October 27, 2025 • 43 mins
Listen in as host Steve Kuker, President of Senior Care Consulting, visits with Bruce Glenn, Senior Wealth Manager and President of Rally Wealth and Benefits. Bruce provides a brief snapshot of the current state of the economy, has a year-end planning reminder, and explains what Rally Wealth and Benefits is doing with their portfolios. Then, Steve visits with David Wiley, President and CEO of Kansas City Hospice and Palliative Care and Bill Riek, Associate Director of Gift Planning with KCHPC. David and Bill discuss Estate Planning Awareness Week, explain the importance of having the proper foundational documents in place, and offer an amazing tool available free of charge on their website called “Free Will”. David discusses how making even small monthly donations really add up to enable KC Hospice to serve families in need throughout our community. Steve and David discuss the success of their recent Sunday Night Live fundraising event. #SeniorCare #SeniorCareLive #SeniorCareConsulting #SeniorLiving #KansasCitySeniorCare #SeniorCarePlacement #SeniorCareAdvisor #Franchise #SeniorCareFranchise #WealthManagement #FinancialAdvisor #Hospice (800) 331-6445
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Are you caring for an aging loved one? Are you
a senior searching for answers? Welcome to Senior Care Live,
a program dedicated to you, providing information, education, and resources
for seniors and their caregivers. And now America's senior care consultant,
Steve Keecker.
Speaker 2 (00:23):
Hello, and welcome to Senior Care Live. I'm Steve Keeker.
You're a senior care consultant and I really appreciate you
tuning in today. We have an excellent program for you
today with my friend and special guest in Studio Live.
He's mister Bruce Glenn, the Senior Wealth Manager and President
of Rally Wealth and Benefits. And Bruce, welcome back to
(00:44):
Senior Care Live.
Speaker 3 (00:45):
Thanks Steve. Always good to be here with you.
Speaker 2 (00:47):
All right, and how about those chiefs.
Speaker 3 (00:49):
Let's go chiefs.
Speaker 2 (00:50):
He Hello, I think we finally woke up a little bit.
Speaker 3 (00:57):
Well, getting our best receivers back in Eli Rushy Rice
this week, but Xavier Worthy a couple of weeks ago. Yeah,
it's hard to stop two of the fastest, best quickest
receivers in the league.
Speaker 2 (01:07):
And then you throw a little Hollywood Brown and l
and Thornton and Kelsey, Yeah, and Juju Smith Shus Jeff.
Speaker 3 (01:14):
I mean those last minute to save your catches once
in a while.
Speaker 2 (01:18):
Yeah, And if you're a defense who are you going
to guard?
Speaker 3 (01:20):
I feel sorry for the defenses.
Speaker 2 (01:24):
I feel sorry for him just a little bit. All right, Bruce,
what it really is great to have you back in
the studio and uh and for our listeners, and take
this number down if you want to reach out to
Bruce Glynn the excellent team at rally Wealth and Benefits
nine to one three three zero eight zero two seven
seven or toll free eight eight eight two four one
(01:45):
two three six one online at rallywb dot com. And Bruce,
let's talk about the current state of the economy. And
I'll tell you what. I hate it that this sometimes
many times becomes I think a little bit politicized. So
depending on who you're hearing, it's the greatest thing that's
ever happened in the history of the world, and then
(02:05):
some other folks say it's the worst thing. This guy's
following we're all going to die so well, So thank
you for bringing some clarity to this really important subject
because I think it's pretty filtered out there depending on
who's delivering the news.
Speaker 3 (02:21):
Yeah, absolutely, it really is. It's unfortunate because the news'
job is to have viewership, and the only way to
get good viewership is they have to be shock jockeysh
because if it's all rainbow sunshine and puppy dogs, they're
going to tune out, right, Yeah anyway, So yeah, absolutely.
So the economy overall is good. And here's some key indicators.
So unemployment is still in that four percent range. Historically speaking,
(02:44):
full employment is considered to be a six percent, so
we're still down in the four percent range. Inflation is
still a little bit sticky, but it's in that year
over year number of around the mid twos. And inflation
has measured a lot of different ways big ticket items
or regular household depends on how you're looking at it.
But the year over year number is good. And unfortunately,
I hate to break this news anybody. I don't think
(03:06):
we're ever going to go back to the pre COVID
inflation trend line. And we have a big jump up.
It got to like nine point one percent a couple
of years back, and then it kind of got pulled
back down and now it's kind of at that you know,
two and a half range. The Fed would like it
to be down to two percent.
Speaker 2 (03:23):
Okay.
Speaker 3 (03:23):
Yeah. And so speaking of the FED so recently in September,
and as we had predicted in the radio show many
times this year, Yeah, they did start cutting rates in September.
They made the first cut. We expect that they'll make
two more cuts this year before it's over. Oh really okay,
And I think they're going to make two cuts early
next year. The goal of guidance we're seeing is that
they're probably going to get their FED level rate, you know,
(03:46):
the overnight borrowing rate that at the federal level rate,
from a current about four to four and a quarter
depending on where you're looking at, down to about three
maybe a little bit over three. So we're looking at
probably another percent drop in the next six months. And
this is the funny thing about this, Steve, and I'm sorry,
I'm just kind of rambling on here, but the federal
reserves two big mandates are one keep employment solid, keep
(04:10):
people working, yeah, and the other one is not let
inflation run away. Well, if you look at those items only,
you can make an argument that they shouldn't the cut
rates at all because unemployment is already good and inflation
is not fixed. Yet it's it's okay, it's better than
it was, but still a bit high. So my concern
and fear what I'm watching for right now is it's
possible that their rate cuts could make inflation catch on fire. Again.
(04:33):
I don't think it will, but it's going to be
you know, wait and see, watch a monitor and be
careful what you're doing.
Speaker 2 (04:38):
M Yeah, that's.
Speaker 3 (04:41):
Wow.
Speaker 2 (04:42):
You just said a lot well, you know.
Speaker 3 (04:44):
And just kind of so kind of the interesting thing
about this is the stock market. So you've got the
tariffs going on right now, right and so you know,
depending on where President Trump is, you know, folks on
at the moment, it's headline news and it's either dooming
gloom or the sky's falling or as grays things in
slice bread. So there is a lawsuit in the Supreme
Court that we're going to hear back on the constitutionality
(05:07):
or legality of the tariffs. Are they done the right
way or not? And a lot of times what we've
seen happen with President Trump's administration is even if they
get challenged in the Supreme Court, a lot of times
the Supreme Court up holds it. But when they haven't upheld,
what's going on. Then they send it back to the administration.
Their lawyers will get a hold of it. They'll recraft it,
change the message up, fix whatever needs to be fixed,
(05:28):
send it back up there again, and then it usually
gets passed the second or third time through.
Speaker 2 (05:32):
So the tariffs will happen either now or after a
round or two of the stuff.
Speaker 3 (05:36):
Right, And we've already got some tariffs in place already. Yeah.
The fact is the Treasury is gaining some deposits from
the tariffs, and you know they're very needed. You know,
it's just been clunky getting it and you know, up
and going and getting all the deals done. But you
know it's going to the right. It's going to be done.
It's just a matter of you know, when it's all
going to be off the headline news.
Speaker 2 (05:57):
I guess exactly. And and oh gosh, so people don't
throw tomatoes, but I like the let's make it fair
for America approach, okay, And I don't see anything. I
don't see a darn thing wrong with that. So if
someone is having a tariff on us on our automobiles,
(06:18):
for example, of one hundred percent, and we're only tearifying
them twenty what if you're terrifying US one hundred. Why not,
we'll tear a few one hundred. We'll see if we
can lower both sides. I don't see anything wrong with it.
I just don't see it right.
Speaker 3 (06:29):
And in the long run, what should happen two three
years down the road, you should see a control of
pricing across the whole world if this works the way
that they envision that it could be. You know, the
interesting thing about this is that with high inflation and
things like that that have happened, we've seen some overheating
in certain sectors of the economy. Also, it's like in
the stock market, you know, the magnificent seven stocks, you know,
(06:52):
seven hottest biggest stocks are disproportionately bigger than usual piece
of the SB five hundred. They even ticked up to
forty percent in January, or thirty nine point six percent
in January this year. Normally that twenty percent is about
right there. And then if you expand it now I'm
calling it the Big ten. You can coin that and
put across the country. But yeah, the Big ten. So
(07:13):
now you've got your Big seven, you've got your alphabet,
your Amazon, Apple, Meta, Microsoft, and Vidia, Tesla. Let's throw
in Berkshire, Hathaway, Broadcom, JP Morgan. You know that big
basket of stocks.
Speaker 2 (07:25):
Yeah.
Speaker 3 (07:26):
Historically speaking, those top ten stocks account for about twenty
percent of the S and P five hundred market cap.
Get kind of walky here, Yeah, yeah, it's okay. Currently
those ten are forty percent. Oh, so you really got
to be careful what you're doing. Yeah. The market's great
and everything's fun, you know, sunshine and great, But I'll
tell you what, You got to be careful because when
you get that much over concentration a few stocks, that
(07:48):
can be a problem. Yeah, so we got to watch
out for it. And you have one or two of
those stocks and they're you have problems with those, it
could disproportionately affect the entire the entire S and P
five hut. Yeah, And you know, and and the thing
about it is that those stocks have led the chart.
So this year, year to date, we're over fourteen percent
year a date in the SAB five hundred. The bond market,
(08:09):
of course, has been you know, flip side of that.
Usually stocks are way up and bonds aren't so much.
But you know, the bond market index as you're looking
at you, we're from two point seven seven to low fives,
even a little bit higher five if you're not getting
into your high yield. So the overall market performance here
to date, it's been pretty strong. Market I don't think
will be that strong next year because at some point
these big stocks have got to kind of come back
(08:31):
to ground level or the earnings have to catch up
to that forward forecast on the price earnings ratio. And again,
I know I'm getting a little bit wonky there, but
you know, that's just some things that are just a
concern that we're keeping an eye on. We're rebounding, we're
just some things inside our portfolios to make sure we're
trying to be as insulated from that as possible without
not participating.
Speaker 2 (08:53):
That makes sense, and I love the details, So keep
up the wonky. So if you have a question for Bruce,
he knows what he's talking about, Folks. Senior wealth manager
and president of rally Wealth had benefits nine to one
three three zero eight zero two seven seven were toll
free eight eight eight two four one two three six'
(09:16):
one online at rallywb dot.
Speaker 3 (09:19):
Com, yeah thanks a. Lot DO i appreciate?
Speaker 2 (09:21):
That you bet all? Right and then some of the
key DRIVERS i think you had talked about your corporate
earnings and, uh some of these other tensions around the.
Speaker 3 (09:29):
World, yeah, absolutely so we have you, know, again you,
know it's one of those years where international, stocks emerging
market stocks have been out of favor for the last several.
Years well this year they're kind of catching. Up part
of that is the terrific concerns and we'll see where
it All land's at and that type of. Thing but,
yeah you've still got you, know wars and arguments about
ceasefires and all these different things going, on and any
(09:50):
type of these headline news items like that that are
not the fundamentals of the. Economy they can affect the
market and the short, term but the long, run it's
more about the, economy price earnings ratio on the stock,
market price to book values of, companies and price to
the sales and cash flows and things like. That so,
yeah there's a lot of headline news out, there but
in the bottom line is the economy is, strong all.
Speaker 2 (10:13):
Right AND i can't believe how much just like one
announcement in the stock market just does, this you, know
this huge reaction either plus or. Minus it's kind of,
crazy crazy. Times we're in right, now let's not forget
about The Senior Care Live question of the. WEEK i
am seventy and a half years. OLD i do not
have a required minimum distribution, yet BUT i can do
(10:35):
a qualified charitable distribution from MY i ARE. A is
this stay a true or? False what do you?
Speaker 1 (10:42):
Think you're listening To Senior Care live on The Senior
Care Broadcasting. Network for more, information visit Seniorcare live dot.
Speaker 3 (10:50):
Com we'll have more.
Speaker 2 (10:52):
With steve coming up.
Speaker 4 (10:53):
Next welcome.
Speaker 2 (11:06):
Back you're listening To Senior Care live on The Senior
Care Broadcasting. Network for more, information visit Seniorcare live dot.
Com now back to The Senior Care Live question of the.
WEEK i am seventy and a half years. OLD i
do not have a required minimum distribution, yet BUT i
(11:26):
can do a qualified charitable distribution from MY. Ira is
that statement true or? False and the answer is. True
the answer is. True And, bruce why is that statement?
Speaker 3 (11:45):
True, well first of, all it used to be coordinated
with your requirementium distribution, age and so for the longest,
time seventy and a half was the point that everybody
had to, start you, know paying some moving some of
the money out of THE. Ira to a non ira
or spending, it or the case, was goverment won some
of that tax, money and so there was a loophole
and still is that you could take some of your
(12:05):
money and directly move it to your charity non for
profit FIVE ah ONE c three as long as you
didn't touch, it then you don't pay taxes on it
because you didn't take, possession.
Speaker 2 (12:14):
Kind of a pass through and you avoid the taxes
that way.
Speaker 3 (12:17):
Exactly and your charity doesn't pay taxes because they are
a non for. Profit when so WHEN cod fast forward TO,
covid and so now they moved THE rmd up to seventy,
two but they didn't change the qualified charitable contribution. Age
and now if you're born before nineteen, sixty now YOUR
rmd is aged seventy. Three if you're born after nineteen,
(12:38):
sixty it's age seventy. Five but they still haven't changed
the age for the qualified charitable. Contribution so there we.
Speaker 2 (12:45):
Are if this is getting your, attention you're, like wait a,
MINUTE i was not aware of. That maybe you should
reach out To bruce for you, know maybe a second,
opinion maybe a free review of your portfolio and you,
know answer Questions, bruce can are you you would ask? Questions,
Bruce bruce has. Answers i'll tell you that senior Wealth
manager And president OF Rally wealth And benefits nine to
(13:08):
one three three zero eight zero two seven seven or
toll free eight eight eight two four one two three
six one online AT rallywb dot. Com And, bruce you
were talking about off mic before we jump back on
here about a year in planning, Reminder.
Speaker 3 (13:26):
Yeah, Right, Steve so it is that time that year
people need to be thinking about. That have we had
all of our required minimum distribution satisfied if we're of
age to do, That if we're planning out as a cheritble,
giving have we finished up that giving for the, year
or maybe we want to push it out and do
a bigger chunk In january and next. Year you know
it kind ofs of where your tax bracket is shaping
(13:47):
up for the, year and you want to kind of
get an idea where your taxes are going to land
at for twenty twenty. Five you know you've got your
final month or so two months to get your four
to ONE k fully contributed to to whatever level you
want or your iras a lot of times people may
have gotten a raised mid year and maybe they can
put a bit more into their four ONE k or
(14:07):
THE ira or whatever the case. Is but that's a
good time to kind of true it. Up that's WHAT i.
Say you, know we'll see how much you've done so,
far how much time is, left and maybe increase that
contribution if you need, to or if you've put in too.
Much maybe maybe you had that raised mid year and
now all of a sudden that percentage that you're putting
in is going to overfind. You you got to be
careful about that because you get that money kicked back
(14:28):
at you as an income item, oho and you know
it wasn't you, know you didn't get your taxes withheld
out of.
Speaker 2 (14:33):
It that defeated the tax benefit.
Speaker 3 (14:35):
Right on that on that, piece that could be a.
Problem and, anyway that's that's really the main. Thing and
we already kind of talked, about you, know the qualified chitrible,
deductions but just a few little high level items. THERE i,
mean there's a lot more sophisticated tax planning we can
do with folks and do some you, know tax loss
harvesting if they need, to or do some rough conversions
if they need. To things like, That but that's that's
(14:57):
more of one on one conversation with.
Speaker 2 (14:58):
Folks, sure, sure, Okay and so what are you doing
with rally wealth and benefits given you, know all of
the things that are going on in the, economy everything
you talked about previously in the first segment of the,
program how are you addressing that with your.
Speaker 3 (15:14):
Clients so that's a great, Question, Steve and we're very
proactive about rebalancing our portfolios and upgrading. Funds we're, appropriate you,
know whenever we build the, portfolio we're putting in very
best possible available fund in the space that needs to
be at and we want to make sure we're covering
all the. Bases think of it as a baseball. Team
you've got a left, fielder you got first base, catcher
(15:34):
you got all the different positions on. There you may
even have some off the bench pinch, hitters you might
have a specialty that's a base. Stealer and you've got your,
pitchers and you've got your. Bullpen so we want to
have all those positions, covered but we don't want to
just forget about. Them so we're always continually kind of
doing an all star reballoting to make sure that the
(15:55):
fund that the players on the field or the funds
in this case that we're using are as high equality as.
Possible and if they fall out that top like when
we place them in, there whoever's best available according to
we use like four different research, engines and then if
one of those is slipped out of that top, echelon
they don't have to be number one all the, time
but they need to be in the top. Range and
if they slipped out and they don't get back up
(16:16):
within a specified amount of, time we're going to replace
them our private wealth, portfolios or if it's in one
of our four to ONE k or four or THREE b,
plans we're gonna you, know talk through with the investment
committee and go through the whole process with them as.
Well SO i want to make sure we got really
good quality want to, Rebalance like this, year the mark's
been pretty. Hot, well it's very possible that if you're
a moderate risk, person which is roughly sixty percent in
(16:40):
the market and forty percent more in fixed, income, well
when the market's, hot and maybe you're now up to
seventy percent in the, market, well if the market pulls
back and drops, down which it will on, average of,
course twice a year on average ten percent or. More
pullbacks are. Normal then you may get frustrated as you
went off the cliff a little further than you realized you.
Were so your advisor should be rebalancing you and keeping
(17:03):
you at the appropriate risk. Level now more specific so
think about a clock on the. Wall you've got twelve
o'clock at the, top you've got six o'clock at the.
Bottom think of that as a market cycle in the stock.
Market so we've had three cycles the last five. Years
we've HAD covid a peak to a bottom to peak.
Again we had when the federal reserves are raising rates
and they shock the, market, stocks bonds all went down
(17:25):
without fifteen month period of. Time and then we had the,
terriff you, know flash, Trash i'll call it the. Spring
so when the market's, overheated WHICH i would say it
is right, now you're kind of at that twelve o'clock
or even, higher then it's time to be a little more.
Cautious you, Know i'm not going to get out of
the market because that could continue. On i've seen markets
(17:45):
that are a new record highs and just keep, running, running,
running and you don't want to be out of, it
but you want to be conscientious about what you have money.
In are you in these companies that are just high
flyers or are borrowing money right and left to, grow, grow,
grow haven't really put a dollar to the bar online?
Profit then is the time to probably get away from
those a little, bit put it more onto the dividends.
(18:05):
Side so we really right now like companies that have
raised dividends, consistently have a good. Yield love love some
of the investors we're using that have raised dividends every
year for at least ten years in a row or.
More those are, good solid balance sheet. Companies, typically you,
know it's not a guarantee of performance of the market going,
forward but If i'm at an overheated, MARKET i want
to be in really, good, solid high quality. COMPANIES i
(18:27):
don't want to get get out of the market By
we want to make good quality. Companies and then the flip. Side,
now if we go down to the bottom, again now
it's time maybe to get from dividends more over to
the growth side for the. Rebound is this going to
come back? Up? Yeah, Yeah And i'm not talking about
changing the high level how much you're in the. Market
i'm talking about tilting a little bit from growth to,
(18:48):
dividends and dividends back to growth a little. Bit just.
Shift minor shifts and nuances make a big difference when
you talking about the full market cycle on the investment.
Speaker 2 (18:56):
World if this is news to you and and you
haven't heard from your financial advisor for a long, Time
i'm and THAT'S i Just we're not trying to poach, Business,
okay But i'm JUST i just explained to like tens
of thousands of people across the, country reach out To Bruce.
Glenn i'm telling you he is an, expert a high
level expert at all of, this and he can help
(19:19):
you maybe take a second. Look he's a senior wealth
manager and president OF Rally wealth And benefits nine to
one three three zero eight zero two seven seven eight
eight eight two four one two three six one or
online AT rallywb dot. Com And, bruce thanks for much
for coming in. Today it always goes by so. Quickly
and always appreciate all the information you.
Speaker 3 (19:40):
Share, yeah thank you very, Much steve always enjoyed.
Speaker 2 (19:42):
It have more coming up.
Speaker 1 (19:43):
Next you're listening To Senior Care live on The Senior
Care Broadcasting. Network have a, question visits Seniorcare live dot.
Com stick. Around we'll have more With steve coming up.
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Speaker 2 (20:58):
Com welcome. Back you're listening To Senior Care live on
The Senior Care Broadcasting. Network for podcasts of the, program
go To Seniorcare live dot com or wherever you get your.
(21:18):
Podcasts all, Right, so shifting, GEARS i would like to
visit with my friend and special guest in, studio Mister David.
Wiley he's the president AND ceo Of Kansas City hospice
and pallady Of care And Bill. Reek he's been here
before And i'm glad he's here, Today associate director Of
Gift planning And david And bill welcome back To Senior Care.
(21:41):
Live Thanks, steve good to be here. Today all, right
thank you so. Much so we're kind of in the,
middle you, know towards the end of Estate Planning Awareness,
week AND i know your teams work with people in
all different stages of, readiness so this is a, really
really incredibly important. Subject tell us more about, That.
Speaker 5 (21:59):
David you, know we know that people often don't really
want to think about end of, life but you, know
estate planning gives you such peace of. Mind and by,
definition it encompasses the, growth, conservation and transfer of someone's
wealth through the creation and maintenance of an estate. Plan
and so really the whole purpose of a state planning
is to develop a strategy that maintains the financial security
(22:23):
of individuals through their lifetime and it ensures the intended
transfer of their property and assets at, death and while
taking into consideration the unique circumstances of the family and
potential cost of different. Methods so it's about making decisions
for yourself instead of having someone else make them for,
you WHICH i think is. Empowering and you, know it
(22:46):
takes care of, things particularly you, know when you don't
have a.
Speaker 2 (22:48):
Plan, okay all, right that sounds. Great And, bill tell
everyone about yourself and your role At Kansas City hospice
and pality of. Care it's really important to function that
you served.
Speaker 6 (23:01):
There, oh thank, You. STEVE i appreciate. That you, Know
i've been in fundraising for more than twenty, years it's
been about half of that. Time and what's called gift.
Planning WHAT i do at Trans City hospice is help
people make smart, tech smart current gifts and gifts through
their wills or their estates and bring awareness to the
importance of a state.
Speaker 2 (23:19):
Planning, okay all, right thank, you and and AGAIN i
appreciate you being here. Today it's so glad that we're
discussing A State Planning Awareness, week which is right Now
october the twentieth Through october the twenty. Sixth then help
us understand why this is so.
Speaker 6 (23:36):
Important, well let me start with a few. Statistics while
sixty four of a percent Of americans believe it is
important that they should have a, will only about thirty
two percent of adults actually have, one which is really, scary, Right.
Speaker 2 (23:49):
That's that's really.
Speaker 6 (23:50):
Scary and then for folks who do have a, will
many of the documents aren't up to. DATE A State
Planning Awareness week is about bringing to light the need for,
planning And i'm here to let you know it's much
much easier than most people.
Speaker 2 (24:03):
Think i'm going to have something to say about it, later,
so but you're, right just really eye opening. Statistics help
me understand the implications of not having a will in,
place and does anyone need to? Worry you?
Speaker 5 (24:18):
Know let me just say that we see this every
day in our, Business steve the end of one's, life
it's so important and it's. Sacred and to have families
that are mired in extra, worry extra, concern or consternation
because there is no plan in place for what happens
to their belongings or money or just the most basic.
(24:38):
Things it adds stress that no one in the family
really wants or needs to deal. With and, frankly we
see families who aren't caught up in these worries as
their loved ones are dying and it's much, often you, know,
frankly and easier road for.
Speaker 6 (24:52):
Them and that's the, point you. KNOW a valid will
and trust accomplishes several important. Goals, first it lays out
a clear plan for how your assets will be, distributed
regardless the amount of the assets you, hold and you'll
want to decide where your property goes instead of leaving
those decisions to the. Government, secondly it protects the people
(25:13):
and causes that matter most to you by providing for your,
spouse your, children and their, heirs really anyone that you,
want as well as your favorite. Charities and, finally it
gives you peace of mind knowing that your assets and
loved ones are taken care of no matter, what and
that you've saved them from the stress and costs of
court battles resulting from not having a plan in.
Speaker 2 (25:35):
Place, yeah because if you don't have a plan in place,
here you're going to court you're go into, probate and
it's really unnecessary in most, CIRCUMSTANCES i. Think so it
can feel like an overwhelming. Topic let me ask this simple, Question,
bill does does everyone really need a? Plan, Well i'll say.
Speaker 6 (25:56):
This everyone has an estate, plan whether they realize it or.
Speaker 2 (25:59):
Not, okay if you.
Speaker 6 (26:01):
Don't specify your wishes through a will or a, trust
the government's going to do it for. YOU a plan
means you've taken the time to make sure your treasures
like your bank, account your, car any family, heirlooms are
distributing the way you want, them and it could even
help save or minimize and avoid state costs state.
Speaker 2 (26:20):
Taxes, yep. Yep Absolutely, so anytime you can call your
own shots and not let the government do, it that's
a good. Thing absolutely, So, bill what's the number one
thing that everyone should have related to this?
Speaker 6 (26:34):
Topic, Well i'll give you the top. Three number one
a will or revocable living, trust an advanced health care
directive also known as a living, will and a durable
financial power of.
Speaker 2 (26:45):
Attorney all, right so tell us about.
Speaker 3 (26:46):
Those.
Speaker 6 (26:47):
Okay, Well i'm not an attorney or a tax, advisor
But i'm happy to give you a brief, overview.
Speaker 2 (26:51):
But you play one ON. TELL i do play one ON?
Speaker 3 (26:53):
Tv, YES i.
Speaker 6 (26:54):
DO i will specifies how assets will be distributed at
the time of your death and named an executor to
distribute your, assets can name guardian for your minor, children
care for your, pets and can handle other business affairs
to settle in a. STATE a will provides a guide
for your wishes to the probate. COURT a living a
(27:14):
vocal trust is similar to a, will except it can
also specify how your assets will be distributed during life
in case of incapacity or other scenarios that you define
the assets in a revocable living trust avoid. Probate that's
important minimizing expenses and, delays and it is often paired
with a will to account for any of those assets
(27:35):
that did not get titled into a trust. Now an
advanced healthcare directive addresses the decisions you've made regarding your, care, nutrition,
hydration and resuscitation at the end of. Life and, finally
the durable financial power of attorney is a notarized document
giving the agent you name the power to represent you
in financial and business affairs should you become incapacitated and
(27:59):
after your.
Speaker 2 (27:59):
Death, OKAY i can see how important these things. Are for.
Sure if a person has these three, items would you
consider their estate plan pretty much wrapped up in complete or.
Speaker 6 (28:11):
Nope, well these documents are extremely, important but they don't
cover every, scenario so you should carefully consider who you
select as your, executor your, trustee or personal. Representative what's
exciting is cant. Say hospice has partnered with a company
called Free will to offer anyone in the, community including your,
listeners the opportunity to easily create all of these legal.
(28:32):
Documents the tool.
Speaker 3 (28:34):
Is free to.
Speaker 6 (28:34):
Use it allows you to create a plan in the
comfort of your own. Home you can generally complete your
plan in just twenty to thirty, minutes and the final
legal document is fully customized to your. Wishes that, said
if you have a largest day or complex family, situation
you may want to use Free will to draft your
wishes before seeing an, attorney saving you time and money
(28:55):
in the. Process well that sounds very. Turnkey and what's
your best advice for people who are considering both how
to protect and care for their loved ones and also
how to leave a legacy of care for their. Community,
well you're, right it really is turnkey and while you're
creating these. Documents the Free will tool makes it easier
than ever to include gifts to nonprofits in your estate
(29:17):
plan and make a huge. Impact you can leave a
specific dollar, amount you can leave a percentage of your,
estate or make the charity a contingent beneficiary should you
have no longer any more living. Errors whether you choose
to make a gift to charity or, not it is
always free to use the Free Will.
Speaker 2 (29:34):
Tool, okay And i'll tell you what this. Is let
me just share with our. Listeners really long story, short
And i've shared this on the program before a. BIT
i had brain. Surgery it was at the end Of.
April it was a four to five five hour. Surgery
my surgeons are. SPECTACULAR i owed in my life they were.
(29:58):
Incredible here's the bottom line, Is david told me about
the Free will tool that is free, online AND i
MENTIONED i don't have anything in. PLACE i, said, WELL i,
do but it's very, vanilla one. Page IT'S i don't
think it's worth much of. Anything maybe better than, something
but not. Much and so before all of the surgery and,
(30:21):
EVERYTHING i logged onto your website AND i went to
Free will it's exactly what you just. Said in about
twenty to thirty, MINUTES i was. Done it was completely custom.
TAILORED i spoke my, MIND i want this, DONE i
don't want this, done and my wife could take care of,
everything and it was all laid. Out we, went we
got it, notarized and, BOOM i have those documents in,
(30:42):
hand AND i had so much peace of. Mind And
i'm not exaggerating.
Speaker 3 (30:45):
THAT i used.
Speaker 2 (30:47):
It it was fantastic AND i want to thank you for.
Speaker 3 (30:49):
That that's.
Speaker 6 (30:50):
Wonderful the peace of mind it, PROVIDES i think is
one of the most important.
Speaker 2 (30:53):
Things, yeah and my wife was happy about that, too so, because,
FRANKLY i mean what we had up with just Not
we just didn't have much in. Place super. Vanilla go
to sell a house or transact any sizeable financial document
with a one pager that SAYS i so and so
allow you so and so to do whatever you want
(31:13):
with the, money and they're going to laugh you out
of the. Building you need something more specific And annie, Again,
eddie you have a, plan whether you know it or.
Not that's the government that's going to basically tell you
what it. Is take control and you can do that
through the tool free will At cacyhospice dot. Org now
The Senior Care Live question of the week estate planning
(31:36):
is only for the? Wealthy is that statement true or?
False what do you?
Speaker 1 (31:41):
Think you're listening To Senior Care live on The Senior
Care Broadcasting. Network to Contact steve or a guest on his,
show this Is Seniorcare live dot.
Speaker 2 (31:51):
Com we'll have more coming. Up, hello this Is Steve,
Keeker president Of Senior Care. Consulting i'm so excited to
announce that we are expanding nationwide by Awarding Senior Care consulting.
(32:12):
Franchises we help our clients find the right senior care,
community including assistant, living memory, care long term, care and
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the mill free referral. Service we're very. Different we offer
replacement service with. Integrity owning a senior care consulting franchise
(32:32):
offers many. Benefits our market is not affected by the.
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Balance pour your passion into a business you can be proud.
Of for more information about owning a senior care consulting,
franchise call eight three three seven two two three seven two,
six eight three three seven two two three seven two,
(32:56):
six or Visit seniorcareconsulting dot. Com welcome, back you'll listening
To Senior Care live on The Senior Care Broadcasting. Network
have a, question Visit Seniorcare live dot. Com all, right
(33:18):
back to the Bonus Senior Care. Live question of the.
Week estate planning is only for the? Wealthy is that
statement true or? False and the answer is? False the
answer is? False And, bill why is that statement?
Speaker 6 (33:36):
False, well, really you, know estate planning is for all of.
Us we can use free estate planning tools such as
free will to ensure that any assets we do have
are distributed the way we, wish our loved ones are
protected and cared, for and we leave a meaningful legacy
behind regardless of the amount of wealth that we've accumulated
during our.
Speaker 2 (33:55):
Lifetime, okay, right, excellent, Excellent so thanks for clarifying. That
if you'd like to reach out To Kansas City hospice
And paality Of care if you have a question about.
This if you're, like you're, like wait a, minute, wait
you talk about that tools called free. Will how do
we learn more about that or maybe even access? It
eight one, six three six three two six zero zero
(34:17):
or online at Kc hospice dot. Org and before the
break we talked With bill about estate plans and are
there any other considerations for people when making an estate?
Speaker 6 (34:29):
Plan, Bill, well you, know as important as documents, are
really having meaningful conversations about your wishes once your plans
in place is really just as. Important talk to your
loved ones about your plans and share your intentions with
any and IF i can, ask share your intentions with
any charities you. Have that's important for us to know as,
(34:49):
well so we can say thank.
Speaker 3 (34:50):
You.
Speaker 6 (34:51):
Absolutely you, KNOW i love the partnership we have with our.
Donors it's truly one of the best parts of my,
job just making sure we continue to meet the intent
that the donor has and helping people who want to
make a difference in the.
Speaker 2 (35:02):
World, okay And, David sometimes when we talk about nonprofit,
donors people may think, that, well only the large donations
make a, difference and of course they. Do but if
someone can only give let's say ten or twenty dollars a,
month will they still have an impact On Kansas City.
Speaker 5 (35:22):
Houspice, Absolutely, STEVE i mean we could not do what
we do every day without our. Donors and you, know
ten dollars a month adds up to over one hundred
dollars a year that could buy groceries for a, family
or could help make a birthday or a holiday special
for one of our. Patients you, know ten donors who
give ten dollars a month becomes more than one thousand
dollars a year that can help provide care for a
(35:43):
person without resources to. Pay in, fact we're seeing a
large uptip in uncompensated, care which is really part of our.
Mission so our donors help us be able to help
anyone in the, community regardless of their. Resources it also
makes a difference for our community and our patients and
families that are served By Kansas City hospice because every
dollar stays right here In Kansas. City and it's also
(36:05):
important to know that that most of, us you, know
we won't make large, gifts but we still have the
opportunity to make a difference for a nonprofit whose mission
is close to our heart and also ensure that our
loved ones are protected and cared.
Speaker 2 (36:18):
For and, absolutely what are some ways that you've seen
donors make a difference for, Families, David.
Speaker 5 (36:23):
You, know seeing how much people want to help others
is frankly very inspiring to. Me you, know we have
had donors who've ensured that we're able to meet the
great need for assistance for our home care, patients providing,
food housing, assistants cleaning, supplies you, know even holiday stockings for,
seniors which is really coming up. Soon so you, know
(36:45):
others who have helped meet that increased need for specialized
grief support and mental health services is. Important it's also
important to remember that estate planning often involves multiple. Steps
SO i just want to reiterate to folks to you,
know draft the documents for your, plan like we talked,
about share what you want to, accomplish review that plan,
regularly and then of course amend it as necessary because
(37:08):
changes happen and that's critically.
Speaker 2 (37:09):
Important And, bill you're pretty involved with free will AND
i think you are pretty instrumental in getting that that
RELATIONSHIP i guess in place and have this excellent tool in.
Place how do you feel about? That and are people
using it and seeing the benefit of?
Speaker 6 (37:26):
That, Absolutely so we do see about two to three
users a month coming to create a. Plan you, know
there is some time involved in. That so but we
think that's wonderful and we are actually seeing some. Gifts
we've had over fifteen gifts that have come in through
the Free Will, tool which helps our mission and helps
us to ensure that we're able to continue to help
(37:48):
The Cansas city area with quality hospice care and really
provide people with dignity at the end of.
Speaker 2 (37:55):
Life, excellent, excellent and off my kind of in between
between the, Segment, david you mentioned you've seen this gone
gone bad kind of goes the other way when you
don't have these documents in.
Speaker 5 (38:08):
Place, yeah you, KNOW i think the point about just
when you have your plan established and reviewing, it you,
know sometimes life. Happens changes. Happen we people get, divorced
so they separate or they go different, ways and so
it's difficult when somebody dies and their updated wishes haven't
been you, know, documented and so it really just causes
(38:30):
problems and a lot of strife for. Family so just
keep up with.
Speaker 6 (38:34):
It, WELL i will say. Too one thing is that's
great about the Free will tool is once you have
created your, documents once you have created your, plan it's
so easy to go in and update that. Plan AND
i don't know if you, know whenever you have a
paper will and you've gone to a, lawyer every time
you go, back you know it's another thousand.
Speaker 2 (38:51):
Dollars it's, expensive yet it is it can.
Speaker 6 (38:53):
Be and so this is once you've created that plan
through free, will you can go back in and update
it as often as you. Like you can updated once
a week if you. Want YOU i don't know why
you want, to but you certainly.
Speaker 4 (39:03):
Can't.
Speaker 2 (39:03):
Yeah, Yeah so if my wife runs off with the pool,
BOY i need to update my absolutely, nice absolutely all,
Right so please remind us of where our listeners can
find more information about state, planning and then where they
can check out that free will, tool.
Speaker 6 (39:21):
So they can go To Kansas City hospice dot org
forward slash. Legacy i'll give you more information about free
will or ways to just get in touch with, me
And i'm happy to discuss really any opportunity that you
are interested in learning more about state planning or about
making a gift to Kan City. Hospice call me from more.
Information my phone number is eight one six two seven
(39:44):
six two six zero.
Speaker 2 (39:46):
Six where you could log on, online just get on
the on the. Website it is a, loaded fantastic. Website
that's HOW i accessed free. Will it was just Through
Casey hospice dot org and you can do. That SO
i would be remiss if didn't Mention Sunday Night. Live
AND i am so sorry THAT i was out of.
Town it was our anniversary and we were out of.
(40:08):
Town SO i told my, wife we're gonna we're scheduling
that Around Sunday Night live from now on BECAUSE i
love that. Event but that's your premiere annual fundraising, event
and it looks like it was super. Successful you know.
What we had a great.
Speaker 5 (40:20):
Evening it's one of my favorite nights of the, year
the first, weekend First sunday In, october and uh, yeah
we had just about six hundred, guests uh came together
for a few hours and we celebrated not only the
amazing work we, do but a lot of their loved,
ones WHICH i love to. Do so we had a
really good, time and we just appreciate the community supporting
us and all of our donors and. Supporters so thanks for, Asking. Steve.
Speaker 2 (40:43):
Yeah, Absolutely and just to, reiterate so if someone makes a,
donation or Attends Sunday Night, live or or participates in
any other fundraising, activity throughout the year Through Kansas City.
Hospice first of, all here this hearing me very. Clearly
this month stays in our community and helps families and
individuals in our. COMMUNITY i think that's really really. Important
(41:07):
And Kansas City hospice And paality Of care forty five. Years,
Yeah november, third we're celebrating our forty fifth. Anniversary forty
fifth anniversary coming right. Up and it's a nonprofit, organization
so they're able to because of your generous, donations they're
able to help people who are not able to. Pay,
okay so super. Important that helps them meet their. Missions,
(41:28):
So david And, bill thank you so much for being here.
TODAY i really appreciate. YOU i love it every time
you come. In so thank.
Speaker 5 (41:35):
You Thanks, steve good to be here.
Speaker 2 (41:36):
Today all, Right I'm Steve, keeker AND i wish you
grace and. Peace May god bless you and your family
on this day and always join me next. Week right
here On Senior Care.
Speaker 7 (41:48):
Live does your business serve the elderly and their caregivers
in our? Area there are hundreds of thousands of people
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(42:11):
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(42:34):
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Speaker 2 (42:50):
Com quid pro quo A latin phrase that means an
exchange of goods or services where one transfer is contingent
upon the. Other here's an. Example i'll recommend your senior
care community if you'll pay me a huge kickback from my.
Referral the free referral services have a vested interest in
(43:10):
you choosing one of their business. Partners that's how they
make their. Money does this paid recommendation sound objective or?
Credible of course. Not I'm Steve keeker With Senior Care.
Consulting i'm so proud to say we have never received
a single penny from any. Provider. Ever we offer a
placement service with integrity for help finding the right senior care,
(43:33):
community without conflict of interest and without the quid pro
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hundred nine one three nine four five twenty eight Hundred
replacement service with integrity At Seniorcare consulting dot. Com
Are you caring for an aging loved one? Are you
a senior searching for answers? Welcome to Senior Care Live,
a program dedicated to you, providing information, education, and resources
for seniors and their caregivers. And now America's senior care consultant,
Steve Keecker.
Speaker 2 (00:23):
Hello, and welcome to Senior Care Live. I'm Steve Keeker.
You're a senior care consultant and I really appreciate you
tuning in today. We have an excellent program for you
today with my friend and special guest in Studio Live.
He's mister Bruce Glenn, the Senior Wealth Manager and President
of Rally Wealth and Benefits. And Bruce, welcome back to
(00:44):
Senior Care Live.
Speaker 3 (00:45):
Thanks Steve. Always good to be here with you.
Speaker 2 (00:47):
All right, and how about those chiefs.
Speaker 3 (00:49):
Let's go chiefs.
Speaker 2 (00:50):
He Hello, I think we finally woke up a little bit.
Speaker 3 (00:57):
Well, getting our best receivers back in Eli Rushy Rice
this week, but Xavier Worthy a couple of weeks ago. Yeah,
it's hard to stop two of the fastest, best quickest
receivers in the league.
Speaker 2 (01:07):
And then you throw a little Hollywood Brown and l
and Thornton and Kelsey, Yeah, and Juju Smith Shus Jeff.
Speaker 3 (01:14):
I mean those last minute to save your catches once
in a while.
Speaker 2 (01:18):
Yeah, And if you're a defense who are you going
to guard?
Speaker 3 (01:20):
I feel sorry for the defenses.
Speaker 2 (01:24):
I feel sorry for him just a little bit. All right, Bruce,
what it really is great to have you back in
the studio and uh and for our listeners, and take
this number down if you want to reach out to
Bruce Glynn the excellent team at rally Wealth and Benefits
nine to one three three zero eight zero two seven
seven or toll free eight eight eight two four one
(01:45):
two three six one online at rallywb dot com. And Bruce,
let's talk about the current state of the economy. And
I'll tell you what. I hate it that this sometimes
many times becomes I think a little bit politicized. So
depending on who you're hearing, it's the greatest thing that's
ever happened in the history of the world, and then
(02:05):
some other folks say it's the worst thing. This guy's
following we're all going to die so well, So thank
you for bringing some clarity to this really important subject
because I think it's pretty filtered out there depending on
who's delivering the news.
Speaker 3 (02:21):
Yeah, absolutely, it really is. It's unfortunate because the news'
job is to have viewership, and the only way to
get good viewership is they have to be shock jockeysh
because if it's all rainbow sunshine and puppy dogs, they're
going to tune out, right, Yeah anyway, So yeah, absolutely.
So the economy overall is good. And here's some key indicators.
So unemployment is still in that four percent range. Historically speaking,
(02:44):
full employment is considered to be a six percent, so
we're still down in the four percent range. Inflation is
still a little bit sticky, but it's in that year
over year number of around the mid twos. And inflation
has measured a lot of different ways big ticket items
or regular household depends on how you're looking at it.
But the year over year number is good. And unfortunately,
I hate to break this news anybody. I don't think
(03:06):
we're ever going to go back to the pre COVID
inflation trend line. And we have a big jump up.
It got to like nine point one percent a couple
of years back, and then it kind of got pulled
back down and now it's kind of at that you know,
two and a half range. The Fed would like it
to be down to two percent.
Speaker 2 (03:23):
Okay.
Speaker 3 (03:23):
Yeah. And so speaking of the FED so recently in September,
and as we had predicted in the radio show many
times this year, Yeah, they did start cutting rates in September.
They made the first cut. We expect that they'll make
two more cuts this year before it's over. Oh really okay,
And I think they're going to make two cuts early
next year. The goal of guidance we're seeing is that
they're probably going to get their FED level rate, you know,
(03:46):
the overnight borrowing rate that at the federal level rate,
from a current about four to four and a quarter
depending on where you're looking at, down to about three
maybe a little bit over three. So we're looking at
probably another percent drop in the next six months. And
this is the funny thing about this, Steve, and I'm sorry,
I'm just kind of rambling on here, but the federal
reserves two big mandates are one keep employment solid, keep
(04:10):
people working, yeah, and the other one is not let
inflation run away. Well, if you look at those items only,
you can make an argument that they shouldn't the cut
rates at all because unemployment is already good and inflation
is not fixed. Yet it's it's okay, it's better than
it was, but still a bit high. So my concern
and fear what I'm watching for right now is it's
possible that their rate cuts could make inflation catch on fire. Again.
(04:33):
I don't think it will, but it's going to be
you know, wait and see, watch a monitor and be
careful what you're doing.
Speaker 2 (04:38):
M Yeah, that's.
Speaker 3 (04:41):
Wow.
Speaker 2 (04:42):
You just said a lot well, you know.
Speaker 3 (04:44):
And just kind of so kind of the interesting thing
about this is the stock market. So you've got the
tariffs going on right now, right and so you know,
depending on where President Trump is, you know, folks on
at the moment, it's headline news and it's either dooming
gloom or the sky's falling or as grays things in
slice bread. So there is a lawsuit in the Supreme
Court that we're going to hear back on the constitutionality
(05:07):
or legality of the tariffs. Are they done the right
way or not? And a lot of times what we've
seen happen with President Trump's administration is even if they
get challenged in the Supreme Court, a lot of times
the Supreme Court up holds it. But when they haven't upheld,
what's going on. Then they send it back to the administration.
Their lawyers will get a hold of it. They'll recraft it,
change the message up, fix whatever needs to be fixed,
(05:28):
send it back up there again, and then it usually
gets passed the second or third time through.
Speaker 2 (05:32):
So the tariffs will happen either now or after a
round or two of the stuff.
Speaker 3 (05:36):
Right, And we've already got some tariffs in place already. Yeah.
The fact is the Treasury is gaining some deposits from
the tariffs, and you know they're very needed. You know,
it's just been clunky getting it and you know, up
and going and getting all the deals done. But you
know it's going to the right. It's going to be done.
It's just a matter of you know, when it's all
going to be off the headline news.
Speaker 2 (05:57):
I guess exactly. And and oh gosh, so people don't
throw tomatoes, but I like the let's make it fair
for America approach, okay, And I don't see anything. I
don't see a darn thing wrong with that. So if
someone is having a tariff on us on our automobiles,
(06:18):
for example, of one hundred percent, and we're only tearifying
them twenty what if you're terrifying US one hundred. Why not,
we'll tear a few one hundred. We'll see if we
can lower both sides. I don't see anything wrong with it.
I just don't see it right.
Speaker 3 (06:29):
And in the long run, what should happen two three
years down the road, you should see a control of
pricing across the whole world if this works the way
that they envision that it could be. You know, the
interesting thing about this is that with high inflation and
things like that that have happened, we've seen some overheating
in certain sectors of the economy. Also, it's like in
the stock market, you know, the magnificent seven stocks, you know,
(06:52):
seven hottest biggest stocks are disproportionately bigger than usual piece
of the SB five hundred. They even ticked up to
forty percent in January, or thirty nine point six percent
in January this year. Normally that twenty percent is about
right there. And then if you expand it now I'm
calling it the Big ten. You can coin that and
put across the country. But yeah, the Big ten. So
(07:13):
now you've got your Big seven, you've got your alphabet,
your Amazon, Apple, Meta, Microsoft, and Vidia, Tesla. Let's throw
in Berkshire, Hathaway, Broadcom, JP Morgan. You know that big
basket of stocks.
Speaker 2 (07:25):
Yeah.
Speaker 3 (07:26):
Historically speaking, those top ten stocks account for about twenty
percent of the S and P five hundred market cap.
Get kind of walky here, Yeah, yeah, it's okay. Currently
those ten are forty percent. Oh, so you really got
to be careful what you're doing. Yeah. The market's great
and everything's fun, you know, sunshine and great, But I'll
tell you what, You got to be careful because when
you get that much over concentration a few stocks, that
(07:48):
can be a problem. Yeah, so we got to watch
out for it. And you have one or two of
those stocks and they're you have problems with those, it
could disproportionately affect the entire the entire S and P
five hut. Yeah, And you know, and and the thing
about it is that those stocks have led the chart.
So this year, year to date, we're over fourteen percent
year a date in the SAB five hundred. The bond market,
(08:09):
of course, has been you know, flip side of that.
Usually stocks are way up and bonds aren't so much.
But you know, the bond market index as you're looking
at you, we're from two point seven seven to low fives,
even a little bit higher five if you're not getting
into your high yield. So the overall market performance here
to date, it's been pretty strong. Market I don't think
will be that strong next year because at some point
these big stocks have got to kind of come back
(08:31):
to ground level or the earnings have to catch up
to that forward forecast on the price earnings ratio. And again,
I know I'm getting a little bit wonky there, but
you know, that's just some things that are just a
concern that we're keeping an eye on. We're rebounding, we're
just some things inside our portfolios to make sure we're
trying to be as insulated from that as possible without
not participating.
Speaker 2 (08:53):
That makes sense, and I love the details, So keep
up the wonky. So if you have a question for Bruce,
he knows what he's talking about, Folks. Senior wealth manager
and president of rally Wealth had benefits nine to one
three three zero eight zero two seven seven were toll
free eight eight eight two four one two three six'
(09:16):
one online at rallywb dot.
Speaker 3 (09:19):
Com, yeah thanks a. Lot DO i appreciate?
Speaker 2 (09:21):
That you bet all? Right and then some of the
key DRIVERS i think you had talked about your corporate
earnings and, uh some of these other tensions around the.
Speaker 3 (09:29):
World, yeah, absolutely so we have you, know, again you,
know it's one of those years where international, stocks emerging
market stocks have been out of favor for the last several.
Years well this year they're kind of catching. Up part
of that is the terrific concerns and we'll see where
it All land's at and that type of. Thing but,
yeah you've still got you, know wars and arguments about
ceasefires and all these different things going, on and any
(09:50):
type of these headline news items like that that are
not the fundamentals of the. Economy they can affect the
market and the short, term but the long, run it's
more about the, economy price earnings ratio on the stock,
market price to book values of, companies and price to
the sales and cash flows and things like. That so,
yeah there's a lot of headline news out, there but
in the bottom line is the economy is, strong all.
Speaker 2 (10:13):
Right AND i can't believe how much just like one
announcement in the stock market just does, this you, know
this huge reaction either plus or. Minus it's kind of,
crazy crazy. Times we're in right, now let's not forget
about The Senior Care Live question of the. WEEK i
am seventy and a half years. OLD i do not
have a required minimum distribution, yet BUT i can do
(10:35):
a qualified charitable distribution from MY i ARE. A is
this stay a true or? False what do you?
Speaker 1 (10:42):
Think you're listening To Senior Care live on The Senior
Care Broadcasting. Network for more, information visit Seniorcare live dot.
Speaker 3 (10:50):
Com we'll have more.
Speaker 2 (10:52):
With steve coming up.
Speaker 4 (10:53):
Next welcome.
Speaker 2 (11:06):
Back you're listening To Senior Care live on The Senior
Care Broadcasting. Network for more, information visit Seniorcare live dot.
Com now back to The Senior Care Live question of the.
WEEK i am seventy and a half years. OLD i
do not have a required minimum distribution, yet BUT i
(11:26):
can do a qualified charitable distribution from MY. Ira is
that statement true or? False and the answer is. True
the answer is. True And, bruce why is that statement?
Speaker 3 (11:45):
True, well first of, all it used to be coordinated
with your requirementium distribution, age and so for the longest,
time seventy and a half was the point that everybody
had to, start you, know paying some moving some of
the money out of THE. Ira to a non ira
or spending, it or the case, was goverment won some
of that tax, money and so there was a loophole
and still is that you could take some of your
(12:05):
money and directly move it to your charity non for
profit FIVE ah ONE c three as long as you
didn't touch, it then you don't pay taxes on it
because you didn't take, possession.
Speaker 2 (12:14):
Kind of a pass through and you avoid the taxes
that way.
Speaker 3 (12:17):
Exactly and your charity doesn't pay taxes because they are
a non for. Profit when so WHEN cod fast forward TO,
covid and so now they moved THE rmd up to seventy,
two but they didn't change the qualified charitable contribution. Age
and now if you're born before nineteen, sixty now YOUR
rmd is aged seventy. Three if you're born after nineteen,
(12:38):
sixty it's age seventy. Five but they still haven't changed
the age for the qualified charitable. Contribution so there we.
Speaker 2 (12:45):
Are if this is getting your, attention you're, like wait a,
MINUTE i was not aware of. That maybe you should
reach out To bruce for you, know maybe a second,
opinion maybe a free review of your portfolio and you,
know answer Questions, bruce can are you you would ask? Questions,
Bruce bruce has. Answers i'll tell you that senior Wealth
manager And president OF Rally wealth And benefits nine to
(13:08):
one three three zero eight zero two seven seven or
toll free eight eight eight two four one two three
six one online AT rallywb dot. Com And, bruce you
were talking about off mic before we jump back on
here about a year in planning, Reminder.
Speaker 3 (13:26):
Yeah, Right, Steve so it is that time that year
people need to be thinking about. That have we had
all of our required minimum distribution satisfied if we're of
age to do, That if we're planning out as a cheritble,
giving have we finished up that giving for the, year
or maybe we want to push it out and do
a bigger chunk In january and next. Year you know
it kind ofs of where your tax bracket is shaping
(13:47):
up for the, year and you want to kind of
get an idea where your taxes are going to land
at for twenty twenty. Five you know you've got your
final month or so two months to get your four
to ONE k fully contributed to to whatever level you
want or your iras a lot of times people may
have gotten a raised mid year and maybe they can
put a bit more into their four ONE k or
(14:07):
THE ira or whatever the case. Is but that's a
good time to kind of true it. Up that's WHAT i.
Say you, know we'll see how much you've done so,
far how much time is, left and maybe increase that
contribution if you need, to or if you've put in too.
Much maybe maybe you had that raised mid year and
now all of a sudden that percentage that you're putting
in is going to overfind. You you got to be
careful about that because you get that money kicked back
(14:28):
at you as an income item, oho and you know
it wasn't you, know you didn't get your taxes withheld
out of.
Speaker 2 (14:33):
It that defeated the tax benefit.
Speaker 3 (14:35):
Right on that on that, piece that could be a.
Problem and, anyway that's that's really the main. Thing and
we already kind of talked, about you, know the qualified chitrible,
deductions but just a few little high level items. THERE i,
mean there's a lot more sophisticated tax planning we can
do with folks and do some you, know tax loss
harvesting if they need, to or do some rough conversions
if they need. To things like, That but that's that's
(14:57):
more of one on one conversation with.
Speaker 2 (14:58):
Folks, sure, sure, Okay and so what are you doing
with rally wealth and benefits given you, know all of
the things that are going on in the, economy everything
you talked about previously in the first segment of the,
program how are you addressing that with your.
Speaker 3 (15:14):
Clients so that's a great, Question, Steve and we're very
proactive about rebalancing our portfolios and upgrading. Funds we're, appropriate you,
know whenever we build the, portfolio we're putting in very
best possible available fund in the space that needs to
be at and we want to make sure we're covering
all the. Bases think of it as a baseball. Team
you've got a left, fielder you got first base, catcher
(15:34):
you got all the different positions on. There you may
even have some off the bench pinch, hitters you might
have a specialty that's a base. Stealer and you've got your,
pitchers and you've got your. Bullpen so we want to
have all those positions, covered but we don't want to
just forget about. Them so we're always continually kind of
doing an all star reballoting to make sure that the
(15:55):
fund that the players on the field or the funds
in this case that we're using are as high equality as.
Possible and if they fall out that top like when
we place them in, there whoever's best available according to
we use like four different research, engines and then if
one of those is slipped out of that top, echelon
they don't have to be number one all the, time
but they need to be in the top. Range and
if they slipped out and they don't get back up
(16:16):
within a specified amount of, time we're going to replace
them our private wealth, portfolios or if it's in one
of our four to ONE k or four or THREE b,
plans we're gonna you, know talk through with the investment
committee and go through the whole process with them as.
Well SO i want to make sure we got really
good quality want to, Rebalance like this, year the mark's
been pretty. Hot, well it's very possible that if you're
a moderate risk, person which is roughly sixty percent in
(16:40):
the market and forty percent more in fixed, income, well
when the market's, hot and maybe you're now up to
seventy percent in the, market, well if the market pulls
back and drops, down which it will on, average of,
course twice a year on average ten percent or. More
pullbacks are. Normal then you may get frustrated as you
went off the cliff a little further than you realized you.
Were so your advisor should be rebalancing you and keeping
(17:03):
you at the appropriate risk. Level now more specific so
think about a clock on the. Wall you've got twelve
o'clock at the, top you've got six o'clock at the.
Bottom think of that as a market cycle in the stock.
Market so we've had three cycles the last five. Years
we've HAD covid a peak to a bottom to peak.
Again we had when the federal reserves are raising rates
and they shock the, market, stocks bonds all went down
(17:25):
without fifteen month period of. Time and then we had the,
terriff you, know flash, Trash i'll call it the. Spring
so when the market's, overheated WHICH i would say it
is right, now you're kind of at that twelve o'clock
or even, higher then it's time to be a little more.
Cautious you, Know i'm not going to get out of
the market because that could continue. On i've seen markets
(17:45):
that are a new record highs and just keep, running, running,
running and you don't want to be out of, it
but you want to be conscientious about what you have money.
In are you in these companies that are just high
flyers or are borrowing money right and left to, grow, grow,
grow haven't really put a dollar to the bar online?
Profit then is the time to probably get away from
those a little, bit put it more onto the dividends.
(18:05):
Side so we really right now like companies that have
raised dividends, consistently have a good. Yield love love some
of the investors we're using that have raised dividends every
year for at least ten years in a row or.
More those are, good solid balance sheet. Companies, typically you,
know it's not a guarantee of performance of the market going,
forward but If i'm at an overheated, MARKET i want
to be in really, good, solid high quality. COMPANIES i
(18:27):
don't want to get get out of the market By
we want to make good quality. Companies and then the flip. Side,
now if we go down to the bottom, again now
it's time maybe to get from dividends more over to
the growth side for the. Rebound is this going to
come back? Up? Yeah, Yeah And i'm not talking about
changing the high level how much you're in the. Market
i'm talking about tilting a little bit from growth to,
(18:48):
dividends and dividends back to growth a little. Bit just.
Shift minor shifts and nuances make a big difference when
you talking about the full market cycle on the investment.
Speaker 2 (18:56):
World if this is news to you and and you
haven't heard from your financial advisor for a long, Time
i'm and THAT'S i Just we're not trying to poach, Business,
okay But i'm JUST i just explained to like tens
of thousands of people across the, country reach out To Bruce.
Glenn i'm telling you he is an, expert a high
level expert at all of, this and he can help
(19:19):
you maybe take a second. Look he's a senior wealth
manager and president OF Rally wealth And benefits nine to
one three three zero eight zero two seven seven eight
eight eight two four one two three six one or
online AT rallywb dot. Com And, bruce thanks for much
for coming in. Today it always goes by so. Quickly
and always appreciate all the information you.
Speaker 3 (19:40):
Share, yeah thank you very, Much steve always enjoyed.
Speaker 2 (19:42):
It have more coming up.
Speaker 1 (19:43):
Next you're listening To Senior Care live on The Senior
Care Broadcasting. Network have a, question visits Seniorcare live dot.
Com stick. Around we'll have more With steve coming up.
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Speaker 2 (20:58):
Com welcome. Back you're listening To Senior Care live on
The Senior Care Broadcasting. Network for podcasts of the, program
go To Seniorcare live dot com or wherever you get your.
(21:18):
Podcasts all, Right, so shifting, GEARS i would like to
visit with my friend and special guest in, studio Mister David.
Wiley he's the president AND ceo Of Kansas City hospice
and pallady Of care And Bill. Reek he's been here
before And i'm glad he's here, Today associate director Of
Gift planning And david And bill welcome back To Senior Care.
(21:41):
Live Thanks, steve good to be here. Today all, right
thank you so. Much so we're kind of in the,
middle you, know towards the end of Estate Planning Awareness,
week AND i know your teams work with people in
all different stages of, readiness so this is a, really
really incredibly important. Subject tell us more about, That.
Speaker 5 (21:59):
David you, know we know that people often don't really
want to think about end of, life but you, know
estate planning gives you such peace of. Mind and by,
definition it encompasses the, growth, conservation and transfer of someone's
wealth through the creation and maintenance of an estate. Plan
and so really the whole purpose of a state planning
is to develop a strategy that maintains the financial security
(22:23):
of individuals through their lifetime and it ensures the intended
transfer of their property and assets at, death and while
taking into consideration the unique circumstances of the family and
potential cost of different. Methods so it's about making decisions
for yourself instead of having someone else make them for,
you WHICH i think is. Empowering and you, know it
(22:46):
takes care of, things particularly you, know when you don't
have a.
Speaker 2 (22:48):
Plan, okay all, right that sounds. Great And, bill tell
everyone about yourself and your role At Kansas City hospice
and pality of. Care it's really important to function that
you served.
Speaker 6 (23:01):
There, oh thank, You. STEVE i appreciate. That you, Know
i've been in fundraising for more than twenty, years it's
been about half of that. Time and what's called gift.
Planning WHAT i do at Trans City hospice is help
people make smart, tech smart current gifts and gifts through
their wills or their estates and bring awareness to the
importance of a state.
Speaker 2 (23:19):
Planning, okay all, right thank, you and and AGAIN i
appreciate you being here. Today it's so glad that we're
discussing A State Planning Awareness, week which is right Now
october the twentieth Through october the twenty. Sixth then help
us understand why this is so.
Speaker 6 (23:36):
Important, well let me start with a few. Statistics while
sixty four of a percent Of americans believe it is
important that they should have a, will only about thirty
two percent of adults actually have, one which is really, scary, Right.
Speaker 2 (23:49):
That's that's really.
Speaker 6 (23:50):
Scary and then for folks who do have a, will
many of the documents aren't up to. DATE A State
Planning Awareness week is about bringing to light the need for,
planning And i'm here to let you know it's much
much easier than most people.
Speaker 2 (24:03):
Think i'm going to have something to say about it, later,
so but you're, right just really eye opening. Statistics help
me understand the implications of not having a will in,
place and does anyone need to? Worry you?
Speaker 5 (24:18):
Know let me just say that we see this every
day in our, Business steve the end of one's, life
it's so important and it's. Sacred and to have families
that are mired in extra, worry extra, concern or consternation
because there is no plan in place for what happens
to their belongings or money or just the most basic.
(24:38):
Things it adds stress that no one in the family
really wants or needs to deal. With and, frankly we
see families who aren't caught up in these worries as
their loved ones are dying and it's much, often you, know,
frankly and easier road for.
Speaker 6 (24:52):
Them and that's the, point you. KNOW a valid will
and trust accomplishes several important. Goals, first it lays out
a clear plan for how your assets will be, distributed
regardless the amount of the assets you, hold and you'll
want to decide where your property goes instead of leaving
those decisions to the. Government, secondly it protects the people
(25:13):
and causes that matter most to you by providing for your,
spouse your, children and their, heirs really anyone that you,
want as well as your favorite. Charities and, finally it
gives you peace of mind knowing that your assets and
loved ones are taken care of no matter, what and
that you've saved them from the stress and costs of
court battles resulting from not having a plan in.
Speaker 2 (25:35):
Place, yeah because if you don't have a plan in place,
here you're going to court you're go into, probate and
it's really unnecessary in most, CIRCUMSTANCES i. Think so it
can feel like an overwhelming. Topic let me ask this simple, Question,
bill does does everyone really need a? Plan, Well i'll say.
Speaker 6 (25:56):
This everyone has an estate, plan whether they realize it or.
Speaker 2 (25:59):
Not, okay if you.
Speaker 6 (26:01):
Don't specify your wishes through a will or a, trust
the government's going to do it for. YOU a plan
means you've taken the time to make sure your treasures
like your bank, account your, car any family, heirlooms are
distributing the way you want, them and it could even
help save or minimize and avoid state costs state.
Speaker 2 (26:20):
Taxes, yep. Yep Absolutely, so anytime you can call your
own shots and not let the government do, it that's
a good. Thing absolutely, So, bill what's the number one
thing that everyone should have related to this?
Speaker 6 (26:34):
Topic, Well i'll give you the top. Three number one
a will or revocable living, trust an advanced health care
directive also known as a living, will and a durable
financial power of.
Speaker 2 (26:45):
Attorney all, right so tell us about.
Speaker 3 (26:46):
Those.
Speaker 6 (26:47):
Okay, Well i'm not an attorney or a tax, advisor
But i'm happy to give you a brief, overview.
Speaker 2 (26:51):
But you play one ON. TELL i do play one ON?
Speaker 3 (26:53):
Tv, YES i.
Speaker 6 (26:54):
DO i will specifies how assets will be distributed at
the time of your death and named an executor to
distribute your, assets can name guardian for your minor, children
care for your, pets and can handle other business affairs
to settle in a. STATE a will provides a guide
for your wishes to the probate. COURT a living a
(27:14):
vocal trust is similar to a, will except it can
also specify how your assets will be distributed during life
in case of incapacity or other scenarios that you define
the assets in a revocable living trust avoid. Probate that's
important minimizing expenses and, delays and it is often paired
with a will to account for any of those assets
(27:35):
that did not get titled into a trust. Now an
advanced healthcare directive addresses the decisions you've made regarding your, care, nutrition,
hydration and resuscitation at the end of. Life and, finally
the durable financial power of attorney is a notarized document
giving the agent you name the power to represent you
in financial and business affairs should you become incapacitated and
(27:59):
after your.
Speaker 2 (27:59):
Death, OKAY i can see how important these things. Are for.
Sure if a person has these three, items would you
consider their estate plan pretty much wrapped up in complete or.
Speaker 6 (28:11):
Nope, well these documents are extremely, important but they don't
cover every, scenario so you should carefully consider who you
select as your, executor your, trustee or personal. Representative what's
exciting is cant. Say hospice has partnered with a company
called Free will to offer anyone in the, community including your,
listeners the opportunity to easily create all of these legal.
(28:32):
Documents the tool.
Speaker 3 (28:34):
Is free to.
Speaker 6 (28:34):
Use it allows you to create a plan in the
comfort of your own. Home you can generally complete your
plan in just twenty to thirty, minutes and the final
legal document is fully customized to your. Wishes that, said
if you have a largest day or complex family, situation
you may want to use Free will to draft your
wishes before seeing an, attorney saving you time and money
(28:55):
in the. Process well that sounds very. Turnkey and what's
your best advice for people who are considering both how
to protect and care for their loved ones and also
how to leave a legacy of care for their. Community,
well you're, right it really is turnkey and while you're
creating these. Documents the Free will tool makes it easier
than ever to include gifts to nonprofits in your estate
(29:17):
plan and make a huge. Impact you can leave a
specific dollar, amount you can leave a percentage of your,
estate or make the charity a contingent beneficiary should you
have no longer any more living. Errors whether you choose
to make a gift to charity or, not it is
always free to use the Free Will.
Speaker 2 (29:34):
Tool, okay And i'll tell you what this. Is let
me just share with our. Listeners really long story, short
And i've shared this on the program before a. BIT
i had brain. Surgery it was at the end Of.
April it was a four to five five hour. Surgery
my surgeons are. SPECTACULAR i owed in my life they were.
(29:58):
Incredible here's the bottom line, Is david told me about
the Free will tool that is free, online AND i
MENTIONED i don't have anything in. PLACE i, said, WELL i,
do but it's very, vanilla one. Page IT'S i don't
think it's worth much of. Anything maybe better than, something
but not. Much and so before all of the surgery and,
(30:21):
EVERYTHING i logged onto your website AND i went to
Free will it's exactly what you just. Said in about
twenty to thirty, MINUTES i was. Done it was completely custom.
TAILORED i spoke my, MIND i want this, DONE i
don't want this, done and my wife could take care of,
everything and it was all laid. Out we, went we
got it, notarized and, BOOM i have those documents in,
(30:42):
hand AND i had so much peace of. Mind And
i'm not exaggerating.
Speaker 3 (30:45):
THAT i used.
Speaker 2 (30:47):
It it was fantastic AND i want to thank you for.
Speaker 3 (30:49):
That that's.
Speaker 6 (30:50):
Wonderful the peace of mind it, PROVIDES i think is
one of the most important.
Speaker 2 (30:53):
Things, yeah and my wife was happy about that, too so, because,
FRANKLY i mean what we had up with just Not
we just didn't have much in. Place super. Vanilla go
to sell a house or transact any sizeable financial document
with a one pager that SAYS i so and so
allow you so and so to do whatever you want
(31:13):
with the, money and they're going to laugh you out
of the. Building you need something more specific And annie, Again,
eddie you have a, plan whether you know it or.
Not that's the government that's going to basically tell you
what it. Is take control and you can do that
through the tool free will At cacyhospice dot. Org now
The Senior Care Live question of the week estate planning
(31:36):
is only for the? Wealthy is that statement true or?
False what do you?
Speaker 1 (31:41):
Think you're listening To Senior Care live on The Senior
Care Broadcasting. Network to Contact steve or a guest on his,
show this Is Seniorcare live dot.
Speaker 2 (31:51):
Com we'll have more coming. Up, hello this Is Steve,
Keeker president Of Senior Care. Consulting i'm so excited to
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have a, question Visit Seniorcare live dot. Com all, right
(33:18):
back to the Bonus Senior Care. Live question of the.
Week estate planning is only for the? Wealthy is that
statement true or? False and the answer is? False the
answer is? False And, bill why is that statement?
Speaker 6 (33:36):
False, well, really you, know estate planning is for all of.
Us we can use free estate planning tools such as
free will to ensure that any assets we do have
are distributed the way we, wish our loved ones are
protected and cared, for and we leave a meaningful legacy
behind regardless of the amount of wealth that we've accumulated
during our.
Speaker 2 (33:55):
Lifetime, okay, right, excellent, Excellent so thanks for clarifying. That
if you'd like to reach out To Kansas City hospice
And paality Of care if you have a question about.
This if you're, like you're, like wait a, minute, wait
you talk about that tools called free. Will how do
we learn more about that or maybe even access? It
eight one, six three six three two six zero zero
(34:17):
or online at Kc hospice dot. Org and before the
break we talked With bill about estate plans and are
there any other considerations for people when making an estate?
Speaker 6 (34:29):
Plan, Bill, well you, know as important as documents, are
really having meaningful conversations about your wishes once your plans
in place is really just as. Important talk to your
loved ones about your plans and share your intentions with
any and IF i can, ask share your intentions with
any charities you. Have that's important for us to know as,
(34:49):
well so we can say thank.
Speaker 3 (34:50):
You.
Speaker 6 (34:51):
Absolutely you, KNOW i love the partnership we have with our.
Donors it's truly one of the best parts of my,
job just making sure we continue to meet the intent
that the donor has and helping people who want to
make a difference in the.
Speaker 2 (35:02):
World, okay And, David sometimes when we talk about nonprofit,
donors people may think, that, well only the large donations
make a, difference and of course they. Do but if
someone can only give let's say ten or twenty dollars a,
month will they still have an impact On Kansas City.
Speaker 5 (35:22):
Houspice, Absolutely, STEVE i mean we could not do what
we do every day without our. Donors and you, know
ten dollars a month adds up to over one hundred
dollars a year that could buy groceries for a, family
or could help make a birthday or a holiday special
for one of our. Patients you, know ten donors who
give ten dollars a month becomes more than one thousand
dollars a year that can help provide care for a
(35:43):
person without resources to. Pay in, fact we're seeing a
large uptip in uncompensated, care which is really part of our.
Mission so our donors help us be able to help
anyone in the, community regardless of their. Resources it also
makes a difference for our community and our patients and
families that are served By Kansas City hospice because every
dollar stays right here In Kansas. City and it's also
(36:05):
important to know that that most of, us you, know
we won't make large, gifts but we still have the
opportunity to make a difference for a nonprofit whose mission
is close to our heart and also ensure that our
loved ones are protected and cared.
Speaker 2 (36:18):
For and, absolutely what are some ways that you've seen
donors make a difference for, Families, David.
Speaker 5 (36:23):
You, know seeing how much people want to help others
is frankly very inspiring to. Me you, know we have
had donors who've ensured that we're able to meet the
great need for assistance for our home care, patients providing,
food housing, assistants cleaning, supplies you, know even holiday stockings for,
seniors which is really coming up. Soon so you, know
(36:45):
others who have helped meet that increased need for specialized
grief support and mental health services is. Important it's also
important to remember that estate planning often involves multiple. Steps
SO i just want to reiterate to folks to you,
know draft the documents for your, plan like we talked,
about share what you want to, accomplish review that plan,
regularly and then of course amend it as necessary because
(37:08):
changes happen and that's critically.
Speaker 2 (37:09):
Important And, bill you're pretty involved with free will AND
i think you are pretty instrumental in getting that that
RELATIONSHIP i guess in place and have this excellent tool in.
Place how do you feel about? That and are people
using it and seeing the benefit of?
Speaker 6 (37:26):
That, Absolutely so we do see about two to three
users a month coming to create a. Plan you, know
there is some time involved in. That so but we
think that's wonderful and we are actually seeing some. Gifts
we've had over fifteen gifts that have come in through
the Free Will, tool which helps our mission and helps
us to ensure that we're able to continue to help
(37:48):
The Cansas city area with quality hospice care and really
provide people with dignity at the end of.
Speaker 2 (37:55):
Life, excellent, excellent and off my kind of in between
between the, Segment, david you mentioned you've seen this gone
gone bad kind of goes the other way when you
don't have these documents in.
Speaker 5 (38:08):
Place, yeah you, KNOW i think the point about just
when you have your plan established and reviewing, it you,
know sometimes life. Happens changes. Happen we people get, divorced
so they separate or they go different, ways and so
it's difficult when somebody dies and their updated wishes haven't
been you, know, documented and so it really just causes
(38:30):
problems and a lot of strife for. Family so just
keep up with.
Speaker 6 (38:34):
It, WELL i will say. Too one thing is that's
great about the Free will tool is once you have
created your, documents once you have created your, plan it's
so easy to go in and update that. Plan AND
i don't know if you, know whenever you have a
paper will and you've gone to a, lawyer every time
you go, back you know it's another thousand.
Speaker 2 (38:51):
Dollars it's, expensive yet it is it can.
Speaker 6 (38:53):
Be and so this is once you've created that plan
through free, will you can go back in and update
it as often as you. Like you can updated once
a week if you. Want YOU i don't know why
you want, to but you certainly.
Speaker 4 (39:03):
Can't.
Speaker 2 (39:03):
Yeah, Yeah so if my wife runs off with the pool,
BOY i need to update my absolutely, nice absolutely all,
Right so please remind us of where our listeners can
find more information about state, planning and then where they
can check out that free will, tool.
Speaker 6 (39:21):
So they can go To Kansas City hospice dot org
forward slash. Legacy i'll give you more information about free
will or ways to just get in touch with, me
And i'm happy to discuss really any opportunity that you
are interested in learning more about state planning or about
making a gift to Kan City. Hospice call me from more.
Information my phone number is eight one six two seven
(39:44):
six two six zero.
Speaker 2 (39:46):
Six where you could log on, online just get on
the on the. Website it is a, loaded fantastic. Website
that's HOW i accessed free. Will it was just Through
Casey hospice dot org and you can do. That SO
i would be remiss if didn't Mention Sunday Night. Live
AND i am so sorry THAT i was out of.
Town it was our anniversary and we were out of.
(40:08):
Town SO i told my, wife we're gonna we're scheduling
that Around Sunday Night live from now on BECAUSE i
love that. Event but that's your premiere annual fundraising, event
and it looks like it was super. Successful you know.
What we had a great.
Speaker 5 (40:20):
Evening it's one of my favorite nights of the, year
the first, weekend First sunday In, october and uh, yeah
we had just about six hundred, guests uh came together
for a few hours and we celebrated not only the
amazing work we, do but a lot of their loved,
ones WHICH i love to. Do so we had a
really good, time and we just appreciate the community supporting
us and all of our donors and. Supporters so thanks for, Asking. Steve.
Speaker 2 (40:43):
Yeah, Absolutely and just to, reiterate so if someone makes a,
donation or Attends Sunday Night, live or or participates in
any other fundraising, activity throughout the year Through Kansas City.
Hospice first of, all here this hearing me very. Clearly
this month stays in our community and helps families and
individuals in our. COMMUNITY i think that's really really. Important
(41:07):
And Kansas City hospice And paality Of care forty five. Years,
Yeah november, third we're celebrating our forty fifth. Anniversary forty
fifth anniversary coming right. Up and it's a nonprofit, organization
so they're able to because of your generous, donations they're
able to help people who are not able to. Pay,
okay so super. Important that helps them meet their. Missions,
(41:28):
So david And, bill thank you so much for being here.
TODAY i really appreciate. YOU i love it every time
you come. In so thank.
Speaker 5 (41:35):
You Thanks, steve good to be here.
Speaker 2 (41:36):
Today all, Right I'm Steve, keeker AND i wish you
grace and. Peace May god bless you and your family
on this day and always join me next. Week right
here On Senior Care.
Speaker 7 (41:48):
Live does your business serve the elderly and their caregivers
in our? Area there are hundreds of thousands of people
either receiving or providing senior, care and they need to
know about. YOU a unique and successful radio program Called
Senior Care live is the perfect opportunity to let your
target audience know about your amazing products and. Services Senior
(42:11):
Care live is currently adding a limited number of partner,
sponsors and if you're aligned with their, mission they want
to talk to. You they're interested in partnering with hospital,
organizations physician, groups home care, providers as state planning and
older law, practices financial, advisors insurance, companies real estate, brokers
home health, agencies and other providers serving the elderly and their.
(42:34):
Caregivers Senior Care live has a limited number of partner sponsor,
opportunities so call now at nine one three nine four
five twenty eight hundred nine one three nine four five
twenty eight hundred or visit seniorcare live dot com seniorcare
live dot.
Speaker 2 (42:50):
Com quid pro quo A latin phrase that means an
exchange of goods or services where one transfer is contingent
upon the. Other here's an. Example i'll recommend your senior
care community if you'll pay me a huge kickback from my.
Referral the free referral services have a vested interest in
(43:10):
you choosing one of their business. Partners that's how they
make their. Money does this paid recommendation sound objective or?
Credible of course. Not I'm Steve keeker With Senior Care.
Consulting i'm so proud to say we have never received
a single penny from any. Provider. Ever we offer a
placement service with integrity for help finding the right senior care,
(43:33):
community without conflict of interest and without the quid pro
quo called nine one, three nine four five twenty eight
hundred nine one three nine four five twenty eight Hundred
replacement service with integrity At Seniorcare consulting dot. Com
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