It's Never Too Early For Taxes

Is July 2023 the new April 2024? CJ, Maleeah, and Shawn talk about the importance of getting to your taxes early. Really early.

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. Full
lines are open for you right nowsix O eight three two one thirteen ten.
That's six O eight three two onethirteen ten. Love to have you
joined us this morning with our retirementplanning professionals from Class Financial join this week

(00:21):
by c J Class Emilia Quavis andthey are here to answer your questions again.
Telphone number here at station six Oeight three two one thirteen ten.
That's three two one thirteen ten.You learn more about Class Financial on the
website class financial dot com. That'sklaas Financial dot com. Great resource to
learn more about Class they're separate divisions. Also, if you miss part of

(00:42):
today's podcast or today's show, orI want to listen back to previous show's
podcast, they're all available to youup at class financial dot com. Also,
if you scroll down towards the bottom, you will see a little envelope
says state current. There you cansubscribe to the weekly Market Pulse newsletter.
It's a fantastic newsletter. I subscribedmany many years ago. Now it's a
great little weekly snapshot what's been goingon in the markets? Also linked the

(01:03):
most recent podcast again that available toyou at Klass Financial dot com. That's
klaas Financial dot com. Speak ofthings available to you at Klass Financial.
Their telephone number six O eight fourfour two five six three seven. Don't
forget no charge that initially gets toknow your appointment at Class Financially. It
will be complimentary to you. Againthe telephone number six O eight four four
two five six three seven for ClassFinancial office here in Madison. And to

(01:26):
get on the air this morning sixeight three two one thirteen ten. That's
three two one thirteen ten as mentioned. Joined this week by c J Class
and Malia Quavis. CJ. Howare you doing this morning? I'm doing
great. Good morning, Seawan,great to talk with you and Malia.
Are you enjoying this lovely, lovelyday and these great it's great weather we've
had. I know it's too much. That's why we live for these days

(01:46):
in the Midwest. We love it, we sure do. And it's also
why it's so important to talk aboutretirement planning because you can make every day
like today, and it just requiresa little bit of diligence on your part
through your career, and we've gota great conversation aheads of being prepared.
Tax season it's coming up. Italways seems to get closer and closer,
or we always seem to think like, oh, it's far far off,

(02:07):
and oh we've still got a coupleof months. It'll be here sooner than
you think. We're gonna be talkingabout next tax season and what you need
to know some really really good thingsabout getting organized. Now is the time
to do that. As mentioned,the phone lines are open three two one
thirteen ten. That's three two onethirteen ten. We'd love to hear from
you this morning. Another really greatthing we do on the program each and

(02:28):
every week is the Class Quiz Questionthe Week and our friends from Class Financial,
I've a chance for you to wina fantastic prize again this week.
This week we'll have a twenty fivedollars gift card to Amazon. Little tip
to the Class Quiz Question week.Oftentimes it's just about every time the question
and answer come up during the program, so it's very beneficial to pay close
attention to the show. Tell youa bit a little bit later on on
the show how you can win thattwenty five dollars gift card to Amazon.

(02:51):
And before we start talking about gettingprepared for tax season, let's actually take
a look back at last week's showand look at the question and answer to
the class quiz question the week aswell. Yeah, so we like to
over prepare people, so hence we'regoing to talk about tax planning today just
to be ahead of the game.And the same goes with our question last
week. And most people their earsperk up when they know they might be

(03:12):
receiving a benefit in the future.And so the question was what is the
earliest age you can pull your SocialSecurity benefit under normal circumstances. So Rob
of Madison, congratulations to him.He correctly answered age sixty two. And
I would say most people know thisbecause they're waiting for that day where they
can actually start pulling. But goodinformation when we spoke of last week,

(03:36):
So listen carefully to this week's informationand you might win our price. Some
people might know just off top oftheir head that they turned sixty two and
twenty forty four. I mean that'slike, how would be old well for
you, it won't be killed you'reninety or something. So come on,
very true, as we talked tolast week about social Security. I know
it's a very popular topic of verypopular conversation. I mentioned the website class

(03:58):
financial dot com. You definitely wantto listen and back to that show if
you ever have questions. Again,great opportunity to get you down the air
six away three two one thirteen ten. That's three two one thirteen ten.
Of course, it is a fewmonths out till next tax season gets to
us, but I'm guessing it's probablybest with this stuff to get organized sooner
than later. Is that the case, CJ. I'm still just reeling from

(04:18):
the fact that you just gave upyour age on the air. Whatever.
Sorry, he's counting the days,he is, exactly. So we are
going to be talking about kind ofa mid year tax check up here today,
and I would really encourage you payattention to some of this because this
is not so much about decisions youhave to make right now, but it's

(04:40):
more about just planning for the futureso that when you come to this next
tax filing season, which remember thetax filing season is always typically happening between
January and April of the year followingwhen you need to file those taxes,
so you know, for twenty twentythrees taxes. You won't have to file
them until twenty twenty four, butthis is going to give you some tips,

(05:01):
some tricks, some things to thinkabout to be as prepared as possible
for when you do need to goto file those those income taxes. Now,
with all this being said, wejust quick disclaimer. We do not
file tax returns for our clients.We've considered it. We do have experts
on staff who are very well trainedand thoroughly trained in tax but we do

(05:25):
not have an enrolled agent or aCPA on staff who could actually file them
for you. So because of that, we work very closely with our clients
accountants to make sure that everything theyhave, everything they need, and that
those tax returns get filed correctly.We also work with a lot of clients
who choose to file their returns ontheir own, which we'll be talking about
that today, the pros and consof doing it on your own or hiring

(05:48):
somebody to do it for you.But before we get too deep into this
topic, let's just talk about acouple kind of high level statistics or things
you should know. First things first. April fifteenth of twenty twenty four is
the due date set by the IRSfor completing your twenty twenty three taxes.
This is your personal income taxes nowthe accounts out there going. Yeah,

(06:12):
but what about extensions and other things. That's true, there are other dates
and deadlines you should be aware of. But again, April fifteenth of twenty
twenty four is the general due dateset by the IRS to complete filing your
twenty twenty three personal income taxes.Also, keep in mind that in twenty
twenty one tax filing season. Inthat season, more than two hundred and

(06:32):
sixty one million tax returns and supplementaldocuments were filed, and of those,
two hundred and three million were filedelectronically. Of the E file tax returns,
tax professionals prepared about fifty three percentof those, and the other forty
seven percent were self prepared. Soit's kind of interesting. Million. I

(06:56):
will often hear from people, Oh, the IRS, they're so inefficient and
that. By the way, I'mnot agreeing or disagreeing. What I would
say is, that's two hundred andsixty one million tax returns and supplements.
I would like to see you oranybody be super efficient with that. It's
very challenging. That's a lot ofdocuments coming through, and it's part of

(07:16):
the reason why it takes so longto hear back from from the I R
S. Talking this morning with CJ. Class Emilia quaevis our retirement planning professionals
from Class Financial Prime Opportunity. Ifyou've got a question or a comment left
to hear from this morning, sixO three two one thirteen ten. That's
six O eight three two one thirteenten. The website class financial dot com.
That's class klaas financial dot com andthey're telephone number six O eight four

(07:39):
four two five six three seven.No charge for the initial get to know
you employment at Class Financial. Itwill be complimentary to you. And so
Tray Casey can why am I callingyou KCYCJ? It's cling is your first
name? Even I CJ, soCJ. As we look through this stuff
this morning, UM, people oftenwonder should I use that tax CPA or

(08:01):
not? Well, James, that'sa really good question. So yes,
that's that is a great question.So many people say that they don't want
to spend the money, of courseon hiring a CP or accountant, and
certainly it varies greatly by who youtalk to I. We work with a

(08:22):
lot of accountants and CPAs, andsome of them will say, if we're
going to do a personal return ora trust return, we're going to charge
a minimum of a thousand dollars,and you know, God bless them,
that's that's their choice. And thenothers will say, yeah, we're willing
to do it for you know,as low as two hundred and fifty dollars,
And I say, awesome, that'sspectacular. But I don't know how
you keep your doors open, tobe quite frank, because filing tax you

(08:43):
got to take all that in,prepare the return, file the return.
Maybe talk to the person. Idon't know how you do that for two
hundred fifty dollars. So, longstory short, it can vary greatly by
who it is that you speak to. And we know a whole host of
firms that refuse to do personal returnsunless it's a byproduct of a business right.
So like class financial, we havea corporate accountant, the corporate accounting

(09:07):
firm also files my personal income taxes. Well, firms may say that's the
only way they will do those personalreturns. So it varies greatly. But
here's what we would say, hereare some reasons you may wish to use
a tax professional. For anybody who'slistened to our show long enough, you
know, we are fine with ourclients making their independent decisions to maybe try

(09:31):
to do an estate plan through legalZoom or to do their taxes on their
own. We're fine with all ofthat. But if you've listened long enough,
we don't prefer it. We preferwhen you hire the professionals and pay
reasonable fee to get that done.Because there's a whole host of reasons that
we're going to go through as towhy we feel that way. So here's
a few reasons. Number One,professional tax preparers are paid to keep up

(09:54):
with the complicated tax code changes eachyear so that you don't have to.
Yes, it is wildly complex,and there can just be things that you're
not aware of that you should betrying to take advantage of. Number Two,
it can save you money. Now, some people go, what are
you talking about, Well, ifyou're missing deductions or not accessing credits because
you're filing your return wrong, youcan be missing out on money savings that

(10:20):
even net of the fee that theaccount and charges, you could be saving
you money. It definitely saves youtime and headache, no doubt about it.
According to the Interternal Revenue Service,it takes nearly seven hours to complete
the average tax returned with deductions,and if you're a business owner, plan
on at least twenty hours. Soagain, it depends what you want to

(10:41):
do with your time and what yourexpertise is, but that could be a
benefit. Another benefit of hiring anaccountant or CPA could be that they can
answer your questions and resolve issues morequickly. They might even call the IRS
on your behalf to make sure theyget a clear answer to a question.
You gain the peace of mind knowingthat if something goes wrong and you get

(11:01):
audited that ultimately they're going to bethere to help you kind of defend you
through that audit. The mistakes thatthey can help you avoid can be both
costly and time consuming, so makingsure that they do it for you reduces
the amount of errors. You benefitfrom the money savings tax planning. So
every once in a while an accountand will say, oh, it looks
like you could do this in thefuture if you do this now, and

(11:26):
you go, oh, I hadnever thought of that. Your previous returns
can also be reviewed by the accountto make sure there were no errors and
to revise those errors rapidly if therewere any, and then of course it
takes the hassle out of doing iton your own. So long story short,
if you decide you want to usean accountant, you may want to
consider engaging them now. So here'sthe warning. Many accountants will refuse to

(11:54):
take on new business once you getinto November, December, January, and
for good reason, right because they'rehaving to start to actually take in all
those documents and prepare returns, andif you come to them too late in
the game, they'll just say,I'm sorry, I'm not taking on new
business right now. So if you'rethinking, hey, twenty twenty three is
the year that I'm going to hiresomebody to file my income taxes for me,

(12:16):
you might want to consider reaching outto them now to introduce yourself,
maybe even give them your last twotax returns for the last two years,
and then be prepared for filing infirst part of next year. Today is
a day to start that conversation.Speaking of starting a conversation, great opportunity
to call Class Financial their office righthere in Madison six O eight four four
two five six three seven. Thatfirst applotment they get to know you conversation

(12:37):
at Class Financial. It will becomplimentary to you again. They're telephone number
six O eight four four two fivesix three seven, the website Class financial
dot com. That's Klaas Financial dotcom. And we've got phone lines open
for you right now. If you'vegot a question for CJ and Malia love
to have you join us this morning. The number here at the station six
O eight three two one thirteen ten. That's six O eight three two one

(13:00):
town. Get you on the airwith CJ, Class and Malia Quavis,
our retirement planning profescials from Class Financial. We're gonna take your call next.
We also talk about some things tokeep in mind when it comes to planning.
Four you're filing of your twenty twentythree taxes. We'll get those details
from Malia and take your call next. As Money in Motion with Class Financial
continues right here on thirteen ten WIBA. This is Money in Motion with Class

(13:24):
Financial, a fun and informative showdesigned to help you get answers to all
your retirement questions in one place.Tellphen I'm gonna get on the air this
morning with CJ. Class and Maliaa Quevis our retirement planning professionals from Class
Financial six O eight three two onethirteen ten. That's six O eight three
two one thirteen ten. Left tohave you on the air this morning with
your question don't again. Learn moreabout Class Financial on their website class financial

(13:48):
dot com. That's klaas Financial dotcom. Learn all about them on the
website. Also sign up for theweekly market paulse newsletter, as well as
listening back to this and previous show'spodcast again. That's all up at classify
dot com. The telephone number sixO eight four four two five six three
seven, no charge for theinitial getsto know you eployment at Lost Financially it
will be complimentary again their number sixO eight four four two five six three

(14:09):
seven and telephone number here at thestation to get on the air six O
eight three two one thirteen ten.That's three two one thirteen ten. Talking
taxes this week and when we thinkabout twenty twenty three taxes, are there
some things people should be keeping inmind? And what about some tips for
people being better prepared for next year? Kind of those ways to simplify Maliyah.
Yeah, So so again, youknow, part of me says,

(14:31):
why are we even talking about taxesbecause we're only in July. But we
do like our listeners to be overprepared because the CJ said, that just
comes really fast, and suddenly we'vegot this this push between January and April.
So really hopefully everyone listened carefully tosecuring an accountant earlier than later is

(14:54):
really smart. Secondly, as weapproach retirement, a lot of our income
sources of income have changed, soyou may now be taking money from pensions
or other sources of income. Maybeyou've sold some real estate, etc.
Etc. So there might be morereasons that you want to engage a professional

(15:15):
because your simple taxes don't look quiteas simple as they used to. So
keep that in mind as you're consideringhow you're going to handle next year's taxes.
So things to remember. There's thisthing that everyone's familiar with called the
standard deduction. And so back intwenty seventeen, the Tax Cuts and Jobs
Act passed and that that's where wesaw the standard deduction on practically double.

(15:39):
So that's where we also saw peoplestop itemizing as much. There are still
people who do, but previously we'dall put put together our little file of
donations and everything like that. Well, what most people have found over the
years with a standard deduction, whichis now up to twenty seven thousand,

(16:00):
seven hundred and twenty twenty three thirteenthousand and eight fifty for single filers,
unless you're going to have itemization overand above that, and some people do,
but but generally speaking, you're goingto probably take the standard deduction.
So that's a nice amount to beable to take off as you're filing your
taxes. So what we're going tosuggest as a tip today is create a

(16:26):
twenty twenty three tax file to secureall those W two's that you'll be receiving
come January. You're ten ninety nine'sand these other statements are going to show
up. Now, I'm not justtalking physical files because hopefully most of you
don't even have those anymore, butyou do need to start creating that,
believe it or not, little fileson your computer or folders where you as

(16:47):
you receive these electronic statements, andyou'll start getting them as early as mid
January, end of January into Februaryand March, you can start securing those
documents, saving them into the appropriatefolders, and your accountants are going to
love you. They should send usmoney for telling you to do this because
you're going to be so organized.So again, start looking at the end
of January and into February March.Like I said, I know some people

(17:11):
are There's two types of individuals.One is I want to get my taxes
done today. The other type islike you know, just a just do
another extension. So you need tounderstand that the IRS does have some um
actual dates that they have to getthings out by, or I should say
not date IRS, actually your differentmutual funds and other investments. So if

(17:33):
you have iras, those statements needto be out by end of January,
so you should start seeing them there, but other types will will flow into
February and March. So um,next thing I want you to do is,
as CJ mentioned, figure out who'sgoing to do your taxes and get
that scheduled as soon as you can. And then some two does right now

(17:56):
is is look at contributing to yourtraditional IRA or roth IRA before you file.
So, as we just said,your deadline next year's April fifteenth,
so you do have until April fifteenthof next year to contribute on behalf of
twenty twenty three. So right now, your totals include up to sixty five
hundred per person if you're under fiftyinto an IRA, and of course you

(18:18):
have to have earned income for thator seventy five hundred for those over fifty
or non working spouses, and sothat's great, you've got that time to
be able to do that, butwe want you to also look at your
retirement plan contributions, so those youhave to have those in by December thirty

(18:38):
first. There's no wiggle room aroundthat. So make sure you're looking as
of today how much have I contributedinto my four or three B, four
one K, etc. So thatyou can make sure that's maximized through your
payroll deductions. So again twenty twothousand, five hundred if you're under fifty,
thirty thousand and four over fifty,that's with the ketchup contribution. So

(19:03):
just take a look and see howyou're doing on that, because we would
like you to try to maximize yourcontributions in because it's going to reduce your
taxes. And then some special thingsto remember. If you've received unemployment benefits,
you have to keep in mind thoseare taxable. And also that you
can, as I said, continuecontributing into your iras roth aras all the

(19:23):
way now past the age of seventyand a half, so as long as
you have some earned income, youcan continue contributing. Nothing. A tax
preparer account loves seeing more than you'rewalking up the door with a nice organized
accordion folder with all you Yeah,well that you're gonna say, what do
you have on your computer? Yeah, that's the I guess. Yeah,

(19:44):
that's exactly. And it's great tipsand again as we as we break this
stuff down, it is never tooearly to get started on tax preparation.
As a matter of fact, somegreat tips this morning and great reasons why
now is the time to do thatas we start this conversation to have this
kind conversation with CGM. Really it'salso great time to talk with the folks
at Class Financial. All I gottagive him a call six O eight four

(20:06):
four two five six three seven.No charge for that initial get to know
you appointment tech Class Financial. Itwill be complimentary to you again the telephone
number six O eight four four twofive six three seven. Learn more about
Class Financial. They've got a greatwebsite it's class Financial dot Com. That's
Klaas Financial dot com. Great websiteand resource there again Class Financial dot Com
and there telephone number six O eightfour four two five six three seven.

(20:29):
We'll talk about what you should expectto pay for taxes to have your taxes
done. Also, does everybody needto file taxes? We'll get the details
on that next and take your callas Money in Motion with Class Financial continues
right here on thirteen ten WIBA.This is Money in Motion with Class Financial,
a fun and informative show designed tohelp you get answers to all your

(20:52):
retirement questions in one place, talkingwith our retirement planning professionals only Acquamus and
c J. Class. Of coursethey come to us Class Financial the website
Class financial dot com that's Klaas Financialdot com. Check them out online.
Also, while you're there, don'tforget to sign up for the weekly Market
Pulse newsletter. As well. Asyou can listen back to this and previous
show's podcast, you can also subscriberight online at Class financial dot com.

(21:17):
That's Klaas Financial dot Com. Telephonenumber for the office right here in Madison
six O eight four four two fivesix three seven, No charge, for
the initial gets to know You appointmentdeatcloas financial it is complementary to you again
the telephone number six O eight fourfour two five six three seven talking taxes
this week. And one of thequestions I think a lot of people wonder
about is what should I expect topay when it comes to working with a

(21:38):
tax prepared to do taxes CJ.Yeah, good questions. So I think
people know this intuitively, but itdepends. It depends upon the complexity of
your return and the amount of incomeyou're earning and the variety of income sources
that you have. But the NationalSociety of Accountants known as NSA, they
release a study in February of twentytwenty two that reported the following national averages

(22:03):
for Form ten forty income tax returnsand a corresponding state return. They reported
an average of about two hundred andtwenty dollars for Form ten forty without any
itemized deductions, three hundred and twentythree dollars for an itemized Form ten forty
with a Schedule A, and thenfinally about nine hundred and three dollars for
Form eleven twenty S, which isfor s corporations now again, the complexity

(22:25):
surrounding various tax schedules and your needfor reviews of prior returns and all these
different things rapidly can increase that number. Another avenue to consider if you qualify
is that you can file your taxesfree through the IRS, which has partner
with many companies that can help youfile if you meet certain conditions. The

(22:47):
IRS Free File Alliance Program is apublic private partnership between the IRS and many
tax preparation and filing software industry leaders, and they provide their brand name products
for free with stipulations, which we'regoing to talk about those stipulations here in
a moment, but it does providetwo ways for taxpayers to prepare and file
their federal income tax online for free. So traditional IRS Free File provides free

(23:12):
online tax preparation and filing options onIRS partner sites. Partners are online tax
preparation companies that develop and deliver theseservices at no cost to qualifying taxpayers.
Now, do note that there isa cap on income, so this is
one of those stipulations I was mentioning. The cap on income is about seventy
three thousand dollars for twenty twenty three, which could change as we move forward,

(23:37):
and that is for you to qualifyfor the free file partner offer.
So if your income is over thatthen they start charging you. However,
if your income is greater than thethreshold, then you can access free file
fillable forms, which are electronic federaltax forms that you can just fill out
and file online for free. Ifyou choose this option, you should know

(24:00):
how to prepare your own tax returnand fill out those forms. And if
you go to IRS dot gov youcan access these programs by searching for free
file. Now again, I dojust want to pause. We're giving you
the information. But if you listento the show from the beginning, you
heard me say we do prefer whenpeople hire professionals mainly because it just cuts

(24:22):
down on the errors, creates efficiency, allows you to focus on what you're
good at and not try to bewhat we call shallow and wide. So
you can learn a lot of thingsabout a lot of things, but you
end up having to be pretty shallowand wide. Generally, we find that
people are going to be better offif they are narrow and deep, and
so this is one of those areaswhere there's just a lot of part of

(24:45):
the tax code that is not goingto apply to you, but you need
to understand these parts of the taxcode in order to file a tax return
appropriately. Now with all that beingsaid, you can again do it for
free. We talked about a fewways and there are some pretty i'll call
it cheap do it yourself for optionsas well, which are some of these
low cost tax filing softwares out there. So a couple of big names are

(25:07):
Turbo Tax h and r Block TaxLayer Tax Act and again these programs you
can just pay for the software onlineand then it's you know, suwhere between
call it fifty to a couple hundreddollars just to pay for the kind of
the assistance of the technology to getyou through that. So there you go.
There's the outline everything from hiring aprofessional to trying to do it completely

(25:32):
for free or just hiring a technologyand paying a lower amount. Either way,
you know, consider what's best foryou. Very interesting stuff from c
J Class Emilia Quevas our retirement planand professionals from Class Financial online, Class
Financial dot com that's Klaas Financial dotcom. They're telephone number six to eight
four four two five six three seven. No charge for the initial get to

(25:52):
know you apployment tech class. Financially, it is complimentary to you come up
a just a moment, we'll dothe class quiz question week. But before
that action that sometimes I hear fromfolks and I go, wait what and
say, do I have to filea tax return? Is do? What?
Does everybody have to file malio orwhat do we need to know there?
Well, that's a great question.So there are situations where you possibly
don't need to file, So againI said possibly, so we would ask

(26:17):
you to double check with a taxprepared to make sure of this. But
what the IRS does is they consideryour age your filing status, in your
income. So if you didn't haveany income, then probably not. But
most people do have some form ofincome as they're in retirement. So in
twenty twenty three, you likely willnot need to file a tax return.

(26:38):
If you're under age, under theage of sixty five, and you're single,
you don't have any special circumstances thatrequire you to file, like self
employment income. If you earn lessthan thirteen thousand, eight hundred and fifty,
which is the twenty twenty three standarddeduction, likely you won't have to
file. So if you only receiveSocial Security benfits and you don't have any

(27:00):
other taxable income, then you possiblywon't have to. But again we want
you to double check. Especially ifyou're married, that could complicate the situation
because you might have an income fromanother source. So we want to make
sure that if you don't have tofile, certainly don't, but make sure
someone qualified has to run your numbersto make sure that is the case.

(27:22):
Yeah, the i RS isn't alwaysthat understanding, we say, oh,
yeah, we want to make sureyou do it right. Exactly. Great
information, very important tips and guidancethis week. Don't forget. If you
missed any part of the program todayor want to listen back to a previous
show, you can always listen tothe podcast at class financial dot com.
That's Klaas financial dot com. Alsosubscribe to the podcast right online, as

(27:44):
well as an opportunity to sign upfor the weekly market Pulse newsletter that all
at the website class financial dot comKlaas Financial dot Com. Telpho number six
eight four four two five six threeseven. No charge for the financial gets
nor appointment at Class Financial. Itwill be complimentary to you. Again.
The teleph number six O eight fourfour two five six three seven. You
can want to hold on to thattelephone number now because it's time for the

(28:06):
class Quiz Question the Week. Itworks like this and just a moment,
I'll ask you the class quiz questionthe week. You will then have thirty
minutes from the end of to day'sprogram to call the Class Financial office right
here in Madison at six O eightfour four two five six three seven.
If you are the first caller withcorrect answer, you win this week's prize,
which is a twenty five dollars giftcard to Amazon. This week's class
quiz question the week is this Whatis the irs due date for twenty twenty

(28:30):
three income taxes to be filed intwenty twenty four. Telephone number six O
eight four four two five six threeseven. First caller with correct answer win
the twenty five dollars gift card Amazon. And again that's Class Financial's office right
here in Madison. No charge forthe initial goods, No you apployment at
Class Financial. It is complementary foryou and they're telephone number six O eight

(28:51):
four four two five six three seven. It's always great chatting with you guys,
Always fun and I always learn alot. It's always good talking you
guys. Enjoy the day. ThanksThanks Sean CJ. Class Male Acquavius.
Our retirement planning professionals from Class FinancialNews comes your way next right here on
thirteen ten, Dumbly I bea Thisis Money in Motion with Class Financial Asset

(29:11):
Advisors LLC, a registered investment advisorregistered with the SEC. The content of
this show is for informational purposes onlyand should not be considered individual investment advice.
Class Financial does not offer tax orlegal advice. Any opinion offered during
the course of this show is theopinion of that particular investment advisor representative,

(29:33):
and not necessarily the opinion of ClassFinancial