July 19, 2025 • 27 mins
In this week’s Safe Money Strategies, Kelly and William kick off the hour with a fun family story about Georgia, their spirited Cairn Terrier, and her journey to becoming a step-tracking social media star. Then it’s all business with smart summer spending strategies, practical guidance for managing seasonal costs, and simple steps to help set meaningful financial goals.Their team of advisors offers a straightforward breakdown of diversification: how it works, why it matters, and how to use it to build long-term financial resilience. You’ll also hear about the One Big Beautiful Bill and what it means for your portfolio. Plus, Bill Kelly’s timeless wit returns with a vivid story from his childhood, reminding us what truly matters in life and legacy. Make Safe Money Strategies part of your Saturday night tradition. Have questions or want to schedule a complimentary consultation? Call 888-800-1881 or email kelly@kellyfinancial.org
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Episode Transcript
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Speaker 1 (00:00):
Discover safe money strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one to
eighty one, or visit Kellyfinancial dot org.
Speaker 2 (00:16):
Good evening, This is Greg Murray, senior vice president and
chief Compliance Officer at Kelly Financial Services. Joining me today
is Mary Madeline Kelly, one of our wealth advisors. How
are you doing today.
Speaker 3 (00:26):
Good evening, Greg, I am doing well. Thank you for asking.
I must have jinxed the weather last week because now
we're back to our rainy weekend streak. I do take
full responsibility for this.
Speaker 2 (00:37):
How dare you? Mary Madeline? But in all seriousness, I'm
not mad about the cooler weather and rain we got.
It was insanely hot for a little while and my
grass really needed the water.
Speaker 3 (00:46):
It's definitely put a damper on my half marathon training,
but hey, I'll take running in the rain over ninety
plus degrees any day. Anyways, Tonight we are talking about
something that's officially no longer in the works. The Big
Beautiful Bill has been signed into law.
Speaker 2 (01:02):
That's right. Signed on July fourth, the One Big Beautiful
Bill Act is now law. It's one of the largest
fiscal policy packages in over a decade. Touching taxes, retirement
is state planning, and federal assistance programs. Some of the
changes benefit investors in retirees, while others come with trade offs,
especially for families relying on government support.
Speaker 3 (01:21):
Let's start with the good news. One of the biggest
positives is the extension of the lower income tax rates
and the larger standard deduction that were first introduced in
twenty seventeen. For many households, that means lower tax bills
for at least a few more years.
Speaker 2 (01:36):
That's a big deal if you're retired or nearing retirement.
It gives you a chance to take with drawals from
retirement accounts at a lower rate, helping your money last longer.
Speaker 3 (01:44):
Another update is the higher Salt Deduction, also known as
the State and Local taxes. The cap was raised from
ten thousand dollars to forty thousand dollars. That's major for
people in high tax states like Massachusetts.
Speaker 2 (01:56):
And for families thinking ahead. The federal estate tax exemption
was extended to roughly fifteen million dollars per person, giving
more room to pass on wealth without triggering taxes.
Speaker 3 (02:05):
There's also a new benefit for service workers twenty five
thousand dollars of tips can now be deducted on your taxes.
That's right, If you earn tips, you're getting a tax
break at the federal level.
Speaker 2 (02:17):
That's a huge win for folks in restaurants, hospitalities, salons,
and anyone who earns tips as part of their income.
It means more money in your.
Speaker 3 (02:24):
Pocket, and that extra money isn't just for spending. It
could be invested, used to build an emergency fund or
payoff debt. For younger workers especially, this could be the
nudge to start saving early, maybe even open or roth IRA,
or even just increase monthly contributions.
Speaker 2 (02:40):
Even fifty to one hundred dollars a month can really
add up over the years if you invest it wisely.
This small change could have big long term results for
those willing to take advantage.
Speaker 3 (02:48):
But not everything in the bill is a win. There
are still some significant trade offs, especially when it comes
to federal assistant programs like Medicaid and SNAP.
Speaker 2 (02:57):
For the first time in decades, the government will require
many recipients to work at least eighty hours per month
about twenty hours a week to qualify. These rules apply
mainly to able bodied adults ages nineteen to fifty five
without dependence or disabilities.
Speaker 3 (03:11):
That's a tough shift. People between jobs, caregiving, or dealing
with health concerns might find it harder to keep their benefits. Plus,
the bill cuts funding to those programs, which can mean
fewer services in longer wait times, especially in rural or
low income communities.
Speaker 2 (03:26):
There was also some confusion recently about Social Security. Emails
were going around claiming benefits would be tax free, but
that's not true right.
Speaker 3 (03:34):
What the bill actually introduced is a temporary deduction six
thousand dollars for individuals and twelve thousand dollars for couples
over sixty five, but only if your income is under
seventy five thousand single or one hundred and fifty thousand
dollars for those who are married. Most retirees will still
pay taxes on their Social Security.
Speaker 2 (03:54):
So what does this mean for investors in retirees? If
you're retired, these tax changes may give you more more
flexibility and how and when you take what draws, allowing
you to preserve more over time.
Speaker 3 (04:05):
If you're still working, now is a great time to
maximize your contributions, whether that's a four oh one k
IRA or even a health savings account and with more
cash flow thanks to the salt changes or tax free tips,
you might have to put more towards savings or debt reduction.
Speaker 2 (04:22):
And for those who haven't started estate planning, this could
be the perfect window. With the higher exemption, you can
give assets or set up trust with more flexibility.
Speaker 3 (04:30):
Just remember these are tools, not guarantees. You still need
a personalized strategy to use them effectively. No matter your age,
the choices you make today can impact your financial future
in a big way, and of.
Speaker 2 (04:42):
Course, future laws could reverse some of this, so it's
smart to check in with a professional and make sure
your plan fits both today's landscape and tomorrow's uncertainty.
Speaker 3 (04:50):
Well, that wraps up our segment on the Big Beautiful Bill.
Thank you for joining us tonight on WBZ. We love
being a part of your evening routine.
Speaker 2 (04:58):
And we'll see you next week when more time timely
updates and financial planning insights.
Speaker 3 (05:02):
Take care, have a great weekend.
Speaker 1 (05:08):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 4 (05:21):
Ready to enjoy your golden years, without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation called eight eight eight eight hundred eighteen
(05:43):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.
Speaker 1 (05:56):
And we're back. William Kelly Junior here and I'm sitting
once again with my favorite co host who also happens
to be my mom and the fearless financial leader of
Kelly Financial Services, Kelly Kelly.
Speaker 5 (06:08):
Isn't it wonderful? William?
Speaker 6 (06:10):
It's always great to spend time with you and connect
with our listeners on.
Speaker 5 (06:14):
This Saturday evening.
Speaker 6 (06:16):
For those just joining us, Welcome to Safe Money Strategies
on WBZ. I'm Kelly Kelly and at Kelly Financial Services,
we help families retire with confidence. We've been doing this
for twenty two years and yes it's a family affair.
Speaker 1 (06:35):
It sure is. And earlier on the show, we talked
about how summer can be the perfect time to revisit
your budget set realistic spending goals and stay on track
without giving up the things you enjoy.
Speaker 6 (06:45):
That's right, And now we're shifting to what we call
retirement catchup, not the red stuff in your fridge, but
the real strategies to boost your savings and secure your future.
Speaker 1 (06:58):
I like that dive in. When we talk about retirement
income planning, where should people begin?
Speaker 6 (07:04):
The first step is identifying income streams that include Social
Security pensions, rental income, part time work or withdrawals from
iras or for a one.
Speaker 1 (07:17):
Kse and summer can shift the equation a little, right,
I mean people tend to spend more during this time.
Speaker 5 (07:22):
Of the year exactly.
Speaker 6 (07:24):
Summer often brings travel, family visits, higher utility bills.
Speaker 5 (07:30):
So if your.
Speaker 6 (07:30):
Expenses spike, you may just need to temporarily adjust withdrawals
or reduce spending in other areas.
Speaker 1 (07:38):
And if someone's income feels tight, what are some options?
Speaker 6 (07:41):
Seasonal or part time work can be a great solution.
It keeps people active, ads income, and even offers a
little social connection, which is very important in retirement.
Speaker 1 (07:54):
Let's talk about social security for a moment. Are there
summer related surprises people should watch out for?
Speaker 6 (08:00):
Yes, especially for folks working while collecting benefits. If they
go over the earnings limit, they could see a temporary
reduction in benefits. It's always a good idea to track
that carefully.
Speaker 1 (08:13):
And for people who haven't claimed benefits yet.
Speaker 6 (08:16):
Waiting even a year can boost your monthly check for life.
So if you don't need it yet, holding off pays off.
Speaker 1 (08:24):
Let's talk taxes. What kind of tax issues sneak up
during the summer months.
Speaker 6 (08:28):
Extra income, whether it's from side work, rental income, or
even selling collectibles can trigger an unexpected tax bill. That's
where midyear planning really makes a difference.
Speaker 1 (08:43):
So what's your advice?
Speaker 6 (08:44):
Work with a tax professional or fiduciary advisor like someone
on our team at Kelly Financial. We help folks track deductions,
adjust with holdings, and make smart tax decisions now, not
in a panic later.
Speaker 1 (08:59):
Okay, I want to go back to what you call
a mid year checkup. Why is July at the perfect
time for that.
Speaker 6 (09:05):
Because we're halfway through the year. People now have actual
numbers to work with, not just estimates. They can review spending,
income and investment performance and adjust as needed.
Speaker 1 (09:18):
And during those reviews, what do Kelly advisors look for?
Speaker 6 (09:21):
We help identify gaps, reduce risk, and find missed opportunities
like an overlooked required minimum distribution or a chance to
convert a traditional ira to a wroth while taxes are lower.
Speaker 1 (09:37):
Let's shift to something. I know you've talked a lot
about catch up contributions. Can you break it down?
Speaker 5 (09:42):
Sure?
Speaker 6 (09:43):
If you are fifty or older, the IRIS gives you
a break. You can contribute extra to your four oh
one K or ira in twenty twenty five, an additional
seven five hundred dollars on top of the regular four
to zero one K limit, and for iras, the ketchup
for iras is one thousand dollars extra, and it applies
(10:08):
whether you're working full time or part time. Is one
of the easiest ways to supercharge retirement savings late in
the game, and.
Speaker 1 (10:16):
If someone's already retired, they.
Speaker 6 (10:18):
Can still invest wisely. Even small windfalls like a tax
refund or selling unused items can be used to boost
savings or fund a wroth ira, depending on eligibility.
Speaker 3 (10:34):
I like that.
Speaker 1 (10:35):
And you always say every dollar safe today equals what
future freedom.
Speaker 6 (10:40):
And that's why tracking progress monthly and celebrating small wins matters.
Speaker 5 (10:47):
It keeps people motivated.
Speaker 1 (10:49):
So let's bring this back to summer. What's one move
listeners can make.
Speaker 6 (10:52):
This month call us for a midyear financial review. Summer
is a great time to reassess your goal, rebalance your investments,
and make sure your retirement roadmap still fits your life.
Speaker 1 (11:06):
Even if someone feels like they're doing okay.
Speaker 6 (11:09):
Even more reason to check in. We've helped clients uncover
hidden risk or opportunities they didn't know were there. Retirement
is too important just to guess, and if.
Speaker 1 (11:20):
The listener's plans have changed.
Speaker 6 (11:22):
Then it's the perfect time to revisit the plan. Whether
you're moving, downsizing, helping adult children, or just reassessing your priorities.
We can help make sure the numbers still work.
Speaker 1 (11:35):
So what free guide are we offering this week?
Speaker 6 (11:37):
It's one of my favorites, your retirement income planning checklist.
It covers taxes, social Security, and includes key questions to
ask so you're not leaving money on the table.
Speaker 1 (11:51):
To request the guide or book a complimentary appointment, just
call eighty eight eight hundred twenty eight one or email
us at Kelly Financial dot com.
Speaker 6 (12:00):
No matter the season, is always a good time for
our financial tune up.
Speaker 1 (12:04):
Thanks for being with us. I'm William Kelly Junior, and
this is Safe Money Strategies heard right here on WBZ
and streaming live on the iHeart app. Safe Money Strategies
with Kelly Kelly and her team. Call Kelly Financial at
eighty eight eight hundred and one or go to Kelly
Financial dot org. That's Kelly at Kelly Financial dot org.
Speaker 4 (12:30):
I'm John Boudris, and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 7 (12:41):
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 (12:54):
Download Kelly Financial's consumer guide simply called the Value of
an Objective Opinion. With so much at steak with your
retirement future, you don't just want any financial advice, but
objective financial advice. And as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org
(13:17):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 7 (13:21):
Ladies and gentlemen sort fact from fiction.
Speaker 4 (13:24):
We are Kelly Financial Services. Come retire with us.
Speaker 3 (13:32):
We're back.
Speaker 8 (13:33):
You're listening to Kelly Financial Safe Money Strategies on Mike.
You sat chief operating officer at Kelly Financial Services, and
I'm joined by one of the trusted advisors on our staff,
Greg Workman. Our goal on this and every radio broadcast
is to help you make smart decisions with your money.
Prior to the break, we discussed the interesting dynamic that
(13:53):
occurred when the two thousand through two thousand and two
market crash hit the stock market. The S and P
five hundred went down, but small cap value in real
estate investment trusts were actually positive.
Speaker 9 (14:04):
So why did small cap value and rets outperform during
a time when the market was tanking. Let's start with
small cap value. Small cap value stocks were underpriced and
out of favor in the nineties because investors were largely
chasing the outsized returns from dot com stocks and they
(14:24):
ignored traditional low growth companies, which means small cap value
and others were left behind in the dust and tumbleweeds.
When the bottom fell out, investors sought that safe haven.
Small cap value became that sanctuary when those storm clouds rolled.
Speaker 8 (14:42):
In a similar story with rets real estate investment trusts,
they owned physical property apartments, offices, malls, etc. And generate
income from rents. They often pay high dividends to attract investors.
In two thousand and one through two thousand and two,
the bottom fell out from growth in it was a
falling interest rate environment. The FED had cut rates aggressively
(15:03):
in two thousand and one two thousand and two, which
made reads not only a safe haven but an investment
with more attractive yields when compared to bonds, a win
win for income investors.
Speaker 9 (15:14):
The two thousand and eight stock market crash told a
similar story. Stocks tanked, but long term government bonds rose
almost twenty six percent. That kind of counterbalance is what
smart diversification can do for you. But over the long haul, bonds,
especially treasury bills, have lost money in most of the
(15:36):
past ninety one years.
Speaker 8 (15:38):
Bonds can be helpful for short term stability, but for
long term growth you need equities like small cap value stocks,
which can be voluid or short term but rewarding overtime.
Speaker 9 (15:47):
If you're a do it yourself investor, diversification does not
need to be complicated or expensive. With just a few
low cost exchange traded funds or mutual funds, you can
build a diversified portfolio that spreads risk across sector sizes, geographies,
and asset classes.
Speaker 8 (16:07):
Diversification it reduces risk, smooths out volatility when times get tough,
improves your long term returns, and protects against the unknown.
Speaker 9 (16:16):
And when it comes to that stock market, there are
many unknowns.
Speaker 8 (16:20):
Greg, you have mentioned some steps that a DIY investor
could take to diversify that portfolio if the do it
yourself approach isn't for you. At Kelly Financial, we have
worked very hard to refine our investment process and our
approach to portfolio construction and management.
Speaker 9 (16:37):
Our process starts with a long term strategy the risk
reward relationship. Want to take a conservative approach that moves
up and down with just a small fraction of the
S and P five hundred, Then we might target a
low risk strategy like a portfolio made up of thirty
percent stocks and seventy percent bonds that will a smooth
(17:01):
ride during uncertain times like these.
Speaker 8 (17:04):
So the first step in our process is of utmost importance.
Identify and start with a long term strategy.
Speaker 9 (17:11):
Next, we adapt to changing market conditions by employing tactical
asset allocation that seeks opportunities or downside protection based on
our short term and medium investment views of the stock market.
Speaker 8 (17:25):
No two days are the same. That disciplined approach is
the pathway that helps us stay on course towards your objectives.
It's key to providing clients with investment returns that meet
or beat the long term rates of return we've identified.
Speaker 9 (17:39):
Once we have that portfolio in place, we do everything
in our power to help protect the portfolio, because when
you're investing, it's not just about upside, it's about downside
protection when the market moves against us. We have tools
and procedures in place to measure and monitor portfolio risk
(17:59):
on a daily basis.
Speaker 8 (18:01):
Your most precious resource is probably time. If you're retired,
you may not want to risk making a costly investment
mistake with your retirement dollars when you don't have the
same time you once had for your money to recover.
Speaker 9 (18:14):
Or you may not want to take the time to
diy this stuff we're talking about today. We are here
to help call our team and set up your complementary
no obligation consultation by calling eight eight eight eight hundred
eighteen eighty one again. Our number is triple eight eight
(18:36):
hundred eighteen eighty one.
Speaker 8 (18:38):
At Kelly Financial, we help hardworking people make smart, confident
decisions with their money.
Speaker 9 (18:44):
In case you missed it a moment ago, grab a
pen or make a memo on your smartphone with our
phone number eight eight eight eight hundred eighteen eighty one.
We love meeting our listeners and we look forward to
speaking with you again. That number is true eight hundred
eighteen eighty one.
Speaker 8 (19:03):
Well, that wraps up another installment of safe money strategies.
Summers when memories are made, laughter echoes late, and family
feels closest on the warmth of the sun.
Speaker 9 (19:13):
Well said Mike. We hope your summer is off to
a great start, and we thank you for joining us
today Until next week. I'm Greg Workman.
Speaker 8 (19:22):
And I Mike, you said, join us next week for
more safe money strategies.
Speaker 6 (19:27):
I'm Kelly Kelly from Kelly Financial. Retirement is a time
to enjoy the fruits of your labor, but is also
a period when financial stability becomes more critical than ever,
so seeking expert financial advice is essential regardless of your age.
Professional guidance insureds your assets are allocated wisely, helping your
(19:49):
money last as long as you need it. The advisors
at Kelly Financial will help you take charge of your
financial future and preserve your hard earned wealth to enable
you to voc on the retirement you've dreamed of. We
have a free investor guide called designing your Fiscal House
to Weather the Elements, which highlights the steps needed to
(20:10):
build a balanced portfolio. For the guide and a free
consultation with a Kelly advisor, call eight eight eight eight
hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.
Speaker 5 (20:23):
We're Kelly Financial. Come retire with us.
Speaker 1 (20:27):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one to
eighty one or visit Kelly Financial dot org.
Speaker 6 (20:38):
Before we say goodnight, I want to share a voice
that holds deep meaning for me and for our team
at Kelly Financial, along with many of our longtime listeners
who've heard him on the amair waves for years, You're
about to hear a timeless message from Bill Kelly, our
co founder and a guiding voice for so many of
(20:59):
our clients over the years. In this clip, Bill reflects
on childhood memories, family moments, and the kind of down
to earth wisdom that really.
Speaker 5 (21:09):
Stays with you.
Speaker 6 (21:11):
It's heartfelt, is simple, and is a reminder of what
truly matters. I hope his words bring a smile and
maybe even stir up a few memories of your own.
Speaker 7 (21:23):
So what was summer like on the farm, ladies and gentlemen, Well,
we had a chicken farm school let out sometime near
the end of June June eighteenth. In a good year,
if we had a lot of snow, then we're in
the June twentieth phase and we'd be in the classroom
wondering when are we going to get out of school? Now.
I adored my teachers. I mean I had a crush
(21:45):
on my fourth grade teacher, missus Leeb. So the school
was a great experience. You could have a transistor radio,
ladies and gentlemen, for ninety nine cents, could you believe it?
A dollar ninety nine at Woolworths. And the nine volte
battery cents if you got a terrible one, they were
forty nine cents for a real good. Ever, ready, you
(22:07):
take that transistor radio, you plug that ear plug in
and then you would put it onto Back then, it
was radio seven nine zero that carried the Red Sox.
You'd put it to seventy nine zero, and then you
put some scotch tape on the little wheel so it
wouldn't move. You put the transistor in your pocket, You
run the ear plug up through your sleeve, and then
(22:28):
you could sit at your desk. It would look like
you're resting your head on your elbow and you're writing
with your pencil, but you're listening to the Red Sox.
But you had to watch the teacher's lips because when
she pointed to you, you could say, could you please
repeat the question, and then you'd lift up your head.
The earphone would be in your hand. Because back then,
the Red Sox used to have weekday games during the day.
(22:51):
So that's sort of what life was like as we
moved into summer. Now. I used to help my grandfather
in the mornings with the chickens. Asked me how when
I was five and six years old, because he would
be carrying ten gallon buckets of water in both hands
and then he would feed them. There was over a
thousand chickens. But you know, my job was to help Grant,
(23:12):
and I don't know how much help I gave him.
But every morning, after we ate breakfast, we'd walk down
to the chicken coops. So now, one day my mother
came home, she worked at the phone company one day,
and I was covered in red blotches. They thought I
had the mumps, so she ran me into doctor Beistoso downtown.
Now doctor Beistozo, believe it or not, he would smoke
(23:35):
Paul Mall cigarettes. She'd come in for your check up
and there'd be doctor Mistozo with a Paul Mall hanging
off his lip, and you have the stethoscope on your chest.
He'd be going breathe, you know, breathe, and here's the
guy with the Paul Mall. So anyway, he's the best
doctor on the face of the planet. Everyone lived in
their nineties, every kind of operation, whatever it took. But
(23:58):
I had to go to doctor Pistoso because I had
these red blotches. So we go in there and talk
to him and then he says, well, is he anywhere
around animals. My mother said yes, because the doctor said,
it looks like he's being bitten. By chicken fleas, and
so I didn't know what a chicken flea was, ladies
and gentlemen, but I knew. I said, oh, great, then
(24:19):
that's fine. I'm not sick. We'll we find And he said, well,
I don't think he should be around these chicken fleas
for a while. He's got to get better. So they
decided I had to go to my grandmother's house. Can
you believe that? And I'm listening to them talking. They said, well,
why don't you bring him to his grandmother's house in
the city. Ladies and gentlemen, right, who lived with my aunt,
God bless my aunt Pat. And that's what they're discussing.
(24:42):
So I got home that after we went to the doctors,
and that night I hear them talking. They're calling my grandmother,
and my mother's telling my grandfather, well, he's got too
many chicken flea bites. He's got to go to grandma's house.
And I'm thinking, oh no. And my grandmother's house had
all these knickknacks my grandmother's family from Florence, Italy. It
was unbelievable. Her house looked like a museum, but there
(25:04):
was nothing you could do in there. My cousins. The
girls could have a great time there. They could sew
things and knit, and so I was going to be
tramped with two women. I was out of school. I
had full rain on that farm. So I remember the
next day they came to get me. It was like
going to jail. Ladies and gentlemen. So they come up
to get me in this old dodge and we had
(25:25):
a tree outside of my house. Now I had a
hold of that tree. There was one limb I used
to jump on to get up that tree. It was
my first way to get up that tree. So I
had a hold of that. It was like a three
inch branch coming out of there. And they had me
by my feet straight out parallel to the ground, pulling,
you know. They had to get my hands. And I
went over to Grandma's house and I had to stay
(25:46):
there for two weeks, and that was quite an experience
for me back then. But when I got back, everything
was fine. But I remember thinking having to leave that farm,
leave my grandfather, and that to me, we were buddies.
I didn't like being apart from him. We slept in
the same room. But it was a rough, rough day
of my life. When they discovered that I was infested
(26:09):
with chicken fleas and I had to go just to
at Grandma's house, where the most I could do was
to count the knick knacks, and then I had to
each day I had to dust the stairs because her
stairs were perfect. And at night I get to sleep
with my aunt. But I did survive.
Speaker 9 (26:26):
We're the proud host of the Flea Jambory.
Speaker 1 (26:32):
Discover safe Money Strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred and one
eighty one or visit Kelly Financial dot org.
Speaker 10 (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 sources deemed to be reliable, but their accuracy
and completeness cannot be guaranteed. The information provided is general
in nature and is not intended to be specific investment, tax,
or legal advice. It is always advisable to consult a
professional before making a financial decision.
Discover safe money strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one to
eighty one, or visit Kellyfinancial dot org.
Speaker 2 (00:16):
Good evening, This is Greg Murray, senior vice president and
chief Compliance Officer at Kelly Financial Services. Joining me today
is Mary Madeline Kelly, one of our wealth advisors. How
are you doing today.
Speaker 3 (00:26):
Good evening, Greg, I am doing well. Thank you for asking.
I must have jinxed the weather last week because now
we're back to our rainy weekend streak. I do take
full responsibility for this.
Speaker 2 (00:37):
How dare you? Mary Madeline? But in all seriousness, I'm
not mad about the cooler weather and rain we got.
It was insanely hot for a little while and my
grass really needed the water.
Speaker 3 (00:46):
It's definitely put a damper on my half marathon training,
but hey, I'll take running in the rain over ninety
plus degrees any day. Anyways, Tonight we are talking about
something that's officially no longer in the works. The Big
Beautiful Bill has been signed into law.
Speaker 2 (01:02):
That's right. Signed on July fourth, the One Big Beautiful
Bill Act is now law. It's one of the largest
fiscal policy packages in over a decade. Touching taxes, retirement
is state planning, and federal assistance programs. Some of the
changes benefit investors in retirees, while others come with trade offs,
especially for families relying on government support.
Speaker 3 (01:21):
Let's start with the good news. One of the biggest
positives is the extension of the lower income tax rates
and the larger standard deduction that were first introduced in
twenty seventeen. For many households, that means lower tax bills
for at least a few more years.
Speaker 2 (01:36):
That's a big deal if you're retired or nearing retirement.
It gives you a chance to take with drawals from
retirement accounts at a lower rate, helping your money last longer.
Speaker 3 (01:44):
Another update is the higher Salt Deduction, also known as
the State and Local taxes. The cap was raised from
ten thousand dollars to forty thousand dollars. That's major for
people in high tax states like Massachusetts.
Speaker 2 (01:56):
And for families thinking ahead. The federal estate tax exemption
was extended to roughly fifteen million dollars per person, giving
more room to pass on wealth without triggering taxes.
Speaker 3 (02:05):
There's also a new benefit for service workers twenty five
thousand dollars of tips can now be deducted on your taxes.
That's right, If you earn tips, you're getting a tax
break at the federal level.
Speaker 2 (02:17):
That's a huge win for folks in restaurants, hospitalities, salons,
and anyone who earns tips as part of their income.
It means more money in your.
Speaker 3 (02:24):
Pocket, and that extra money isn't just for spending. It
could be invested, used to build an emergency fund or
payoff debt. For younger workers especially, this could be the
nudge to start saving early, maybe even open or roth IRA,
or even just increase monthly contributions.
Speaker 2 (02:40):
Even fifty to one hundred dollars a month can really
add up over the years if you invest it wisely.
This small change could have big long term results for
those willing to take advantage.
Speaker 3 (02:48):
But not everything in the bill is a win. There
are still some significant trade offs, especially when it comes
to federal assistant programs like Medicaid and SNAP.
Speaker 2 (02:57):
For the first time in decades, the government will require
many recipients to work at least eighty hours per month
about twenty hours a week to qualify. These rules apply
mainly to able bodied adults ages nineteen to fifty five
without dependence or disabilities.
Speaker 3 (03:11):
That's a tough shift. People between jobs, caregiving, or dealing
with health concerns might find it harder to keep their benefits. Plus,
the bill cuts funding to those programs, which can mean
fewer services in longer wait times, especially in rural or
low income communities.
Speaker 2 (03:26):
There was also some confusion recently about Social Security. Emails
were going around claiming benefits would be tax free, but
that's not true right.
Speaker 3 (03:34):
What the bill actually introduced is a temporary deduction six
thousand dollars for individuals and twelve thousand dollars for couples
over sixty five, but only if your income is under
seventy five thousand single or one hundred and fifty thousand
dollars for those who are married. Most retirees will still
pay taxes on their Social Security.
Speaker 2 (03:54):
So what does this mean for investors in retirees? If
you're retired, these tax changes may give you more more
flexibility and how and when you take what draws, allowing
you to preserve more over time.
Speaker 3 (04:05):
If you're still working, now is a great time to
maximize your contributions, whether that's a four oh one k
IRA or even a health savings account and with more
cash flow thanks to the salt changes or tax free tips,
you might have to put more towards savings or debt reduction.
Speaker 2 (04:22):
And for those who haven't started estate planning, this could
be the perfect window. With the higher exemption, you can
give assets or set up trust with more flexibility.
Speaker 3 (04:30):
Just remember these are tools, not guarantees. You still need
a personalized strategy to use them effectively. No matter your age,
the choices you make today can impact your financial future
in a big way, and of.
Speaker 2 (04:42):
Course, future laws could reverse some of this, so it's
smart to check in with a professional and make sure
your plan fits both today's landscape and tomorrow's uncertainty.
Speaker 3 (04:50):
Well, that wraps up our segment on the Big Beautiful Bill.
Thank you for joining us tonight on WBZ. We love
being a part of your evening routine.
Speaker 2 (04:58):
And we'll see you next week when more time timely
updates and financial planning insights.
Speaker 3 (05:02):
Take care, have a great weekend.
Speaker 1 (05:08):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 4 (05:21):
Ready to enjoy your golden years, without worry. At Kelly Financial,
we know retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation called eight eight eight eight hundred eighteen
(05:43):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.
Speaker 1 (05:56):
And we're back. William Kelly Junior here and I'm sitting
once again with my favorite co host who also happens
to be my mom and the fearless financial leader of
Kelly Financial Services, Kelly Kelly.
Speaker 5 (06:08):
Isn't it wonderful? William?
Speaker 6 (06:10):
It's always great to spend time with you and connect
with our listeners on.
Speaker 5 (06:14):
This Saturday evening.
Speaker 6 (06:16):
For those just joining us, Welcome to Safe Money Strategies
on WBZ. I'm Kelly Kelly and at Kelly Financial Services,
we help families retire with confidence. We've been doing this
for twenty two years and yes it's a family affair.
Speaker 1 (06:35):
It sure is. And earlier on the show, we talked
about how summer can be the perfect time to revisit
your budget set realistic spending goals and stay on track
without giving up the things you enjoy.
Speaker 6 (06:45):
That's right, And now we're shifting to what we call
retirement catchup, not the red stuff in your fridge, but
the real strategies to boost your savings and secure your future.
Speaker 1 (06:58):
I like that dive in. When we talk about retirement
income planning, where should people begin?
Speaker 6 (07:04):
The first step is identifying income streams that include Social
Security pensions, rental income, part time work or withdrawals from
iras or for a one.
Speaker 1 (07:17):
Kse and summer can shift the equation a little, right,
I mean people tend to spend more during this time.
Speaker 5 (07:22):
Of the year exactly.
Speaker 6 (07:24):
Summer often brings travel, family visits, higher utility bills.
Speaker 5 (07:30):
So if your.
Speaker 6 (07:30):
Expenses spike, you may just need to temporarily adjust withdrawals
or reduce spending in other areas.
Speaker 1 (07:38):
And if someone's income feels tight, what are some options?
Speaker 6 (07:41):
Seasonal or part time work can be a great solution.
It keeps people active, ads income, and even offers a
little social connection, which is very important in retirement.
Speaker 1 (07:54):
Let's talk about social security for a moment. Are there
summer related surprises people should watch out for?
Speaker 6 (08:00):
Yes, especially for folks working while collecting benefits. If they
go over the earnings limit, they could see a temporary
reduction in benefits. It's always a good idea to track
that carefully.
Speaker 1 (08:13):
And for people who haven't claimed benefits yet.
Speaker 6 (08:16):
Waiting even a year can boost your monthly check for life.
So if you don't need it yet, holding off pays off.
Speaker 1 (08:24):
Let's talk taxes. What kind of tax issues sneak up
during the summer months.
Speaker 6 (08:28):
Extra income, whether it's from side work, rental income, or
even selling collectibles can trigger an unexpected tax bill. That's
where midyear planning really makes a difference.
Speaker 1 (08:43):
So what's your advice?
Speaker 6 (08:44):
Work with a tax professional or fiduciary advisor like someone
on our team at Kelly Financial. We help folks track deductions,
adjust with holdings, and make smart tax decisions now, not
in a panic later.
Speaker 1 (08:59):
Okay, I want to go back to what you call
a mid year checkup. Why is July at the perfect
time for that.
Speaker 6 (09:05):
Because we're halfway through the year. People now have actual
numbers to work with, not just estimates. They can review spending,
income and investment performance and adjust as needed.
Speaker 1 (09:18):
And during those reviews, what do Kelly advisors look for?
Speaker 6 (09:21):
We help identify gaps, reduce risk, and find missed opportunities
like an overlooked required minimum distribution or a chance to
convert a traditional ira to a wroth while taxes are lower.
Speaker 1 (09:37):
Let's shift to something. I know you've talked a lot
about catch up contributions. Can you break it down?
Speaker 5 (09:42):
Sure?
Speaker 6 (09:43):
If you are fifty or older, the IRIS gives you
a break. You can contribute extra to your four oh
one K or ira in twenty twenty five, an additional
seven five hundred dollars on top of the regular four
to zero one K limit, and for iras, the ketchup
for iras is one thousand dollars extra, and it applies
(10:08):
whether you're working full time or part time. Is one
of the easiest ways to supercharge retirement savings late in
the game, and.
Speaker 1 (10:16):
If someone's already retired, they.
Speaker 6 (10:18):
Can still invest wisely. Even small windfalls like a tax
refund or selling unused items can be used to boost
savings or fund a wroth ira, depending on eligibility.
Speaker 3 (10:34):
I like that.
Speaker 1 (10:35):
And you always say every dollar safe today equals what
future freedom.
Speaker 6 (10:40):
And that's why tracking progress monthly and celebrating small wins matters.
Speaker 5 (10:47):
It keeps people motivated.
Speaker 1 (10:49):
So let's bring this back to summer. What's one move
listeners can make.
Speaker 6 (10:52):
This month call us for a midyear financial review. Summer
is a great time to reassess your goal, rebalance your investments,
and make sure your retirement roadmap still fits your life.
Speaker 1 (11:06):
Even if someone feels like they're doing okay.
Speaker 6 (11:09):
Even more reason to check in. We've helped clients uncover
hidden risk or opportunities they didn't know were there. Retirement
is too important just to guess, and if.
Speaker 1 (11:20):
The listener's plans have changed.
Speaker 6 (11:22):
Then it's the perfect time to revisit the plan. Whether
you're moving, downsizing, helping adult children, or just reassessing your priorities.
We can help make sure the numbers still work.
Speaker 1 (11:35):
So what free guide are we offering this week?
Speaker 6 (11:37):
It's one of my favorites, your retirement income planning checklist.
It covers taxes, social Security, and includes key questions to
ask so you're not leaving money on the table.
Speaker 1 (11:51):
To request the guide or book a complimentary appointment, just
call eighty eight eight hundred twenty eight one or email
us at Kelly Financial dot com.
Speaker 6 (12:00):
No matter the season, is always a good time for
our financial tune up.
Speaker 1 (12:04):
Thanks for being with us. I'm William Kelly Junior, and
this is Safe Money Strategies heard right here on WBZ
and streaming live on the iHeart app. Safe Money Strategies
with Kelly Kelly and her team. Call Kelly Financial at
eighty eight eight hundred and one or go to Kelly
Financial dot org. That's Kelly at Kelly Financial dot org.
Speaker 4 (12:30):
I'm John Boudris, and welcome to a new edition of
Kelly Financials. What would Bill say? The wit and wisdom
of the late Bill Kelly. Today we'll address fact from fiction.
Speaker 7 (12:41):
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 (12:54):
Download Kelly Financial's consumer guide simply called the Value of
an Objective Opinion. With so much at steak with your
retirement future, you don't just want any financial advice, but
objective financial advice. And as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot org
(13:17):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 7 (13:21):
Ladies and gentlemen sort fact from fiction.
Speaker 4 (13:24):
We are Kelly Financial Services. Come retire with us.
Speaker 3 (13:32):
We're back.
Speaker 8 (13:33):
You're listening to Kelly Financial Safe Money Strategies on Mike.
You sat chief operating officer at Kelly Financial Services, and
I'm joined by one of the trusted advisors on our staff,
Greg Workman. Our goal on this and every radio broadcast
is to help you make smart decisions with your money.
Prior to the break, we discussed the interesting dynamic that
(13:53):
occurred when the two thousand through two thousand and two
market crash hit the stock market. The S and P
five hundred went down, but small cap value in real
estate investment trusts were actually positive.
Speaker 9 (14:04):
So why did small cap value and rets outperform during
a time when the market was tanking. Let's start with
small cap value. Small cap value stocks were underpriced and
out of favor in the nineties because investors were largely
chasing the outsized returns from dot com stocks and they
(14:24):
ignored traditional low growth companies, which means small cap value
and others were left behind in the dust and tumbleweeds.
When the bottom fell out, investors sought that safe haven.
Small cap value became that sanctuary when those storm clouds rolled.
Speaker 8 (14:42):
In a similar story with rets real estate investment trusts,
they owned physical property apartments, offices, malls, etc. And generate
income from rents. They often pay high dividends to attract investors.
In two thousand and one through two thousand and two,
the bottom fell out from growth in it was a
falling interest rate environment. The FED had cut rates aggressively
(15:03):
in two thousand and one two thousand and two, which
made reads not only a safe haven but an investment
with more attractive yields when compared to bonds, a win
win for income investors.
Speaker 9 (15:14):
The two thousand and eight stock market crash told a
similar story. Stocks tanked, but long term government bonds rose
almost twenty six percent. That kind of counterbalance is what
smart diversification can do for you. But over the long haul, bonds,
especially treasury bills, have lost money in most of the
(15:36):
past ninety one years.
Speaker 8 (15:38):
Bonds can be helpful for short term stability, but for
long term growth you need equities like small cap value stocks,
which can be voluid or short term but rewarding overtime.
Speaker 9 (15:47):
If you're a do it yourself investor, diversification does not
need to be complicated or expensive. With just a few
low cost exchange traded funds or mutual funds, you can
build a diversified portfolio that spreads risk across sector sizes, geographies,
and asset classes.
Speaker 8 (16:07):
Diversification it reduces risk, smooths out volatility when times get tough,
improves your long term returns, and protects against the unknown.
Speaker 9 (16:16):
And when it comes to that stock market, there are
many unknowns.
Speaker 8 (16:20):
Greg, you have mentioned some steps that a DIY investor
could take to diversify that portfolio if the do it
yourself approach isn't for you. At Kelly Financial, we have
worked very hard to refine our investment process and our
approach to portfolio construction and management.
Speaker 9 (16:37):
Our process starts with a long term strategy the risk
reward relationship. Want to take a conservative approach that moves
up and down with just a small fraction of the
S and P five hundred, Then we might target a
low risk strategy like a portfolio made up of thirty
percent stocks and seventy percent bonds that will a smooth
(17:01):
ride during uncertain times like these.
Speaker 8 (17:04):
So the first step in our process is of utmost importance.
Identify and start with a long term strategy.
Speaker 9 (17:11):
Next, we adapt to changing market conditions by employing tactical
asset allocation that seeks opportunities or downside protection based on
our short term and medium investment views of the stock market.
Speaker 8 (17:25):
No two days are the same. That disciplined approach is
the pathway that helps us stay on course towards your objectives.
It's key to providing clients with investment returns that meet
or beat the long term rates of return we've identified.
Speaker 9 (17:39):
Once we have that portfolio in place, we do everything
in our power to help protect the portfolio, because when
you're investing, it's not just about upside, it's about downside
protection when the market moves against us. We have tools
and procedures in place to measure and monitor portfolio risk
(17:59):
on a daily basis.
Speaker 8 (18:01):
Your most precious resource is probably time. If you're retired,
you may not want to risk making a costly investment
mistake with your retirement dollars when you don't have the
same time you once had for your money to recover.
Speaker 9 (18:14):
Or you may not want to take the time to
diy this stuff we're talking about today. We are here
to help call our team and set up your complementary
no obligation consultation by calling eight eight eight eight hundred
eighteen eighty one again. Our number is triple eight eight
(18:36):
hundred eighteen eighty one.
Speaker 8 (18:38):
At Kelly Financial, we help hardworking people make smart, confident
decisions with their money.
Speaker 9 (18:44):
In case you missed it a moment ago, grab a
pen or make a memo on your smartphone with our
phone number eight eight eight eight hundred eighteen eighty one.
We love meeting our listeners and we look forward to
speaking with you again. That number is true eight hundred
eighteen eighty one.
Speaker 8 (19:03):
Well, that wraps up another installment of safe money strategies.
Summers when memories are made, laughter echoes late, and family
feels closest on the warmth of the sun.
Speaker 9 (19:13):
Well said Mike. We hope your summer is off to
a great start, and we thank you for joining us
today Until next week. I'm Greg Workman.
Speaker 8 (19:22):
And I Mike, you said, join us next week for
more safe money strategies.
Speaker 6 (19:27):
I'm Kelly Kelly from Kelly Financial. Retirement is a time
to enjoy the fruits of your labor, but is also
a period when financial stability becomes more critical than ever,
so seeking expert financial advice is essential regardless of your age.
Professional guidance insureds your assets are allocated wisely, helping your
(19:49):
money last as long as you need it. The advisors
at Kelly Financial will help you take charge of your
financial future and preserve your hard earned wealth to enable
you to voc on the retirement you've dreamed of. We
have a free investor guide called designing your Fiscal House
to Weather the Elements, which highlights the steps needed to
(20:10):
build a balanced portfolio. For the guide and a free
consultation with a Kelly advisor, call eight eight eight eight
hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.
Speaker 5 (20:23):
We're Kelly Financial. Come retire with us.
Speaker 1 (20:27):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one to
eighty one or visit Kelly Financial dot org.
Speaker 6 (20:38):
Before we say goodnight, I want to share a voice
that holds deep meaning for me and for our team
at Kelly Financial, along with many of our longtime listeners
who've heard him on the amair waves for years, You're
about to hear a timeless message from Bill Kelly, our
co founder and a guiding voice for so many of
(20:59):
our clients over the years. In this clip, Bill reflects
on childhood memories, family moments, and the kind of down
to earth wisdom that really.
Speaker 5 (21:09):
Stays with you.
Speaker 6 (21:11):
It's heartfelt, is simple, and is a reminder of what
truly matters. I hope his words bring a smile and
maybe even stir up a few memories of your own.
Speaker 7 (21:23):
So what was summer like on the farm, ladies and gentlemen, Well,
we had a chicken farm school let out sometime near
the end of June June eighteenth. In a good year,
if we had a lot of snow, then we're in
the June twentieth phase and we'd be in the classroom
wondering when are we going to get out of school? Now.
I adored my teachers. I mean I had a crush
(21:45):
on my fourth grade teacher, missus Leeb. So the school
was a great experience. You could have a transistor radio,
ladies and gentlemen, for ninety nine cents, could you believe it?
A dollar ninety nine at Woolworths. And the nine volte
battery cents if you got a terrible one, they were
forty nine cents for a real good. Ever, ready, you
(22:07):
take that transistor radio, you plug that ear plug in
and then you would put it onto Back then, it
was radio seven nine zero that carried the Red Sox.
You'd put it to seventy nine zero, and then you
put some scotch tape on the little wheel so it
wouldn't move. You put the transistor in your pocket, You
run the ear plug up through your sleeve, and then
(22:28):
you could sit at your desk. It would look like
you're resting your head on your elbow and you're writing
with your pencil, but you're listening to the Red Sox.
But you had to watch the teacher's lips because when
she pointed to you, you could say, could you please
repeat the question, and then you'd lift up your head.
The earphone would be in your hand. Because back then,
the Red Sox used to have weekday games during the day.
(22:51):
So that's sort of what life was like as we
moved into summer. Now. I used to help my grandfather
in the mornings with the chickens. Asked me how when
I was five and six years old, because he would
be carrying ten gallon buckets of water in both hands
and then he would feed them. There was over a
thousand chickens. But you know, my job was to help Grant,
(23:12):
and I don't know how much help I gave him.
But every morning, after we ate breakfast, we'd walk down
to the chicken coops. So now, one day my mother
came home, she worked at the phone company one day,
and I was covered in red blotches. They thought I
had the mumps, so she ran me into doctor Beistoso downtown.
Now doctor Beistozo, believe it or not, he would smoke
(23:35):
Paul Mall cigarettes. She'd come in for your check up
and there'd be doctor Mistozo with a Paul Mall hanging
off his lip, and you have the stethoscope on your chest.
He'd be going breathe, you know, breathe, and here's the
guy with the Paul Mall. So anyway, he's the best
doctor on the face of the planet. Everyone lived in
their nineties, every kind of operation, whatever it took. But
(23:58):
I had to go to doctor Pistoso because I had
these red blotches. So we go in there and talk
to him and then he says, well, is he anywhere
around animals. My mother said yes, because the doctor said,
it looks like he's being bitten. By chicken fleas, and
so I didn't know what a chicken flea was, ladies
and gentlemen, but I knew. I said, oh, great, then
(24:19):
that's fine. I'm not sick. We'll we find And he said, well,
I don't think he should be around these chicken fleas
for a while. He's got to get better. So they
decided I had to go to my grandmother's house. Can
you believe that? And I'm listening to them talking. They said, well,
why don't you bring him to his grandmother's house in
the city. Ladies and gentlemen, right, who lived with my aunt,
God bless my aunt Pat. And that's what they're discussing.
(24:42):
So I got home that after we went to the doctors,
and that night I hear them talking. They're calling my grandmother,
and my mother's telling my grandfather, well, he's got too
many chicken flea bites. He's got to go to grandma's house.
And I'm thinking, oh no. And my grandmother's house had
all these knickknacks my grandmother's family from Florence, Italy. It
was unbelievable. Her house looked like a museum, but there
(25:04):
was nothing you could do in there. My cousins. The
girls could have a great time there. They could sew
things and knit, and so I was going to be
tramped with two women. I was out of school. I
had full rain on that farm. So I remember the
next day they came to get me. It was like
going to jail. Ladies and gentlemen. So they come up
to get me in this old dodge and we had
(25:25):
a tree outside of my house. Now I had a
hold of that tree. There was one limb I used
to jump on to get up that tree. It was
my first way to get up that tree. So I
had a hold of that. It was like a three
inch branch coming out of there. And they had me
by my feet straight out parallel to the ground, pulling,
you know. They had to get my hands. And I
went over to Grandma's house and I had to stay
(25:46):
there for two weeks, and that was quite an experience
for me back then. But when I got back, everything
was fine. But I remember thinking having to leave that farm,
leave my grandfather, and that to me, we were buddies.
I didn't like being apart from him. We slept in
the same room. But it was a rough, rough day
of my life. When they discovered that I was infested
(26:09):
with chicken fleas and I had to go just to
at Grandma's house, where the most I could do was
to count the knick knacks, and then I had to
each day I had to dust the stairs because her
stairs were perfect. And at night I get to sleep
with my aunt. But I did survive.
Speaker 9 (26:26):
We're the proud host of the Flea Jambory.
Speaker 1 (26:32):
Discover safe Money Strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred and one
eighty one or visit Kelly Financial dot org.
Speaker 10 (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 sources deemed to be reliable, but their accuracy
and completeness cannot be guaranteed. The information provided is general
in nature and is not intended to be specific investment, tax,
or legal advice. It is always advisable to consult a
professional before making a financial decision.
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