September 20, 2025 • 27 mins
Kelly and William Kelly open this week’s Forever Young with heartfelt gratitude for the clients they consider family, celebrating the values of faith and community that remain at the core of Kelly Financial Services. William shares a moving tribute to the late Charlie Kirk, reflecting on his impact on young generations and the call for unity and critical thinking across divides.
Our advisors follow with important insights:
● Six Social Security changes coming in 2026 and how to prepare.
● Artificial intelligence and the infrastructure shaping new opportunities for investors.
● Why life insurance is more than coverage - it can be a powerful tool for liquidity, protection, and legacy.
The hour closes with the timeless wit and wisdom of the late Bill Kelly, whose words continue to inspire across generations.
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
Our advisors follow with important insights:
● Six Social Security changes coming in 2026 and how to prepare.
● Artificial intelligence and the infrastructure shaping new opportunities for investors.
● Why life insurance is more than coverage - it can be a powerful tool for liquidity, protection, and legacy.
The hour closes with the timeless wit and wisdom of the late Bill Kelly, whose words continue to inspire across generations.
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
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kellyfinancial dot org.
Speaker 2 (00:14):
Hello, this is Greg Murray, senior vice president and chief
Compliance Officer at Kelly Financial Services. Joining me tonight is
Mary Madeline Kelly, one of our wealth advisors. How are
you doing this evening.
Speaker 3 (00:23):
I am doing great. I am definitely feeling the effects
of parenthood after a few weeks of having my puppy, Melly,
and let's just say, I'm glad to experience dog parenthood
before having a human child of my own. This is
a lot of work.
Speaker 2 (00:38):
Having a dog is a lot of work, but as
you know, it's extremely rewarding. You will get through the
puppy stage in no time, and when you do, you'll
miss it absolutely.
Speaker 3 (00:46):
And I'm excited about tonight's topic because it's something we're
hearing about everywhere artificial intelligence or AI. But we're going
to take it a step further and talk about how
AI depends on infrastructure and why that for investors.
Speaker 2 (01:01):
That's right. Most of the headlines focused on the shiny
side of AI, the chatbots, the new tools, the companies
promising big breakthroughs. But what doesn't get talked about as
much is what happens behind the scenes to make.
Speaker 3 (01:12):
It all work exactly. Think about it like this. AI
is the car, but infrastructure is the road. Without strong,
reliable roads, that car doesn't get very far. And those
roads in AI world are things like data centers, broadband networks,
power grids, and semiconductors.
Speaker 2 (01:28):
I love that analogy. Let's talk about the data centers first.
These are massive facilities filled with servers as store and
process data. They need constant cooling, strong security, and a
ton of electricity. And the demand for them is exploding
because of AI.
Speaker 3 (01:41):
That's right, and when demand grows like that, it opens
the door for different types of businesses, real estate companies
that build and lease these centers, construction firms that design them,
and utility companies that keep them powered up.
Speaker 2 (01:54):
And powering them up is no small task. Some reports
say training just one large AI system can use as
much electric city as one hundred homes in a year.
That's incredible when you think about it, it.
Speaker 3 (02:03):
Really is, and that's why energy is such an important
part of this story. Utilities are having to expand capacity,
renewable energy companies are gaining attention, and even nuclear power
is coming back into the conversation. If AI is going
to keep growing, the world needs more power and investors
are paying attention to that.
Speaker 2 (02:21):
And then there are the semiconductors, the brains of AI.
Without them, none of this works. You hear a lot
about companies like Nvidia right now, but the reality is
that there are dozens of players in the supply chain,
from designers to manufacturers to the companies that make the
equipment used in the process exactly.
Speaker 3 (02:36):
And what's interesting is that this isn't just a US story.
Governments around the world are spending billions to expand broadband,
five G and digital infrastructure. In some companies, AI is
seen as a way to leap frog into the future,
so they're investing heavily in the foundations needed to support it.
Speaker 2 (02:54):
So when we talk about opportunities for investors, it's not
only about trying to pick the one AI company that
becomes an XT giant. It's about looking at the bigger picture. Technology, energy,
real estate, and infrastructure. All of these areas are connected.
Speaker 3 (03:07):
And that's where diversification comes in. For most investors. The
smart approach isn't betting everything on one company. It's spreading
investments across different sectors that benefit from the AI trend.
Speaker 2 (03:18):
Yes, and how you approach that depends on where you
are in your life. A younger investor might take on
more growth oriented opportunities, while someone in retirement may focus
on steadier areas like dividend paying utilities or infrastructure funds
that provide more stability.
Speaker 3 (03:32):
And we also need to remember no trend is risk free.
Technology can change quickly, policies can shift, and not every
company will survive. That's why we always tell people that
investing in themes like AI should fit into a bigger
plan and one that keeps their retirement and income needs
on track.
Speaker 2 (03:50):
That's the most important point at Kelly Financial. Our job
is to take exciting opportunities like this and figure out
how they make sense in a well rounded portfolio. It's
not about chasing hype. It's about building security and confidence
for the future exactly.
Speaker 3 (04:02):
And for listeners, the takeaway here is that AI may
be the buzzword, but infrastructure is the backbone. Together, they're
shaping one of the biggest investment themes of the next decade,
and there are ways to participate without overexposing yourself to risk.
Speaker 2 (04:15):
Well said, If you're wondering how this fits into your
financial future, that's a great reason to sit down with us.
Every person's situation is unique, and the right approach for
you depends on your age, your goals, and your comfort
with risk, because.
Speaker 3 (04:27):
At the end of the day, investing isn't just about
what's hot right now. It's about building a plan that
helps you live the retirement you want.
Speaker 2 (04:34):
Absolutely well, that wraps it up for tonight. Thank you, Mary, Madeline,
have fun with Melly this weekend.
Speaker 3 (04:39):
Thanks Greg. See you next week.
Speaker 1 (04:41):
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.
Speaker 4 (04:56):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What Would Bill Say? The Wit and Wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 5 (05:07):
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 4 (05:20):
Download Kelly Financial's Consumer Guide, simply called the value of
an objective opinion. With so much at stake 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
(05:43):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 5 (05:47):
Ladies and gentlemen, sort fact from fiction.
Speaker 4 (05:50):
We are Kelly Financial Services.
Speaker 1 (05:52):
Come retire with us, Welcome back to safe money strategies.
I'm willing Kelly jure here again with my mom, Kelly Kelly,
CEO of Kelly Financial Services. We just came back from
the break and we're continuing our conversation about life insurance
and retirement and Mom, this is one of those topics
where people really need to stop and say, wait a minute,
(06:13):
do I still even need this?
Speaker 6 (06:15):
Exactly? William. We get that question all the time, and
here's the truth. It really depends the type of life
insurance you have. Your financial goals and your family's needs
all play a role. Some people are surprised when they
realize their coverage may end right around the time they retire,
(06:36):
while others discover their policies could actually be a powerful
planning tool during retirement.
Speaker 1 (06:43):
And that's why the very first step is understanding what
kind of policy you actually own. It sounds simple, but
a lot of folks don't know. Some have term insurance,
which usually ends right as you hit retirement. Others have
whole life or permanent policies, which are designed to last
a lifetime and may even build cash value. And then
there are those group life policies from employers, which usually
end the moment you stop working. If you don't know
(07:04):
which category you're in, you can't make good decisions.
Speaker 6 (07:07):
And that's where we come in at Kelly Financial. One
of the services we provide is reviewing clients existing policies.
We sit down, take a look at the coverage, the
fine print, and explain in plain English whether it's still
serving your needs. Sometimes the policies still make sense, other
(07:28):
times it may not be the best fit anymore. Either
way is about giving you clarity and confidence.
Speaker 1 (07:35):
And Mom, I've heard you say so many times. Even
if someone no longer has dependence, life insurance can still matter.
Speaker 7 (07:42):
Why is that great question?
Speaker 6 (07:44):
Even in retirement, there are real financial needs. Just think
about funeral and burial costs. Those alone can run into thousands,
and that's a bill your family would face immediately. A
life insurance policy see creates instant cash so your loved
ones aren't left scrambling to cover expenses at an already
(08:07):
difficult time.
Speaker 1 (08:08):
And it's not just about covering final expenses. Right for
some people, it's about legacy.
Speaker 6 (08:14):
Absolutely. That tax free death benefit can be divided among children, grandchildren,
or even a favorite charity, and because it bypasses probate,
is quick, clean and private. For many families, that's a
huge comfort. It's a way of saying, I want to
leave something behind that helps the people and causes I
(08:36):
care about.
Speaker 7 (08:38):
Now, let's talk about the other side of this. Tax planning.
Speaker 1 (08:41):
Retirement planning is not just about diversifying your investments. It's
also about diversifying how those dollars are taxed. Life insurance
can provide that kind of balance that's right.
Speaker 6 (08:51):
Inside a permanent policy, cash value grows tax deferred, and
if is structured correctly, you can access the value you
tax free through policy loans. So in retirement it becomes
not just a safety net for your family, but also
a tool that gives you flexibility when markets are volatile
(09:12):
or when you want another source of income.
Speaker 1 (09:15):
And the other thing is Unlike stocks or bonds, life
insurance isn't tied up to the ups and downs of
the market. Unlike retirement accounts, there aren't strict contribution limits
from the irs. That makes it unique.
Speaker 6 (09:26):
In today's policies are not set it and forget it.
They're flexible. You can adjust the death benefit, tap into
the accumulated cash value, or add writers for chronic illness
or long term care. That means your life insurance can
grow and adapt with you through retirement. It's a living tool,
(09:48):
not just a payout when you're gone.
Speaker 1 (09:50):
And let's not forget about conversion options. If you own
term insurance, many policies allow you to convert into permanent coverage,
sometimes without a medical exam. That could be incredibly important
if your health has changed.
Speaker 8 (10:03):
Now.
Speaker 6 (10:03):
I want to pause here because this is where people
often make mistakes. They assume, well, I've had this policy forever,
so I'll just let it ride. But life insurance is
not a one size fits all product. What was right
for you twenty years ago might not be right today.
That's why reviewing your policies regularly is so critical. Our
(10:27):
advisors can walk you through your options, compare the cost,
and show you whether a change could benefit you.
Speaker 1 (10:34):
And let's be honest, navigating this alone can be overwhelming.
The terminology, the writers, the tax rules, it's a lot.
Having someone on your side who does this every day
makes a difference exactly.
Speaker 6 (10:47):
We'll sit down with you, look at your debts, your income,
a state, and family needs, and give you straight answers.
We've helped clients reposition qualified retirement savings into permanent life insurance,
which not only provides protection, but also creates tax diversification
(11:07):
and liquidity. It's about making your money work more efficiently
for you and for.
Speaker 1 (11:12):
Listeners who want to dive deeper. We've created a resource.
Speaker 6 (11:16):
Yes, it's our complementary investor Guide Purchasing life insurance with
qualified funds. What you need to know. It explains how
you can use iras for OH one ks or pensions
to purchase life insurance, creating flexibility, tax advantages, and legacy opportunities.
(11:37):
It's a step by step way to rethink how life
insurance might fit into your overall retirement strategy.
Speaker 7 (11:45):
And if you already have life insurance.
Speaker 1 (11:46):
This is a chance for us to review it for you.
We'll give you an honest opinion and help you see
whether it's doing the job you expect.
Speaker 6 (11:53):
To request your free copy of the guide and schedule
a complementary consultation with our team, call eight eight eight
eight hundred eighteen eighty one or email Kelly at Kellyfinancial
dot Org. Will take the time to review your existing
coverage and help you explore how life insurance could support
(12:14):
your retirement plan.
Speaker 1 (12:16):
Thanks so much for joining us. I'm William Kelly Junior
here with my mom, Kelly Kelly, CEO of Kelly Financial Services.
Speaker 6 (12:22):
You're listening to Safe Money Strategies. Don't go anywhere. There's
more financial insight and strategies coming up after the break.
Speaker 1 (12:35):
Safe Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty and
one or go to Kelly Financial dot org. Dot's Kelly
at Kelly Financial dot org.
Speaker 4 (12:47):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What would Bill Say? The wit and wisdom
of the late Bill Kelly, who today tests time time.
Speaker 5 (12:58):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree twenty years ago? When's the second best
time to plant a tree tomorrow? Today? Whenever you can
get to it, that's the next best time.
Speaker 4 (13:13):
There's no time like the present to begin saving, planning,
and enjoying retirement. So download our consumer guide simply called
a Happy Retirement and find six secrets of how you
can spend your time to cultivate happiness and a retirement
well lived. Go to Kellyfinancial dot org or call eight
(13:34):
eight eight eight hundred eighteen eighty one to spend some
time with one of our financial advisors.
Speaker 5 (13:39):
Time, ladies and gentlemen, it's not too late.
Speaker 4 (13:42):
We are Kelly Financial. Come retire with us.
Speaker 9 (13:50):
Welcome back to safe money strategies. Great, let's jump into
the fourth change the earnings limit for people who are
collecting Social Security but still working.
Speaker 10 (13:59):
That's right, twenty twenty six. If you're under your full
retirement age, you'll be able to earn up to twenty
four thousand, three sixty without impacting your benefit. If you
go over, your benefit will be reduced by one dollar
for every two dollars that you earn above that limit.
Speaker 9 (14:18):
And if you reach full retirement age during the year,
that threshold goes up around sixty four eight hundred in
twenty twenty six, with benefits reduced one dollar for every
three above the limit until the month you hit fra.
Speaker 7 (14:33):
Now here's where mistakes happen.
Speaker 10 (14:34):
People think I'll lose those benefits forever, but in reality,
once you reach full retirement age, social Security recalculates and
credits back those withheld benefits over top.
Speaker 9 (14:47):
So the strategy here is don't fare the earnings test,
but plan around it. If you're still working in under
full retirement age, maybe delay filing, or if you really
need the income, understand that some of it will be
temp rarely withheld, but not lost forever.
Speaker 10 (15:02):
And another layer is taxes. Even if your benefits aren't
reduced by the earnings test, your wages combined with your
Social Security could push you into a higher tax bracket,
so you need to plan for that too.
Speaker 9 (15:14):
Okay, change number five. The cost of earning Social Security
work credits is going up again in twenty twenty six.
Greg explain how that works.
Speaker 10 (15:22):
Sure to qualify for Social Security, you need forty work
credits in twenty twenty five, one credit required about one
eight hundred and ten dollars in earnings. Now that number
increases in twenty twenty six, likely around one thousand and
eight to fifty or so.
Speaker 7 (15:40):
You can earn up to four credits per year.
Speaker 9 (15:43):
So if you're younger, this is just a gradual adjustment,
But for people late in their careers this matters. If
you're just shy of the forty credits needed, you want
to make sure you get those last credits in exactly.
Speaker 10 (15:56):
We've seen people who have worked their whole lives but
have had some along the way, maybe years where they
spent raising children at home or self employment where they
didn't report income, and they fell short of the forty credits.
Without the credits, you cannot qualify for retirement benefits.
Speaker 9 (16:14):
So the strategy here is simple, check your Social Security statement,
make sure you're on track for forty credits, and if
you're close, consider staying in the workforce just long enough
to lock them in. And finally, the big one, the
Social Security Trust Fund. Current projection show it could run
out by twenty thirty four, maybe as early as twenty
(16:35):
thirty three, unless Congress acts at that point. Incoming payroll
taxes would only cover about seventy seven percent of promised benefits.
Speaker 7 (16:43):
Now, let's be clear, social Security is.
Speaker 10 (16:46):
Not going away, but if nothing changes, benefits could be
cut by about twenty three percent. That would be a
major hit for retirees who relies solely on Social Security
for retirement income.
Speaker 9 (16:59):
And here's where the planning comes in. You can't control Congress,
but you can control how prepared you are. Build multiple
income sources, retirement accounts, annuities, part time work, rental income,
think about roth conversions to reduce future tax burdens. Plan
as if benefits might be lower, and then if they're not,
you are in better shape.
Speaker 7 (17:19):
That's right.
Speaker 10 (17:20):
We tell clients social Security should be one piece of
the puzzle, not the entire puzzle.
Speaker 9 (17:26):
So let's recap the six changes coming to Social Security
in twenty twenty six. Number one a cost of living
adjustment of about two point seven percent, but watch out
for rising Medicare premiums two. Full retirement age officially reaches
age sixty seven. The third change, the taxable wage cap
rises to about one hundred and eighty three thousand, six
(17:47):
hundred four higher earnings threshold if you're working wild claiming
the fifth change a higher cost to earn work credits
and number six the continued concern about long term solving
and see.
Speaker 10 (18:00):
Each of these changes has ripple effects on retirement planning, climbing,
age taxes, healthcare costs, income strategies.
Speaker 7 (18:08):
They are all connected.
Speaker 9 (18:09):
And that's why having a written plan matters so much.
We can show you exactly how these changes affect you
based on your personal situation. So here's the call to action.
Request a free copy of our Safe Money Strategies workbook
or schedule. Complementary no pressure meeting with us at Kelly
Financial will help you look at your social security, your savings,
and your retirement goals and put together a plan that
(18:30):
gives you clarity and confidence.
Speaker 10 (18:32):
It's your retirement, your money, your future. Don't leave it
to chance. With that, I'm Greg Workman and.
Speaker 9 (18:39):
I'm Mike you sat join us next week for more
safe money strategies.
Speaker 1 (18:45):
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 8 (18:57):
I believe that this nation should commit it zel achieving
the goal of landing a.
Speaker 9 (19:02):
Man on the Moon and returning him safely to the.
Speaker 8 (19:04):
Earth six five four three two one zero All engine run,
look go on to Botow eleven.
Speaker 4 (19:16):
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 us help you set and reach
(19:37):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kelly Financial dot org. Where do
you want to lands in tanglitybavier Landed. We are Kelly
Financial Services. Come retire with us.
Speaker 6 (19:57):
Each week we set aside a few minutes to share
the wit and wisdom of Bill Kelly stories that remind
us of values, lessons and family spirit that shaped his
life today. Bill takes us back to Bailey Brook Farm,
painting a picture of a simpler time when life was unplugged.
(20:18):
Schools were filled with teachers who inspired, and family and
hard work guided every day. These stories aren't just about
the past, they're reminders of what matters most in every
generation and now here's Bill Kelly.
Speaker 5 (20:35):
At times, I still find it difficult to believe there
once was a Baileybrook farm where I grew up. It
seems so out of sync with what's happening nowadays. Rest
assured there was such a farm, people under the age
of forty five might think it's all just a fable.
It's not. They might find it surprising. We had a
sock bag, a ragbag and a single bathroom for ten people,
(20:57):
five of us kids, two foster brothers and Ritchie are
two parents, and of course gramp We had our own
version the Peaceable Kingdom. Chickens and dogs slept in a
pile with the cats. We also had a peddler named
mister Pick, a bread man, a milkman, and the fuller
brush man. The Carters drove to our farm to buy eggs,
and mister Silveria delivered sacks of chicken feed from the
(21:19):
Purina store. Each week in March. He brought cardboard boxes
filled with tiny baby chicks. We would put them under
small heated tents in the Bruder coop and carefully watch
over them, making sure their little troughs were always filled
with grain and water. In the spring, Uncle Tom came
with his shotgun to kill the chicken hawks, which was
(21:39):
probably illegal. Skunks, foxes, and weasels were the main predators,
vying for a meal of fresh eggs or chicken breast.
Lightning storms ruined our egg harvest, and hurricanes threatened our
hen coops. My folks had three jobs collectively. We had
one car and lived almost a mile from the main road.
The rocky dirt lane leading up to our home was
(22:00):
a daily adventure, and it wasn't long before we knew
every crooked rock and bump in the lane by heart.
We walked to school in winter, spring, summer, and fall.
It was exactly a mile and a half, so it
wasn't terrible. I cannot figure out why we didn't ride
our bicycles. We were out the door by seven thirty
a m. And back home by three thirty p m.
(22:21):
There were no cell phones, beepers, or text messages. Life
back then was simple, unplugged. We left for school, the
school I loved. At the end of our school day,
we headed home to play and run. I loved my farm.
I loved all of my schools and all of my teachers.
We carried our lunch to school as there was no cafeteria.
After eating lunch, we headed out for an hour of recess,
(22:43):
running around at top speed, raising cane, having fun, and
forming gangs. Gangs back then were a little bit different
than today's gangs. Members of our gang were the guys
we hung around with at recess and with whom we
played football. That's a bygone era for sure. Now everything's expensive,
everything's by appointment, and everything is pre planned. Kids are
(23:04):
being driven to soccer matches, lacrosse games, swimming practice, and
after school clubs. It's all changed. Is it changed for
the better? I think the new political correctness has caused
a lot of frustration, and the federal school programs seemed
to have left millions of children behind. It's difficult to
fathom why third graders are being taught six steps to
(23:24):
subtract two numbers common core when we did the same
problem using only two steps. The trend seems to be
more toward complicating life than simplifying it for the kids.
Our principal was Missus Carroll and our janitor was Uncle Jesse.
They pretty much ran the school. Missus Carroll would look
right at you and make you stick out your tongue
(23:45):
if it was black, you were lying, and that was that.
Since the color of your tongue determined your fate, we
obviously didn't need too much licorice. Uncle Jesse had both
a secret red powder that would eradicate throw up and
a cloth bin with wheel for the trash. When someone
got sick at school, he came in with the powder
and swept away the mess as if it had never happened.
(24:08):
My family was pro teacher. If something was wrong on
my report card, I and not the teacher, had to
pay the price. We had midterm reports back then. If
I came home with a yellow slip for my midterms,
it wasn't going to be a happy weekend. We used
to call them deficiencies and hope we wouldn't get any
if I did something great. On the other hand, I
(24:28):
received a commendation for that mid term and couldn't wait
to bring it home. Such was life back then. To me,
school was like a daily Broadway play. Now I take
that back. It was like six to eight Broadway plays
each day. To others, these were called classes. I felt
almost as if my teachers were there to entertain me
(24:49):
and teach me, because it was so exciting and so new.
Each time I went to school, I could always sense
a focus upon my well being by each of my teachers.
When I was in fifth grade, I would wake up
in the morning and go to my older brother Michael's
closet after he left for school, steal one of his
shirts and bring it down to the dining room. The
(25:09):
ironing board was usually set up, so i'd iron the
shirt in my khakis too if they needed it. From
junior high on, I bought my own shoes and wore
penny loafers when I could afford to. When I reached
high school, there were lunches I could buy for a quarter.
Believe it or not, the lunches were terrific back then.
I understand much of what the kids are served now
(25:30):
is thrown away because it just isn't appetizing to them.
My high school lunches were great, and every bit was eaten.
I think the most impressive aspect of my schooling was
the teachers. I respected them so much because they held
the keys to our future and they made learning so enjoyable.
This was particularly true of our teachers in history in English.
(25:53):
They made things so much fun. While learning about different authors,
I would get hooked on one and read everything here
he had written. At the end of grade school, I
got into the Hardy Boys series and read all sixty
six books. They were hardbound books that sold for ninety
nine cents each. Since they were written in the thirties.
By nineteen sixty three, they were dated, but they were
(26:14):
fun to read and they were enjoyable. In high school
I got into Hemingway, Faulkner and Sir Arthur Conan Doyle.
Our life was structured around fantasy, respect for teachers and
others in authority, and the survival of a large Irish family.
It was simply the American way.
Speaker 1 (26:32):
Discover safe money strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one to
eighty one or visit Kelly Financial dot org.
Speaker 4 (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 sis 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.
Speaker 7 (27:06):
Investment tax or legal advice. It is always advisable
Speaker 4 (27:08):
To consult a professional before making a financial decision.
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kellyfinancial dot org.
Speaker 2 (00:14):
Hello, this is Greg Murray, senior vice president and chief
Compliance Officer at Kelly Financial Services. Joining me tonight is
Mary Madeline Kelly, one of our wealth advisors. How are
you doing this evening.
Speaker 3 (00:23):
I am doing great. I am definitely feeling the effects
of parenthood after a few weeks of having my puppy, Melly,
and let's just say, I'm glad to experience dog parenthood
before having a human child of my own. This is
a lot of work.
Speaker 2 (00:38):
Having a dog is a lot of work, but as
you know, it's extremely rewarding. You will get through the
puppy stage in no time, and when you do, you'll
miss it absolutely.
Speaker 3 (00:46):
And I'm excited about tonight's topic because it's something we're
hearing about everywhere artificial intelligence or AI. But we're going
to take it a step further and talk about how
AI depends on infrastructure and why that for investors.
Speaker 2 (01:01):
That's right. Most of the headlines focused on the shiny
side of AI, the chatbots, the new tools, the companies
promising big breakthroughs. But what doesn't get talked about as
much is what happens behind the scenes to make.
Speaker 3 (01:12):
It all work exactly. Think about it like this. AI
is the car, but infrastructure is the road. Without strong,
reliable roads, that car doesn't get very far. And those
roads in AI world are things like data centers, broadband networks,
power grids, and semiconductors.
Speaker 2 (01:28):
I love that analogy. Let's talk about the data centers first.
These are massive facilities filled with servers as store and
process data. They need constant cooling, strong security, and a
ton of electricity. And the demand for them is exploding
because of AI.
Speaker 3 (01:41):
That's right, and when demand grows like that, it opens
the door for different types of businesses, real estate companies
that build and lease these centers, construction firms that design them,
and utility companies that keep them powered up.
Speaker 2 (01:54):
And powering them up is no small task. Some reports
say training just one large AI system can use as
much electric city as one hundred homes in a year.
That's incredible when you think about it, it.
Speaker 3 (02:03):
Really is, and that's why energy is such an important
part of this story. Utilities are having to expand capacity,
renewable energy companies are gaining attention, and even nuclear power
is coming back into the conversation. If AI is going
to keep growing, the world needs more power and investors
are paying attention to that.
Speaker 2 (02:21):
And then there are the semiconductors, the brains of AI.
Without them, none of this works. You hear a lot
about companies like Nvidia right now, but the reality is
that there are dozens of players in the supply chain,
from designers to manufacturers to the companies that make the
equipment used in the process exactly.
Speaker 3 (02:36):
And what's interesting is that this isn't just a US story.
Governments around the world are spending billions to expand broadband,
five G and digital infrastructure. In some companies, AI is
seen as a way to leap frog into the future,
so they're investing heavily in the foundations needed to support it.
Speaker 2 (02:54):
So when we talk about opportunities for investors, it's not
only about trying to pick the one AI company that
becomes an XT giant. It's about looking at the bigger picture. Technology, energy,
real estate, and infrastructure. All of these areas are connected.
Speaker 3 (03:07):
And that's where diversification comes in. For most investors. The
smart approach isn't betting everything on one company. It's spreading
investments across different sectors that benefit from the AI trend.
Speaker 2 (03:18):
Yes, and how you approach that depends on where you
are in your life. A younger investor might take on
more growth oriented opportunities, while someone in retirement may focus
on steadier areas like dividend paying utilities or infrastructure funds
that provide more stability.
Speaker 3 (03:32):
And we also need to remember no trend is risk free.
Technology can change quickly, policies can shift, and not every
company will survive. That's why we always tell people that
investing in themes like AI should fit into a bigger
plan and one that keeps their retirement and income needs
on track.
Speaker 2 (03:50):
That's the most important point at Kelly Financial. Our job
is to take exciting opportunities like this and figure out
how they make sense in a well rounded portfolio. It's
not about chasing hype. It's about building security and confidence
for the future exactly.
Speaker 3 (04:02):
And for listeners, the takeaway here is that AI may
be the buzzword, but infrastructure is the backbone. Together, they're
shaping one of the biggest investment themes of the next decade,
and there are ways to participate without overexposing yourself to risk.
Speaker 2 (04:15):
Well said, If you're wondering how this fits into your
financial future, that's a great reason to sit down with us.
Every person's situation is unique, and the right approach for
you depends on your age, your goals, and your comfort
with risk, because.
Speaker 3 (04:27):
At the end of the day, investing isn't just about
what's hot right now. It's about building a plan that
helps you live the retirement you want.
Speaker 2 (04:34):
Absolutely well, that wraps it up for tonight. Thank you, Mary, Madeline,
have fun with Melly this weekend.
Speaker 3 (04:39):
Thanks Greg. See you next week.
Speaker 1 (04:41):
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.
Speaker 4 (04:56):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What Would Bill Say? The Wit and Wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 5 (05:07):
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 4 (05:20):
Download Kelly Financial's Consumer Guide, simply called the value of
an objective opinion. With so much at stake 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
(05:43):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 5 (05:47):
Ladies and gentlemen, sort fact from fiction.
Speaker 4 (05:50):
We are Kelly Financial Services.
Speaker 1 (05:52):
Come retire with us, Welcome back to safe money strategies.
I'm willing Kelly jure here again with my mom, Kelly Kelly,
CEO of Kelly Financial Services. We just came back from
the break and we're continuing our conversation about life insurance
and retirement and Mom, this is one of those topics
where people really need to stop and say, wait a minute,
(06:13):
do I still even need this?
Speaker 6 (06:15):
Exactly? William. We get that question all the time, and
here's the truth. It really depends the type of life
insurance you have. Your financial goals and your family's needs
all play a role. Some people are surprised when they
realize their coverage may end right around the time they retire,
(06:36):
while others discover their policies could actually be a powerful
planning tool during retirement.
Speaker 1 (06:43):
And that's why the very first step is understanding what
kind of policy you actually own. It sounds simple, but
a lot of folks don't know. Some have term insurance,
which usually ends right as you hit retirement. Others have
whole life or permanent policies, which are designed to last
a lifetime and may even build cash value. And then
there are those group life policies from employers, which usually
end the moment you stop working. If you don't know
(07:04):
which category you're in, you can't make good decisions.
Speaker 6 (07:07):
And that's where we come in at Kelly Financial. One
of the services we provide is reviewing clients existing policies.
We sit down, take a look at the coverage, the
fine print, and explain in plain English whether it's still
serving your needs. Sometimes the policies still make sense, other
(07:28):
times it may not be the best fit anymore. Either
way is about giving you clarity and confidence.
Speaker 1 (07:35):
And Mom, I've heard you say so many times. Even
if someone no longer has dependence, life insurance can still matter.
Speaker 7 (07:42):
Why is that great question?
Speaker 6 (07:44):
Even in retirement, there are real financial needs. Just think
about funeral and burial costs. Those alone can run into thousands,
and that's a bill your family would face immediately. A
life insurance policy see creates instant cash so your loved
ones aren't left scrambling to cover expenses at an already
(08:07):
difficult time.
Speaker 1 (08:08):
And it's not just about covering final expenses. Right for
some people, it's about legacy.
Speaker 6 (08:14):
Absolutely. That tax free death benefit can be divided among children, grandchildren,
or even a favorite charity, and because it bypasses probate,
is quick, clean and private. For many families, that's a
huge comfort. It's a way of saying, I want to
leave something behind that helps the people and causes I
(08:36):
care about.
Speaker 7 (08:38):
Now, let's talk about the other side of this. Tax planning.
Speaker 1 (08:41):
Retirement planning is not just about diversifying your investments. It's
also about diversifying how those dollars are taxed. Life insurance
can provide that kind of balance that's right.
Speaker 6 (08:51):
Inside a permanent policy, cash value grows tax deferred, and
if is structured correctly, you can access the value you
tax free through policy loans. So in retirement it becomes
not just a safety net for your family, but also
a tool that gives you flexibility when markets are volatile
(09:12):
or when you want another source of income.
Speaker 1 (09:15):
And the other thing is Unlike stocks or bonds, life
insurance isn't tied up to the ups and downs of
the market. Unlike retirement accounts, there aren't strict contribution limits
from the irs. That makes it unique.
Speaker 6 (09:26):
In today's policies are not set it and forget it.
They're flexible. You can adjust the death benefit, tap into
the accumulated cash value, or add writers for chronic illness
or long term care. That means your life insurance can
grow and adapt with you through retirement. It's a living tool,
(09:48):
not just a payout when you're gone.
Speaker 1 (09:50):
And let's not forget about conversion options. If you own
term insurance, many policies allow you to convert into permanent coverage,
sometimes without a medical exam. That could be incredibly important
if your health has changed.
Speaker 8 (10:03):
Now.
Speaker 6 (10:03):
I want to pause here because this is where people
often make mistakes. They assume, well, I've had this policy forever,
so I'll just let it ride. But life insurance is
not a one size fits all product. What was right
for you twenty years ago might not be right today.
That's why reviewing your policies regularly is so critical. Our
(10:27):
advisors can walk you through your options, compare the cost,
and show you whether a change could benefit you.
Speaker 1 (10:34):
And let's be honest, navigating this alone can be overwhelming.
The terminology, the writers, the tax rules, it's a lot.
Having someone on your side who does this every day
makes a difference exactly.
Speaker 6 (10:47):
We'll sit down with you, look at your debts, your income,
a state, and family needs, and give you straight answers.
We've helped clients reposition qualified retirement savings into permanent life insurance,
which not only provides protection, but also creates tax diversification
(11:07):
and liquidity. It's about making your money work more efficiently
for you and for.
Speaker 1 (11:12):
Listeners who want to dive deeper. We've created a resource.
Speaker 6 (11:16):
Yes, it's our complementary investor Guide Purchasing life insurance with
qualified funds. What you need to know. It explains how
you can use iras for OH one ks or pensions
to purchase life insurance, creating flexibility, tax advantages, and legacy opportunities.
(11:37):
It's a step by step way to rethink how life
insurance might fit into your overall retirement strategy.
Speaker 7 (11:45):
And if you already have life insurance.
Speaker 1 (11:46):
This is a chance for us to review it for you.
We'll give you an honest opinion and help you see
whether it's doing the job you expect.
Speaker 6 (11:53):
To request your free copy of the guide and schedule
a complementary consultation with our team, call eight eight eight
eight hundred eighteen eighty one or email Kelly at Kellyfinancial
dot Org. Will take the time to review your existing
coverage and help you explore how life insurance could support
(12:14):
your retirement plan.
Speaker 1 (12:16):
Thanks so much for joining us. I'm William Kelly Junior
here with my mom, Kelly Kelly, CEO of Kelly Financial Services.
Speaker 6 (12:22):
You're listening to Safe Money Strategies. Don't go anywhere. There's
more financial insight and strategies coming up after the break.
Speaker 1 (12:35):
Safe Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty and
one or go to Kelly Financial dot org. Dot's Kelly
at Kelly Financial dot org.
Speaker 4 (12:47):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What would Bill Say? The wit and wisdom
of the late Bill Kelly, who today tests time time.
Speaker 5 (12:58):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree twenty years ago? When's the second best
time to plant a tree tomorrow? Today? Whenever you can
get to it, that's the next best time.
Speaker 4 (13:13):
There's no time like the present to begin saving, planning,
and enjoying retirement. So download our consumer guide simply called
a Happy Retirement and find six secrets of how you
can spend your time to cultivate happiness and a retirement
well lived. Go to Kellyfinancial dot org or call eight
(13:34):
eight eight eight hundred eighteen eighty one to spend some
time with one of our financial advisors.
Speaker 5 (13:39):
Time, ladies and gentlemen, it's not too late.
Speaker 4 (13:42):
We are Kelly Financial. Come retire with us.
Speaker 9 (13:50):
Welcome back to safe money strategies. Great, let's jump into
the fourth change the earnings limit for people who are
collecting Social Security but still working.
Speaker 10 (13:59):
That's right, twenty twenty six. If you're under your full
retirement age, you'll be able to earn up to twenty
four thousand, three sixty without impacting your benefit. If you
go over, your benefit will be reduced by one dollar
for every two dollars that you earn above that limit.
Speaker 9 (14:18):
And if you reach full retirement age during the year,
that threshold goes up around sixty four eight hundred in
twenty twenty six, with benefits reduced one dollar for every
three above the limit until the month you hit fra.
Speaker 7 (14:33):
Now here's where mistakes happen.
Speaker 10 (14:34):
People think I'll lose those benefits forever, but in reality,
once you reach full retirement age, social Security recalculates and
credits back those withheld benefits over top.
Speaker 9 (14:47):
So the strategy here is don't fare the earnings test,
but plan around it. If you're still working in under
full retirement age, maybe delay filing, or if you really
need the income, understand that some of it will be
temp rarely withheld, but not lost forever.
Speaker 10 (15:02):
And another layer is taxes. Even if your benefits aren't
reduced by the earnings test, your wages combined with your
Social Security could push you into a higher tax bracket,
so you need to plan for that too.
Speaker 9 (15:14):
Okay, change number five. The cost of earning Social Security
work credits is going up again in twenty twenty six.
Greg explain how that works.
Speaker 10 (15:22):
Sure to qualify for Social Security, you need forty work
credits in twenty twenty five, one credit required about one
eight hundred and ten dollars in earnings. Now that number
increases in twenty twenty six, likely around one thousand and
eight to fifty or so.
Speaker 7 (15:40):
You can earn up to four credits per year.
Speaker 9 (15:43):
So if you're younger, this is just a gradual adjustment,
But for people late in their careers this matters. If
you're just shy of the forty credits needed, you want
to make sure you get those last credits in exactly.
Speaker 10 (15:56):
We've seen people who have worked their whole lives but
have had some along the way, maybe years where they
spent raising children at home or self employment where they
didn't report income, and they fell short of the forty credits.
Without the credits, you cannot qualify for retirement benefits.
Speaker 9 (16:14):
So the strategy here is simple, check your Social Security statement,
make sure you're on track for forty credits, and if
you're close, consider staying in the workforce just long enough
to lock them in. And finally, the big one, the
Social Security Trust Fund. Current projection show it could run
out by twenty thirty four, maybe as early as twenty
(16:35):
thirty three, unless Congress acts at that point. Incoming payroll
taxes would only cover about seventy seven percent of promised benefits.
Speaker 7 (16:43):
Now, let's be clear, social Security is.
Speaker 10 (16:46):
Not going away, but if nothing changes, benefits could be
cut by about twenty three percent. That would be a
major hit for retirees who relies solely on Social Security
for retirement income.
Speaker 9 (16:59):
And here's where the planning comes in. You can't control Congress,
but you can control how prepared you are. Build multiple
income sources, retirement accounts, annuities, part time work, rental income,
think about roth conversions to reduce future tax burdens. Plan
as if benefits might be lower, and then if they're not,
you are in better shape.
Speaker 7 (17:19):
That's right.
Speaker 10 (17:20):
We tell clients social Security should be one piece of
the puzzle, not the entire puzzle.
Speaker 9 (17:26):
So let's recap the six changes coming to Social Security
in twenty twenty six. Number one a cost of living
adjustment of about two point seven percent, but watch out
for rising Medicare premiums two. Full retirement age officially reaches
age sixty seven. The third change, the taxable wage cap
rises to about one hundred and eighty three thousand, six
(17:47):
hundred four higher earnings threshold if you're working wild claiming
the fifth change a higher cost to earn work credits
and number six the continued concern about long term solving
and see.
Speaker 10 (18:00):
Each of these changes has ripple effects on retirement planning, climbing,
age taxes, healthcare costs, income strategies.
Speaker 7 (18:08):
They are all connected.
Speaker 9 (18:09):
And that's why having a written plan matters so much.
We can show you exactly how these changes affect you
based on your personal situation. So here's the call to action.
Request a free copy of our Safe Money Strategies workbook
or schedule. Complementary no pressure meeting with us at Kelly
Financial will help you look at your social security, your savings,
and your retirement goals and put together a plan that
(18:30):
gives you clarity and confidence.
Speaker 10 (18:32):
It's your retirement, your money, your future. Don't leave it
to chance. With that, I'm Greg Workman and.
Speaker 9 (18:39):
I'm Mike you sat join us next week for more
safe money strategies.
Speaker 1 (18:45):
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 8 (18:57):
I believe that this nation should commit it zel achieving
the goal of landing a.
Speaker 9 (19:02):
Man on the Moon and returning him safely to the.
Speaker 8 (19:04):
Earth six five four three two one zero All engine run,
look go on to Botow eleven.
Speaker 4 (19:16):
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 us help you set and reach
(19:37):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kelly Financial dot org. Where do
you want to lands in tanglitybavier Landed. We are Kelly
Financial Services. Come retire with us.
Speaker 6 (19:57):
Each week we set aside a few minutes to share
the wit and wisdom of Bill Kelly stories that remind
us of values, lessons and family spirit that shaped his
life today. Bill takes us back to Bailey Brook Farm,
painting a picture of a simpler time when life was unplugged.
(20:18):
Schools were filled with teachers who inspired, and family and
hard work guided every day. These stories aren't just about
the past, they're reminders of what matters most in every
generation and now here's Bill Kelly.
Speaker 5 (20:35):
At times, I still find it difficult to believe there
once was a Baileybrook farm where I grew up. It
seems so out of sync with what's happening nowadays. Rest
assured there was such a farm, people under the age
of forty five might think it's all just a fable.
It's not. They might find it surprising. We had a
sock bag, a ragbag and a single bathroom for ten people,
(20:57):
five of us kids, two foster brothers and Ritchie are
two parents, and of course gramp We had our own
version the Peaceable Kingdom. Chickens and dogs slept in a
pile with the cats. We also had a peddler named
mister Pick, a bread man, a milkman, and the fuller
brush man. The Carters drove to our farm to buy eggs,
and mister Silveria delivered sacks of chicken feed from the
(21:19):
Purina store. Each week in March. He brought cardboard boxes
filled with tiny baby chicks. We would put them under
small heated tents in the Bruder coop and carefully watch
over them, making sure their little troughs were always filled
with grain and water. In the spring, Uncle Tom came
with his shotgun to kill the chicken hawks, which was
(21:39):
probably illegal. Skunks, foxes, and weasels were the main predators,
vying for a meal of fresh eggs or chicken breast.
Lightning storms ruined our egg harvest, and hurricanes threatened our
hen coops. My folks had three jobs collectively. We had
one car and lived almost a mile from the main road.
The rocky dirt lane leading up to our home was
(22:00):
a daily adventure, and it wasn't long before we knew
every crooked rock and bump in the lane by heart.
We walked to school in winter, spring, summer, and fall.
It was exactly a mile and a half, so it
wasn't terrible. I cannot figure out why we didn't ride
our bicycles. We were out the door by seven thirty
a m. And back home by three thirty p m.
(22:21):
There were no cell phones, beepers, or text messages. Life
back then was simple, unplugged. We left for school, the
school I loved. At the end of our school day,
we headed home to play and run. I loved my farm.
I loved all of my schools and all of my teachers.
We carried our lunch to school as there was no cafeteria.
After eating lunch, we headed out for an hour of recess,
(22:43):
running around at top speed, raising cane, having fun, and
forming gangs. Gangs back then were a little bit different
than today's gangs. Members of our gang were the guys
we hung around with at recess and with whom we
played football. That's a bygone era for sure. Now everything's expensive,
everything's by appointment, and everything is pre planned. Kids are
(23:04):
being driven to soccer matches, lacrosse games, swimming practice, and
after school clubs. It's all changed. Is it changed for
the better? I think the new political correctness has caused
a lot of frustration, and the federal school programs seemed
to have left millions of children behind. It's difficult to
fathom why third graders are being taught six steps to
(23:24):
subtract two numbers common core when we did the same
problem using only two steps. The trend seems to be
more toward complicating life than simplifying it for the kids.
Our principal was Missus Carroll and our janitor was Uncle Jesse.
They pretty much ran the school. Missus Carroll would look
right at you and make you stick out your tongue
(23:45):
if it was black, you were lying, and that was that.
Since the color of your tongue determined your fate, we
obviously didn't need too much licorice. Uncle Jesse had both
a secret red powder that would eradicate throw up and
a cloth bin with wheel for the trash. When someone
got sick at school, he came in with the powder
and swept away the mess as if it had never happened.
(24:08):
My family was pro teacher. If something was wrong on
my report card, I and not the teacher, had to
pay the price. We had midterm reports back then. If
I came home with a yellow slip for my midterms,
it wasn't going to be a happy weekend. We used
to call them deficiencies and hope we wouldn't get any
if I did something great. On the other hand, I
(24:28):
received a commendation for that mid term and couldn't wait
to bring it home. Such was life back then. To me,
school was like a daily Broadway play. Now I take
that back. It was like six to eight Broadway plays
each day. To others, these were called classes. I felt
almost as if my teachers were there to entertain me
(24:49):
and teach me, because it was so exciting and so new.
Each time I went to school, I could always sense
a focus upon my well being by each of my teachers.
When I was in fifth grade, I would wake up
in the morning and go to my older brother Michael's
closet after he left for school, steal one of his
shirts and bring it down to the dining room. The
(25:09):
ironing board was usually set up, so i'd iron the
shirt in my khakis too if they needed it. From
junior high on, I bought my own shoes and wore
penny loafers when I could afford to. When I reached
high school, there were lunches I could buy for a quarter.
Believe it or not, the lunches were terrific back then.
I understand much of what the kids are served now
(25:30):
is thrown away because it just isn't appetizing to them.
My high school lunches were great, and every bit was eaten.
I think the most impressive aspect of my schooling was
the teachers. I respected them so much because they held
the keys to our future and they made learning so enjoyable.
This was particularly true of our teachers in history in English.
(25:53):
They made things so much fun. While learning about different authors,
I would get hooked on one and read everything here
he had written. At the end of grade school, I
got into the Hardy Boys series and read all sixty
six books. They were hardbound books that sold for ninety
nine cents each. Since they were written in the thirties.
By nineteen sixty three, they were dated, but they were
(26:14):
fun to read and they were enjoyable. In high school
I got into Hemingway, Faulkner and Sir Arthur Conan Doyle.
Our life was structured around fantasy, respect for teachers and
others in authority, and the survival of a large Irish family.
It was simply the American way.
Speaker 1 (26:32):
Discover safe money strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one to
eighty one or visit Kelly Financial dot org.
Speaker 4 (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 sis 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.
Speaker 7 (27:06):
Investment tax or legal advice. It is always advisable
Speaker 4 (27:08):
To consult a professional before making a financial decision.
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