July 26, 2025 • 24 mins
In this week’s Safe Money Strategies, Kelly and William open the show with one of their favorite stories - how Bill Kelly, long before founding Kelly Financial, once owned a hair salon. It’s a lighthearted reminder that life takes unexpected turns, and every chapter holds meaning. From there, the conversation turns to why smart
Financial Planning is essential - whether you’re building momentum in your career or mapping out your next chapter. You’ll also hear from their trusted fiduciary advisors, who break down practical steps for building long-term financial resilience and protecting what you’ve worked hard to earn. The show closes with a timeless segment from the late Bill Kelly, whose wit and wisdom guide our team and hopefully, your family too.
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
Financial Planning is essential - whether you’re building momentum in your career or mapping out your next chapter. You’ll also hear from their trusted fiduciary advisors, who break down practical steps for building long-term financial resilience and protecting what you’ve worked hard to earn. The show closes with a timeless segment from the late Bill Kelly, whose wit and wisdom guide our team and hopefully, your family too.
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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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
Good evening and welcome to Safe Money Strategies right here
on WBZ News Radio. I'm Kelly Kelly, founder of Kelly
Financial Services, and your host tonight.
Speaker 2 (00:17):
I'm so glad you're with us.
Speaker 1 (00:19):
Every Saturday night at nine pm, we bring you real
conversations about retirement, resilience and protecting the life you've worked
so hard to build. We're a proud, family run firm
based right here in New England, and for over twenty
two years, we've helped thousands of families plan for the
next chapter.
Speaker 2 (00:39):
With clarity and confidence.
Speaker 1 (00:42):
You may know us from our two decades on the
AM airwaves, and now.
Speaker 2 (00:47):
We're thrilled to bring.
Speaker 1 (00:48):
That same trusted voice to WBZ. This show is about
more than just money. It's about peace of mind purpose
in making smart decisions that support the people you love.
Each week, I'm joined by my children, William Kelly Junior
and Mary Madeline Kelly, along with our incredible team of
(01:09):
fiduciary advisors. Together, we share practical strategies, personal stories.
Speaker 2 (01:14):
And a few laughs along the way.
Speaker 1 (01:17):
We'll cover everything from inflation and taxes to InCom planning,
market trends, and how to leave a lasting legacy.
Speaker 2 (01:25):
Because retirement isn't. The end of the story is the
beginning of a new one.
Speaker 1 (01:30):
So if you're winding down for the evening, pour something relaxing,
settle in and spend a little time with us. You're
in good company and we're glad you're here. This is
Safe Money Strategies where family, finance and your future come together.
Speaker 3 (01:50):
Safe Money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred and twenty and
one or go to Kelly Financial dot org. That's Kelly
Kelly Financial dot org.
Speaker 1 (02:05):
Each week on Safe Money Strategies, we take a moment
to step back from the headlines and have a real conversation,
the kind you might have around the kitchen table.
Speaker 2 (02:16):
This is part of the show we call Forever Young.
Speaker 1 (02:19):
It's where I sit down with my son, William Kelly Junior,
and we talk about life, what's going on in the world,
in our family, and what really matters most when you're planning.
Speaker 2 (02:29):
For the future.
Speaker 1 (02:31):
Sometimes is light, sometimes is thoughtful, but it's always real.
Speaker 2 (02:35):
Good evening, William, how are you good.
Speaker 3 (02:38):
Evening mob I am very well. Thank you for asking,
and it's very good to be here together. We had
very good friends family come over actually, and they are friends,
but they're blood relatives of mine and we have not
seen them in to be honest, probably about ten years.
Speaker 2 (02:55):
And it took a funeral, Yes.
Speaker 3 (02:57):
It did so, our lovely and aunt Pat. Aunt Pat
had passed away and at her funeral, I haven't seen
these people in a minimum of eight years. And Michael Junior,
my uncle's son, we just started to get to talking
and he told me a bit about Dad and about
his relationship with Dad back in the eighties. He said
(03:18):
Bill was like a brother to me. He said Bill,
I worked for Bill at Viking Technology in the eighties.
He was my boss. And he just told me of
the little things. He said, I was sixteen years old,
your dad was probably about thirty. And then he just
telling me all these incredible stories about Dad.
Speaker 4 (03:35):
Ladies and gentlemen.
Speaker 3 (03:36):
My dad owned a hair salon and it was called
Bill Kelly's Hair Salon.
Speaker 4 (03:41):
Ladies and gentlemen. We Mom and I were just after That.
Speaker 2 (03:44):
Was a fun fact we did not know about.
Speaker 3 (03:46):
No, I can't say we're not surprised, and I'll give
you context there, but we were just dumbfounded. But when
we first moved to our town years ago. You know,
Mom had an old hairstylist that she had been going
to and was used to going to, and obviously, now
that we're in this new town, that person was way
too far away, as you could probably assume. So Mom
(04:08):
didn't like change, she didn't want to change. She was
willing to drive over an hour to see this hairstylist.
Speaker 4 (04:16):
A lot of loyalty out of that. I respect that.
Speaker 3 (04:19):
But there's this woman who lived or didn't live, but
her place of work, her business was right up the street.
Speaker 4 (04:25):
And so Dad decided to do the research. He goes in, asks.
Speaker 3 (04:29):
The lady said, you know, Dad's wearing his white button
down shirt, khaki pants, belt, everything, the whole fit. And
he asked the lady who owned the place, and said,
what colors do you guys use?
Speaker 4 (04:44):
You know, how long you've been.
Speaker 3 (04:45):
Open, and just asking all these very detailed questions that
a husband should know to ask, you know, like very suspicious,
And it makes a lot of sense because eventually he
pushed you.
Speaker 4 (04:57):
To go there.
Speaker 1 (04:58):
And the owner was very impressed because she had never
had a husband come in and she just remembers exactly
how he was dressed, and he was so respectful and
so interested, and he explained about me and I, you know, I'm.
Speaker 2 (05:14):
Not quick to change. And he wanted to.
Speaker 1 (05:17):
Know about the type of colors she used, and you know,
and all these details, and he just she was impressed.
Speaker 2 (05:23):
He took the time and asked all these questions.
Speaker 1 (05:26):
So he said, I can't make any promises, but if
we could schedule my wife in and she said, I'll
do a consultation with just a wash and a blow
dry and a consultation at no charge. And so he
comes home and gives me the brochure and I said, Bill,
I am all set. I do not need an appointment
(05:47):
with someone different. And so he said, it's your choice,
but the appointment is this day, and you know, I
would really like it. I think you would like her
and you would like the process she uses.
Speaker 2 (06:00):
And so I went.
Speaker 1 (06:01):
And I've been going to her since, I haven't gone
to anyone else.
Speaker 2 (06:06):
So she loves telling that story.
Speaker 4 (06:08):
It is a great story.
Speaker 2 (06:09):
Yeah, yeah, and he did a great job.
Speaker 4 (06:11):
Yes he did.
Speaker 2 (06:12):
But if I've been happy if.
Speaker 4 (06:14):
He never owned Bill Kelly's hair salon, we will.
Speaker 5 (06:16):
I know that.
Speaker 1 (06:18):
When we were told this information, we're thinking, okay.
Speaker 3 (06:22):
Yeah, that's my dad for you. You just would do anything,
any kind of business endeavor. If he felt like it
was solving a problem or it will be a good
good company, he.
Speaker 4 (06:31):
Would just started up.
Speaker 3 (06:32):
So. Yeah, it was good seeing family again. And sometimes
funerals can bring family together.
Speaker 1 (06:38):
That's a beautiful thing about funerals exactly. Yes, when you
are showing respect and celebrating someone's life and and then
you see friends family and.
Speaker 4 (06:50):
I haven't seen it forever.
Speaker 2 (06:52):
Yes, yeah, So so that.
Speaker 1 (06:55):
We had a cookout and it was nice to see them, Yes,
and spent some time with them.
Speaker 2 (07:00):
That was nice.
Speaker 4 (07:01):
It was so ladies and gentlemen.
Speaker 3 (07:03):
We've also had a new habit introduced into our life,
and that's swimming. We're very blessed and fortunate enough to
have a pool and I think we use it about
every single day and we swim at least an hour
at our own respective times throughout the day and we
get a lot of exercise done.
Speaker 4 (07:21):
Now.
Speaker 3 (07:22):
Mom was the first person to really kind of get
into swimming and to you know, make it a habit
every single summer once the pools was opened up again,
Mom would just just hit the pool.
Speaker 1 (07:32):
Yeah, I think I had really got serious about it.
It has been at least ten years okay, and I
think it was before Mary Madlin was in college.
Speaker 3 (07:42):
Yeah, yeah, I mean you've more than ten years ago. Yeah,
You've always been a serious swimmer, but it was like
ten years ago you really started to like focus.
Speaker 4 (07:51):
In on it.
Speaker 2 (07:51):
Yeah.
Speaker 1 (07:53):
Typically I do it at night and it helps me sleep.
And they say that swimming is one of the exercises
that is really the best on your body.
Speaker 4 (08:05):
That's true, right, because it.
Speaker 2 (08:08):
Does not put any stress on your joints.
Speaker 4 (08:10):
No, it does not.
Speaker 3 (08:11):
Does help your cardiovascular health a lot, and you don't
get exhausted as easily as you would walking along. What
about calories you burn or running a long pace?
Speaker 4 (08:21):
And yes, you burn in one hour. In one hour,
think about it.
Speaker 3 (08:25):
I'm a young man, so you need to think that
I burnt a lot more calories than a grown adult wood.
So for me, I probably burn about twelve hundred calories
wow two hours, maybe six eight hundred.
Speaker 2 (08:38):
Says I that I'm like around seven hundred.
Speaker 4 (08:41):
That's incredible. Yeah, it's pretty awesome.
Speaker 3 (08:44):
You can shut off a lot of calories just from
casual swimming.
Speaker 4 (08:47):
You don't have to take a cart.
Speaker 1 (08:49):
Is almost like I think swimming is like it's like
a reset button for the brain, you know, because it
reduces stress, anxiety, symptoms of depression.
Speaker 2 (09:00):
You know that type of thing.
Speaker 1 (09:01):
So it's like a like a positive Why are you
smiling because.
Speaker 4 (09:06):
You did your research?
Speaker 2 (09:09):
Because you your research.
Speaker 4 (09:11):
Proud of you. That's a good thing.
Speaker 2 (09:15):
I love doing these segments with you.
Speaker 4 (09:17):
Will you too, It's always great.
Speaker 1 (09:19):
Yeah.
Speaker 2 (09:19):
The pool's been the big thing this week.
Speaker 4 (09:21):
Yeah, it's it's really changed for summer. It's like relaxing.
Speaker 3 (09:25):
It's refreshing, you know, and just jump in have fun,
ladies and gentlemen and just you don't you don't even
have to like like freestyle back and forth. You can
just get a beach ball and throw it around some friends,
or just swim back.
Speaker 1 (09:39):
And throw the ball like for your dog, and your
dog gets more steps.
Speaker 3 (09:44):
So what I do is I take an empty bottle,
I fill it with pool water, and then I put
the cap on. I throw it to the end of
the pool, and then what I'll do is I'll swim
underwater and I have to catch the bottle before it
touches the bottom.
Speaker 2 (09:57):
That's fast.
Speaker 4 (09:58):
Yeah, you have to be a little.
Speaker 2 (09:59):
You're fast out there. I see you sometimes.
Speaker 4 (10:01):
Thank you.
Speaker 3 (10:02):
Yeah, so it's fun and it also helps build your
CO two tolerance so you can hold your breath longer.
It's always fun and you burn more calories swimming underwater.
But still, ladies and gentlemen, do it safely. Swim safely.
Speaker 1 (10:14):
Absolutely, you know, if.
Speaker 3 (10:16):
You don't know how to swim, we recommend you learn.
It's never ever too late, never too late. And ladies
and gentlemen, if the temperature of the water bothers you
get a wet suit.
Speaker 4 (10:26):
That will help a lot. A wetsuit will keep you
mostly warm.
Speaker 2 (10:30):
I do that when it gets cool.
Speaker 4 (10:32):
Exactly what I like the cold water.
Speaker 2 (10:34):
I just I don't like the cold water.
Speaker 1 (10:35):
So if it's cold, I've got at least the top
of the wet suit on.
Speaker 2 (10:40):
Yeah, that helps me.
Speaker 4 (10:41):
Yeah. So there you have it, ladies and gentlemen.
Speaker 3 (10:44):
That's our thoughts on swimming and on family and on
my dad's hair salon.
Speaker 4 (10:50):
So thank you for listening.
Speaker 2 (10:52):
Do keep us on your dial.
Speaker 1 (10:54):
We have a lot of great information coming your way.
Mike do said and Greg Workman will be talking about
the value of patients in long term investing and why
smart investors stay focused on the big picture not the
short term ups and downs, Mary, Maddeline Kelly and Greg Murray.
We'll take a closer look at the classic four percent
(11:15):
retirement rule, what it means, how it's changed, and why
a flexible plan might be the smartest move for today's retirees.
I'll be back with William for a practical conversation on
how today's choice is shape tomorrow's freedom financially and personally.
It's all about making smart, lasting decisions for a more
(11:36):
confident future. And of course we'll have some wit and
wisdom from the late Bill Kelly at the end of
the hour. His words continue to guide us. Thank you
for chatting with me.
Speaker 3 (11:47):
He's an absolute pleasure, Mom, and I look forward to
talking to.
Speaker 4 (11:50):
You next Saturday.
Speaker 2 (11:51):
I love you, Honey, Love you too.
Speaker 3 (11:59):
Call us today Hey at eight eight eight hundred and
one eighty one, or visit us online at Kellyfinancial dot
org to schedule your complimentary retirement income analysis.
Speaker 6 (12:14):
Hello on Mike two, said chief operating officer at Kelly
Financial Services. And I am joined today by one of
the investment advisors on our team, Greg Workman.
Speaker 4 (12:23):
Hello. Greg, Hi Mike.
Speaker 7 (12:24):
Great to be here with you and our listeners.
Speaker 6 (12:26):
If you are looking for a clear, honest guidance on
how to protect ian grow your money without all the noise.
Speaker 4 (12:32):
This is the show for you.
Speaker 7 (12:33):
There's a lot of uncertainty in today's financial markets, and
our goal is to provide you with smart, practical strategies
to help you keep your money safe and working hard
for you. Today's topic investing for the long run and
the value of patience when investing.
Speaker 6 (12:51):
Let's start off with a cautionary tale. Take a moment
to slow down and picture this scenario. Imagine that you
had to drive from New York City to Los Angeles.
You're in downtown Manhattan, hopelessly stuck in traffic. Bicycle messengers
are whizzing past you, jump out of your car, sell
your car on the spot at a ridiculously low price,
(13:12):
buy a bicycle, and continue your trip to the West Coast.
As absurd as this scenario sounds, investors do it every
day when they make short term decisions for long term journeys.
Speaker 7 (13:23):
On my own worst enemy when it comes to investing, Micah,
I know that's a quote we've heard from many clients
and prospective clients that we've heard over the years, and.
Speaker 6 (13:31):
That poor behavior works against investors in many ways. Examples
include chasing short term gains, jumping from one hot stock
to another, or worse, panic selling during market dips, which
locks in losses and oftentimes missing the subsequent rebound. Don't
take our word for it. Studies prove that most of
us are hardwired to make bad investment decisions.
Speaker 7 (13:52):
Case in point, researchers that study behavioral finance have long
known that people feel the pain of a loss about
this strongly as the pleasure of a comparable gain. This phenomenon,
called loss aversion, explains why investors often make irrational financial decisions,
like avoiding necessary risk or holding on to losing investments
(14:15):
way too long.
Speaker 6 (14:16):
This emotional reaction to loss helps explain why investors often
make impulsive decisions during market downturns.
Speaker 7 (14:22):
You're listening to a radio show about money for a reason.
You're motivated to make smart, informed decisions with your money.
So how do the best investors harness this knowledge of
loss aversion to their advantage.
Speaker 6 (14:34):
The good investors do the following. They plan ahead with
clear rules, setting predetermined by cell targets or using automated
strategy helps reduce emotional impulsive decisions driven by fear of losses.
And successful investors focus on the long term, understanding that
short term losses are part of investing. This can help
investors stay calm during dips and avoid panic selling.
Speaker 7 (14:57):
Some of the wisest investors reframe losses as opportunities, viewing
temporary declines in the market as chances to buy quality
assets at discounted levels instead of something to be in
fear of. Disciplined investors limit how often they check their investments.
They reduce portfolio monitoring, which can lessen the emotional impact
(15:18):
of short term fluctuations and prevent rash moves at a loss.
Speaker 6 (15:22):
By recognizing these natural biases, discipline investors can make smarter,
more rational decisions that improve long term results. And when
it comes to long term results, savvy investors hold themselves
accountable to a benchmark or a targeted return on their investment.
Speaker 7 (15:38):
I have a single sheet that's laminated that I keep
by my side in almost every client appointment. Vanguard Investments
studied the performance of various mixes of US stocks and
bonds from nineteen twenty six all the way to twenty
twenty three.
Speaker 6 (15:54):
That's over ninety years of data. So what are the
numbers tell us?
Speaker 4 (15:58):
If you're doing conservative investing.
Speaker 7 (16:00):
Let's say a portfolio made up of thirty percent stock
and seventy percent bonds or fixed income, the average annual
return is just over seven percent. Now, how often during
that time period will you have gains? Roughly eighty four
percent of the time.
Speaker 4 (16:17):
How about something.
Speaker 6 (16:17):
With risk that is more middle of the road, or
call it moderate.
Speaker 7 (16:21):
Yeah, if you're a moderate minded investor that wants to
take in theory half the risk of the s and
P five hundred, with a portfolio made up of fifty
percent stock and fifty percent bonds, the average annual return
shifts a bit higher, to eight percent. How often will
you have gains? Roughly eighty percent of the time.
Speaker 6 (16:41):
So, had I invested in a portfolio of thirty percent
stock in seventy percent bonds from nineteen twenty six to
twenty twenty three, I'd have positive returns eighty four percent
of the time, and I'd be in the green eighty
percent of the time with a fifty to fifty portfolio. Wow,
I'll take those odds, and I'm sure a lot of
you listening out there would as well. That is truly
(17:02):
powerful knowledge, and we hope you've enjoyed the first half
of this segment. In our next half, we'll talk more
about the value of patients when it comes to investing,
what the pros know and how you can apply this
knowledge to your portfolio for better long term results, more
gains and less losses.
Speaker 7 (17:20):
If you're looking for clarity and confidence in your financial future,
we invite you to schedule a complimentary, no pressure consultation
with our team. It's a simple conversation to help you
make smarter decisions. No sales pitch, just honest guidance. Call
us today at triple eight, eight hundred eighteen eighty one.
Speaker 6 (17:41):
Really Financial is a fiduciary in our advisors as salaried,
which means industry commissions don't get in the way of
the right investment advice for you. Once again, our number
is eight eight eight eight hundred eighteen eighty one. We'd
love to hear from you.
Speaker 4 (17:54):
Let's pause here for a quick.
Speaker 1 (17:56):
Breaking I'm Kelly Kelly from Kelly Financial. Is your financial
advisor a fiduciary? In other words, are they legally required
to act in your best interest? My complimentary book, Retire
Your Fear, Plan Your Future, explains what a fiduciary is
and will help you understand if an advisor is really
(18:18):
putting you first.
Speaker 2 (18:20):
For the book.
Speaker 1 (18:20):
Call eight eight eight eight hundred eighteen eighty one or
email Kelly at Kellyfinancial dot org.
Speaker 2 (18:26):
We're Kelly Financial. Come retire with us.
Speaker 5 (18:30):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation, called eight eight eight eight hundred eighteen
(18:52):
eighty one or email Kelly at Kelly Financial dot org.
We're Kelly Financial. Come retire with.
Speaker 4 (18:59):
Us and we're back.
Speaker 3 (19:03):
I'm William Kelly Junior, and I'm here with my mother,
Kelly Kelly, CEO of Kelly Financial Services. And Mom, it's
great to have you on another Saturday night.
Speaker 1 (19:11):
It really is, William, and to all of you tuning
in on WBZ, thank you for spending part of your
evening with us. Whether you're just discovering our show or
you've been following us for years, We're glad you're here.
At Kelly Financial Services, we've been helping families plan for
retirement for over twenty two years, and we've had a
(19:33):
presence on the AM dial for almost as long. This
show may be new to the BEZ lineup, but our
mission to bring trustworthy, down to earth financial guidance remains
the same.
Speaker 4 (19:48):
Yeah.
Speaker 3 (19:49):
What we do is help people, especially retirees, protect what
they've built, plan with confidence and keep things simple.
Speaker 1 (19:56):
Exactly, And tonight's topic might seem simple, but as one
of the most overlooked pieces in any financial plan emergency savings.
Whether you're still working or already retired, you need to
have a plan for the unexpected.
Speaker 3 (20:14):
Right because let's be honest, life doesn't stop throwing curveballs
just because you stop working.
Speaker 4 (20:19):
So let's get into it.
Speaker 3 (20:20):
What is an emergency fund and why is it so critical?
Speaker 1 (20:24):
Think of it as your personal buffer. An emergency fund
is money set aside specifically for unexpected, urgent and necessary expenses.
That could mean medical bills, a major car repair, or
a sudden home issue like a leaky roof. Is not
(20:44):
for vacations, is not for upgrades, It's not for things
that can wait. This is money that steps in so
your bigger financial plan doesn't fall apart.
Speaker 3 (20:55):
So kind of like a financial pause button. When something unexpected.
Speaker 2 (20:58):
Hits exactly that one.
Speaker 1 (21:00):
People end up dipping into retirement savings too early, cashing
out investments at the wrong time, or going into debt.
That one surprise expense can throw off everything.
Speaker 3 (21:12):
So if it's so important, why do so many people
not have one?
Speaker 1 (21:16):
That's a very good question, William. Part of it is
that life is just expensive, especially lately, most people are
focused on keeping up with monthly bills. But I also
think a lot of folks get discouraged. They think, if
I can't save thousands right away, why bother?
Speaker 3 (21:35):
Yeah, Like, if you can't save five thousand dollars, saving
fifty dollars feels pointless.
Speaker 4 (21:39):
But that's not true, not at all.
Speaker 1 (21:42):
Starting small builds the habit. Even twenty dollars or fifty
dollars a week adds up fast, and more importantly, it
changes how you think. You start to think like a saver.
Speaker 3 (21:55):
Now I've heard you talk about starter funds versus fully
funded emergency savings. Can you explain the difference?
Speaker 1 (22:00):
Sure, a starter fund is the first milestone, maybe five
hundred to one thousand dollars that's enough to cover a
flat tire. Of that bill or a surprise plumber visit.
Then over time, you were toward a fully funded emergency fund,
which is usually three to six months of essential living expenses.
Speaker 3 (22:23):
So things like housing, utilities, food, insurance, not lifestyle extras.
Speaker 2 (22:28):
Right.
Speaker 1 (22:28):
This fund is there to carry you through a job loss,
a health scare, or something big enough to throw your
budget off for months.
Speaker 4 (22:37):
All right? So when should you use your emergency fund?
Speaker 3 (22:40):
And just as important, when shouldn't you?
Speaker 1 (22:43):
Great question we always tell clients it has to meet
free criteria, unexpected, necessary, and urgent all three.
Speaker 3 (22:52):
So let's do a lightning round car breaks down when
you need it for work.
Speaker 2 (22:55):
Yes, that's a clear emergency.
Speaker 4 (22:57):
Water heater floods the basement.
Speaker 3 (22:59):
Yes again, Memorial Day sail on a giant flat screen TV.
Speaker 2 (23:04):
That's a note. That's a want, not a need.
Speaker 4 (23:07):
Got it.
Speaker 3 (23:08):
So the danger is if you use your emergency fund
for the wrong things, it won't be there when you really.
Speaker 1 (23:13):
Need it exactly, and it can take months, sometimes years
to build it back up. At Kelly Financial we guide
our clients to stop and ask is this truly a
need or just a want?
Speaker 2 (23:26):
In disguise?
Speaker 1 (23:27):
That one question can save a lot of financial heartache.
Speaker 3 (23:31):
And this ties right into retirement planning work we do.
Speaker 4 (23:34):
You always say a good.
Speaker 3 (23:36):
Retirement plan isn't just about investing, it's about resilience.
Speaker 2 (23:39):
That's right.
Speaker 1 (23:40):
We build flexibility into every plan so if life throws
a curpball, you're not forced to make decisions you'll regret later.
Speaker 3 (23:49):
Which brings us to a free investor guide this week,
five retirement planning missteps. To dodge one of the biggest
missteps not preparing for emergencies or overspending with out cushion.
Speaker 1 (24:00):
This guide is a smart next step. It breaks down
the top five risks we see and how to protect yourself.
It even walks you through how to revisit your plan.
Speaker 3 (24:12):
If you'd like a free copy or want to meet
with one of our fiduciary advisors, you can call eight
eight eight eight hundred one eight eight one or email
us at Kelly at Kellyfinancial dot org.
Speaker 1 (24:22):
All right, Coming up next, we'll talk about how emergency
savings look different in retirement, how much is enough and
what kinds of expenses catch retirees.
Speaker 2 (24:33):
By surprise, you're.
Speaker 3 (24:34):
Listening to Safe Money Strategies on WBZ.
Speaker 4 (24:37):
Stay with us. We'll be read back.
Speaker 3 (24:42):
Safe Money strategies with Kelly Kelly and her team Call
Kelly Financial at eighty eight eight hundred twenty one or
go to Kelly Financial dot org. That's Kelly at Kelly
financial dot org.
Good evening and welcome to Safe Money Strategies right here
on WBZ News Radio. I'm Kelly Kelly, founder of Kelly
Financial Services, and your host tonight.
Speaker 2 (00:17):
I'm so glad you're with us.
Speaker 1 (00:19):
Every Saturday night at nine pm, we bring you real
conversations about retirement, resilience and protecting the life you've worked
so hard to build. We're a proud, family run firm
based right here in New England, and for over twenty
two years, we've helped thousands of families plan for the
next chapter.
Speaker 2 (00:39):
With clarity and confidence.
Speaker 1 (00:42):
You may know us from our two decades on the
AM airwaves, and now.
Speaker 2 (00:47):
We're thrilled to bring.
Speaker 1 (00:48):
That same trusted voice to WBZ. This show is about
more than just money. It's about peace of mind purpose
in making smart decisions that support the people you love.
Each week, I'm joined by my children, William Kelly Junior
and Mary Madeline Kelly, along with our incredible team of
(01:09):
fiduciary advisors. Together, we share practical strategies, personal stories.
Speaker 2 (01:14):
And a few laughs along the way.
Speaker 1 (01:17):
We'll cover everything from inflation and taxes to InCom planning,
market trends, and how to leave a lasting legacy.
Speaker 2 (01:25):
Because retirement isn't. The end of the story is the
beginning of a new one.
Speaker 1 (01:30):
So if you're winding down for the evening, pour something relaxing,
settle in and spend a little time with us. You're
in good company and we're glad you're here. This is
Safe Money Strategies where family, finance and your future come together.
Speaker 3 (01:50):
Safe Money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred and twenty and
one or go to Kelly Financial dot org. That's Kelly
Kelly Financial dot org.
Speaker 1 (02:05):
Each week on Safe Money Strategies, we take a moment
to step back from the headlines and have a real conversation,
the kind you might have around the kitchen table.
Speaker 2 (02:16):
This is part of the show we call Forever Young.
Speaker 1 (02:19):
It's where I sit down with my son, William Kelly Junior,
and we talk about life, what's going on in the world,
in our family, and what really matters most when you're planning.
Speaker 2 (02:29):
For the future.
Speaker 1 (02:31):
Sometimes is light, sometimes is thoughtful, but it's always real.
Speaker 2 (02:35):
Good evening, William, how are you good.
Speaker 3 (02:38):
Evening mob I am very well. Thank you for asking,
and it's very good to be here together. We had
very good friends family come over actually, and they are friends,
but they're blood relatives of mine and we have not
seen them in to be honest, probably about ten years.
Speaker 2 (02:55):
And it took a funeral, Yes.
Speaker 3 (02:57):
It did so, our lovely and aunt Pat. Aunt Pat
had passed away and at her funeral, I haven't seen
these people in a minimum of eight years. And Michael Junior,
my uncle's son, we just started to get to talking
and he told me a bit about Dad and about
his relationship with Dad back in the eighties. He said
(03:18):
Bill was like a brother to me. He said Bill,
I worked for Bill at Viking Technology in the eighties.
He was my boss. And he just told me of
the little things. He said, I was sixteen years old,
your dad was probably about thirty. And then he just
telling me all these incredible stories about Dad.
Speaker 4 (03:35):
Ladies and gentlemen.
Speaker 3 (03:36):
My dad owned a hair salon and it was called
Bill Kelly's Hair Salon.
Speaker 4 (03:41):
Ladies and gentlemen. We Mom and I were just after That.
Speaker 2 (03:44):
Was a fun fact we did not know about.
Speaker 3 (03:46):
No, I can't say we're not surprised, and I'll give
you context there, but we were just dumbfounded. But when
we first moved to our town years ago. You know,
Mom had an old hairstylist that she had been going
to and was used to going to, and obviously, now
that we're in this new town, that person was way
too far away, as you could probably assume. So Mom
(04:08):
didn't like change, she didn't want to change. She was
willing to drive over an hour to see this hairstylist.
Speaker 4 (04:16):
A lot of loyalty out of that. I respect that.
Speaker 3 (04:19):
But there's this woman who lived or didn't live, but
her place of work, her business was right up the street.
Speaker 4 (04:25):
And so Dad decided to do the research. He goes in, asks.
Speaker 3 (04:29):
The lady said, you know, Dad's wearing his white button
down shirt, khaki pants, belt, everything, the whole fit. And
he asked the lady who owned the place, and said,
what colors do you guys use?
Speaker 4 (04:44):
You know, how long you've been.
Speaker 3 (04:45):
Open, and just asking all these very detailed questions that
a husband should know to ask, you know, like very suspicious,
And it makes a lot of sense because eventually he
pushed you.
Speaker 4 (04:57):
To go there.
Speaker 1 (04:58):
And the owner was very impressed because she had never
had a husband come in and she just remembers exactly
how he was dressed, and he was so respectful and
so interested, and he explained about me and I, you know, I'm.
Speaker 2 (05:14):
Not quick to change. And he wanted to.
Speaker 1 (05:17):
Know about the type of colors she used, and you know,
and all these details, and he just she was impressed.
Speaker 2 (05:23):
He took the time and asked all these questions.
Speaker 1 (05:26):
So he said, I can't make any promises, but if
we could schedule my wife in and she said, I'll
do a consultation with just a wash and a blow
dry and a consultation at no charge. And so he
comes home and gives me the brochure and I said, Bill,
I am all set. I do not need an appointment
(05:47):
with someone different. And so he said, it's your choice,
but the appointment is this day, and you know, I
would really like it. I think you would like her
and you would like the process she uses.
Speaker 2 (06:00):
And so I went.
Speaker 1 (06:01):
And I've been going to her since, I haven't gone
to anyone else.
Speaker 2 (06:06):
So she loves telling that story.
Speaker 4 (06:08):
It is a great story.
Speaker 2 (06:09):
Yeah, yeah, and he did a great job.
Speaker 4 (06:11):
Yes he did.
Speaker 2 (06:12):
But if I've been happy if.
Speaker 4 (06:14):
He never owned Bill Kelly's hair salon, we will.
Speaker 5 (06:16):
I know that.
Speaker 1 (06:18):
When we were told this information, we're thinking, okay.
Speaker 3 (06:22):
Yeah, that's my dad for you. You just would do anything,
any kind of business endeavor. If he felt like it
was solving a problem or it will be a good
good company, he.
Speaker 4 (06:31):
Would just started up.
Speaker 3 (06:32):
So. Yeah, it was good seeing family again. And sometimes
funerals can bring family together.
Speaker 1 (06:38):
That's a beautiful thing about funerals exactly. Yes, when you
are showing respect and celebrating someone's life and and then
you see friends family and.
Speaker 4 (06:50):
I haven't seen it forever.
Speaker 2 (06:52):
Yes, yeah, So so that.
Speaker 1 (06:55):
We had a cookout and it was nice to see them, Yes,
and spent some time with them.
Speaker 2 (07:00):
That was nice.
Speaker 4 (07:01):
It was so ladies and gentlemen.
Speaker 3 (07:03):
We've also had a new habit introduced into our life,
and that's swimming. We're very blessed and fortunate enough to
have a pool and I think we use it about
every single day and we swim at least an hour
at our own respective times throughout the day and we
get a lot of exercise done.
Speaker 4 (07:21):
Now.
Speaker 3 (07:22):
Mom was the first person to really kind of get
into swimming and to you know, make it a habit
every single summer once the pools was opened up again,
Mom would just just hit the pool.
Speaker 1 (07:32):
Yeah, I think I had really got serious about it.
It has been at least ten years okay, and I
think it was before Mary Madlin was in college.
Speaker 3 (07:42):
Yeah, yeah, I mean you've more than ten years ago. Yeah,
You've always been a serious swimmer, but it was like
ten years ago you really started to like focus.
Speaker 4 (07:51):
In on it.
Speaker 2 (07:51):
Yeah.
Speaker 1 (07:53):
Typically I do it at night and it helps me sleep.
And they say that swimming is one of the exercises
that is really the best on your body.
Speaker 4 (08:05):
That's true, right, because it.
Speaker 2 (08:08):
Does not put any stress on your joints.
Speaker 4 (08:10):
No, it does not.
Speaker 3 (08:11):
Does help your cardiovascular health a lot, and you don't
get exhausted as easily as you would walking along. What
about calories you burn or running a long pace?
Speaker 4 (08:21):
And yes, you burn in one hour. In one hour,
think about it.
Speaker 3 (08:25):
I'm a young man, so you need to think that
I burnt a lot more calories than a grown adult wood.
So for me, I probably burn about twelve hundred calories
wow two hours, maybe six eight hundred.
Speaker 2 (08:38):
Says I that I'm like around seven hundred.
Speaker 4 (08:41):
That's incredible. Yeah, it's pretty awesome.
Speaker 3 (08:44):
You can shut off a lot of calories just from
casual swimming.
Speaker 4 (08:47):
You don't have to take a cart.
Speaker 1 (08:49):
Is almost like I think swimming is like it's like
a reset button for the brain, you know, because it
reduces stress, anxiety, symptoms of depression.
Speaker 2 (09:00):
You know that type of thing.
Speaker 1 (09:01):
So it's like a like a positive Why are you
smiling because.
Speaker 4 (09:06):
You did your research?
Speaker 2 (09:09):
Because you your research.
Speaker 4 (09:11):
Proud of you. That's a good thing.
Speaker 2 (09:15):
I love doing these segments with you.
Speaker 4 (09:17):
Will you too, It's always great.
Speaker 1 (09:19):
Yeah.
Speaker 2 (09:19):
The pool's been the big thing this week.
Speaker 4 (09:21):
Yeah, it's it's really changed for summer. It's like relaxing.
Speaker 3 (09:25):
It's refreshing, you know, and just jump in have fun,
ladies and gentlemen and just you don't you don't even
have to like like freestyle back and forth. You can
just get a beach ball and throw it around some friends,
or just swim back.
Speaker 1 (09:39):
And throw the ball like for your dog, and your
dog gets more steps.
Speaker 3 (09:44):
So what I do is I take an empty bottle,
I fill it with pool water, and then I put
the cap on. I throw it to the end of
the pool, and then what I'll do is I'll swim
underwater and I have to catch the bottle before it
touches the bottom.
Speaker 2 (09:57):
That's fast.
Speaker 4 (09:58):
Yeah, you have to be a little.
Speaker 2 (09:59):
You're fast out there. I see you sometimes.
Speaker 4 (10:01):
Thank you.
Speaker 3 (10:02):
Yeah, so it's fun and it also helps build your
CO two tolerance so you can hold your breath longer.
It's always fun and you burn more calories swimming underwater.
But still, ladies and gentlemen, do it safely. Swim safely.
Speaker 1 (10:14):
Absolutely, you know, if.
Speaker 3 (10:16):
You don't know how to swim, we recommend you learn.
It's never ever too late, never too late. And ladies
and gentlemen, if the temperature of the water bothers you
get a wet suit.
Speaker 4 (10:26):
That will help a lot. A wetsuit will keep you
mostly warm.
Speaker 2 (10:30):
I do that when it gets cool.
Speaker 4 (10:32):
Exactly what I like the cold water.
Speaker 2 (10:34):
I just I don't like the cold water.
Speaker 1 (10:35):
So if it's cold, I've got at least the top
of the wet suit on.
Speaker 2 (10:40):
Yeah, that helps me.
Speaker 4 (10:41):
Yeah. So there you have it, ladies and gentlemen.
Speaker 3 (10:44):
That's our thoughts on swimming and on family and on
my dad's hair salon.
Speaker 4 (10:50):
So thank you for listening.
Speaker 2 (10:52):
Do keep us on your dial.
Speaker 1 (10:54):
We have a lot of great information coming your way.
Mike do said and Greg Workman will be talking about
the value of patients in long term investing and why
smart investors stay focused on the big picture not the
short term ups and downs, Mary, Maddeline Kelly and Greg Murray.
We'll take a closer look at the classic four percent
(11:15):
retirement rule, what it means, how it's changed, and why
a flexible plan might be the smartest move for today's retirees.
I'll be back with William for a practical conversation on
how today's choice is shape tomorrow's freedom financially and personally.
It's all about making smart, lasting decisions for a more
(11:36):
confident future. And of course we'll have some wit and
wisdom from the late Bill Kelly at the end of
the hour. His words continue to guide us. Thank you
for chatting with me.
Speaker 3 (11:47):
He's an absolute pleasure, Mom, and I look forward to
talking to.
Speaker 4 (11:50):
You next Saturday.
Speaker 2 (11:51):
I love you, Honey, Love you too.
Speaker 3 (11:59):
Call us today Hey at eight eight eight hundred and
one eighty one, or visit us online at Kellyfinancial dot
org to schedule your complimentary retirement income analysis.
Speaker 6 (12:14):
Hello on Mike two, said chief operating officer at Kelly
Financial Services. And I am joined today by one of
the investment advisors on our team, Greg Workman.
Speaker 4 (12:23):
Hello. Greg, Hi Mike.
Speaker 7 (12:24):
Great to be here with you and our listeners.
Speaker 6 (12:26):
If you are looking for a clear, honest guidance on
how to protect ian grow your money without all the noise.
Speaker 4 (12:32):
This is the show for you.
Speaker 7 (12:33):
There's a lot of uncertainty in today's financial markets, and
our goal is to provide you with smart, practical strategies
to help you keep your money safe and working hard
for you. Today's topic investing for the long run and
the value of patience when investing.
Speaker 6 (12:51):
Let's start off with a cautionary tale. Take a moment
to slow down and picture this scenario. Imagine that you
had to drive from New York City to Los Angeles.
You're in downtown Manhattan, hopelessly stuck in traffic. Bicycle messengers
are whizzing past you, jump out of your car, sell
your car on the spot at a ridiculously low price,
(13:12):
buy a bicycle, and continue your trip to the West Coast.
As absurd as this scenario sounds, investors do it every
day when they make short term decisions for long term journeys.
Speaker 7 (13:23):
On my own worst enemy when it comes to investing, Micah,
I know that's a quote we've heard from many clients
and prospective clients that we've heard over the years, and.
Speaker 6 (13:31):
That poor behavior works against investors in many ways. Examples
include chasing short term gains, jumping from one hot stock
to another, or worse, panic selling during market dips, which
locks in losses and oftentimes missing the subsequent rebound. Don't
take our word for it. Studies prove that most of
us are hardwired to make bad investment decisions.
Speaker 7 (13:52):
Case in point, researchers that study behavioral finance have long
known that people feel the pain of a loss about
this strongly as the pleasure of a comparable gain. This phenomenon,
called loss aversion, explains why investors often make irrational financial decisions,
like avoiding necessary risk or holding on to losing investments
(14:15):
way too long.
Speaker 6 (14:16):
This emotional reaction to loss helps explain why investors often
make impulsive decisions during market downturns.
Speaker 7 (14:22):
You're listening to a radio show about money for a reason.
You're motivated to make smart, informed decisions with your money.
So how do the best investors harness this knowledge of
loss aversion to their advantage.
Speaker 6 (14:34):
The good investors do the following. They plan ahead with
clear rules, setting predetermined by cell targets or using automated
strategy helps reduce emotional impulsive decisions driven by fear of losses.
And successful investors focus on the long term, understanding that
short term losses are part of investing. This can help
investors stay calm during dips and avoid panic selling.
Speaker 7 (14:57):
Some of the wisest investors reframe losses as opportunities, viewing
temporary declines in the market as chances to buy quality
assets at discounted levels instead of something to be in
fear of. Disciplined investors limit how often they check their investments.
They reduce portfolio monitoring, which can lessen the emotional impact
(15:18):
of short term fluctuations and prevent rash moves at a loss.
Speaker 6 (15:22):
By recognizing these natural biases, discipline investors can make smarter,
more rational decisions that improve long term results. And when
it comes to long term results, savvy investors hold themselves
accountable to a benchmark or a targeted return on their investment.
Speaker 7 (15:38):
I have a single sheet that's laminated that I keep
by my side in almost every client appointment. Vanguard Investments
studied the performance of various mixes of US stocks and
bonds from nineteen twenty six all the way to twenty
twenty three.
Speaker 6 (15:54):
That's over ninety years of data. So what are the
numbers tell us?
Speaker 4 (15:58):
If you're doing conservative investing.
Speaker 7 (16:00):
Let's say a portfolio made up of thirty percent stock
and seventy percent bonds or fixed income, the average annual
return is just over seven percent. Now, how often during
that time period will you have gains? Roughly eighty four
percent of the time.
Speaker 4 (16:17):
How about something.
Speaker 6 (16:17):
With risk that is more middle of the road, or
call it moderate.
Speaker 7 (16:21):
Yeah, if you're a moderate minded investor that wants to
take in theory half the risk of the s and
P five hundred, with a portfolio made up of fifty
percent stock and fifty percent bonds, the average annual return
shifts a bit higher, to eight percent. How often will
you have gains? Roughly eighty percent of the time.
Speaker 6 (16:41):
So, had I invested in a portfolio of thirty percent
stock in seventy percent bonds from nineteen twenty six to
twenty twenty three, I'd have positive returns eighty four percent
of the time, and I'd be in the green eighty
percent of the time with a fifty to fifty portfolio. Wow,
I'll take those odds, and I'm sure a lot of
you listening out there would as well. That is truly
(17:02):
powerful knowledge, and we hope you've enjoyed the first half
of this segment. In our next half, we'll talk more
about the value of patients when it comes to investing,
what the pros know and how you can apply this
knowledge to your portfolio for better long term results, more
gains and less losses.
Speaker 7 (17:20):
If you're looking for clarity and confidence in your financial future,
we invite you to schedule a complimentary, no pressure consultation
with our team. It's a simple conversation to help you
make smarter decisions. No sales pitch, just honest guidance. Call
us today at triple eight, eight hundred eighteen eighty one.
Speaker 6 (17:41):
Really Financial is a fiduciary in our advisors as salaried,
which means industry commissions don't get in the way of
the right investment advice for you. Once again, our number
is eight eight eight eight hundred eighteen eighty one. We'd
love to hear from you.
Speaker 4 (17:54):
Let's pause here for a quick.
Speaker 1 (17:56):
Breaking I'm Kelly Kelly from Kelly Financial. Is your financial
advisor a fiduciary? In other words, are they legally required
to act in your best interest? My complimentary book, Retire
Your Fear, Plan Your Future, explains what a fiduciary is
and will help you understand if an advisor is really
(18:18):
putting you first.
Speaker 2 (18:20):
For the book.
Speaker 1 (18:20):
Call eight eight eight eight hundred eighteen eighty one or
email Kelly at Kellyfinancial dot org.
Speaker 2 (18:26):
We're Kelly Financial. Come retire with us.
Speaker 5 (18:30):
Ready to enjoy your golden years without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation, called eight eight eight eight hundred eighteen
(18:52):
eighty one or email Kelly at Kelly Financial dot org.
We're Kelly Financial. Come retire with.
Speaker 4 (18:59):
Us and we're back.
Speaker 3 (19:03):
I'm William Kelly Junior, and I'm here with my mother,
Kelly Kelly, CEO of Kelly Financial Services. And Mom, it's
great to have you on another Saturday night.
Speaker 1 (19:11):
It really is, William, and to all of you tuning
in on WBZ, thank you for spending part of your
evening with us. Whether you're just discovering our show or
you've been following us for years, We're glad you're here.
At Kelly Financial Services, we've been helping families plan for
retirement for over twenty two years, and we've had a
(19:33):
presence on the AM dial for almost as long. This
show may be new to the BEZ lineup, but our
mission to bring trustworthy, down to earth financial guidance remains
the same.
Speaker 4 (19:48):
Yeah.
Speaker 3 (19:49):
What we do is help people, especially retirees, protect what
they've built, plan with confidence and keep things simple.
Speaker 1 (19:56):
Exactly, And tonight's topic might seem simple, but as one
of the most overlooked pieces in any financial plan emergency savings.
Whether you're still working or already retired, you need to
have a plan for the unexpected.
Speaker 3 (20:14):
Right because let's be honest, life doesn't stop throwing curveballs
just because you stop working.
Speaker 4 (20:19):
So let's get into it.
Speaker 3 (20:20):
What is an emergency fund and why is it so critical?
Speaker 1 (20:24):
Think of it as your personal buffer. An emergency fund
is money set aside specifically for unexpected, urgent and necessary expenses.
That could mean medical bills, a major car repair, or
a sudden home issue like a leaky roof. Is not
(20:44):
for vacations, is not for upgrades, It's not for things
that can wait. This is money that steps in so
your bigger financial plan doesn't fall apart.
Speaker 3 (20:55):
So kind of like a financial pause button. When something unexpected.
Speaker 2 (20:58):
Hits exactly that one.
Speaker 1 (21:00):
People end up dipping into retirement savings too early, cashing
out investments at the wrong time, or going into debt.
That one surprise expense can throw off everything.
Speaker 3 (21:12):
So if it's so important, why do so many people
not have one?
Speaker 1 (21:16):
That's a very good question, William. Part of it is
that life is just expensive, especially lately, most people are
focused on keeping up with monthly bills. But I also
think a lot of folks get discouraged. They think, if
I can't save thousands right away, why bother?
Speaker 3 (21:35):
Yeah, Like, if you can't save five thousand dollars, saving
fifty dollars feels pointless.
Speaker 4 (21:39):
But that's not true, not at all.
Speaker 1 (21:42):
Starting small builds the habit. Even twenty dollars or fifty
dollars a week adds up fast, and more importantly, it
changes how you think. You start to think like a saver.
Speaker 3 (21:55):
Now I've heard you talk about starter funds versus fully
funded emergency savings. Can you explain the difference?
Speaker 1 (22:00):
Sure, a starter fund is the first milestone, maybe five
hundred to one thousand dollars that's enough to cover a
flat tire. Of that bill or a surprise plumber visit.
Then over time, you were toward a fully funded emergency fund,
which is usually three to six months of essential living expenses.
Speaker 3 (22:23):
So things like housing, utilities, food, insurance, not lifestyle extras.
Speaker 2 (22:28):
Right.
Speaker 1 (22:28):
This fund is there to carry you through a job loss,
a health scare, or something big enough to throw your
budget off for months.
Speaker 4 (22:37):
All right? So when should you use your emergency fund?
Speaker 3 (22:40):
And just as important, when shouldn't you?
Speaker 1 (22:43):
Great question we always tell clients it has to meet
free criteria, unexpected, necessary, and urgent all three.
Speaker 3 (22:52):
So let's do a lightning round car breaks down when
you need it for work.
Speaker 2 (22:55):
Yes, that's a clear emergency.
Speaker 4 (22:57):
Water heater floods the basement.
Speaker 3 (22:59):
Yes again, Memorial Day sail on a giant flat screen TV.
Speaker 2 (23:04):
That's a note. That's a want, not a need.
Speaker 4 (23:07):
Got it.
Speaker 3 (23:08):
So the danger is if you use your emergency fund
for the wrong things, it won't be there when you really.
Speaker 1 (23:13):
Need it exactly, and it can take months, sometimes years
to build it back up. At Kelly Financial we guide
our clients to stop and ask is this truly a
need or just a want?
Speaker 2 (23:26):
In disguise?
Speaker 1 (23:27):
That one question can save a lot of financial heartache.
Speaker 3 (23:31):
And this ties right into retirement planning work we do.
Speaker 4 (23:34):
You always say a good.
Speaker 3 (23:36):
Retirement plan isn't just about investing, it's about resilience.
Speaker 2 (23:39):
That's right.
Speaker 1 (23:40):
We build flexibility into every plan so if life throws
a curpball, you're not forced to make decisions you'll regret later.
Speaker 3 (23:49):
Which brings us to a free investor guide this week,
five retirement planning missteps. To dodge one of the biggest
missteps not preparing for emergencies or overspending with out cushion.
Speaker 1 (24:00):
This guide is a smart next step. It breaks down
the top five risks we see and how to protect yourself.
It even walks you through how to revisit your plan.
Speaker 3 (24:12):
If you'd like a free copy or want to meet
with one of our fiduciary advisors, you can call eight
eight eight eight hundred one eight eight one or email
us at Kelly at Kellyfinancial dot org.
Speaker 1 (24:22):
All right, Coming up next, we'll talk about how emergency
savings look different in retirement, how much is enough and
what kinds of expenses catch retirees.
Speaker 2 (24:33):
By surprise, you're.
Speaker 3 (24:34):
Listening to Safe Money Strategies on WBZ.
Speaker 4 (24:37):
Stay with us. We'll be read back.
Speaker 3 (24:42):
Safe Money strategies with Kelly Kelly and her team Call
Kelly Financial at eighty eight eight hundred twenty one or
go to Kelly Financial dot org. That's Kelly at Kelly
financial dot org.
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The Clay Travis and Buck Sexton Show
The Clay Travis and Buck Sexton Show. Clay Travis and Buck Sexton tackle the biggest stories in news, politics and current events with intelligence and humor. From the border crisis, to the madness of cancel culture and far-left missteps, Clay and Buck guide listeners through the latest headlines and hot topics with fun and entertaining conversations and opinions.
The Charlie Kirk Show
Charlie is America's hardest working grassroots activist who has your inside scoop on the biggest news of the day and what's really going on behind the headlines. The founder of Turning Point USA and one of social media's most engaged personalities, Charlie is on the front lines of America’s culture war, mobilizing hundreds of thousands of students on over 3,500 college and high school campuses across the country, bringing you your daily dose of clarity in a sea of chaos all from his signature no-holds-barred, unapologetically conservative, freedom-loving point of view. You can also watch Charlie Kirk on Salem News Channel