August 30, 2025 • 27 mins
This week on Safe Money Strategies, Kelly Kelly and William Kelly Jr. explore the power of true friendship through the lens of the “midnight test” - the simple question of who you could call if life suddenly turned upside down. They share stories of resilience, community, and the bonds that last far beyond material success, reminding us that meaningful relationships are as vital as any financial plan.
In addition, our team of fiduciary advisors examines how a comprehensive written plan can bring clarity and confidence to your retirement, and why understanding hidden risks is critical to protecting your future. We also take a closer look at the lifestyle and financial realities of continuing care retirement communities. And as always, we close with timeless wisdom from Bill Kelly, whose words continue to guide and inspire.
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 August 30, 2025
In addition, our team of fiduciary advisors examines how a comprehensive written plan can bring clarity and confidence to your retirement, and why understanding hidden risks is critical to protecting your future. We also take a closer look at the lifestyle and financial realities of continuing care retirement communities. And as always, we close with timeless wisdom from Bill Kelly, whose words continue to guide and inspire.
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 August 30, 2025
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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
called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org. Hello.
Speaker 2 (00:16):
This is Greg Murray, Senior vice president and Chief Compliance
Officer at Kelly Financial Services. Joining me tonight is Mary
Madeline Kelly, one of our wealth advisors.
Speaker 1 (00:24):
How are you doing this evening? Hi?
Speaker 3 (00:26):
Greg, I'm doing excellent. Thanks for asking one more wake
up before I get my puppy. I actually decided to
stick with her original name of Melly and ditch the
Tallula idea. It seems like her personality fits the name
Melly much better.
Speaker 2 (00:40):
Mary Madeline, I am so excited to have an office dog,
especially one that I do not have to take care of.
Thank you very much for owning that responsibility.
Speaker 3 (00:49):
It is my pleasure. I will bring her by the
office one day this week's you all can meet her.
And I'm also excited for this conversation because tonight we
are talking about something that really surprises a lot lot
of people. It's not the flashy headlines or stock market swings.
It's the hidden risks in your retirement plan.
Speaker 1 (01:06):
That's right.
Speaker 2 (01:07):
These are the kinds of risks most people don't see
coming until it's too late, And the truth is, even
a solid looking retirement plan can have some blind spots
if you're not paying close attention.
Speaker 3 (01:17):
One of the biggest ones we see is longevity risk.
And I know what you're thinking. Living longer is a
good thing, and it absolutely is, but it also means
your money needs to last longer. We're talking twenty five,
maybe even thirty or more years in retirement exactly.
Speaker 2 (01:32):
And the problem is most people only plan for fifteen
to twenty years. They underestimate how long they'll live and
how much they'll need, especially when you factor in health
care costs, which leads us right into another big one,
unexpected medical expenses.
Speaker 3 (01:44):
Yeah, even with Medicare, people are surprised by how much
out of pocket costs they're still responsible for. And then
there's the long term care. A lot of folks still
believe Medicare will cover nursing homes or assisted living, but
that's not the case.
Speaker 2 (01:58):
We've seen a devastated retire one spouse ends up needing
full time care, and suddenly the couple's entire nest egg
is going towards medical bills. It's heartbreaking and it's preventable
with the right kind of planning.
Speaker 3 (02:09):
Another hidden danger we talk about with clients is something
called sequence of returns risk. Most people haven't heard of it,
and it's one of the sneakiest threats out there, especially
if you're retiring soon.
Speaker 1 (02:20):
This one gets overlooked all the time.
Speaker 2 (02:22):
Basically, it's not just how much the market returns, it's
when if you start drawing income during a market downturn,
you might be selling investments at a loss early in retirement,
and that can really mess with the long term picture.
Speaker 3 (02:34):
Even if the market recovers later, the damage is done
if you are pulling money out while it was down.
That's why we always talk about building a withdrawal strategy,
not just an investment strategy.
Speaker 2 (02:44):
That could mean having a cash bucket or maybe even
using income products that are protected from market losses so
you don't have to rely on selling when the market
is volatile.
Speaker 3 (02:53):
And speaking of over reliance, another issue we see is
people putting too much weight into one type of asset.
We've met with people who have ninety percent of the
retirement savings in pre tax accounts like a four oh
one K or a traditional IRA, and they're not thinking
about the tax consequences when they start drawing from these accounts.
Speaker 2 (03:12):
Exactly, you might see a one million dollar balance, but
depending on future tax brackets, you might only get to
keep seventy percent of it or less. It's not about
what you have, it's about what you keep after.
Speaker 3 (03:23):
Taxes, especially with required minimum distribution starting at age seventy three,
and if the current tax cuts ever expire, your future
tax bill could be higher than you expect it. It's
why we often recommend exploring wroth conversions or diversifying your
tax buckets while you still can.
Speaker 2 (03:39):
And here's maybe the biggest risk of all, not having
a plan at all. We meet a lot of people
who think having an investment account is a retirement plan,
but it's not.
Speaker 3 (03:49):
Not even close a real plan. Answers questions like when
do I claim Social Security? How much can I spend
every year? How do I protect my spouse if something
happens to me? And how do I reduce taxes over
the next twenty to thirty years.
Speaker 2 (04:02):
And that's what we help people do every day at
Kelly Financial. We don't just manage portfolios. We build income strategies,
coordinate healthcare planning, reduce tax exposure and help protect your legacy.
Because retirement isn't just about returns, it's about confidence.
Speaker 3 (04:17):
So if you're wondering whether your plan has a few
cracks in it, or maybe you haven't put one together yet,
come talk to us. It's never too early to start
and it's never too late to course correct.
Speaker 2 (04:27):
Give us a call to schedule or complementary consultation. We'll
help you look under the hood and make sure your
retirement plan is built to last well.
Speaker 3 (04:33):
Thanks Greg for your time tonight, and I hope this
was helpful for those listening. I hope you have a
wonderful rest of your weekend, and I'll see you next
week with my puppy in tow I look forward to it.
Speaker 1 (04:45):
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 4 (04:56):
I believe that this nation should commit it so achieving
the go goal of landing a man on the Moon
and returning him safely to the.
Speaker 5 (05:04):
Earth six five four three two one zero.
Speaker 1 (05:11):
All engine run.
Speaker 5 (05:14):
Look go on to follow eleven.
Speaker 6 (05:16):
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
(05:36):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kelly Financial dot org. Where do
you want to lands and Aglaitybavior ain't have landed. We
are Kelly Financial Services. Come retire with us Safe.
Speaker 1 (05:56):
Money Strategies with Kelly Kelly and her team called Kelly
Financial Life eighty eight eight hundred and twenty and eighty
one or go to Kelly Financial dot org. That's Kelly
at Kelly Financial dot org. Welcome back to Safe Money Strategies.
I'm William Kelly Junior here again with my mom, Kelly Kelly.
In our first segment we talked about the advantages of
(06:18):
ccrcs continuing care retirement communities. Now we want to look
at the other side, the challenges, the costs and the
fine print.
Speaker 5 (06:26):
That's right, William. CCRC's can be a wonderful option, but
they also come with serious commitments financial and lifestyle that
families must weigh very carefully.
Speaker 1 (06:40):
Let's start with the cost. Entrance fees often range from
three hundred thousand dollars to four hundred thousand dollars or more,
depending on the location and size of residents, and then
you have monthly fees, typically five thousand to ten thousand dollars.
Speaker 5 (06:53):
Those monthly fees usually cover housing, mills, housekeeping, and healthcare support,
but they don't cover everything. Advance care like skilled nursing
or memory care almost always cost extra.
Speaker 1 (07:10):
And fees don't stay flat. They rise with inflation, higher
operating expenses, or changes in your care needs. Families have
to plan for what those costs will look like, not
just now, but ten or fifteen years down the.
Speaker 5 (07:23):
Road exactly, and contracts vary widely. Some are rental based,
Others require big entrance fees but refund part of it later.
Some promise lifetime care at stable rates. Each has trade offs,
and every word matters. Mom.
Speaker 1 (07:43):
I think this is one of the most overwhelming parts
for families. You're looking at one hundred page contract and
the language isn't always easy to understand. It's like signing
a mortgage and an insurance policy all in one.
Speaker 5 (07:54):
That's a perfect comparison, and lifestyle is another piece. C
see rcs are structured age restricted communities. Some people love
the order and routine. Others may feel us too limiting,
especially if they're used to a more diverse or flexible environment.
Speaker 1 (08:14):
Compare that to Poppy who's in independent living. His community
doesn't require a buying fee and it gives him flexibility.
It's not a CCRC, but it works for him because
of where he lives and what he values, and it
offers assistant living if his needs change.
Speaker 5 (08:30):
That's the key difference. Ccrcs are a long term, binding commitment.
They work beautifully for some, but they're not right for everyone, and.
Speaker 1 (08:41):
Due diligence is huge. Don't just rely on glossy brochures.
Talk to residents, ask about staff turnover, check state inspection.
Speaker 5 (08:49):
Reports, and very importantly, review the financial health of the organization.
If management isn't strong, families could face higher fees, reduce services,
or in rare cases, even closures.
Speaker 1 (09:05):
That's something I think a lot of people don't realize.
These communities aren't just buildings, their businesses, and if the
business side isn't healthy, the promises they're making may not
hold up long term exactly.
Speaker 5 (09:17):
Families should request financial statements, look at occupancy rates, and
evaluate the community's stability before signing anything.
Speaker 1 (09:27):
And then comes the big question, how do you pay
for it?
Speaker 5 (09:30):
Most people fund the entrance fee by selling their primary home.
Others pull from savings, investments, or in some cases, long
term care, insurance or life insurance benefits. Medicare and Medicaid
don't cover monthly living fees, though veterans may qualify for
certain VA benefits.
Speaker 1 (09:52):
So it often takes a combination of resources, and that's
where Kelly Financial can really help. We help families determine
whether a CCRC fits into their broader retirement plan, and
we create strategies to pay for it without jeopardizing other goals.
Speaker 5 (10:05):
And that's when we put together our Complementary Investor Guide,
your Retirement Income Planning Checklist. It covers housing, long term care,
and how to align your financial plan with your lifestyle goals.
Speaker 1 (10:20):
To get your free copy and schedule complimentary appointment, call
eighty eight eight hundred and one or email Kelly at
Kellyfinancial dot org.
Speaker 5 (10:28):
Bottom line, ccrcs are not for everyone, but knowing the
pros and cons what they offer, what they cost, and
what questions to ask empowers you to make the right
choice for your family, and.
Speaker 1 (10:44):
The more informed you are, the more confident you'll feel.
Speaker 5 (10:47):
That's all the time we have for today. I'm Kelly
Kelly and.
Speaker 1 (10:51):
I'm William Kelly Jr. Thanks for joining us.
Speaker 5 (10:54):
Remember you can always find us Saturday nights on WBZ
News Radio ten thirty or anytime on the iheartapp and
Kellyfinancial dot Org, including our radio rewind tab where you
can listen to past shows.
Speaker 1 (11:13):
Safe Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred twenty and one
or go to Kelly Financial dot org. That's Kelly at
Kelly Financial dot org.
Speaker 5 (11:27):
I'm Kelly Kelly from Kelly Financial.
Speaker 7 (11:30):
Whether you're in your forties, fifties, or sixties, financial advice
is important when it comes to preserving your nest egg.
We have a free investor guide called Designing your Fiscal
House to Weather the Elements, which highlights the steps needed
to build a balanced portfolio. For the guide, call eight
eight eight eight hundred eighteen eighty one or email Kelly
(11:51):
at Kellyfinancial dot org. We're Kelly Financial. Come Retire with Us.
Speaker 6 (11:58):
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 (12:09):
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 6 (12:22):
Download Kelly Financial's Consumer Guide, simply called the Value of
an objective opinion. With so much at stake with your
retirement future, you don't just want any financial advice, but
objective financial advice. And as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot Org
(12:45):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 8 (12:49):
Ladies and gentlemen, sort fact from fiction.
Speaker 6 (12:52):
We are Kelly Financial Services. Come Retire with us.
Speaker 4 (13:00):
Welcome back to Safe Money Strategies. I'm Mike du sat In.
Joining me this weekend, as he typically does, is Greg Workman.
On tonight's episode, we're discussing some of the benefits that
come with having a written, comprehensive financial plan, Mike.
Speaker 9 (13:13):
A good financial plan is more than just a list
of accounts and balances.
Speaker 4 (13:18):
Right It answers questions such as how much income do
I truly need? What are my income sources so security, pensions, investments,
how can I minimize taxes on withdrawals, what if the
market drops, how long might I live? And what about
healthcare and long term care expenses?
Speaker 9 (13:36):
And, perhaps most importantly, what do you want this next
chapter of your life to.
Speaker 1 (13:41):
Look like exactly?
Speaker 4 (13:43):
That's why our process always starts with one thing, your goals.
We don't jump straight into the numbers. We begin by
having a conversation about what you want out of retirement,
what matters to you, what kind of lifestyle you envision,
and what you hope to achieve both now and in
the future.
Speaker 9 (14:00):
Once your goals are clear, we take a very detailed approach.
We work closely with you to itemize every current monthly
expense housing, healthcare, insurance, transportation, groceries, entertainment, travel, and much more.
We don't generalize, we get specific.
Speaker 4 (14:20):
And then we project those expenses into the future, accounting
for inflation and life changes. For example, early retirees may
spend more on travel in the first ten years, while
medical costs may rise significantly in the last ten.
Speaker 9 (14:33):
It's not unusual for people to realize they've been underestimating
their monthly expenses. Once they see it all clearly laid out,
they're better able to make informed and confident decisions.
Speaker 4 (14:45):
Healthcare is one of the biggest variables in any retirement plan,
and while Medicare does provide a foundation, it doesn't cover everything,
especially long term care.
Speaker 9 (14:54):
That's why we dedicate part of the plan to understanding
how to manage rising medical cost Timing Medicare enrollment, selecting
the right supplement plan, and estimating out of pocket expenses.
These steps are key.
Speaker 4 (15:09):
We also guide clients through long term care planning, which
is one of the most commonly overlooked yet financially devastating
risks in retirement.
Speaker 9 (15:17):
And this ties back to why we project future costs
in detail, because knowing what's coming allows you to prepare
instead of react.
Speaker 1 (15:27):
Mike.
Speaker 9 (15:28):
Some people hesitate to work with a financial advisor, thinking
it's costly or they can do it themselves.
Speaker 4 (15:34):
That's common, but think about it. A good advisor helps
you save more in taxes, avoid costly mistakes and stick
to your plan through market ups and downs.
Speaker 9 (15:43):
We bring expertise on complex topics like social security optimization,
tax efficient withdrawals, medicare, and long term care planning.
Speaker 4 (15:52):
Plus the emotional discipline that's so important during market volatility.
Speaker 9 (15:56):
And we always start with a complementary, knowable legation consultation
to see if we're a good fit.
Speaker 4 (16:03):
One of the first things we provide to new clients
is our Safe Money Strategies workbook. Greg tell us why
this tool is so important.
Speaker 9 (16:10):
This workbook is a step by step guide that helps
you gather all your financial information in one place, assess
your current situation, and then start thinking about your goals.
Speaker 4 (16:20):
It's designed to make what fails overwhelming manageable, breaking down
complex topics into understandable pieces.
Speaker 9 (16:27):
Clients tell us the process is eye opening. They see
where their income comes from, what gaps exist, and how
much risk they are truly comfortable with.
Speaker 1 (16:37):
And that's the best part.
Speaker 4 (16:38):
It's yours to keep no charge just for scheduling your consultation.
It's the first step toward clarity, confidence and peace of mind.
Speaker 9 (16:45):
Mike, We've helped many clients turn anxiety into confidence with
a written financial plan.
Speaker 4 (16:51):
I recall a client couple who were about to retire
but why they didn't have enough saved. After working through
the workbook and our planning session, they discovered some unexpected
sources of income in a way to sequence withdrawals more
tax efficiently.
Speaker 9 (17:04):
They left feeling empowered and decided to retire a year
earlier than planned with peace of mind.
Speaker 4 (17:12):
That's the kind of results a written plan delivers. It
removes guesswork and gives you a clear path forward.
Speaker 9 (17:17):
There's one final element we always explore in our process,
and that is your legacy goals. Retirement isn't just about
spending and sustaining that spending. For many people, it's also
about what they want to leave behind to family, friends,
and loved ones exactly.
Speaker 4 (17:34):
Legacy means different things to different people. It could be
about leaving money to grandchildren or your children, giving to
a favorite charity, funding education, or even establishing a trust.
Speaker 9 (17:45):
We guide clients through estate planning conversations so that they
fully understand how to protect and pass on their assets
with minimal tax impact. That could include reviewing beneficiary designations,
setting up trusts, or even consider bring charitable gifting strategies.
Speaker 4 (18:02):
We've seen firsthand how a thoughtful legacy plan brings families
together and prevents conflict. It's not just financial, it's emotional.
It's about leaving a footprint that reflects your values.
Speaker 9 (18:13):
And again, this part of the plan is tailored. Some
clients want to spend every penny during their lifetime, Others
want to leave a very specific amount behind. Either approach
is fine as long as it's intentional and built into
the written plan.
Speaker 4 (18:29):
When your income, needs, expenses, healthcare, taxes, investments, and legacy
goals are all aligned, that's when you truly have a
comprehensive financial plan, and that's what we deliver.
Speaker 9 (18:41):
If you're feeling overwhelmed or uncertain about retirement, don't wait.
The earlier you create your plan, the better your chances
of success.
Speaker 4 (18:50):
A written financial plan turns uncertainty into confidence. It helps
you ensure your savings lasts as long as you do.
Speaker 9 (18:57):
Take that first step and call us at eight eight
eight eight hundred eighteen eighty one once again eight eight
eight eight hundred eighteen eighty one, or visit Kellyfinancial dot
org to schedule your complimentary no obligation consultation with that
I am Greg Workman, and.
Speaker 4 (19:17):
I'm Mike, you said, join us next week for more
safe money strategies.
Speaker 1 (19:24):
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 5 (19:38):
Each week, we like to take a moment to step
back and remember the timeless wisdom that never goes out
of style. Bill Kelly had a gift for seeing life's
lessons in the everyday moments, whether it was family, work
or just a story from the farm. His words still
guide us, and I know they'll speak to you too,
(19:58):
So Liz Paul's for one of those reflections, here's Bill Kelly.
Speaker 8 (20:04):
One thing I can remember, my mother said clearly, don't
raise your hands to me when I'm hitting you. You're
going to break my wrist. So if you're getting whacked
and you raised your hand, then that was the worst
offense you could commit. You could duck, and you could
you know, do like Muhammad Ali sort of doing the
(20:26):
head fakes and the bobs. But what were some of
the other expressions they used? Impudent pop that was a
bad person, if they saw somebody like on the TV
that was being mean or something, or some politician that
was an impudent pup if they weren't humane, I guess,
or if they were mean. So if you were all
(20:46):
of those things, though, and you were good to your mother,
it made up for a lot of sins, ladies and gentlemen.
So if you ever happened to be in my mother's bedroom,
let's say you were trying to raid her candy stash,
which was peppermint Patti's and then those little orange marshmallow peanuts,
then you would see a statue of Mary, and underneath
the statue was a lottery ticket for the Irish sweepstakes,
(21:09):
so we get those once a year. My father played
the numbers ladies and gentlemen, and there was a pool
I believe it was the last four digits from the
Suffolk Downs, and so that way you had to get
the Boston heralds way down in Middletown, Rhode Island, every
day so you could find out what the pool was.
And the pool in itself had a huge history. But
(21:31):
my dad would play I think a quarter a day,
and then they would do all these different things and
they'd call it different things, and then if you won,
believe it or not, I think with the quarter. I
think you got six hundred bucks something like that. It
was enormous. There was a place in Newport where they
would send me in with a little paper and some
rolls dollars to play the numbers sometimes, but generally it
(21:54):
happened at work. They didn't seem to be any legal
authority that stopped the numbers, except when legalized gambling came
and lotteries. Then they had to make sure they got
rid of the number system. I think the dog races
once every two or three months. They'd get twelve to
fifteen bucks and go to Taunton or rain them and
(22:17):
have a great time. The hot dogs there were boiled
with celery seed and mustard. That's how you ate a
hot dog at rainum. And it was working people. Can
you imagine fifteen eighteen thousand people on a Thursday night
going to rain them or Taunton. Now you couldn't get
thirty people to do something nowadays. But they'd come out,
(22:38):
watch the dogs run, get some stories to tell, get
out some frustrations, and they'd come home and then we
would hear for the next two weeks about the one
that got away, of the dog that jumped up in
the air, or the dog that stopped to eat. It
was a colorful, colorful environment. For sure. We had a
housekeeper named Francis. She would show up on Saturday. As
(23:00):
I got into my teens, I would be the one
to pick up Francis. So the first thing you did
was you left the house at nine thirty, picked up
a dozen donuts. Then you picked up Francis, and then
Francis would get to the house and her and my
mother would have coffee. Can you believe that this is
the housekeeper. After about half an hour of donuts and coffee,
(23:20):
Francis would get going. Now Francis had one eye and
it was crossed. She had a glass eye and a
crossed eye. So, needless to say, the spray dusting was
all over the place. But my mother didn't care, and
Francis was part of the family. She was in our weddings,
she knew everything. So at twelve thirty, Francis would have lunch,
and my mother would always have cold cuts for us.
(23:43):
So we'd have special cold cuts for Francis and my
mother and they'd sit there and talk for about an hour,
then back to work, and then at four o'clock it
was time to bring Francis home, we'd see her husband,
mister Hennessy. We'd talk with him and be on our way.
So that was what saturdays were like. Before I picked
up Francis, I would cadd eat. I could carry maybe
(24:04):
two bags for eighteen holes, pick up six bucks. That
was it. I had a sixty two Ford, beautiful car,
three hundred and seventy five dollars. I paid for it
and ran like a top and that's how I picked
up Francis. I have no clue what they paid Francis
or how they paid her, but she got paid. Everybody
seemed to be happy. So it was colorful language. It
(24:29):
was customs. How were we going to do this? How
were we going to do that? It was clothes, It
was food, It was schooling everything children needed, safe homes,
great meals, good lessons. That's what we had, ladies and gentlemen.
Are we getting those lessons today? I don't know. Is
(24:50):
it something we can change. I was talking with a
couple the other day. They homeschool children. I believe they
have seven grandchildren and they're being homeschooled, and they're going
to introduce them into the school system as they approach
high school. So they wanted to get the values and
morals set before they are unleashed into the group of
(25:11):
people in the public schools sector that could recavoc with
those values before they're formed. So I think the first
six eight years of a child's life, they're formed, and
it's going to be hard to make somebody into a
terrible person if they've been raised correctly with proper values.
And I think the opposite, It's true, it's going to
(25:33):
be difficult to straighten them out if their values aren't
set up correctly. Values are like a radar scope and
they help you to do detect when things aren't right.
We had values instilled in us, but the house was
kind of maddening, the frenetic pace, the amount of activity,
the different things happening at all times. It was amazing
(25:55):
that we could all meet at five point thirty every
night everybody was there, was dinner, and at six point
fifteen my mother and my grandfather were having a cup
of tea and my dad was reading the paper lipped
in tea in an aluminum teapot. And then they finished that,
Dishes got done, kids got baths, off to bed, we went.
(26:16):
So it sounds like a dream or it sounds like
a comedy, but it did actually happen. Ladies and gentlemen
fifty years.
Speaker 1 (26:23):
Ago discover safe money strategies with Kelly Kelly and her team.
Called Kelly Financial at eighty eight eight hundred eighty one
or visit Kelly Financial dot org.
Speaker 10 (26:52):
All opinions expressed by the host guests for employees of
Kelly Financial Services are solely their own and do not
reflect the opinions of Kelly Financial Services. Information has been
obtained from source is deemed to be reliable, but their
accuracy and completeness cannot be guaranteed. The information provided is
general in nature and is not intended to be specific investment, tax,
or legal advice. It is always advisable to consult a
professional before making a financial decision.
Discover safe money strategies with Kelly Kelly and her team
called Kelly Financial at eighty eight eight hundred one eighty
one or visit Kelly Financial dot org. Hello.
Speaker 2 (00:16):
This is Greg Murray, Senior vice president and Chief Compliance
Officer at Kelly Financial Services. Joining me tonight is Mary
Madeline Kelly, one of our wealth advisors.
Speaker 1 (00:24):
How are you doing this evening? Hi?
Speaker 3 (00:26):
Greg, I'm doing excellent. Thanks for asking one more wake
up before I get my puppy. I actually decided to
stick with her original name of Melly and ditch the
Tallula idea. It seems like her personality fits the name
Melly much better.
Speaker 2 (00:40):
Mary Madeline, I am so excited to have an office dog,
especially one that I do not have to take care of.
Thank you very much for owning that responsibility.
Speaker 3 (00:49):
It is my pleasure. I will bring her by the
office one day this week's you all can meet her.
And I'm also excited for this conversation because tonight we
are talking about something that really surprises a lot lot
of people. It's not the flashy headlines or stock market swings.
It's the hidden risks in your retirement plan.
Speaker 1 (01:06):
That's right.
Speaker 2 (01:07):
These are the kinds of risks most people don't see
coming until it's too late, And the truth is, even
a solid looking retirement plan can have some blind spots
if you're not paying close attention.
Speaker 3 (01:17):
One of the biggest ones we see is longevity risk.
And I know what you're thinking. Living longer is a
good thing, and it absolutely is, but it also means
your money needs to last longer. We're talking twenty five,
maybe even thirty or more years in retirement exactly.
Speaker 2 (01:32):
And the problem is most people only plan for fifteen
to twenty years. They underestimate how long they'll live and
how much they'll need, especially when you factor in health
care costs, which leads us right into another big one,
unexpected medical expenses.
Speaker 3 (01:44):
Yeah, even with Medicare, people are surprised by how much
out of pocket costs they're still responsible for. And then
there's the long term care. A lot of folks still
believe Medicare will cover nursing homes or assisted living, but
that's not the case.
Speaker 2 (01:58):
We've seen a devastated retire one spouse ends up needing
full time care, and suddenly the couple's entire nest egg
is going towards medical bills. It's heartbreaking and it's preventable
with the right kind of planning.
Speaker 3 (02:09):
Another hidden danger we talk about with clients is something
called sequence of returns risk. Most people haven't heard of it,
and it's one of the sneakiest threats out there, especially
if you're retiring soon.
Speaker 1 (02:20):
This one gets overlooked all the time.
Speaker 2 (02:22):
Basically, it's not just how much the market returns, it's
when if you start drawing income during a market downturn,
you might be selling investments at a loss early in retirement,
and that can really mess with the long term picture.
Speaker 3 (02:34):
Even if the market recovers later, the damage is done
if you are pulling money out while it was down.
That's why we always talk about building a withdrawal strategy,
not just an investment strategy.
Speaker 2 (02:44):
That could mean having a cash bucket or maybe even
using income products that are protected from market losses so
you don't have to rely on selling when the market
is volatile.
Speaker 3 (02:53):
And speaking of over reliance, another issue we see is
people putting too much weight into one type of asset.
We've met with people who have ninety percent of the
retirement savings in pre tax accounts like a four oh
one K or a traditional IRA, and they're not thinking
about the tax consequences when they start drawing from these accounts.
Speaker 2 (03:12):
Exactly, you might see a one million dollar balance, but
depending on future tax brackets, you might only get to
keep seventy percent of it or less. It's not about
what you have, it's about what you keep after.
Speaker 3 (03:23):
Taxes, especially with required minimum distribution starting at age seventy three,
and if the current tax cuts ever expire, your future
tax bill could be higher than you expect it. It's
why we often recommend exploring wroth conversions or diversifying your
tax buckets while you still can.
Speaker 2 (03:39):
And here's maybe the biggest risk of all, not having
a plan at all. We meet a lot of people
who think having an investment account is a retirement plan,
but it's not.
Speaker 3 (03:49):
Not even close a real plan. Answers questions like when
do I claim Social Security? How much can I spend
every year? How do I protect my spouse if something
happens to me? And how do I reduce taxes over
the next twenty to thirty years.
Speaker 2 (04:02):
And that's what we help people do every day at
Kelly Financial. We don't just manage portfolios. We build income strategies,
coordinate healthcare planning, reduce tax exposure and help protect your legacy.
Because retirement isn't just about returns, it's about confidence.
Speaker 3 (04:17):
So if you're wondering whether your plan has a few
cracks in it, or maybe you haven't put one together yet,
come talk to us. It's never too early to start
and it's never too late to course correct.
Speaker 2 (04:27):
Give us a call to schedule or complementary consultation. We'll
help you look under the hood and make sure your
retirement plan is built to last well.
Speaker 3 (04:33):
Thanks Greg for your time tonight, and I hope this
was helpful for those listening. I hope you have a
wonderful rest of your weekend, and I'll see you next
week with my puppy in tow I look forward to it.
Speaker 1 (04:45):
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 4 (04:56):
I believe that this nation should commit it so achieving
the go goal of landing a man on the Moon
and returning him safely to the.
Speaker 5 (05:04):
Earth six five four three two one zero.
Speaker 1 (05:11):
All engine run.
Speaker 5 (05:14):
Look go on to follow eleven.
Speaker 6 (05:16):
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
(05:36):
your goals for your greatest adventure and achievement. Call us
at eight eight eight eight hundred and eighteen eighty one
or visit us at Kelly Financial dot org. Where do
you want to lands and Aglaitybavior ain't have landed. We
are Kelly Financial Services. Come retire with us Safe.
Speaker 1 (05:56):
Money Strategies with Kelly Kelly and her team called Kelly
Financial Life eighty eight eight hundred and twenty and eighty
one or go to Kelly Financial dot org. That's Kelly
at Kelly Financial dot org. Welcome back to Safe Money Strategies.
I'm William Kelly Junior here again with my mom, Kelly Kelly.
In our first segment we talked about the advantages of
(06:18):
ccrcs continuing care retirement communities. Now we want to look
at the other side, the challenges, the costs and the
fine print.
Speaker 5 (06:26):
That's right, William. CCRC's can be a wonderful option, but
they also come with serious commitments financial and lifestyle that
families must weigh very carefully.
Speaker 1 (06:40):
Let's start with the cost. Entrance fees often range from
three hundred thousand dollars to four hundred thousand dollars or more,
depending on the location and size of residents, and then
you have monthly fees, typically five thousand to ten thousand dollars.
Speaker 5 (06:53):
Those monthly fees usually cover housing, mills, housekeeping, and healthcare support,
but they don't cover everything. Advance care like skilled nursing
or memory care almost always cost extra.
Speaker 1 (07:10):
And fees don't stay flat. They rise with inflation, higher
operating expenses, or changes in your care needs. Families have
to plan for what those costs will look like, not
just now, but ten or fifteen years down the.
Speaker 5 (07:23):
Road exactly, and contracts vary widely. Some are rental based,
Others require big entrance fees but refund part of it later.
Some promise lifetime care at stable rates. Each has trade offs,
and every word matters. Mom.
Speaker 1 (07:43):
I think this is one of the most overwhelming parts
for families. You're looking at one hundred page contract and
the language isn't always easy to understand. It's like signing
a mortgage and an insurance policy all in one.
Speaker 5 (07:54):
That's a perfect comparison, and lifestyle is another piece. C
see rcs are structured age restricted communities. Some people love
the order and routine. Others may feel us too limiting,
especially if they're used to a more diverse or flexible environment.
Speaker 1 (08:14):
Compare that to Poppy who's in independent living. His community
doesn't require a buying fee and it gives him flexibility.
It's not a CCRC, but it works for him because
of where he lives and what he values, and it
offers assistant living if his needs change.
Speaker 5 (08:30):
That's the key difference. Ccrcs are a long term, binding commitment.
They work beautifully for some, but they're not right for everyone, and.
Speaker 1 (08:41):
Due diligence is huge. Don't just rely on glossy brochures.
Talk to residents, ask about staff turnover, check state inspection.
Speaker 5 (08:49):
Reports, and very importantly, review the financial health of the organization.
If management isn't strong, families could face higher fees, reduce services,
or in rare cases, even closures.
Speaker 1 (09:05):
That's something I think a lot of people don't realize.
These communities aren't just buildings, their businesses, and if the
business side isn't healthy, the promises they're making may not
hold up long term exactly.
Speaker 5 (09:17):
Families should request financial statements, look at occupancy rates, and
evaluate the community's stability before signing anything.
Speaker 1 (09:27):
And then comes the big question, how do you pay
for it?
Speaker 5 (09:30):
Most people fund the entrance fee by selling their primary home.
Others pull from savings, investments, or in some cases, long
term care, insurance or life insurance benefits. Medicare and Medicaid
don't cover monthly living fees, though veterans may qualify for
certain VA benefits.
Speaker 1 (09:52):
So it often takes a combination of resources, and that's
where Kelly Financial can really help. We help families determine
whether a CCRC fits into their broader retirement plan, and
we create strategies to pay for it without jeopardizing other goals.
Speaker 5 (10:05):
And that's when we put together our Complementary Investor Guide,
your Retirement Income Planning Checklist. It covers housing, long term care,
and how to align your financial plan with your lifestyle goals.
Speaker 1 (10:20):
To get your free copy and schedule complimentary appointment, call
eighty eight eight hundred and one or email Kelly at
Kellyfinancial dot org.
Speaker 5 (10:28):
Bottom line, ccrcs are not for everyone, but knowing the
pros and cons what they offer, what they cost, and
what questions to ask empowers you to make the right
choice for your family, and.
Speaker 1 (10:44):
The more informed you are, the more confident you'll feel.
Speaker 5 (10:47):
That's all the time we have for today. I'm Kelly
Kelly and.
Speaker 1 (10:51):
I'm William Kelly Jr. Thanks for joining us.
Speaker 5 (10:54):
Remember you can always find us Saturday nights on WBZ
News Radio ten thirty or anytime on the iheartapp and
Kellyfinancial dot Org, including our radio rewind tab where you
can listen to past shows.
Speaker 1 (11:13):
Safe Money Strategies with Kelly Kelly and her team. Call
Kelly Financial at eighty eight eight hundred twenty and one
or go to Kelly Financial dot org. That's Kelly at
Kelly Financial dot org.
Speaker 5 (11:27):
I'm Kelly Kelly from Kelly Financial.
Speaker 7 (11:30):
Whether you're in your forties, fifties, or sixties, financial advice
is important when it comes to preserving your nest egg.
We have a free investor guide called Designing your Fiscal
House to Weather the Elements, which highlights the steps needed
to build a balanced portfolio. For the guide, call eight
eight eight eight hundred eighteen eighty one or email Kelly
(11:51):
at Kellyfinancial dot org. We're Kelly Financial. Come Retire with Us.
Speaker 6 (11:58):
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 (12:09):
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 6 (12:22):
Download Kelly Financial's Consumer Guide, simply called the Value of
an objective opinion. With so much at stake with your
retirement future, you don't just want any financial advice, but
objective financial advice. And as a fiduciary, Kelly Financial puts
your interests above all else. Go to Kellyfinancial dot Org
(12:45):
or call eight eight eight eight hundred and eighteen eighty
one to get the guide.
Speaker 8 (12:49):
Ladies and gentlemen, sort fact from fiction.
Speaker 6 (12:52):
We are Kelly Financial Services. Come Retire with us.
Speaker 4 (13:00):
Welcome back to Safe Money Strategies. I'm Mike du sat In.
Joining me this weekend, as he typically does, is Greg Workman.
On tonight's episode, we're discussing some of the benefits that
come with having a written, comprehensive financial plan, Mike.
Speaker 9 (13:13):
A good financial plan is more than just a list
of accounts and balances.
Speaker 4 (13:18):
Right It answers questions such as how much income do
I truly need? What are my income sources so security, pensions, investments,
how can I minimize taxes on withdrawals, what if the
market drops, how long might I live? And what about
healthcare and long term care expenses?
Speaker 9 (13:36):
And, perhaps most importantly, what do you want this next
chapter of your life to.
Speaker 1 (13:41):
Look like exactly?
Speaker 4 (13:43):
That's why our process always starts with one thing, your goals.
We don't jump straight into the numbers. We begin by
having a conversation about what you want out of retirement,
what matters to you, what kind of lifestyle you envision,
and what you hope to achieve both now and in
the future.
Speaker 9 (14:00):
Once your goals are clear, we take a very detailed approach.
We work closely with you to itemize every current monthly
expense housing, healthcare, insurance, transportation, groceries, entertainment, travel, and much more.
We don't generalize, we get specific.
Speaker 4 (14:20):
And then we project those expenses into the future, accounting
for inflation and life changes. For example, early retirees may
spend more on travel in the first ten years, while
medical costs may rise significantly in the last ten.
Speaker 9 (14:33):
It's not unusual for people to realize they've been underestimating
their monthly expenses. Once they see it all clearly laid out,
they're better able to make informed and confident decisions.
Speaker 4 (14:45):
Healthcare is one of the biggest variables in any retirement plan,
and while Medicare does provide a foundation, it doesn't cover everything,
especially long term care.
Speaker 9 (14:54):
That's why we dedicate part of the plan to understanding
how to manage rising medical cost Timing Medicare enrollment, selecting
the right supplement plan, and estimating out of pocket expenses.
These steps are key.
Speaker 4 (15:09):
We also guide clients through long term care planning, which
is one of the most commonly overlooked yet financially devastating
risks in retirement.
Speaker 9 (15:17):
And this ties back to why we project future costs
in detail, because knowing what's coming allows you to prepare
instead of react.
Speaker 1 (15:27):
Mike.
Speaker 9 (15:28):
Some people hesitate to work with a financial advisor, thinking
it's costly or they can do it themselves.
Speaker 4 (15:34):
That's common, but think about it. A good advisor helps
you save more in taxes, avoid costly mistakes and stick
to your plan through market ups and downs.
Speaker 9 (15:43):
We bring expertise on complex topics like social security optimization,
tax efficient withdrawals, medicare, and long term care planning.
Speaker 4 (15:52):
Plus the emotional discipline that's so important during market volatility.
Speaker 9 (15:56):
And we always start with a complementary, knowable legation consultation
to see if we're a good fit.
Speaker 4 (16:03):
One of the first things we provide to new clients
is our Safe Money Strategies workbook. Greg tell us why
this tool is so important.
Speaker 9 (16:10):
This workbook is a step by step guide that helps
you gather all your financial information in one place, assess
your current situation, and then start thinking about your goals.
Speaker 4 (16:20):
It's designed to make what fails overwhelming manageable, breaking down
complex topics into understandable pieces.
Speaker 9 (16:27):
Clients tell us the process is eye opening. They see
where their income comes from, what gaps exist, and how
much risk they are truly comfortable with.
Speaker 1 (16:37):
And that's the best part.
Speaker 4 (16:38):
It's yours to keep no charge just for scheduling your consultation.
It's the first step toward clarity, confidence and peace of mind.
Speaker 9 (16:45):
Mike, We've helped many clients turn anxiety into confidence with
a written financial plan.
Speaker 4 (16:51):
I recall a client couple who were about to retire
but why they didn't have enough saved. After working through
the workbook and our planning session, they discovered some unexpected
sources of income in a way to sequence withdrawals more
tax efficiently.
Speaker 9 (17:04):
They left feeling empowered and decided to retire a year
earlier than planned with peace of mind.
Speaker 4 (17:12):
That's the kind of results a written plan delivers. It
removes guesswork and gives you a clear path forward.
Speaker 9 (17:17):
There's one final element we always explore in our process,
and that is your legacy goals. Retirement isn't just about
spending and sustaining that spending. For many people, it's also
about what they want to leave behind to family, friends,
and loved ones exactly.
Speaker 4 (17:34):
Legacy means different things to different people. It could be
about leaving money to grandchildren or your children, giving to
a favorite charity, funding education, or even establishing a trust.
Speaker 9 (17:45):
We guide clients through estate planning conversations so that they
fully understand how to protect and pass on their assets
with minimal tax impact. That could include reviewing beneficiary designations,
setting up trusts, or even consider bring charitable gifting strategies.
Speaker 4 (18:02):
We've seen firsthand how a thoughtful legacy plan brings families
together and prevents conflict. It's not just financial, it's emotional.
It's about leaving a footprint that reflects your values.
Speaker 9 (18:13):
And again, this part of the plan is tailored. Some
clients want to spend every penny during their lifetime, Others
want to leave a very specific amount behind. Either approach
is fine as long as it's intentional and built into
the written plan.
Speaker 4 (18:29):
When your income, needs, expenses, healthcare, taxes, investments, and legacy
goals are all aligned, that's when you truly have a
comprehensive financial plan, and that's what we deliver.
Speaker 9 (18:41):
If you're feeling overwhelmed or uncertain about retirement, don't wait.
The earlier you create your plan, the better your chances
of success.
Speaker 4 (18:50):
A written financial plan turns uncertainty into confidence. It helps
you ensure your savings lasts as long as you do.
Speaker 9 (18:57):
Take that first step and call us at eight eight
eight eight hundred eighteen eighty one once again eight eight
eight eight hundred eighteen eighty one, or visit Kellyfinancial dot
org to schedule your complimentary no obligation consultation with that
I am Greg Workman, and.
Speaker 4 (19:17):
I'm Mike, you said, join us next week for more
safe money strategies.
Speaker 1 (19:24):
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 5 (19:38):
Each week, we like to take a moment to step
back and remember the timeless wisdom that never goes out
of style. Bill Kelly had a gift for seeing life's
lessons in the everyday moments, whether it was family, work
or just a story from the farm. His words still
guide us, and I know they'll speak to you too,
(19:58):
So Liz Paul's for one of those reflections, here's Bill Kelly.
Speaker 8 (20:04):
One thing I can remember, my mother said clearly, don't
raise your hands to me when I'm hitting you. You're
going to break my wrist. So if you're getting whacked
and you raised your hand, then that was the worst
offense you could commit. You could duck, and you could
you know, do like Muhammad Ali sort of doing the
(20:26):
head fakes and the bobs. But what were some of
the other expressions they used? Impudent pop that was a
bad person, if they saw somebody like on the TV
that was being mean or something, or some politician that
was an impudent pup if they weren't humane, I guess,
or if they were mean. So if you were all
(20:46):
of those things, though, and you were good to your mother,
it made up for a lot of sins, ladies and gentlemen.
So if you ever happened to be in my mother's bedroom,
let's say you were trying to raid her candy stash,
which was peppermint Patti's and then those little orange marshmallow peanuts,
then you would see a statue of Mary, and underneath
the statue was a lottery ticket for the Irish sweepstakes,
(21:09):
so we get those once a year. My father played
the numbers ladies and gentlemen, and there was a pool
I believe it was the last four digits from the
Suffolk Downs, and so that way you had to get
the Boston heralds way down in Middletown, Rhode Island, every
day so you could find out what the pool was.
And the pool in itself had a huge history. But
(21:31):
my dad would play I think a quarter a day,
and then they would do all these different things and
they'd call it different things, and then if you won,
believe it or not, I think with the quarter. I
think you got six hundred bucks something like that. It
was enormous. There was a place in Newport where they
would send me in with a little paper and some
rolls dollars to play the numbers sometimes, but generally it
(21:54):
happened at work. They didn't seem to be any legal
authority that stopped the numbers, except when legalized gambling came
and lotteries. Then they had to make sure they got
rid of the number system. I think the dog races
once every two or three months. They'd get twelve to
fifteen bucks and go to Taunton or rain them and
(22:17):
have a great time. The hot dogs there were boiled
with celery seed and mustard. That's how you ate a
hot dog at rainum. And it was working people. Can
you imagine fifteen eighteen thousand people on a Thursday night
going to rain them or Taunton. Now you couldn't get
thirty people to do something nowadays. But they'd come out,
(22:38):
watch the dogs run, get some stories to tell, get
out some frustrations, and they'd come home and then we
would hear for the next two weeks about the one
that got away, of the dog that jumped up in
the air, or the dog that stopped to eat. It
was a colorful, colorful environment. For sure. We had a
housekeeper named Francis. She would show up on Saturday. As
(23:00):
I got into my teens, I would be the one
to pick up Francis. So the first thing you did
was you left the house at nine thirty, picked up
a dozen donuts. Then you picked up Francis, and then
Francis would get to the house and her and my
mother would have coffee. Can you believe that this is
the housekeeper. After about half an hour of donuts and coffee,
(23:20):
Francis would get going. Now Francis had one eye and
it was crossed. She had a glass eye and a
crossed eye. So, needless to say, the spray dusting was
all over the place. But my mother didn't care, and
Francis was part of the family. She was in our weddings,
she knew everything. So at twelve thirty, Francis would have lunch,
and my mother would always have cold cuts for us.
(23:43):
So we'd have special cold cuts for Francis and my
mother and they'd sit there and talk for about an hour,
then back to work, and then at four o'clock it
was time to bring Francis home, we'd see her husband,
mister Hennessy. We'd talk with him and be on our way.
So that was what saturdays were like. Before I picked
up Francis, I would cadd eat. I could carry maybe
(24:04):
two bags for eighteen holes, pick up six bucks. That
was it. I had a sixty two Ford, beautiful car,
three hundred and seventy five dollars. I paid for it
and ran like a top and that's how I picked
up Francis. I have no clue what they paid Francis
or how they paid her, but she got paid. Everybody
seemed to be happy. So it was colorful language. It
(24:29):
was customs. How were we going to do this? How
were we going to do that? It was clothes, It
was food, It was schooling everything children needed, safe homes,
great meals, good lessons. That's what we had, ladies and gentlemen.
Are we getting those lessons today? I don't know. Is
(24:50):
it something we can change. I was talking with a
couple the other day. They homeschool children. I believe they
have seven grandchildren and they're being homeschooled, and they're going
to introduce them into the school system as they approach
high school. So they wanted to get the values and
morals set before they are unleashed into the group of
(25:11):
people in the public schools sector that could recavoc with
those values before they're formed. So I think the first
six eight years of a child's life, they're formed, and
it's going to be hard to make somebody into a
terrible person if they've been raised correctly with proper values.
And I think the opposite, It's true, it's going to
(25:33):
be difficult to straighten them out if their values aren't
set up correctly. Values are like a radar scope and
they help you to do detect when things aren't right.
We had values instilled in us, but the house was
kind of maddening, the frenetic pace, the amount of activity,
the different things happening at all times. It was amazing
(25:55):
that we could all meet at five point thirty every
night everybody was there, was dinner, and at six point
fifteen my mother and my grandfather were having a cup
of tea and my dad was reading the paper lipped
in tea in an aluminum teapot. And then they finished that,
Dishes got done, kids got baths, off to bed, we went.
(26:16):
So it sounds like a dream or it sounds like
a comedy, but it did actually happen. Ladies and gentlemen
fifty years.
Speaker 1 (26:23):
Ago discover safe money strategies with Kelly Kelly and her team.
Called Kelly Financial at eighty eight eight hundred eighty one
or visit Kelly Financial dot org.
Speaker 10 (26:52):
All opinions expressed by the host guests for employees of
Kelly Financial Services are solely their own and do not
reflect the opinions of Kelly Financial Services. Information has been
obtained from 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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