Episode Transcript
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Speaker 1 (00:00):
All these years you've saved up planning for secure retirement,
but if you're not careful, it will be the irs
that's living it up when you retire by taxing your
hard earned money. Welcome to the Maggie Tax and Financial
Hour with Robert and Chris Maggie of Maggie Tax Advisory
and Financial Group. With over thirty years of combined experience
and tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest egg from Uncle Sam. Your questions and
comments are welcome during today's program by calling eight one
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty, or visit Maggie
Tax dot com. That's Maggi tax dot com and now
(00:46):
your host for the Maggie Tax Financial Hour on nine
seventy WFLA. Robert and Chris matt.
Speaker 2 (00:52):
Everyone, and thanks for joining us today. My name is
Robert Maggie and I'm here with Chris Maggie, and be
sure to visit our website, Maggie Tax dot Com. Today
we're going to talk about some topics but register for
our seminars. It's a three and one. We'll talk about
that throughout today's show. And also go to the retirement
tax calculator so you could see what your retirement tax
bill is going to be. These are two important spaces
(01:15):
that you can go to to find out information for free.
And we're going to talk about our three and one
seminar today because it's going to help a lot of people.
Also visit our website Maggie tax dot com. Be sure
to watch our TV show every Sunday at ten thirty am.
It's about education and we have a lot of topics
to talk about today, so let's get going, Chris, and
(01:35):
you know, I'm excited about this because we put a
three and one seminar together. It's been very successful. We
talk about a state planning, social security and taxes and
a lot of advisors out there aren't doing any of that,
and I can tell you from the results that we've had,
as you know, it's been very well received.
Speaker 3 (01:50):
Well that's just said, so welcome everyone. I'm Chris Maggie
and thanks for tuning into our show. And you know,
each and every week we talk about education and if
you're not working with a complete planner, you're missing the
boat because most advisors out there just deal with investments,
and really, you can invest your own money. It's not
that hard, really, but most people don't complete the rest
(02:10):
of the story. And there's income planting, and there's tax planning,
there's investment planning, there's social security maximization planning, and then
what we're talking about today is a state planning. So
what's a state planning? And what documents do people need
in Florida?
Speaker 2 (02:23):
And that's a big question because a lot of people
Chris bypass it. I believe sixty percent of the American
people don't even have a will, and that's sad because
when you pass away, you want to make sure that
your assets are titled correctly. We talk about this every
time about beneficiary designation and make sure it goes to
who you want. So when you go up to heaven
and you're looking down, what is your family picture going
(02:45):
to look like? Is it going to look like people
are fighting or people are just you know, relaxed and
got everything the way you want it. And that's important.
So what state planning documents do we need in Florida.
Let's talk about that. So a state planning or enhance
planning applies to all of you. And I'm not you know,
I don't care how old you are, but it applies
to all of you. So register today at Maggie tax
(03:06):
dot com, click on seminars and all the locations and
times are listed, and we do the seminar at libraries
because it's about education, and like Chris said, we educate
a lot of people throughout, you know, the week, and
throughout the year and throughout our career because it's about
learning the language and understanding what to do. So a
library is a great place to learn. And another reason
(03:27):
to attend is what I give you all a free
copy of our first book that we wrote. Stop funding
Uncle Sam's retirement and get a plan that's simple and
easy to understand, and we call it the Maggie Plan.
It's a tax plan, it's an income plan, it's an
investment plan, and more importantly, Chris, it's a legacy plan.
So there's a lot that we're offering there, and it's
very easy to attend, and it's like ninety minutes, so
(03:48):
why not show up?
Speaker 3 (03:49):
Absolutely, So visit our website at Maggie tax dot com.
There's so much information right there, So let's discuss what
documents are required in Florida. There are a handful of
things that need to be sorted out before you can
set things in stone to ensure that everything goes smoothly.
You want to avoid the probate process, and you don't
want to go through probate if you don't have to.
(04:09):
And most people they just don't know what they don't know,
and they just think that's just the process. But it
doesn't have to be that way. So, as I talk about,
things have to go smoothly, but it can be a
lot for a single person to keep track of and
not everyone may understand the terminology that's involved. So that's
why you need to meet with the right advisor. That's
why Magita's advisory is here to let you know what
(04:30):
documents are needed for a state planning and an explanation
of what they're for. So we work with a national
group of attorneys to get all the documents that you need.
Every situation is different, but the question is what is
a state planning? And here's a brief summary that once
you go into that and talk about what a state
planning is sure.
Speaker 2 (04:48):
And again a lot of people don't spend a lot
of time on this, but you know it's something that
you have to think about. So what is a state planning?
So a brief summary that make this easy. Things can
happen that may put us in a s situation. We're
unable to communicate our intentions when it comes to our
assets or our own well being. So whether it be
from a sud disability and inability to speak freely or
(05:10):
the act of passing, there are a number of reasons
that could cause you to relinquish control of your say
in things that you want to have done, not someone else.
So a state planning prepares you for these outcomes by
setting your wishes in place should any of these things occur.
And Chris, not when someone sitting on a hospital bed
in a coma, or you know, dementia sets in before that.
(05:33):
That's what this is all about. To take the time
to sit down and do it. And you'd be surprised
how many clients have we met that sat down and said, Wow,
I didn't think it was this easy, but I'm so
glad I did it now absolutely.
Speaker 3 (05:43):
I mean, we just met with a beneficiary of a
daughter who mom passed away just last week. And you
know we met with them two years ago. Do the
estate planning side of the whole complete plan and guess
what she came in. She had a death certificate, she
was the beneficiary with her brother, and guess what. Things
passed smoothly as can be, and that can happen for
(06:04):
you as well. In a state, planning or estate planning
involves a few types of documentation to ensure that the
results that you desire. Each of these papers covers your
rights in their corresponding fields and you can enjoy the
peace of mind by getting it all down in writing.
That's what it's about. But also you have to make
sure that things are notarized. Just keep in mind that
(06:25):
it's important to avoid common estate planning mistakes since you
won't be able to fix them after it's too late.
So such documents are your last will and testament. This
is often seen as one of the most important documents
that you can sign. Your last will and testament will
make sure that your assets go to the people that
you want them to go to. This can also be
used to designate specific people to be the guardian of
(06:45):
your mind and children. Without this document, there's no guarantee
that your wishes will be fulfilled after you pass register for.
Speaker 2 (06:52):
US seven are we do a state planning segment on
that to help you. We have a nice marketing piece
that will give all of you to kind of fill
in the blanks. Who's going to get what? How does
it work for a husband and wife, the whole thing.
So register at our website, Maggie Tax dot com. That's
what we're talking about today. I invite all of you.
It's very simple. Go to Maggie tax dot com, look
for seminars and the dates are there for August and
(07:14):
it's free. There's no cost, there's no obligation. But the
bottom line is we have done this and I have
done many seminars in my career. It's about education. So
if you're coming to a seminar to get educated, we're
at the right place because it's at the library. Please
don't come to a seminar and it expect to be
sold something. That's not the way it is christ And
to me today, the language and the education is so
(07:36):
important for everyone listening to today's show.
Speaker 3 (07:38):
Well that said, so that's why we do complete planning.
We call it the Maggie Plan. It's a tax plan
and it's an investment plan, it's an income plan, it's
state planning. You know, it's legacy planning, it's so security
maximization planning. And we're talking about today in this topic
here at State Planning, and you know we do complete planning,
so we can help you in a lot of different ways.
Let's discuss what a living trust is sure, and this
(07:59):
is one of the questions we get all the time.
So how can you make sure that your positions are
going to be distributed how you wish?
Speaker 2 (08:05):
That's the most important thing. And you can personally choose
someone that you know to be the trustee to handle
all of your assets for you after you pass, to
give you greater peace of mind. It says like speak
from the grave. So you are also able to change
your designation with to designate a trustee as many times
as you'd like, for as long as you are alive.
(08:26):
And here's the question. As you put a trust together,
you have a trustee, but you can change them. You
have full control, right, you can buy, sell, you can
still manage the whole trust. But it's more protection for
you because you're doing it.
Speaker 3 (08:39):
And what's really important is that a trust avoids probate.
And also it's private, so God forbid you passed away.
Something happens to you people out there, it doesn't have
to go through the probate process. It's not public data.
It's private, so no one's going to know what you
have and what your wishes are. So that's why it's important.
These are some of the documents that we're talking about
when you talk about estate planning and enhance planning. So
(09:01):
pick up the phone, schedule a time to meet with us.
If you don't have a will, you're looking for questions
about a trust or state planning, we have the attorneys
here to help you. Eight three to three magi tax.
That's eight three to three Maggie tax. So what are
other documents that are part of the estate planning process?
Speaker 2 (09:17):
Another document is a power of attorney. So if you
are ever in a situation where you are unable to
make important decisions yourself concerning your property, financial matters, and
other assets, a power of attorney can make those decisions
on your behalf. So you would want someone that you
could absolutely trust to handle such important matters. And this
(09:37):
document will establish who will be your power of attorney
should you ever need one, and Chris, this is the
documents that people missing that we see all the time.
Speaker 3 (09:45):
That's right. So let's talk about healthcare directives. So setting
up your healthcare directives is almost like having a power
of attorney, but for medical concerns, you can state what
types of treatment you do and do not want, what
surgeries you approve of, whether or not you would like
to donate your organs, and so on. So since these
concerns are something that's very personal to you and it's
your own body, it's very important to have such matters
(10:07):
clearly written. So reach out to us at Maggie Tax
Advisory and Financial Group. We can help you. We can
help and help you in a lot of different ways.
Make a preserve your family harmony, and protect your legacy.
That's what it's about. So we have a question for
all of you. How often do you play the estate
game in your lifetime? How do you know how well
you did? You're never going to know until you actually
(10:29):
get it done. So that's why it's important to meet
with us. Pick up the phone, schedule time to meet
with us eight three to three MAGI tacks.
Speaker 2 (10:36):
Be sure to register for US seminars. Go to Maggie
Tax dot com right now hit seminars. You'll see the
seminars coming up in August and every month after that.
So it's up to you get educated. What's trying to
help everyone out there? Eight three three Magi Tax and
don't forget. Every Sunday at ten thirty watch your TV
show on ABC, The Magi Tax and Financial Show.
Speaker 1 (10:57):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma Ggi Tax dot com or call eight one three
(11:19):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty now your host for
the Maggie Tax and Financial Hour, Father and son from
Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 3 (11:34):
Hey, yous tuning into the Maggie Tax and Financial Show,
and welcome back everyone, And today we're talking about how
to create a financial plan with your partner and we
get to seach in every week. How do we put
together a plan, What do I do? Where do I go?
Where do I even start? Well, those are great questions
and that's why we're talking about today. So pick up
the phone, schedule time to meet with us. Visit our
website at Maggie tax dot com. There's so much information
(11:57):
right there. Register for our three in one seminars. We're
talking about investments, we're talking about enhance planning, state planning,
social security planning, tax planning. Oh my gosh, there's so
much information right there for you. So and also schedule
time to meet with us eight three to three Maggie Tax.
So how do you create a financial plan?
Speaker 2 (12:15):
Dad?
Speaker 3 (12:15):
Let's just talk about one of the couple things that
they can do, some small things that they could do
to get going on this journey.
Speaker 2 (12:22):
Well, the first thing is to me with an advisor,
I like Maggie Tax, who can go over this with you,
compare the plans. And by the way, if you don't
have a partner, this doesn't eliminate you because if you're
a single and you have a plan, we can help
you with it. So we don't want to eliminate that.
But the point is that people disagree on a lot
of things when it comes to retirement planning. Chris talked
about it before. Income planning, tax planning, social security planning.
(12:43):
We do our TV show and we get many calls
on Monday that they did not know some of the
questions that we brought up on the show. So we
encourage you to watch our TV show every Sunday at
ten thirty on ABC. But here's the problem. The old
rules of retirement have changed, Chris. Many people out there,
older people you know, always you know save the same way,
but today the rules have changed. The Secure Act change
(13:05):
the requirement of distribution for people who have iras in
four to one case. So for the best chance of
meeting your goals, both of you have to have a
clear understanding of where you currently stand from a money
related standpoint. That question means how much do you need
if you retire, when you retire, and how we going
to get it? And I think, Chris, people don't understand
what we talk about bucket planning and what that means
(13:27):
to them. And that's you know, old rules don't apply
to that. It used to be take four percent out
and let last for whatever. That is not the way today.
Planning is correct.
Speaker 3 (13:37):
That's exactly right. I mean, there's old rules and there's
new rules to retirement. Think about the old taxes the
new taxes, right, the income buckets versus the new income buckets.
There's strategies out there to enhance what you have. And
if if you're with your current advisor and then just
showing you how to invest in the market and mutual
funds and stocks and bonds and that's it, guess what
they're missing the boat because there's tax planning there, there's
(13:58):
income planning, there's a state planning, there's SOLI security maximization planning.
Just for those things alone that if your advisor is
not even talking about, then guess what you're missing Some
opportunities out there, and you will miss opportunities in the
future because things are not right. So that's why it's
so important to prioritize and arrange your collective goals. Once
(14:19):
all of your goals have been discussed and pulled together,
the next hurdle is to come into an agreement on
which goals should be prioritized first and which ones can
wait a little longer. I met with a couple last
week and they were talking about they have a home,
they have a beach house, and their mortgage on there
and their two million dollar home was eight thousand dollars
a month. Right, it's a big, big liability. And they
(14:41):
talk to me about what should they do, and should
they sell their home and should they down size to
make it more efficient on their income during their retirement years.
And they both actually came together and made a decision
right there because they were able to talk about it
and guess what it's going to enhance their plan and
with the pro seeds from the sale of the home,
now they can put together a bucket plan where they
(15:04):
can generate income for the rest of their life they
don't have to go back to work. So just understanding
how all this works is so valuable, and that's why
you should meet with us eight three to three Maggie
Tax And that's why we do income planning, tax planning
and estate planning and enhance planning, so both of you
have the best plan for yourself and also your family
moving forward.
Speaker 2 (15:24):
You know, I think what you just said before about
that couple, they were afraid to talk about it because
they had so much and thinking that they were on
safe ground. But there was a lot of obstacles in
the way that we uncovered for them, and again the
old rules of retirement don't apply. So that's the educational
part that we gave them. And this step can be
the start of many arguments between partners where they don't agree.
(15:45):
But overcoming this difficult part is essential in coming up
with the best strategy that meets both of your deeds,
even if some compromises are required in the process. That's
what it's going to take, a compromise on both sides only, Chris,
because they don't understand. They don't understand the rule. And
again that's why we do the seminar because a state planning,
tax planning and social security planning plays an important part.
(16:06):
And there are questions that we get that are unbelievable.
Speaker 3 (16:10):
Well, I said, you know, we sound like a therapist here, right,
I mean across he go right, it's crazy because but
it goes back to everything, especially the financial side of things.
That that's one of the topics on most divorces and
family problems is the financial side of it. But if
you can agree on a budget, and many people out
there don't even have a budget, well we can help
(16:32):
you with that. We can start with that. It could
be the main reason why you argue about this, and
that's why we do a budget sheet with you and
it will surprise you on what you're currently doing and
what you can do and by just making a little change,
and especially in retirement as well. It's not like you
have to have less income in retirement. It's not like
you have to totally make a drastic change in retirement
(16:54):
just because now you're not working. You don't have to
do that. You can Actually it could be actually the
other way, where you spend more inronment because if you
take income from the most the best sources, it could
be tax advantage income to you. And many people don't
know that.
Speaker 2 (17:07):
We'll stay with that for a second because one of
the things we talk about is the income gap when
you do planning like we do, think about if they
both get sold security or one gets a pension to
fill that void. Let's say they need five thousand and
it comes to three thousand, they're only looking for two grand.
And most of the time that we see with their investments,
they have it's there, but they don't know how to
take it.
Speaker 3 (17:27):
And on a tax favored basis, let's just say, you know,
you hit it on the head. If there's two thousand
dollars income need. We talked about this earlier on the show.
The client who came in their advisor simply said, yeah,
we'lllet's give you that two thousand dollars a month from
your IRA. Meanwhile, guess what it created tax liability. They
didn't have to do that. So when we looked at it,
(17:47):
we said, well, let's just take five hundred dollars from
your IRA, Let's take fifteen hundred dollars from this source
where it's non tax, and let's take income from here.
Guess what. They didn't pay any tax.
Speaker 2 (17:58):
I mean.
Speaker 3 (17:58):
So they looked at me and I said, well, that's
not right, Chris Well, I said, no, it is. Let
me share the tax turn So we did, and they
were just blown away. They said, how come my advisor
did not show me this. It's very simple because all
they do is investment planning. They don't do tax planning,
investment planning, complete planning like we do. And that's why
you're listening today. You need to attend one of our
(18:19):
three and one seminars to get educated. Number one, number two.
Come on in schedule time to meet with us. We
have offices on both sides of the Bay to help you.
If you have questions, we can help. There is so
much there, that's why we call it the Maggie Plan.
It's income planning, tax planning, investment planning, social security maximization planning,
(18:41):
legacy planning. Guess what a state planning? Do you have
all your accounts in order? If you don't know, then
now's the time to pick up the phone, schedule time
to meet with us. Eight three to three Maggie Tax
and don't forget. Every Sunday on ABC TV, tune in
for the Maggie Tax and Financial Show eight three to
three Magi Tax.
Speaker 1 (19:00):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma Ggi tax dot com or call eight one three
(19:23):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty Now your host for
the Maggie Tax and Financial Hour. Father and son from
Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 2 (19:39):
Hello again and welcome back to the Maggie Tax and
Financial Show, and thanks for joining us today. Be sure
to visit our website, Maggie Tax dot com and register
for a free seminar we call it three and one
on estate planning, tax planning and Social security planning. Why
because you need answers to questions about a will and probate,
and about taxes and retirement and also social security. So
(19:59):
to we've been discussing how to create a financial plan
with my partner or if you're a solo, the same thing,
because you have to have answers to your question. So
one of the things we talk about agree on a
shared budget. Many of you do not have a budget,
and that could be a main reason why you agree
but argue rather, but this is what we do. So
a budget will make you agree, not argue. We've seen
(20:22):
it so many times because many people say, well I
don't work with a budget. Well you should, because then
you can find out what discretionary money you have. And
that's where Chris and I talk about this all the time,
what you can do with it, because maybe just need
to reposition some money from the left side to the
right side, and you know it's a better plan.
Speaker 3 (20:38):
Chris, Well, that's just say you know, budgeting is important.
We had met with a client last week and they're
very good on budgeting. And when we first met them,
they had no idea where their money was going. But
they sat down, they put a simple budget together and
they know where they're spending their money. That's how simple
it is. And now in retirement they are taking ownership
on what they can do. So when they have all
(21:00):
their bills paid, they can have income checks come in
and play checks come in. And a play check is
just another income stream that you will get for the
rest of your life, like a pension plan pension income
where you will never outlive your money. And these are
play checks that they can spend each and every month
for the rest of their life. And that's a great thing.
(21:21):
When you can budget and then have an income plan
and a tax plan and also an investment plan. I mean, gosh,
what else. So you're going to be worried about if
you have that in place. That's why it's so important.
We recommend that you meet with us. Pick up the phone,
schedule time to meet with us, get the Maggi Plan.
It's tax planning, income planning, investment planning, stay planning, soci security,
(21:41):
maximization planning, and don't forget. Every Sunday on ABC TV,
tune into our TV show at ten thirty AM for
the Magi Tax and Financial Show.
Speaker 2 (21:50):
You know what we see is all of us work
maybe forty to fifty years, and we save and we
put money away, and we pay our bills and we
go on everyday life. But when you get to retirement,
it's it's the same thing. You have to have income planning,
tax planning, social security planning to figure out how you're
going to enjoy retirement. So the next hurdle will be
agreeing on how much of the income or funds that
should be allocated to each goal or budget. What's funny
(22:13):
about that. I'll get a spouse that wants to buy
a car, and you know, no one wants to buy
you know, some jewelry or something, and they're arguing about
it at the table. But the point is, if you
have discretionary money, then you can do whatever you want
with it. So it may take a long time to
work out the details in this step, and may even
span a couple of days' worth of discussions. Because look,
you're getting ready to retire, you're going to retire for
(22:35):
a long time, and you have to have it right.
So the important thing is to keep working together until
you both come to a mutual understanding and don't forget
to set aside a budget for emergencies. Chris. The budget
where when we bring it to people's attention, it's almost
embarrassing when they say we don't have one.
Speaker 3 (22:51):
Yeah, and it's not a lot of work. It's very simple.
When the form that we put together for our clients,
it takes literally twenty minutes if you sit down one
night or one day and just do it together, and
then after that let us take it from there. We
can show you how to how to get the income
to take care of your budget, and also on top
of that have what my dad mentioned before, the discretionary
income each month to come in. We you can spend
(23:12):
it and have a good time. And you want to
go by a purse, you want to go buy a jeweler,
you want to go travel on a cruise, you want
to go see your kids, you want to play golf,
whatever it is, you can use those discretionary funds to
keep doing it for the rest of your life, and
that's what retirement's about. Enjoying it and making sure that
the financial set making sure that if anything happens to you,
that everything's going to pass the way you want to,
(23:33):
but also enjoying yourself and not having the worry and
the anxiety that the financial aspect will bring. And that's
what we talked about early on in the show, and
most divorces and most arguments with partners and spouses and
husbands is financial, and it doesn't have to be that
way if you both are on the same page. So
as my dad mentioned, you know, the important thing is
(23:54):
to keep working together until you both come to a
mutual understanding. You know, don't forget to set aside a
budget it and make sure you meet with the right
advisor who can look at taxes, income is stay planning
and investments all together. And that's what we do at
Maggie Tax Advisory and Financial Group eight three to three
MAGI Tax schedule time to meet.
Speaker 2 (24:12):
With us, and we call it a puzzle because there's
many pieces to it, but discuss who's going to bear
which responsibility. So carrying out a financial plan can be
a bit much for a single person to handle alone.
And they need help. So you're going to need someone
to be responsible for making the payments and another person
to keep track of the budgeting to make sure you're
on track. Very important. You may also want to allocate
(24:33):
the best speaker to handle communications with financial institutions should
the need arise, because basically everyone needs to play their
part from beginning to end. The thing that I see
a lot is when two people talk, no one's listening.
And when you talk about financial planning and retirement planning,
you have to listen to both sides because that's what's involved.
Chris and you know, I've been married to be almost
(24:55):
fifty years, and your mother and I always argue about things.
That's a normal thing. But when it comes to out
to beer bones, we've got to come to the final
decision and say, Okay, this is what we both want
and then execute it because that's the right thing to do.
Speaker 3 (25:06):
Well, that's it. So that's why meeting with the right
advisor is so crucial, so important. And when you're seeking
an advisor, anyone can do investments. So there's the retail
side and there's also the institutional side. You want to
meet with someone who's a fiduciary and someone who's on
the institutional side of investing, and also someone who does
tax planning and the state planning. That's what we do.
(25:27):
That's why we call it the Maggie Plan. So that's
why having a complete plan is important. And having a
trust or a will can make the distribution of your
accounts a lot easier, the titling of your accounts, the
proper beneficiary designation. My gosh, there's so much there to
talk about that I guarantee you that your current advisor
is not talking about. I give you a quick example.
(25:48):
I went to the bank a credit union a couple
of months ago, and I wanted to set up an account,
and it took twenty minutes. We set up an account
and I got up and they told me, hey, mister Maggie, congratulations,
welcome to the bank. And I said, well, by the way,
is this account going to avoid probate and go to
my wife and my two kids? And they said, is
that what you want? And I said, yes, that's what
(26:09):
I want. So we sat back down and explained to
them what I do and they said, well, we're not
trained that way. We're not trained to open these accounts
to make sure that they're at a transfer the right way.
And it was very alarming when I saw this, and
this is what we see each and every day. So
I guarantee you that you're listening today. If you have
a checking account, a save Me's account, an IRA A
four to one k oh four one k's life insurance,
(26:32):
do you have all these accounts set up the right way?
And if not, no problem. Just pick up the phone,
schedule time to meet with us. Let's put together your
balance sheet. Let's look at everything for you on one
piece of paper, so you can make it simple and
easy for you to understand. That's why we call it
the Maggi Plan eight three to three Maggie Tax eight
three to three Maggie tacks. Get the Maggie Plan, man.
Speaker 2 (26:53):
You hit it on the head, good lord. That's the
reason why we do this. Seven are But that is
why having a will or a trust can make the
distribution of your accounts a lot easier. Many people don't
see that until someone passes away. So register for one
of our three and one seminars on a state planning
that we're talking about social security planning and tax planning.
And let Maggie Tax take the arguments out of your
(27:13):
life have. We have regular meetings to track your progress,
and we meet with our clients as often as necessary
because things change. Things change in many ways, you know,
daily life. You know, from day to day things change,
and it's easy to lose track of financial progress, especially
when they consist of long term goals. So don't be afraid,
you know, we meet with our clients as often as
(27:34):
we need to, not just once a year. Many clients
tell us they don't even meet with their advisor, and
that's why it's up to each partner to help the
other stay on course. And having regular meetings, even if
it's just bi weekly or once a month, can give
you the chance to reassess your situation and make any
changes if you need to in a good way. And
rather than arguing which I don't like, or dealing, you know,
(27:57):
dealing with punishment for veering off course, it can be
more productive to remotivate each other with reminders of how
rewarding it's going to be to reach your financial goals.
And Chris, that's what's going to make retirement, you know,
comfortable for everybody. Gosh, you work so many years every
day in the grind you know, going to work, driving
to work, traffic, you name it. And then you get
to retirement and you should be retired.
Speaker 3 (28:19):
That's it. I mean, you work hard, you put together,
you did the right thing again. Now you need to
complete the right thing and that's what's called the distribution phase.
There's the accumulation phase in retirement, there's also the distribution
phase and most people that's the second half of the
story and the second half of the game. The distribution
phase where they mess up, and that's where taxes erote it.
(28:40):
Making the wrong decisions where you take the money can
erode your retirement and that's where you don't want to go.
So create a financial plan today. Make sure that you
both you and your spouse, or even if you're single,
it's no problem. You need to have a plan. It's
easier if you're single. But at the same time, if
you have a spouse, you need to make sure that
everything is on the right path and we.
Speaker 2 (29:01):
Can help you.
Speaker 3 (29:02):
So pick up the phone and schedule time to meet
with us. Eight three three Maggie tax. That's eight three
three Maggie tax. Schedule time to meet with us at
one of our three locations, or just schedule time to
come to a seminar, the three and one Seminar Education,
Get the Maggie Plan, tax planning, incomplanning, investment planning, social
security planning, a state planning. That's what we do.
Speaker 2 (29:23):
And just remember this show is about education. It always
has been. I've been doing this for almost thirty years.
And you know. When you know and you understand the
rules of the game in social security and tax is
a state planning, then you're going to understand what the
right thing to do. Don't take a guess. It's not
the old thing where you just throw it at the
wall and enough sticks. It doesn't work that way. So
(29:44):
when we do the three and one seminar, a state planning,
tax planning, and social security planning, just think about it.
Without a will, a probate court and the estate decide
what happens to your assets when you're gone. And many
of you know this because you've lost a mother or father.
What about your tax bill? Your tax bill and retirement
can be too big. In thirty seconds, we're going to
(30:05):
show you what your tax bill will be if you
have an IRA four oh one K, even a TSP
or any tax deferred retirement account. You're gonna want to
know what your tax bill will be. Go to my
website Maggie Tax dot com. On the top right, click
on retirement tax bill, fill in the information. Thirty seconds
you're going to get a report and then pick up
the phone and give Chris and I a call and
let's get together and go over it with you. Maggie
(30:27):
Tax dot com. And our website is Maggie Tax dot Com.
Seminars videos retirement tax bill. And then the last thing
about social Security, you know can be confusing with the FRA,
the cola Ierma, you know what does it all mean?
And at Maggie Tax, Social Security and Tax Seminar, we're
going to cover all of this, So give us a call.
Eight three three Maggie Tax. Don't forget watch your TV
(30:49):
show every Sunday on ABC TV at ten thirty. And
most importantly, register for our three and one seminar. Go
to Maggie Tax dot com the seminars, click on it
and then you can see the summinars there on register.
Eight three to three Maggie Tex. That's eight three to three,
Maggie Tex.
Speaker 1 (31:05):
Stop planning for Uncle Sam's retirement and start planning for
your retirement as we return to the Maggie Tax and
Financial Hour with your host, father and son, Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma gg I tax dot com or call eight one
(31:27):
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty now your host
for the Maggie Tax and Financial Hour, Father and son
from Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 3 (31:43):
Welcome back everyone. Thanks for tuning into the Magi Tax
and Financial Show. And don't forget every Sunday on ABC TV,
tune into the Magi Tax and Financial Show. It's thirty
minutes education and we're right on TV on ABC TV
at ten thirty am on Sundays. And there's so much
information right there to help you. If you have questions,
pick up the phone, schedule time to meet with us.
There's so much to talk about. Worried about tax planning,
(32:04):
income planning, investment planning, a state planning, legacy planning. That's
what we do, complete planning. If you're looking for a
holistic advisor, someone's going to help in a lot of
different ways, and look at everything we can help. If
you have a transactional advisor right now and you're just
stuck and you don't know if they're doing the best
thing for you, let's get a second opinion. Pick up
the phone, schedule time to meet with us. Eight three
(32:25):
to three Magi Tax. That's eight three to three Magi Tax.
Speaker 2 (32:29):
And many of you know that the Trump tax cuts
are going to expire soon, and we talk about this
all the time, So we have an IRA four oh
one k or TSP. You will have a huge tax
bill to pay the irs. And what Chris and I
are talking about every time we meet with someone is
how to avoid this. Check out my retirement calculator at
Maggie tax dot com and in thirty seconds you're going
(32:49):
to see what your retirement tax bill will be. But wait,
how would you like to reduce or eliminate your state taxes,
pay no capital gains tax, and receive more guaranteed income
over your lifetime. These are the questions that Chris and
I get every day. So pick up the phone, give
us a call eight three to three Maggie Tax. Visit
our website Maggie Tax dot Com. Register for one of
(33:10):
our seminars coming up every month throughout the year, and
also check out the Retirement Calculated. But here's the thing,
and Maggie Tax. We always discuss proven strategies and concepts
that work. And that's why, Chris, when we sit down
with the client and we show them what we always
do every day, it's it's something that we've done many, many,
many times, and they sit up and they go, boy,
you know what my advisor never told me that. Well,
(33:32):
we know that. That's why you're here. So what is
your biggest fear? Are you worried about income tax? Are
you worried about are you worried about out leaving your money?
What are you worried about? So today we want to
discuss a few that would we would recommend. And it
all depends on each individual situation, Chris, because each individual
situation is different. But one thing people say, well, I
don't have enough money. Anything you have is enough money,
(33:55):
right because they saved for what. That's that's confusing.
Speaker 3 (34:00):
I mean, I mean you have money, you saved and
maybe you don't have enough, maybe you do. It doesn't matter.
I mean, we don't put together one plan for everybody.
One size does not fit everyone, and there are advisors
out there that that's what they do. They do transactional
and what happens with transactional advisors is that they just
put the same thing in front of everybody, and it
(34:20):
doesn't fit everybody. And that's why when you come to
Magge Tax Advisor and Financial Group, we're going to put
together a plan for you. And what we mean by
that is we're going to customize this for you and
want to listen to you. We're going to talk about income.
We're going to figure out how much income you need.
We're going to talk about budgets. We're going to talk
about buckets of money for safety, buckets of money for
risk buddy, buckets of money for taxable or tax free accounts.
(34:42):
This is what we're talking about here. We're going to
wrap it up where everything you have is going to
stay in your family. It's going to go to your
family members on the most tax efficient way. That's what
it's about. So when you come to meet with us,
that's why we need to see you. We need to
talk to you. We need to figure out what's best
for you, what's on your mind. My dad mentioned this
before if you have questions and stuff is keeping you
up at night, what are you doing about it? Write
(35:04):
those questions down, Come in and meet with us. We have,
obviously on both sides of the day, to help you.
Eight three three Maggie Tax. Pick up the phone eight
three three Maggie Tax.
Speaker 2 (35:12):
And one thing that I will say, maybe we can help,
and maybe we can't, but I will promise you this.
If we can help, then we're gonna explain why, and
then you make the decision on why you should do it. However,
if we cannot help you and we see that what
you have is fine, that's what you want to know.
Second opinion, that's what we talk about, and we're gonna
let you know so you have a clear future. Give
(35:33):
us a call. Eight three to three Maggie Tax. Visit
our website Maggie tax dot com. There's a lot of
videos on there, short videos. You can take a look
at it before you come in. Get an idea what
we're gonna do. So let's get started. Eight three three
Maggie Tex Maggie Tex dot com. Yeah, let's talk about
some tax strategies. You know, that's what it's about. Taxes
are our biggest expense.
Speaker 3 (35:52):
So let's talk about ways where you can reduce your
taxes and help you maximize the income. And we heard
a lot about this because many people out there want
to maximize their income, but how do you create these
tax deductions or how do you go about finding a
way to reduce your taxes? And most people they really
just don't know what to do. But we do tax
(36:13):
planning all year round, and maybe your advisor or even
your CPA, they don't recommend tax planning strategies. I met
with a couple people last week and we talked to
them about what is your advisor talking to you about
with taxes? And they look at each other and they say, well,
not nothing. We get no tax advice from my advisor
for the past ten years that we've been with and
that's why they're here with us. They want to encompass
(36:35):
a whole plan. So when you meet with us, we're
going to put together an income plan, a tax plan,
an investment plan, and a state plan and make sure
that you have more income in the most tax efficient way.
Speaker 2 (36:44):
So pick up the phone eight three to three, Maggie
tax and you don't need to study for hours on
end to be an expert on taxes before you can
reap the benefits. And just remember when the Trump tax
cuts expire, it's going to cause a lot of confusion.
The language is going to be different, and that's what
we do. So here's an example. All of you go
to Magi tax dot com, click on the retirement calculator
(37:05):
at the top, fill in your information. It's going to
take you like thirty seconds, and how much you have
in the IRA of four to one k or a
TSP if you're a federal employee. But in thirty seconds
you're going to receive your own retirement tax bill. And
why is this important? Because you're going to see at
what age you have to start taking out D, R
and D and your advisors not talking about this. Then
we can meet and share some strategies and concepts to
(37:28):
minimize your taxes. That's one strategy that you can use
right now at Magi Tax. We want to show you
two simple strategies that can help you maximize your taxes.
Become a tax free person with a Wroth conversion or
strategies and concepts that we use to reduce your taxes.
Speaker 3 (37:45):
And that's where when you come in to meet with
us it's about planning. It's simple. I mean, when you're
come in to meet with us, we're going to talk
to you. We're gonna want to ask you a lot
of questions. You know, we want you to be open minded.
We want you to let us know what you're looking
to achieve, and let's even accomplish that. There's many strategies
here that we can help you with. And if you
look at reduce your taxes, maybe there's ways we can
(38:05):
create a tax deduction to offset some money that comes
out of your IRA to convert to the roth IRA.
Those things happen. We do it all year. That's what
we do each and every day. So when you come
in to meet with us, we're going to help you.
We're going to show you a plan. That's what we
call the Maggi Plan. Income planning, tax planning, investment planning,
social Security maximization planning, Medicare planning, estate planning. My gosh,
it's all right there. Eight three three Maggie Tax. We
(38:28):
look forward to meeting with you. Eight three three Maggie Tax.
Schedule appointment today. Visit our website at Maggi tax dot com.
We thank you so much for listening to an in
next week for the Magi Tax and Financial Show.
Speaker 2 (38:38):
You've been listening to.
Speaker 1 (38:39):
The Maggie Tax and Financial Hour, discussing tax planning investment strategy,
is presented by Robert and Chris Maggie from Maggie Tax
Advisory and Financial Services with offices in Hillsboro and Panelas County.
Visit Maggi tax dot com or call eight one three
three two two twenty five twenty. That's eight one three
three two two t five twenty and tune in next
(39:02):
Saturday at five for the Maggie Tax and Financial Hour
All these years you've saved up planning for secure retirement,
but if you're not careful, it will be the irs
that's living it up when you retire by taxing your
hard earned money. Welcome to the Maggie Tax and Financial
Hour with Robert and Chris Maggie of Maggie Tax Advisory
and Financial Group. With over thirty years of combined experience
and tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement nest egg from Uncle Sam. Your questions and
comments are welcome during today's program by calling eight one
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty, or visit Maggie
Tax dot com. That's Maggi tax dot com and now
(00:46):
your host for the Maggie Tax Financial Hour on nine
seventy WFLA. Robert and Chris matt.
Speaker 2 (00:52):
Everyone, and thanks for joining us today. My name is
Robert Maggie and I'm here with Chris Maggie, and be
sure to visit our website, Maggie Tax dot Com. Today
we're going to talk about some topics but register for
our seminars. It's a three and one. We'll talk about
that throughout today's show. And also go to the retirement
tax calculator so you could see what your retirement tax
bill is going to be. These are two important spaces
(01:15):
that you can go to to find out information for free.
And we're going to talk about our three and one
seminar today because it's going to help a lot of people.
Also visit our website Maggie tax dot com. Be sure
to watch our TV show every Sunday at ten thirty am.
It's about education and we have a lot of topics
to talk about today, so let's get going, Chris, and
(01:35):
you know, I'm excited about this because we put a
three and one seminar together. It's been very successful. We
talk about a state planning, social security and taxes and
a lot of advisors out there aren't doing any of that,
and I can tell you from the results that we've had,
as you know, it's been very well received.
Speaker 3 (01:50):
Well that's just said, so welcome everyone. I'm Chris Maggie
and thanks for tuning into our show. And you know,
each and every week we talk about education and if
you're not working with a complete planner, you're missing the
boat because most advisors out there just deal with investments,
and really, you can invest your own money. It's not
that hard, really, but most people don't complete the rest
(02:10):
of the story. And there's income planting, and there's tax planning,
there's investment planning, there's social security maximization planning, and then
what we're talking about today is a state planning. So
what's a state planning? And what documents do people need
in Florida?
Speaker 2 (02:23):
And that's a big question because a lot of people
Chris bypass it. I believe sixty percent of the American
people don't even have a will, and that's sad because
when you pass away, you want to make sure that
your assets are titled correctly. We talk about this every
time about beneficiary designation and make sure it goes to
who you want. So when you go up to heaven
and you're looking down, what is your family picture going
(02:45):
to look like? Is it going to look like people
are fighting or people are just you know, relaxed and
got everything the way you want it. And that's important.
So what state planning documents do we need in Florida.
Let's talk about that. So a state planning or enhance
planning applies to all of you. And I'm not you know,
I don't care how old you are, but it applies
to all of you. So register today at Maggie tax
(03:06):
dot com, click on seminars and all the locations and
times are listed, and we do the seminar at libraries
because it's about education, and like Chris said, we educate
a lot of people throughout, you know, the week, and
throughout the year and throughout our career because it's about
learning the language and understanding what to do. So a
library is a great place to learn. And another reason
(03:27):
to attend is what I give you all a free
copy of our first book that we wrote. Stop funding
Uncle Sam's retirement and get a plan that's simple and
easy to understand, and we call it the Maggie Plan.
It's a tax plan, it's an income plan, it's an
investment plan, and more importantly, Chris, it's a legacy plan.
So there's a lot that we're offering there, and it's
very easy to attend, and it's like ninety minutes, so
(03:48):
why not show up?
Speaker 3 (03:49):
Absolutely, So visit our website at Maggie tax dot com.
There's so much information right there, So let's discuss what
documents are required in Florida. There are a handful of
things that need to be sorted out before you can
set things in stone to ensure that everything goes smoothly.
You want to avoid the probate process, and you don't
want to go through probate if you don't have to.
(04:09):
And most people they just don't know what they don't know,
and they just think that's just the process. But it
doesn't have to be that way. So, as I talk about,
things have to go smoothly, but it can be a
lot for a single person to keep track of and
not everyone may understand the terminology that's involved. So that's
why you need to meet with the right advisor. That's
why Magita's advisory is here to let you know what
(04:30):
documents are needed for a state planning and an explanation
of what they're for. So we work with a national
group of attorneys to get all the documents that you need.
Every situation is different, but the question is what is
a state planning? And here's a brief summary that once
you go into that and talk about what a state
planning is sure.
Speaker 2 (04:48):
And again a lot of people don't spend a lot
of time on this, but you know it's something that
you have to think about. So what is a state planning?
So a brief summary that make this easy. Things can
happen that may put us in a s situation. We're
unable to communicate our intentions when it comes to our
assets or our own well being. So whether it be
from a sud disability and inability to speak freely or
(05:10):
the act of passing, there are a number of reasons
that could cause you to relinquish control of your say
in things that you want to have done, not someone else.
So a state planning prepares you for these outcomes by
setting your wishes in place should any of these things occur.
And Chris, not when someone sitting on a hospital bed
in a coma, or you know, dementia sets in before that.
(05:33):
That's what this is all about. To take the time
to sit down and do it. And you'd be surprised
how many clients have we met that sat down and said, Wow,
I didn't think it was this easy, but I'm so
glad I did it now absolutely.
Speaker 3 (05:43):
I mean, we just met with a beneficiary of a
daughter who mom passed away just last week. And you
know we met with them two years ago. Do the
estate planning side of the whole complete plan and guess
what she came in. She had a death certificate, she
was the beneficiary with her brother, and guess what. Things
passed smoothly as can be, and that can happen for
(06:04):
you as well. In a state, planning or estate planning
involves a few types of documentation to ensure that the
results that you desire. Each of these papers covers your
rights in their corresponding fields and you can enjoy the
peace of mind by getting it all down in writing.
That's what it's about. But also you have to make
sure that things are notarized. Just keep in mind that
(06:25):
it's important to avoid common estate planning mistakes since you
won't be able to fix them after it's too late.
So such documents are your last will and testament. This
is often seen as one of the most important documents
that you can sign. Your last will and testament will
make sure that your assets go to the people that
you want them to go to. This can also be
used to designate specific people to be the guardian of
(06:45):
your mind and children. Without this document, there's no guarantee
that your wishes will be fulfilled after you pass register for.
Speaker 2 (06:52):
US seven are we do a state planning segment on
that to help you. We have a nice marketing piece
that will give all of you to kind of fill
in the blanks. Who's going to get what? How does
it work for a husband and wife, the whole thing.
So register at our website, Maggie Tax dot com. That's
what we're talking about today. I invite all of you.
It's very simple. Go to Maggie tax dot com, look
for seminars and the dates are there for August and
(07:14):
it's free. There's no cost, there's no obligation. But the
bottom line is we have done this and I have
done many seminars in my career. It's about education. So
if you're coming to a seminar to get educated, we're
at the right place because it's at the library. Please
don't come to a seminar and it expect to be
sold something. That's not the way it is christ And
to me today, the language and the education is so
(07:36):
important for everyone listening to today's show.
Speaker 3 (07:38):
Well that said, so that's why we do complete planning.
We call it the Maggie Plan. It's a tax plan
and it's an investment plan, it's an income plan, it's
state planning. You know, it's legacy planning, it's so security
maximization planning. And we're talking about today in this topic
here at State Planning, and you know we do complete planning,
so we can help you in a lot of different ways.
Let's discuss what a living trust is sure, and this
(07:59):
is one of the questions we get all the time.
So how can you make sure that your positions are
going to be distributed how you wish?
Speaker 2 (08:05):
That's the most important thing. And you can personally choose
someone that you know to be the trustee to handle
all of your assets for you after you pass, to
give you greater peace of mind. It says like speak
from the grave. So you are also able to change
your designation with to designate a trustee as many times
as you'd like, for as long as you are alive.
(08:26):
And here's the question. As you put a trust together,
you have a trustee, but you can change them. You
have full control, right, you can buy, sell, you can
still manage the whole trust. But it's more protection for
you because you're doing it.
Speaker 3 (08:39):
And what's really important is that a trust avoids probate.
And also it's private, so God forbid you passed away.
Something happens to you people out there, it doesn't have
to go through the probate process. It's not public data.
It's private, so no one's going to know what you
have and what your wishes are. So that's why it's important.
These are some of the documents that we're talking about
when you talk about estate planning and enhance planning. So
(09:01):
pick up the phone, schedule a time to meet with us.
If you don't have a will, you're looking for questions
about a trust or state planning, we have the attorneys
here to help you. Eight three to three magi tax.
That's eight three to three Maggie tax. So what are
other documents that are part of the estate planning process?
Speaker 2 (09:17):
Another document is a power of attorney. So if you
are ever in a situation where you are unable to
make important decisions yourself concerning your property, financial matters, and
other assets, a power of attorney can make those decisions
on your behalf. So you would want someone that you
could absolutely trust to handle such important matters. And this
(09:37):
document will establish who will be your power of attorney
should you ever need one, and Chris, this is the
documents that people missing that we see all the time.
Speaker 3 (09:45):
That's right. So let's talk about healthcare directives. So setting
up your healthcare directives is almost like having a power
of attorney, but for medical concerns, you can state what
types of treatment you do and do not want, what
surgeries you approve of, whether or not you would like
to donate your organs, and so on. So since these
concerns are something that's very personal to you and it's
your own body, it's very important to have such matters
(10:07):
clearly written. So reach out to us at Maggie Tax
Advisory and Financial Group. We can help you. We can
help and help you in a lot of different ways.
Make a preserve your family harmony, and protect your legacy.
That's what it's about. So we have a question for
all of you. How often do you play the estate
game in your lifetime? How do you know how well
you did? You're never going to know until you actually
(10:29):
get it done. So that's why it's important to meet
with us. Pick up the phone, schedule time to meet
with us eight three to three MAGI tacks.
Speaker 2 (10:36):
Be sure to register for US seminars. Go to Maggie
Tax dot com right now hit seminars. You'll see the
seminars coming up in August and every month after that.
So it's up to you get educated. What's trying to
help everyone out there? Eight three three Magi Tax and
don't forget. Every Sunday at ten thirty watch your TV
show on ABC, The Magi Tax and Financial Show.
Speaker 1 (10:57):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma Ggi Tax dot com or call eight one three
(11:19):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty now your host for
the Maggie Tax and Financial Hour, Father and son from
Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 3 (11:34):
Hey, yous tuning into the Maggie Tax and Financial Show,
and welcome back everyone, And today we're talking about how
to create a financial plan with your partner and we
get to seach in every week. How do we put
together a plan, What do I do? Where do I go?
Where do I even start? Well, those are great questions
and that's why we're talking about today. So pick up
the phone, schedule time to meet with us. Visit our
website at Maggie tax dot com. There's so much information
(11:57):
right there. Register for our three in one seminars. We're
talking about investments, we're talking about enhance planning, state planning,
social security planning, tax planning. Oh my gosh, there's so
much information right there for you. So and also schedule
time to meet with us eight three to three Maggie Tax.
So how do you create a financial plan?
Speaker 2 (12:15):
Dad?
Speaker 3 (12:15):
Let's just talk about one of the couple things that
they can do, some small things that they could do
to get going on this journey.
Speaker 2 (12:22):
Well, the first thing is to me with an advisor,
I like Maggie Tax, who can go over this with you,
compare the plans. And by the way, if you don't
have a partner, this doesn't eliminate you because if you're
a single and you have a plan, we can help
you with it. So we don't want to eliminate that.
But the point is that people disagree on a lot
of things when it comes to retirement planning. Chris talked
about it before. Income planning, tax planning, social security planning.
(12:43):
We do our TV show and we get many calls
on Monday that they did not know some of the
questions that we brought up on the show. So we
encourage you to watch our TV show every Sunday at
ten thirty on ABC. But here's the problem. The old
rules of retirement have changed, Chris. Many people out there,
older people you know, always you know save the same way,
but today the rules have changed. The Secure Act change
(13:05):
the requirement of distribution for people who have iras in
four to one case. So for the best chance of
meeting your goals, both of you have to have a
clear understanding of where you currently stand from a money
related standpoint. That question means how much do you need
if you retire, when you retire, and how we going
to get it? And I think, Chris, people don't understand
what we talk about bucket planning and what that means
(13:27):
to them. And that's you know, old rules don't apply
to that. It used to be take four percent out
and let last for whatever. That is not the way today.
Planning is correct.
Speaker 3 (13:37):
That's exactly right. I mean, there's old rules and there's
new rules to retirement. Think about the old taxes the
new taxes, right, the income buckets versus the new income buckets.
There's strategies out there to enhance what you have. And
if if you're with your current advisor and then just
showing you how to invest in the market and mutual
funds and stocks and bonds and that's it, guess what
they're missing the boat because there's tax planning there, there's
(13:58):
income planning, there's a state planning, there's SOLI security maximization planning.
Just for those things alone that if your advisor is
not even talking about, then guess what you're missing Some
opportunities out there, and you will miss opportunities in the
future because things are not right. So that's why it's
so important to prioritize and arrange your collective goals. Once
(14:19):
all of your goals have been discussed and pulled together,
the next hurdle is to come into an agreement on
which goals should be prioritized first and which ones can
wait a little longer. I met with a couple last
week and they were talking about they have a home,
they have a beach house, and their mortgage on there
and their two million dollar home was eight thousand dollars
a month. Right, it's a big, big liability. And they
(14:41):
talk to me about what should they do, and should
they sell their home and should they down size to
make it more efficient on their income during their retirement years.
And they both actually came together and made a decision
right there because they were able to talk about it
and guess what it's going to enhance their plan and
with the pro seeds from the sale of the home,
now they can put together a bucket plan where they
(15:04):
can generate income for the rest of their life they
don't have to go back to work. So just understanding
how all this works is so valuable, and that's why
you should meet with us eight three to three Maggie
Tax And that's why we do income planning, tax planning
and estate planning and enhance planning, so both of you
have the best plan for yourself and also your family
moving forward.
Speaker 2 (15:24):
You know, I think what you just said before about
that couple, they were afraid to talk about it because
they had so much and thinking that they were on
safe ground. But there was a lot of obstacles in
the way that we uncovered for them, and again the
old rules of retirement don't apply. So that's the educational
part that we gave them. And this step can be
the start of many arguments between partners where they don't agree.
(15:45):
But overcoming this difficult part is essential in coming up
with the best strategy that meets both of your deeds,
even if some compromises are required in the process. That's
what it's going to take, a compromise on both sides only, Chris,
because they don't understand. They don't understand the rule. And
again that's why we do the seminar because a state planning,
tax planning and social security planning plays an important part.
(16:06):
And there are questions that we get that are unbelievable.
Speaker 3 (16:10):
Well, I said, you know, we sound like a therapist here, right,
I mean across he go right, it's crazy because but
it goes back to everything, especially the financial side of things.
That that's one of the topics on most divorces and
family problems is the financial side of it. But if
you can agree on a budget, and many people out
there don't even have a budget, well we can help
(16:32):
you with that. We can start with that. It could
be the main reason why you argue about this, and
that's why we do a budget sheet with you and
it will surprise you on what you're currently doing and
what you can do and by just making a little change,
and especially in retirement as well. It's not like you
have to have less income in retirement. It's not like
you have to totally make a drastic change in retirement
(16:54):
just because now you're not working. You don't have to
do that. You can Actually it could be actually the
other way, where you spend more inronment because if you
take income from the most the best sources, it could
be tax advantage income to you. And many people don't
know that.
Speaker 2 (17:07):
We'll stay with that for a second because one of
the things we talk about is the income gap when
you do planning like we do, think about if they
both get sold security or one gets a pension to
fill that void. Let's say they need five thousand and
it comes to three thousand, they're only looking for two grand.
And most of the time that we see with their investments,
they have it's there, but they don't know how to
take it.
Speaker 3 (17:27):
And on a tax favored basis, let's just say, you know,
you hit it on the head. If there's two thousand
dollars income need. We talked about this earlier on the show.
The client who came in their advisor simply said, yeah,
we'lllet's give you that two thousand dollars a month from
your IRA. Meanwhile, guess what it created tax liability. They
didn't have to do that. So when we looked at it,
(17:47):
we said, well, let's just take five hundred dollars from
your IRA, Let's take fifteen hundred dollars from this source
where it's non tax, and let's take income from here.
Guess what. They didn't pay any tax.
Speaker 2 (17:58):
I mean.
Speaker 3 (17:58):
So they looked at me and I said, well, that's
not right, Chris Well, I said, no, it is. Let
me share the tax turn So we did, and they
were just blown away. They said, how come my advisor
did not show me this. It's very simple because all
they do is investment planning. They don't do tax planning,
investment planning, complete planning like we do. And that's why
you're listening today. You need to attend one of our
(18:19):
three and one seminars to get educated. Number one, number two.
Come on in schedule time to meet with us. We
have offices on both sides of the Bay to help you.
If you have questions, we can help. There is so
much there, that's why we call it the Maggie Plan.
It's income planning, tax planning, investment planning, social security maximization planning,
(18:41):
legacy planning. Guess what a state planning? Do you have
all your accounts in order? If you don't know, then
now's the time to pick up the phone, schedule time
to meet with us. Eight three to three Maggie Tax
and don't forget. Every Sunday on ABC TV, tune in
for the Maggie Tax and Financial Show eight three to
three Magi Tax.
Speaker 1 (19:00):
Stop planning for Uncle Sam's retirement and start planning for
your retirement. As we return to the Maggie Tax and
Financial Hour with your host, father and son Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma Ggi tax dot com or call eight one three
(19:23):
three two two twenty five twenty. That's eight one three
three two two twenty five twenty Now your host for
the Maggie Tax and Financial Hour. Father and son from
Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 2 (19:39):
Hello again and welcome back to the Maggie Tax and
Financial Show, and thanks for joining us today. Be sure
to visit our website, Maggie Tax dot com and register
for a free seminar we call it three and one
on estate planning, tax planning and Social security planning. Why
because you need answers to questions about a will and probate,
and about taxes and retirement and also social security. So
(19:59):
to we've been discussing how to create a financial plan
with my partner or if you're a solo, the same thing,
because you have to have answers to your question. So
one of the things we talk about agree on a
shared budget. Many of you do not have a budget,
and that could be a main reason why you agree
but argue rather, but this is what we do. So
a budget will make you agree, not argue. We've seen
(20:22):
it so many times because many people say, well I
don't work with a budget. Well you should, because then
you can find out what discretionary money you have. And
that's where Chris and I talk about this all the time,
what you can do with it, because maybe just need
to reposition some money from the left side to the
right side, and you know it's a better plan.
Speaker 3 (20:38):
Chris, Well, that's just say you know, budgeting is important.
We had met with a client last week and they're
very good on budgeting. And when we first met them,
they had no idea where their money was going. But
they sat down, they put a simple budget together and
they know where they're spending their money. That's how simple
it is. And now in retirement they are taking ownership
on what they can do. So when they have all
(21:00):
their bills paid, they can have income checks come in
and play checks come in. And a play check is
just another income stream that you will get for the
rest of your life, like a pension plan pension income
where you will never outlive your money. And these are
play checks that they can spend each and every month
for the rest of their life. And that's a great thing.
(21:21):
When you can budget and then have an income plan
and a tax plan and also an investment plan. I mean, gosh,
what else. So you're going to be worried about if
you have that in place. That's why it's so important.
We recommend that you meet with us. Pick up the phone,
schedule time to meet with us, get the Maggi Plan.
It's tax planning, income planning, investment planning, stay planning, soci security,
(21:41):
maximization planning, and don't forget. Every Sunday on ABC TV,
tune into our TV show at ten thirty AM for
the Magi Tax and Financial Show.
Speaker 2 (21:50):
You know what we see is all of us work
maybe forty to fifty years, and we save and we
put money away, and we pay our bills and we
go on everyday life. But when you get to retirement,
it's it's the same thing. You have to have income planning,
tax planning, social security planning to figure out how you're
going to enjoy retirement. So the next hurdle will be
agreeing on how much of the income or funds that
should be allocated to each goal or budget. What's funny
(22:13):
about that. I'll get a spouse that wants to buy
a car, and you know, no one wants to buy
you know, some jewelry or something, and they're arguing about
it at the table. But the point is, if you
have discretionary money, then you can do whatever you want
with it. So it may take a long time to
work out the details in this step, and may even
span a couple of days' worth of discussions. Because look,
you're getting ready to retire, you're going to retire for
(22:35):
a long time, and you have to have it right.
So the important thing is to keep working together until
you both come to a mutual understanding and don't forget
to set aside a budget for emergencies. Chris. The budget
where when we bring it to people's attention, it's almost
embarrassing when they say we don't have one.
Speaker 3 (22:51):
Yeah, and it's not a lot of work. It's very simple.
When the form that we put together for our clients,
it takes literally twenty minutes if you sit down one
night or one day and just do it together, and
then after that let us take it from there. We
can show you how to how to get the income
to take care of your budget, and also on top
of that have what my dad mentioned before, the discretionary
income each month to come in. We you can spend
(23:12):
it and have a good time. And you want to
go by a purse, you want to go buy a jeweler,
you want to go travel on a cruise, you want
to go see your kids, you want to play golf,
whatever it is, you can use those discretionary funds to
keep doing it for the rest of your life, and
that's what retirement's about. Enjoying it and making sure that
the financial set making sure that if anything happens to you,
that everything's going to pass the way you want to,
(23:33):
but also enjoying yourself and not having the worry and
the anxiety that the financial aspect will bring. And that's
what we talked about early on in the show, and
most divorces and most arguments with partners and spouses and
husbands is financial, and it doesn't have to be that
way if you both are on the same page. So
as my dad mentioned, you know, the important thing is
(23:54):
to keep working together until you both come to a
mutual understanding. You know, don't forget to set aside a
budget it and make sure you meet with the right
advisor who can look at taxes, income is stay planning
and investments all together. And that's what we do at
Maggie Tax Advisory and Financial Group eight three to three
MAGI Tax schedule time to meet.
Speaker 2 (24:12):
With us, and we call it a puzzle because there's
many pieces to it, but discuss who's going to bear
which responsibility. So carrying out a financial plan can be
a bit much for a single person to handle alone.
And they need help. So you're going to need someone
to be responsible for making the payments and another person
to keep track of the budgeting to make sure you're
on track. Very important. You may also want to allocate
(24:33):
the best speaker to handle communications with financial institutions should
the need arise, because basically everyone needs to play their
part from beginning to end. The thing that I see
a lot is when two people talk, no one's listening.
And when you talk about financial planning and retirement planning,
you have to listen to both sides because that's what's involved.
Chris and you know, I've been married to be almost
(24:55):
fifty years, and your mother and I always argue about things.
That's a normal thing. But when it comes to out
to beer bones, we've got to come to the final
decision and say, Okay, this is what we both want
and then execute it because that's the right thing to do.
Speaker 3 (25:06):
Well, that's it. So that's why meeting with the right
advisor is so crucial, so important. And when you're seeking
an advisor, anyone can do investments. So there's the retail
side and there's also the institutional side. You want to
meet with someone who's a fiduciary and someone who's on
the institutional side of investing, and also someone who does
tax planning and the state planning. That's what we do.
(25:27):
That's why we call it the Maggie Plan. So that's
why having a complete plan is important. And having a
trust or a will can make the distribution of your
accounts a lot easier, the titling of your accounts, the
proper beneficiary designation. My gosh, there's so much there to
talk about that I guarantee you that your current advisor
is not talking about. I give you a quick example.
(25:48):
I went to the bank a credit union a couple
of months ago, and I wanted to set up an account,
and it took twenty minutes. We set up an account
and I got up and they told me, hey, mister Maggie, congratulations,
welcome to the bank. And I said, well, by the way,
is this account going to avoid probate and go to
my wife and my two kids? And they said, is
that what you want? And I said, yes, that's what
(26:09):
I want. So we sat back down and explained to
them what I do and they said, well, we're not
trained that way. We're not trained to open these accounts
to make sure that they're at a transfer the right way.
And it was very alarming when I saw this, and
this is what we see each and every day. So
I guarantee you that you're listening today. If you have
a checking account, a save Me's account, an IRA A
four to one k oh four one k's life insurance,
(26:32):
do you have all these accounts set up the right way?
And if not, no problem. Just pick up the phone,
schedule time to meet with us. Let's put together your
balance sheet. Let's look at everything for you on one
piece of paper, so you can make it simple and
easy for you to understand. That's why we call it
the Maggi Plan eight three to three Maggie Tax eight
three to three Maggie tacks. Get the Maggie Plan, man.
Speaker 2 (26:53):
You hit it on the head, good lord. That's the
reason why we do this. Seven are But that is
why having a will or a trust can make the
distribution of your accounts a lot easier. Many people don't
see that until someone passes away. So register for one
of our three and one seminars on a state planning
that we're talking about social security planning and tax planning.
And let Maggie Tax take the arguments out of your
(27:13):
life have. We have regular meetings to track your progress,
and we meet with our clients as often as necessary
because things change. Things change in many ways, you know,
daily life. You know, from day to day things change,
and it's easy to lose track of financial progress, especially
when they consist of long term goals. So don't be afraid,
you know, we meet with our clients as often as
(27:34):
we need to, not just once a year. Many clients
tell us they don't even meet with their advisor, and
that's why it's up to each partner to help the
other stay on course. And having regular meetings, even if
it's just bi weekly or once a month, can give
you the chance to reassess your situation and make any
changes if you need to in a good way. And
rather than arguing which I don't like, or dealing, you know,
(27:57):
dealing with punishment for veering off course, it can be
more productive to remotivate each other with reminders of how
rewarding it's going to be to reach your financial goals.
And Chris, that's what's going to make retirement, you know,
comfortable for everybody. Gosh, you work so many years every
day in the grind you know, going to work, driving
to work, traffic, you name it. And then you get
to retirement and you should be retired.
Speaker 3 (28:19):
That's it. I mean, you work hard, you put together,
you did the right thing again. Now you need to
complete the right thing and that's what's called the distribution phase.
There's the accumulation phase in retirement, there's also the distribution
phase and most people that's the second half of the
story and the second half of the game. The distribution
phase where they mess up, and that's where taxes erote it.
(28:40):
Making the wrong decisions where you take the money can
erode your retirement and that's where you don't want to go.
So create a financial plan today. Make sure that you
both you and your spouse, or even if you're single,
it's no problem. You need to have a plan. It's
easier if you're single. But at the same time, if
you have a spouse, you need to make sure that
everything is on the right path and we.
Speaker 2 (29:01):
Can help you.
Speaker 3 (29:02):
So pick up the phone and schedule time to meet
with us. Eight three three Maggie tax. That's eight three
three Maggie tax. Schedule time to meet with us at
one of our three locations, or just schedule time to
come to a seminar, the three and one Seminar Education,
Get the Maggie Plan, tax planning, incomplanning, investment planning, social
security planning, a state planning. That's what we do.
Speaker 2 (29:23):
And just remember this show is about education. It always
has been. I've been doing this for almost thirty years.
And you know. When you know and you understand the
rules of the game in social security and tax is
a state planning, then you're going to understand what the
right thing to do. Don't take a guess. It's not
the old thing where you just throw it at the
wall and enough sticks. It doesn't work that way. So
(29:44):
when we do the three and one seminar, a state planning,
tax planning, and social security planning, just think about it.
Without a will, a probate court and the estate decide
what happens to your assets when you're gone. And many
of you know this because you've lost a mother or father.
What about your tax bill? Your tax bill and retirement
can be too big. In thirty seconds, we're going to
(30:05):
show you what your tax bill will be if you
have an IRA four oh one K, even a TSP
or any tax deferred retirement account. You're gonna want to
know what your tax bill will be. Go to my
website Maggie Tax dot com. On the top right, click
on retirement tax bill, fill in the information. Thirty seconds
you're going to get a report and then pick up
the phone and give Chris and I a call and
let's get together and go over it with you. Maggie
(30:27):
Tax dot com. And our website is Maggie Tax dot Com.
Seminars videos retirement tax bill. And then the last thing
about social Security, you know can be confusing with the FRA,
the cola Ierma, you know what does it all mean?
And at Maggie Tax, Social Security and Tax Seminar, we're
going to cover all of this, So give us a call.
Eight three three Maggie Tax. Don't forget watch your TV
(30:49):
show every Sunday on ABC TV at ten thirty. And
most importantly, register for our three and one seminar. Go
to Maggie Tax dot com the seminars, click on it
and then you can see the summinars there on register.
Eight three to three Maggie Tex. That's eight three to three,
Maggie Tex.
Speaker 1 (31:05):
Stop planning for Uncle Sam's retirement and start planning for
your retirement as we return to the Maggie Tax and
Financial Hour with your host, father and son, Robert and
Chris Maggie. For additional information on how you can create
a tax free retirement, visit Maggie Tax dot com. That's
ma gg I tax dot com or call eight one
(31:27):
three three two two twenty five twenty. That's eight one
three three two two twenty five twenty now your host
for the Maggie Tax and Financial Hour, Father and son
from Maggie Tax Advisory and Financial Group, Robert and Chris Maggie.
Speaker 3 (31:43):
Welcome back everyone. Thanks for tuning into the Magi Tax
and Financial Show. And don't forget every Sunday on ABC TV,
tune into the Magi Tax and Financial Show. It's thirty
minutes education and we're right on TV on ABC TV
at ten thirty am on Sundays. And there's so much
information right there to help you. If you have questions,
pick up the phone, schedule time to meet with us.
There's so much to talk about. Worried about tax planning,
(32:04):
income planning, investment planning, a state planning, legacy planning. That's
what we do, complete planning. If you're looking for a
holistic advisor, someone's going to help in a lot of
different ways, and look at everything we can help. If
you have a transactional advisor right now and you're just
stuck and you don't know if they're doing the best
thing for you, let's get a second opinion. Pick up
the phone, schedule time to meet with us. Eight three
(32:25):
to three Magi Tax. That's eight three to three Magi Tax.
Speaker 2 (32:29):
And many of you know that the Trump tax cuts
are going to expire soon, and we talk about this
all the time, So we have an IRA four oh
one k or TSP. You will have a huge tax
bill to pay the irs. And what Chris and I
are talking about every time we meet with someone is
how to avoid this. Check out my retirement calculator at
Maggie tax dot com and in thirty seconds you're going
(32:49):
to see what your retirement tax bill will be. But wait,
how would you like to reduce or eliminate your state taxes,
pay no capital gains tax, and receive more guaranteed income
over your lifetime. These are the questions that Chris and
I get every day. So pick up the phone, give
us a call eight three to three Maggie Tax. Visit
our website Maggie Tax dot Com. Register for one of
(33:10):
our seminars coming up every month throughout the year, and
also check out the Retirement Calculated. But here's the thing,
and Maggie Tax. We always discuss proven strategies and concepts
that work. And that's why, Chris, when we sit down
with the client and we show them what we always
do every day, it's it's something that we've done many, many,
many times, and they sit up and they go, boy,
you know what my advisor never told me that. Well,
(33:32):
we know that. That's why you're here. So what is
your biggest fear? Are you worried about income tax? Are
you worried about are you worried about out leaving your money?
What are you worried about? So today we want to
discuss a few that would we would recommend. And it
all depends on each individual situation, Chris, because each individual
situation is different. But one thing people say, well, I
don't have enough money. Anything you have is enough money,
(33:55):
right because they saved for what. That's that's confusing.
Speaker 3 (34:00):
I mean, I mean you have money, you saved and
maybe you don't have enough, maybe you do. It doesn't matter.
I mean, we don't put together one plan for everybody.
One size does not fit everyone, and there are advisors
out there that that's what they do. They do transactional
and what happens with transactional advisors is that they just
put the same thing in front of everybody, and it
(34:20):
doesn't fit everybody. And that's why when you come to
Magge Tax Advisor and Financial Group, we're going to put
together a plan for you. And what we mean by
that is we're going to customize this for you and
want to listen to you. We're going to talk about income.
We're going to figure out how much income you need.
We're going to talk about budgets. We're going to talk
about buckets of money for safety, buckets of money for
risk buddy, buckets of money for taxable or tax free accounts.
(34:42):
This is what we're talking about here. We're going to
wrap it up where everything you have is going to
stay in your family. It's going to go to your
family members on the most tax efficient way. That's what
it's about. So when you come to meet with us,
that's why we need to see you. We need to
talk to you. We need to figure out what's best
for you, what's on your mind. My dad mentioned this
before if you have questions and stuff is keeping you
up at night, what are you doing about it? Write
(35:04):
those questions down, Come in and meet with us. We have,
obviously on both sides of the day, to help you.
Eight three three Maggie Tax. Pick up the phone eight
three three Maggie Tax.
Speaker 2 (35:12):
And one thing that I will say, maybe we can help,
and maybe we can't, but I will promise you this.
If we can help, then we're gonna explain why, and
then you make the decision on why you should do it. However,
if we cannot help you and we see that what
you have is fine, that's what you want to know.
Second opinion, that's what we talk about, and we're gonna
let you know so you have a clear future. Give
(35:33):
us a call. Eight three to three Maggie Tax. Visit
our website Maggie tax dot com. There's a lot of
videos on there, short videos. You can take a look
at it before you come in. Get an idea what
we're gonna do. So let's get started. Eight three three
Maggie Tex Maggie Tex dot com. Yeah, let's talk about
some tax strategies. You know, that's what it's about. Taxes
are our biggest expense.
Speaker 3 (35:52):
So let's talk about ways where you can reduce your
taxes and help you maximize the income. And we heard
a lot about this because many people out there want
to maximize their income, but how do you create these
tax deductions or how do you go about finding a
way to reduce your taxes? And most people they really
just don't know what to do. But we do tax
(36:13):
planning all year round, and maybe your advisor or even
your CPA, they don't recommend tax planning strategies. I met
with a couple people last week and we talked to
them about what is your advisor talking to you about
with taxes? And they look at each other and they say, well,
not nothing. We get no tax advice from my advisor
for the past ten years that we've been with and
that's why they're here with us. They want to encompass
(36:35):
a whole plan. So when you meet with us, we're
going to put together an income plan, a tax plan,
an investment plan, and a state plan and make sure
that you have more income in the most tax efficient way.
Speaker 2 (36:44):
So pick up the phone eight three to three, Maggie
tax and you don't need to study for hours on
end to be an expert on taxes before you can
reap the benefits. And just remember when the Trump tax
cuts expire, it's going to cause a lot of confusion.
The language is going to be different, and that's what
we do. So here's an example. All of you go
to Magi tax dot com, click on the retirement calculator
(37:05):
at the top, fill in your information. It's going to
take you like thirty seconds, and how much you have
in the IRA of four to one k or a
TSP if you're a federal employee. But in thirty seconds
you're going to receive your own retirement tax bill. And
why is this important? Because you're going to see at
what age you have to start taking out D, R
and D and your advisors not talking about this. Then
we can meet and share some strategies and concepts to
(37:28):
minimize your taxes. That's one strategy that you can use
right now at Magi Tax. We want to show you
two simple strategies that can help you maximize your taxes.
Become a tax free person with a Wroth conversion or
strategies and concepts that we use to reduce your taxes.
Speaker 3 (37:45):
And that's where when you come in to meet with
us it's about planning. It's simple. I mean, when you're
come in to meet with us, we're going to talk
to you. We're gonna want to ask you a lot
of questions. You know, we want you to be open minded.
We want you to let us know what you're looking
to achieve, and let's even accomplish that. There's many strategies
here that we can help you with. And if you
look at reduce your taxes, maybe there's ways we can
(38:05):
create a tax deduction to offset some money that comes
out of your IRA to convert to the roth IRA.
Those things happen. We do it all year. That's what
we do each and every day. So when you come
in to meet with us, we're going to help you.
We're going to show you a plan. That's what we
call the Maggi Plan. Income planning, tax planning, investment planning,
social Security maximization planning, Medicare planning, estate planning. My gosh,
it's all right there. Eight three three Maggie Tax. We
(38:28):
look forward to meeting with you. Eight three three Maggie Tax.
Schedule appointment today. Visit our website at Maggi tax dot com.
We thank you so much for listening to an in
next week for the Magi Tax and Financial Show.
Speaker 2 (38:38):
You've been listening to.
Speaker 1 (38:39):
The Maggie Tax and Financial Hour, discussing tax planning investment strategy,
is presented by Robert and Chris Maggie from Maggie Tax
Advisory and Financial Services with offices in Hillsboro and Panelas County.
Visit Maggi tax dot com or call eight one three
three two two twenty five twenty. That's eight one three
three two two t five twenty and tune in next
(39:02):
Saturday at five for the Maggie Tax and Financial Hour
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