September 27, 2025 • 24 mins
This week on Safe Money Strategies, Kelly and her son, William, reflect on the pace of life and family moments, then share their excitement for the upcoming October 15th iHeartMedia event with Jeff Kuhner - an afternoon of food, fun, and a behind-the-scenes studio tour. William will also preview his forthcoming book, Only the Good Invest Young, a project designed to spark cross-generational conversations about financial discipline and long-term planning. Their conversation underscores why these principles matter now more than ever. The Kelly advisors continue with timely insights on how tariffs and global trade policies ripple through everyday spending and investment portfolios, and why health care and Medicare planning remain critical parts of a secure retirement. The hour closes with the enduring wit and wisdom of Bill Kelly, whose words continue to guide and 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.
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. I'm so glad you're
with us. Every Saturday night at nine pm, we bring
you real conversations about retirement, resilience and protecting the life
(00:27):
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 with clarity and confidence. You may
know us from our two decades on the AM airwaves,
and now we're thrilled to bring that same trusted voice
(00:50):
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 fiduciary advisors. Together, we
(01:11):
share practical strategies, personal stories, and a few laughs along
the way. We'll cover everything from inflation and taxes to
income planning, market trends, and how to leave a lasting legacy.
Because retirement isn't. The end of the story is the
beginning of a new one. So if you're winding down
(01:32):
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 2 (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
at financial dot org.
Speaker 1 (02:08):
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. This
is a part of the show we call Forever Young'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
(02:29):
planning for the future. Sometimes is light, sometimes is thoughtful,
but it's always real. Good evening, William, how are you.
Speaker 2 (02:37):
I'm fine, Mom. Thank you for asking. It's been a
beautiful week and we've had a lot of fun I
think that it's rare now these days that we see
the cooners. It feels like it's like we always get
so busy in our lives and current events, you know,
catches up with you know, doctor Grace and Jeff and they,
I mean, current events is their business pretty much aside
(02:59):
with you know, doctor Craze has multiple careers, but you know,
Jeff's main career is about what's going on, and obviously
it's been heavy packed lately, so it's completely understandable. But
every now and then, family events will bring us all together.
And his daughter had a wonderful birthday party at Longhorns
and we had a ball. We had such a great.
Speaker 1 (03:18):
Time we did. That was so much fun. That really
was So we have an upcoming event.
Speaker 2 (03:25):
That's true, we do.
Speaker 1 (03:26):
We're all getting excited for I know Jeff is getting
excited as well.
Speaker 2 (03:31):
That's true. And it's crazy because I can talk about
my book now freely. Every time we have discussions like
our weekly chat, I have to hold back. I can't
talk about the book at all or it's you know,
I'm scared I'm going to spoil the secret, but not anymore.
I've advertised it for two weeks now. But ladies, I know, yeah, yeah,
ladies and gentlemen, it's going to be I think it's
(03:52):
looking like I hate to say this, but maybe two
more months at most. We were hoping to get this
out on October. But obviously, ladies and gentlemen, there's a
different level of standards. Whenever you're producing a book for
financial advice. We want to make sure that I am
making the best book possible for you, that we're doing
everything right, that you know, everything is properly edited, because
(04:16):
you know, it is delicate information that can change your
life for the better. So we want to make sure
we're doing it the right way. And on top of that,
it does take some time to get it printed.
Speaker 1 (04:25):
And well, first of all, compliant.
Speaker 2 (04:28):
Approved, that's right, Yeah, I did. I didn't want to
say that without saying it.
Speaker 1 (04:31):
But compliance is quite important.
Speaker 2 (04:34):
Extremely important. Yes, gentleman, compliance is necessary. I mean if
we do not have compliance, people could do some very
bad things, especially in the financial services industry. So it's
a good thing.
Speaker 1 (04:45):
Yes.
Speaker 2 (04:45):
The only downside is that it's going to take some
more time. But the upside is that it's gonna you know,
it protects you guys. At the end of the day,
which I prefer, So it's gonna it'll.
Speaker 1 (04:55):
Want before before William.
Speaker 2 (04:57):
Yes, Math, it'll be here before Christmas. I thought you
were going to say, which is true. It will be
here before Christmas. Oh, yes, that's the probably more important.
But obviously me being me, I'm itching for it to
come as soon as Paul.
Speaker 1 (05:08):
But you know what, we we're taking pre orders, so
that is true. It will be sending them out.
Speaker 2 (05:14):
I don't want you guys to feel like it's never
going to come out. That's my fear. I want you
guys to know that this is very important to me,
to make sure that you guys get it and to
keep you guys, you know, obviously focused on on receiving
this book. I don't want this to be like hype
and then what you guys do.
Speaker 1 (05:30):
But you'll be able to talk about it some at
our event in October fifteenth, that's right, Jeff at the
iHeart Media Location Studios. Yes, crazy, Yes, it'll be from
four to six on a Wednesday afternoon. We'll have food,
we'll have drink, we'll have.
Speaker 2 (05:48):
Prizes, prizes, yes me prizes.
Speaker 1 (05:52):
Yes, we will see behind the scenes. That's cool, behind
the scene things that happen.
Speaker 2 (05:58):
You guys are going to see this studio. You're going
to see where Jeff Coooner works, where the magic happens.
My heart, it's a legit location, ladies and.
Speaker 1 (06:07):
Joe I speak.
Speaker 2 (06:09):
Yeah, I've been there before for representing our sponsorship at
the dav event, and I have to tell you, ladies
and gentlemen, it is a high tech building and it
is so nice. Yeah, we're extremely grateful for them letting
us have this event here, for them inviting us. I'm
so excited for everybody to see it. I'm so excited
(06:30):
for you. Guys are going to love it. It's really beautiful.
It's cool. So we invite you please come. It's going
to be October fifteenth, right.
Speaker 1 (06:38):
You have to register. It's a smaller event, yes, so
for some yes, limited tickets for this. Yes, So you
just you need to call our eight hundred number.
Speaker 2 (06:50):
And then eighty eight eight hundred and one, Ladies and gentlemen.
Been saying that number since I was probably four years old.
Speaker 1 (06:57):
Yeah, I know, I know you learned that at an early.
Speaker 2 (07:00):
No, we're lucky we have a good eight hundred number.
I know you can always get a good one, you know.
I mean you have like certain people like lawyers will
have certain catchphrases in it, but no, it's just eighty
eight eight hundred one eight eight one. It just rolls
off the tongue. So please, ladies and gentlemen, recite that
in public, very loud as loud as possible, and do
some marketing for us. We appreciate it.
Speaker 1 (07:23):
So obviously no one can see you right now, but
I have to say, William has got on the greatest
T shirt to reach out. Sure, that's right, and I
have one as well that you gave me. Yes, mate,
Mary Madlin wants one?
Speaker 2 (07:37):
Does she? Yes?
Speaker 1 (07:38):
Last weekend on Sunday, She's like, where did you get that?
Speaker 2 (07:41):
Oh? My god? Like William Well, ladies and gentlemen, to
support Turning Point USA, go to the Charliekirkshow dot com
I think, or just type in Google the Charlie Kirkshow
apparel and they show Charlie Kirk's actual freedom Turning Point
USA white shirt that he wore when he passed away.
But days after he passed away after his assassination, I
(08:04):
immediately went on Amazon and made custom shirts that mimic
the same shirt because I wanted to wear it in
public because I wanted to make a statement that this
is what's important to me, and this, you know, Charlie
Kirk died for us to be able to express ourselves,
for us to be able to have a public discourse
(08:26):
with one another. And I know, ladies and gentlemen, you've
heard that a million times. Everybody's already said it. But
I have to say, this isn't a trend. It's not
a fad. And unfortunately you do have to look at
political events like that sometimes because then there's a horrible
event and then people move on. I mean, when was
the last time we talked about the healthcare CEO at
United or not?
Speaker 3 (08:45):
Yeah?
Speaker 2 (08:45):
I was United. I mean people had mixed opinions about that.
Some people said, well he was a greedy CEO, and
others say, well he was a husband and a father
and he's not directly responsible for everything, you know what
I mean. So, and also violence is never the answer,
no matter whatever. But then we move on from that
and we go to the next extreme event. Ladies and gentlemen,
(09:06):
I think sometimes we forget that there is an industry
in fear mongering, and there's an industry in you continuing
to watch the news, So, ladies and gentlemen, I think,
Charlie Kirk, this isn't fear mongering. In fact, he would
want people to celebrate his life. He want us to
keep going on strong and not to cower. And I
(09:29):
think it's different because he was such a good man,
such a good Christian man, that people really revered him,
people who really knew him, and then the truth of him,
like his words, all of a sudden became more special
after he died. Watching his video, seeing his message, it's
incredible the effect he has had. I think it's part
(09:52):
of God's plan. I think that unfortunately it's tragic, but
I think it does make sense because he's a martyr,
and look at the asive movement. He's achieve his goal
essentially through dying. As horrible as that is, ladies and gentlemen,
I know it's bad, but if you look at it,
he's accomplished so much in his assassination. His wife is
so strong, very beautiful, and very moving. At his funeral
(10:17):
service or memorial service, she forgave the shooter and an
act of Christ's likeness is the only way I can
explain it. I mean, how do you do that? Ladies?
And gentlemen, that takes a lot of strength to be
able to genuinely forgive the man who killed the person
that you loved. I think, I just but that makes
(10:39):
you sit and think, would I have the ability to
do that? Right? It takes a lot, because I mean,
after Charlie Kirk was assassinated, I would say that a
lot of conservatives became angry. Some of them felt like, oh,
we need to take up arms and we need to
fight back physically. But then all of a sudden we
kind of realized, no, that's not the way to go.
That's the opposite of what Charlie would want. But anyways,
(11:01):
I want to conclude this by saying, the numbers at
his funeral service were larger than John F. Kennedy's and
Martin Luther King's funeral.
Speaker 1 (11:10):
Wow.
Speaker 2 (11:10):
Yeah, more people attended Charlie Kirk's funeral than jfk or
Martin Luther King's funeral.
Speaker 1 (11:16):
Incredible truly.
Speaker 2 (11:18):
So if that doesn't say anything, I don't know what does.
Speaker 1 (11:21):
Wow?
Speaker 4 (11:22):
Wow?
Speaker 1 (11:22):
Say Amen William, thank you Amen to that. Yeah. Yeah,
do keep us on your dial. We've got a lot
of great content coming your way. Mike do Set and
Greg Workman will take a closer look at why healthcare
and medicare planning is one of the most overlooked, yet
most critical parts of retirement. Mary, Madeline Kelly and Greg
(11:44):
Murray will be breaking down how tariffs and global trade
policies can ripple through your portfolio and affect every day spending.
I will be back with William and we will take
a closer look at his new book, Only the Good
invest Young. We will discuss why financial discipline matters and
how this book is sparking conversations across generations. And of
(12:07):
course we'll close the hour with some wit and wisdom
from the late Bill Kelly. His words continue to inspire
and guide us. That's a wrap for forever, Young. Thank
you for listening, William, thank you for joining me. We'll
be back with more content. I love you, Honey, I
love you too.
Speaker 2 (12:23):
Mom. Call us today at eight eight hundred and twenty
eighty one or visit us online at Kellyfinancial dot org
to schedule your complimentary retirement income analysis.
Speaker 1 (12:37):
I'm Kelly Kelly from Kelly Financial. Whether you're in your forties, fifties,
or sixties, financial advice is important when it comes to
preserving your nest egg. We have a free investor guide
called designing your Fiscal House to Weather the Elements, which
highlights the steps needed to build a balanced portfolio. For
the guide, call eight eight eight eight hundred eighteen eighty
(13:00):
one or email Kelly at Kellyfinancial dot org. We're Kelly Financial.
Come retire with us.
Speaker 5 (13:11):
Hello, I'll mike you, said, Chief Operating officer at Kelly
Financial Services. You are listening to Kelly Financial, safe money strategies,
where we believe your financial future should be built on
wisdom not anxiety. Tonight I am joined by one of
the trusted investment advisors on our team, Greg Workman.
Speaker 2 (13:28):
Good evening.
Speaker 6 (13:29):
We're here every week to help you make smarter, safer
financial choices without the confusing industry jargon and without the stress.
Speaker 5 (13:39):
Kelly Financial Services is a fiduciary that serves over seventeen
hundred clients in the New England area and beyond. Our
recommendations are grounded in a personalized written financial plan that
almost every client has on file. The planning process provides
our clients with peace of mind knowing that they are
going to be okay.
Speaker 6 (13:58):
A financial plan is important because it acts as a
strategic roadmap for your finances, providing a clear pathway to
achieve your goals and financial security. It gives you control
and confidence over your money by outlining your current financial situation,
defining future objectives, and outlines exactly how to achieve them.
Speaker 5 (14:18):
We're dedicating tonight's show to a topic that is possibly
the most overlooked parts of retirement planning, medicare and health
insurance planning. Here are six reasons why it matters so
much for retirees and those approaching retirement. Number one, healthcare
is one of the largest expenses we face in retirement.
(14:38):
One study estimates the average sixty five year old couple
may spend three hundred thousand or more on healthcare in retirement.
Number two, Medicare is not free and it does not
cover everything. Look no further than dental, vision, hearing, AIDS,
or long term care. Number three, Enrollment decisions are time sensitive.
(15:00):
Missing deadlines can lead to very costly lifetime penalties.
Speaker 6 (15:03):
Health coverage before Medicare is critical. Many people retire before
age sixty five, and they lose the safety and security
of an employer sponsored health plan. Healthcare costs are tied
to income and retirement Medicare premiums can and do increase
with higher income levels. Coordinating withdrawals from iras, roth accounts,
(15:25):
and social Security can help you manage taxes and reduce
Medicare costs. And the final point, Medicare and health insurance planning,
when done correctly, can protect your retirement income and your legacy.
Without the proper planning, high medical expenses or a long
term care event can quickly drain your retirement savings.
Speaker 5 (15:46):
We find that today's retirees forair both the financial side
that would be money lasting long enough, rising costs of
healthcare and runaway inflation, and the emotional side of retirement age,
their purpose, independence, lifestyle, and quality of life. That's why
comprehensive retirement planning is more than just numbers. It's all
about peace of mind.
Speaker 6 (16:05):
Financial planning provides clarity and direction by helping you assess
your current financial situation, set and prioritize your long and
short term goals, and develop a tailored strategy to achieve them.
Speaker 5 (16:18):
We've been helping individuals identify, organize, and prioritize their financial goals,
creating a clear path to achieve them for a long
time now, and the two biggest fares haven't changed.
Speaker 2 (16:31):
Greg what are those two fares?
Speaker 6 (16:33):
First and foremost, the fear of outliving their money. Longevity
risk is consistently the number one fear in retirement surveys,
And second, the unpredictability of medical and healthcare costs, including
long term care, which is a huge concern since Medicare
does not cover most, if not all, of a long
(16:55):
term care event and its related expenses.
Speaker 5 (16:58):
It is so important for today's financial advisors to build
strategic relationships with estate planning attorneys CPAs, and health insurance
and medicare specialists. Why all the pieces of your financial
life are interconnected. Money decisions rarely exist in a vacuum.
Speaker 6 (17:13):
A well coordinated team of specialists directly impacts whether someone's
retirement plan succeeds. Without coordination, a client could overpay taxes,
face probate delays, or have major gaps in their healthcare coverage.
Speaker 5 (17:28):
When we return from a brief break, will introduce you
to a Medicare and individual health insurance expert that has
over fifteen years of experience helping his clients navigate the
complex landscape of healthcare planning in pre and post retirement.
Speaker 1 (17:47):
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 putting you first.
For the book, call eight eight eight eight hundred and
(18:09):
eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.
Speaker 4 (18:18):
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 3 (18:29):
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.
Speaker 2 (18:39):
To be ready.
Speaker 3 (18:40):
And how do you sort fact from fiction?
Speaker 4 (18:42):
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
(19:05):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 3 (19:09):
Ladies and gentlemen, sort fact from fiction.
Speaker 4 (19:12):
We are Kelly Financial Services.
Speaker 2 (19:14):
Come retire with us, Welcome back to Safe Money Strategies.
I'm William Kelly Junior, and every week my mom Kelly
Kelly and I bring you real conversations about life, family,
and of course money.
Speaker 1 (19:29):
Thank you, William. Is always good to be here, especially
when we get to talk about what really matters to families.
Passing on financial wisdom that.
Speaker 2 (19:38):
Lasts tonight, we're diving into something very close to me
my new book, Only the Good invest Young. Growing up
around financial conversations gave me a head start and I
wanted to share some of the lessons with my own generation.
Speaker 1 (19:51):
And William, that's what makes it so unique. You're writing
from the perspective of an investor who's just starting out.
Most retirement or invest books are written at the end
of a career. Yours comes at the beginning, and that
is a refreshing thing in my mind.
Speaker 2 (20:08):
Exactly. I wanted to capture the feeling of being right
at the starting line. My peers are asking questions like
where do I even begin? How do I budget? Should
I start investing when I still have student loans or
credit card debt? My book breaks it down in plain English.
Speaker 1 (20:24):
And that matters because waiting too long costs more than
just dollars. It costs time. Time is the most valuable
resource when it comes to building wealth.
Speaker 2 (20:34):
I still remember when you showed me that saving one
hundred dollars a month early on can actually grow into
more than saving twice that amount if you wait until
ten years later. That was a light bulb moment for me.
Speaker 1 (20:44):
And that's the kind of conversation families can have at
the kitchen table. I remember one client who told us
they wish they had started earlier, but their kids, because
they grew up hearing about money, were actually saving in
their twenties. That's the kind of generational shift that changes everything.
Speaker 2 (21:02):
Absolutely. Those dinner table conversations abount money weren't just about numbers.
They were about values.
Speaker 1 (21:09):
And values stick with you longer than charts or spreadsheets.
Speaker 2 (21:13):
Right. What I really learned was that money is about patients, discipline,
and long term thinking. Those values don't just shape how
you invest, they shape how you live.
Speaker 1 (21:23):
And that's why your book is more than a guide,
is a resource that blends strategies with timeless lessons families
can pass from one generation to the next.
Speaker 2 (21:33):
That's the heart of it. My generation is facing some
serious headwinds, student loans, the high cost of housing, inflation
eating into paychecks, and the pressure of social media encouraging
us to spend money we don't have. It's easy to
feel behind before you've even started.
Speaker 1 (21:48):
Every generation has felt those pressures in different ways. Retirees
listening now will remember their own financial challenges along the
way exactly.
Speaker 2 (21:58):
And here's the thing. When I talk to my friends,
most of them say I'll start when I'm making more money,
or I'll start once I get out of debt. But
the truth is, you can't wait for the perfect moment.
Even the smallest steps matter.
Speaker 1 (22:10):
That is such an important point. People sometimes think it
takes a big paycheck or a windfall to start saving,
but consistency beats perfection every time.
Speaker 2 (22:22):
And that's the message I want to send. You don't
need to be perfect. Small steps matter. Whether it's putting
away a little savings, creating a budget, or starting to
invest modestly, those steps add up. Waiting for the perfect
time is the biggest mistake.
Speaker 1 (22:36):
And this isn't just a book for young people.
Speaker 2 (22:39):
Not at all. Parents and grandparents can use it as
a tool to start conversations. Too often families avoid talking
about money, and then wisdom gets lost. My hope is
that this book helps families bring those conversations to the table.
Speaker 1 (22:52):
And sometimes it's those very conversations that open the door.
I can't tell you how many times a client has
told me I wish I had known this earlier, and
then they turned around made sure their kids did know. Now.
Speaker 2 (23:08):
That is a gift exactly. Passing down knowledge is one
of the most valuable gifts a family can give. We've
seen that firsthand at Kelly Financial. Families who talk openly
are stronger, both financially and emotionally, and.
Speaker 1 (23:22):
The ripple effect is real. When one generation takes those steps,
it sets up the next to go even further.
Speaker 2 (23:30):
And if this book helps even one family do that,
then I'll feel like I've done something meaningful.
Speaker 1 (23:35):
William, I couldn't be more proud of the work you've
put into this, and dear listeners, I encourage you all
to be among the very first to pre order a
complimentary copy of Only the Good invest young. The first
run is coming soon and we're reserving copies now. This
is your chance to secure one for yourself or for
(23:58):
your children and grandchildren, and to place your pre order
and to schedule a consultation with our team. Call eight
eight eight eight hundred eighteen eighty one or email Kelly
at Kellyfinancial dot org.
Speaker 2 (24:12):
Don't wait. Whether you're just starting out, in mid career
or already in retirement, the sooner you take action, the
stronger your future will be.
Speaker 1 (24:20):
That's all the time we have for this part of
our segment. Stay with us. When we come back, we'll
take a closer look at the practical strategies from William's book,
from building emergency savings to avoiding common mistakes.
Speaker 2 (24:35):
You're listening to Safe Money Strategies, Stay tuned. There's more
head Safe Money Strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred and twenty
eight 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. I'm so glad you're
with us. Every Saturday night at nine pm, we bring
you real conversations about retirement, resilience and protecting the life
(00:27):
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 with clarity and confidence. You may
know us from our two decades on the AM airwaves,
and now we're thrilled to bring that same trusted voice
(00:50):
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 fiduciary advisors. Together, we
(01:11):
share practical strategies, personal stories, and a few laughs along
the way. We'll cover everything from inflation and taxes to
income planning, market trends, and how to leave a lasting legacy.
Because retirement isn't. The end of the story is the
beginning of a new one. So if you're winding down
(01:32):
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 2 (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
at financial dot org.
Speaker 1 (02:08):
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. This
is a part of the show we call Forever Young'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
(02:29):
planning for the future. Sometimes is light, sometimes is thoughtful,
but it's always real. Good evening, William, how are you.
Speaker 2 (02:37):
I'm fine, Mom. Thank you for asking. It's been a
beautiful week and we've had a lot of fun I
think that it's rare now these days that we see
the cooners. It feels like it's like we always get
so busy in our lives and current events, you know,
catches up with you know, doctor Grace and Jeff and they,
I mean, current events is their business pretty much aside
(02:59):
with you know, doctor Craze has multiple careers, but you know,
Jeff's main career is about what's going on, and obviously
it's been heavy packed lately, so it's completely understandable. But
every now and then, family events will bring us all together.
And his daughter had a wonderful birthday party at Longhorns
and we had a ball. We had such a great.
Speaker 1 (03:18):
Time we did. That was so much fun. That really
was So we have an upcoming event.
Speaker 2 (03:25):
That's true, we do.
Speaker 1 (03:26):
We're all getting excited for I know Jeff is getting
excited as well.
Speaker 2 (03:31):
That's true. And it's crazy because I can talk about
my book now freely. Every time we have discussions like
our weekly chat, I have to hold back. I can't
talk about the book at all or it's you know,
I'm scared I'm going to spoil the secret, but not anymore.
I've advertised it for two weeks now. But ladies, I know, yeah, yeah,
ladies and gentlemen, it's going to be I think it's
(03:52):
looking like I hate to say this, but maybe two
more months at most. We were hoping to get this
out on October. But obviously, ladies and gentlemen, there's a
different level of standards. Whenever you're producing a book for
financial advice. We want to make sure that I am
making the best book possible for you, that we're doing
everything right, that you know, everything is properly edited, because
(04:16):
you know, it is delicate information that can change your
life for the better. So we want to make sure
we're doing it the right way. And on top of that,
it does take some time to get it printed.
Speaker 1 (04:25):
And well, first of all, compliant.
Speaker 2 (04:28):
Approved, that's right, Yeah, I did. I didn't want to
say that without saying it.
Speaker 1 (04:31):
But compliance is quite important.
Speaker 2 (04:34):
Extremely important. Yes, gentleman, compliance is necessary. I mean if
we do not have compliance, people could do some very
bad things, especially in the financial services industry. So it's
a good thing.
Speaker 1 (04:45):
Yes.
Speaker 2 (04:45):
The only downside is that it's going to take some
more time. But the upside is that it's gonna you know,
it protects you guys. At the end of the day,
which I prefer, So it's gonna it'll.
Speaker 1 (04:55):
Want before before William.
Speaker 2 (04:57):
Yes, Math, it'll be here before Christmas. I thought you
were going to say, which is true. It will be
here before Christmas. Oh, yes, that's the probably more important.
But obviously me being me, I'm itching for it to
come as soon as Paul.
Speaker 1 (05:08):
But you know what, we we're taking pre orders, so
that is true. It will be sending them out.
Speaker 2 (05:14):
I don't want you guys to feel like it's never
going to come out. That's my fear. I want you
guys to know that this is very important to me,
to make sure that you guys get it and to
keep you guys, you know, obviously focused on on receiving
this book. I don't want this to be like hype
and then what you guys do.
Speaker 1 (05:30):
But you'll be able to talk about it some at
our event in October fifteenth, that's right, Jeff at the
iHeart Media Location Studios. Yes, crazy, Yes, it'll be from
four to six on a Wednesday afternoon. We'll have food,
we'll have drink, we'll have.
Speaker 2 (05:48):
Prizes, prizes, yes me prizes.
Speaker 1 (05:52):
Yes, we will see behind the scenes. That's cool, behind
the scene things that happen.
Speaker 2 (05:58):
You guys are going to see this studio. You're going
to see where Jeff Coooner works, where the magic happens.
My heart, it's a legit location, ladies and.
Speaker 1 (06:07):
Joe I speak.
Speaker 2 (06:09):
Yeah, I've been there before for representing our sponsorship at
the dav event, and I have to tell you, ladies
and gentlemen, it is a high tech building and it
is so nice. Yeah, we're extremely grateful for them letting
us have this event here, for them inviting us. I'm
so excited for everybody to see it. I'm so excited
(06:30):
for you. Guys are going to love it. It's really beautiful.
It's cool. So we invite you please come. It's going
to be October fifteenth, right.
Speaker 1 (06:38):
You have to register. It's a smaller event, yes, so
for some yes, limited tickets for this. Yes, So you
just you need to call our eight hundred number.
Speaker 2 (06:50):
And then eighty eight eight hundred and one, Ladies and gentlemen.
Been saying that number since I was probably four years old.
Speaker 1 (06:57):
Yeah, I know, I know you learned that at an early.
Speaker 2 (07:00):
No, we're lucky we have a good eight hundred number.
I know you can always get a good one, you know.
I mean you have like certain people like lawyers will
have certain catchphrases in it, but no, it's just eighty
eight eight hundred one eight eight one. It just rolls
off the tongue. So please, ladies and gentlemen, recite that
in public, very loud as loud as possible, and do
some marketing for us. We appreciate it.
Speaker 1 (07:23):
So obviously no one can see you right now, but
I have to say, William has got on the greatest
T shirt to reach out. Sure, that's right, and I
have one as well that you gave me. Yes, mate,
Mary Madlin wants one?
Speaker 2 (07:37):
Does she? Yes?
Speaker 1 (07:38):
Last weekend on Sunday, She's like, where did you get that?
Speaker 2 (07:41):
Oh? My god? Like William Well, ladies and gentlemen, to
support Turning Point USA, go to the Charliekirkshow dot com
I think, or just type in Google the Charlie Kirkshow
apparel and they show Charlie Kirk's actual freedom Turning Point
USA white shirt that he wore when he passed away.
But days after he passed away after his assassination, I
(08:04):
immediately went on Amazon and made custom shirts that mimic
the same shirt because I wanted to wear it in
public because I wanted to make a statement that this
is what's important to me, and this, you know, Charlie
Kirk died for us to be able to express ourselves,
for us to be able to have a public discourse
(08:26):
with one another. And I know, ladies and gentlemen, you've
heard that a million times. Everybody's already said it. But
I have to say, this isn't a trend. It's not
a fad. And unfortunately you do have to look at
political events like that sometimes because then there's a horrible
event and then people move on. I mean, when was
the last time we talked about the healthcare CEO at
United or not?
Speaker 3 (08:45):
Yeah?
Speaker 2 (08:45):
I was United. I mean people had mixed opinions about that.
Some people said, well he was a greedy CEO, and
others say, well he was a husband and a father
and he's not directly responsible for everything, you know what
I mean. So, and also violence is never the answer,
no matter whatever. But then we move on from that
and we go to the next extreme event. Ladies and gentlemen,
(09:06):
I think sometimes we forget that there is an industry
in fear mongering, and there's an industry in you continuing
to watch the news, So, ladies and gentlemen, I think,
Charlie Kirk, this isn't fear mongering. In fact, he would
want people to celebrate his life. He want us to
keep going on strong and not to cower. And I
(09:29):
think it's different because he was such a good man,
such a good Christian man, that people really revered him,
people who really knew him, and then the truth of him,
like his words, all of a sudden became more special
after he died. Watching his video, seeing his message, it's
incredible the effect he has had. I think it's part
(09:52):
of God's plan. I think that unfortunately it's tragic, but
I think it does make sense because he's a martyr,
and look at the asive movement. He's achieve his goal
essentially through dying. As horrible as that is, ladies and gentlemen,
I know it's bad, but if you look at it,
he's accomplished so much in his assassination. His wife is
so strong, very beautiful, and very moving. At his funeral
(10:17):
service or memorial service, she forgave the shooter and an
act of Christ's likeness is the only way I can
explain it. I mean, how do you do that? Ladies?
And gentlemen, that takes a lot of strength to be
able to genuinely forgive the man who killed the person
that you loved. I think, I just but that makes
(10:39):
you sit and think, would I have the ability to
do that? Right? It takes a lot, because I mean,
after Charlie Kirk was assassinated, I would say that a
lot of conservatives became angry. Some of them felt like, oh,
we need to take up arms and we need to
fight back physically. But then all of a sudden we
kind of realized, no, that's not the way to go.
That's the opposite of what Charlie would want. But anyways,
(11:01):
I want to conclude this by saying, the numbers at
his funeral service were larger than John F. Kennedy's and
Martin Luther King's funeral.
Speaker 1 (11:10):
Wow.
Speaker 2 (11:10):
Yeah, more people attended Charlie Kirk's funeral than jfk or
Martin Luther King's funeral.
Speaker 1 (11:16):
Incredible truly.
Speaker 2 (11:18):
So if that doesn't say anything, I don't know what does.
Speaker 1 (11:21):
Wow?
Speaker 4 (11:22):
Wow?
Speaker 1 (11:22):
Say Amen William, thank you Amen to that. Yeah. Yeah,
do keep us on your dial. We've got a lot
of great content coming your way. Mike do Set and
Greg Workman will take a closer look at why healthcare
and medicare planning is one of the most overlooked, yet
most critical parts of retirement. Mary, Madeline Kelly and Greg
(11:44):
Murray will be breaking down how tariffs and global trade
policies can ripple through your portfolio and affect every day spending.
I will be back with William and we will take
a closer look at his new book, Only the Good
invest Young. We will discuss why financial discipline matters and
how this book is sparking conversations across generations. And of
(12:07):
course we'll close the hour with some wit and wisdom
from the late Bill Kelly. His words continue to inspire
and guide us. That's a wrap for forever, Young. Thank
you for listening, William, thank you for joining me. We'll
be back with more content. I love you, Honey, I
love you too.
Speaker 2 (12:23):
Mom. Call us today at eight eight hundred and twenty
eighty one or visit us online at Kellyfinancial dot org
to schedule your complimentary retirement income analysis.
Speaker 1 (12:37):
I'm Kelly Kelly from Kelly Financial. Whether you're in your forties, fifties,
or sixties, financial advice is important when it comes to
preserving your nest egg. We have a free investor guide
called designing your Fiscal House to Weather the Elements, which
highlights the steps needed to build a balanced portfolio. For
the guide, call eight eight eight eight hundred eighteen eighty
(13:00):
one or email Kelly at Kellyfinancial dot org. We're Kelly Financial.
Come retire with us.
Speaker 5 (13:11):
Hello, I'll mike you, said, Chief Operating officer at Kelly
Financial Services. You are listening to Kelly Financial, safe money strategies,
where we believe your financial future should be built on
wisdom not anxiety. Tonight I am joined by one of
the trusted investment advisors on our team, Greg Workman.
Speaker 2 (13:28):
Good evening.
Speaker 6 (13:29):
We're here every week to help you make smarter, safer
financial choices without the confusing industry jargon and without the stress.
Speaker 5 (13:39):
Kelly Financial Services is a fiduciary that serves over seventeen
hundred clients in the New England area and beyond. Our
recommendations are grounded in a personalized written financial plan that
almost every client has on file. The planning process provides
our clients with peace of mind knowing that they are
going to be okay.
Speaker 6 (13:58):
A financial plan is important because it acts as a
strategic roadmap for your finances, providing a clear pathway to
achieve your goals and financial security. It gives you control
and confidence over your money by outlining your current financial situation,
defining future objectives, and outlines exactly how to achieve them.
Speaker 5 (14:18):
We're dedicating tonight's show to a topic that is possibly
the most overlooked parts of retirement planning, medicare and health
insurance planning. Here are six reasons why it matters so
much for retirees and those approaching retirement. Number one, healthcare
is one of the largest expenses we face in retirement.
(14:38):
One study estimates the average sixty five year old couple
may spend three hundred thousand or more on healthcare in retirement.
Number two, Medicare is not free and it does not
cover everything. Look no further than dental, vision, hearing, AIDS,
or long term care. Number three, Enrollment decisions are time sensitive.
(15:00):
Missing deadlines can lead to very costly lifetime penalties.
Speaker 6 (15:03):
Health coverage before Medicare is critical. Many people retire before
age sixty five, and they lose the safety and security
of an employer sponsored health plan. Healthcare costs are tied
to income and retirement Medicare premiums can and do increase
with higher income levels. Coordinating withdrawals from iras, roth accounts,
(15:25):
and social Security can help you manage taxes and reduce
Medicare costs. And the final point, Medicare and health insurance planning,
when done correctly, can protect your retirement income and your legacy.
Without the proper planning, high medical expenses or a long
term care event can quickly drain your retirement savings.
Speaker 5 (15:46):
We find that today's retirees forair both the financial side
that would be money lasting long enough, rising costs of
healthcare and runaway inflation, and the emotional side of retirement age,
their purpose, independence, lifestyle, and quality of life. That's why
comprehensive retirement planning is more than just numbers. It's all
about peace of mind.
Speaker 6 (16:05):
Financial planning provides clarity and direction by helping you assess
your current financial situation, set and prioritize your long and
short term goals, and develop a tailored strategy to achieve them.
Speaker 5 (16:18):
We've been helping individuals identify, organize, and prioritize their financial goals,
creating a clear path to achieve them for a long
time now, and the two biggest fares haven't changed.
Speaker 2 (16:31):
Greg what are those two fares?
Speaker 6 (16:33):
First and foremost, the fear of outliving their money. Longevity
risk is consistently the number one fear in retirement surveys,
And second, the unpredictability of medical and healthcare costs, including
long term care, which is a huge concern since Medicare
does not cover most, if not all, of a long
(16:55):
term care event and its related expenses.
Speaker 5 (16:58):
It is so important for today's financial advisors to build
strategic relationships with estate planning attorneys CPAs, and health insurance
and medicare specialists. Why all the pieces of your financial
life are interconnected. Money decisions rarely exist in a vacuum.
Speaker 6 (17:13):
A well coordinated team of specialists directly impacts whether someone's
retirement plan succeeds. Without coordination, a client could overpay taxes,
face probate delays, or have major gaps in their healthcare coverage.
Speaker 5 (17:28):
When we return from a brief break, will introduce you
to a Medicare and individual health insurance expert that has
over fifteen years of experience helping his clients navigate the
complex landscape of healthcare planning in pre and post retirement.
Speaker 1 (17:47):
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 putting you first.
For the book, call eight eight eight eight hundred and
(18:09):
eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.
Speaker 4 (18:18):
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 3 (18:29):
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.
Speaker 2 (18:39):
To be ready.
Speaker 3 (18:40):
And how do you sort fact from fiction?
Speaker 4 (18:42):
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
(19:05):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 3 (19:09):
Ladies and gentlemen, sort fact from fiction.
Speaker 4 (19:12):
We are Kelly Financial Services.
Speaker 2 (19:14):
Come retire with us, Welcome back to Safe Money Strategies.
I'm William Kelly Junior, and every week my mom Kelly
Kelly and I bring you real conversations about life, family,
and of course money.
Speaker 1 (19:29):
Thank you, William. Is always good to be here, especially
when we get to talk about what really matters to families.
Passing on financial wisdom that.
Speaker 2 (19:38):
Lasts tonight, we're diving into something very close to me
my new book, Only the Good invest Young. Growing up
around financial conversations gave me a head start and I
wanted to share some of the lessons with my own generation.
Speaker 1 (19:51):
And William, that's what makes it so unique. You're writing
from the perspective of an investor who's just starting out.
Most retirement or invest books are written at the end
of a career. Yours comes at the beginning, and that
is a refreshing thing in my mind.
Speaker 2 (20:08):
Exactly. I wanted to capture the feeling of being right
at the starting line. My peers are asking questions like
where do I even begin? How do I budget? Should
I start investing when I still have student loans or
credit card debt? My book breaks it down in plain English.
Speaker 1 (20:24):
And that matters because waiting too long costs more than
just dollars. It costs time. Time is the most valuable
resource when it comes to building wealth.
Speaker 2 (20:34):
I still remember when you showed me that saving one
hundred dollars a month early on can actually grow into
more than saving twice that amount if you wait until
ten years later. That was a light bulb moment for me.
Speaker 1 (20:44):
And that's the kind of conversation families can have at
the kitchen table. I remember one client who told us
they wish they had started earlier, but their kids, because
they grew up hearing about money, were actually saving in
their twenties. That's the kind of generational shift that changes everything.
Speaker 2 (21:02):
Absolutely. Those dinner table conversations abount money weren't just about numbers.
They were about values.
Speaker 1 (21:09):
And values stick with you longer than charts or spreadsheets.
Speaker 2 (21:13):
Right. What I really learned was that money is about patients, discipline,
and long term thinking. Those values don't just shape how
you invest, they shape how you live.
Speaker 1 (21:23):
And that's why your book is more than a guide,
is a resource that blends strategies with timeless lessons families
can pass from one generation to the next.
Speaker 2 (21:33):
That's the heart of it. My generation is facing some
serious headwinds, student loans, the high cost of housing, inflation
eating into paychecks, and the pressure of social media encouraging
us to spend money we don't have. It's easy to
feel behind before you've even started.
Speaker 1 (21:48):
Every generation has felt those pressures in different ways. Retirees
listening now will remember their own financial challenges along the
way exactly.
Speaker 2 (21:58):
And here's the thing. When I talk to my friends,
most of them say I'll start when I'm making more money,
or I'll start once I get out of debt. But
the truth is, you can't wait for the perfect moment.
Even the smallest steps matter.
Speaker 1 (22:10):
That is such an important point. People sometimes think it
takes a big paycheck or a windfall to start saving,
but consistency beats perfection every time.
Speaker 2 (22:22):
And that's the message I want to send. You don't
need to be perfect. Small steps matter. Whether it's putting
away a little savings, creating a budget, or starting to
invest modestly, those steps add up. Waiting for the perfect
time is the biggest mistake.
Speaker 1 (22:36):
And this isn't just a book for young people.
Speaker 2 (22:39):
Not at all. Parents and grandparents can use it as
a tool to start conversations. Too often families avoid talking
about money, and then wisdom gets lost. My hope is
that this book helps families bring those conversations to the table.
Speaker 1 (22:52):
And sometimes it's those very conversations that open the door.
I can't tell you how many times a client has
told me I wish I had known this earlier, and
then they turned around made sure their kids did know. Now.
Speaker 2 (23:08):
That is a gift exactly. Passing down knowledge is one
of the most valuable gifts a family can give. We've
seen that firsthand at Kelly Financial. Families who talk openly
are stronger, both financially and emotionally, and.
Speaker 1 (23:22):
The ripple effect is real. When one generation takes those steps,
it sets up the next to go even further.
Speaker 2 (23:30):
And if this book helps even one family do that,
then I'll feel like I've done something meaningful.
Speaker 1 (23:35):
William, I couldn't be more proud of the work you've
put into this, and dear listeners, I encourage you all
to be among the very first to pre order a
complimentary copy of Only the Good invest young. The first
run is coming soon and we're reserving copies now. This
is your chance to secure one for yourself or for
(23:58):
your children and grandchildren, and to place your pre order
and to schedule a consultation with our team. Call eight
eight eight eight hundred eighteen eighty one or email Kelly
at Kellyfinancial dot org.
Speaker 2 (24:12):
Don't wait. Whether you're just starting out, in mid career
or already in retirement, the sooner you take action, the
stronger your future will be.
Speaker 1 (24:20):
That's all the time we have for this part of
our segment. Stay with us. When we come back, we'll
take a closer look at the practical strategies from William's book,
from building emergency savings to avoiding common mistakes.
Speaker 2 (24:35):
You're listening to Safe Money Strategies, Stay tuned. There's more
head Safe Money Strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred and twenty
eight one or go to Kelly Financial dot org. That's
Kelly at Kelly Financial dot org.
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