Retirement Planning Show

September 13th, 2025.

Episode Transcript

Speaker 1 (00:00):
The opinions, viewpoints, and promises made during the following program
are not those of wgy it's staff, management or parent company. iHeartMedia.

Speaker 2 (00:24):
All right, good morning, glad to be here. I'm Dave Kopek,
your host. We're here on the weekends from seven to
nine The Retirement Planning Show. Got a pretty important show today.
I want to make sure that all of our listeners

(00:44):
understand that we've got a very special guest coming on
in the second hour of The Retirement Planning Show, and
we're going to do a little bit of a summary
an over sight of Tunnel to Towers. We have a firefighter,

(01:04):
a gentleman that's going to be joining us that was
with the New York City FDUY and he's going to
talk about his background. He's a battalion commander. He was
there the day nine to eleven. And as you're all
quite well aware, we do a golf tournament every year

(01:27):
and typically it's been for the American Cancer Society and
then another organization. This year it's the American Cancer Society
and Tunnel to Towers and we're proud to be able
to do this. It's going to be September twenty fifth,
I'm going to give you a lot of the details
throughout the morning for a lot of people. If you

(01:51):
want to participate, it's going to be a fantastic day.
And I think we'll find out it's both of them.
I don't think there's anybody that hasn't been touched by
cancer through your family, and of course Tunnel to Towers.
I don't have to speak about that. It's all over
the news. What they do, they do God's work and
it's a it's a pleasure for us at the Retirement

(02:13):
Planning Group. We try to give back as much as
we possibly can. And I want to thank Doug, one
of our listeners. I didn't reach out to them. I
usually don't return emails. I'm not a good email person.
I like to talk on the telephone. I find sometimes
when you send emails, people kind of misinterpret how you
have the content. But I want to tell Doug thank you.

(02:36):
I talked about that bar at the bottom of the hill.
What was the bar at the bottom of the hill? Well,
he told me. I remember as soon as I saw it,
Dappers and in the seventies it was twenty five cent
drafts and dollar pictures. If you can believe that in
the early seventies, predominantly a bar for local railroad people,

(02:58):
but eventually turned into a college. So thanks Doug Dappers
Siena College. Back in the seventies, I was a brown bagger,
didn't live on campus. They used to call us the
brown baggers. We used to bring our lunches. Hard to

(03:19):
describe this week, hard to describe what we've seen over
the last seven to ten days. And there's just evil
in this world, folks, There is evil in this world.

(03:42):
And you know, you can pray a lot and get
down on your hands and knees, and it still doesn't
take away the pain a lot of ways of what
has transpired. That horrific video that we see of that girl,
of course, and Charlotte, they got stabbed to death by

(04:04):
a maniac. And then, of course, you know, we celebrated
nine to eleven this week throughout the United States, and
while that celebration was going on, we had the death
of an unbelievable young man, Charlie Kirk. And you know,

(04:29):
I don't know if you read the New York Post
or not, but there was a maniac down a queen's
an elderly couple. He's been arrested eleven twelve thirteen times,
went in, killed the couple, tortured them, slaughter basically didn't
it was they slaughtered him. And not only did he

(04:56):
slaughter him, but he did it for an extended period
of time. Stabbed him, burned them, and blested them, sadistic
killer for about five hours. Then he went out and
went shopping and went to see a movie. You know,

(05:25):
I think about this sometimes. My dad was a diehard Democrat.
My dad died in nineteen sixty eight, and I always
look back at what he saw in his lifetime, and
I just questioned what he would think today if he

(05:47):
saw the circumstances that we live in right now. I
pray every night for my kids. I tell my kids,
you're somewhere where there's hostility things going on, grab your
hack and go. You know, I got a twenty year
old daughter that lives in Florida going to college at FAU.
I hold my breath, make sure everything's okay. We do

(06:10):
everything her mother and I in order to put her
in a safe spot. I thank god. She's not a
party animal. She likes to have fun, but she's not
a drinker and a partier, so that she doesn't put
herself in a position. But I think, you know, as
a society, you know, this is a financial program, and

(06:32):
I'm not going to spend a lot of time in
this because I don't believe our job is to sit
here and talk about morality. But I do think that
as a society, we have to give some thought as
far as what's going on here because there's a whole
hell of a lot of violence cities you're unable. I

(06:53):
feel bad for these people that are in poverished. They
don't have enough money and they have to stay in
these cities and what they have to live with. I
saw a show on TV this week about Chicago and
this reporter went around with one of the gang members
and his one of his partners, the posse, and it

(07:14):
was scary. It was scary. I can't even imagine they're
walking around with machine guns guns. I mean, it's like
it's nothing. Twelve thirteen fourteen year old kids walking around
with guns. Life is, you know, no big deal taking
a life. So you know, I've said this over and

(07:41):
over again, and you know, I grew up in a
small little town, Scotty Cooke, where we didn't lock our doors.
Everything that we needed was within probably walking distance, the
IgA Bots, Pats and Alas, the drug store, Agway, Wiley Brothers,

(08:05):
as far as all your lumber and appliances. They had
everything for me to see Tommy Wiley and his family.
But I'll tell you what, folks, I yearned for those
days when your son says to you, I won't tell
you which one our son, one of our sons said

(08:27):
to us not that long ago, to my wife and I,
you and dad grew up in the best time. It's
kind of said. So I don't know how this whole
thing's going to shake out, but you know, I think

(08:48):
I'm here to educate inform you about retirement investment asset
protection legacy, and we're going to focus in on that
weekend back. But I would highly recommen if you can
say a prayer for those people that I just talked about.
They may God welcome them into His arms in heaven

(09:09):
because they did not deserve what they got at the
very end of their lives. I can't imagine those poor kids,
Charlie Kirk's kids. I know it's like not to grow
up with a dad, and it sucks so over You're
right back. This is a Retirement Planning Show. As I said,
if you can give a little prayer out there today,
go to church tomorrow, God bless you all. We'll be

(09:32):
right back after this quick message.

Speaker 3 (09:46):
Retirement might feel far off, or maybe it's just around
the corner. Either way, it's never too early to start planning.
The experienced team at Retirement Planning Group makes the process simple, straightforward,
and all about you. Pressure, just smart advice. To help
you feel confident about what's next. Visit rpgretire dot com

(10:06):
or give them a call at eight eight eight five
eight zero nineteen nineteen to schedule your consultation today. That's
rpgretire dot com. Your future self will thank you.

Speaker 2 (10:17):
Retirement is in a Sunday thing. It's a now thing.
Whether you're just starting out or nearing the finish line,
the best time to build your retirement plan is today.
Don't wait for the right moment. Let's create a plan
that works for you. Secure your future and the freedom
that comes with it. Call my office today and take action.

(10:38):
Eighty eight eight five EAD zero one nine one nine.
That's eighty eight five EID zero one nine one nine,
and your future will thank you. Retirement isn't a Sunday thing.
It's a now thing. Whether you're just starting out or
nearing the finish line, the best time to build your
retirement plan is today. Don't wait for the right moment.

(10:59):
Let's eat a plan that works for you. Secure your
future and the freedom that comes with it. Call my
office today and take action. Eighty eight eight five eight
zero one nine nine. That's eighty eight five eight zero
one nine nine, and your future will thank you.

Speaker 4 (11:16):
Born on America's darkest day of nine to eleven, the
Tunnel to Towers Foundation has been helping America's heroes ever since.
People who put their lives on the line for our
country and our communities need your help now more than ever.
Join Tunnel to Towers on its mission to do good
in their honor. Never forget nine to eleven or the
sacrifices of this country's heroes and their families. Show your support.

(11:39):
Donate eleven dollars a month at T two t dot org.
That's T the number two.

Speaker 2 (11:49):
All right, we are back, and let me just say
that we are having a golf outing September twenty fifth.
It's open to everyone, just our clients, but to everyone,
and it's going to be held at the fair ways
of Half Moon Golf Course September twenty fifth. The benefit

(12:09):
is going to be one hundred percent. Of the cash
that's raised will be for Tunnel to Towers in the
American Cancer Society seventy percent. This year we'll go to
Tunnel to Towers thirty percent of the American Cancer Society.
And if you want to participate, if you're a VET,
if you're someone that has a soft spot in your
heart for the people that have given the ultimate sacrifice,

(12:30):
you know, I know that people have heard me say this.
Before I went out on my own, I was with
Morgan Stanley and we used to spend a lot of
time Tower one, in Tower two, stayed at the Vista Hotel.
And if you know anything about New York City, you'll
know exactly where I'm talking about. And by the grace
of God, by the grace of God, myself, Frankie Dyer,

(12:56):
Kenny Glant, Tony Malatino, Nick Alessandro, the guys that originally
start to that office, we weren't there that day, by
the grace of God, because you used to go down
there a lot for training, etc. Meetings. I think all
of us at one time in our life. Want to

(13:16):
give back, and this is an opportunity for you to
give back. You don't have to participate, you can make
a donation. But I can tell you all of our events,
I think our first class. Everybody walks out of there
with something, and we're proud. We are proud, extremely proud
to support these remarkable organizations. This is our first time

(13:42):
around with T two T Tunnel to Towers, and I
can tell you everything that I have seen so far
has been first class. And as I said, we have
a retired Fire Department battalion, a commander coming on in
the second hour, Jack Ome, and I can't wait to
talk to him. And as I said, if you want
to participate, it's a golf outing, it's a wonderful day.

(14:05):
Even if you don't want a golfer, you don't you care.
You can come for the dinner, or you can make
a contribution. All you have to do is to call
Jimmy at my office at five one eight five eight
zero one nine one nine five one eight five eight
zero one nine one nine and say you want to
talk to Jim and you want to make sure that

(14:25):
you have reserved your spot, because I would imagine I
don't know where we stand right now, but as I said,
we want to make this great. Our goal is twenty
five thousand dollars this year. That's what how much we
want to generate. And I think we have a good
chance to do it. And ef you don't make it,
I think I'll make up the difference myself personally, because

(14:49):
I feel that these guys. You know, I don't know
if you remember that day, folks, but I remember as
if it was yesterday. Can you imagine being on those
top floors and your only option is to jump, they
used to call the jumpers. You know, we get wrapped

(15:11):
up in our lives or Monday through Friday, go go.
And you know I heard this week some of the
recordings of the people that were making their last phone
calls to their loved ones, and it tears your heart up.
Daughter of a father calling from the windows of the
world if she was there for a breakfast meeting, which

(15:34):
we went to many times. You know, we think about
you know, I think this is why so many people
are depressed. You know, this is a difficult world that
we live in sometimes. So as I said, if you
want to participate, we would love September twenty fifth. It's

(15:54):
going to be held at Fairways of half Moon. The
whole team there. My cousin works there, Carol in the
banquet facility. They do a phenomenal job. So we'll be
talking about this this morning. But if you want to attend,
if you're outside the five one eight area code, it's
eight eight eight five eight zero one nine one nine,

(16:15):
say you want to participate, you can do i RA
contributions and not have it as a textable event for this.
So there's a lot of different ways that you can
you can satisfy your arm D there's a lot of
different ways you can contribute. If you can't be there physically,
then we can talk to you about that on the telephone.
So all right, let's talk a little bit about the markets.

(16:42):
Everything that we've been waiting for folks over the last
twelve to eighteen months, right is going to probably happen
this week. The expectation is the Fed is easing. The
cut's coming this week and there's been down to revision,

(17:07):
to job gains, higher initial jobless claims, softening labor market,
so we expect the Fed cut rates on September seventeenth.
I don't know what's going to happen as far as
the pace of easy, but I think I wouldn't be surprised,

(17:35):
and I've been saying this for a fifty basis point cut.
Most of Wall Street is looking at twenty five basis points.
I wouldn't be surprised for a half a percentage point
if it happens. It happens, but there will be a
cut come this week. So, you know, a lot of
the data they came in last week CPI, PPI, you know,

(18:00):
of it was a little bit hotter than what expected.
PPI was well below estimates. A lot of the brains
of Wall Street, you know, all these people that are
so smart, we're not even close. As far as the
increase they came into two point six, Wall Street was
looking at three point three. So, you know, people worry

(18:23):
about tariff related hikes and it seems to be contained.
His messaging seems to be consistent is that, you know,
I want to know what the hell's going on locally
here with gasoline, because they're talking about two dollars gasoline
around the United States, and gasoline where I live is
going up. It's at three twenty nine now at Stuart's

(18:45):
and half moon. Why that is, I have no idea.
Maybe it's because state did they add more state tax?
So the fight. Despite the inflation remaining above the two
percent target that the Fed is consistently said, the Fed
seems to be poised to resume interest rate cuts for

(19:06):
the first time this year and support its maximum employment mandate.
So this month, the FEN will also update its quarterly
economic projections. And for a lot of us, it's blah
blah blah. A lot of people really don't care about this, so,
you know, but people care about one thing. How am

(19:27):
I doing? Okay? So we've been saying that buying eels
are going to be moving, We've been wrong for the
last twelve months. They haven't really dropped that dramatically. But
guess what, it's starting to happen. I mean, we've been
having strong coupons one, you know, yielding hansers. I always

(19:50):
talk about yielding cancers. They're going to fluctuate more than
your average type of investment, but yielding cancers basically give
you that extra that extra push as far as yielding
your portfolio. One in particular that we have has really
come back pretty dramatically this year. But they trade, they're volatile,

(20:11):
not extremely volatile, but they're volatile. But you're buying coupon,
you're buying yield. And I think you'll see with your
traditional your corporate you know, your muni bonds, you know
muni bonds I think are a screaming buy right now.
You can get four to four and a half depending
on you know, the quality of the bond portfolio, get

(20:32):
as high as almost five percent in immuni right now.
So you know, it could be a great time for
you to reposition some of your wealth and your fixed
income CDs, money market accounts, treasuries into munies because as
the Fed likely cuts rates in the months ahead, you
know you're going to start seeing some capital appreciation, you know,

(20:56):
total return in your bond portfolio. So that rate cuts
should be you know, help us keep yields you know,
probably where they are right now. And because you're already
priced in one cut the bond market. But like I said,
you're going to get some capital appreciation in your bond portfolio. So,

(21:20):
as I said before when we did a summary here
a little bit, the labor market appears to be softening.
Bad news on Wall Street is good news sometimes to
the investor. So the economy is stabilizing. I listened to
Trump yesterday on Fox and Friends. He talked a little
bit about what's going on in regards to deregulation, monetary policy,

(21:45):
the terriffs, et cetera. He's in the camp and a
lot of his advisors that, as he said, this is
almost word for a word, you know, depending on what's
going to happen with this tariff uncertainty. If it goes
through and the Supreme Court basically continues his path, he
thinks it's going to be a skyrocket as far as

(22:07):
the economy, the way it's going to go. So like
anything else, you know, make sure that you're looking at
your fixed income, make sure that you're allocating properly based
on your risk tolerance. Overall, we suggest underweighting in my opinion,
international bonds. I'm not big on international bonds. I never

(22:30):
have been and I never will be. I think you
can get more bang for your buck here as far
as the corporates high yield that you can get with international,
I think you need to go offshore and get a
pretty good return on your portfolio. And as we go
into this last quarter, which is hard to believe, folks,
we're going to be in the last quarter pretty soon.
You want to make sure your investments are aligned with

(22:51):
your goals, and overemphasize that you know time horizon. What's
your time horizon? Are you comfortable with your risk? Can
you access some of your money if you have a
nine to one to one situation? You know, we always
say five to ten percent should be sitting in liquid
assets that you can get your hands on a very

(23:12):
short period of time. So as we sit here, as
I said, for the week, the Dow was up one percent,
sm P five hundred was up one point six and
the nags nasdak was up a very pretty good two
percent for the week, and the ten year treasury what
kind of was flat, and we still sit at four
point six on the tenure, but some decent gains. Dows

(23:37):
up seven point seven s and P five hundred is
up about twelve. Nasdak is up almost fifteen percent. And
as I said before, make sure that you've got the
right allocation. You should be looking at it right now,
going into the last quarter of the year. You should be.
If the advisors are not reaching out to you and
say that we want to have a chat, right give

(23:58):
them a call. But the big event going to hear
a drum roll, please, the Federal Reserve meeting will be
this week, and to say that it will be watched
aggressively is a understatement. And not only is this important
for the overall financial markets, but I think it's critical, folks,
for the housing market. Critical for the housing market. So

(24:22):
we're going to be back after the news. I'm Dave Kopek.
This is the Retirement Planning Show. If you have any
questions or comments, you can give me a call one
eight hundred Talk WGY. One Talk WGY. We'll be right back.

(24:51):
Good morning. I'm Dave Kopek. This is a retirement planning show.
Hard to believe. We're going into our twenty six year
now in radio. I had a chat with w g
Y and our marketing representatives. Hopefully find it informative, educational.
We're not here to sell you anything, but I'm not
gonna lie. It's a good way for us to have

(25:12):
first and possibly second meetings with individuals. They know who
we are and they know what we do. You know
the type of people that we are. We don't try
to do pinocchios. We don't try to talk negative about anybody.
What we try to do is give you information that
you find informative, educational, and then you got to make
a decision if you want to commem in and have

(25:32):
a chat with us. We do it pretty much on
a soft touch basis. First meeting, we commit, have a chat.
Second meeting, we have understanding of what we think we
want to do, put in the rubber to the road.
And then the third meeting if you come back, if
you decide to work with us, which most people do,
that's when we start basically getting down to the nitty gritty.

(25:55):
I'm here today by myself, not because my great staff
didn't want to be here, but I knew that I
had the gentleman coming on at the second hour from
the FDNY Fire Department of New York City talk about
tunnel to towers. But you know they're busy, you know.

(26:15):
Nico and Christopher my Son were out in Syracuse on Thursday.
I don't think they got back until like a thirty
at night, quarter to nine, And yesterday they were at
an event that we participated in for a good cause,
and Nico, Chris, Jimmy Quirkoran and of course Chris McCarthy

(26:37):
sent them. I stayed with the staff at the office,
and you know they deserve a long weekend too, so
hopefully they're enjoying themselves and basically taking a breather because
we have been extremely busy, which is good. We're not
busy that we've got a problem. You know, we talk

(26:59):
about I'm going to give you another summary when we
come back from the break at the forty five about
our special guests. But again, I just briefly. I don't
want to sound like a broken record here, folks, but
this is so important to me and I think it
should be important to you also because I've seen God's
work done by the Tunnel to Towers and also the

(27:20):
American Cancer Society. So we would love for you to
participate in any way that you can. You can play golf,
you can come just for the dinner, or of course
you can just make a donation. And it's going to
be September twenty fifth at the Fairways at half Moon.
Registration as a eight fifteen shotgun start is at nine

(27:43):
to fifteen. You can there's all sorts of stuff. You
go in a hot tub, you go in a car,
there is all sorts of gifts and prizes. If anybody's
been there. You know, we basically everybody walks out of
there with something in one percent of the proceeds. You know,
myself are strategic partners. People that we work with make
donations in order to facilitate this event and all the proceeds.

(28:05):
I think last year we generated something ballpark like sixteen
thousand dollars that was went to the American Cancer Society
and someone else. But our goal this year, of course,
is twenty five thousand dollars. So again, if you would
like to participate, call our office five eight five, eat
zero one, nine to one nine. I talked to Jim Corkoran.

(28:25):
Jimmy's the one that every year I thank him. He
does a good job putting all this together. It's not easy,
believe me, it's not easy. So, as I said, we're
going to talk a little bit more about this in
greater detail towards the end of this first hour. So
we give a good introduction to this gentleman that took

(28:46):
some time out of his weekend. He's a thirty two
year old veteran, and he's going to talk a little
bit about one of the saddest days of his life.
Nine to eleven. You know, we're in peak time. As
far as the amount of people that are turning sixty five,

(29:09):
you know, I said this last year and it continues
into this year, about eleven two hundred people every day
during the age of sixty five. And the thing is
is that what used to be ten thousand dollars a
day is now eleven two hundred a day. And the

(29:29):
trend is emerging that a significant portion of these individuals
lack pension benefits. They don't have pension benefits, so it's
putting them at risk about living their savings. And it's
also puts them at risk as far as what do
I do. How do I allocate my money in order

(29:53):
to facilitate what I need during my post retirement years
when I stop receiving a check and now I have
to create a check because about ninety percent of us
do not have pension benefits. So there's all sorts of research,
there's all sorts of data, there's all sorts of information

(30:17):
out there about how to get your retirement income plan
running and up to speed. And I want to overemphasize
this because I bet with some prospective clients the other
day and they're about six to eight months away from retirement.

(30:38):
And I said to the gentleman, I said, well, you're
about three or four years late, and you looked at me.
He just sat back in his chair and goes, what
do you mean by that? And I said, well, you
should start your buckets of money three to five years
at a minimum. You turned fifty nine and a half
or sixty years old, you got a significant amount of
money in your four oh one K, four H three
B whatever it may be, KEYO, you want to make

(31:03):
sure that you start building your buckets and money in
order to facilitate what you're going to need as far
as income during during your retirement income years. So we
can sit down right now and do a rise score.
And the hell's that? What's a rise score? Retirement income

(31:28):
security evaluation? See if you're on track, how much income
are you going to need to cover your basic living expenses?
And it's almost like you're going out and you're doing
a credit score, except what you're doing is that you're

(31:48):
doing an income score. Niko and I spent some time
with some great clients of ours down in the One
area with a few of them, one couple in particular,
we had to chat with them about you know, what's necessary,
what's necessary for income in order to have quality of life?

(32:13):
And surprisingly right which that didn't surprise me because I
knew where we were headed right after we met with
them and they elected to work with us, that they
were going to have more than enough income during their
retirement years. Their problem was going to be income. It
was managing all this money, a lot of it pretexts,

(32:35):
which is the biggest Achilles skill for all of us folks,
including me. His wife said to me, what are you doing.
You're doing this, you know you're doing the things that
you're suggesting to us, And the answer is yes, I am.
So you know, I'm not trying to bang the drum

(32:55):
because we talk about this. You need to get off.
You're duff and you need to start sitting down and
having conversations, whether it's with Retirement Planning Group, any of
the other financial organizations that are out there. There's a
lot of other opportunities here on WGY, other stations, etc.
You know, there's all sorts. I see there's a lot

(33:17):
of rubber chicken dinners are out there. Again, what the
hell is a rubber chicken? We used to do them
all the time. You send invitations come have dinner around
us and we'll talk to you about social security, or
come talk to us about retirement income distribution. Come talk
to us and we'll have a chat. And while we're
having the chat, we're going to serve you a rubber chicken.

(33:41):
And that's fine. It's a great way for people to
have dinner and be entertained by the individuals that are
giving the presentation. But what I say consistently over and
over again is that you need to do this, folks
well before the day that you retire. You can't just

(34:01):
get a check and say, oh, okay, let's go. You know,
as I said, no plan, any destination will do. And
it's very true, no plan, any destination will do. And
you know what my concern is after doing this now
going into my soon to be forty fourth year, which

(34:27):
is kind of scary, is there's I think a lot
of misinformation as far as how retiree should title assets
in retirement. Should it be in a trust revocable, should

(34:52):
it be in an irrevocable trust, should it be in
a tod a pod right? What about my beneficiary forms
primary contingent? Can I name a trust right? And you'll
talk to five different attorneys, and you're gonna get five

(35:14):
different answers as far as what needs to get done,
which I, as a financial advisor, find problematic. But I
always go back to what I say over and over again,
what will your zip code be during your retirement years,
because that will dictate got a couple right now that

(35:34):
we're trying to figure out are they going to be
in Massachusetts or are they going to be in New York?
What's going to be your primary because I talked to
the attorney the other day and the attorney said it'd
be much more advantageous for them to have their legal
address for New York because New York gives them more
protection than Massachusetts. Do you know that there's a lot

(35:55):
of people here in the Capitol District region. They'll leave
the Capital District region, they go to the Cape, you
go to the Berkshires. You know, I got a cousin
that just bought a beautiful townhouse condo in the Berkshires.
She lives in Philadelphia with her husband, and that's gonna
be there, I guess retirement home. We're gonna have a chat,

(36:17):
They're gonna come up and have a conversation with us,
but make sure you understand all of these different things
that can really have a dramatic impact, not only as
far as protecting your estate, but also protecting how wealth

(36:37):
is transferred to the next generation. Critical nine to one
to one stuff. So in Quebec, it's our last segment
of this hour and talk a little bit more about
this whole retirement income distribution and setting up your plan.
But we're also going to talk about our golf outing.
I'm Dave Kopek. This is a retirement planning show.

Speaker 3 (37:08):
The biggest mistake in retirement planning waiting too long. The
sooner you start, the more options and peace of mind
you'll have. Dave Kopik and the Retirement Planning Group are
here to help you build a smart plan that grows
with you. Whether you're five years out or just getting serious,
Now is the time.

Speaker 4 (37:26):
Don't put it off.

Speaker 3 (37:27):
Visit rpgretire dot com or call eight eight eight five
eight zero nineteen nineteen to schedule your consultation today. Start early,
retire better.

Speaker 2 (37:37):
You've spent a lifetime saving for retirement. Now it's time
to make that money work for you. Here's the secret
most people miss. You have to create your own retirement
income plant. Social security is not enough. Pensions are rare.
You need a strategy that turns savings into monthly income
that will last a lifetime. At the Retirement Planning Group,
we build customized income distribution plans so you can retire

(37:59):
with confidence, tires smart, Live Well. Call eight eight eight
five eight zero nine nine for your complementary consultation.

Speaker 4 (38:07):
Ali Dwyer and her three sons lost their hero, Stephen,
serving our country in the United States. Army was Stephen's
calling and flying helicopters was his passion. Stephen was killed
in a Blackhawk helicopter crash over the Mediterranean Sea. Thanks
to friends like you, Tunnel to Towers provided his family
with a mortgage free home, giving them security and hope
in their darkest hours. Help more families like the Dwiers.

(38:30):
Donate eleven dollars a month to Tunnel to Towers at
T two t dot org. That's t the number two
t dot org.

Speaker 2 (38:37):
We are living through the greatest wealth transfer in the
history of mankind. Trillions of dollars of wealth will change
hands from one generation to the next. Your money to
our beloved children and grandchildren. Are you ready? Your future
isn't written by chance. It's written by action. Now's the
time to build your plan, protect your assets, and position
yourself for the opportunity. Don't wait, take action. Sure favors

(39:00):
those that are prepared. Call eighty eight five eight zero
one nine one nine. That's eighty eight five e All right,
we are back. Good to be here. Happy weekend. My

(39:24):
amigos are taking the weekend off because they deserve it.
And also I was supposed to be in Europe. I
canceled my trip because of what was happening with drones.
I was supposed to go to Poland. Drones were flying
around blowing up houses. So my cousin, my wife and

(39:44):
I and my other cousin we decided maybe we should
wait to go see our relatives in Poland. So it's disappointing.
I'd like to be there, but the bottom line is
is that it's no fun going somewhere if you have
high anxiety and stress. So next year, my wife's working
on it. Next year, after a year of planning, it's

(40:05):
kind of disappointing. But life goes on, you know, as
life expectancies increase. I say this over and over and
over again. Planning now involves preparing, not just for income,
but decades long period of health in financial needs. Right,

(40:32):
I can't tell you how many phone calls and how
many people have called in to talk to us about
health insurance, long term care insurance. So for the growing
number of what we call the blended families, this is very,
very challenging, not only as far as how they're protected,

(40:57):
but also the legacy that they wish to leave their
loved ones. If I have children by a first marriage,
I'm now married, you know, how do I take care
of my kids? Right? One spouse comes into the marriage
with more money than the other. We want to ensure
that there's fairness and security for both. So if one
of the spouse has passed away, how much money goes

(41:18):
to the kids versus how much has to be retained.
I mean, this is complicated landscape. You know, We've had
situations that we've worked on, so fortunately there are solutions now. Right,
the traditional family structure is not like it used to be.

(41:39):
You know, Ah, that's kind of an understatement, right, It's
when we say that the family structure is not like
it used to be. Blended families have really really had
a huge impact our business. So you want to avoid

(42:04):
family conflict and you want to have financial security for
your loved ones, you know, and you've got to provide
for your spouse while the spouse is still living, right,
one's going to pass away. First, you got to start
thinking about what the solutions are. And of course, if

(42:28):
your husband and wife, there's that difficult thing called the
long term care, right, how are you going to pay
for that and guarantee a legacy? So there are products
that are out there right now, life insurance. They're called
linked benefit life insurance. Then I know, you hear these

(42:49):
idiots out there that don't buy life insurance or anything,
you know, in your retirement years, but they don't know
what the hell they're talking about. They're idiots. That's the
only way I can describe. They're either idiots or they're done.
Can't figure out which one it is. But basically it's
in the same neighborhood. But you know, the big negative
for years used to be if you don't use it,

(43:10):
you lose it. Right, Well, that's not the case anymore
with these insurance policy that also incorporates long term care benefits.
So for blended families, I think that this is a
great solution. Okay, it's a great solution because if the
individual does not use the benefit for long term care,

(43:34):
there is life insurance proceeds that would be paid to
a name beneficiary, which is typically the spouse. Right, And
what does that do? It eliminates the ability for you
to worry about legacy because legacy can go to the
kids and the grandkids, and the life insurance is more
than adequate enough in order to pay the quality of

(43:54):
life that is going to be necessary for the surviving spouse. Right, yay,
yay to the insurance industry, they finally have a product
to effectively use for blended families, not only for wealth
replacement but also estate preservation. You get it. So to

(44:23):
effectively use these policies, you got to consider basically three strategies,
which I'm going to say quickly because I want to
get to my guests that's coming on in a very
short period of time. You want to equalize inheritances, right.
You want to ensure that there is an equitable distribution
of wealth paramount, don't want to get into a war

(44:47):
with the kids. Irrevocable life insurance trust islet for much
larger or complex estates. Okay, very nice. This strategy can
help you avoid the state taxes the medicaids spend down
to ensure that the proceeds are handled according to the

(45:10):
grant tour. The individual that is granting the money right
and it will bypass disputes. And then the one I
just talked about over and over and over again, you're
protecting the surviving spouse. I've done this. I can't tell

(45:30):
you how many times, folks. I had one couple. He
was a retired detective from New York City. He bought
a home in Saratoga Springs. He married this beautiful woman.
And to say that it was a hostile conversation is
an understatement. He walked out of there, steam was blown
out of his ears right because he thought I was

(45:53):
just sitting there trying to sell him a life insurance policy.
To make a long story short, Okaying to go through
all the mechanics and the nuts and bolts. What happened
was he was previously married. This is a second marriage.
He took us pension option, which was max right. There
was nothing for her should he pass away for her right,

(46:15):
So I said to him, I said, you understand that
she's in a very very bad spot if something happens
to you, she is not going to be able to
have quality of life because she's going to get your
social Security and a little bit of what he had
in irayh. Yeah, yeah, I'm not dying. All that stuff. Well,
within a short period of time, about two weeks later,

(46:37):
after we had this bumping of the heads, out of
the blue, he walks into the office and can I
speak to Dave. And this is when I was on
Broadway in Saratoga Springs in the Granite Palace building. So
I walked out of my office and I went into
the conference room. His name was I won't tell you
what his name was. You know, I've given it some thought,

(47:01):
and he says, I apologize. You know, I got pretty heated.
But that's the nature of the beast. He says, but
I agree with you. Let's do the policy in order
to protect my wife. And if she dies before me,
then I can basically cancel the policy.

Speaker 5 (47:17):
Yeah.

Speaker 2 (47:17):
Absolutely, she dies before you can cancel the policy. You're
not going to need it. We'll make long story short.
With any year he was dead, found out he had cancer.
In a very short period of time. It diminished his
life dramatically and he passed away. Now his wife even

(47:40):
still to this day thought in thanks I walked down
water because I basically talked to them about life insurance
and how it can be used in your retirement years
to facilitate some of the obstacles you will face. So
why am I saying this? Don't listen to people that

(48:03):
say life insurance shouldn't be bought during your retirement years
because the benefits. I'll bring Bob yanding on here any
day from Advisor's insurance broker. He's the most professional person
that I've ever known in the insurance industry. Educated, extremely informative,
and I'll tell tell you one thing. I'll take his

(48:25):
word over anybody's as far as how insurance benefits can
be utilized during your pre and post retirement years. It's
a comprehensive approach for retirement security. Okay, there's a lot
of different ways you can use them. We go through them.
Then it's up to you to make the choice. Then

(48:45):
you got to make the choice. So if it's long
term care, inheritance disputes legacy, taking care of a blended family,
a surviving spouse, it could be customized. If you want
to commit to talk to us, give us a buzz
at eighty eight, five eight zero, one nine one nine.
So again our golf outing T to T Tunnel to Towers,

(49:11):
we would love to have you participate. It's a great cause.
We have a gentleman coming on. He's a retired Fire
Department City New York battalion commander, a phenomenal person thirty
two years. He's going to commit and talk about some
of his past experiences, talk about T to T. Why
you want to participate, and we hope you do. It's

(49:33):
a golf outing September twenty fifth. And as I said,
the more people we can get, the more money we
can raise. You can come for dinner, you can make
a contribution, or you can come for the whole festivities,
golf and the outing and great prizes, great gifts, and
again we would love to have you participate. So if

(49:55):
you want to participate, it's pretty easy. You call my
main guide, Jimmy Corkoran in my offic us and Jimmy
will set you up. Thursday September twenty fifth, twenty and
twenty five fair Ways of Half Moon telling me you
want to come for the fifteenth can't believe it, fifteenth
Annual Swing for a Cure. We started this one when

(50:15):
my brother in law, Steve died of cancer, and we
do a small one with the family. We raised forty
three hundred dollars a couple of weeks ago for the
American Cancer Society. And again this will be for the
Tunnel to Towers and the American Cancer Society. Registrations at
a fifteen shotguns started at nine to fifteen. It will
be a phenomenal day, I'll guarantee it. And as I said,

(50:40):
you couldn't come to a greater event. Greater people, a
lot of a lot of great stories, and you get
to meet Colton. Colton's my hero. He's my cousin's grandson.
And Colton's about five six years old now battled cancer,

(51:01):
lost a lung, lost a rib. And when you walk
into the American Cancer Society in Albany, there's a big
picture of my hero Colton, and it shows him as
being a survivor survivor. So again, if you want to
participate eighty eight eight five eight zero one nine nine

(51:23):
eight eight eight five eight zero one nine nine Swing
for a Cure T two t the American Cancer Society
and we look forward to being there. And as I said,
it's just a it's a phenomenal day. So that was
a quick hour. We will be back with Jack Ohme
from Tunnel to Towers. I'm Dave Kopek. This is the

(51:46):
Retirement Planning Show.

Speaker 1 (52:02):
The opinions, viewpoints, and promise is made during the following
program are not those of wgy it's staff management or
parent company. iHeartMedia.

Speaker 2 (52:19):
All right, we are back. I'm Dave Kopek. This is
a retirement planning show. We're glad you're with us. And
as I've said in the first hour, we have a
special guest that I want to introduce. He is a
retired Fire Department of the City of New York battalion commander.
His name is Jack Ohm and I apologize Jack if
I haven't pronounced that right. And he's going to talk

(52:42):
to us a little bit about t to Tea. It
couldn't be a better week for you to talk about
it after what has transpired nine to eleven, you know,
this past week and all the memorials. So good morning
to you, Jack. Are you there?

Speaker 5 (52:54):
Good morning, Dave, Yes, I am. And you did very
good with my last name. Omo likes to pronounce an
oh in an e together, so you've been great.

Speaker 2 (53:03):
Well you can imagine what my last name must come out,
must come out as kop YC. People just kind of
look at it and scratched their head. My brother in
law first time he saw it, he said at a vowel, please, yes, Jack, Yeah,
let's let's get into you know where. This is the
first time that we've been with you guys. We've had

(53:25):
goalf outings. Now this is our fifteenth year, and we've
always kind of focused in on the American cancer side.
Over the last few years we've added some other organizations
and of course this year we are proud, very proud.
I have to go through the screening process in order
to basically have an event with Tunnel to Towers T
to T. And can you just tell us a little

(53:48):
bit about your background and then how you got involved
with T two T.

Speaker 5 (53:53):
Sure, well, we appreciate you folks joining our mission to
help first respond. There's an our military personnel, so thank
you for that. So my background, you know, I was
a fireman since I was twenty two years old, and
that was my dream always when I was a little boy.
Obviously a lot of little boys dream of being a

(54:15):
fireman and police officers, and I got to live my dream.
I got the best job in the world to become
a New York City fireman, and I loved every minute
of it, even through even through the disasted of nine
to eleven. You know, I always looked up to those
guys that were saving people's lives. So, you know, like

(54:35):
I said, I got to live my dream. On nine
to eleven. I was an North Duty battalion chief. My
battalion was located in a Red Hook section of Brooklyn,
right by the Battery Tunnel, which is a tunnel that
connects Book went to Manhattan. All my units, well my
eight units, responded to the World Trade Center to the
South Tower. Because the North Tower got hit first, all

(54:59):
the Manhattan units went to the North Tower. So when
the South Tower got hit by the second plane, Brooklyn
units had to respond, so we went. We all my
units went to the South Tower. Unfortunately, three out of
eight units never came back home. I lost twenty my
men that morning. I also lost people I worked with

(55:20):
where I was a fireman. I was a fireman in the
Midtown Manhattan in the early eighties. I was a lieutenant
in Sunset Park and Brooklyn in late eighties early nineties.
Those guys unfortunately died also. I was a captain in
staten Allen, so those guys didn't get there in time
to die, thank god. But I lost a lot of

(55:42):
good friends and co workers that day, said day, but
we got through, which I helped from the whole country.
You know, some of my best memories of nine to
eleven were seeing all the people come to help us
after the attacks. So those nine months that we had
to search and rescue, you know, on a World Trade

(56:03):
Center site, on a pile, what we called the pile,
and later on into the pit we had to big
out the eighth story basements. So you know, you see
good in bed throughout your life. And then you know,
the seller Stephen Sulla and off duty in New York
City fire. I mean I didn't even know the story
until later on, but he was off duty, was on
his way home to play golf in our hometown kind

(56:25):
of Staaten now in New York, and Stephen did something remarkable.
He heard about the first plane into the tower, turned
his car right around and told his wife, he said, listen, Sally,
tell my brothers. I'm going to meet up with him
later on.

Speaker 2 (56:39):
I have to go.

Speaker 5 (56:40):
This is you know, it's going to be big, and
Stephen raced back to his Brooklyn based firehouse. Stephen was
a member of Squad Company number one, which is an
elite rescue unit in New York City Fire Department. Squad
Company number one was already on the scene of the
World Trade Center attacks. So Stephen went into his firehouse,
got o his gear through his giving to the back
of his car, and drove his car to the Brooklyn

(57:02):
Battery Tunnel. And as I said before, that's a tunnel
that connects Brooklyn to Manhattan. All the bridges and tunnels
were closed that morning for security reasons. So Stephen left
his car right on a highway, threw sixty pounds of
firefighting gear on his back, and ran through the Brooklyn
Battery Tunnel. Now the tunnel itself, just a tunnel, is

(57:23):
one point seven miles long. They had to come out
of the tunnel. Oh yeah, unbelievable. Out of the tunnel,
ran up West Street, and he joined in the rescue
effort in the South Tower that morning. Unfortunately, Stephen died
saving lives along with three hundred and forty two other
New York City firefighters, thirty seven port to fiery police

(57:44):
officers and twenty three New York City police officers. Stephen
was only thirty four years old, married to a beautiful wife, Sally,
and the father of five small kids. Oh my god, Yeah,
it's m glad. I get the goosebumps every time I
tell this story. When I tell the story, I prefaced
this story with telling everybody I still get inspired by this.

(58:06):
And it's twenty four years ago, so you know, it's
just an inspirational story. And Stephen Wooing himself was a
miracle child. He was the baby of seven. He was
born fourteen years after his closest sibling. It was Frank
viler Election. Yeah, Frank Philler. It was as close as
a brother a sibling. And Frank is as you know,

(58:26):
as our chairman and CEO. And you know, his parents
were quite old when they had him, I mean, you know,
and so Stephen's dad died when Stephen was eight and
his mom died when Stephen was ten, So he was
an orphan at ten years old. His three year older
brothers and his three older sisters actually raised him since
he was ten. So I always say, not only did

(58:47):
they lose a brother that day, they felt like they
lost a son because when you're raising, you know, a
kid at ten years old that becomes your son. Really,
it's just how life is. You know, they did a
great job with raising him. Steven had a dream of
being a fireman, and he fulfilled that dream. And I'm
sure if you ever would ask and of those two

(59:08):
hundred and forty three New York City fireman, we do
it all again, because that's what we do. But they
started the foundation to honor and remember the twenty nine
hundred and seventy seven Americans that were murdered that morning.
And you know, we've been doing good things the last
twenty four years to honor and remember those twenty nine

(59:29):
hundred and seventy seven Americans and the more than seven
thousand military men and women that have sacrificed their lives
since nine to eleven to keep us all here in
this great country of ours, free and safe from the
next terrorism attack that you know, unfortunately I think is
going to happen sooner or later.

Speaker 2 (59:50):
Yeah, well, you know, one of the things, like you know,
I used to work for Morgan Stanley, so I was
in Tower one on Tower two all the time, and
then of course and then I stayed a the vista
and you know I say this all the time, and
I mean it from the bottom of my heart. By
the grace of God, I wasn't there that day. And
you know, the thing is is that we used to
have a lot of meetings there. We used to go

(01:00:11):
to the windows. Sometimes. When I hear those recordings Frank
that talk about the or Jack, I sorry, I'm talking
thinking about your boss there, Frank. When I think hear
those recordings Jack, those people that were up on the
windows of the world and they knew they weren't go
it's it tears your heart apart. I mean it just
it's just unbelievable that this actually happened to us.

Speaker 5 (01:00:33):
Yes, it's uh. You know, I have just a quick
story personal note. You know, I was on a pile.
I got in. I was, like I said, it was
at due to battime chief. I got to a site
around eleven o'clock eleven thirty or so. The second tower
already came down, but we simply just climbed up on
to the top of the pile and started digging and

(01:00:54):
with the hands and hand tools until the heavy machinery
could come. But about twelve hours into my day now
eleven twelve, one o'clock at night, I finally got in
contact with my wife, and you know, she asked me,
how's it going. I said, you know, it's the worst day,
the worst day of our lives. Yeah, and she goes, well,

(01:01:16):
I got some more bad news. I said, well, you
can't have any more bad news. I see all the
bad news right in front of me. And she said, well,
Tommy Sellek, a high school buddy of mine. You know,
we had a core group of four guys that we
were best friends with. He died, and yeah, he was
up in the windows of the World. I said, Tommy

(01:01:36):
didn't work. He didn't work at the World Trade Center. No,
he does. He didn't work at the World He had
a meeting. He worked in Midtown. I knew where he worked.

Speaker 2 (01:01:43):
Jack, Jack, I got to take a hard break up.
You're right back and we'll finish this story.

Speaker 3 (01:01:47):
Okay, Yep, Time flies and retirement will be here before
you know it.

Speaker 4 (01:01:53):
Are you ready?

Speaker 3 (01:01:54):
Don't wait until it's two eight to get your plan
in place. Dave Kopek and the team at Retirement Planning
Group are helping people just like you take control of
their financial future right now. Call eight eight eight five
eight zero nineteen nineteen today or go to rpgretire dot
com to schedule your consultation. Retirement won't wait. Why should you.

Speaker 2 (01:02:17):
You've spent a lifetime saving for retirement. Now it's time
to make that money work for you. Here's the secret
most people miss. You have to create your own retirement
income plant. Social Security is not enough, tensions are rare.
You need a strategy that turns savings into monthly income
that will last a lifetime. At the Retirement Planning Group,
we build customized income distribution poins so you can retire

(01:02:38):
with confidence, retire smart, live well. Call eight eight eight
five eight zero nine one nine for your complementary consultation.

Speaker 4 (01:02:47):
Born on America's darkest day of nine to eleven, the
Tunnel to Towers Foundation has been helping America's heroes ever since.
People who put their lives on the line for our
country and our communities need your help now more than
have join Tunnel to Towers on its mission to do
good in their honor. Never forget nine to eleven or
the sacrifices of this country's heroes and their families. Show

(01:03:09):
your support. Donate eleven dollars a month at t two
t dot org. That's t the number two T dot org.

Speaker 2 (01:03:16):
We are living through the greatest wealth transfer in the
history of mankind. Trillions of dollars of wealth will change
hands from one generation to the next. Your money for
our beloved children and grandchildren. Are you ready? Your future
is written by chance, it's written by action. Now's the
time to build your plan, protect your assets, and position
yourself for the opportunity. Don't wait, take action. If future

(01:03:39):
favors those that are prepared, call eighty eight five eight
zero one nine one nine. That's eighty eight five eights
zero one nine one nine. Portions of the following program
will be recorded. All right, we are back with Jack Ome,
retired Battalion Commander FDNY, and I want to get right
back into the conversation. Jack, you want to finish that

(01:04:01):
about your friend up in the Windows of the World.

Speaker 5 (01:04:03):
Sure. Yeah. So, like I were saying, you know, my
wife called me. She said I have more bad news.
I said, that's impossible, and she said, Tommy Selick never
came home. I said, no, he doesn't work. He works
in Midtown. He had a morning meeting that morning up
at the Windows of the World. Like we were just
talking about yea and came home and we never found

(01:04:24):
his body. So, you know, it's just just a terrible day, terrible,
you know. And I always say, you know, these people
that want to kill us, they attacked the civilian target.
The World Trade Center was all civilians. There was no
military personnel there. It's a civilian target where people were
just going to work to make a living, to take

(01:04:47):
care of their families. And we can never forget that.
And that's what our foundation is all about, never forgetting
and helping our true American heroes, our military men and women,
and our first responders.

Speaker 2 (01:04:58):
Well, it's an honor not by my organization to participate,
because there's one thing the mission. Your mission is to
do good, do good, And the thing is is that, Uh,
how do they figure out, Jack, who the money goes to?
Do they have to submit? Do they you guys go

(01:05:18):
and they find the people? Or do these people submit
information that you know, we need help or assistance? How
does somebody actually get help from T to T.

Speaker 5 (01:05:28):
Well they can they can go on our website, the
letter T the number two, the letter T dot org
T two T dot org. They could call us up.
You know, we have a whole staff we have a
fall and first responder staff, we have a smart home program,
and that's just what it was. The smart home program
started in about two thousand and nine. Brendan Morocco was

(01:05:50):
the first surviving quadruple amputee. He lost both arms on
both legs and he was a fellow from Staten Allen
hometown of St. Now And where the foundation is located.
And we went down to Walk to Read to visit
him and Frank silly I said we have to help him.
We're going to build a smart home for him so
he can live an independent life with his catastrophic injuries.

(01:06:11):
So we galvanized, Frank galvanized the State noun community. We
raised over eight hundred thousand dollars just in our own
hometown of State Out and we built him out for
a smart home. And then we found out by going
to Walk to Reed there was three other quadruple amputees,
so we built them smart homes. So with our connections
with Walter Reed Hospital and now people know us, they

(01:06:32):
can reach out to us if they're in need of
a smart home, if they're catastrophically injured military or first
responders that they need a smart home to live an
independent life. We will build them a smart home. We're
doing sixty smart homes this year. In twenty twenty five,
next year we're building one hundred smart homes.

Speaker 2 (01:06:50):
God blessed, God bless yes.

Speaker 5 (01:06:52):
And our former first responder program. We have myself. A
lot of the finemen that die in a lot of
duty come through my desk and then I push it
up to the program managers that run those programs and
we vet them. We make sure that they died in
a line of duty, they have a young family, you know,

(01:07:15):
everything's in order, and then we go and pay off
the mortgage. If we don't have enough money to pay
off the mortgage at a certain time, we'll take over
the mortgage payments so they are free and clear of
that mortgage themselves until we raise enough money to pay
off the mortgages.

Speaker 2 (01:07:31):
You know, one of the things that I when I
see these commercials that you guys run on the TV,
it also shows us that you're building homes for individuals
or housing for individuals that are in trouble, that are
vets that have probably some health issues or some personal issues,
which I think is God's work.

Speaker 5 (01:07:52):
Also, Yes, I mean that's where you're speaking about Dave
is a homeless veteran program.

Speaker 2 (01:07:58):
Right.

Speaker 5 (01:07:58):
We started that in Genanuary of twenty twenty two. You know,
back then it was forty thousand, at least forty thousand
homeless veterans in our country. And those words should never
be spoken in the same sentence, right, homeless veteran should
never those two words should never be together, because that's
a disgrace. You know, I love my country, but at

(01:08:20):
times I'm ashamed and embarrassed on my government for letting
that happen. But our foundation and with Frank Silla's leadership,
has made a promise to house all those guys. What
we're doing is we're renovating hotels all around this great
country of ours. On the first floor, we're putting in
all the supportive services that these guys need and deserve.

(01:08:41):
Mental health counseling, drug addiction counseling, alcohol abuse counseling, job training,
job placement, anything and everything they need they're going to
have on a twenty four hour, seven day basis in
the first floor of that hotel. On the second and
third floors, we're renovating the hotel rooms and making them
apartment efficiencies. They're going to have a sitting area, a

(01:09:03):
kitchen area, and a sleeping area. Our goal, Dave, is
to get these guys to become members of society once
again like they were before. We asked them to fight
our battles. Now they're coming home fighting their own battles.
We want them to get it back into society. And
I'm happy to say as to play, over ten thousand

(01:09:25):
homeless veterans are receiving our services. So that's a great
in three short years.

Speaker 2 (01:09:32):
Wow, whose idea was that anyway? Was that something that
you guys identified or did somebody say, listen, we got
a problem here, you guys might want to participate. I mean,
who's that?

Speaker 5 (01:09:42):
I mean, we always knew there was a problem with
our homeless veterans, but we knew we didn't have enough
money to tackle that issue. That issue that programs, I
think it was. You know, when we first started, we
thought it was going to be a four to five
billion dollar program, that's what it be. Billion dollar program.

(01:10:03):
I think it's turning out to be a nine or
ten billion dollar program now only because it's a huge
undertaking and really the government should be doing this. And
I'm hopeful that President Trump will steer some money towards
our foundation because he knows the good work that we're doing.
He knows about us, and he appreciates us. He had

(01:10:24):
Frank Siller at the White House in his first term,
so I think we're on his radarf and it just
has to be a matter of timing. But we're doing
great fundraising. We could always use more money. That's why
we ask all great Americans to donate eleven dollars a month.
And you know, but we need the money. So it's
a simple fact of life.

Speaker 2 (01:10:45):
Yeah. One of the things that I consistent to see
and hear over and over again is the some of
the health benefits might be dissipating or going away for
some of these rescuers. Is that you know anything about
that at all? I mean, you know that's well.

Speaker 5 (01:11:00):
Yeah, So I'm enrolled in the World Trade Center Health Program.
I have Barriship mcgay or my lawyers, and I encourage
anybody that was done there at Disciple O. Canal Street
to enroll in the World Trade Center program. And what
they and the Fought Department, I have to tell you,
the New York City Faught Department a great, great organization.

(01:11:24):
They have us do a medical every year and they
picked up a few minor things on my you know,
in my personal medical history. And I'm getting treated, I'm
getting free, free office visits, i get free drugs, anything
I need that's related to the World Trade Center. So yes,
you hear a lot of talk about them cutting programs,

(01:11:46):
which they probably did. But every year. Again, you know
how politics works, right, they take something away, people fight
about it, and they put it back in, so that
that's what's gonna probably happen again, I'm sure because they
happened before. They've cut the program down and then we
saw the money after people making up more and they

(01:12:07):
you know, politics is of the business right as.

Speaker 2 (01:12:09):
We know absolutely. So where are you guys headquartered out
of you out of the metro New York area? Is
that where you guys actually have We're in York.

Speaker 5 (01:12:16):
We're in New York City. Staten Allen is one of
New York City what they call five boroughs or you know,
other people doesn't know, they don't know what a burrough is,
but it it's like a county. So we're one of
the five boroughs of New York City. Statnallend. We're right
here and that's where the Silver family lived and that's
where Steven lived, and that's where we'll be.

Speaker 2 (01:12:36):
Okay. Well, as I said, we're having the events September
twenty fifth. We are extremely excited in order to participate.
Is there any kind of a last because we're going
to have to break here in a couple of minutes.
Is there any last message that you would like to say?
Jack to our listeners, because we go all over the
United States with this message run over eight hundred station

(01:12:58):
on iHeartRadio. Do you want to summarize?

Speaker 5 (01:13:02):
Sure, so listen, folks. We ask all good Americans to
donate to our foundation, Tunnel to Towers. You can look
us up on the website T the letter T the
number two of the letter T dot org. We ask
for eleven dollars to help us fulfill our mission to
take care of our military men and women that come

(01:13:25):
home catastrophically injured or they don't come home. We pay
off gold Star mortgages for those people that made the
ultimate sacrifice having come home from war, so we take
care of the families that they leave behind. We also
take care of our fall and first responders. Our police
officers are firefighters, our ems workers. We pay off their mortgages.
God forbid, they die in the line of duty. And

(01:13:47):
we just started our Homeless Veteran program where we're going
to house more than forty thousand homeless veterans, get them
off the streets, rehabilitate them, and get them back. And
if you know you're living in this great country, you
can you can surely afford eleven dollars to donate to
our foundations.

Speaker 2 (01:14:04):
Exactly. Especially that's a cup of coffee at some of
these coffee shops. Now, eleven dollars for eleven dollars is
not much. Hey, listen, Jack, it has been an honor.
You are a true hero. And I'll tell you what.
I am so excited. You know, one of my greatest
regrets in life is I did not serve my country.

(01:14:25):
So this is something that we're going to be involved
in for many years to come. And God bless you
and all the organizations that you're affiliated with through T
two T.

Speaker 5 (01:14:35):
Thank you, Dave. I appreciate it. And good luck where
you got fading on the twenty fifth.

Speaker 2 (01:14:39):
All right, God bless you, sir. Okay, that was Jack Owen,
retired battalion commander. If that doesn't move you, nothing will folks.
So I want to give a plug again. Okay, I'm
going to be a broken record about this. You're talking
about God's work. You're talking about people that are out there.
They're basically facilitating free mortgages. Not free. We're gonna pay

(01:15:01):
off the mortgage for someone that gave the ultimate sacrifice.
Where it has debilitating you know, injuries, individuals that might
have PTSD that are in these homes, drug addiction, alcoholism,
whatever may be. So again, if you can't come, you
can still make a contribution. If you can come, it

(01:15:22):
will be a phenomenal day. I'll guarantee you that you're
going to have a phenomenal day. Everybody's gonna walk away
with some type of a gift. It's our fifteenth annual
Swing for a Cure T two T is part of
it this year with the American Cancer Society. Thursday, September
twenty fifth gonna be held at the fairways of Half
Moon Golf Course. All you have to do is to

(01:15:43):
pick up the telephone and call my main man, Jimmy Corcoran,
who handles all of this. Five one eight five eight
zero one nine nine five one eight five eight zero
one nine one nine If you can't come, you can
still make a contribution. There's a lot of different ways

(01:16:03):
you can satisfy your rm D not have a tax consequence.
We can go through all the different ways that you
can make a contribution. Our goal is twenty five thousand dollars.
That's how much we would like to raise this year.
So again, please, as I said, if you listen to
that presentation by Jack, you know this is a phenomenal cause.

(01:16:24):
Five eight five eight zero nine. Swing for a Cure.
I'm Dave Copec.

Speaker 6 (01:16:31):
This is the Retirement Planning Show.

Speaker 2 (01:16:53):
All right, we are back. I'm Dave Copek. This is
the Retirement Planning Show. This is something that's very close
to me for a lot of reasons. The first is,
as you heard Jack say, by the grace of God,

(01:17:13):
me had a friend that was having breakfast at the
Windows of the World. We had meetings up there all
the time. We had meetings inside Tower one, Tower two,
stayed at the Vista Hotel. So you know, for whatever reason,
you know, certain people get the ticket a little bit
earlier than others as far as your time to come

(01:17:36):
to the gates of Heaven. But it was just a
horrific day and if you remember that day. I remember,
you mean nine to eleven this past week. It was
almost identical the type of day that we had in
two thousand and one. So for a lot of young
people that don't even remember it, to me, when I

(01:17:58):
remember it, it gives me indigestion, makes me extremely upset.
And if you know, I did not serve my country,
and it bothers me that I did not serve my country,
I would have liked to have done it. I'm too
old to do it now, but if I had to
go back to do it again. You know, when I
was at Siena College end of my sophomore year, I

(01:18:19):
had the chance to do ROTC and I was pretty close.
I went down to the Quantcet Hut. Had a couple
of these guys that are listening that are Siana graduate
will know there's be a quantcet Hut right there on campus.
You go down have a chat with him. But I
didn't do it. I didn't pull the trigger. And there's
a lot of times I wish I did pull the trigger.
You know. There's a lot of times I go to
the Legion with my wife and I'm jealous of these guys.

(01:18:41):
There's a camaraderie there that they serve their country and
they did good. They did good, And I would say
that my contribution for not the rest of my life,
but for as long as I can do it is
to have these type of events that I know that
the money that we're sending to them is well spent.

(01:19:04):
And you know, cancer is something that I'm hoping in
my lifetime I can see go away. And I think
with AI and the technology that is, I think that's
something that we might see. They say that unbelievable things
are going to happen with AI as far as healthcare,
they're going to be able to solve some of these
diseases that they've been fighting. As you know, Colton, my

(01:19:25):
cousin's grandson, is just an unbelievable kid. He was over
at our house Julie babysat him and his brother before
they went back to school, and to look at him,
it's just amazing that this little boy had the wherewithal
and the courage and the strength to go through what
he went through when he had to go to Boston
for all of his you know events that he had

(01:19:49):
to go through surgery and also you know when he
had to do the chemo and radiation. So you know,
sometimes we got to sit back and say thank you
Lord for giving us this opportunity, and the opportunity for
me is to give back, and to give back is
swing for a cure. So again, it's going to be
on the fifteenth, it's the fifteenth one. It's not going

(01:20:12):
to be on the fifteenth. It's going to be September
twenty fifth at Fairways a half Moon, And as I said,
registrations at eight fifteen. Shotguns start at mine fifteen. There'll
be contests, There'll be lots of prizes and giveaways. They'll
be first and second place teams. There'll be a putting contest,
longest drive, closest to the pin, Mulligans are available, of course,

(01:20:33):
raffle prizes, and as I said, you know, it's a great,
great day. Last year we had to push it off
a couple of days because of the rain. Hopefully we're
going to have a sunny, beautiful day. We only had
one day in all the fifteen years that we had
to basically shut it down and push it to another day.
But as of right now, it's going to be September

(01:20:53):
twenty fifth, Fairways a Half Moon and there's a lot
of different ways which I'm going to go over that
you can basically make contributions, so you can make a
non taxable A lot of people don't realize this. You
can make a non taxable payment from your IRA to
a charity. Did you know that You've got to be

(01:21:15):
seventy and a half or older. That's the old rm
D age, but they kept that the same. To make
a qualified what they call a qualified charitable distribution, doesn't
have to be all of it, can be a portion
of it as far as your MD. To qualify, the
funds must be transferred directly from your IRA trustee, which

(01:21:37):
would be fidelity with us to the charity, which we
have the paperwork. We know how to do it, We've
been doing it before. We do it with a lot
of our clients. And this distribution, believe it or not, folks,
because you're giving it to a qualified charitable distribution is
excluded from your taxable income and may also count towards
your RMD right to home run. So some of the

(01:22:02):
key requirements are and I'm going to go through these
because there's a lot of people last year that listened
to me that did this right. You've got to be
seven and a half or older. The payment must be
sent directly from your IRA to the qualified charitable organization.
The excluded from your taxable income. It can satisfy your

(01:22:27):
required minimum distribution for the year, helping you avoid penalties.
And I know there's a lot of people out there
that don't need their arm date. But as I said,
it doesn't have to be all of it. It can
be a portion of it, right, so no itemization needed.
The strategy is not required you to itemize your deductions,

(01:22:49):
making it beneficials for people that don't automize their taxes.
So you can call my office and say, hey, listen,
Dave Area is with you or our IRA is with
well you know x y Z. But we want to
get in touch with you because we want to make
an IRA trustee to the to the charity. And as

(01:23:16):
I said, it has to be a direct transfer transfer.
Can't talk transfer transfer. And there is a yearly limit
on this, okay, So for the year two thousand and
twenty five, this would be a windfall folks. If somebody
did this or if we got anywhere near this. It's

(01:23:38):
one hundred and five thousand dollars pittry. Pretty staggering, and
you still need to get a written acknowledgment from the
charity for your donation. So there's a lot of different
ways that we can do this, right, you know, after
what we just went through this week and we saw

(01:23:59):
this horrific Weekum, it kind of puts you back in
your seat. You just say, hey, how can I do
some good? How can I do some good for my
fellow man, because, boy, I'll tell you what, there's a
lot of hatred out there. There's a lot of people
that for whatever reason, I worry that this younger generation,

(01:24:23):
you know, if you think about I was watching the
news this morning when I got up, and they were
talking about the age of these individuals that are committing
these horrific crimes. This gentleman, I believe that shot Charlie
Kurt was like twenty two years old. The kid in
Butler that tried to kill or assassinate the president was

(01:24:46):
twenty and I think the gentleman that did the stabbing
down in Carolinas it was in his twenties also. So
I don't know if it's because of the generation sitting
on the box playing these games where they kill one
another all day long, but whatever it is. There is

(01:25:06):
a way for us as a society I think to
do some good, and to do some good is basically
to take some of these assets that we've accumulated in
our lifetime. Because there's a lot of us folks will
never spend all the money that we've accumulated. You know that,
And I know that this is a question where is
it going to go? So if I can give you
a phenomenal charity that it can go to and it's

(01:25:29):
going to do God's work, it's going to do God's work,
and you're going to be able to basically put a
smile on your face knowing that you're doing something good
and it's a non taxable event, how do you lose?
It's a win win situation. So again, if you want
to participate in any of this, you know we take

(01:25:49):
the time out of our schedule here in order to
facilitate this because cancer has ravaged my wife's family and
my family horrific disease. And you know, as I said,
if you listen to Jack and what his message was
from the Tunnel to Towers Foundation, you can tell just

(01:26:11):
by his conversation how horrific that day was down Lower
Manhattan I know it. You know it as New Yorkers,
we know it, as a nation, we know it. So
if there's a way for us to facilitate help out
these individuals that have given the ultimate sacrifice and also
having unbelievable injuries. You know, when I see some of

(01:26:33):
these commercials on TV, I'm just flabbergasted with the strength
and courage that these guys. So if you've been in
the military, if you're a police officer, an empt, someone
that wears the uniform, please help me this year to
make this one of the greatest outings that we've ever had,
because it means a lot to the people that are

(01:26:55):
going to be recipients of the money, and it means
a lot to me personally. Personally. You know, you can
have all the money in the world, but if you
don't have your health and you don't have your loved
one sitting next to you, what the hell good is it? Right?
So again, call Jim and say I heard Dave on
this weekend. I'm not going to bang the rump too

(01:27:16):
much more about this because I've probably talked about it enough.
You can call Jim Corkoran in my office. Jim handles
this and he's done a phenomenal job, I think, but
Jim's been doing it all fifteen years for us. And
you can call five one eight five eight to zero
one nine nine. That's our telephone number toll free. It's
eight eight eight five eight zero one nine one nine

(01:27:38):
if you're outside the five one eight area code. As
I said, this show goes to well over eight hundred
stations throughout the country through iHeartRadio, through the podcast, and
if we can get a contribution, it would be greatly appreciated.
And again, if you want to check us out on
the web, you can contact us through the web. Two

(01:28:00):
and it's just rpgretire dot com. It's the initials of
the retirement Planning Group rpgretire dot com. And as I said,
we're gonna have contests, prizes, win a car, when hot tub,
they'll be first and second place teams putting contests, longest

(01:28:24):
drive for both male and females, will be phenomenal prizes
for all of these closest to the pin male and female.
And of course my favorite thing to purchase out of
golf outing but you only get a pack of four
for the foursome Mulligans. Mulligans mulligans are available. All right,

(01:28:45):
God bless you all. We'll be back for our last segment.
I'm Dave Kopek. This is the Retirement Planning Show. I'll
go back after this quick message.

Speaker 3 (01:29:11):
Planning for retirement doesn't have to be overwhelming, especially when
you have the right team by your side. At Retirement
Planning Group, Dave Kopek and his team are here to
help you build a strategy tailored to your goals and lifestyle.
Whether you're nearing retirement or just getting started, now's the
time to take control of your future. Schedule your free
consultation today at rpgretire dot com or call eight eight

(01:29:35):
eight five eight zero nineteen nineteen Retirement Planning Group Retire
with Confidence.

Speaker 2 (01:29:42):
Retirement isn't a Sunday thing. It's a now thing. Whether
you're just starting out or nearing the finish line, the
best time to build your retirement plan is today. Don't
wait for the right moment. Let's create a plan that
works for you. Secure your future and the freedom that
comes with it. Call my office today and take action.

(01:30:02):
Eighty eight eight five eight zero one nine one nine.
That's eight eight eight five eight zero one nine one
nine and your future will thank you.

Speaker 4 (01:30:11):
When US Navy Chief Petty Officer Michael Thomas Earnst was
killed in the line of duty, Tunnel to Towers provided
his wife and children with a mortgage free home. Since
Tunnel to Towers was founded in the aftermath of nine
to eleven, the Ernst family is one of many the
foundation has helped, but many more heroes and their families
are still in need. Together, we can say thank you

(01:30:31):
by showing them our support. Now, donate eleven dollars a
month to Tunnel to Towers at T two t dot org.
That's t the number two T dot org.

Speaker 2 (01:30:41):
We are living through the greatest wealth transfer in the
history of mankind. Trillions of dollars of wealth will change
hands from one generation to the next. Your money to
our beloved children and grandchildren. Are you ready? Your future
is written by chance, it's written by action. Now's the
time to build your plan, protect your assets, and position
yourself for the opportunity. Don't wake take action. If future

(01:31:03):
favors those that are prepared, call eighty eight five eight
zero one nine one nine. That's eighty eight five eats
all right, I am back. I'm Dave Kopek. Hopefully you're

(01:31:27):
going to enjoy this weekend. Looks like the weather's going
to be nice in upstate New York. If you have
any comments, I'm live. You have any questions at all,
I'll take a couple of phone calls if you want
to call in. One eight hundred talk to WGY. That's
one eight hundred eighty two five fifty nine forty nine.
But more information or more particulars about the event that

(01:31:50):
we're having one eight hundred talk WGY. That's one eight
hundred eight two five fifty nine forty five. Excuse me,
but I had a buddy of mine that text me.
He says Davy numbers are wrong, and he was right.
I gave last year's numbers, so I'll go through it again.

(01:32:11):
Charitable contributions from IRA is. A charitable contribution allows you
to basically take money goes directly from your IRA to
a qualified charity as a non textable event. Okay, age
event I was right is seventy and a half or
older at the time of the distribution direct transfer. The

(01:32:31):
funds must be transferred directly from the IRA to the
qualified charity. I had that right, but this is where
annual eleven for twenty twenty five. The individual can transfer
N one hundred and five one hundred and eight thousand dollars,
and a husband and wife fair jointly you can do
two hundred and sixteen thousand dollars, so you can more

(01:32:52):
than satisfy your RMD and you can basically throw some
eligible IRA contributions can made from traditional irays, rollover irays,
step I rays, simple irays, inherited irays, wroth irays are
generally not eligible. Employees sponsored to retiring plans like four
O one k's are not eligible unless rolled into what

(01:33:15):
an IRA into an IRA. So if you want some
help with this, if you're trying to figure out a
way to make a contribution, if you'd like to do
it with what I call the Achilles Heel money, the
complicated money, you can do it, but we have to
walk you through it. There's forms that have to be
filled out. It doesn't have to be a rush. Right.

(01:33:37):
Last year when we did it, we had all the
paperwork filled out. It took us two to three weeks
before after we finished the event in order to get
our final total. And that's the other thing too, is
when we get a final number from the event, all
donations at the conclusion of the golf tournament, we'll be

(01:33:58):
presenting checks or a check from the Retirement Planning Group
to the American Cancer Society and Tunnel to Towers on
behalf of your generous donations. So enough set about that.
I'll talk about it again next weekend. Briefly, I wanted

(01:34:20):
to talk about it in detail this weekend because of
that phenomenal hero Jack that called in from T to T.
And as always, i'll thank you in advance. Thank you
for supporting us. It's a worthy cause and I think
you'll do well by participating. You'll be doing God's work.
And then finally, I got some good news for you. Okay,

(01:34:43):
I don't know if it's going to make you dance
in the street. You're going to get a cola for
two thousand and twenty six, all right, It's not overwhelming,
but you're going to get an increase. Social Security benefits
are expected to increase two point eight percent next year,
right during you know, this inflationary period that we have.

(01:35:06):
So the two point eight cost of living adjustment may
not offset higher costs for groceries and healthcare, but it's
still enough, right, It's a little bit of a boost
Medicare Part B premiums are expected to rise. Also, we
don't know what that is yet. So bottom line is
is that you are getting a cola in twenty twenty six,

(01:35:30):
and they'll announce it in October. As far as what
that benefit will be COLA for the coming year will
be announced in October when the third quarter inflation data
is complete. Okay. And then finally to say to our
either new listeners or individuals that have been sitting on

(01:35:53):
the sidelines, you know, we've been extremely busy this year.
We have a Syracuse office now I do a live
show out in Syracuse, and we have become extremely busy
out there, and I just want to thank everyone. You know,
we have a lot of great clients. What I say
over and over again, we don't have all the answers.

(01:36:13):
I be guaranteed that we don't have all the answers,
but we do believe that we have strategic partners that
we can go to that can facilitate what you're looking for.
The mothership, fidelity, all the attorneys and CPAs that we
work for or work with, shouldn't say work for, work with,

(01:36:34):
and then of course, you know, trying to sit down
and work out a plan that makes not only sense
for you while you're living, but this is huge when
we talk about all the time eighty four to eighty
five trillion dollars of wealth transfer that's going to happen
over the next twenty to thirty years, you really need
to put your arms around the folks because it's happening

(01:36:54):
as we speak. We're starting to see this. We're having
clients that are passing away that are transferred their wealth
to their children and their grandchildren. There's a lot of
different ways in how to do it. It's just a
question do you want to plan or you just want
to fly by the seat of your pants. I'm in
the camp that I think you're better off to have
a plan that just do it by fragmentation. That's the

(01:37:15):
other thing, fragmentation. Fragmentation doesn't work. I've seen too many
situations where people come in it's a nine to one one,
especially with Lisa when she's trying to basically put her
arms around with all the assets where they are, the
credit union, the local bank, the discount brokerage firm, the

(01:37:36):
you know financial advisor that you're working with, go through
the whole laundry list, the iray that you forgot about.
You know, that is really a nightmare. It's you know,
it's difficult enough to deal with death, in losing a
loved one. That's why we say over and over again,
let's button it up. You know, if we're doing our

(01:37:57):
job and we're working with your attorney, you should have
zero dollars go through probate, zero my beneficiary forms, TODs, pods,
whatever it may be in order for you to facilitate,
you know, the transfer of your wealth that's not burdened
by taxation and also probate. Is that going to be

(01:38:21):
a very expensive proposition, So we offer a complementary consultation
at any of our offices. You know, we're going to
have a new office in Hudson pretty soon and we're
going to be able to go down there. We're going
to be on a new radio station down there. We're
going to simulcast from here. So again, if anything that

(01:38:43):
we're talking about is of interest to you, we can
meet with you either in our offices or you can
come visit us at our corporate offices in Malta. We
can drive to you. We actually enjoy doing that. Nico
and Chris and myself and mister McCarthy, Chris McCarthy, We
don't mind getting in the car. It's actually kind of
nice every once in a while to get out see

(01:39:04):
the countryside, see our clients. A lot of our clients
love to have us come over and see their homes
and farms and kids, gardens, dogs, horses, cats, what are
made big And it's always fun. It's always fun doing it.
So again, if we can be of assistance, and again
if you would like to participate with the Swing for

(01:39:27):
the Cure, just give us a buzz at the office
at five one eight, five eight zero one nine nine
five one eight five eight zero one nine when nine
and what do you guys think about the Yankees and
the New York Giants? The Yankees going to do it?
New York Giant's going to stay with the gentlemen that

(01:39:49):
they have a quarterback right now or are they going
to move to the new kid. I don't know. It
was kind of an uneventful first weekend with the New
York Giants. Hopefully we'll see what's going to happen with
Wilson this week. So and again, you know, I love sports,
I love watching sports, and I'm hoping that college sports

(01:40:10):
doesn't get decimated with this nil because the money that
these kids, these eighteen year old kids are making is
just astronomical, astronomical. And again, say a special prayer for
Charlie Kirk, for the girl Ukrainian girl in North Carolina.

(01:40:33):
It's just a horrific situation. I told you about this
couple that just got slaughtered in their home in Long Island.
We got a lot of crazy people running around, folks,
and I think as a society, we got to figure
out is this the way that we want to live?
Because somebody just riding to train, somebody that's out in
the public given a speech, and someone that's sitting in

(01:40:57):
their retirement home at age seventy seven shouldn't be butchered.
So say a special prayer for those people in for
our country. And as I said, we would love to
have you participate in our Swing for the Cure. And
as I said, the contributions this year will be going

(01:41:17):
to the American Cancer Society Tunnel to towers and all
the donations will give you a spreadsheet, we'll let you
know exactly how much we accumulated from the different events.
And you know, we're pretty My wife is pretty particular
about that as far as putting a black and white
and you'll know exactly where, where where your money went

(01:41:38):
and how much was accumulated. So again, if you'd like
to participate, called Jimmy five eight five eight zero one
nine nine. That's our telephone number. If you're outside the
five one eight area code, it's pretty easy. It's the
same number with an eight eight eight in front of it,
eighty eight eight five eight zero nine nine. And we'll

(01:42:01):
save you a seat. And if you don't have a foursome,
that's fine. We can put you in with some people.
You want to come by yourself, or there's just two
of you. As I said, it's a great day. I'm
gonna have to go out and take a few lessons
because my golf game, I just got some new clubs.
To say that I'm playing pathetic is kind of an understatement,

(01:42:24):
So I got to go figure out what I'm doing wrong.
When I was down in Florida, I was doing pretty good.
I got them shipped up here and I'm playing like
a bum. So but you got to play it in
order to be good at it. I don't play enough.
So again, thank you for listening. Thank you, and if
you can I don't know, look into your heart and
see if this is something that you want to do

(01:42:46):
or swing for the cure. As I said, it will
be greatly appreciated by myself and everyone at the Retirement
Planning Group. So we'll see you next week for another
retirement planning show and if we could be of assistance
our office eighty eight five ee to zero one nine
one nine. Be safe.

Speaker 4 (01:43:06):
The information or services discussed on this show is for
informational purposes only and is not intended to be personal
financial advice. The investments and services offered by us may
not be suitable for all investors. If you have any
doubts as to the merits of an investment, you should
seek advice from an independent financial advisor,