September 13, 2025 • 27 mins
This week on Safe Money Strategies, Kelly and William Kelly sit down for a heartfelt Forever
Young conversation about William’s first book, Only the Good Invest Young. Written for Gen
Z but designed to spark dialogue across generations, the book blends practical financial
lessons with golden nuggets of wisdom from successful entrepreneurs and leaders William
personally interviewed. It’s a guide for young adults stepping into the world of money, but
also a resource parents and grandparents can share with their families to start real
conversations about financial choices that last a lifetime.
From there, the program turns to retirement fundamentals, including smart 401(k) rollover
strategies, and then into life’s most important protections - the need for powers of attorney
and healthcare proxies. The hour closes with Bill Kelly’s enduring wit and wisdom,
reminding us that financial planning is about more than money - it’s about family,
preparedness, 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
Young conversation about William’s first book, Only the Good Invest Young. Written for Gen
Z but designed to spark dialogue across generations, the book blends practical financial
lessons with golden nuggets of wisdom from successful entrepreneurs and leaders William
personally interviewed. It’s a guide for young adults stepping into the world of money, but
also a resource parents and grandparents can share with their families to start real
conversations about financial choices that last a lifetime.
From there, the program turns to retirement fundamentals, including smart 401(k) rollover
strategies, and then into life’s most important protections - the need for powers of attorney
and healthcare proxies. The hour closes with Bill Kelly’s enduring wit and wisdom,
reminding us that financial planning is about more than money - it’s about family,
preparedness, 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
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Discover safe money strategies with Kelly Kelly and her team.
Called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 2 (00:14):
Hello, This is Greig Murray, Senior Vice President Dan chief
Compliance Officer at Kelly Financial Services. Joining me tonight is
Mary Madeline Kelly, one of our wealth advisors. How are
you doing this evening?
Speaker 3 (00:23):
I am doing great.
Speaker 4 (00:25):
Nellie is thriving and we're making so many great memories together.
Last week and we spent it at my mom's house
in Rhode Island and she met them, along with our
dog Georgia and our cat Marshall. It is safe to
say that she is welcome there anytime. As my mom
and William were practically begging me to let her stay.
George's patience was definitely tested as she had to share
(00:48):
her toys and she was getting jumped on constantly by
a little puppy. And Marshall is definitely interested in her.
He'd be watching her from a distance, never getting too close,
but then eventually they were chasing each other in a
playful way. It was really cute.
Speaker 2 (01:02):
That sounds like an adorable day.
Speaker 5 (01:04):
It's very sad.
Speaker 2 (01:05):
I missed it was there any angry barking or any nipping.
Speaker 4 (01:08):
Surprisingly no, Georgia did make some corrections, but without hurting Melly.
You know, watching the way they all interacted actually got
me thinking about family dynamics. Just like with pets, our
loved ones each have their own role, and when life
throws us the unexpected, it's important to know who will
step in and care for us.
Speaker 2 (01:27):
That's a perfect point, and it ties right into tonight's discussion.
We're tackling a topic that's not always easy to think about,
but it's one of the most important. Making sure you
have a power of attorney in a healthcare proxy exactly.
Speaker 4 (01:39):
We spend so much time talking about investments, retirement, income,
market strategy, but the reality is none of that really
matters if life throws you a curveball and you don't
have someone legally empowered to step in and help manage
your finances or your health.
Speaker 3 (01:53):
Chara decisions.
Speaker 2 (01:54):
That's right, and I'll tell you, Mary Madeline, I've seen
it firsthand. Families who have those documents in place, smooth
sailing during tough times. Families who don't well, Unfortunately, you
can get a little bit messy, stressful, and even costly.
Speaker 3 (02:06):
Let's start with the basics, Greg, what exactly is a
power of attorney.
Speaker 2 (02:10):
A power of attorney or POA is a legal document
that gives someone you trust the authority to handle your
financial and legal affairs if you can. That could mean
paying bills, managing investments, or even selling property if necessary.
Without it, your family could be stuck going through the
course just to handle routine matters.
Speaker 4 (02:27):
And I think it's important to note this isn't just
for seniors. Life is unpredictable. A car accident, a sudden illness.
You don't want your loved one scrambling trying to figure
out how to access your accounts or pay your mortgage
while you're recovering.
Speaker 2 (02:40):
Absolutely, we tend to think these documents are for later
in life, but they're really for any stage of life.
If you're over eighteen, you should consider having a power
of attorney.
Speaker 4 (02:48):
Now let's pivot to the healthcare proxy. This one is
equally important, and i'd argue even more personal. A healthcare
proxy allows you to designate someone to make medical decisions
on your behalf if you can't speak for your.
Speaker 2 (03:00):
Right Imagine you're in the hospital and doctors need to
make a quick decision. If you don't have a healthcare proxy,
your family could disagree, or worse, the state could step in.
But with a proxy, you've already named the person you
trust to carry out your wishes and greg.
Speaker 4 (03:13):
Sometimes people confuse us with a living will. How do
you explain the difference?
Speaker 2 (03:17):
Good question. A living will is more about your specific
medical wishes, like whether or not you'd want to be
on life support. A healthcare proxy names the person who
can make all medical decisions for you, not just end
of life ones. Ideally you'd have both exactly.
Speaker 4 (03:31):
And the beauty is these documents don't take a lot
of time or money to set up. We're not talking
about hiring a team of lawyers and spending thousands. For
many people, it's a simple form that you can complete
with guidance from an attorney, often in a single meeting.
Speaker 2 (03:46):
And here's the thing, not having them can actually cost more.
Without a power of attorney, your family may have to
petition the courts for conservatorship or guardianship. That can take months,
and in the meantime, bills pile up and stress levels rocket.
Speaker 4 (04:00):
When I talk to clients, the relief they feel after
putting these documents in place is huge.
Speaker 3 (04:04):
It's like a weight lifted off their shoulders, and.
Speaker 2 (04:07):
This speace of mind nuts just for them, but for
their families too, kids, spouse's siblings. They all know what
role the play if the unexpected happens.
Speaker 4 (04:14):
I want to bring this down to a simple takeaway
for our listeners. Having a power of attorney and a
healthcare proxy is really about control. You're deciding ahead of
time who you trust to act on your behalf. Without them,
you're leaving those decisions up to the courts, the state,
or even a hospital board.
Speaker 2 (04:31):
And that's not where you want those decisions made.
Speaker 4 (04:34):
So Greg, let's finish with some action steps. If someone
listening tonight doesn't have these documents, what should they do?
Speaker 2 (04:40):
First? Step one, talk to an estate planning attorney. Even
if you think your situation is simple, they'll make sure
everything is done correctly. Step two talk to your family.
Let the people you're naming as your power of attorney
or healthcare proxy know that you've chosen them and what
your wishes are.
Speaker 4 (04:56):
And step three, don't procrastinate. We've all heard stories of
people who thought they'd get around to it and never did.
Speaker 6 (05:03):
Do it.
Speaker 3 (05:04):
Now, protect yourself and your loved ones.
Speaker 2 (05:06):
That's right. This isn't about being morbid, It's about being reasonable.
Speaker 4 (05:10):
And with that will wrap up tonight's segment. If you'd
like more guidance or want help connecting with the trusted
estate planning attorney, give our office a call.
Speaker 3 (05:17):
We're here to help.
Speaker 2 (05:18):
Thanks for tuning in. Until next time, take care of
yourselves and take care of your future.
Speaker 3 (05:22):
Absolutely, have a great weekend.
Speaker 1 (05:25):
Save Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty one
or go to Kelly Financial dot org.
Speaker 5 (05:33):
That's Kelly at Kelly Financial dot org.
Speaker 6 (05:41):
Welcome back to Safe Money Strategies. I'm Kelly Kelly here
with my son, William Kelly Junior, and if you can't
our first segment, we introduce William's brand new project, a
book for his generation called Only the Good invest Young.
In this segment, we're going to dig a little deeper
(06:03):
into what's inside and how families can use it together.
Speaker 1 (06:08):
Thanks Mom. The big idea is simple, make smart money
moves feel doable, especially early on. I wrote it for
gen Z, but it's a handoff book too. Parents and
grandparents can read a chapter then pass it to a
twenty something year old in the family and say start here.
It's not a textbook. It's practical, short and meant to
be used.
Speaker 6 (06:27):
And William, you really do keep it real about the
challenges that hit in the first few years of adulthood,
rent car payments, student loans, the swipe of a credit card.
Your point is the earlier you build habits, the less
stressful those moments feel.
Speaker 5 (06:46):
Exactly.
Speaker 1 (06:47):
I talk about setting up a starter system that's realistic,
automate savings, avoid high interest debt, and keep investing simple.
You don't have to be perfect. You just have to
get moving and stay consistent.
Speaker 6 (06:58):
And one of my favorite chapters is the Trinity IRA, Wroth, IRA,
and four oh one K. Those three v hippis make
a strong foundation for the decades ahead.
Speaker 5 (07:11):
Right.
Speaker 1 (07:11):
Each one has a role. A traditional account can reduce
taxable income now, a wrath can give you tax free
growth later, and a four to one K often comes
with a match that's free money you don't want to
leave on the table. I even show an example of
a small WRATH contribution in your twenties that compounds for decades.
The earlier you start, the more time does the heavy lifting.
Speaker 6 (07:32):
You also include a section on what not to do,
because the potholes are just as important.
Speaker 1 (07:40):
They are in no falling in the pit, I share
real stories about lifestyle creep, chasing hot tips, and letting
credit cards run the show. The takeaway is that discipline
and patience usually beat shortcuts. I'd rather see someone say
fifty dollars a month consistently than swinging for the fences
once a year and quit.
Speaker 6 (07:57):
I love that you pair encouragement with the plan. You
outline a simple first ninety days checklist that any young
adult can follow.
Speaker 1 (08:07):
Yes three steps. Step one, build a cushion. Automate a
small transfer each payday so the emergency fund grows without
thinking about it. Step two, capture the match if your
employer offers one, even a few percents can add up fast.
Step three pick a straightforward, diversified allocation, and stop tinkering
every week. Once the basics are in place, you can
(08:28):
then layer on HSA's five twenty nine and other tax
smart tools as life evolves, and.
Speaker 6 (08:34):
You speak directly to parents and grandparents too. If you're
listening and you've wanted a low pressure way to open
the conversation with your kids or grandkids. This book gives
you the words and the structure. Read a chapter, ask
a few questions, and let them take the next step.
Speaker 1 (08:54):
That's right. Gen Z already learns a ton from peers
and online communities. If you give them a c your
starting point and a little accountability, they run with it.
The book is designed to be that nudge and that roadmap.
Speaker 6 (09:06):
Timing wise, this is perfect for fall. William's book Only
the Good invest Young will be available this season. We're
making it complementary for our clients and for any of
our radio listeners who request a copy. Is a quick
read you can share, mark up and keep on the
(09:27):
shelf for reference.
Speaker 1 (09:28):
And we're here to help you put it into action.
If you'd like a copy of the book and a
complimentary consultation with our fiduciary team, call eighty eight eight
hundred and twenty eight one or email Kelly at Kelly
Financial dot org. We'll send you the book and help
you map the next steps that fit your situation.
Speaker 6 (09:44):
William, before we wrap, give us one do and one
don't For someone getting started.
Speaker 1 (09:50):
Do automate something small this week, even twenty five dollars
per paycheck in the savings or a Roth if you're eligible.
Momentum matters. Don't wait for the perfect moment or the
perfect market. PERF is a moving target. Consistency beats perfect
almost every time.
Speaker 6 (10:04):
Well said, and remember this is education, not individualized advice.
On the radio, we love meeting with families, hearing your
goals and helping you design a plan. This both practical
and protective.
Speaker 1 (10:18):
You're listening to Safe Money Strategies Saturday mornings and WRKO
and Saturday evenings on WBZ with PAS shows available through
our site and the iHeart app.
Speaker 5 (10:26):
Stay with us, We'll be right by it.
Speaker 1 (10:30):
Safe Money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred and twenty and
eighty one or go to Kelly Financial dot org. That's
Kelly at Kelly Financial dot org.
Speaker 7 (10:43):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What would Bill Say? The wit and wisdom
of the late Bill Kelly, who today tests time time.
Speaker 8 (10:53):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree? Twenty years ago? When's the second best
time to plant a tree? Tomorrow today, whenever you can
get to it. That's the next best time.
Speaker 7 (11:09):
There's no time like the present to begin saving, planning,
and enjoying retirement. So download our consumer guide simply called
a Happy Retirement and find six secrets of how you
can spend your time to cultivate happiness and a retirement
well lived. Go to Kellyfinancial dot org or call eight
(11:29):
eight eight eight hundred eighteen eighty one to spend some
time with one of our financial advisors.
Speaker 8 (11:35):
Time, ladies and gentlemen, it's not too late.
Speaker 7 (11:38):
We are Kelly Financial. Come retire with us.
Speaker 6 (11:44):
Welcome back to safe money strategies. I'm Kelly Kelly here
with my son William Kelly Junior. Before the break you
mentioned compounding. Give our listeners a picture of what that
looks like in real life.
Speaker 1 (12:00):
Let's imagine a twenty two year old who puts one
hundred and fifty dollars a month into a rough IRA
and just lets it run. If they average a reasonable
long term market return over the decades, that steady habit
can grow to a six figure balance well before retirement,
and potentially much more by their sixties, without ever trying
to time the market. The point isn't to predict returns.
It's to show how consistent contributions plus time can do
(12:21):
extraordinary things.
Speaker 6 (12:23):
It's also okay to start smaller and step up later.
Speaker 1 (12:26):
Right. Absolutely, start with what you can today, then increase
it when you get a raise or pay off a bill.
I include a first job checklist in the book. Set
your direct deposit and roll in a retirement plan. Pick
a sensible allocation, and set calendar reminders to bump your
savings rate every six months. Small steps stack up.
Speaker 6 (12:44):
I also appreciate that you explain the emotional side. Stay
in calm when headlines are very noisy.
Speaker 1 (12:52):
That's a big one. I coach readers to separate a
long term plan from a short term noise. If your
goals are ten, twenty thirty years away, a month or
even a single year doesn't define your outcome, your behavior does.
Speaker 6 (13:05):
Great perspective. Again, if you'd like the complimentary book and
a consultation with our team, call eight eight eight eight
hundred eighteen eighty one or email Kellie at kellifinancial dot org.
Will help you or your family member get started the
right way. Don't go anywhere. We've got more great content
(13:26):
coming up right after the break, stay with us.
Speaker 1 (13:33):
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.
Speaker 5 (13:41):
That's Kelly at Kelly Financial dot org.
Speaker 9 (13:47):
Welcome back to save Money Strategies. I'm Mike. You sat
with Kelly Financial. Joining me is my colleague Greg Workman.
And before the break we were talking about what happens
to your four to oh one K when you leave
a job.
Speaker 10 (13:59):
That's right, We've covered vesting, we covered the dangers of
cashing out, and now we're looking at the choice between
rolling into an IRA versus rolling into your new employer's
sponsored plan, such as a four to one K.
Speaker 9 (14:14):
So, Greg, let's start with the IRA option. What are
the main benefits?
Speaker 10 (14:18):
The biggest advantage is flexibility. With an IRA, you generally
have more investment choices than you do within an employer's plan.
You can allocate across multiple custodians if you like, you
can move money freely, and you can control when you
take distributions.
Speaker 9 (14:38):
And there's also the option of doing a Roth conversion.
If you roll into an IRA.
Speaker 10 (14:42):
Exactly, you can roll your four to one K into
a roth IRA, pay taxes on the conversion amount, and
then enjoy tax free qualified distributions down the road. That
can be a powerful strategy, especially for people who expect
to be in a higher tax bracket well into the future.
Speaker 9 (15:02):
Now, what about the downsides of rolling into an IRA.
Speaker 10 (15:05):
Well, one drawback is that iras don't typically allow loans.
In a four to oh one K, some plans let
you borrow against your balance. That option disappears if you
move into an IRA. Another consideration is creditor protection. Four
to one K plans generally have stronger protection from creditors
(15:26):
under federal law than iras do outside of bankruptcy, So
if asset protection is a concern, you will want to
weigh your options carefully.
Speaker 9 (15:36):
Good point. Now let's flip to the other option, rolling
into a new employer's four oh one K. What are
the advantages here?
Speaker 10 (15:43):
One big plus is that the ability to borrow. If
the new plan allows loans, if you keep working past
age seventy three, you may be able to delay required
minimum distributions from that plan until you actually retire. With
an ir rmds must start at age seventy three or
(16:05):
seventy five for some depending upon your birth year.
Speaker 9 (16:08):
And for those with four one K contributions, there's a
unique wrinkle here.
Speaker 10 (16:12):
Yes, if you roll four one K WROTH funds into
a roth IRA, the five year clock for tax free
distribution starts fresh if it is a new WROTH IRA,
But if you roll them into your employer's WROTH for
a one K, your existing five year period also carries over.
(16:34):
That can help you access tax free withdrawals sooner.
Speaker 9 (16:38):
So, as with most things, there's no one size fits
all answer. It depends on your age, your goals, your
tax situation, and your need for flexibility.
Speaker 10 (16:47):
That's why it's so important to get some professional guidance
before making any moves. You want to look at fees,
the available investment options, credit or protection, distribution rules, all
of it.
Speaker 9 (17:01):
Greg Before we close, let's touch quickly on one more thing.
Outstanding four oh one K loans. What happens if you
leave your job while you still have an outstanding loan.
Speaker 10 (17:10):
Generally you have to pay it back so the balance
will be treated as a distribution, which means taxes and
possibly some penalties. Sometimes you get a sixty day window
to roll that amount into an IRA, but you'd need
to come up with the cash from an outside source.
Speaker 9 (17:28):
So the takeaway is, don't assume that loan disappears when
you leave. It can have rail tax consequences.
Speaker 5 (17:34):
Exactly.
Speaker 9 (17:35):
Well, Greg, this has been a great conversation to our listeners.
Here's what I want you to take away. If you're
facing decisions about your four oh one K, whether you're
changing jobs, retiring, or just to understand your options, don't
go it alone. These are important decisions with long term implications.
And remember at Kelly Financial WAFIDU sharies, we start with
a written plan will help you map out your retirement,
(17:57):
and then we'll look at how your four roh one
K and other ass that's fit into that plan. If
you'd like a copy of Safe Money Strategies, or if
you'd like to jump right to a complimentary four oh
one K review, just reach out. There's no cost, no pressure,
no obligation.
Speaker 10 (18:11):
That's right, whether you're forty fifty or already well into retirement,
it's never too late to get clarity and make informed decisions.
Speaker 9 (18:21):
That's what we're here for. Thanks again for joining us
on Safe Money Strategies on behalf of Greg Workman and
all of us at Kelly Financial I'm Mike d said,
We'll see you next time.
Speaker 1 (18:30):
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 (18:45):
Each week we take a moment to hear from Bill Kelly,
sharing his stories and the wisdom passed down through his family.
This week, Bill continues his reflections on his grandfather, Tim Murphy,
of the Sunday calls that never stopped, and the moving
story of his last ride with his grandfather, A moment
(19:07):
of love, dignity, and legacy.
Speaker 3 (19:11):
Here's Bill Kelly.
Speaker 8 (19:15):
Now. Time went on. My mom and dad wanted to retire,
and my dad finally retired from the fire department, and
my mom wanted to retire from the phone company, which
she did, and my grandfather gave up the farm. They
sold the farm and they bought a small condominium out
(19:36):
overlooking the water, and it looked pretty good. My grandfather
began to slip a little bit, but he could get
around and he was doing very very well. I went
away to school. I also went away to learn engineering
and avionics in Denver, and then I went into the
(19:57):
Air Force. I was an avionic specialist with computers back
in the seventies. Was very challenging and very exciting, and
I prided myself in how well I could do that job,
and it led to a terrifically great career, although short
lived in engineering and avionics, and very well paid I was,
(20:20):
but it also took me away from home. I called
my grandfather every Sunday night for my entire life, no
matter where I was on the face of the earth.
We talked and we spoke, and I remember before I
left home one night when I realized I was going
away to school. I had been working for a landscaping
(20:43):
company and geez lo and behold, they offered me a
huge raise right before leaving, and I came home to
let my grandfather know, Look, I'm going to be able
to stay here. They've offered me a tremendous raise. I'm
going to have a lot of work this winter, and
I think I can even start my own landscaping company.
So basically, what I was telling my grandfather was we
(21:06):
can stick together. Our team does not have to break
up here. And he looked at me. He was almost shocked.
He said, there is no way that you can stay here,
because if you do, you're not going to get any
type of education that you'll be needing to move you
ahead in life. And yes, you and I will have
a great time for the next five to ten years,
(21:29):
but pretty soon I'm going to be moving along. So
you have to find something that's going to secure you.
And in order to do that, your path is pretty
much set that you're going to go away from here
and you're going to learn. And he said you must
do it, and I was kind of shocked, but I
knew that's what had to happen. So off I went
(21:52):
to the Air Force Technical Institute in Denver, and as
time went by a couple of years, Grant began to
fall and he couldn't really maneuver as well as he did.
He was a big man, so when he fell, it
meant it was very difficult now for my parents to
lift him up. Now, he wasn't injured when he fell,
(22:15):
but he started to hit his head and lose his balance.
He never lost his ability to think or reason or
enjoy life, but it was just too much for him.
And then pretty soon the falls got to be a
little bit worse, and he fell one day and my
folks were out all night and they didn't know that
he had fallen, so he had a bad night on
(22:37):
the floor. So I got a call in New Mexico
sometime in nineteen seventy nine, and it was my mom
and she said, look, we haven't had a vacation in
three years. We can't pick Grandpa up anymore. He has
to go into a nursing home. But he won't go.
(22:58):
But he did say if you came back home home
and rode with him in the ambulance, he would go. So,
knowing what I knew and doing what I had to do,
I agreed to come back home. And I thought, you know,
I called the nursing home and they assured me that generally,
you know, people don't go in there and leave, but
(23:18):
he might be able to be brought back to health
and and then he could come back home again. So
I agreed. I flew back. I remember that flight. It
was back when the planes used to fly after midnight.
I think I got into Logan at three in the
morning or something. Drove all night to Newport. I got
(23:38):
there about probably four five in the morning. I you know,
went to sleep on the couch. I woke up about
ten ten in the morning, and I, you know, got up.
I looked for my mom dad. They made me some breakfast,
and then I said, where's Gramp. You know, he's not
(24:00):
up and and that had never happened my entire life,
that he hadn't been up in the morning. They said,
he's just not getting up today, you know. So I
went up to the top of the stairs and peeked
into his room, the same room it was all his life,
the same things in there. His flannel shirt was on
the chair, and his green work pants same. And I
(24:22):
looked in there and I went over to see him
and I said, are you there, Murph? And I used
to call him Murph, and he used to call me Murph.
He said, yeah, I'm here, Murph. What's going on? I said, well,
you know, they want you to go in so you
can get a little bit better care now and every day.
Is that okay, Gramp? And he said sure, that's okay.
(24:43):
Let me get dressed and you know, we'll take a ride.
I said, okay. So we called the hospital. They sent
out an emergency wagon as they called it then, and
I ate my breakfast. I got grabbed some coffee, and
he put on his flannel shirt with two pockets with buttons,
(25:04):
his green work pants, his black shoes, and we waited
for the ambulance to come. And they came in and
they wanted to put him in a stretcher, and he said, no,
just help me, and he walked in. He got up
the back of the ambulance and he sat on the
bench across from me. Believe it or not, he didn't
want to lay down. And we drove on and it
(25:28):
was about a eight mile drive. We drove and we
talked and he seemed to be okay. And then when
we got there, they said, mister Murphy, you're going to
have to get on this gurney and we're gonna have
to wheel you. Then we're going to get you into
a wheelchair. Get you admitted. He said, okay, I just
want a little bit. I just want to mint it
here with my grandson. So he looked at me. They
(25:49):
shut the door. He said, look, I know it's all
for the best, and I know you did the best
you could. He said, don't worry about me. These people
are going to treat me very well. And he reached
in his pocket and he unbuttoned it and he had
a there was a brown envelope in the pocket with
a passbook from Fleet Bank Industrial National. It's called and
(26:15):
he handed me the envelope, you know, after we had
hugged and kissed, and I was leaving, and he handed
me the envelope. He says, give this to your mother,
you know. And it was part of an account he
had set up for her and my dad for their retirement.
When I got home, I gave.
Speaker 1 (26:29):
It to my mom. Discover safe money Strategies with Kelly
Kelly and her team called Kelly Financial at eighty eight
eight hundred one or visit Kelly Financial dot org.
Speaker 11 (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 this source is deemed to be reliable, but
their accuracy and completeness cannot be guaranteed. The information provided
is general in nature and is not intended to be
specific investment, tax, or legal advice. It is always advisable
to consult a professional before making a financial decision.
Discover safe money strategies with Kelly Kelly and her team.
Called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org.
Speaker 2 (00:14):
Hello, This is Greig Murray, Senior Vice President Dan chief
Compliance Officer at Kelly Financial Services. Joining me tonight is
Mary Madeline Kelly, one of our wealth advisors. How are
you doing this evening?
Speaker 3 (00:23):
I am doing great.
Speaker 4 (00:25):
Nellie is thriving and we're making so many great memories together.
Last week and we spent it at my mom's house
in Rhode Island and she met them, along with our
dog Georgia and our cat Marshall. It is safe to
say that she is welcome there anytime. As my mom
and William were practically begging me to let her stay.
George's patience was definitely tested as she had to share
(00:48):
her toys and she was getting jumped on constantly by
a little puppy. And Marshall is definitely interested in her.
He'd be watching her from a distance, never getting too close,
but then eventually they were chasing each other in a
playful way. It was really cute.
Speaker 2 (01:02):
That sounds like an adorable day.
Speaker 5 (01:04):
It's very sad.
Speaker 2 (01:05):
I missed it was there any angry barking or any nipping.
Speaker 4 (01:08):
Surprisingly no, Georgia did make some corrections, but without hurting Melly.
You know, watching the way they all interacted actually got
me thinking about family dynamics. Just like with pets, our
loved ones each have their own role, and when life
throws us the unexpected, it's important to know who will
step in and care for us.
Speaker 2 (01:27):
That's a perfect point, and it ties right into tonight's discussion.
We're tackling a topic that's not always easy to think about,
but it's one of the most important. Making sure you
have a power of attorney in a healthcare proxy exactly.
Speaker 4 (01:39):
We spend so much time talking about investments, retirement, income,
market strategy, but the reality is none of that really
matters if life throws you a curveball and you don't
have someone legally empowered to step in and help manage
your finances or your health.
Speaker 3 (01:53):
Chara decisions.
Speaker 2 (01:54):
That's right, and I'll tell you, Mary Madeline, I've seen
it firsthand. Families who have those documents in place, smooth
sailing during tough times. Families who don't well, Unfortunately, you
can get a little bit messy, stressful, and even costly.
Speaker 3 (02:06):
Let's start with the basics, Greg, what exactly is a
power of attorney.
Speaker 2 (02:10):
A power of attorney or POA is a legal document
that gives someone you trust the authority to handle your
financial and legal affairs if you can. That could mean
paying bills, managing investments, or even selling property if necessary.
Without it, your family could be stuck going through the
course just to handle routine matters.
Speaker 4 (02:27):
And I think it's important to note this isn't just
for seniors. Life is unpredictable. A car accident, a sudden illness.
You don't want your loved one scrambling trying to figure
out how to access your accounts or pay your mortgage
while you're recovering.
Speaker 2 (02:40):
Absolutely, we tend to think these documents are for later
in life, but they're really for any stage of life.
If you're over eighteen, you should consider having a power
of attorney.
Speaker 4 (02:48):
Now let's pivot to the healthcare proxy. This one is
equally important, and i'd argue even more personal. A healthcare
proxy allows you to designate someone to make medical decisions
on your behalf if you can't speak for your.
Speaker 2 (03:00):
Right Imagine you're in the hospital and doctors need to
make a quick decision. If you don't have a healthcare proxy,
your family could disagree, or worse, the state could step in.
But with a proxy, you've already named the person you
trust to carry out your wishes and greg.
Speaker 4 (03:13):
Sometimes people confuse us with a living will. How do
you explain the difference?
Speaker 2 (03:17):
Good question. A living will is more about your specific
medical wishes, like whether or not you'd want to be
on life support. A healthcare proxy names the person who
can make all medical decisions for you, not just end
of life ones. Ideally you'd have both exactly.
Speaker 4 (03:31):
And the beauty is these documents don't take a lot
of time or money to set up. We're not talking
about hiring a team of lawyers and spending thousands. For
many people, it's a simple form that you can complete
with guidance from an attorney, often in a single meeting.
Speaker 2 (03:46):
And here's the thing, not having them can actually cost more.
Without a power of attorney, your family may have to
petition the courts for conservatorship or guardianship. That can take months,
and in the meantime, bills pile up and stress levels rocket.
Speaker 4 (04:00):
When I talk to clients, the relief they feel after
putting these documents in place is huge.
Speaker 3 (04:04):
It's like a weight lifted off their shoulders, and.
Speaker 2 (04:07):
This speace of mind nuts just for them, but for
their families too, kids, spouse's siblings. They all know what
role the play if the unexpected happens.
Speaker 4 (04:14):
I want to bring this down to a simple takeaway
for our listeners. Having a power of attorney and a
healthcare proxy is really about control. You're deciding ahead of
time who you trust to act on your behalf. Without them,
you're leaving those decisions up to the courts, the state,
or even a hospital board.
Speaker 2 (04:31):
And that's not where you want those decisions made.
Speaker 4 (04:34):
So Greg, let's finish with some action steps. If someone
listening tonight doesn't have these documents, what should they do?
Speaker 2 (04:40):
First? Step one, talk to an estate planning attorney. Even
if you think your situation is simple, they'll make sure
everything is done correctly. Step two talk to your family.
Let the people you're naming as your power of attorney
or healthcare proxy know that you've chosen them and what
your wishes are.
Speaker 4 (04:56):
And step three, don't procrastinate. We've all heard stories of
people who thought they'd get around to it and never did.
Speaker 6 (05:03):
Do it.
Speaker 3 (05:04):
Now, protect yourself and your loved ones.
Speaker 2 (05:06):
That's right. This isn't about being morbid, It's about being reasonable.
Speaker 4 (05:10):
And with that will wrap up tonight's segment. If you'd
like more guidance or want help connecting with the trusted
estate planning attorney, give our office a call.
Speaker 3 (05:17):
We're here to help.
Speaker 2 (05:18):
Thanks for tuning in. Until next time, take care of
yourselves and take care of your future.
Speaker 3 (05:22):
Absolutely, have a great weekend.
Speaker 1 (05:25):
Save Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty one
or go to Kelly Financial dot org.
Speaker 5 (05:33):
That's Kelly at Kelly Financial dot org.
Speaker 6 (05:41):
Welcome back to Safe Money Strategies. I'm Kelly Kelly here
with my son, William Kelly Junior, and if you can't
our first segment, we introduce William's brand new project, a
book for his generation called Only the Good invest Young.
In this segment, we're going to dig a little deeper
(06:03):
into what's inside and how families can use it together.
Speaker 1 (06:08):
Thanks Mom. The big idea is simple, make smart money
moves feel doable, especially early on. I wrote it for
gen Z, but it's a handoff book too. Parents and
grandparents can read a chapter then pass it to a
twenty something year old in the family and say start here.
It's not a textbook. It's practical, short and meant to
be used.
Speaker 6 (06:27):
And William, you really do keep it real about the
challenges that hit in the first few years of adulthood,
rent car payments, student loans, the swipe of a credit card.
Your point is the earlier you build habits, the less
stressful those moments feel.
Speaker 5 (06:46):
Exactly.
Speaker 1 (06:47):
I talk about setting up a starter system that's realistic,
automate savings, avoid high interest debt, and keep investing simple.
You don't have to be perfect. You just have to
get moving and stay consistent.
Speaker 6 (06:58):
And one of my favorite chapters is the Trinity IRA, Wroth, IRA,
and four oh one K. Those three v hippis make
a strong foundation for the decades ahead.
Speaker 5 (07:11):
Right.
Speaker 1 (07:11):
Each one has a role. A traditional account can reduce
taxable income now, a wrath can give you tax free
growth later, and a four to one K often comes
with a match that's free money you don't want to
leave on the table. I even show an example of
a small WRATH contribution in your twenties that compounds for decades.
The earlier you start, the more time does the heavy lifting.
Speaker 6 (07:32):
You also include a section on what not to do,
because the potholes are just as important.
Speaker 1 (07:40):
They are in no falling in the pit, I share
real stories about lifestyle creep, chasing hot tips, and letting
credit cards run the show. The takeaway is that discipline
and patience usually beat shortcuts. I'd rather see someone say
fifty dollars a month consistently than swinging for the fences
once a year and quit.
Speaker 6 (07:57):
I love that you pair encouragement with the plan. You
outline a simple first ninety days checklist that any young
adult can follow.
Speaker 1 (08:07):
Yes three steps. Step one, build a cushion. Automate a
small transfer each payday so the emergency fund grows without
thinking about it. Step two, capture the match if your
employer offers one, even a few percents can add up fast.
Step three pick a straightforward, diversified allocation, and stop tinkering
every week. Once the basics are in place, you can
(08:28):
then layer on HSA's five twenty nine and other tax
smart tools as life evolves, and.
Speaker 6 (08:34):
You speak directly to parents and grandparents too. If you're
listening and you've wanted a low pressure way to open
the conversation with your kids or grandkids. This book gives
you the words and the structure. Read a chapter, ask
a few questions, and let them take the next step.
Speaker 1 (08:54):
That's right. Gen Z already learns a ton from peers
and online communities. If you give them a c your
starting point and a little accountability, they run with it.
The book is designed to be that nudge and that roadmap.
Speaker 6 (09:06):
Timing wise, this is perfect for fall. William's book Only
the Good invest Young will be available this season. We're
making it complementary for our clients and for any of
our radio listeners who request a copy. Is a quick
read you can share, mark up and keep on the
(09:27):
shelf for reference.
Speaker 1 (09:28):
And we're here to help you put it into action.
If you'd like a copy of the book and a
complimentary consultation with our fiduciary team, call eighty eight eight
hundred and twenty eight one or email Kelly at Kelly
Financial dot org. We'll send you the book and help
you map the next steps that fit your situation.
Speaker 6 (09:44):
William, before we wrap, give us one do and one
don't For someone getting started.
Speaker 1 (09:50):
Do automate something small this week, even twenty five dollars
per paycheck in the savings or a Roth if you're eligible.
Momentum matters. Don't wait for the perfect moment or the
perfect market. PERF is a moving target. Consistency beats perfect
almost every time.
Speaker 6 (10:04):
Well said, and remember this is education, not individualized advice.
On the radio, we love meeting with families, hearing your
goals and helping you design a plan. This both practical
and protective.
Speaker 1 (10:18):
You're listening to Safe Money Strategies Saturday mornings and WRKO
and Saturday evenings on WBZ with PAS shows available through
our site and the iHeart app.
Speaker 5 (10:26):
Stay with us, We'll be right by it.
Speaker 1 (10:30):
Safe Money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred and twenty and
eighty one or go to Kelly Financial dot org. That's
Kelly at Kelly Financial dot org.
Speaker 7 (10:43):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What would Bill Say? The wit and wisdom
of the late Bill Kelly, who today tests time time.
Speaker 8 (10:53):
You don't have as much left today as you had yesterday.
It's the rule of science. When's the best time to
plant a tree? Twenty years ago? When's the second best
time to plant a tree? Tomorrow today, whenever you can
get to it. That's the next best time.
Speaker 7 (11:09):
There's no time like the present to begin saving, planning,
and enjoying retirement. So download our consumer guide simply called
a Happy Retirement and find six secrets of how you
can spend your time to cultivate happiness and a retirement
well lived. Go to Kellyfinancial dot org or call eight
(11:29):
eight eight eight hundred eighteen eighty one to spend some
time with one of our financial advisors.
Speaker 8 (11:35):
Time, ladies and gentlemen, it's not too late.
Speaker 7 (11:38):
We are Kelly Financial. Come retire with us.
Speaker 6 (11:44):
Welcome back to safe money strategies. I'm Kelly Kelly here
with my son William Kelly Junior. Before the break you
mentioned compounding. Give our listeners a picture of what that
looks like in real life.
Speaker 1 (12:00):
Let's imagine a twenty two year old who puts one
hundred and fifty dollars a month into a rough IRA
and just lets it run. If they average a reasonable
long term market return over the decades, that steady habit
can grow to a six figure balance well before retirement,
and potentially much more by their sixties, without ever trying
to time the market. The point isn't to predict returns.
It's to show how consistent contributions plus time can do
(12:21):
extraordinary things.
Speaker 6 (12:23):
It's also okay to start smaller and step up later.
Speaker 1 (12:26):
Right. Absolutely, start with what you can today, then increase
it when you get a raise or pay off a bill.
I include a first job checklist in the book. Set
your direct deposit and roll in a retirement plan. Pick
a sensible allocation, and set calendar reminders to bump your
savings rate every six months. Small steps stack up.
Speaker 6 (12:44):
I also appreciate that you explain the emotional side. Stay
in calm when headlines are very noisy.
Speaker 1 (12:52):
That's a big one. I coach readers to separate a
long term plan from a short term noise. If your
goals are ten, twenty thirty years away, a month or
even a single year doesn't define your outcome, your behavior does.
Speaker 6 (13:05):
Great perspective. Again, if you'd like the complimentary book and
a consultation with our team, call eight eight eight eight
hundred eighteen eighty one or email Kellie at kellifinancial dot org.
Will help you or your family member get started the
right way. Don't go anywhere. We've got more great content
(13:26):
coming up right after the break, stay with us.
Speaker 1 (13:33):
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.
Speaker 5 (13:41):
That's Kelly at Kelly Financial dot org.
Speaker 9 (13:47):
Welcome back to save Money Strategies. I'm Mike. You sat
with Kelly Financial. Joining me is my colleague Greg Workman.
And before the break we were talking about what happens
to your four to oh one K when you leave
a job.
Speaker 10 (13:59):
That's right, We've covered vesting, we covered the dangers of
cashing out, and now we're looking at the choice between
rolling into an IRA versus rolling into your new employer's
sponsored plan, such as a four to one K.
Speaker 9 (14:14):
So, Greg, let's start with the IRA option. What are
the main benefits?
Speaker 10 (14:18):
The biggest advantage is flexibility. With an IRA, you generally
have more investment choices than you do within an employer's plan.
You can allocate across multiple custodians if you like, you
can move money freely, and you can control when you
take distributions.
Speaker 9 (14:38):
And there's also the option of doing a Roth conversion.
If you roll into an IRA.
Speaker 10 (14:42):
Exactly, you can roll your four to one K into
a roth IRA, pay taxes on the conversion amount, and
then enjoy tax free qualified distributions down the road. That
can be a powerful strategy, especially for people who expect
to be in a higher tax bracket well into the future.
Speaker 9 (15:02):
Now, what about the downsides of rolling into an IRA.
Speaker 10 (15:05):
Well, one drawback is that iras don't typically allow loans.
In a four to oh one K, some plans let
you borrow against your balance. That option disappears if you
move into an IRA. Another consideration is creditor protection. Four
to one K plans generally have stronger protection from creditors
(15:26):
under federal law than iras do outside of bankruptcy, So
if asset protection is a concern, you will want to
weigh your options carefully.
Speaker 9 (15:36):
Good point. Now let's flip to the other option, rolling
into a new employer's four oh one K. What are
the advantages here?
Speaker 10 (15:43):
One big plus is that the ability to borrow. If
the new plan allows loans, if you keep working past
age seventy three, you may be able to delay required
minimum distributions from that plan until you actually retire. With
an ir rmds must start at age seventy three or
(16:05):
seventy five for some depending upon your birth year.
Speaker 9 (16:08):
And for those with four one K contributions, there's a
unique wrinkle here.
Speaker 10 (16:12):
Yes, if you roll four one K WROTH funds into
a roth IRA, the five year clock for tax free
distribution starts fresh if it is a new WROTH IRA,
But if you roll them into your employer's WROTH for
a one K, your existing five year period also carries over.
(16:34):
That can help you access tax free withdrawals sooner.
Speaker 9 (16:38):
So, as with most things, there's no one size fits
all answer. It depends on your age, your goals, your
tax situation, and your need for flexibility.
Speaker 10 (16:47):
That's why it's so important to get some professional guidance
before making any moves. You want to look at fees,
the available investment options, credit or protection, distribution rules, all
of it.
Speaker 9 (17:01):
Greg Before we close, let's touch quickly on one more thing.
Outstanding four oh one K loans. What happens if you
leave your job while you still have an outstanding loan.
Speaker 10 (17:10):
Generally you have to pay it back so the balance
will be treated as a distribution, which means taxes and
possibly some penalties. Sometimes you get a sixty day window
to roll that amount into an IRA, but you'd need
to come up with the cash from an outside source.
Speaker 9 (17:28):
So the takeaway is, don't assume that loan disappears when
you leave. It can have rail tax consequences.
Speaker 5 (17:34):
Exactly.
Speaker 9 (17:35):
Well, Greg, this has been a great conversation to our listeners.
Here's what I want you to take away. If you're
facing decisions about your four oh one K, whether you're
changing jobs, retiring, or just to understand your options, don't
go it alone. These are important decisions with long term implications.
And remember at Kelly Financial WAFIDU sharies, we start with
a written plan will help you map out your retirement,
(17:57):
and then we'll look at how your four roh one
K and other ass that's fit into that plan. If
you'd like a copy of Safe Money Strategies, or if
you'd like to jump right to a complimentary four oh
one K review, just reach out. There's no cost, no pressure,
no obligation.
Speaker 10 (18:11):
That's right, whether you're forty fifty or already well into retirement,
it's never too late to get clarity and make informed decisions.
Speaker 9 (18:21):
That's what we're here for. Thanks again for joining us
on Safe Money Strategies on behalf of Greg Workman and
all of us at Kelly Financial I'm Mike d said,
We'll see you next time.
Speaker 1 (18:30):
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 (18:45):
Each week we take a moment to hear from Bill Kelly,
sharing his stories and the wisdom passed down through his family.
This week, Bill continues his reflections on his grandfather, Tim Murphy,
of the Sunday calls that never stopped, and the moving
story of his last ride with his grandfather, A moment
(19:07):
of love, dignity, and legacy.
Speaker 3 (19:11):
Here's Bill Kelly.
Speaker 8 (19:15):
Now. Time went on. My mom and dad wanted to retire,
and my dad finally retired from the fire department, and
my mom wanted to retire from the phone company, which
she did, and my grandfather gave up the farm. They
sold the farm and they bought a small condominium out
(19:36):
overlooking the water, and it looked pretty good. My grandfather
began to slip a little bit, but he could get
around and he was doing very very well. I went
away to school. I also went away to learn engineering
and avionics in Denver, and then I went into the
(19:57):
Air Force. I was an avionic specialist with computers back
in the seventies. Was very challenging and very exciting, and
I prided myself in how well I could do that job,
and it led to a terrifically great career, although short
lived in engineering and avionics, and very well paid I was,
(20:20):
but it also took me away from home. I called
my grandfather every Sunday night for my entire life, no
matter where I was on the face of the earth.
We talked and we spoke, and I remember before I
left home one night when I realized I was going
away to school. I had been working for a landscaping
(20:43):
company and geez lo and behold, they offered me a
huge raise right before leaving, and I came home to
let my grandfather know, Look, I'm going to be able
to stay here. They've offered me a tremendous raise. I'm
going to have a lot of work this winter, and
I think I can even start my own landscaping company.
So basically, what I was telling my grandfather was we
(21:06):
can stick together. Our team does not have to break
up here. And he looked at me. He was almost shocked.
He said, there is no way that you can stay here,
because if you do, you're not going to get any
type of education that you'll be needing to move you
ahead in life. And yes, you and I will have
a great time for the next five to ten years,
(21:29):
but pretty soon I'm going to be moving along. So
you have to find something that's going to secure you.
And in order to do that, your path is pretty
much set that you're going to go away from here
and you're going to learn. And he said you must
do it, and I was kind of shocked, but I
knew that's what had to happen. So off I went
(21:52):
to the Air Force Technical Institute in Denver, and as
time went by a couple of years, Grant began to
fall and he couldn't really maneuver as well as he did.
He was a big man, so when he fell, it
meant it was very difficult now for my parents to
lift him up. Now, he wasn't injured when he fell,
(22:15):
but he started to hit his head and lose his balance.
He never lost his ability to think or reason or
enjoy life, but it was just too much for him.
And then pretty soon the falls got to be a
little bit worse, and he fell one day and my
folks were out all night and they didn't know that
he had fallen, so he had a bad night on
(22:37):
the floor. So I got a call in New Mexico
sometime in nineteen seventy nine, and it was my mom
and she said, look, we haven't had a vacation in
three years. We can't pick Grandpa up anymore. He has
to go into a nursing home. But he won't go.
(22:58):
But he did say if you came back home home
and rode with him in the ambulance, he would go. So,
knowing what I knew and doing what I had to do,
I agreed to come back home. And I thought, you know,
I called the nursing home and they assured me that generally,
you know, people don't go in there and leave, but
(23:18):
he might be able to be brought back to health
and and then he could come back home again. So
I agreed. I flew back. I remember that flight. It
was back when the planes used to fly after midnight.
I think I got into Logan at three in the
morning or something. Drove all night to Newport. I got
(23:38):
there about probably four five in the morning. I you know,
went to sleep on the couch. I woke up about
ten ten in the morning, and I, you know, got up.
I looked for my mom dad. They made me some breakfast,
and then I said, where's Gramp. You know, he's not
(24:00):
up and and that had never happened my entire life,
that he hadn't been up in the morning. They said,
he's just not getting up today, you know. So I
went up to the top of the stairs and peeked
into his room, the same room it was all his life,
the same things in there. His flannel shirt was on
the chair, and his green work pants same. And I
(24:22):
looked in there and I went over to see him
and I said, are you there, Murph? And I used
to call him Murph, and he used to call me Murph.
He said, yeah, I'm here, Murph. What's going on? I said, well,
you know, they want you to go in so you
can get a little bit better care now and every day.
Is that okay, Gramp? And he said sure, that's okay.
(24:43):
Let me get dressed and you know, we'll take a ride.
I said, okay. So we called the hospital. They sent
out an emergency wagon as they called it then, and
I ate my breakfast. I got grabbed some coffee, and
he put on his flannel shirt with two pockets with buttons,
(25:04):
his green work pants, his black shoes, and we waited
for the ambulance to come. And they came in and
they wanted to put him in a stretcher, and he said, no,
just help me, and he walked in. He got up
the back of the ambulance and he sat on the
bench across from me. Believe it or not, he didn't
want to lay down. And we drove on and it
(25:28):
was about a eight mile drive. We drove and we
talked and he seemed to be okay. And then when
we got there, they said, mister Murphy, you're going to
have to get on this gurney and we're gonna have
to wheel you. Then we're going to get you into
a wheelchair. Get you admitted. He said, okay, I just
want a little bit. I just want to mint it
here with my grandson. So he looked at me. They
(25:49):
shut the door. He said, look, I know it's all
for the best, and I know you did the best
you could. He said, don't worry about me. These people
are going to treat me very well. And he reached
in his pocket and he unbuttoned it and he had
a there was a brown envelope in the pocket with
a passbook from Fleet Bank Industrial National. It's called and
(26:15):
he handed me the envelope, you know, after we had
hugged and kissed, and I was leaving, and he handed
me the envelope. He says, give this to your mother,
you know. And it was part of an account he
had set up for her and my dad for their retirement.
When I got home, I gave.
Speaker 1 (26:29):
It to my mom. Discover safe money Strategies with Kelly
Kelly and her team called Kelly Financial at eighty eight
eight hundred one or visit Kelly Financial dot org.
Speaker 11 (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 this source is deemed to be reliable, but
their accuracy and completeness cannot be guaranteed. The information provided
is general in nature and is not intended to be
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