Estate Planning

Stepping in for Maleeah this week is Kyle Kite, who - along with CJ, talk wills, powers of attorney, and all things estate planning.

Episode Transcript

(00:00):
This is Money in Motion with ClassFinancial, a fun and informative show designed
to help you get answers to allyour retirement questions in one place. And
our phone lines are open for youright now. If you'd like to join
us, we'd love to hear fromyou. Telephone number to get on the
air six oh eight three two onethirteen ten. That's six oh eight three

(00:21):
two one thirteen ten. We'll getyou on the air with our retirement planning
professionals from Class Financial join this weekby c J. Kloss and Kyle Kite.
Of course they come to us fromClass Financial. You can learn more
about them online. Just they gottheir bios. They've got links to the
different divisions of Coss Financial. Alsoan opportunity to sign up for the weekly
market paulse newsletter. That all atCossfinancial dot com. That's Klaas Financial dot

(00:45):
com. Telephon number for the officeright here in Madison and Dane County six
oh eight four four two five sixthree seven. No charge for that initial
gets to know you appointment deck LossFinancial. It will be complementary to you
to set that up. All youdo is give them a call six oh
eight four four two five six threeand you get on the air. It's
the regular number six oh eight threetwo one thirteen ten. That's six oh
eight three two one thirteen ten,as mentioned, joined by CJ Closs and

(01:07):
Kyle Kite this week. CJ,how you doing this morning? I'm doing
great. How are you? Sean? I'm doing really really well. And
Kyle, how have you been.It's been been a little bit. It's
good to have you on. Andhey, Shawnie, I'm doing good as
well. It's really good to talkwith both of you. And we're going
to be talking about estate planning kindof big picture stuff. So it's going
to be a really engaging, reallyinformative program this week. As always,

(01:30):
don't forget if you ever missed partof the program or you want to subscribe
to the podcast, you can dothat at class Financial dot com and again
the telephone number six oh eight fourfour two five sixty three seven. No
charge for that initi you'll get toknow you appointment deck Class Financial complimentary to
you at six oh eight four fourtwo five six three seven. One of
the really cool things as well thatgoes on in the program is the Closs
Quiz Question week chance to win afantastic prize this week, no exception to

(01:53):
that chance for you to win atwenty five dollars gift card to Target.
Tell you a little bit later onthe program how you can win that the
little tip and closely often both thequestion and answer to the class quiz question
the week come up during the program, of course, at twenty five dollars
gift card to Target provided by ourgood friends at Class Financial. Before we
start our conversation about state planning,let's take a look back actually at last

(02:14):
week's program. Get the question andthe answer to last week's class quiz question
of the week. Yeah, thankseverybody for listening, and congrats to our
winner last week, Jill out ofFitchburg. So, just as a review,
last week's question was true or falseif you take money out of an
annuity product prior to the age offifty nine and a half, will you
have to pay a penalty of tenpercent? And that answer was true.

(02:36):
That's fantastic, And don't forget youtwo can be like Jill, have a
chance for you doing a great prizelater this morning. Also, of course
you've missed any part of last week'sprogram. It was a very very informative
show. You can listen back atclssfinancial dot com. That's Klaasfinancial dot com.
Artelph. I'm gonna get on theother this morning six oh eight three
two one thirteen ten. That's sixoh eight three two one thirteen ten.

(02:57):
And right out of the gate thismorning, we've got a question on out
the beautiful cross planes and Ken joinsus. Ken, welcome to the program.
You're on the air with CJ.Closs and Kyle Kite of Class Financial
Morning. Thank you for taking mycall. You bet, I started getting
my Social Security at maximum age yep. Anyway, However, sometime after I

(03:23):
started getting it, they notified methat they'd made a mistake and they deducted
reduced my monthly checked by six hundreddollars. And I was curious what the
recourse is. How do we knowthat they made a mistake the first time
and not the second time. That'sa great question, Ken, I guess

(03:44):
a clarification. You said at yourmaximum do you mean your full retirement age
or do you mean you started drawingout? Say that's what I meant to
say, is my retirement? Yeah? Yeah, so that's a great question.
I mean, what I do inthat circumstance, Ken, as I
would, I would log onto SSAdot gov so www dot SSA dot gov.

(04:05):
I would set up a log in, and I would go in and
look at my full retirement age projectionamount and see if the first amount they
paid me was six hundred dollars morethan they were projecting they should at which
point then I would say, oh, that that makes sense as to why
they're adjusting it because they made amistake. But if instead they're adjusting me

(04:30):
down below that amount that I wasprojected to receive, then of course I
would probably go into a local SocialSecurity office and say, hey, what's
going on now. There can bea lot of reasons for this. Sometimes
they find out that you're that there'ssome sort of of an offset because of
a pension that you're eligible for,So there can be a lot of different
reductions or adjustments they have to makebased on other factors. But obviously I

(04:54):
can't speak to that in your case, I don't know why they would be
overpaying you or underpaying you based onbased on that information. Interesting call,
Ken, and thanks for the callas well. And CJ. You mentioned
as well SSA dot gov. AndI know We've done a number of programs
where where that website is referenced andcase and point to what Ken is calling
about. It's regardless of your ageor where you are. It's important to

(05:17):
kind of you know, mistakes happen, errors happen in life. It's not
malicious. Oftentimes, it's typically justyou know, a wrong number gets punched
here or there. That website SSAdot gov is great to kind of track
making sure that the numbers jive asyou're working through your career and then of
course getting into retirement. Yeah,exactly right, No, it's it's good

(05:39):
that can call an asset. Ithink it's important for everybody to realize how
can I trust the information that they'reproviding to me. And obviously one way
is to actually be monitoring your recordas your earning, making sure that the
earning's history is accurate, looking athow they project your benefit, and then
when you receive your first check,do a double check against what they told
you you were going to receive tomake sure that it's in line. Talking

(06:00):
this morning with CJ. Closs andof course Kyle Kaite, our retirement planning
professionals from Class Financial, if you'vegot a question, you too can be
like ken get you on the airsix oh eight three two one thirteen ten.
That's six oh eight three two onethirteen ten. The website for class
financial class financial dot com. That'sklaas Financial dot com and their telephone number
six O eight four four two fivesix three seven. No charge for that

(06:24):
initial gets to know you appointment atCOLSS Financially eight will be complementary to you.
Again, they're number six oh eightfour four two five six three seven.
So I know one of the areasthat you guys look at with clients
is not only making sure financially folksare ready for retirement, but also kind
of that big picture of state planning. Let's talk a little bit about why
this is such an important part ofwhat you guys do with clients and of
course as part of their retirement planning. Yeah, our belief is that a

(06:47):
financial planner should work with you,or should work on your behalf as a
director or a coach of your overallfinancial team. Now that's not to say
that you couldn't have an accountant playingthat coach role, or your lawyer could
play that coach role. That's certainlyfine, But the idea is that you
want to have a almost like acoordinated care expert, of all of those

(07:09):
financial professionals who are making sure they'reworking in coordination with one another. Because
listen, your accountant might be ableto file your income taxes, but they
may or may not be able togive you investment advice. Your investment advisor
may be able to give you goodinvestment guidance, but they can't draft your
legal documents. And your lawyer canbe a great lawyer, but they can't

(07:30):
write insurance policies often, so youget the idea. The point here is
that while they all are experts intheir own area, often it's the lack
of coordination that can create problems.We see this especially when it comes to
creating your estate plan. Now,we've done many many shows on a state
planning, so if you want togo to our website look up our Money

(07:51):
in Motion podcast, you can actuallysearch for any shows that we've done on
this topic. But for those whohave heard us talk about this, you
know that there's a lot of thingsto consider relative to estate planning, but
that coordination of all of those kindof records and benefits is really really important.
So again, your financial planner,in our humble opinion, should be

(08:11):
directing that conversation. Now. Ourexperience is that many people might have begun
the estate planning process creating a will, trust powers of attorney, but often
they don't complete them. So aswe dive into this topic today, I
want to give a quick disclaimer.We are financial planners and money managers.
We are a fee base fiduciary.We are not a registered representative, so

(08:35):
we have a fiduciary standard to doit's in your best interest. We do
not sell or create investment products.However, we also are not lawyers,
right, so we're going to talkabout a topic that directly impacts what your
lawyer would be able to draft foryou, and it's because we act in
that kind of coaching role, butit is not because we are the expert
in this space. Your lawyer orthe lawyers we would refer you to would

(08:58):
be the experts. So that kindof disclaimer out of the way. This
area of estate planning tends to getmissed or messed up quite often. We
would argue that as we enter intothe fall season, it's an ideal time
to review, adjust, or maybeeven complete for the first time. Your
basic estate planning documents. Again,this includes wills, revocable trust, powers

(09:24):
of attorney, and healthcare directives.I just cannot encourage you enough. Make
sure that as you move into thisfall, if you don't have that in
place, pause, find a goodestate planning lawyer and have them help you
draft these documents. Talking this morningwith every timement planning professionals CJ Closs and
Kyle Kite. They come to usfrom Class Financial. If you've got a
question for Kyle and CJ, loveto have you join us this morning.

(09:46):
All I could just pick up,don't give us a rank six oh eight
three two one thirteen ten. That'ssix soh eight three two one thirteen ten.
The website for Class Financial class financialdot com or at CJ mentioned listening
back to some of those previous showspodcasts. They are available online at class
financial dot com. Tell me numbersix oh eight four four two five six
three seven No charge for that initialget to know you appointment dech loss Financially.

(10:07):
It will be complementary to you.Again, they are number six oh
eight four four two five six threeseven and CJ estate Planning. This is
a big part of of what youwhat you guys, work with at and
kind of a big element, isn'tit. It really is. Yeah,
So again back to we can't doall the things that you need for a
comprehensive financial plan because we were justnot licensed in that particular way, and

(10:30):
by the way, very few peopleare. It requires a lot of cross
disciplined but we understand how critical that. I think of it as the umbrella
to all of your finances right now, maybe umbrella is not the right term
because I think there's an insurance companythat uses that. But the idea being
your estate plan governs all of yourassets during and afterlife. And so this

(10:50):
idea of do you need to havea governing document, the answer is,
oh, my gosh, yes.So it's one of the most critical elements,
and yet it often isn't in exists. As a matter of fact.
For those listening, here's some interestingdata to kind of lodge away in your
brain. According to caring dot COM'stwenty twenty three Wills and a State Planning
study, sixty four percent of Americansbelieve that having a will is important.

(11:16):
Okay, some majority of Americans believehaving a will is important, but the
reality is that only about thirty fourpercent of them actually do have a will
in place, So you see thedisconnect there, I mean, and think
about this, Well, here's thegood news. If you die without a
will, the state that you livein has a pre written will for you.
Isn't that great? Nice? Andby the way, they have to

(11:37):
do this because they have to somehowsettle your estate because you didn't take the
time to tell them what to dowith your stuff, so they have to
take the time to create a kindof a standardized process for doing it.
But I promise you their pre writtenwill does not say what you want it
to say. So therefore, asyou can imagine, while Americans may acknowledge
the need for these documents, there'soften some visible barrier there getting in the

(12:01):
way. And so we're gonna we'regoing to talk about that today kind of
some ways to move towards this topic. It's going to be a fantastic conversation,
that's for sure. If you've evergot questions, you can always get
on the air during the show sixoh eight three two one thirteen ten.
That's three two one thirteen ten.Learn more online at cossfinancial dot com that's
Klaas Financial dot Com and their telephonenumber to set up that appointment six o
eight four four two five six threeseven. No charge for that initial get

(12:24):
to know you conversation. That meetingis going to be complementary to you again
their number six oh eight four fourtwo five six three seven. We'll continue
our conversation with Kyle and CJ.What about a will? Does everybody need
one? We'll get the answers tothat and take your call next as Money
in Motion with Coss Financial continues righthere on thirteen ten Wiva. This is

(12:46):
Money in Motion with Class Financial,a fun and informative show designed to help
you get answers to all your retirementquestions in one place. Join this week
by our retirement planning professionals from ClassFinancial, Kyle Kite and CJ Class learn
more online the website Class financial dotcom. That's Kate laa as Financial dot
com and they're telephon number six oheight four four two five six three seven.

(13:09):
That first appointment will be complimentary toyou again. The number six oh
eight four four two five six threeseven. Talking this week about estate planning
and the word will came up inthat last segment, So Kyle, does
everyone or excuse me, yes,Kyle, Kyle, sorry about that.
Does everyone need a will? It'sa great question, Sean, And as

(13:30):
CJ mentioned, whether everybody needs one, that's that's up for debate. Here
we'll go through some of the reasonsof why you should get one. But
if basically everybody has one, whetherit's yours that you've written down or the
state has it for you, youdo have a will. You just may
not be aware of what it saysquite yet. So I would say that
many people have these kind of stigmaswhen it comes to a state planning.
They think are two main things here, So estate planning is only for people

(13:52):
of sizable wealth, or it onlyhas to do with wills and trusts.
And some of the things that we'llget into here over the next few minutes
is the different things that go intoa state planning, because it is much
more than just wills and trusts.So we're going to shed some light on
this topic today. So almost everybodyupon their death has accumulated some form of
assets, whether it be investments,real estate, or other real property,

(14:13):
vehicles, those types of things.So it's important that upon your death that
you lead detailed instructions as to howyou wish those assets to be distributed and
to whom. So ideally these wouldbe specified in either a will or a
trust. So estate planning is foreverybody who owns and possesses things of value.
And remember that if you don't haveinstructions, like we said, the
state that you live in does.And when you die without a written will,

(14:37):
that is known as being dying intestate. So it means that you've died
without the will. Hence the state'sgoing to dictate how your property will be
divided and distributed, which may notbe how you wished it was done.
So CJ kind of alluded to thatearlier. So now let's talk about some
basic differences between trusts and wills,because this can get a little confusing for
a lot of people. So bothtrusts and wills are usedful estate planning devices

(15:01):
that serve different purposes, and bothcan work together to complete an estate plan.
So the first one is a will, so will goes into effect only
after you die, while a trustcan take effect as soon as you create
it. It directs who will receiveyour property at your death, and it
appoints a legal representative to carry outyour wishes. So will is kind of
the most basic document that's going todetermine how your stuff gets distributed once you

(15:24):
pass away. A trust can beused to begin distributing property before death,
at death, or after death.So a trust is a legal arrangement through
which one person or an institution suchas a banker law firm called a trustee,
holds legal title to property for anotherperson called the beneficiary. And trust
can help you avoid probate. Sothis is one of the biggest reasons to

(15:46):
get a trust is that it avoidsprobate. And another kind of one couple
scenarios where I always recommend people lookat a trust is if you have a
blended family or if you have aperson with special needs, whether that be
a child or a sibling that youhelp take care of. That is almost
always where you're going to want tolook at a trust in most scenarios.

(16:06):
Talk about us talking this morning withour retirement planning professionals, Kyle Kite and
CJ. Closs. Of course theycome to us from Class Financial online,
Class Financial dot com. That's klaasFinancial dot Com and they're telephon number six
So eight four four two five sixthree seven. So, Kyle, you
mentioned that word probate, What specificallyis probate. Yeah, it's a great
question, Sean. So probate isthe legal process that takes place after someone

(16:30):
dies in order to prove the deceasedlast will and testament and carry out the
deceased person's estate, which may includeresolving debts, selling assets, or distributing
any remaining assets to airs. Soreally probate is opened as a default because
it's for creditors to any money thatyou've owed. They get a chance to
notify the estate and get paid onthose types of things. So if you

(16:51):
name beneficiaries and have a trust inplace, many times your estate can avoid
probate. So the biggest reason mostpeople want to avoid probate is that it
can get very cost and takes aton of time. So we've seen probates
that last a few months on upto several years. So it just depends
on the state you die in,how complex your situation is, all those
kinds of things, and obviously thelonger the probate is open, there's likely

(17:12):
attorney fees involved, and many probatedestates can be paying three to five percent
of more of the estate, soit's very, very expensive. So the
cost is dependent on the complexity ofthe case, as we mentioned and Wisconsin,
the average probate is about four tofive percent, with attorney fees being
about half of that. So evenonce you get an estate plan set up,

(17:33):
it's important to review your beneficiary designationsand how they fit into your overall
estate plans. So remember that beneficiarydesignations that are put on specific accounts,
so bank accounts that have beneficiaries,your iras or four on cas that have
beneficiaries, those actually trump whatever yourwill or trust says. So it's very
important that whatever you want to havehappened is not only carried out in a

(17:53):
state plan, but also the titlingand the beneficiaries on the account are set
up the way they need to beas well. Really important to have your
stuff in order and keep regularly reviewingthose things. We're actually going to continue
our conversation on of course estate planningwith Kyle Kite and CJ. Closs,
our retirement planning professionals from Class Financialdot Forget. If you want to learn
more, of course, listen backto the program podcasts available up at classfinancial

(18:17):
dot com. That's k l aasfinancial dot com. Also, while you're
there, you can sign up forthe weekly Market Pulse newsletter. It's a
fantastic weekly email that you'll receive alittle snapshot of what's been going on in
the markets. Also linked to themost recent program again that available to you
at Klassfinancial dot Com. There telephonenumber six oh eight four four two five
six three seven. No charge forthat initial gets to know you appointment Atlass

(18:38):
Financial. It will be complementary toyou again the number six oh eight four
four two five six three seven.We're going to talk power of attorney and
how important those documents are when itcomes to a stay planning. We'll get
the details next as Money in Motionwith Coss Financial continues right here on thirteen
ten Wuiba. This is Money inMotion with Class Financial, a fun and

(19:03):
informative show designed to help you getanswers to all your retirement questions in one
place. Talking this morning with ourretirement planning professionals from Class Financial, CJ.
Closs and Kyle Kite. Of course, the website Class financial dot com.
That's ky l Aas Financial dot Com. Great website and resource to learn
more about Class Financial. Al'son opportunitythere to sign up for the weekly market

(19:23):
Paul's newsletter again, that website colssfinancial dot com and their telephone number six
oh eight four four two five sixthree seven. No charge for that initial
get to know you appointment tech QuawsFinancial. It will be complementary to you
again their number six oh eight fourfour two five six three seven. Talking
this week about estate planning and termslike I hear things like power of attorney

(19:45):
documents. How important are those whenit comes to estate planning? Yeah,
so state planning is not only aboutwills and trust, which Kyle was talking
about previously, and that directs howthose assets and your instructions should be carri
out, you know, kind ofafter you die. Now, trust go
into effect while you're alive, andthey can govern assets while you're alive.

(20:07):
But generally speaking, where these kindof will and trust documents really kind of
kick in and provide their full poweris ultimately after your death. But equally
important is to have proper power ofattorney documents in place while you are still
alive. So when we talk aboutpower of attorney, think of this through
the lens of what happens if Ineed to go in for surgery. And

(20:30):
now for those of you who havedone this or who are in the medical
field. You know, when yougo in for surgery, they do not
want to they be in the hospitaldoctor do not want to perform surgery on
you without a power of attorney formedical matter. So healthcare or medical power
attorney in place, because you're goingto be under the knife, and what
happens if while you're under the knifea decision has to be made, whether

(20:53):
it be to provide you with withmedicine or provide you with end of life
care, or if there's a donot resuscitate. The question is what happens
if a discretionary decision has to bemade, And so the hospitals don't want
to make that decision. They wantto have a medical power of attorney.
Said another way, they want tocall in the spouse or the loved one

(21:15):
to say, listen, we've gotthree options here. What do you choose
because they don't want that responsibility.So in a similar way, there are
power of attorney documents for not onlymedical but also for financial because if you're
in surgery or you get into acar accident, you just can't make decisions
or pay bills. Who's going todo that for you? So essentially,

(21:36):
a power of attorney document allows aperson known as a principle to decide in
advance whom they trust and want toact on their behalf if they become incapable
of making decisions for themselves. Theperson who acts on behalf of the principle
is called the agent. As Imentioned before, there's two primary types of
powers of attorney. There's medical andfinancial. Medical poa, also known as

(21:59):
a healthcare POA, gives a trustworthyfriend or family member who's the agent,
the ability to make decisions about thecare of the principle receives if they're incapacitated.
A financial POA gives an agent theability to make financial decisions on behalf
of the principle. It's common toa point one person to act as an
agent for both financial and health caredecisions, but in many situations that might

(22:21):
not be the right thing. I'lltake our family. My parents as an
example, have me listed for somefinancial par of attorney decisions. Obviously I'm
in the financial field, but theyhave my sister, who's an NP,
listed for medical par of attorney decisions, which again makes sense given her area
of expertise. So again, rememberthis there's a big difference between being a

(22:45):
beneficiary and a par of attorney.We often see these two merge together.
Somebody will say to us, oh, yeah, I know that account is
in my spouse's name, that fouror one k or ira, but I'm
their beneficiary and we go good foryou. If they die, we'll let

(23:06):
you know, right. But that'sdifferent than saying, hey, no,
I know that's my spouse's account,but I'm the power of attorney. Listen,
if you have the power of attorney, it gives you power to potentially
act right away or in the eventthat there's a qualifying situation. A qualifying
situation could be your insurgery. Soit is it is critical to make sure

(23:30):
you have these power of attorney documentsin place, both medical and financial,
and that you clearly understand the differencebetween being listed as a beneficiary, which
only comes into play when somebody dies, versus a power of attorney, which
comes into play while somebody is aliveand incapacitated. Very important distinctions. They're
talking this morning with Cjklass and KyleKaite our Retirement Planet professionals from Class Financial

(23:52):
Online, Class Financial dot Com.That's Klaas Financial dot com and the telephone
number six O eight four four twofive six three seven No charge for that
initial get to know you appointment techclass financial. It will be complementary to
you. And since you know astate planning is such an important part of
this, why don't very many peopletake the time to do it. And
if you do have that planning inplace, is it necessary to kind of

(24:15):
keep an eye on those and maybeupdate them as time goes on. Yeah,
it's a great question, Sean.And honestly, nobody likes kind of
feeling or you know, thinking abouttheir own mortality, So I would say
the fear of it being emotionally challengingor uncomfortable, and they choose to put
this off, put off this processto be completed at a later time.
They procrastinate. So again, nobodylikes thinking about their own mortality. So
it can be tough to reason throughsome of this stuff, and some people

(24:38):
just expect it to be complex,expensive and time consuming, unaware that you
know, when the right professionals involved, the process can be pretty simple and
not everyone's plan needs to be elaborate. And then many fears don't reflect the
reality of the state planning. Sowith expert guidance and modern tools, creating
a state plan can be a manageableand straightforward process, offering true peace of

(24:59):
mind at the conclude in the planning. So again, it's one of those
things that it's not fun to thinkabout, but once you've done it and
you know that it's done the waythat you want it to, it just
takes a load of a load offyour shoulders, which is great. So
and one of the questions we getall the time, Sean is if somebody
can do this on their own orshould they seek an attorney. So there's
plenty of wonderful online tools out thereto get you started and thinking about these
types of things, but we'd wantyou to take very special care that everything

(25:22):
is accurate to your wishes and properlysigned and updated as life changes. So
with that said, we would normallyprefer for most of our listeners to consider
using an estate planning attorney to makesure things are done properly and fully executed.
And as far as reviewing it,yes, you should review this and
if necessary, update your beneficiaries andyour will and trust documents. Regularly we
hear it so many times we aska client that they're sitting down with us,

(25:45):
you have a will done and theyep, we've got it done.
But it was thirty years ago.Well, needless to say, they've had
a couple of kids since then,or maybe in the grandparents' age they've got
different grandkids and they had when theyinitially set things up. So it's very,
very important that once you have itdone, you need to we say,
you know, taken out every coupleof years and just blow the dust
off of it and make sure thatit still still says what you wanted to
say, given how your life fifittinglife circumstances has change and things like that.

(26:08):
It's funny, Kyle, you mentionedblow the dust off it as you
were describing, and I just seethat scene in the movie with the family
members frantically running to the bank tothe safety deposit box and they crack open
this this box and there's a Manilaenvelope and they blow the dust off to
review this stuff, realizing these thingshaven't been touched in generating definitely well that

(26:30):
stuff updated. Fantastic program As always, don't forget if you did miss part
of today's show, you can alwayslisten back at Colssfinancial dot com. That's
k l a a s Financial dotCom also a great opportunity to share that
that the podcast, the program withyour friends and family, a lot of
great information each and every week hereon Money in Motion with Class Financial mentioned

(26:51):
the website coss financial dot com.That's k l a a s Financial dot
com and the telephone number six soeight four four two five six three seven.
No charge for that initial get toknow you appointment tech co Loss Financial.
It will be complementary to you againtheir number six oh eight four four
two five six three seven. Goingto hold on to that talleel for number
as well, because it's time nowfor the coss Quiz Question of the week.

(27:11):
It works like this, just amoment, I'll ask you the coss
Quiz question the week. You willthen have ten minutes from the inter Today's
program or excuse me, thirty minutesfrom the inter Today's program to call the
Class Financial office right here in Madisonat six oh eight four four two five
six three seven. If you arethe first caller with correct answer, win
this week's prize, which is atwenty five dollars gift card to target.
This week's coss Quiz question the Weekis this According to caring dot COM's twenty

(27:34):
twenty three wills and a state planningstudy. What percentage of Americans currently have
in a state plan in place?Is it thirty four percent or more than
fifty percent? Telephone number six oheight four four two five six three seven,
first call correct answer, Win thattwenty five dollars gift card to target.
Don't forget. That's Class Financial officeright here in Madison as well.

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Six oh eight four four two fivesix three seven. No charge for the
initial gets to know you Appoyment TechLoss Financial. It is complementary to you.
CJ Kyle. It is always greatchatting with you guys. You enjoyed
the most beautiful days. Thanks ShawnSean ce CJC Kyle. News comes your
way next right here on thirteen tenWIBA. This is Money in Motion with

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COSS Financial Asset Advisors, LLC,a registered investment advisor registered with the SEC.
The content of this show is forinformational purposes only and should not be
considered individual investment advice. Class Financialdoes not offer tax or legal advice.
Any opinion offered during the course ofthis show is the opinion of that particular

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investment advisor representative and not necessarily theopinion of Coloss Financial