
five percent is a great start, and move it directly
into savings or a retirement account. Make it automatic so
you don't even have to think about it.
Speaker 4 (01:43):
That's key. Automation removes the temptation to spend that money.
You're essentially treating savings as a non negotiable expense, just
like rent or utilities exactly.
Speaker 3 (01:53):
And once you set that up, the next step is
building a budget. I know budgeting can feel restrictive, but
it's really about taking control.
Speaker 4 (01:59):
And you can make it simple. There are a lot
of apps out there, but even just tracking your spending
for a month can open your eyes to where your
money is really going. When you know what's coming in
and going out, you can start prioritizing your goals.
Speaker 3 (02:11):
That ties in nicely with another big one, building an
emergency fund. If the car breaks down or you have
a medical bill pop up, you need a cushion, so
you're not putting it on a high interest.
Speaker 4 (02:19):
Credit card exactly. We tell clients to aim for three
to six months of living expenses, but don't let that
number overwhelm. You start with five hundred, then one thousand
dollars and build it from there. It's all about creating
that safety net.
Speaker 3 (02:32):
Another thing people overlook is protecting what they have, which
is our fourth strategy. This means having the right insurance, health, disability,
life and even renters insurance.
Speaker 4 (02:42):
If you don't own a home, and it's worth reviewing
your policies regularly. Are you paying for coverage you don't need?
Are you under insured? A major event could derail years
of progress if you're not covered properly.
Speaker 3 (02:53):
Definitely, Once your foundation is solid, the next step is
increasing your income. That could mean asking for a raise,
starting a side hustle, or even finding ways to monetize
a hobby.
Speaker 4 (03:02):
And it doesn't have to be a huge amount, even
an extra two hundred dollars a month. If you consistently
save or invest it, it can have major impact over time.
Speaker 3 (03:09):
Speaking of investing, that's our sixth and final strategy. Once
you've got an emergency fund in place and your debts
are under control, put your money to work.
Speaker 4 (03:17):
And that means thinking about your long term goals. Are
you contributing to a four oh one k or a
rough ira. Are you using low cost investments like index funds?
Are you being mindful of taxes so you can keep
more of what you are.
Speaker 3 (03:30):
The versification is also important. You don't want all your
money in one place, and remember your short term money,
like what you need in the next year or two,
shouldn't be invested in risky assets.
Speaker 5 (03:40):
Right.
Speaker 4 (03:40):
If you look at all six of these together, paying
yourself first, budgeting, building an emergency fund, protecting your assets,
increasing your income, and investing wisely, they really form a
complete roadmap.
Speaker 3 (03:52):
And what's great is that these strategies are flexible. Whether
you make forty thousand dollars a year or two hundred
thousand dollars a year, you can scale them up or
down to fit yourself. Situation.
Speaker 4 (04:00):
Let's give a quick example. Imagine someone earning forty thousand
dollars a year. If they automate seven percent into savings,
track their spending to cut back on unnecessary expenses and
build up three months of living expenses, they're already building security.
Then maybe start a little side hustle bringing in an
extra two hundred dollars a month and direct that money
into investments.
Speaker 3 (04:20):
Exactly. Progress builds momentum, and over time, those small decisions
can completely change someone's financial future.
Speaker 4 (04:26):
So here's our challenge to listeners. Pick one of these
strategies and start this week. Set up that automatic transfer,
track your expenses, or open that roth Ira you've been
putting off and.
Speaker 3 (04:36):
Don't feel like you have to do everything at once.
Financial security is built step by step in consistency is
what matters the most.
Speaker 4 (04:43):
Well, that's a perfect note to end on. If you'd
like personalized guidance on how to put these strategies into action,
reach out to us.
Speaker 3 (04:49):
We're here to help absolutely.
Speaker 4 (04:51):
All right, Greg, Well, that wraps things up. Enjoy the
rest of your weekend and I will see you next week.
Speaker 1 (04:57):
Discover safe money strategies with Kelly. Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 4 (05:08):
I believe that this nation should commit it so achieving.
Speaker 6 (05:12):
The goal of landing a man on the Moon and
returning him safely to the.
Speaker 7 (05:16):
Earth six five four three two one zero all engine.
Speaker 8 (05:24):
Run, go, look, go, and apollowleven. Remember those Apollo Moon
missions one of America's greatest adventures and achievements too. The
nation set a goal and then realized it. What are
your goals? At Kelly Financial Services, We've got the right
team and technology to help launch your retirement planning. Let
(05:47):
us help you set and reach your goals for your
greatest adventure and achievement. Call us at eight eight eight
eight hundred eighteen eighty one or visit us at Kelly
Financial dot org. Where do you want to land within
anglity beavior?
Speaker 5 (06:03):
They angle have landed.
Speaker 8 (06:04):
We are Kelly Financial Services. Come retire with us.
Speaker 9 (06:12):
And we're back.
Speaker 10 (06:13):
I'm William Kelly Junior, and I'm here again with someone
who wears two hats, my co host and the CEO
Kelly Financial Services, my mom, Kelly Kelly.
Speaker 7 (06:21):
Thank you William. That introduction never gets old and is
a privilege to be in this business and help families
every week, and it's great to be here with you
on this Saturday evening.
Speaker 10 (06:34):
Same here today, we're picking up where we left off
Part two of retirement Risks to avoid all costs.
Speaker 9 (06:39):
In this time, we're going beyond.
Speaker 7 (06:41):
The numbers exactly because some of the biggest retirement risks
aren't about markets or interest rates. They come from real life.
Speaker 10 (06:50):
Right, So let's dig into these unexpected life events and
how the right planning can make a big difference. Let's
start with something that really throws people off course, family
surprises like a divorce, the loss of a spouse, or
even a grown child moving back home.
Speaker 7 (07:04):
Those are big emotional moments, but they have big financial
consequences too. That's why flexibility in retirement is so important.
The more margin you build in, the better you can
handle life's curve balls.
Speaker 9 (07:21):
But how do you prepare for something you don't see coming.
Speaker 7 (07:24):
It starts with honest conversations, especially with your spouse or
adult children. What would you do if someone passed away,
or how to help this you or needed financial support.
Having those talks early gives you peace of mind later.
Speaker 10 (07:41):
Not easy conversations, but definitely necessary, they really are.
Speaker 9 (07:46):
Let's talk about the nuts and bolts. What are some
practical things people should do.
Speaker 7 (07:51):
Keep your insurance policies current, make sure beneficiaries are up
to date, not just on retirement accounts but all so
on life insurance and even your bank accounts.
Speaker 9 (08:04):
And what about emergency saving? Should that be bigger in retirement?
Speaker 7 (08:07):
Absolutely, It's not just about car repairs or medical bills anymore.
Retirees might need to help a child through a job
loss or cover unexpected end of life expenses. A healthy
emergency fund gives you breathing room.
Speaker 9 (08:24):
So it's not just about protecting yourself.
Speaker 10 (08:26):
It's about being able to support others without throwing your
own planoff track exactly.
Speaker 7 (08:31):
And when a financial advisor understands your whole family picture,
they can help build that flexibility right into the plan.
Speaker 9 (08:39):
All right, Let's shift to another big one, taxes.
Speaker 10 (08:42):
People often underestimate how much taxes can eat into retirement.
Speaker 7 (08:46):
Income, especially if most of your savings are in tax
deferred accounts like four oh one ks or traditional iras.
You have to be strategic about how and when you
withdraw that money.
Speaker 9 (09:00):
Can retire is due to lower their tax exposure.
Speaker 7 (09:02):
Consider converting some of those funds to a wroth IRA.
Pay the taxes now while rates may be relatively low,
and don't assume the RMD minimum is the smartest option.
A tax planner can help map out the best withdrawal
strategy year by year.
Speaker 10 (09:20):
Let's move to one of the biggest surprises in retirement,
long term care. It's a big.
Speaker 7 (09:25):
Issue, it really is. Whether it's in home care or
assisted living, the cost can be very steep and Medicare
generally doesn't cover it. That's why we encourage clients to
understand what long term care really involves and explore insurance
or hybrid policies that help provide coverage.
Speaker 9 (09:47):
And it's not just financial, it's emotional too.
Speaker 7 (09:49):
That's right. Talk with your family about how care would
work and who would be involved. Planning ahead makes it
much easier on everyone.
Speaker 9 (10:00):
All right, here's a big mistake we've seen before. People
treat their four one K like a piggybank.
Speaker 7 (10:05):
Yes, and as risky loans or early withdrawals can shrink
that nest egg fast and they miss out on compound growth,
which is critical.
Speaker 9 (10:15):
What's your take.
Speaker 7 (10:16):
We tell clients treat four oh one K loans as
a last resort. They're often better, smarter ways to get
the cash you need.
Speaker 10 (10:26):
What about those who started saving late or think retirement
is just about the numbers.
Speaker 7 (10:30):
Retirement isn't just a math problem. Is a lifestyle. You
need a plan for your time, your identity, your purpose.
And while starting late is a challenge, even small steps
in your thirties, forties, or fifties can make a real impact.
Don't forget catch up contributions if you're over fifty.
Speaker 9 (10:52):
Sat As a financial advisor, helped tie all this together.
Speaker 7 (10:55):
At Kelly Financial, our advisors look beyond spreadsheets. We model
different what if scenarios, health events, inflation, taxes so clients
can see how their plan holds up. We're with them
through all of life's chapters, not just the easy ones.
Speaker 10 (11:14):
So the takeaway is you don't have to do this alone.
What should listeners do next?
Speaker 7 (11:18):
I'd encourage them to reach out. If today's show raised questions,
We'd love to send a free copy of my book,
Retire Your Fear, Plan Your Future. It covers everything we've
talked about, plus social security, income planning, market risk, and more.
It's written to help you build a retirement plan that's flexible,
(11:40):
resilient and clear.
Speaker 9 (11:42):
Thanks Mom.
Speaker 10 (11:43):
To get the guide and set up a complimentary appointment
with a Kelly Financial Advisor, call eighty eight eight hundred
and eight one or email us at Kelly at Kelly
Financial dot org. That's all for tonight. I'm William Kelly Junior.
Thanks for joining us on Safe Money Strategies heard right
here on WBZ and streaming on the iHeart app.
Speaker 9 (12:02):
We're in our twentieth year broadcasting, so thank you for listening.
Speaker 1 (12:05):
Stay with us.
Speaker 9 (12:06):
We'll be right back.
Speaker 1 (12:10):
Safe Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and one or
go to Kelly Financial dot org. That's Kelly at Kelly
Financial dot org.
Speaker 8 (12:23):
I'm John Boudris, and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 2 (12:34):
You can always make money if you haven't if you
lose it all, it's very difficult to do that. So
you have to have a plan. If the market goes
up quite a bit or down quite a bit, you
have to be ready. And how do you sort fact
from fiction?
Speaker 8 (12:48):
Download Kelly Financial's Consumer Guide simply called the value of
an objective opinion. With so much at steak with your
retirement future, you don't just want any financial advice, but
objective financial advice. And as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org
(13:10):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 2 (13:15):
Ladies and gentlemen, sort fact from fiction.
Speaker 8 (13:17):
We are Kelly Financial Services. Come retire with us.
Speaker 9 (13:25):
We're back.
Speaker 6 (13:26):
You are listening to Kelly Financial Safe money Strategies. I'm
Mike Ducett, chief operating Officer at Kelly Financial, and I'm
joined by one of the trusted advisors on our staff,
Greg Workman.
Speaker 11 (13:36):
Our goal on this and every radio broadcast is to
help you make smart decisions with your money.
Speaker 6 (13:43):
All right, Greg, let's talk about one of the hottest
topics today, Artificial intelligence or AI. First off, what is
AI and why are people so excited about it?
Speaker 11 (13:52):
AI or artificial intelligence, is technology that enables machines to
perform tasks that typically were require human intelligence, like learning, reasoning,
or understanding language. People are excited about it because it's
rapidly improving productivity, transforming industries and creating entirely new ways
(14:13):
to solve complex problems.
Speaker 6 (14:15):
And that has investors seeing dollar signs. I read somewhere
that artificial intelligence is bringing such disruption to the fields
of science, arts and business comparable to the renaissance.
Speaker 9 (14:26):
I know.
Speaker 6 (14:26):
We've had a lot of inquiries from our clients asking
how they can get involved.
Speaker 11 (14:30):
We certainly have. The good news is that at a
thirty thousand foot level, most all of our client portfolios
do have exposure to the AI trend. Take, for instance,
the S and P five hundred Index, which includes companies
from eleven different sectors, from information technology to utilities and
financial services. Most all these companies stand to read powerful
(14:53):
bottom line benefits from artificial intelligence.
Speaker 6 (14:56):
Goldman Sachs and Morgan Stanley estimate that AI could boost
S and P five hundred earnings by ten percent to
fifteen percent or more over the next decade.
Speaker 11 (15:06):
Consulting giant Mackenzie projects AI could add four point four
trillion dollars annually to the global economy, a portion of
which would flow into the S and P five hundred
company earnings.
Speaker 6 (15:20):
And Bank of America suggests AI could drive an additional
two hundred to three hundred billion in annual revenue across
the S and P five hundred by twenty thirty.
Speaker 11 (15:30):
Owning the broad market may seem like a boring way
to play the artificial intelligence trend, but it's anything but
You get diversification in eleven different sectors with five hundred
of the largest, most stable companies out there.
Speaker 6 (15:44):
Let's drill down a bit for an investor looking for
a little bit more risk in exchange for potentially more reward.
What do those AI investments look like?
Speaker 11 (15:54):
There are several dozen exchange traded funds that are purely
focused on artificial intelligence, not counting broader tech or general
innovation funds.
Speaker 6 (16:04):
An ETF or exchange traded fund is a type of
investment that holds a collection of assets like stocks, bonds,
or commodities, and trades on a stock exchange. Like an
individual stock.
Speaker 11 (16:15):
ETFs or exchange traded funds are diversified, typically low cost liquid,
and can be tax efficient, which makes them a good
fit for investors who don't want the hassle or stress
of picking or managing individual stocks.
Speaker 6 (16:29):
You went to an investor conference in Nashville about a
month ago. One of the presenters was an AI specialist.
Speaker 11 (16:35):
That's right. We heard from Tony Kim, who is a
managing director at Blackrock, where he heads a fundamental equity
technology group, helping to oversee all of the active technology
investments that Blackrock makes. In addition to being a portfolio
manager and running a number of mutual funds and ETFs.
He's a world class technology investor who understands the sector
(16:57):
like few other people do.
Speaker 6 (16:59):
I know you were excited about Tony's layer cake analogy
when it comes to AI investing. Share that with our listeners.
Speaker 11 (17:05):
Kim describes AI as a multi layered ecosystem built like
a nine layer cake, with each layer representing a different
segment of the AI value chain.
Speaker 6 (17:16):
Infrastructure at the base, than models, data, intelligence, and finally
applications in service at the top.
Speaker 11 (17:23):
While most current investment flows into the infrastructure layer chip
makers like Nvidia and cloud companies like Microsoft, the real
growth potential over the next few years will shift towards
the intelligence layer.
Speaker 9 (17:36):
That makes sense.
Speaker 6 (17:37):
At the heart of artificial intelligence is data, lots of
it being generated all the time.
Speaker 11 (17:42):
Eventually there will be a big opportunity for investors in
AI powered applications and services. Tony Kim encourages investors to
look beyond megacap names today and explore deeper into the ecosystem,
identifying opportunities across multiple layers of the cake. As artificial
intelligence adoption widens.
Speaker 6 (18:04):
AI is already reshaping our everyday lives in subtle but
powerful ways, and its impact is set to grow dramatically.
Savvy investors are taking note and already making gains from
this once in a lifetime opportunity to participate on the
cutting edge.
Speaker 11 (18:18):
Your financial future deserves more than just guesswork. A second
set of expert eyes can uncover hidden risks, missed opportunities,
and ways to make your money work harder for you.
Even small adjustments today can lead to significant better outcomes tomorrow.
Speaker 6 (18:36):
At Kelly Financial Ware, fiduciary and the advisors on our
team aren't earning commissions from their investment recommendations.
Speaker 9 (18:43):
Why is that important?
Speaker 6 (18:45):
You can rest easy knowing that advice and guidance you
receive is in your best interest.
Speaker 11 (18:50):
Call us today at eighty eight eight eight hundred eighteen
eighty one again triple eight eight hundred eighteen eighty one.
Call us to schedule your complementary portfolio review or to
start the planning process with a free copy of our
Safe Money Strategies workbook. With that, I'm Greg Workman.
Speaker 6 (19:12):
And I'm Mike you said, join us next week for
more safe money strategies.
Speaker 7 (19:18):
I'm Kelly Kelly from Kelly Financial. Retirement is a time
to enjoy the fruits of your labor, but is also
a period when financial stability becomes more critical than ever,
so seeking expert financial advice is essential, regardless of your age.
Professional guidance insurance your assets are allocated wisely, helping your
(19:39):
money last as long as you need it. The advisors
at Kelly Financial will help you take charge of your
financial future and preserve your hard earned wealth to enable
you to focus on the retirement you've dreamed of. We
have a free investor guide called designing your Fiscal House
to Weather the Elements, which highlights the step needed to
(20:00):
build a balanced portfolio. For the guide and a free
consultation with a Kelly advisor, call eight eight eight eight
hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.
Speaker 1 (20:17):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 7 (20:32):
Before we say goodnight, I want to share something from
the late Bill Kelly, my husband and the heart behind
so much of what we do here. He used to
say that some of the best lessons in life weren't
taught in classrooms. They were passed down at the dinner table,
on the farm, or during a quiet ride to the polls.
(20:53):
In this reflection, Bill talks about values, real values, the
kind that shaped this childhood and shape this business, from
diction to discipline, law and ordered a hard work. It's
a glimpse into the world that raised him, and maybe,
just maybe it'll remind us that the best things in life,
(21:14):
the values that matter, still live on. Here's Bill.
Speaker 2 (21:19):
What were the values that my grandfather taught me? There
were many ladies and gentlemen, many many values that he
taught me. Diction. Can you imagine that we're all on
a farm, and we're all huddled together like a pile
of puppies, and here's a man. When we get home
from school. He would ask us the words we learned,
(21:40):
and he would tell us the importance of diction, and
that helped myself and my brother in Connecticut who started
me in this business. I know it helped us because
that was a lesson that would allow us to stand
out in the crowd. He said, good diction begins with
the teeth, tongue, and lips. I can see him standing
right there saying it, ladies and gentlemen, I'm on the show. Look,
(22:02):
if I had the voice of some other people on radio,
I think I'd be a billionaire. You know, I'm not
on here because of my vocal talent, and I'm not
on here because I'm the sharpest person in radio. I'm
here because we love doing the show, and apparently you
love listening. And that's the extent of it. And I
don't fool myself, but I do my best. It's very demanding,
(22:23):
but dition was something that was important to this man,
and he taught us, and some of us listened. Some
of us didn't respect for teachers paramount in our house.
If a note came home from school, it was a
huge event, ladies and gentlemen, huge event, and it didn't
generally work out in our favor. If it was a
message that we hadn't been doing what we were supposed
(22:46):
to be doing so. If the note came home, there
was definitely a meeting with my folks after dinner and
it was discussed. And generally the committee that I met
with that night might be my mother and my grandfather,
my father and my mother. They generally sided with the school,
I would say one hundred percent of the time. So
(23:07):
nobody called the school and said we're going to sue
the teacher. They called the school and said, it's taken
care of. It happens again. Please let us know. Respect
for law and order, paying your taxes, being a good
citizen was taught at an early age. Voting was paramount.
As each of us reached the age of sixteen, we
(23:27):
were expected to drive people to the polls. Back in
those days, those people were Democrats, ladies and gentlemen, I
believe from the looks of them and everything they said
on the way over there in the car. We were
bringing Democrats to the polls to vote for other Democrats, obviously,
and that was something we did. We participated in government.
(23:49):
We actually watched news conferences in my home. So we
have basically uneducated people from Ireland stressing the need for diction,
participation in government and paying attention to political news. That's
what it was like. That's what my life was like
back then. What else, law and order, obeying the rules,
(24:13):
highly stressed. We didn't get a chance to participate in
the nineteen sixties hippie thing. We got sideburns. Basically they
could go to the bottom of your ear attached to
your head. That was the limit you were going to have.
Or you work and to sit at the table at night.
It wasn't going to be comfortable. Work and employment, those
are extremely important to people in my family to always
(24:36):
have a job, no matter what you were doing. If
you got fired or quit or laid off, you were
not encouraged to take unemployment. Although nobody would make fun
of you. You were encouraged to get another job right away.
If it wasn't the right fit, something would come up
along the way to make it the right fit and
you get the right job eventually. But sitting around the
(24:59):
house waiting for the perfect job was not really a
family tradition at the Kelly house. Those were the values
we were taught. We were a union household. We respected unions,
we respected people's labors, people who worked, and I'd believe
up until that point, I don't think it was abused
(25:19):
the way that Acorn and Sciu. It wasn't besmirched. It
was a proud thing in our lives that we supported
union movements and better working conditions, higher wages, and better
standard of living. That's all changed now. The unions are
of a very different function. In many ways, they served
(25:40):
to be political entities, which is not what the purpose
was when they started. They were trying to keep people
from working on Sundays or if they had to work Saturdays,
to get more money. They set the work week at
forty hours, and we needed that badly, especially in Rhode Island,
especially in Providence, because what was in Providence meals of
(26:00):
any type you could imagine. They made everything from paper
to jewelry to any type of thing that you might
imagine that had anything to do with metal, jewelry or machinery.
So that's what it was like at our home. Those
were our values. They were taught to us by our
parents and grandparents, and it seems like a dream right
(26:21):
now when we look back, it seems like those values
are gone, but they're not. Ladies and gentlemen, they're still here.
Speaker 1 (26:32):
Discover safe money strategies with Kelly. Kelly and her team
called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 5 (26:52):
All opinions expressed by the host guests for employees of
Kelly Financial Services are solely their own and do not
reflect the opinions of Kelly Financial Services. Information has been
obtained from US source is deemed to be reliable, but
their accuracy and completeness cannot be guaranteed. The information provided
is general in nature and is not intended to be
specific investment, tax, or legal advice. It is always advisable
to consult a professional before making a financial decision.
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