August 2, 2025 • 24 mins
From family transitions to financial transformations, this week’s Safe Money Strategies sets a new gold standard for what it means to retire with heart and purpose. Kelly and William Kelly Jr. open with a powerful Forever Young segment, reflecting on their family’s journey helping their beloved patriarch transition into independent living and how that same level of care inspires their approach to business. You’ll also hear from Kelly Financial’s trusted fiduciary advisors, who offer timely insight into protecting your assets, managing market uncertainty, and building a retirement plan that truly supports the life you want to live. From brain health and daily routines to financial confidence and lasting values, this hour is packed with strategies for living well now and in the future. And finally, the show closes with timeless reflections from the late Bill Kelly - a voice still cherished reminding us that in a world that’s always changing, some values are meant to last. Make Safe Money Strategies part of your Saturday night tradition. Have questions or want to schedule a complimentary consultation? Call 888-800-1881 or email kelly@kellyfinancial.org
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Episode Transcript
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Speaker 1 (00:03):
Good evening and welcome to Safe Money Strategies right here
on WBZ News Radio. I'm Kelly Kelly, founder of Kelly
Financial Services, and your host tonight. I'm so glad you're
with us. Every Saturday night at nine pm, we bring
you real conversations about retirement, resilience and protecting the life
(00:27):
you've worked so hard to build. We're a proud, family
run firm based right here in New England, and for
over twenty two years, we've helped thousands of families plan
for the next chapter with clarity and confidence. You may
know us from our two decades on the AM airwaves,
and now we're thrilled to bring that same trusted voice
(00:50):
to WBZ. This show is about more than just money.
It's about peace of mind purpose in making smart decisions
that support the people you love. Each week, I'm joined
by my children, William Kelly Junior and Mary Madeline Kelly,
along with our incredible team of fiduciary advisors. Together, we
(01:11):
share practical strategies, personal stories, and a few laughs along
the way. We'll cover everything from inflation and taxes to
income planning, market trends, and how to leave a lasting legacy.
Because retirement isn't. The end of the story is the
beginning of a new one. So if you're winding down
(01:32):
for the evening, pour something relaxing, settle in and spend
a little time with us. You're in good company and
we're glad you're here. This is Safe Money Strategies where family, finance,
and your future come together.
Speaker 2 (01:50):
Safe Money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred and twenty and
one or go to Kelly Financial dot org. That's Kelly
at Kelly Financial dot org.
Speaker 1 (02:08):
Each week on Safe Money Strategies, we take a moment
to step back from the headlines and have a real conversation,
the kind you might have around the kitchen table. This
is a part of the show we call Forever Young.
It's where I sit down with my son, William Kelly Junior,
and we talk about life, what's going on in the world,
(02:29):
in our family, and what really matters most when you're
planning for the future. Sometimes is light, sometimes is thoughtful,
but is always real. Good evening, William, how are you good?
Speaker 2 (02:42):
Evening?
Speaker 1 (02:42):
Mom?
Speaker 3 (02:42):
I'm well in yourself, I'm doing great.
Speaker 4 (02:45):
Well. We have a special guest here today, ladies and gentlemen.
Speaker 2 (02:48):
And for our listeners in WBZ, you may not be
familiar with her, but her name is Georgia Kelly. And
unfortunately she doesn't speak any English, but she does talk
a little bit.
Speaker 3 (02:57):
I'm not sure you guys can hear that.
Speaker 4 (03:00):
Come here, baby, say some words, speak some puppy okay.
So Georgia has a mind of her own.
Speaker 2 (03:07):
So whenever you want her to do something, she won't
do it. But when you don't need her to do something,
that's when she starts to do it. But she is
very adorable, ladies and gentlemen. And if you've ever seen
the Wizard of Oz, she's the same breed in color
as Toto. But get this, she's cuter.
Speaker 1 (03:22):
I knew you were going to say that.
Speaker 4 (03:24):
She even agrees with me.
Speaker 2 (03:25):
She's looking at me with these eyes like I could,
I know, give up everything and just give it to her,
like the cutest dog on earth. It's like she reaches
into your soul. Ladies and gentlemen, you better not have
any tasty food around her because she's not the traditional beggar.
Speaker 1 (03:41):
Well it doesn't work with me, yeah, because you know
the strategy exactly. So and I know it's not good
for her, so I do not cave. It's like she
looks directly into your soul and she's just like, I
love you so much, and I'm not gonna cause a ruckus.
I don't want to discomfort anyone. Please give me some
(04:03):
of your food.
Speaker 2 (04:04):
It's psychological torture. So Georgia, George's living life. She's getting
all sorts of we're tracking her steps with the Callar revention.
A couple of weeks ago, she's getting about forty thousand
on average, usually about fifty now fifty thousands.
Speaker 4 (04:16):
What is the max?
Speaker 1 (04:17):
What's the max?
Speaker 2 (04:18):
Her highest I think is like sixty three sixty five
thousand in one day.
Speaker 1 (04:22):
This has been on several occasions, Yes, it has, which
is just I'm so proud of her.
Speaker 2 (04:28):
She's gonna win the step competition on the app. I
just know her.
Speaker 4 (04:31):
I know she'll be She'll be the best.
Speaker 5 (04:33):
Yeah.
Speaker 1 (04:34):
I was tracking her when I when I left to
visit my father in Georgia.
Speaker 4 (04:39):
H Hoppy, my grandfather.
Speaker 2 (04:41):
Yeah, he is now officially ladies and gentlemen in an
independent living home. He is in this beautiful it looks
like a ranch like this gorgeous Georgios with these incredible people.
And he is not an assisted living he is he's
still independent, and I mean he's lord.
Speaker 4 (05:00):
He's independent.
Speaker 2 (05:00):
He runs a farm, and he's finally retiring. Ladies and gentlemen.
He's going to be in a great community. He's going
to still be able to drive. He's gonna he's gonna
have all his meals prepared for him, Southern comfort food.
Speaker 4 (05:14):
Yesterday.
Speaker 1 (05:15):
I had launched there a couple of times. It's wonderful.
They even they have their own head of cattle. They
have I'm trying to think maybe not. I think it's
like maybe fifty And they use their own beef, and
they have gardens so their food comes from their gardens.
Speaker 4 (05:38):
That's pretty incredible.
Speaker 1 (05:39):
And they have It's just it's really great. And his
family owned and four generations and they were everyone was involved.
It is just they have a great team. And I've
just been very much so impressed. And it was I
(05:59):
knew I had to be there for this move and
this transition, and I knew it would take some time. Yeah,
and because it's different, he's been the same home for
sixty five years.
Speaker 4 (06:12):
Incredible.
Speaker 1 (06:13):
My mother, your grandmother, passing five years ago, and that
was a big change for him, of course, but this
is not far from his farm, and and he has
his truck there, and so this has just been a
very positive event.
Speaker 4 (06:32):
Yes it has. And George is very happy about it.
She's hopping on my lap.
Speaker 2 (06:36):
And I'm very happy about it because I feel like
you don't always get the opportunity to have these places
for your parents. It's really really convenient, and it's really
and it's not even convenient in a bad way, it's
really positive, like it's an amazing place.
Speaker 1 (06:53):
It really is. And when and I've told, I've told
several close friends, but they're first response was, I am
so sorry.
Speaker 2 (07:03):
Some people in our lives perceive it very negatively.
Speaker 4 (07:06):
But it really isn't. I mean, at least the place
that he's at.
Speaker 1 (07:09):
Your grandfather is very independent and he drives to the farm.
He still runs his business, but is lonely living in
a home with all these memories. But yet he wants
like his own space. He wants to be able to
(07:30):
go to the farm, he wants certain things he wants
to do, and this community, it's just I had no idea.
I've talked to people who have family, you know, who
reside here, and you know so, I've heard great things.
But firstthand just the patience and their attitude and it's
(07:56):
just I don't know, it just it's got a great
vibe there and is is just I do not see
this as a negative.
Speaker 4 (08:06):
No, it's a win.
Speaker 1 (08:08):
I know he's safe. I know if he needs something anything.
Speaker 4 (08:12):
He can go to the dairy farm air.
Speaker 1 (08:15):
Yes, as he can go fishing. And he wants to retire,
you know so, and he wants a social life because
everything has been.
Speaker 2 (08:23):
A retiring fellowship me too, you know, I'll go. Seriously,
we can't speak highly enough of this place. It's a
blessing that this place exists. Like you and I were
talking about this, we want to model our service like
Fellowship and in the respect how White glove and how
(08:44):
much they really care, Like honestly, I respect that service,
that customer service, that the business they provide.
Speaker 4 (08:53):
It's not just a home like. I really respect their
business model and they.
Speaker 2 (08:58):
Are a family business model and it's all family oriented
and they treat it like family, to be honest.
Speaker 4 (09:04):
That inspires me how I want to.
Speaker 2 (09:06):
Run Kelly Financial and how I think we should run
Kelly Financial and how we should behave because I mean,
to be honest, it's kind of how we behaved.
Speaker 1 (09:14):
I was about to say that has been a mission
and what we've always done, but I even gained some
ideas just from my experience moving my father into this community,
and they have given me some good ideas.
Speaker 3 (09:31):
Well.
Speaker 4 (09:31):
That's pretty cool.
Speaker 2 (09:32):
Yeah, that's actually really nice because I can tell that
they really like it's a gold standard. That's a gold
standard of a place, and that truly, that is what
we focus on. So I guess the better way of
saying it is not that we should focus on it.
We've been doing it forever.
Speaker 1 (09:48):
I guess I've trusted reviews and the people who've told
me about a fellowship, and my sister knew a lot
about it, and so that was helpful to so we
were able to do this together, you know, as a
family with him. But it is still the transition.
Speaker 4 (10:08):
It's not perfect, it's not no, but we're.
Speaker 1 (10:10):
Getting there, and they are they every little detail they
take serious and I really appreciate and I'm very grateful.
Speaker 2 (10:21):
Ladies and gentlemen don't do business with people who are
not detailed, so you would never have to worry about
that with us. And then you would never have to
worry about that at fellowship.
Speaker 4 (10:31):
Life is full of details, yes, ma'am.
Speaker 2 (10:33):
Yeah, it's great that Poppy has kind of gotten into
this chapter of life now. Yes, I feel like he
can retire, he can relax, he can come visit us.
Speaker 4 (10:42):
There's no struggle anymore.
Speaker 2 (10:44):
I know.
Speaker 1 (10:44):
I told him, you know at the beginning when he
was having like second thoughts, like, Dad, we're not married
to this place. If you're not happy there, if it's
not what we think it is, we'll figure out something
else there. You go, but it you know, it some
close to the farm, And even though he is getting
out of that business, since your cousin, my nephew is
(11:08):
purchasing it, he'll still have a reason to go.
Speaker 4 (11:11):
So you know what, life is good, Yes, ma'am. I agree.
Speaker 1 (11:15):
Do keep us on your dial. We've got a lot
of great content coming your way. Mike do Set and
Greg Workman will share insights on money, happiness, and how
to plan for a retirement filled with purpose and joy.
Mary Madeline Kelly and Greg Murray will break down how
starting early and staying consistent can help supercharge your financial future.
(11:40):
I'll be back with William for a conversation on how
good sleep, strong routines, and social connection can boost brain
help and how reducing financial stress can make a big difference.
And of course we'll close the hour with some wit
and wisdom from the late Bill Kelly. Words continue to
(12:01):
inspire and guide us. Well, that's a wrap for forever
young tonight. Thank you for listening, and William, thank you
for joining me. I love you, honey. We'll be back
next week.
Speaker 4 (12:14):
Love you too.
Speaker 1 (12:14):
Mom.
Speaker 2 (12:20):
Call us today at eight eight hundred and one eighty
one or visit us online at Kellyfinancial dot org to
schedule your complimentary retirement income analysis.
Speaker 5 (12:35):
Hello and welcome to Save Money Strategies. I'm Mike du Said,
chief operating officer at Kelly Financial Services, and joining me
as always is my colleague and investment advisor Greg Workman.
Speaker 6 (12:46):
Hi everyone, great to be here with you again. Today
we're diving into a fascinating topic, the connection between money,
happiness and retirement planning.
Speaker 5 (12:55):
That's right, Greg, There's a lot of research out there
about what actually makes people happy, and it turns out
it's not just about how much money you have. Harvard
University has done some compelling studies showing that experiences bring
more lasting happiness than material things.
Speaker 6 (13:11):
It makes sense if you think about it. You buy
a new gadget or a fancy car, but the excitement
quickly wears off. But a vacation with family or a
special outing that sticks with you often for a lifetime exactly.
Speaker 5 (13:24):
Harvard researches point out a few key reasons for this.
Experiences tend to be social. We do them with others,
which builds connections. They grow in value over time because
we remember and tell stories about them, And experiences tend
to be unique, so we don't compare them as much
to what others have.
Speaker 6 (13:43):
And that last part is important. When you buy things,
there is always a risk that you're comparing yourself to
your neighbor or a friend who has something newer or better.
But memories, they're yours alone. They build your story.
Speaker 5 (13:58):
So how does this tie into retire and planning? Well,
if you've spent decades saving money and planning for the future,
the goal isn't just to sit around and worry if
your money will last. It's to be able to enjoy
meaningful experiences without stress.
Speaker 6 (14:12):
Speaking of that, Mike, remember our client Steve. The story
of Steve and his trip to Disney World with his
family really illustrates this concept perfectly.
Speaker 5 (14:22):
Oh for sure, Steve was never a high earner, but
he was consistent. He saved steadily, avoided debt, and made
smart financial choices. When he came to us, he was
concerned about whether he'd saved enough to live comfortably without
worrying about running out.
Speaker 6 (14:39):
He was hesitant to pull money from his portfolio for
anything beyond basic expenditures. But after we did a thorough
cash flow analysis which mapped out his income, expenses, healthcare costs,
and yes, discretionary spending, he realized he could safely fund
experiences like family.
Speaker 5 (14:59):
Trad and that Disney trip. It was a huge win
for Steve, not just financially, emotionally too. He told us
how much joy it brought to watch his grandson's eyes
light up meeting Mickey Mouse, and he wasn't worried about
the cost because the plan accounted for it.
Speaker 6 (15:15):
That's what we aim for, it, Kelly Financial, a plan
that is not just about the numbers, but about giving
clients peace of mind, peace of mind to live.
Speaker 5 (15:25):
Speaking of peace of mind, another Harvard finding We love
is about anticipatory joy, the happiness you get from looking
forward to something right.
Speaker 6 (15:34):
Research from twenty ten shows that planning pleasurable events like
vacations or concerts often makes people just as happy or
sometimes happier than the event itself.
Speaker 5 (15:47):
So the simple act of planning that Disney trip, for example,
probably brought Steve joy for months before the trip happened.
Speaker 6 (15:54):
Absolutely. Harvard's psychologist, doctor Daniel Gilbert calls this and anticipatory joy,
and explains that thinking about future fun activities activates the
brain's happiness centers.
Speaker 5 (16:08):
That's why we encourage clients not just to plan for
the big things financially, but to schedule small experiences regularly
a dinner with friends, a weekend getaway, or tickets to
a show.
Speaker 6 (16:18):
Because those plans extend the joy over time and help
keep life rich and meaningful.
Speaker 5 (16:24):
Before we take a quick break, I want to underline
one more point from Harvard's famous Study of Adult Development,
which has been tracking people's happiness for over eighty years.
Speaker 6 (16:35):
The study found that close relationships are the biggest predictor
of long term happiness.
Speaker 5 (16:40):
That's why financial planning isn't just about dollars and cents.
It's about creating space literally and figuratively to nurture your
relationships and enjoy life.
Speaker 6 (16:50):
When you know your money is being managed and your
income is steady, you can focus on what truly matters,
time with loved ones, making memories, and living life to
the fullest extent.
Speaker 5 (17:02):
All right, Greg, let's take a short break. When we
come back, we'll dive deeper into how our planning process
helps you turn these ideas into reial confidence and how
you can start your own safe money strategy today.
Speaker 1 (17:19):
I'm Kelly Kelly from Kelly Financial. Is your financial advisor
a fiduciary? In other words, are they legally required to
act in your best interest? My complimentary book, Retire Your Fear,
Plan Your Future explains what a fiduciary is and will
help you understand if an advisor is really putting you first.
For the book, call eight eight eight eight hundred and
(17:42):
eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.
Speaker 7 (17:50):
Ready to enjoy your golden years without worry At Kelly
Financial Reo. Retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation, called eight eight eight eight hundred eighteen
(18:12):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.
Speaker 3 (18:22):
Good evening, I'm William Kelly. I'm back with someone who
not only leads our fur, but also leads our family.
My mom, Kelly Kelly. She's the CEO of Kelly Financial Services,
and she's with me again tonight.
Speaker 1 (18:34):
Hi, honey, good to be back, and good evening to
all of our WBZ listeners. Has been a real joy
connecting with so many thoughtful people through this show. We've
been on air for over two decades on WRKO and
now Saturday nights on WBZ have brought a whole new energy.
(18:56):
We've had fun and some really meaningful conferences.
Speaker 2 (19:01):
Tonight's conversation is definitely one of those. You said something
earlier this week that's been on my mind. You were
talking with a client who told you she was more
worried about her mind than her money.
Speaker 1 (19:12):
That's right, and it really struck me because while not
everyone says it out loud, I think a lot of
people quietly feel the same way. We do hear it
from time to time, clients who say they've been forgetting
names more often, or walking into a room and not
remembering why. Others are caring for parents or spouses with
(19:35):
memory loss and they're wondering, could this happen to me?
Speaker 3 (19:40):
And it's not just about aging, it's about staying sharp,
staying independent, and staying you.
Speaker 4 (19:45):
That's a powerful concern.
Speaker 1 (19:47):
Absolutely. When people come to us for retirement planning, the
focus is often on financial security, and that's important, but
we quickly realize that what it really matters to people
is quality of life. It's about protecting your sense of
self and brain health is at the heart of that.
Speaker 3 (20:10):
You've always said wellness and wealth go hand in hand,
and I think our listeners appreciate that we talk about
both sides of retirement, the numbers and the lifestyle.
Speaker 1 (20:19):
Yes we're not doctors, but we are students of longevity.
We read, we ask questions, we listen, and we take
a holistic view because these things are connected. There's so
much we can do to protect our brain health, movement, hydration,
(20:39):
staying mentally and socially active, managing stress, and of course
how we fuel our bodies.
Speaker 3 (20:47):
Right because what we eat really matters. I've read what's
good for the heart is good for the brain, and
that starts with nutrition.
Speaker 1 (20:54):
Yes, even simple changes like eating more leafy greens, colorful berries,
healthy fats like Omega three's can make a lasting difference.
Drinking enough water, cutting back on processed sugar, and I
would even take it a step further, try to minimize
(21:15):
processed food altogether. If you can eliminate it even better,
but at the very least be mindful of how much
of it is actually creeping in.
Speaker 4 (21:25):
And then their sleep.
Speaker 3 (21:26):
You always say that good sleep is like housekeeping for
the brain.
Speaker 1 (21:29):
It is when the brain resets and clears out waste.
It's a vital part of cognitive function. And I'll tell
you something else. I believe age is just a number.
I really mean that. I've met people in their eighties
and nineties who are sharp as attack, and I've met
people in their fifties sixties who seem mentally checked out.
(21:54):
Is not just the year on your birth certificate. Is
how you treat yourself, how you can care for your
body and mind, and how you stay engaged with life.
Speaker 4 (22:05):
That's true.
Speaker 3 (22:05):
Retirement should never mean retreat. We always say don't just
retire from something, retire to something. That sense of purpose
is huge.
Speaker 1 (22:14):
It really is. When you have something to look forward to,
whether it's a hobby, a volunteer role, travel time with grandchildren,
or even just continuing to learn, it gives your brain
a reason to stay active. We've seen it with our
own clients. The ones who stay connected, who move, who laugh,
(22:38):
who learn, are often the ones who.
Speaker 3 (22:40):
Thrive, and connection really matters. When people stop working, they
sometimes lose that daily interaction and loneliness can creep in.
That isolation can impact brain health just as much as
a poor diet.
Speaker 1 (22:51):
Yes, and that's why we encourage people to stay socially active.
Whether it's your church group, a book club, a fitness class,
or even just regular phone calls with friends and family.
Every bit of interaction helps the brain craves connection.
Speaker 3 (23:12):
I think the message here is that no matter what
age you are, you can still take action.
Speaker 4 (23:16):
It's never too late and it's never too early either.
Speaker 1 (23:19):
Exactly, we've helped people in their forties and fifties prepare
for retirement, and we've worked with people well into their
eighties who want to strengthen their financial plan and their lifestyle.
Every stage brings opportunity.
Speaker 3 (23:36):
So if you've been thinking about brain health, or maybe
you're helping care for someone who's going through cognitive declinient,
know that you're not alone, and we're here to help
you think it through.
Speaker 1 (23:44):
Whether that's reviewing your retirement income strategy, preparing for future
care needs, or just creating a plan that supports your values,
We're happy to walk through it with you. Sometimes that
step can lead to real peace of mind, and.
Speaker 3 (24:03):
You don't have to figure it all out by yourself.
Speaker 2 (24:05):
You can email us at Kelly at Kelly Financial dot
org or give us a call, no pressure, just a
thoughtful conversation.
Speaker 1 (24:11):
We've helped thousands of individuals and families prepare for retirement
with confidence, because true financial security isn't just about what
you have, It's about how you live and how well
you protect what matters most.
Speaker 3 (24:27):
We'll be back later in the hour with more on
this topic and.
Speaker 2 (24:29):
Some practical steps you can take right now to support
your long term brain health.
Speaker 1 (24:33):
You will not want to miss it. Stay with us.
Speaker 2 (24:40):
Safe money strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty and
one or go to kelly financial dot org. That's Kelly
at Kelly financial dot org.
Good evening and welcome to Safe Money Strategies right here
on WBZ News Radio. I'm Kelly Kelly, founder of Kelly
Financial Services, and your host tonight. I'm so glad you're
with us. Every Saturday night at nine pm, we bring
you real conversations about retirement, resilience and protecting the life
(00:27):
you've worked so hard to build. We're a proud, family
run firm based right here in New England, and for
over twenty two years, we've helped thousands of families plan
for the next chapter with clarity and confidence. You may
know us from our two decades on the AM airwaves,
and now we're thrilled to bring that same trusted voice
(00:50):
to WBZ. This show is about more than just money.
It's about peace of mind purpose in making smart decisions
that support the people you love. Each week, I'm joined
by my children, William Kelly Junior and Mary Madeline Kelly,
along with our incredible team of fiduciary advisors. Together, we
(01:11):
share practical strategies, personal stories, and a few laughs along
the way. We'll cover everything from inflation and taxes to
income planning, market trends, and how to leave a lasting legacy.
Because retirement isn't. The end of the story is the
beginning of a new one. So if you're winding down
(01:32):
for the evening, pour something relaxing, settle in and spend
a little time with us. You're in good company and
we're glad you're here. This is Safe Money Strategies where family, finance,
and your future come together.
Speaker 2 (01:50):
Safe Money Strategies with Kelly Kelly and her team called
Kelly Financial at eighty eight eight hundred and twenty and
one or go to Kelly Financial dot org. That's Kelly
at Kelly Financial dot org.
Speaker 1 (02:08):
Each week on Safe Money Strategies, we take a moment
to step back from the headlines and have a real conversation,
the kind you might have around the kitchen table. This
is a part of the show we call Forever Young.
It's where I sit down with my son, William Kelly Junior,
and we talk about life, what's going on in the world,
(02:29):
in our family, and what really matters most when you're
planning for the future. Sometimes is light, sometimes is thoughtful,
but is always real. Good evening, William, how are you good?
Speaker 2 (02:42):
Evening?
Speaker 1 (02:42):
Mom?
Speaker 3 (02:42):
I'm well in yourself, I'm doing great.
Speaker 4 (02:45):
Well. We have a special guest here today, ladies and gentlemen.
Speaker 2 (02:48):
And for our listeners in WBZ, you may not be
familiar with her, but her name is Georgia Kelly. And
unfortunately she doesn't speak any English, but she does talk
a little bit.
Speaker 3 (02:57):
I'm not sure you guys can hear that.
Speaker 4 (03:00):
Come here, baby, say some words, speak some puppy okay.
So Georgia has a mind of her own.
Speaker 2 (03:07):
So whenever you want her to do something, she won't
do it. But when you don't need her to do something,
that's when she starts to do it. But she is
very adorable, ladies and gentlemen. And if you've ever seen
the Wizard of Oz, she's the same breed in color
as Toto. But get this, she's cuter.
Speaker 1 (03:22):
I knew you were going to say that.
Speaker 4 (03:24):
She even agrees with me.
Speaker 2 (03:25):
She's looking at me with these eyes like I could,
I know, give up everything and just give it to her,
like the cutest dog on earth. It's like she reaches
into your soul. Ladies and gentlemen, you better not have
any tasty food around her because she's not the traditional beggar.
Speaker 1 (03:41):
Well it doesn't work with me, yeah, because you know
the strategy exactly. So and I know it's not good
for her, so I do not cave. It's like she
looks directly into your soul and she's just like, I
love you so much, and I'm not gonna cause a ruckus.
I don't want to discomfort anyone. Please give me some
(04:03):
of your food.
Speaker 2 (04:04):
It's psychological torture. So Georgia, George's living life. She's getting
all sorts of we're tracking her steps with the Callar revention.
A couple of weeks ago, she's getting about forty thousand
on average, usually about fifty now fifty thousands.
Speaker 4 (04:16):
What is the max?
Speaker 1 (04:17):
What's the max?
Speaker 2 (04:18):
Her highest I think is like sixty three sixty five
thousand in one day.
Speaker 1 (04:22):
This has been on several occasions, Yes, it has, which
is just I'm so proud of her.
Speaker 2 (04:28):
She's gonna win the step competition on the app. I
just know her.
Speaker 4 (04:31):
I know she'll be She'll be the best.
Speaker 5 (04:33):
Yeah.
Speaker 1 (04:34):
I was tracking her when I when I left to
visit my father in Georgia.
Speaker 4 (04:39):
H Hoppy, my grandfather.
Speaker 2 (04:41):
Yeah, he is now officially ladies and gentlemen in an
independent living home. He is in this beautiful it looks
like a ranch like this gorgeous Georgios with these incredible people.
And he is not an assisted living he is he's
still independent, and I mean he's lord.
Speaker 4 (05:00):
He's independent.
Speaker 2 (05:00):
He runs a farm, and he's finally retiring. Ladies and gentlemen.
He's going to be in a great community. He's going
to still be able to drive. He's gonna he's gonna
have all his meals prepared for him, Southern comfort food.
Speaker 4 (05:14):
Yesterday.
Speaker 1 (05:15):
I had launched there a couple of times. It's wonderful.
They even they have their own head of cattle. They
have I'm trying to think maybe not. I think it's
like maybe fifty And they use their own beef, and
they have gardens so their food comes from their gardens.
Speaker 4 (05:38):
That's pretty incredible.
Speaker 1 (05:39):
And they have It's just it's really great. And his
family owned and four generations and they were everyone was involved.
It is just they have a great team. And I've
just been very much so impressed. And it was I
(05:59):
knew I had to be there for this move and
this transition, and I knew it would take some time. Yeah,
and because it's different, he's been the same home for
sixty five years.
Speaker 4 (06:12):
Incredible.
Speaker 1 (06:13):
My mother, your grandmother, passing five years ago, and that
was a big change for him, of course, but this
is not far from his farm, and and he has
his truck there, and so this has just been a
very positive event.
Speaker 4 (06:32):
Yes it has. And George is very happy about it.
She's hopping on my lap.
Speaker 2 (06:36):
And I'm very happy about it because I feel like
you don't always get the opportunity to have these places
for your parents. It's really really convenient, and it's really
and it's not even convenient in a bad way, it's
really positive, like it's an amazing place.
Speaker 1 (06:53):
It really is. And when and I've told, I've told
several close friends, but they're first response was, I am
so sorry.
Speaker 2 (07:03):
Some people in our lives perceive it very negatively.
Speaker 4 (07:06):
But it really isn't. I mean, at least the place
that he's at.
Speaker 1 (07:09):
Your grandfather is very independent and he drives to the farm.
He still runs his business, but is lonely living in
a home with all these memories. But yet he wants
like his own space. He wants to be able to
(07:30):
go to the farm, he wants certain things he wants
to do, and this community, it's just I had no idea.
I've talked to people who have family, you know, who
reside here, and you know so, I've heard great things.
But firstthand just the patience and their attitude and it's
(07:56):
just I don't know, it just it's got a great
vibe there and is is just I do not see
this as a negative.
Speaker 4 (08:06):
No, it's a win.
Speaker 1 (08:08):
I know he's safe. I know if he needs something anything.
Speaker 4 (08:12):
He can go to the dairy farm air.
Speaker 1 (08:15):
Yes, as he can go fishing. And he wants to retire,
you know so, and he wants a social life because
everything has been.
Speaker 2 (08:23):
A retiring fellowship me too, you know, I'll go. Seriously,
we can't speak highly enough of this place. It's a
blessing that this place exists. Like you and I were
talking about this, we want to model our service like
Fellowship and in the respect how White glove and how
(08:44):
much they really care, Like honestly, I respect that service,
that customer service, that the business they provide.
Speaker 4 (08:53):
It's not just a home like. I really respect their
business model and they.
Speaker 2 (08:58):
Are a family business model and it's all family oriented
and they treat it like family, to be honest.
Speaker 4 (09:04):
That inspires me how I want to.
Speaker 2 (09:06):
Run Kelly Financial and how I think we should run
Kelly Financial and how we should behave because I mean,
to be honest, it's kind of how we behaved.
Speaker 1 (09:14):
I was about to say that has been a mission
and what we've always done, but I even gained some
ideas just from my experience moving my father into this community,
and they have given me some good ideas.
Speaker 3 (09:31):
Well.
Speaker 4 (09:31):
That's pretty cool.
Speaker 2 (09:32):
Yeah, that's actually really nice because I can tell that
they really like it's a gold standard. That's a gold
standard of a place, and that truly, that is what
we focus on. So I guess the better way of
saying it is not that we should focus on it.
We've been doing it forever.
Speaker 1 (09:48):
I guess I've trusted reviews and the people who've told
me about a fellowship, and my sister knew a lot
about it, and so that was helpful to so we
were able to do this together, you know, as a
family with him. But it is still the transition.
Speaker 4 (10:08):
It's not perfect, it's not no, but we're.
Speaker 1 (10:10):
Getting there, and they are they every little detail they
take serious and I really appreciate and I'm very grateful.
Speaker 2 (10:21):
Ladies and gentlemen don't do business with people who are
not detailed, so you would never have to worry about
that with us. And then you would never have to
worry about that at fellowship.
Speaker 4 (10:31):
Life is full of details, yes, ma'am.
Speaker 2 (10:33):
Yeah, it's great that Poppy has kind of gotten into
this chapter of life now. Yes, I feel like he
can retire, he can relax, he can come visit us.
Speaker 4 (10:42):
There's no struggle anymore.
Speaker 2 (10:44):
I know.
Speaker 1 (10:44):
I told him, you know at the beginning when he
was having like second thoughts, like, Dad, we're not married
to this place. If you're not happy there, if it's
not what we think it is, we'll figure out something
else there. You go, but it you know, it some
close to the farm, And even though he is getting
out of that business, since your cousin, my nephew is
(11:08):
purchasing it, he'll still have a reason to go.
Speaker 4 (11:11):
So you know what, life is good, Yes, ma'am. I agree.
Speaker 1 (11:15):
Do keep us on your dial. We've got a lot
of great content coming your way. Mike do Set and
Greg Workman will share insights on money, happiness, and how
to plan for a retirement filled with purpose and joy.
Mary Madeline Kelly and Greg Murray will break down how
starting early and staying consistent can help supercharge your financial future.
(11:40):
I'll be back with William for a conversation on how
good sleep, strong routines, and social connection can boost brain
help and how reducing financial stress can make a big difference.
And of course we'll close the hour with some wit
and wisdom from the late Bill Kelly. Words continue to
(12:01):
inspire and guide us. Well, that's a wrap for forever
young tonight. Thank you for listening, and William, thank you
for joining me. I love you, honey. We'll be back
next week.
Speaker 4 (12:14):
Love you too.
Speaker 1 (12:14):
Mom.
Speaker 2 (12:20):
Call us today at eight eight hundred and one eighty
one or visit us online at Kellyfinancial dot org to
schedule your complimentary retirement income analysis.
Speaker 5 (12:35):
Hello and welcome to Save Money Strategies. I'm Mike du Said,
chief operating officer at Kelly Financial Services, and joining me
as always is my colleague and investment advisor Greg Workman.
Speaker 6 (12:46):
Hi everyone, great to be here with you again. Today
we're diving into a fascinating topic, the connection between money,
happiness and retirement planning.
Speaker 5 (12:55):
That's right, Greg, There's a lot of research out there
about what actually makes people happy, and it turns out
it's not just about how much money you have. Harvard
University has done some compelling studies showing that experiences bring
more lasting happiness than material things.
Speaker 6 (13:11):
It makes sense if you think about it. You buy
a new gadget or a fancy car, but the excitement
quickly wears off. But a vacation with family or a
special outing that sticks with you often for a lifetime exactly.
Speaker 5 (13:24):
Harvard researches point out a few key reasons for this.
Experiences tend to be social. We do them with others,
which builds connections. They grow in value over time because
we remember and tell stories about them, And experiences tend
to be unique, so we don't compare them as much
to what others have.
Speaker 6 (13:43):
And that last part is important. When you buy things,
there is always a risk that you're comparing yourself to
your neighbor or a friend who has something newer or better.
But memories, they're yours alone. They build your story.
Speaker 5 (13:58):
So how does this tie into retire and planning? Well,
if you've spent decades saving money and planning for the future,
the goal isn't just to sit around and worry if
your money will last. It's to be able to enjoy
meaningful experiences without stress.
Speaker 6 (14:12):
Speaking of that, Mike, remember our client Steve. The story
of Steve and his trip to Disney World with his
family really illustrates this concept perfectly.
Speaker 5 (14:22):
Oh for sure, Steve was never a high earner, but
he was consistent. He saved steadily, avoided debt, and made
smart financial choices. When he came to us, he was
concerned about whether he'd saved enough to live comfortably without
worrying about running out.
Speaker 6 (14:39):
He was hesitant to pull money from his portfolio for
anything beyond basic expenditures. But after we did a thorough
cash flow analysis which mapped out his income, expenses, healthcare costs,
and yes, discretionary spending, he realized he could safely fund
experiences like family.
Speaker 5 (14:59):
Trad and that Disney trip. It was a huge win
for Steve, not just financially, emotionally too. He told us
how much joy it brought to watch his grandson's eyes
light up meeting Mickey Mouse, and he wasn't worried about
the cost because the plan accounted for it.
Speaker 6 (15:15):
That's what we aim for, it, Kelly Financial, a plan
that is not just about the numbers, but about giving
clients peace of mind, peace of mind to live.
Speaker 5 (15:25):
Speaking of peace of mind, another Harvard finding We love
is about anticipatory joy, the happiness you get from looking
forward to something right.
Speaker 6 (15:34):
Research from twenty ten shows that planning pleasurable events like
vacations or concerts often makes people just as happy or
sometimes happier than the event itself.
Speaker 5 (15:47):
So the simple act of planning that Disney trip, for example,
probably brought Steve joy for months before the trip happened.
Speaker 6 (15:54):
Absolutely. Harvard's psychologist, doctor Daniel Gilbert calls this and anticipatory joy,
and explains that thinking about future fun activities activates the
brain's happiness centers.
Speaker 5 (16:08):
That's why we encourage clients not just to plan for
the big things financially, but to schedule small experiences regularly
a dinner with friends, a weekend getaway, or tickets to
a show.
Speaker 6 (16:18):
Because those plans extend the joy over time and help
keep life rich and meaningful.
Speaker 5 (16:24):
Before we take a quick break, I want to underline
one more point from Harvard's famous Study of Adult Development,
which has been tracking people's happiness for over eighty years.
Speaker 6 (16:35):
The study found that close relationships are the biggest predictor
of long term happiness.
Speaker 5 (16:40):
That's why financial planning isn't just about dollars and cents.
It's about creating space literally and figuratively to nurture your
relationships and enjoy life.
Speaker 6 (16:50):
When you know your money is being managed and your
income is steady, you can focus on what truly matters,
time with loved ones, making memories, and living life to
the fullest extent.
Speaker 5 (17:02):
All right, Greg, let's take a short break. When we
come back, we'll dive deeper into how our planning process
helps you turn these ideas into reial confidence and how
you can start your own safe money strategy today.
Speaker 1 (17:19):
I'm Kelly Kelly from Kelly Financial. Is your financial advisor
a fiduciary? In other words, are they legally required to
act in your best interest? My complimentary book, Retire Your Fear,
Plan Your Future explains what a fiduciary is and will
help you understand if an advisor is really putting you first.
For the book, call eight eight eight eight hundred and
(17:42):
eighteen eighty one or email Kelly at Kellyfinancial dot org.
We're Kelly Financial. Come retire with us.
Speaker 7 (17:50):
Ready to enjoy your golden years without worry At Kelly
Financial Reo. Retirement planning can be overwhelming. With more than
twenty two years of experience, our friendly team of advisors
makes it easy and stress free. Trust us to help
you create a secure and enjoyable future. For a free
initial retirement consultation, called eight eight eight eight hundred eighteen
(18:12):
eighty one or email Kelly at Kellyfinancial dot org. We're
Kelly Financial. Come retire with us.
Speaker 3 (18:22):
Good evening, I'm William Kelly. I'm back with someone who
not only leads our fur, but also leads our family.
My mom, Kelly Kelly. She's the CEO of Kelly Financial Services,
and she's with me again tonight.
Speaker 1 (18:34):
Hi, honey, good to be back, and good evening to
all of our WBZ listeners. Has been a real joy
connecting with so many thoughtful people through this show. We've
been on air for over two decades on WRKO and
now Saturday nights on WBZ have brought a whole new energy.
(18:56):
We've had fun and some really meaningful conferences.
Speaker 2 (19:01):
Tonight's conversation is definitely one of those. You said something
earlier this week that's been on my mind. You were
talking with a client who told you she was more
worried about her mind than her money.
Speaker 1 (19:12):
That's right, and it really struck me because while not
everyone says it out loud, I think a lot of
people quietly feel the same way. We do hear it
from time to time, clients who say they've been forgetting
names more often, or walking into a room and not
remembering why. Others are caring for parents or spouses with
(19:35):
memory loss and they're wondering, could this happen to me?
Speaker 3 (19:40):
And it's not just about aging, it's about staying sharp,
staying independent, and staying you.
Speaker 4 (19:45):
That's a powerful concern.
Speaker 1 (19:47):
Absolutely. When people come to us for retirement planning, the
focus is often on financial security, and that's important, but
we quickly realize that what it really matters to people
is quality of life. It's about protecting your sense of
self and brain health is at the heart of that.
Speaker 3 (20:10):
You've always said wellness and wealth go hand in hand,
and I think our listeners appreciate that we talk about
both sides of retirement, the numbers and the lifestyle.
Speaker 1 (20:19):
Yes we're not doctors, but we are students of longevity.
We read, we ask questions, we listen, and we take
a holistic view because these things are connected. There's so
much we can do to protect our brain health, movement, hydration,
(20:39):
staying mentally and socially active, managing stress, and of course
how we fuel our bodies.
Speaker 3 (20:47):
Right because what we eat really matters. I've read what's
good for the heart is good for the brain, and
that starts with nutrition.
Speaker 1 (20:54):
Yes, even simple changes like eating more leafy greens, colorful berries,
healthy fats like Omega three's can make a lasting difference.
Drinking enough water, cutting back on processed sugar, and I
would even take it a step further, try to minimize
(21:15):
processed food altogether. If you can eliminate it even better,
but at the very least be mindful of how much
of it is actually creeping in.
Speaker 4 (21:25):
And then their sleep.
Speaker 3 (21:26):
You always say that good sleep is like housekeeping for
the brain.
Speaker 1 (21:29):
It is when the brain resets and clears out waste.
It's a vital part of cognitive function. And I'll tell
you something else. I believe age is just a number.
I really mean that. I've met people in their eighties
and nineties who are sharp as attack, and I've met
people in their fifties sixties who seem mentally checked out.
(21:54):
Is not just the year on your birth certificate. Is
how you treat yourself, how you can care for your
body and mind, and how you stay engaged with life.
Speaker 4 (22:05):
That's true.
Speaker 3 (22:05):
Retirement should never mean retreat. We always say don't just
retire from something, retire to something. That sense of purpose
is huge.
Speaker 1 (22:14):
It really is. When you have something to look forward to,
whether it's a hobby, a volunteer role, travel time with grandchildren,
or even just continuing to learn, it gives your brain
a reason to stay active. We've seen it with our
own clients. The ones who stay connected, who move, who laugh,
(22:38):
who learn, are often the ones who.
Speaker 3 (22:40):
Thrive, and connection really matters. When people stop working, they
sometimes lose that daily interaction and loneliness can creep in.
That isolation can impact brain health just as much as
a poor diet.
Speaker 1 (22:51):
Yes, and that's why we encourage people to stay socially active.
Whether it's your church group, a book club, a fitness class,
or even just regular phone calls with friends and family.
Every bit of interaction helps the brain craves connection.
Speaker 3 (23:12):
I think the message here is that no matter what
age you are, you can still take action.
Speaker 4 (23:16):
It's never too late and it's never too early either.
Speaker 1 (23:19):
Exactly, we've helped people in their forties and fifties prepare
for retirement, and we've worked with people well into their
eighties who want to strengthen their financial plan and their lifestyle.
Every stage brings opportunity.
Speaker 3 (23:36):
So if you've been thinking about brain health, or maybe
you're helping care for someone who's going through cognitive declinient,
know that you're not alone, and we're here to help
you think it through.
Speaker 1 (23:44):
Whether that's reviewing your retirement income strategy, preparing for future
care needs, or just creating a plan that supports your values,
We're happy to walk through it with you. Sometimes that
step can lead to real peace of mind, and.
Speaker 3 (24:03):
You don't have to figure it all out by yourself.
Speaker 2 (24:05):
You can email us at Kelly at Kelly Financial dot
org or give us a call, no pressure, just a
thoughtful conversation.
Speaker 1 (24:11):
We've helped thousands of individuals and families prepare for retirement
with confidence, because true financial security isn't just about what
you have, It's about how you live and how well
you protect what matters most.
Speaker 3 (24:27):
We'll be back later in the hour with more on
this topic and.
Speaker 2 (24:29):
Some practical steps you can take right now to support
your long term brain health.
Speaker 1 (24:33):
You will not want to miss it. Stay with us.
Speaker 2 (24:40):
Safe money strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred and twenty and
one or go to kelly financial dot org. That's Kelly
at Kelly financial dot org.
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