August 16, 2025 • 27 mins
This week on Safe Money Strategies, Kelly and her son William unpack D.C.’s new crime crackdown, RFK Jr.’s push for fairer health coverage, and a few family wins including their Cairn Terrier Georgia’s unbelievable step count. Later, our financial experts cut through the market’s roughest months, show the sandwich generation how to protect their own retirement, and share a 10-year and 5-year checklist to keep your plan on track - ending with timeless wisdom from Bill Kelly.
Make Safe Money Strategies part of your Saturday night tradition.
Have questions or want to schedule a complimentary consultation? Call 888-800-1881 or email
kelly@kellyfinancial.org
Make Safe Money Strategies part of your Saturday night tradition.
Have questions or want to schedule a complimentary consultation? Call 888-800-1881 or email
kelly@kellyfinancial.org
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Discover safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial 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 this
evening is Mary Madeline Kelly, one of our wealth advisors.
How are you doing tonight, Hi.
Speaker 3 (00:27):
Greg, I'm doing great. Thanks for asking. I can't believe
summer will be coming to a close soon. I feel
like it just began. But I am very excited for
this month to end, specifically for the reason that I
will be getting a puppy in two weeks.
Speaker 2 (00:40):
This year has gone by way too quickly. I feel
like yesterday was New Year's Eve and now here we
are in August, and thank you very much for taking
on that responsibility. I'm super excited that we'll be getting
an office dog. Now, what breed is the office going
to be getting.
Speaker 3 (00:55):
She's Akakaboo, which is a mix between Cocker Spaniel and
a miniature poodle, and I am naming her Ta Lula
or Lula for sure. Currently her name is Watermelon because
she was born on the fourth of July. I am
just so excited for this addition to my life, but
I do have to be careful bringing her home to
my family because of our family dog, Georgia, she might
(01:16):
get a little jealous.
Speaker 2 (01:17):
That is a very patriotic dog. Have you thought about
calling her Sam? I bet overtime, Georgia will be excited
to welcome Lula into her world.
Speaker 3 (01:24):
You're probably right, And I'm excited for today's topic because
it's one that hits really close to home for a
lot of the families that we work with.
Speaker 2 (01:32):
Absolutely tonight, we're talking about the Sandwich generation, those folks
who are caught in the middle of caring for aging
parents while also supporting kids, sometimes even adult children.
Speaker 3 (01:41):
Yep, you're stuck between two slices of bread. Right on
one side, you've got rising elder care costs and navigating
medicare or long term care. On the other side, you're
helping your kids with college tuition, housing, or just getting
on their feet, and somehow you're still supposed to be
saving for your own retirement.
Speaker 2 (01:57):
It's a lot, and we're seeing more and more clients
than their fifth these in early sixties who feel pulled
in every direction emotionally physically and financially.
Speaker 3 (02:05):
One of the biggest risks we've seen is that people
in the situation often sacrifice their own retirement to help
everyone else. Whether that's dipping into their four oh one
K early, delaying contributions, or spending down savings to help
with a parent's care or a child's rent. It adds
up fast, and we.
Speaker 2 (02:23):
Always say, there are no scholarships for retirement. You can
borrow for college, you can sometimes even get help with
elder care, but if you short change your future self,
no one's coming to the rescue.
Speaker 3 (02:33):
That's such a good reminder. And here's another layer. Many
of our clients didn't plan on having these responsibilities all
at once. Maybe mom or dad's help decline suddenly, or
a child moves back in after college. It's rarely part
of the original plan.
Speaker 2 (02:47):
So what can people do? Let's share some practical advice.
First up, build a flexible financial plan. You want a
retirement plan that assumes life is going to throw.
Speaker 3 (02:56):
You some curveballs exactly, and that includes having a liquid
emergency fund. We usually recommend six to twelve months of
expenses in cash or high yield savings account, especially for
these Sandwich generation families.
Speaker 2 (03:08):
Second, it's important to have those hard conversations early. Talk
to your parents about their wishes, their healthcare directives, and
what financial support they may or may not have. The
same goes for your kids.
Speaker 3 (03:19):
Set boundaries if you need to, Yes, I always tell
clients being honest about what you can't do financially is
just as important as knowing what you can do. You're
not being selfish by protecting your retirement, You're being smart.
Speaker 2 (03:31):
Third strategy, use the resources available to you. That might
mean meeting with a financial advisor to organize your plan,
or looking at the long term care insurance for your
parents while they're still eligible, or even connecting with the
care coordinator or elder law attorney.
Speaker 3 (03:44):
And for the kids, don't forget five twenty nine plans
if college is still on the horizon, and if they're
already adults. Sometimes a simple budget or job guidance can
go a lot further than a check.
Speaker 2 (03:55):
Now, let's talk about guilt for a moment, because we
see this all the time. Clients feel guilty saying no.
But guilt doesn't grow your retirement account.
Speaker 3 (04:03):
No, it does not, And this is where working with
a financial advisor can help, because we're the neutral third party.
We can help clients see the big picture, prioritize their goals,
and make tough decisions without the emotional weight.
Speaker 2 (04:15):
And that's why we do what we do at Kelly Financial.
We've helped thousands of families create retirement income plans that
factor in these complexities, whether that's budgeting for caregiving costs,
optimizing Social Security, or just helping clients feel more confident
in their plan.
Speaker 3 (04:29):
So if you're in the Sandwich generation, you're not alone.
There is a way to support your loved ones and
take care of your future, but it does start with
a plan.
Speaker 2 (04:37):
Couldn't have said it better myself. If this sounds like
your life right now or someone you love, we'd be
happy to sit down with you. Give our office a
call to schedule a complementary consultation.
Speaker 3 (04:46):
Absolutely, and remember your retirement deserves just as much attention
as everyone else's needs. Put your oxygen mask on first.
Speaker 2 (04:54):
I like that analogy that wraps things up for tonight.
Speaker 1 (04:56):
Yeah, I look forward to our conversation next week.
Speaker 3 (04:59):
Me too. Great weekend.
Speaker 1 (05:02):
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 3 (05:13):
I believe that this nation should commit it so achieving the.
Speaker 4 (05:17):
Goal of landing a man on the Moon and returning
him safely to the.
Speaker 5 (05:21):
Earth six five four three two.
Speaker 6 (05:27):
One zero All engine rock.
Speaker 7 (05:32):
What's got on Apollo eleven?
Speaker 5 (05:33):
Remember those Apollo Moon missions? One of America's greatest adventures
and achievements too. The nation set a goal and then
realized it. What are your goals? At Kelly Financial Services,
We've got the right team and technology to help launch
your retirement planning. Let us help you set and reach
(05:53):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kellyfinancial dot org. Where do you
want to land?
Speaker 6 (06:06):
It's a thankalitybavior the angle I landed.
Speaker 5 (06:09):
We are Kelly Financial Services. Come retire with us Safe.
Speaker 1 (06:13):
Money Strategies with Kelly Kelly and her team called Kelly
Financial at eighty eight eight hundred and twenty and one,
or go to Kelly Financial dot org. That's Kelly at
Kelly Financial dot org. And we're back. Welcome to the
Safe Money Strategy Show. I'm William Kelly Junior here with
(06:35):
my favorite co host, the CEO of Kelly Financial Services,
and my mom, Kelly Kelly.
Speaker 7 (06:40):
Well, thank you, William. Is always a privilege to be here,
especially when we're talking about something that can make a
real difference in people's lives. If you're just tuning in,
we're a family run financial advisory firm and for twenty
two years we've been helping people protect and grow their
retirement savings with confidence and clarity. And for twenty years
(07:05):
we've been right here with you on the AM airwaves,
sharing strategies to help you plan for the retirement you've
worked so hard for.
Speaker 1 (07:14):
And today's topic is one that really fits that mission.
A retirement checklist for people who are about five years
away from stepping into the next chapter of life. I
like the word checklist because it's practical. Pilots use them,
surgeons use them, astronauts use them, so why not use
one for retirement Exactly.
Speaker 7 (07:29):
A good checklist isn't just a list of to dos.
It's a way to clarify your goals, take inventory of
where you are, and avoid costly last minute mistakes. It
turns something that feels overwhelming into a plan you can follow.
Speaker 1 (07:47):
And at five years out, every step you take has
a bigger impact because there's still time to make meaningful adjustments.
It's not too late and it's not too early, right.
Speaker 7 (07:56):
The five year mark is really a sweet spot. You've
got the end of your career in sight, but you
also have enough time to course correct if you need
to now.
Speaker 1 (08:06):
Earlier in the show, we covered what a checklist looks
like if you're ten years out from retirement, but today
we're focusing on that last stretch, the five year plan. So, Mom,
what's the first thing that should be on that list?
Speaker 7 (08:16):
Your retirement budget? And at five years out is time
to move from guessing to actually modeling it. Look at
your current expenses and compare them with your projected retirement income,
Social Security pensions, investments.
Speaker 1 (08:32):
And you always say to test drive that budget.
Speaker 7 (08:34):
Yes, live on that amount for a few months. You'll
find out pretty quickly if it works or if you
need to make changes. And it's a lot easier to
make adjustments now than after you've stopped working, you.
Speaker 1 (08:49):
Know, mom, What's interesting is how often people are surprised
when they actually test drive their retirement budget.
Speaker 7 (08:54):
That's true, someone might feel confident about their plan on paper,
but once they factor in travel, charitable giving, helping family,
and lifestyle extras like dining out or maintaining a second home,
they see it's easy to overshoot.
Speaker 1 (09:12):
And sometimes the surprises in the other direction they find
they can live more comfortably than they thought without straining
their long term plant exactly.
Speaker 7 (09:21):
Either way, testing your budget ahead of time gives you clarity.
It's about removing the guests work so you can make
confident decisions before you retire.
Speaker 1 (09:32):
And when we say budget, we mean everything right.
Speaker 7 (09:35):
Absolutely, housing, groceries, travel, healthcare, premiums, hobbies, gifts for the grandkids,
and the little extras you might not think of, like
that annual trip with friends or your morning coffee stops.
Those things matter because they're part of your life.
Speaker 1 (09:53):
What about work after retirement?
Speaker 7 (09:55):
More people are choosing to work in some capacity, part time, consulting,
or even starting a passion project. Financially, it can help
stretch your savings, and personally it can keep you connected,
challenged and engaged.
Speaker 1 (10:13):
But if you start Social Security early, you have to
be mindful of the income limit, right.
Speaker 7 (10:17):
That's right. If you earn over the limit before full
retirement age, part of your benefits could be withheld. That's
why I recommend setting up an online social security account,
reviewing your earning's history and running different claiming scenarios.
Speaker 1 (10:35):
I think this is also an area where people hear
broad advice and assume it applies to everyone, like the
idea that waiting until seventy is always the best choice.
Speaker 7 (10:43):
And that's not necessarily the case. Waiting can increase your
monthly check, but it's not one size fits all. Health,
family history and how your other income sources fit together
all play a role.
Speaker 1 (10:58):
And then there's the worry some people that social security
might run out right.
Speaker 7 (11:02):
Even with possible adjustments in the future, is not disappearing.
The key is understanding how it fits into your overall
income strategy, so you're making decisions based on facts, not fear.
Speaker 1 (11:18):
Okay, so after budget and social Security, what's next on the.
Speaker 7 (11:21):
Checklist your income inventory? Write down every source you have,
social Security, pensions, four oh one, k's IRA's annuities, rental income, everything,
Know which ones are taxable, which ones aren't, and when
each one starts.
Speaker 1 (11:41):
And this is where a lot of people are surprised.
Speaker 7 (11:43):
Yes, they forget about smaller accounts like an old four
oh one k they never rolled over, or they don't
realize how taxes will impact their withdrawals. It's better to
find out now than later.
Speaker 1 (11:56):
Healthcare is another big one at the stage. Medicare might
be just a few years way, but it doesn't cover
everything exactly.
Speaker 7 (12:03):
It doesn't cover dental, vision, hearing, AIDS, or most long
term care. Now's the time to compare metagap and Medicare
advantage plans so you understand your options. And if you
plan to retire before sixty five, you need to figure
out your bridge coverage, whether it's Cobra, the healthcare marketplace,
(12:25):
or a spouse's plan.
Speaker 1 (12:27):
And the last big item de risking your portfolio. And
de risking doesn't mean pulling everything out of the market.
Speaker 7 (12:33):
It's about balance exactly. Think of it like packing for
a trip. You would not put your passport in essentials
in a bag you could not have access to. You
keep the things you'll need first in a safe, easy
to reach place. Same with retirement. Protect the assets you'll
draw from in the first few years and let your
(12:55):
long term investments continue to work for you.
Speaker 1 (12:59):
That way, if the market shift in the short term,
it won't derail your immediate plans and you can stay
on track for the long run.
Speaker 7 (13:05):
Yes, five years out is a good time to rebalance,
shift from pure growth to a mix that protects what
you've built while you're still allowing for some growth. It's
not about eliminating all stocks or taking zero risk. It's
about making sure your investments match your comfort level and
(13:25):
your timeline.
Speaker 1 (13:26):
Which is exactly where you and the team at Kelly
Financial come in.
Speaker 7 (13:30):
Yes, we can run projections, recommend allocations, and make sure
you have a plan that supports your retirement goals without
taking unnecessary chances.
Speaker 1 (13:41):
So if you're listening right now and you're within that
five year window, this is the time to start.
Speaker 7 (13:45):
And will help you get going with a free copy
of my book, Retire Your Fear Plan Your Future is
full of clear, easy to follow strategies for every stage
of retirement planning.
Speaker 1 (13:58):
To get your copy and schedule a complimentary appointment, just
call eight eight eight eight hundred and twenty eight eight
one or email Kelly at Kelly Financial dot org.
Speaker 7 (14:05):
The sooner you start, the more options you'll have and
the less stressful the transition will be.
Speaker 1 (14:12):
We've been helping people plan and protect their retirement for
over twenty two years, and we're in our twenty if
year on the AM airwaves. We're not done yet. There's
more great advice ahead on safe money strategies, So stay
with us Safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred twenty and
(14:33):
eight one or go to Kelly Financial dot org. That's
Kelly at Kelly Financial dot org.
Speaker 7 (14:42):
I'm Kelly Kelly from Kelly Financial. Is your financial advisor
a fiduciary? In other words, are they legally required to
act in your best interest? My complimentary book, Retire Your Fear,
Plan Your Future, explains what a fiduciary is and will
help you understand if an advice is really putting you first.
For the book, call eight eight eight eight hundred and
(15:04):
eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.
Speaker 5 (15:13):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What Would Bill Say? The Wit and Wisdom
of the Late Bill Kelly. Today we'll address fact from fiction.
Speaker 8 (15:24):
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 5 (15:37):
Download Kelly Financial's Consumer Guide, simply called the value of
an objective opinion. With so much at stake with your
retirement future, you don't just want any financial advice, but
objective financial advice, and as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kelly Financial dot
(15:59):
org or call eight eight eight eight hundred and eighteen
eighty one to get the guide.
Speaker 8 (16:04):
Ladies and gentlemen sort fact from fiction.
Speaker 5 (16:07):
We are Kelly Financial Services. Come retire with us.
Speaker 4 (16:15):
Welcome back to safe money Strategies. I'm Mike du sat In.
Joining me on tonight's episode is Greg Workman. Greg, Let's
walk our listeners through the key components of a written
financial plan.
Speaker 9 (16:25):
Glad to Mike, A solid plan usually covers several important areas.
First and foremost, income planning, where we identify all your
income sources from social security to pensions, annuities and investment withdrawals.
This shows us how much money you can expect to
receive on a regular basis. Second, asset allocation, deciding how
(16:48):
your investments are divided amongst stocks, bonds, cash, and other
investment vehicles. This reflects your risk tolerance and retirement goals.
Speaker 4 (16:58):
That balance is key actually for retirees who need to
protect what they've saved but also want their money to
grow enough to keep pace with inflation.
Speaker 2 (17:06):
Right.
Speaker 9 (17:06):
Then there's risk management planning for potential market to clients.
Unexpected expenses like medical bills and inflations impact over time.
We also look at tax efficiency strategies to reduce taxes
on your income and withdrawals, helping you keep more of
what you've earned. Finally, estate planning basics, making sure your
(17:27):
assets go where you want with proper beneficiary designations and documentation.
Speaker 4 (17:33):
Greg I often remind clients that a financial plan isn't
something you do once and forget about it. It's a living,
breathing document exactly.
Speaker 9 (17:42):
Life changes like a new grandchild, health issues, or changes
in tax laws. They can all unpact your plan. That's
why we review plans regularly with clients to adjust and
keep everything on track.
Speaker 4 (17:55):
For retirees facing August and September's typical market volatile, What
are some actionable tips you'd share.
Speaker 9 (18:03):
Here are some practical steps. Limit checking your portfolio daily.
Constant market monitoring can fuel anxiety and create emotional reactions. Next,
stick to your withdrawal plan. Your plan outlines how much
you can safely take out, so avoid changing your withdrawals
based on market dips. Keep a cash reserve. Having one
(18:24):
to two years of living expenses in cash or very
safe investments helps you avoid selling stocks at a loss
during a market downturn. Next up, avoid chasing quote unquote
hot investments. These often carry more risk and can derail
your plan. And finally, communicate regularly with your advisor before
(18:45):
making any sudden moves or big moves. Get expert input.
Speaker 4 (18:49):
That's great advice, Greg. All these steps tie back to
having a solid plan in staying connected with a trusted advisor.
Speaker 9 (18:56):
That's why we encourage listeners to reach out to us
at Cally Financial Services if you're feeling uncertain or worried
about your retirement finances or market swings. We offer a complimentary,
no obligation consultation. We'll review your current situation, answer your questions,
and help you build or update a financial plan tailored
(19:18):
to your goals.
Speaker 4 (19:19):
There's no pressure, just honest, professional guidance to help you
feel confident about your future. So call us at eight
eight eight eight hundred eighteen eighty one or visit us
online at Kellyfinancial dot org.
Speaker 9 (19:32):
Remember, the biggest risk to your retirement savings is letting
your emotions drive your decisions. A solid financial plan and
ongoing communication are your best defenses against that risk.
Speaker 4 (19:44):
Thanks so much for joining us on Safe Money Strategies.
We hope tonight's episode helps you feel more prepared and secure.
Speaker 9 (19:50):
We look forward to partnering with you on your financial
journey with that. I'm Greg Workman.
Speaker 4 (19:56):
And I'm Mike you said, join us next week for
more safe money strategies.
Speaker 7 (20:03):
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 insurts your assets are allocated wisely, helping your
(20:24):
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 focus 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
(20:45):
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.
We're Kelly Financial.
Speaker 1 (21:00):
Retire with us discover safe money strategies with Kelly Kelly
and her team called Kelly Financial at eighty eight eight
hundred one one or visit Kelly Financial dot org.
Speaker 7 (21:14):
Bill Kelly had a way of making the past come alive,
not just in facts and dates, but in the sight, sounds,
and feelings of a moment in time. In this reflection,
he takes us inside his boyhood bedroom at Baileybrook Farm.
Through his eyes, we see snowy escapes out the window,
(21:34):
late night radio adventures, moments of joy, moments of loss,
and the quiet changes that come with growing up. It's
a journey through the seasons of youth, told by a
man who never forgot where he came from. Here's Bill Kelly.
Speaker 6 (21:51):
In my room where the side stream, I close my
eyes and drift through dreams.
Speaker 10 (22:04):
Bailey Brook Farm, the field side a young boy's hall
were memories reside.
Speaker 11 (22:15):
This is Bill Kelly. What was life like in my
room at Baileybrook Farm? On a morning in nineteen fifty four?
I woke up and looked through the screen in my
crib to see Graham's green khaki pants and wool plaid
shirt with two buttoned down pockets still hanging on his chair.
He was sitting on the end of the bed in
his undershorts and a white T shirt. Graham took a
(22:36):
camel cigarette from the wool's shirt pocket and lit it,
smoking it to the very end and then flicking the
ashes into his hand. When he had taken the last puff,
he spat into the palm of his hand and put
the camel out in the small pool of spit. Then
he went into the bathroom and flushed it down the toilet,
washed his hands, and came back to get dressed and
(22:56):
make breakfast. The day had begun nineteen fifty seven. I
could open the window of my new bedroom on the
second floor and slide to the ground on a snow
drift that reached the window sill. I had to sneak
back into the house through the kitchen to repeat the
act unnoticed by my parents. Nineteen fifty nine, I sat
on the oak floor in my room with the new
chemistry set my brother had gotten for Christmas. We were
(23:19):
home from school for the day as a result of
a blizzard. I managed to catch my pajamas on fire,
then extinguish it by using a blanket. The flames were gone,
but the house smelled of fire and smoke. I had
to go downstairs and get Gramped for help. He was
more worried than angry as usual. Nineteen sixty one, my
new room was on the second floor and overlooked a
(23:41):
large field. Two of my older brothers had left home,
allowing for a realignment of quarters. I found our original
television from the early fifties. My folks were planning to
bring it to the dump during winter break. I dragged
it up the stairs and crafted a primitive stand from
cinder blocks and an old door. I brought all the
two tubes to J and S Electronics and tested them,
(24:02):
using money from my paper route to replace the bad
tubes with new ones, purchased a cheap antenna, and finally
had my own television, a twenty inch Zenith in my
bedroom that first night, with a feeling of total satisfaction.
I watched a Little Shop of Horrors on Creature Features
nineteen sixty two. On summer nights, I would listen to
programs from all over the country on a crystal radio
(24:24):
I had built. When radio waves from distant cities bounced
off the ionosphere then traveled thousands of miles back to
a radio receiver, it was called skip. Sometimes I would
receive signals from New York. I remember listening to the
Joe pineeshow late one Saturday night. Many times I read
books and magazines under the bedspread using a flashlight, far
(24:44):
into the night and sometimes until daybreak. Nineteen sixty three,
I cried inconsolably in bed the night my grandmother passed away.
I cried even more thinking about the fact that someday
Graham too would be gone. On the way back from
the funeral, my cousin Donnie told me he was sorry
I was so close to gramp as eventually I would
have to bear the loss. He predicted it would be devastating. Ironically,
(25:08):
Donnie passed before gramp on an unsinkable offshore oil rig
during a hurricane at age twenty nine, nineteen sixty three,
I rushed home from school to turn on the television
and watch a press conference with President Kennedy. Mom brought
the ironing board into my room and she and Gramp
watched the press conference with me. On the bedroom wall
(25:28):
was a list I had made that included all the
members of his cabinet. Later that year, President Kennedy was killed.
I cried all through the night. I begged God to
reverse it and to take me in his place so
he could return to the nation and his family. Nineteen seventy,
Graham had become ill, and I spent the first night
of my life at the house without him. He was
(25:50):
at the hospital. I lay in bed all night and
stared at the ceiling until daybreak. Nineteen seventy five, it
was my last night at home. I had out for
parts unknown. The team was breaking up, and I didn't
have the wherewithal to realize it until the morning. During
the next thirty years, I was never to return home
(26:11):
to bailey Brook Farm again for any length of time.
Speaker 10 (26:17):
In the sum.
Speaker 5 (26:20):
Locos Laughter.
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 5 (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.
Call Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial 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 this
evening is Mary Madeline Kelly, one of our wealth advisors.
How are you doing tonight, Hi.
Speaker 3 (00:27):
Greg, I'm doing great. Thanks for asking. I can't believe
summer will be coming to a close soon. I feel
like it just began. But I am very excited for
this month to end, specifically for the reason that I
will be getting a puppy in two weeks.
Speaker 2 (00:40):
This year has gone by way too quickly. I feel
like yesterday was New Year's Eve and now here we
are in August, and thank you very much for taking
on that responsibility. I'm super excited that we'll be getting
an office dog. Now, what breed is the office going
to be getting.
Speaker 3 (00:55):
She's Akakaboo, which is a mix between Cocker Spaniel and
a miniature poodle, and I am naming her Ta Lula
or Lula for sure. Currently her name is Watermelon because
she was born on the fourth of July. I am
just so excited for this addition to my life, but
I do have to be careful bringing her home to
my family because of our family dog, Georgia, she might
(01:16):
get a little jealous.
Speaker 2 (01:17):
That is a very patriotic dog. Have you thought about
calling her Sam? I bet overtime, Georgia will be excited
to welcome Lula into her world.
Speaker 3 (01:24):
You're probably right, And I'm excited for today's topic because
it's one that hits really close to home for a
lot of the families that we work with.
Speaker 2 (01:32):
Absolutely tonight, we're talking about the Sandwich generation, those folks
who are caught in the middle of caring for aging
parents while also supporting kids, sometimes even adult children.
Speaker 3 (01:41):
Yep, you're stuck between two slices of bread. Right on
one side, you've got rising elder care costs and navigating
medicare or long term care. On the other side, you're
helping your kids with college tuition, housing, or just getting
on their feet, and somehow you're still supposed to be
saving for your own retirement.
Speaker 2 (01:57):
It's a lot, and we're seeing more and more clients
than their fifth these in early sixties who feel pulled
in every direction emotionally physically and financially.
Speaker 3 (02:05):
One of the biggest risks we've seen is that people
in the situation often sacrifice their own retirement to help
everyone else. Whether that's dipping into their four oh one
K early, delaying contributions, or spending down savings to help
with a parent's care or a child's rent. It adds
up fast, and we.
Speaker 2 (02:23):
Always say, there are no scholarships for retirement. You can
borrow for college, you can sometimes even get help with
elder care, but if you short change your future self,
no one's coming to the rescue.
Speaker 3 (02:33):
That's such a good reminder. And here's another layer. Many
of our clients didn't plan on having these responsibilities all
at once. Maybe mom or dad's help decline suddenly, or
a child moves back in after college. It's rarely part
of the original plan.
Speaker 2 (02:47):
So what can people do? Let's share some practical advice.
First up, build a flexible financial plan. You want a
retirement plan that assumes life is going to throw.
Speaker 3 (02:56):
You some curveballs exactly, and that includes having a liquid
emergency fund. We usually recommend six to twelve months of
expenses in cash or high yield savings account, especially for
these Sandwich generation families.
Speaker 2 (03:08):
Second, it's important to have those hard conversations early. Talk
to your parents about their wishes, their healthcare directives, and
what financial support they may or may not have. The
same goes for your kids.
Speaker 3 (03:19):
Set boundaries if you need to, Yes, I always tell
clients being honest about what you can't do financially is
just as important as knowing what you can do. You're
not being selfish by protecting your retirement, You're being smart.
Speaker 2 (03:31):
Third strategy, use the resources available to you. That might
mean meeting with a financial advisor to organize your plan,
or looking at the long term care insurance for your
parents while they're still eligible, or even connecting with the
care coordinator or elder law attorney.
Speaker 3 (03:44):
And for the kids, don't forget five twenty nine plans
if college is still on the horizon, and if they're
already adults. Sometimes a simple budget or job guidance can
go a lot further than a check.
Speaker 2 (03:55):
Now, let's talk about guilt for a moment, because we
see this all the time. Clients feel guilty saying no.
But guilt doesn't grow your retirement account.
Speaker 3 (04:03):
No, it does not, And this is where working with
a financial advisor can help, because we're the neutral third party.
We can help clients see the big picture, prioritize their goals,
and make tough decisions without the emotional weight.
Speaker 2 (04:15):
And that's why we do what we do at Kelly Financial.
We've helped thousands of families create retirement income plans that
factor in these complexities, whether that's budgeting for caregiving costs,
optimizing Social Security, or just helping clients feel more confident
in their plan.
Speaker 3 (04:29):
So if you're in the Sandwich generation, you're not alone.
There is a way to support your loved ones and
take care of your future, but it does start with
a plan.
Speaker 2 (04:37):
Couldn't have said it better myself. If this sounds like
your life right now or someone you love, we'd be
happy to sit down with you. Give our office a
call to schedule a complementary consultation.
Speaker 3 (04:46):
Absolutely, and remember your retirement deserves just as much attention
as everyone else's needs. Put your oxygen mask on first.
Speaker 2 (04:54):
I like that analogy that wraps things up for tonight.
Speaker 1 (04:56):
Yeah, I look forward to our conversation next week.
Speaker 3 (04:59):
Me too. Great weekend.
Speaker 1 (05:02):
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 3 (05:13):
I believe that this nation should commit it so achieving the.
Speaker 4 (05:17):
Goal of landing a man on the Moon and returning
him safely to the.
Speaker 5 (05:21):
Earth six five four three two.
Speaker 6 (05:27):
One zero All engine rock.
Speaker 7 (05:32):
What's got on Apollo eleven?
Speaker 5 (05:33):
Remember those Apollo Moon missions? One of America's greatest adventures
and achievements too. The nation set a goal and then
realized it. What are your goals? At Kelly Financial Services,
We've got the right team and technology to help launch
your retirement planning. Let us help you set and reach
(05:53):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kellyfinancial dot org. Where do you
want to land?
Speaker 6 (06:06):
It's a thankalitybavior the angle I landed.
Speaker 5 (06:09):
We are Kelly Financial Services. Come retire with us Safe.
Speaker 1 (06:13):
Money Strategies with Kelly Kelly and her team called Kelly
Financial at eighty eight eight hundred and twenty and one,
or go to Kelly Financial dot org. That's Kelly at
Kelly Financial dot org. And we're back. Welcome to the
Safe Money Strategy Show. I'm William Kelly Junior here with
(06:35):
my favorite co host, the CEO of Kelly Financial Services,
and my mom, Kelly Kelly.
Speaker 7 (06:40):
Well, thank you, William. Is always a privilege to be here,
especially when we're talking about something that can make a
real difference in people's lives. If you're just tuning in,
we're a family run financial advisory firm and for twenty
two years we've been helping people protect and grow their
retirement savings with confidence and clarity. And for twenty years
(07:05):
we've been right here with you on the AM airwaves,
sharing strategies to help you plan for the retirement you've
worked so hard for.
Speaker 1 (07:14):
And today's topic is one that really fits that mission.
A retirement checklist for people who are about five years
away from stepping into the next chapter of life. I
like the word checklist because it's practical. Pilots use them,
surgeons use them, astronauts use them, so why not use
one for retirement Exactly.
Speaker 7 (07:29):
A good checklist isn't just a list of to dos.
It's a way to clarify your goals, take inventory of
where you are, and avoid costly last minute mistakes. It
turns something that feels overwhelming into a plan you can follow.
Speaker 1 (07:47):
And at five years out, every step you take has
a bigger impact because there's still time to make meaningful adjustments.
It's not too late and it's not too early, right.
Speaker 7 (07:56):
The five year mark is really a sweet spot. You've
got the end of your career in sight, but you
also have enough time to course correct if you need
to now.
Speaker 1 (08:06):
Earlier in the show, we covered what a checklist looks
like if you're ten years out from retirement, but today
we're focusing on that last stretch, the five year plan. So, Mom,
what's the first thing that should be on that list?
Speaker 7 (08:16):
Your retirement budget? And at five years out is time
to move from guessing to actually modeling it. Look at
your current expenses and compare them with your projected retirement income,
Social Security pensions, investments.
Speaker 1 (08:32):
And you always say to test drive that budget.
Speaker 7 (08:34):
Yes, live on that amount for a few months. You'll
find out pretty quickly if it works or if you
need to make changes. And it's a lot easier to
make adjustments now than after you've stopped working, you.
Speaker 1 (08:49):
Know, mom, What's interesting is how often people are surprised
when they actually test drive their retirement budget.
Speaker 7 (08:54):
That's true, someone might feel confident about their plan on paper,
but once they factor in travel, charitable giving, helping family,
and lifestyle extras like dining out or maintaining a second home,
they see it's easy to overshoot.
Speaker 1 (09:12):
And sometimes the surprises in the other direction they find
they can live more comfortably than they thought without straining
their long term plant exactly.
Speaker 7 (09:21):
Either way, testing your budget ahead of time gives you clarity.
It's about removing the guests work so you can make
confident decisions before you retire.
Speaker 1 (09:32):
And when we say budget, we mean everything right.
Speaker 7 (09:35):
Absolutely, housing, groceries, travel, healthcare, premiums, hobbies, gifts for the grandkids,
and the little extras you might not think of, like
that annual trip with friends or your morning coffee stops.
Those things matter because they're part of your life.
Speaker 1 (09:53):
What about work after retirement?
Speaker 7 (09:55):
More people are choosing to work in some capacity, part time, consulting,
or even starting a passion project. Financially, it can help
stretch your savings, and personally it can keep you connected,
challenged and engaged.
Speaker 1 (10:13):
But if you start Social Security early, you have to
be mindful of the income limit, right.
Speaker 7 (10:17):
That's right. If you earn over the limit before full
retirement age, part of your benefits could be withheld. That's
why I recommend setting up an online social security account,
reviewing your earning's history and running different claiming scenarios.
Speaker 1 (10:35):
I think this is also an area where people hear
broad advice and assume it applies to everyone, like the
idea that waiting until seventy is always the best choice.
Speaker 7 (10:43):
And that's not necessarily the case. Waiting can increase your
monthly check, but it's not one size fits all. Health,
family history and how your other income sources fit together
all play a role.
Speaker 1 (10:58):
And then there's the worry some people that social security
might run out right.
Speaker 7 (11:02):
Even with possible adjustments in the future, is not disappearing.
The key is understanding how it fits into your overall
income strategy, so you're making decisions based on facts, not fear.
Speaker 1 (11:18):
Okay, so after budget and social Security, what's next on the.
Speaker 7 (11:21):
Checklist your income inventory? Write down every source you have,
social Security, pensions, four oh one, k's IRA's annuities, rental income, everything,
Know which ones are taxable, which ones aren't, and when
each one starts.
Speaker 1 (11:41):
And this is where a lot of people are surprised.
Speaker 7 (11:43):
Yes, they forget about smaller accounts like an old four
oh one k they never rolled over, or they don't
realize how taxes will impact their withdrawals. It's better to
find out now than later.
Speaker 1 (11:56):
Healthcare is another big one at the stage. Medicare might
be just a few years way, but it doesn't cover
everything exactly.
Speaker 7 (12:03):
It doesn't cover dental, vision, hearing, AIDS, or most long
term care. Now's the time to compare metagap and Medicare
advantage plans so you understand your options. And if you
plan to retire before sixty five, you need to figure
out your bridge coverage, whether it's Cobra, the healthcare marketplace,
(12:25):
or a spouse's plan.
Speaker 1 (12:27):
And the last big item de risking your portfolio. And
de risking doesn't mean pulling everything out of the market.
Speaker 7 (12:33):
It's about balance exactly. Think of it like packing for
a trip. You would not put your passport in essentials
in a bag you could not have access to. You
keep the things you'll need first in a safe, easy
to reach place. Same with retirement. Protect the assets you'll
draw from in the first few years and let your
(12:55):
long term investments continue to work for you.
Speaker 1 (12:59):
That way, if the market shift in the short term,
it won't derail your immediate plans and you can stay
on track for the long run.
Speaker 7 (13:05):
Yes, five years out is a good time to rebalance,
shift from pure growth to a mix that protects what
you've built while you're still allowing for some growth. It's
not about eliminating all stocks or taking zero risk. It's
about making sure your investments match your comfort level and
(13:25):
your timeline.
Speaker 1 (13:26):
Which is exactly where you and the team at Kelly
Financial come in.
Speaker 7 (13:30):
Yes, we can run projections, recommend allocations, and make sure
you have a plan that supports your retirement goals without
taking unnecessary chances.
Speaker 1 (13:41):
So if you're listening right now and you're within that
five year window, this is the time to start.
Speaker 7 (13:45):
And will help you get going with a free copy
of my book, Retire Your Fear Plan Your Future is
full of clear, easy to follow strategies for every stage
of retirement planning.
Speaker 1 (13:58):
To get your copy and schedule a complimentary appointment, just
call eight eight eight eight hundred and twenty eight eight
one or email Kelly at Kelly Financial dot org.
Speaker 7 (14:05):
The sooner you start, the more options you'll have and
the less stressful the transition will be.
Speaker 1 (14:12):
We've been helping people plan and protect their retirement for
over twenty two years, and we're in our twenty if
year on the AM airwaves. We're not done yet. There's
more great advice ahead on safe money strategies, So stay
with us Safe money strategies with Kelly Kelly and her team.
Call Kelly Financial at eighty eight eight hundred twenty and
(14:33):
eight one or go to Kelly Financial dot org. That's
Kelly at Kelly Financial dot org.
Speaker 7 (14:42):
I'm Kelly Kelly from Kelly Financial. Is your financial advisor
a fiduciary? In other words, are they legally required to
act in your best interest? My complimentary book, Retire Your Fear,
Plan Your Future, explains what a fiduciary is and will
help you understand if an advice is really putting you first.
For the book, call eight eight eight eight hundred and
(15:04):
eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.
Speaker 5 (15:13):
I'm John Boudris, and welcome to a new edition of
Kelly Financial's What Would Bill Say? The Wit and Wisdom
of the Late Bill Kelly. Today we'll address fact from fiction.
Speaker 8 (15:24):
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 5 (15:37):
Download Kelly Financial's Consumer Guide, simply called the value of
an objective opinion. With so much at stake with your
retirement future, you don't just want any financial advice, but
objective financial advice, and as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kelly Financial dot
(15:59):
org or call eight eight eight eight hundred and eighteen
eighty one to get the guide.
Speaker 8 (16:04):
Ladies and gentlemen sort fact from fiction.
Speaker 5 (16:07):
We are Kelly Financial Services. Come retire with us.
Speaker 4 (16:15):
Welcome back to safe money Strategies. I'm Mike du sat In.
Joining me on tonight's episode is Greg Workman. Greg, Let's
walk our listeners through the key components of a written
financial plan.
Speaker 9 (16:25):
Glad to Mike, A solid plan usually covers several important areas.
First and foremost, income planning, where we identify all your
income sources from social security to pensions, annuities and investment withdrawals.
This shows us how much money you can expect to
receive on a regular basis. Second, asset allocation, deciding how
(16:48):
your investments are divided amongst stocks, bonds, cash, and other
investment vehicles. This reflects your risk tolerance and retirement goals.
Speaker 4 (16:58):
That balance is key actually for retirees who need to
protect what they've saved but also want their money to
grow enough to keep pace with inflation.
Speaker 2 (17:06):
Right.
Speaker 9 (17:06):
Then there's risk management planning for potential market to clients.
Unexpected expenses like medical bills and inflations impact over time.
We also look at tax efficiency strategies to reduce taxes
on your income and withdrawals, helping you keep more of
what you've earned. Finally, estate planning basics, making sure your
(17:27):
assets go where you want with proper beneficiary designations and documentation.
Speaker 4 (17:33):
Greg I often remind clients that a financial plan isn't
something you do once and forget about it. It's a living,
breathing document exactly.
Speaker 9 (17:42):
Life changes like a new grandchild, health issues, or changes
in tax laws. They can all unpact your plan. That's
why we review plans regularly with clients to adjust and
keep everything on track.
Speaker 4 (17:55):
For retirees facing August and September's typical market volatile, What
are some actionable tips you'd share.
Speaker 9 (18:03):
Here are some practical steps. Limit checking your portfolio daily.
Constant market monitoring can fuel anxiety and create emotional reactions. Next,
stick to your withdrawal plan. Your plan outlines how much
you can safely take out, so avoid changing your withdrawals
based on market dips. Keep a cash reserve. Having one
(18:24):
to two years of living expenses in cash or very
safe investments helps you avoid selling stocks at a loss
during a market downturn. Next up, avoid chasing quote unquote
hot investments. These often carry more risk and can derail
your plan. And finally, communicate regularly with your advisor before
(18:45):
making any sudden moves or big moves. Get expert input.
Speaker 4 (18:49):
That's great advice, Greg. All these steps tie back to
having a solid plan in staying connected with a trusted advisor.
Speaker 9 (18:56):
That's why we encourage listeners to reach out to us
at Cally Financial Services if you're feeling uncertain or worried
about your retirement finances or market swings. We offer a complimentary,
no obligation consultation. We'll review your current situation, answer your questions,
and help you build or update a financial plan tailored
(19:18):
to your goals.
Speaker 4 (19:19):
There's no pressure, just honest, professional guidance to help you
feel confident about your future. So call us at eight
eight eight eight hundred eighteen eighty one or visit us
online at Kellyfinancial dot org.
Speaker 9 (19:32):
Remember, the biggest risk to your retirement savings is letting
your emotions drive your decisions. A solid financial plan and
ongoing communication are your best defenses against that risk.
Speaker 4 (19:44):
Thanks so much for joining us on Safe Money Strategies.
We hope tonight's episode helps you feel more prepared and secure.
Speaker 9 (19:50):
We look forward to partnering with you on your financial
journey with that. I'm Greg Workman.
Speaker 4 (19:56):
And I'm Mike you said, join us next week for
more safe money strategies.
Speaker 7 (20:03):
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 insurts your assets are allocated wisely, helping your
(20:24):
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 focus 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
(20:45):
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.
We're Kelly Financial.
Speaker 1 (21:00):
Retire with us discover safe money strategies with Kelly Kelly
and her team called Kelly Financial at eighty eight eight
hundred one one or visit Kelly Financial dot org.
Speaker 7 (21:14):
Bill Kelly had a way of making the past come alive,
not just in facts and dates, but in the sight, sounds,
and feelings of a moment in time. In this reflection,
he takes us inside his boyhood bedroom at Baileybrook Farm.
Through his eyes, we see snowy escapes out the window,
(21:34):
late night radio adventures, moments of joy, moments of loss,
and the quiet changes that come with growing up. It's
a journey through the seasons of youth, told by a
man who never forgot where he came from. Here's Bill Kelly.
Speaker 6 (21:51):
In my room where the side stream, I close my
eyes and drift through dreams.
Speaker 10 (22:04):
Bailey Brook Farm, the field side a young boy's hall
were memories reside.
Speaker 11 (22:15):
This is Bill Kelly. What was life like in my
room at Baileybrook Farm? On a morning in nineteen fifty four?
I woke up and looked through the screen in my
crib to see Graham's green khaki pants and wool plaid
shirt with two buttoned down pockets still hanging on his chair.
He was sitting on the end of the bed in
his undershorts and a white T shirt. Graham took a
(22:36):
camel cigarette from the wool's shirt pocket and lit it,
smoking it to the very end and then flicking the
ashes into his hand. When he had taken the last puff,
he spat into the palm of his hand and put
the camel out in the small pool of spit. Then
he went into the bathroom and flushed it down the toilet,
washed his hands, and came back to get dressed and
(22:56):
make breakfast. The day had begun nineteen fifty seven. I
could open the window of my new bedroom on the
second floor and slide to the ground on a snow
drift that reached the window sill. I had to sneak
back into the house through the kitchen to repeat the
act unnoticed by my parents. Nineteen fifty nine, I sat
on the oak floor in my room with the new
chemistry set my brother had gotten for Christmas. We were
(23:19):
home from school for the day as a result of
a blizzard. I managed to catch my pajamas on fire,
then extinguish it by using a blanket. The flames were gone,
but the house smelled of fire and smoke. I had
to go downstairs and get Gramped for help. He was
more worried than angry as usual. Nineteen sixty one, my
new room was on the second floor and overlooked a
(23:41):
large field. Two of my older brothers had left home,
allowing for a realignment of quarters. I found our original
television from the early fifties. My folks were planning to
bring it to the dump during winter break. I dragged
it up the stairs and crafted a primitive stand from
cinder blocks and an old door. I brought all the
two tubes to J and S Electronics and tested them,
(24:02):
using money from my paper route to replace the bad
tubes with new ones, purchased a cheap antenna, and finally
had my own television, a twenty inch Zenith in my
bedroom that first night, with a feeling of total satisfaction.
I watched a Little Shop of Horrors on Creature Features
nineteen sixty two. On summer nights, I would listen to
programs from all over the country on a crystal radio
(24:24):
I had built. When radio waves from distant cities bounced
off the ionosphere then traveled thousands of miles back to
a radio receiver, it was called skip. Sometimes I would
receive signals from New York. I remember listening to the
Joe pineeshow late one Saturday night. Many times I read
books and magazines under the bedspread using a flashlight, far
(24:44):
into the night and sometimes until daybreak. Nineteen sixty three,
I cried inconsolably in bed the night my grandmother passed away.
I cried even more thinking about the fact that someday
Graham too would be gone. On the way back from
the funeral, my cousin Donnie told me he was sorry
I was so close to gramp as eventually I would
have to bear the loss. He predicted it would be devastating. Ironically,
(25:08):
Donnie passed before gramp on an unsinkable offshore oil rig
during a hurricane at age twenty nine, nineteen sixty three,
I rushed home from school to turn on the television
and watch a press conference with President Kennedy. Mom brought
the ironing board into my room and she and Gramp
watched the press conference with me. On the bedroom wall
(25:28):
was a list I had made that included all the
members of his cabinet. Later that year, President Kennedy was killed.
I cried all through the night. I begged God to
reverse it and to take me in his place so
he could return to the nation and his family. Nineteen seventy,
Graham had become ill, and I spent the first night
of my life at the house without him. He was
(25:50):
at the hospital. I lay in bed all night and
stared at the ceiling until daybreak. Nineteen seventy five, it
was my last night at home. I had out for
parts unknown. The team was breaking up, and I didn't
have the wherewithal to realize it until the morning. During
the next thirty years, I was never to return home
(26:11):
to bailey Brook Farm again for any length of time.
Speaker 10 (26:17):
In the sum.
Speaker 5 (26:20):
Locos Laughter.
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 5 (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.
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