Episode Transcript
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Speaker 1 (00:00):
Securities and investment advisory services offered through Osaic Wealth Inc.
Member finraw as IPC oasaic Wealth is separately owned and
other entities and or marketing names, products or services referenced
here are independent of Osaic Wealth. Madison Wealth Managers and
Osaic Wealth Inc. Are separate and unrelated companies. Information provided
is for illustrative purposes only and does not constitute investment,
tax or legal advice. Information has been obtained from sources
(00:21):
deemed reliable, but its accuracy and completeness are not guaranteed.
Neither Osaic Wealth Inc. Nor Madison Wealth Managers accept any
liability for the use of the information discussed. Consult with
a qualified financial, legal, or tax professional before taking any action.
Any opinions expressed in this form are not the opinion
or view of Osaic Wealth Inc. Information in this illustration
has been obtained from sources believed to be reliable and
are subject to change without notification. The information presented is
(00:44):
provided for informational purposes only and not to be construed
as a recommendation or solicitation. Investors must make their own
determination as to the appropriateness of an investment or strategy
based on their specific investment objectives financial status and risk tolerance.
Past performance is not an indication of future results. Investments
in vol of risk and the possible loss of principle.
Speaker 2 (01:04):
You are about to experience the planning for Prosperity shows
three two here.
Speaker 3 (01:14):
Because the flag still stands for freedom.
Speaker 4 (01:19):
Away.
Speaker 3 (01:20):
Yes, yes, is it a mix?
Speaker 4 (01:25):
Is it a mix or no? Mister producers say nothing
right now.
Speaker 3 (01:29):
Well, it's a certain weekend.
Speaker 4 (01:30):
This is not what it was supposed to be though, Michael,
you just.
Speaker 3 (01:34):
Admitted to colluding.
Speaker 4 (01:36):
Well, we had happy Memorial Day weekend everyone. Daniel Polanski
Brown Managing Director, Michael Brown of these Madison Wealth managers,
welcome avoid the cruise ship planning for Prosperity. Radio Hour
Style guys, big thank you again. You know we are
(01:58):
a please and thank you shop. Those of you that
with us, those of you that listen on these airs,
you know we are pleased and thank you. Chap. We
hope you take one moment and kind of let that
sink in, because from what we see in our world,
no one says please, thank you anymore. So I hope
your world's different, but I don't necessarily think it is.
(02:18):
So with that said, just want to say thank you.
You guys have been absolutely crushing, crushing the internet requests
and it really is the best way. Whether you do
not have the DoD version two point zeros, okay, whether
you don't have that's our estate planning work. We're allowed
to have opinions. You want us to have an opinions,
(02:38):
and in our opinion, it is our best estate planning work.
And it's professionally bound. It's that simple. It's meant to
last a lifetime. Now, you guys who have been just requesting, requesting, requesting, awesome,
thank you. Now Michael has added based on conversations with
you guys, because that's what this is all about. We're
we're serving you, we're educating you. That's it, period the end.
(03:02):
Michael has developed a couple of brand new white papers
and a big thank you because they are flying, flying
off the presses. Michael, just give it, give us a
quick summary. And again, guys, I'm gonna remind you www
dot Madisonmanagers dot com. That's www. Dot m A d
I S O N M A n A g E
(03:25):
r s dot com. You're gonna use one of the clickies. Okay,
it'll say send an appointment, don't be thrown off by that.
It'll say request info any of those just click on
them and then let us know. If you don't have
the dds, let us know. If you don't have the
New White Papers yet, let us know. And Michael right
now is going to tell us. And here's the thing, guys,
(03:46):
it's free. So don't don't think there's a hook, don't
think there's any anything along those lines. It's free. We're
here to educate. This is our commitment to you so
that you can say, boy, those guys actually are different
over there at Madison right.
Speaker 3 (03:59):
Because we have to be realistic and cognizant of what's
going on out there in the world. And I'm going
to tease the third New White Paper in a minute.
But when we see the fraudsters, the identity thieves, the scammers,
they're a step ahead of everyone. There are a step
(04:19):
ahead of the banks. There are a step ahead of
the mutual fun big box stores. So what we've tried
to do is prep you as to one. In addition
to which is in the DoD the twenty five documents
you need before you die, this is additional documents, additional thoughts,
(04:39):
additional areas that might be weakness right where the enemy right,
the bad guys can get in?
Speaker 4 (04:46):
And why did we do this bike? Because you wanted more?
Speaker 3 (04:51):
So it's again it is intuitive stuff, but we don't
always think of it.
Speaker 4 (04:58):
It's not though, Mike, I don't see. There you go again.
I don't think and I chastise Mike about this. I
don't think it's intuitive at all. I mean, of the
twenty five docs you need before you die, I may
argue five to ten maybe intuitive. I don't think more.
I don't think half or more are intuitive at all.
(05:19):
And these these are off the charts.
Speaker 3 (05:22):
So when you think about this, I am Dan's executor,
but Dan didn't have the twenty five documents you need
before you die.
Speaker 4 (05:32):
So it's a mess, right, it's a mess.
Speaker 3 (05:34):
It's a shoe box full of stuff, or a filing
cabinet full of stuff. And I'm trying to find out
where our monies, where are debts? Who do I contact?
What are we talking about in after tax money and
then pre tax IRA money? And we talk about things
as simple as a tax return gives you a lot
(05:54):
of that intel. Right, Where are we getting dividends? Where
are we getting interest? Where are we getting capital? Gains
that now if we don't know, that gives us, you know,
the breadcrumbs of how now you're figuring it out? What
other supporting documents in addition to the tax return? Did
you have any securities that were worthless that weren't taken
(06:18):
care of? What about hell savings account? Were you writing
off medical expenses on your tax return? Do you keep
your Medicare summary nottices which you should? Were you ever
divorced Dan, where's the divorce decree so no one can come.
Speaker 4 (06:33):
I'm going to give you one. And you know, well,
you know you are well aware of this. How about
those old school old timers that still have certificates?
Speaker 3 (06:44):
Don't if you if know about stock certificates, get that
into an account today, because getting those into an estate
account is a bit tricky.
Speaker 4 (06:57):
And if you are mom or dad and you're listening
right right now and you know you have those certificates, guys,
we could tell stories for as long as this hour
runs regarding where we've seen certificates come out of under
the bed, etcetera, etcetera. Guys, get those, get those in
a brokerage account. To Mike's point yesterday, let us know
(07:20):
we will do all the lifting, and not everybody realizes that.
Speaker 3 (07:23):
Prior to twenty twelve, investment companies were not required to
keep cost bases. So what if you worked for GE
your whole life, Dan, Right, you had the certificates, you
put them in the electronic account. How are we going
to find cost basis?
Speaker 4 (07:39):
Well, you're going to need a broker's estimate. Hence you're
going to need a broker. Right.
Speaker 3 (07:44):
What if I had, like many people, a mortgage, but
I've paid it off. Where's my notice that it's paid off?
Simple things like this, But they all become or could
become headaches when mom or dad are gone, or when
your spouse is gone. And that leads us to the
second white paper. What do I consider if my spouse
(08:08):
passes away? There's a lot more to it than we think.
Now this is Shall we call and add on to
one of Dan's favorite documents in the DoD what to
do when a loved one dies?
Speaker 4 (08:22):
Mine? It is? Well if it is my favorite. Everyone
you know that.
Speaker 3 (08:26):
But we keep going. Was your spouse taking required minimum distributions?
And did they take it in the year you passed away?
Speaker 4 (08:34):
I'll give you one, Mike, I'll give you one that
I think I'm hearing more and more about this as
we get out there, because it again, guys, listen, we'll
be brutally honest, and we should be, and I would
hope everyone would be, although people try to dance around it.
We like to grow our business. We want to bring
more of you on board. We would We want to
work with as many good people as are out there.
Speaker 3 (08:55):
Notice what I said there, that's the most important.
Speaker 4 (08:58):
Yes, we want to We want to work with as
many good people that need our help that are out there.
You know what, Mike, What I notice as we go
on the road more and more sitting down with you, guys, Mike,
there's a lot of individuals out there that are eligible
to make deductible IRA contributions on their tax return, and
(09:21):
they're simply not being asked by their accountants if they
did anything. Forget about, forget about the amount, forget about
and again, the average person, Mike, if you're out there
running a business, you have no idea. You have no
idea if it's deductible or not. Do I have to
tell my you know again, do I have to tell
my accountant? Do I not? Do they know?
Speaker 3 (09:42):
What is the irs going to require? Point being, no
one wants them to come.
Speaker 4 (09:47):
A calling point being Mike when you're doing a final return,
right for your loved one might be valuable, right, might
be really valuable.
Speaker 3 (09:55):
So you and I are married, I pass away, we're
five filing jointly. You can continue to file jointly in
that year, right, you don't have to take get in
the penalty box and being a single person again.
Speaker 4 (10:09):
No, that's a that's a really really that's a really
really good one. Are we done it? First segment?
Speaker 3 (10:13):
Already?
Speaker 4 (10:14):
Oh my gosh, guys, stick with us in the meantime,
look brand brand, brand new white papers. Thank you to
those who have already requested, big thank you to those
who are going to request. It's super easy, guys, www
dot m A d I S O N M A
n A g e r s dot com. Go there
(10:34):
right now, use your phone whatever it is, iPad thingy,
whatever it is, click on one of the clickie boxes
and just say, hey, grab me those two white papers.
If you don't have d D two point oh, send
me two of those. And they're all for free. They're
all on Mike's dime. We love that. We'll see it
right back.
Speaker 2 (10:50):
You are about to experience, the Planning for Prosperity show
A three two here.
Speaker 4 (11:06):
To or Toby Robing, what's the same roby Toby, Toby, Toby,
I'm sorry, Toby, Toby Keith rest in peace? Do you
know there? Listen? As as much as we love your
patriotic nature, and we're all patriotic here at Madison, Michael,
(11:28):
the most discussions around our musical interludes come this week
and fourth of July weekend. So since we didn't modernize
the way that I wanted to modernize, right in the
way that Mary you wanted to modernize, and we all
wanted to modernize, we will be modernizing, God willing for
the four for the fourth of July spectacular. We will
(11:48):
be modeling fair, we will be we will be tearing
back just a little bit. Happy weekend everyone, Happy Memorial
Day weekend. Guys gals out there, thank you for taking
time on your weekend to join us. As we always say,
if no other reason, respect our repetitions, there is never
a best of there's never listen. We don't miss work.
(12:09):
It's it's that it's at TIPPLEO.
Speaker 3 (12:11):
Don't jinx.
Speaker 4 (12:12):
Although I will got to say this get injured. Firstly,
guys www Dot Madison Managers dot com. You're gonna go
there for the D O D two point ohs. If
you don't have it, that's our bound to state planning work.
You're gonna go there for the brand new white papers.
You guys are requesting these. Again, I want you to
let us know you want them. If you don't say otherwise,
if you don't say right electronic format right, so in
(12:35):
other words, if you if you just say, hey, I
you know, send me these. Okay, We're gonna send these
out in tactile form. We're gonna we're gonna the best
way to do it right. We're gonna brush these up
for you. We're gonna spin them out the way they
should be spun out, and we're gonna put them in
traditional mail to you. So again, thank you for those
of you who have already ordered. Let's get it cranking
(12:57):
on this Memorial Day, and again, I think the best
way to it right now, while you're listening to us
in the background, just go to www. Dot m A
D I S O N M A N A G
E R S dot com and use one of the clickboxes.
It'll say set an appointment, request more Infoold any one
of those, let us know who you are, give us.
(13:18):
It can be as simple as to leave a phone number.
It really that simple.
Speaker 3 (13:21):
Just and we tried to format these a little differently
to make them checkless simple checkliss, yes or no? Did
you do this or do you have this? Yes or no?
So that if you want to have a deeper discussion
with us, let's focus on the nose. Yeah, what are
your what are your blind spots? What are we missing?
Speaker 4 (13:41):
Absolutely?
Speaker 3 (13:41):
What do we need to address?
Speaker 4 (13:42):
We love? We love, We love that more we listen.
We like that more than anything. And I think that's
what makes us great at Madison. That's what makes our
approach different. That's what led us to that approach, right, Mike.
We want to know why we're wrong. We want to
know what we can do better.
Speaker 3 (13:56):
What are we missing? And these, therefore through three new
white papers are from the listening audience, and we thank you.
Speaker 4 (14:03):
And it's not just that, Mike, it's from an investment standpoint.
It's a boots on the ground, tell us what we're missing. Okay,
you guys, have you been educated on a pillar two?
Speaker 1 (14:13):
No?
Speaker 4 (14:14):
Do tell what are you doing there? We kind of
stopped looking for the last fifteen years when rates were
at zero. Do tell right, Pillar three. Oh you've you've
got a brand new, literally, brand new, never seen before
investment vehicle where you can't lose a nickel and you
keep all the upside. We're all ears, right, We're all ears.
That's what we do here, guys. We don't. If we
(14:38):
get a mandate from the Blueberry portfolio on high, we leave. Okay,
we'll keep it that simple, right.
Speaker 3 (14:43):
I'm done.
Speaker 4 (14:44):
No, no, no, I'll go somewhere. Sorry, no, no, no, Right.
If the mandate, if it really gets to that point
where the mandates start coming down regarding Blueberry portfolios and
chief investment officer portfolios, that that we'll be at it.
We'll find something else. Now.
Speaker 3 (14:57):
The good news is I'm knocking in. I don't think that'll.
Speaker 4 (15:01):
Ever have no, no, no, no, no, because that.
Speaker 3 (15:04):
Would be the apocalypse. I'm gonna that's the end of
Wall Street.
Speaker 4 (15:06):
Hey, I'm gonna say this right now, though, the one
thing that is so very interesting is that we had
and you guys are so happy. And again I say this,
you know, we never ever ever talk performance on these
airs because ninety nine point of what you hear out
(15:28):
there is pure nonsense. Make no mistake, it is pure
and utter nonsense. It's to the point it's disturbing. It's disturbing.
Speaker 3 (15:36):
The talking heads. The blueberry rating agencies are just as
awful as politicians.
Speaker 4 (15:43):
It's awful. No, it's awful. And the screaming people with
the buys and the cells and then.
Speaker 3 (15:48):
Here here, wait, can I upset you for a minute?
Do you mind?
Speaker 4 (15:52):
Okay?
Speaker 3 (15:53):
All right, Well I came across these two pieces and
I'm gonna call them research very loosely, both on May
twenty first. Now, the first one came out at eight
fifty am, and the title of the article is hedge
funds are shorting stocks again boosting leverage, which means they
(16:16):
borrow to new levels.
Speaker 4 (16:17):
Yeah.
Speaker 3 (16:18):
So, Dan, if I don't own XYZ stock, but I
think it's going to go down, I bet that it's
going to go down. That's called being short the stock. Okay.
Goldman Sachs Prime Services observe the largest monthly increase in
short selling in more than ten years.
Speaker 4 (16:38):
It's awesome. That's awesome. Yeah, if you want to be
a ball, that's awesome.
Speaker 3 (16:41):
Like, okay, all right, they got my attention. So that
was at eight fifty AM twenty first at nine oh
nine covered Morgan Stanley turns bullish on US stocks and
says slow but not dire growth makes us neutral on
global stocks, but with a stronger regional presence for US stocks.
(17:06):
I don't know what that really means. They said, we're
banking on fed cuts now in twenty twenty six.
Speaker 4 (17:12):
Twenty twenty six are coming.
Speaker 3 (17:14):
Uh huh. So this was in what nineteen minutes of
each other, and you have two absolute ends of the
spectrum making headlines, and I'm saying, why do people even
want to deal with this?
Speaker 4 (17:30):
Let's get this is where I was going, Mike, Let's
keep this very simple. Okay, those of you know, we
don't make recommendations on these airs, but we do make
recommendations to get in touch with us if you want
to be educated. Okay, a little bit further about what
we've talked about now, Michael and I pointed out during
the disturbance and need to pull the to guy, guys,
this is not like again, these people that stay things
(17:51):
and there's no backing, there's no anything. You pull the
tapes when it got gaudy out there. Okay, when it
got gaudy, we said if you want to be as
simple as possible, right, if you want to play a
potential rebound, whether it comes in two days, two weeks,
two years, We're gonna give you two ideas, right number one.
(18:15):
Number one, let's chat about starting a guaranteed pension type investment,
which we call pillar two. And or if you already
have one, let's add right, let's consider adding okay, or
or or same drill when we talk about the new
pillar three. I want to be growth, right. I want
to be growth man, because.
Speaker 3 (18:36):
Why wouldn't you, right, I want to be growth Your
foot on the gas pedal exactly, Mike.
Speaker 4 (18:40):
I want to be growth man. But I don't want
to risk one nickel if I stick it out, right,
if I stick it out to the term of the investment,
no different than a bonder CD guys, same shtick, however,
your growthy growth in the market. Now, this is all
that I'll say. Those that chose to be further educated,
those who chose to initiate positions in pillar two, Pillar three,
(19:05):
those who added to positions in pillar two that they
already had, these will be the model for us for
the next several years.
Speaker 3 (19:13):
Otism well, because they're doing cartwheels.
Speaker 4 (19:16):
Right, guys, And we don't say that. We don't say
that lightly because what it does is it validates the model.
What it does, it validates the model, and it sways
the naysayers, it makes them go away.
Speaker 3 (19:35):
Well, I mean again, we've said this, the power of
denial is the most awesome force on the planet. But
we just won't hear from them anymore.
Speaker 4 (19:43):
Michael. When you have a Pillar two type investment, that
worst case scenario, my additional dollars that I add in
a market downturn or severe market downturn, worst case scenario,
those guaranteed dollars are going to rise by a very
(20:04):
nice percentage, even if the market continues to go down.
Speaker 3 (20:08):
And we always get asked, I don't understand that, Dan,
I don't understand that, Mike. And it's based on the
same shall we say, chassis right, the same structure as
social security, And we all know if I wait year
after year to take my Social Security benefits, I am
guaranteed to have a higher benefit in the future for
(20:29):
the rest of my life. It's the same structure, except
this has a potential benefit on top of it, meaning
what if the world keeps spinning, what if we don't
have the geopolitical issues, military issues. What if the market
goes up ten percent, well, then next year my income
(20:51):
goes up ten percent. But we have a safety net
get in place to make sure our future income keeps
up with inflation. That's all. It's based on.
Speaker 4 (21:01):
How do you And here's the thing, here's where we
go with this guy. So in other words, you captured
those lows. You were in a growth type investment, so
you did as well as any growth type investor out there. Right,
any growth type investor could be even better depending on
how the fund stacks up, the you know, the investment
team stacks up, whatever it is, could be even better.
And you hedged your bats right, because, as Mike just said,
(21:23):
you're getting a benefit regardless, a growing benefit, regardless of
what happened to happen. Like, how do you counter that?
What is there a counter?
Speaker 3 (21:32):
And I'm not a gambler, but I love the saying
and playing with house money.
Speaker 4 (21:36):
And to me, to me, there is no counter there.
Dan Polaski, Michael Brown planning for prosperity. Radar guys, get
your white papers whilst we go to break www dot
Madisonmanagers dot com. Click on the.
Speaker 3 (21:47):
Clickies, and we have a new one.
Speaker 4 (21:49):
I'll see you right back.
Speaker 2 (21:53):
You are about to experience the planning for prosperity show
A three, two.
Speaker 4 (22:04):
Four days.
Speaker 3 (22:06):
All right, this is more of your speed.
Speaker 4 (22:08):
You too, you too? Yeah?
Speaker 5 (22:10):
Yeah yeah.
Speaker 3 (22:13):
They did this at the Super Bowl halftime show? Was
it right after nine to eleven?
Speaker 4 (22:17):
I was gonna say, wait a minute, with the Super
Bowls with the New York Giants when the Giants opened
after nine eleve somebody did something. Then I just said,
shame on me. I can't remember. Happy Memorial Day weekend.
Speaker 3 (22:28):
Yes, and we remember the fallen. Right. We give us,
like two knuckleheads like Dan and I the opportunity to
come do this every day.
Speaker 4 (22:37):
So my goodness and thank you and thank you and
say mostly what we want to say.
Speaker 3 (22:41):
But everyone listening knows someone military who passed away. Of
course everyone does.
Speaker 4 (22:47):
All of us do. Yeah, sure of course, so certainly
certainly we were there to to say thank you on
these off from the bottom of my heart, please and
thank you, as we always do here at Madison, guys.
Best way to grab us, guys, grab your pen. It's
www dot madisonmanagers dot com. You guys like when I
spell it out it's www dot m A d I
(23:09):
S O N M A n A g E r
s dot com and use one of the clickies. Okay
I used to call them textboxes' not really I guess
technically textboxes, they're clickies. Okay, it's gonna say, ask a question,
request more information, ceter. Just click one of those. Click
one of those, and then it's really simple. Leave your
phone number, name, address if you want us to mail.
(23:30):
And again we've got to mail. We really really request
that you led us. You allow us to mail to
your home, your business, whatever it happens to be. Are
brand new to white papers. You guys requested these. We
went into development. They are coming off the assembly line.
Humans assembled these, not optimist robots, not any of the
(23:53):
soon to come within video robots, none of that. These
were humans that assembled these. They're lost up, guys, they're
ready to go and they're free and you ask for them.
So just come get them. Is that simple? You ask them,
come get them. Let us know. You don't have to
do a thing, You don't have to leave the couch. Again,
I think the best way, whilst you're thinking about it,
just grab us on Madisonmanagers dot com www dot Madison
(24:16):
Managers dot com. Use the clickbox let us know. We'll
send you those and if you don't have the dods
same thing, just let us know. Free, so free Dan.
Speaker 3 (24:23):
We always talk about why aren't people making the upgrades
from the blueberry naked portfolio that has all these disastrous
bond funds in them. And by the way, bond funds
are gonna have another negative year, is my guess, right,
because interest rates keep going up. And if I look
at what the three year averages for the bond index,
(24:47):
it's sub one point four percent over three years, meaning
after I paid taxes and after I paid fees, I
made your row. So when you asked me about why
aren't people doing these things? And I always talk about
behavioral finance and we just are afraid to make things.
(25:10):
So there's an economist named John Maldon, but he's a ken.
He does his own thing, right, he's not employed by
the big box bank store where he has to say
the narrative, right. He does his own thing, and he
had a great piece. And it's called tariff induced paralysis.
Speaker 4 (25:29):
The next excuse me, meaning it's always something yeah, yeah.
Speaker 3 (25:32):
Right, And I love it when someone just calls it
what it is. If I am gonna say, Dan, I'm
gonna go for a walk tonight, or I'm gonna go
for a jog tonight. But yeah, it looks cloudy. You know,
I have an excuse to be inactive. But what we're
trying to do is give you, shall we say, a
(25:52):
very or the least invasive way to improve your financial situation,
estate planning and investments. And we talked last week about
the horror scene where a gentleman realized a complete stranger
somehow got inserted as his beneficiary of his retirement account.
(26:14):
Think about this, This is now going This is going
to depths. We never even thought identity thieves. We all
get it. They're gonna steal our credit card. Blah blah blah.
What if that gentleman had passed away and didn't catch
that thievery. All that money doesn't go to his boys,
money goes to this guy. So I said I was
(26:35):
going to do something to try to help people these issues.
Speaker 4 (26:42):
You did it, Michaels.
Speaker 3 (26:44):
We put together what do I do to review my beneficiaries?
Speaker 4 (26:49):
Another checklist, brand new white paper, guys.
Speaker 3 (26:55):
It talks about what do I need? What should I know?
To just review these in if your beneficiaries are different?
What to do next? What would you do if you
name your will or a trust is beneficiary, which we're
gonna say, I'm not happy with that. Do you need
to review different issues? Who's getting one? Because that could
(27:18):
be fluid? Do you have your estate listed as a beneficiary?
Speaker 4 (27:23):
That's old school.
Speaker 3 (27:25):
That's not good. Are No, that's old school. You know.
The only people that are applotting that the I R
S and New York State because it all becomes taxable.
What about if I have a trust listed? Does my
trust qualify to be using the ten year provision not
(27:47):
an immediate payout, so I avoid taxes for as long
as I can. Are you concerned that your heirs might
not do a great job with the money. How do
we do that? So it's a one pager checklist? Wow,
the beneficiary review checklist.
Speaker 4 (28:05):
Smooth as silk.
Speaker 3 (28:07):
Michael Brown and I would imagine, and we know the stats.
The majority of people say, I know I'm gonna get
my will. I know I'm gonna get a pover attorney.
I know I'm gonna get the healthcare directive. I'm gonna
call Mike and Dan have the re inhouse counsel do
it for. I know, I'm going to. I'm going to,
I'm going to. This is another to do list. This
is a today to do list. Ya.
Speaker 4 (28:28):
No, no, guys grab this again. Reminder WW same same
thing as our other white papers, same as the d
O ds. Guys www dot M A D I S
O N M A N A G E R S
dot com. Use the clickbox let us know you want
the brand new white paper. Because this was so many
(28:51):
of you.
Speaker 3 (28:51):
It's scared. It scared the pants off me when I
when I heard that letter.
Speaker 4 (28:55):
It's been Mike, but it's been a while. We we've
got a lot of requests along the way as to hey,
is there anything regarding benefisheries specifically that you guys have
and up to now this was no, not really kind
of glossed over. Yeah. I don't even think it's bad, Mike.
I just think to that point, I think it's just
(29:15):
kind of down the pike a little bit. But it
doesn't make it any less important.
Speaker 3 (29:19):
But if the listening audience realizes the scammers, the thieves
are now getting into your retirement account beneficiary list, I
act today.
Speaker 4 (29:31):
No, No, you got it right, that that Mike, that
kind of sealed the deal. Yeah, we had to get
this out to you guys, so again, same thing we
built it. All you need to do is ask for it.
Speaker 3 (29:42):
Ww Yeah, if you have an IRA, get this today.
Speaker 4 (29:45):
Www dot Madison Managers dot com. You can get email again,
we can gloss it over for you whatever you guys like,
Just grab it. Now. That's the that's the case.
Speaker 3 (29:54):
And I know it's a smaller segment of not just
our listening audience but of the country. But if you're
someone who is charitably inclined, right, Dan, say, I've got
IRA money, I have non IRA money, but I want
to give x percent to insert charity here city mission. Sure,
(30:16):
what do I give? You give the charities your retirement moneies.
The IRA money is because no one gets taxed on that,
you give your loved ones, human beings the after tax money.
Speaker 4 (30:31):
Yeah.
Speaker 3 (30:31):
Now that's an overly simplistic way to put it, right.
Speaker 4 (30:34):
But now, but that's your overly let me put it
this way. Your two minute tutorial there was better than
what ninety nine point nine percent of consumers of financial
planning advice out there are getting. Quite simply put.
Speaker 3 (30:49):
And I'm going to leave some money at charity. But
the point is it's my irrabit. I think again, I
think you're again, I think you're being too modest. I
think ninety nine point nine nine percent of plan ors
shall we call them, are not having those discussions. Hey,
just bear with me while I'm alive, though, if I'm
not age seventy three as the law states today, and
(31:11):
I don't have to take required minimum distributions yet, you
know what you give to charity appreciated securities.
Speaker 4 (31:19):
No, that's right.
Speaker 3 (31:20):
I can't help myself. I keep going down the rabbit
hole of way too much into this. But that's what
we do every.
Speaker 4 (31:26):
Day, all day. I go down the rabbit hole here
every day that I talk to you guys on the
phone in that if you do not have a Pillar
two style investment right now and again, this is what
we call the guaranteed pension for life. If the world
breaks down, you have a contractual guarantee that a payment
will be made to you if you do not have this.
(31:49):
And you know this is true everyone that I've spoken to,
whether you be a prospective client to client, I want
to know why. I want to know why you don't
don't want to be in that club. No one's saying
putting seventy five percent of your net worth in there
unless you choose to. No one's saying that. What we're
saying is, why not adopt now whilst we have a
(32:13):
vehicle that is pretty close Mike, pretty close to the
highest guaranteed patral rates, right, the highest guaranteed increase on
said pension dollars in the years.
Speaker 3 (32:28):
Would you say, since two thousand and six.
Speaker 4 (32:31):
Seven, twenty years, let's just call it twenty years, right, yep?
Why would you not at least put that just get there?
If you say, Mike in the toolkit, why and we
have that discussion. We have that discussion because we have
to make sure Mike in that at the end of
the day, at the end of the day. And you everyone,
(32:51):
why starts diverse five portfolio, diverse five portfolio, diversit five portfolio? Well, well,
getting the magenta is not really diversifying your portfolio. Everyone
getting putting to an a hour percent of the magenta.
If it breaks, the magenta is breaking too, okay.
Speaker 3 (33:04):
Because everything all right, I'm gonna go too deep. Every
investment now is correlated. They all move in sync like
line dancing in the old days. When something would zig,
your other piece would zig right, and you're trying to
balance out the risk they all zig together, they all are.
That's not diversification.
Speaker 4 (33:24):
They all are being pushed by the same machines. Make no,
make no mistake.
Speaker 3 (33:28):
You have to diversify your risk.
Speaker 4 (33:30):
So very good, Mic. So the point is, guys, if
you don't yet have Pillar two, please before the FED
starts cutting. I don't care if it's in twenty twenty
six or if it's upcoming in June. Please, guys, let's.
Speaker 6 (33:43):
Because Wall Street's gonna be ahead of Let's make no.
You can't wait for that dance. Let's adopt. Let us
at least get you educated now. It's www dot Madison
Managers dot com.
Speaker 4 (33:53):
We have a bread new white people. What a surprise,
Mike Brad, Guy scrab a copy. There's no reason not to.
Will be right back.
Speaker 2 (34:03):
You are about to experience the planning for prosperity.
Speaker 3 (34:06):
Show in three two Here.
Speaker 4 (34:13):
Salu the ones who died.
Speaker 5 (34:15):
You know these boys, I do, but I have the
Brown Man.
Speaker 4 (34:20):
I get it all the things we I just think
I've heard this song four trillion comments like everything else
has now and it's like you almost fringe.
Speaker 5 (34:32):
When you hear it, I'm about to dance, happy that
you would be happy two step slushing through the old pond,
the freezing cold pond, dropping dropping.
Speaker 4 (34:44):
Those hot dogs all over Michael Brown. I don't know
if this is director Michael Brown.
Speaker 3 (34:49):
I don't know if this is true, but I saw
a commercial. You know, this weekend's also the Indianapolis five
hundred America so Oscar which you know I'm a fan of.
The hot dog is one of the major sponsors.
Speaker 4 (35:04):
Wouldn't pay for Oscar Meyer.
Speaker 3 (35:06):
Oh, but let's not go there, Horn King, they had
I don't know if it's true. I'm gonna look it
up where they had six you know the old commercials
Oscar minor Oscar Meyer the wienermobiles where they had six
of them souped up racing on the track. Oh did
they really It was called the Oscar Meyer like forty.
Speaker 4 (35:27):
Mobile or something like that.
Speaker 3 (35:28):
Yeah, I hope it was true because I would go
see that.
Speaker 4 (35:32):
Yeah. They shouldn't have too high a center of gravity,
should they. Okay, guys, happy weekend. With that said, I
hope it Wasmorial Day theme obviously everyone old school. Just
for all of those of you who are begging from America,
Mike Brown and mister Producer's tribute to America exactly right.
(35:54):
Guys were giving you a bunch, a bunch of reasons
to get in touch with this at Madison this week,
and you guys have been so great. So again, I
always recommend this. You're on your iPad, you get your
iPhone next to you, right now, whatever it happens today,
easiest way is right now, whilst you're thinking of it.
It's www dot Madisonmanagers dot com. Www dot m A
(36:16):
d I S O N M A n A g
E r s dot com. You go to the to
be transported to the front page. Right, you get to
see clickclickies where it'll say request an appointment, request more information.
Whatever it happens to me, just click on any one
of them. Mike Brown just unleashed a brand new white
paper with respect to benefisheries, beneficiary designations. Things to think
(36:42):
of when designating benefisheries, all of those items that I
think just about everyone in this business, shall we call
it loves to gloss over.
Speaker 3 (36:56):
Right, because this is the heavy list.
Speaker 4 (36:59):
You actually to write something down, You actually have to investigate,
right Because Dan, let's say someone comes in and you
have to have a conversation and I'm gonna.
Speaker 3 (37:07):
Update my trust or my will or whatever it is.
The next question is, Okay, these beneficiaries that you have
in your will or your trust or whatever it may be,
do they match what's on your four oh one K,
your IRA or your four oh three B. And that's
when you get the I'm not sure.
Speaker 4 (37:29):
Yeah, well well and that's why, guys. And again the
cheap tie in. We're gonna do the cheap tie in too.
Requesting your copy again www dot Madison Managers dot com.
Click on one of those clickies. We'll get it straight out.
If you haven't gotten the two white papers from last week,
These who were in shall we say production for a while, Okay,
they're coming off the assembly line now, humans not robotics.
(37:52):
Humans not robotics. Guys, we built them out. Just just
grab them. Okay again Madison Managers dot Com. Request And finally,
if you don't have the DODA right, if you don't
have the d D version two point zero yet, I
don't know what you're waiting on, but request the copies
because they're free.
Speaker 3 (38:10):
And may be tariff induced paralysis. Our latest excuse. There's
what's the next excuse.
Speaker 4 (38:16):
Going to be, Mike, there's Mike, There's always something I'm
going to give you. Here is where I think we're
making great strides with education, is that when you are
first adopting Pillar two, specifically, whether you want to call
that guaranteed income for life, whether you want to call
(38:37):
it your own personal pension. Oh, by the way, you
can out of spouse right, make it what we call
joint and survivor. Right, you want to do that, you
want to call it a pension income, whatever you want
to call it, guaranteed what you'rew all right, whatever you
want to call it, guys, it's income for life. This
is creating your own pension. For those of you who
have yet adopted and or you're the first time adopter.
(39:01):
I think what rings true, Mike, and what really sets
the bulb off, if you will, is when you realize
that you're actually investing. Right, We're actually investing, guys. This
isn't This isn't in the back room, right, This isn't
in the back room of John Hancock or Nationwide or
(39:21):
homever right where they send you a form or a
print out once a year that says, at age sixty two,
you're eligible for one than two hundred and seventy seven
dollars and forty two cents. Please try again next year.
This is not that, it's the furthest thing from You
see a portfolio. You see a portfolio that's being managed
(39:46):
by arguably some of the most highly respected teams right
that do this sort of thing in the free world.
Here what I just said in the world. Okay, And
you say, wait a minute. If I can get this
type of performance out of this vehicle, and I get
(40:10):
all of these guarantees, including full death benefit.
Speaker 3 (40:15):
And I can look at it every day to see
the value.
Speaker 4 (40:18):
Why would I not? And what if I been doing
all these years? And that's the question, Mike Arian is
the question on this Memorial Day, Why would you not?
And what have you been doing all these years?
Speaker 3 (40:30):
I'll tell you one reason we're all afraid of buyer's remorse.
We go trade in our car, we buy a new car,
and then a week later we're not crazy about the
navigation system or not crazy about the audio system, or
the rear camera assist isn't perfect. And then we start
(40:53):
questioning ourselves the old Monday morning quarterback theorem. You're not
going to have that, because once you upgrade from your
naked mutual funds ets Blueberry portfolio, there is no buyer's remorse.
Speaker 4 (41:10):
No, it's over right, it's game, set match. That's when
you start telling your friends, that's when you tell your
family members, et cetera, et cetera. And make no mistake, everyone,
what we get seventy five plus percent of the time
when you adopt Pillar two right, guaranteed income for life,
create your own pension seventy five percent of the time.
Those of you that have kiddos, you always always ask,
(41:33):
how do I get my kids involved in this? And
the problem is such is that if these A rated
insurers were to extend this, these guarantees, right, these rich,
rich benefits to the younger generation we're talking about Pillar.
Speaker 3 (41:50):
Two, yeah they would, that's the only one that has
an age kind of entry date.
Speaker 4 (41:54):
But the point is this, Mike, they would no longer
be A rated institutions. That's the point. So, in other words,
guys can't afford it. That's how rich these benefits are
right now, in the here and now, So you have
to be of a certain age. It's just that simple.
So our point is this, Our point is this again,
(42:14):
let us at least educate. Let us show you what
it looks like when these ramp up, right, as these
go right through time, right, just like your current Blueberry
is going through time.
Speaker 3 (42:28):
Right.
Speaker 4 (42:28):
Let us show you that, and then we can kind
of juxtapose the two, right and say, well, here are
the benefits on this and this one. Simply put, it
has no benefits.
Speaker 3 (42:39):
And have you ever seen Dan one of these model
Blueberry portfolios not have bond funds in them. No, I'm
sure exists. I'm sure they do. Maybe I don't remember
seeing them. I don't think those things are toxic. Yeah,
(43:00):
and again I'm not making rectation buy seller hold. The
math is the math is a math. They have let
you down for a decade now.
Speaker 4 (43:09):
Yeah, And I'll say this, guys, it's not and and
what Michael saying is this, it's not the portfolio manager,
it's not these fun companies.
Speaker 3 (43:16):
It's just the backdrop. It's the it's the.
Speaker 4 (43:19):
It's the world, absolutely, guys, it's it's the world. In
speaking of the world, let me say this not and
I have to say this not a solicitation to buy
seller hold. But you've probably noticed everyone that's gotten choppy
again out there right when we talked about markets and
bond markets, Michael, and all of the above, right, gone
(43:40):
gotten a little choperific. Well, here's the thing we like
to point out is that the buy back window, okay,
meaning the big big boys that love to support the
markets right when they can, they love to go in
and buy back their own stock. The Hoogles they rhyme
with watahs, right, they weren't rhyme with insert name here, Snapple, right,
all the above guys, they're going to be coming up
(44:02):
on what we call blackout period, meaning even if they
wanted to, if the market were down three percent, if
their stocks were down five percent, they wanted to go
in and buy with ferocity, they can't.
Speaker 3 (44:14):
They just legally can't.
Speaker 4 (44:15):
They cannot.
Speaker 3 (44:16):
They're not making a choice. The choice is made for them.
Speaker 4 (44:19):
June is also historically tricky month, right, historically if you
believe in that sort of thing. Okay, we are not
going to have any earnings reports of substance until not
the day but no. But but the point is, Mike,
this is where we're I But here's the point, because
this is where we're heading, Okay, And the point is
(44:39):
this guy's you're gonna have the budget, you're going to
have geopolitics that are always out there. The point is
this guy's if you're looking to maybe get timely again, right,
and you're looking to maybe buy a little dip, right,
you're looking maybe buy a little dip, and you know
you might want to buy a dip in one of
(45:00):
the pillars we talk about, right, give that a shot
could be coming up on another time here, Mike could
get another shot. It doesn't always happen that way, right,
but but in this environment that we're in, it seems
to be happening more and more frequently.
Speaker 3 (45:14):
So just saying in more and more, just ooh, the velocity,
the ferocity just is going up.
Speaker 4 (45:21):
And that's guys, that's the point. That's the point. Even
adopting one of pillar two, Pillar three, pillar four, pillar five,
even adopting just one is going to improve your sleep
at night factor by definition, right, by definition, it literally
it literally has to. So let's start educating now in
(45:41):
case that opportunity does arrive for you dip buyers in
the next couple of weeks. Best way www Dot m
A d I s O. N Managers dot com. So
it's www. Dot Madison Managers dot com We've got all
kinds of white papers, brand new beneficiary one all free,
we got dds, let's educate, Happy Memorial Day and let's
(46:02):
hit this week running. As they say, Michael Brown will
see in the office. Everybody
Securities and investment advisory services offered through Osaic Wealth Inc.
Member finraw as IPC oasaic Wealth is separately owned and
other entities and or marketing names, products or services referenced
here are independent of Osaic Wealth. Madison Wealth Managers and
Osaic Wealth Inc. Are separate and unrelated companies. Information provided
is for illustrative purposes only and does not constitute investment,
tax or legal advice. Information has been obtained from sources
(00:21):
deemed reliable, but its accuracy and completeness are not guaranteed.
Neither Osaic Wealth Inc. Nor Madison Wealth Managers accept any
liability for the use of the information discussed. Consult with
a qualified financial, legal, or tax professional before taking any action.
Any opinions expressed in this form are not the opinion
or view of Osaic Wealth Inc. Information in this illustration
has been obtained from sources believed to be reliable and
are subject to change without notification. The information presented is
(00:44):
provided for informational purposes only and not to be construed
as a recommendation or solicitation. Investors must make their own
determination as to the appropriateness of an investment or strategy
based on their specific investment objectives financial status and risk tolerance.
Past performance is not an indication of future results. Investments
in vol of risk and the possible loss of principle.
Speaker 2 (01:04):
You are about to experience the planning for Prosperity shows
three two here.
Speaker 3 (01:14):
Because the flag still stands for freedom.
Speaker 4 (01:19):
Away.
Speaker 3 (01:20):
Yes, yes, is it a mix?
Speaker 4 (01:25):
Is it a mix or no? Mister producers say nothing
right now.
Speaker 3 (01:29):
Well, it's a certain weekend.
Speaker 4 (01:30):
This is not what it was supposed to be though, Michael,
you just.
Speaker 3 (01:34):
Admitted to colluding.
Speaker 4 (01:36):
Well, we had happy Memorial Day weekend everyone. Daniel Polanski
Brown Managing Director, Michael Brown of these Madison Wealth managers,
welcome avoid the cruise ship planning for Prosperity. Radio Hour
Style guys, big thank you again. You know we are
(01:58):
a please and thank you shop. Those of you that
with us, those of you that listen on these airs,
you know we are pleased and thank you. Chap. We
hope you take one moment and kind of let that
sink in, because from what we see in our world,
no one says please, thank you anymore. So I hope
your world's different, but I don't necessarily think it is.
(02:18):
So with that said, just want to say thank you.
You guys have been absolutely crushing, crushing the internet requests
and it really is the best way. Whether you do
not have the DoD version two point zeros, okay, whether
you don't have that's our estate planning work. We're allowed
to have opinions. You want us to have an opinions,
(02:38):
and in our opinion, it is our best estate planning work.
And it's professionally bound. It's that simple. It's meant to
last a lifetime. Now, you guys who have been just requesting, requesting, requesting, awesome,
thank you. Now Michael has added based on conversations with
you guys, because that's what this is all about. We're
we're serving you, we're educating you. That's it, period the end.
(03:02):
Michael has developed a couple of brand new white papers
and a big thank you because they are flying, flying
off the presses. Michael, just give it, give us a
quick summary. And again, guys, I'm gonna remind you www
dot Madisonmanagers dot com. That's www. Dot m A d
I S O N M A n A g E
(03:25):
r s dot com. You're gonna use one of the clickies. Okay,
it'll say send an appointment, don't be thrown off by that.
It'll say request info any of those just click on
them and then let us know. If you don't have
the dds, let us know. If you don't have the
New White Papers yet, let us know. And Michael right
now is going to tell us. And here's the thing, guys,
(03:46):
it's free. So don't don't think there's a hook, don't
think there's any anything along those lines. It's free. We're
here to educate. This is our commitment to you so
that you can say, boy, those guys actually are different
over there at Madison right.
Speaker 3 (03:59):
Because we have to be realistic and cognizant of what's
going on out there in the world. And I'm going
to tease the third New White Paper in a minute.
But when we see the fraudsters, the identity thieves, the scammers,
they're a step ahead of everyone. There are a step
(04:19):
ahead of the banks. There are a step ahead of
the mutual fun big box stores. So what we've tried
to do is prep you as to one. In addition
to which is in the DoD the twenty five documents
you need before you die, this is additional documents, additional thoughts,
(04:39):
additional areas that might be weakness right where the enemy right,
the bad guys can get in?
Speaker 4 (04:46):
And why did we do this bike? Because you wanted more?
Speaker 3 (04:51):
So it's again it is intuitive stuff, but we don't
always think of it.
Speaker 4 (04:58):
It's not though, Mike, I don't see. There you go again.
I don't think and I chastise Mike about this. I
don't think it's intuitive at all. I mean, of the
twenty five docs you need before you die, I may
argue five to ten maybe intuitive. I don't think more.
I don't think half or more are intuitive at all.
(05:19):
And these these are off the charts.
Speaker 3 (05:22):
So when you think about this, I am Dan's executor,
but Dan didn't have the twenty five documents you need
before you die.
Speaker 4 (05:32):
So it's a mess, right, it's a mess.
Speaker 3 (05:34):
It's a shoe box full of stuff, or a filing
cabinet full of stuff. And I'm trying to find out
where our monies, where are debts? Who do I contact?
What are we talking about in after tax money and
then pre tax IRA money? And we talk about things
as simple as a tax return gives you a lot
(05:54):
of that intel. Right, Where are we getting dividends? Where
are we getting interest? Where are we getting capital? Gains
that now if we don't know, that gives us, you know,
the breadcrumbs of how now you're figuring it out? What
other supporting documents in addition to the tax return? Did
you have any securities that were worthless that weren't taken
(06:18):
care of? What about hell savings account? Were you writing
off medical expenses on your tax return? Do you keep
your Medicare summary nottices which you should? Were you ever
divorced Dan, where's the divorce decree so no one can come.
Speaker 4 (06:33):
I'm going to give you one. And you know, well,
you know you are well aware of this. How about
those old school old timers that still have certificates?
Speaker 3 (06:44):
Don't if you if know about stock certificates, get that
into an account today, because getting those into an estate
account is a bit tricky.
Speaker 4 (06:57):
And if you are mom or dad and you're listening
right right now and you know you have those certificates, guys,
we could tell stories for as long as this hour
runs regarding where we've seen certificates come out of under
the bed, etcetera, etcetera. Guys, get those, get those in
a brokerage account. To Mike's point yesterday, let us know
(07:20):
we will do all the lifting, and not everybody realizes that.
Speaker 3 (07:23):
Prior to twenty twelve, investment companies were not required to
keep cost bases. So what if you worked for GE
your whole life, Dan, Right, you had the certificates, you
put them in the electronic account. How are we going
to find cost basis?
Speaker 4 (07:39):
Well, you're going to need a broker's estimate. Hence you're
going to need a broker. Right.
Speaker 3 (07:44):
What if I had, like many people, a mortgage, but
I've paid it off. Where's my notice that it's paid off?
Simple things like this, But they all become or could
become headaches when mom or dad are gone, or when
your spouse is gone. And that leads us to the
second white paper. What do I consider if my spouse
(08:08):
passes away? There's a lot more to it than we think.
Now this is Shall we call and add on to
one of Dan's favorite documents in the DoD what to
do when a loved one dies?
Speaker 4 (08:22):
Mine? It is? Well if it is my favorite. Everyone
you know that.
Speaker 3 (08:26):
But we keep going. Was your spouse taking required minimum distributions?
And did they take it in the year you passed away?
Speaker 4 (08:34):
I'll give you one, Mike, I'll give you one that
I think I'm hearing more and more about this as
we get out there, because it again, guys, listen, we'll
be brutally honest, and we should be, and I would
hope everyone would be, although people try to dance around it.
We like to grow our business. We want to bring
more of you on board. We would We want to
work with as many good people as are out there.
Speaker 3 (08:55):
Notice what I said there, that's the most important.
Speaker 4 (08:58):
Yes, we want to We want to work with as
many good people that need our help that are out there.
You know what, Mike, What I notice as we go
on the road more and more sitting down with you, guys, Mike,
there's a lot of individuals out there that are eligible
to make deductible IRA contributions on their tax return, and
(09:21):
they're simply not being asked by their accountants if they
did anything. Forget about, forget about the amount, forget about
and again, the average person, Mike, if you're out there
running a business, you have no idea. You have no
idea if it's deductible or not. Do I have to
tell my you know again, do I have to tell
my accountant? Do I not? Do they know?
Speaker 3 (09:42):
What is the irs going to require? Point being, no
one wants them to come.
Speaker 4 (09:47):
A calling point being Mike when you're doing a final return,
right for your loved one might be valuable, right, might
be really valuable.
Speaker 3 (09:55):
So you and I are married, I pass away, we're
five filing jointly. You can continue to file jointly in
that year, right, you don't have to take get in
the penalty box and being a single person again.
Speaker 4 (10:09):
No, that's a that's a really really that's a really
really good one. Are we done it? First segment?
Speaker 3 (10:13):
Already?
Speaker 4 (10:14):
Oh my gosh, guys, stick with us in the meantime,
look brand brand, brand new white papers. Thank you to
those who have already requested, big thank you to those
who are going to request. It's super easy, guys, www
dot m A d I S O N M A
n A g e r s dot com. Go there
(10:34):
right now, use your phone whatever it is, iPad thingy,
whatever it is, click on one of the clickie boxes
and just say, hey, grab me those two white papers.
If you don't have d D two point oh, send
me two of those. And they're all for free. They're
all on Mike's dime. We love that. We'll see it
right back.
Speaker 2 (10:50):
You are about to experience, the Planning for Prosperity show
A three two here.
Speaker 4 (11:06):
To or Toby Robing, what's the same roby Toby, Toby, Toby,
I'm sorry, Toby, Toby Keith rest in peace? Do you
know there? Listen? As as much as we love your
patriotic nature, and we're all patriotic here at Madison, Michael,
(11:28):
the most discussions around our musical interludes come this week
and fourth of July weekend. So since we didn't modernize
the way that I wanted to modernize, right in the
way that Mary you wanted to modernize, and we all
wanted to modernize, we will be modernizing, God willing for
the four for the fourth of July spectacular. We will
(11:48):
be modeling fair, we will be we will be tearing
back just a little bit. Happy weekend everyone, Happy Memorial
Day weekend. Guys gals out there, thank you for taking
time on your weekend to join us. As we always say,
if no other reason, respect our repetitions, there is never
a best of there's never listen. We don't miss work.
(12:09):
It's it's that it's at TIPPLEO.
Speaker 3 (12:11):
Don't jinx.
Speaker 4 (12:12):
Although I will got to say this get injured. Firstly,
guys www Dot Madison Managers dot com. You're gonna go
there for the D O D two point ohs. If
you don't have it, that's our bound to state planning work.
You're gonna go there for the brand new white papers.
You guys are requesting these. Again, I want you to
let us know you want them. If you don't say otherwise,
if you don't say right electronic format right, so in
(12:35):
other words, if you if you just say, hey, I
you know, send me these. Okay, We're gonna send these
out in tactile form. We're gonna we're gonna the best
way to do it right. We're gonna brush these up
for you. We're gonna spin them out the way they
should be spun out, and we're gonna put them in
traditional mail to you. So again, thank you for those
of you who have already ordered. Let's get it cranking
(12:57):
on this Memorial Day, and again, I think the best
way to it right now, while you're listening to us
in the background, just go to www. Dot m A
D I S O N M A N A G
E R S dot com and use one of the clickboxes.
It'll say set an appointment, request more Infoold any one
of those, let us know who you are, give us.
(13:18):
It can be as simple as to leave a phone number.
It really that simple.
Speaker 3 (13:21):
Just and we tried to format these a little differently
to make them checkless simple checkliss, yes or no? Did
you do this or do you have this? Yes or no?
So that if you want to have a deeper discussion
with us, let's focus on the nose. Yeah, what are
your what are your blind spots? What are we missing?
Speaker 4 (13:41):
Absolutely?
Speaker 3 (13:41):
What do we need to address?
Speaker 4 (13:42):
We love? We love, We love that more we listen.
We like that more than anything. And I think that's
what makes us great at Madison. That's what makes our
approach different. That's what led us to that approach, right, Mike.
We want to know why we're wrong. We want to
know what we can do better.
Speaker 3 (13:56):
What are we missing? And these, therefore through three new
white papers are from the listening audience, and we thank you.
Speaker 4 (14:03):
And it's not just that, Mike, it's from an investment standpoint.
It's a boots on the ground, tell us what we're missing. Okay,
you guys, have you been educated on a pillar two?
Speaker 1 (14:13):
No?
Speaker 4 (14:14):
Do tell what are you doing there? We kind of
stopped looking for the last fifteen years when rates were
at zero. Do tell right, Pillar three. Oh you've you've
got a brand new, literally, brand new, never seen before
investment vehicle where you can't lose a nickel and you
keep all the upside. We're all ears, right, We're all ears.
That's what we do here, guys. We don't. If we
(14:38):
get a mandate from the Blueberry portfolio on high, we leave. Okay,
we'll keep it that simple, right.
Speaker 3 (14:43):
I'm done.
Speaker 4 (14:44):
No, no, no, I'll go somewhere. Sorry, no, no, no, Right.
If the mandate, if it really gets to that point
where the mandates start coming down regarding Blueberry portfolios and
chief investment officer portfolios, that that we'll be at it.
We'll find something else. Now.
Speaker 3 (14:57):
The good news is I'm knocking in. I don't think that'll.
Speaker 4 (15:01):
Ever have no, no, no, no, no, because that.
Speaker 3 (15:04):
Would be the apocalypse. I'm gonna that's the end of
Wall Street.
Speaker 4 (15:06):
Hey, I'm gonna say this right now, though, the one
thing that is so very interesting is that we had
and you guys are so happy. And again I say this,
you know, we never ever ever talk performance on these
airs because ninety nine point of what you hear out
(15:28):
there is pure nonsense. Make no mistake, it is pure
and utter nonsense. It's to the point it's disturbing. It's disturbing.
Speaker 3 (15:36):
The talking heads. The blueberry rating agencies are just as
awful as politicians.
Speaker 4 (15:43):
It's awful. No, it's awful. And the screaming people with
the buys and the cells and then.
Speaker 3 (15:48):
Here here, wait, can I upset you for a minute?
Do you mind?
Speaker 4 (15:52):
Okay?
Speaker 3 (15:53):
All right, Well I came across these two pieces and
I'm gonna call them research very loosely, both on May
twenty first. Now, the first one came out at eight
fifty am, and the title of the article is hedge
funds are shorting stocks again boosting leverage, which means they
(16:16):
borrow to new levels.
Speaker 4 (16:17):
Yeah.
Speaker 3 (16:18):
So, Dan, if I don't own XYZ stock, but I
think it's going to go down, I bet that it's
going to go down. That's called being short the stock. Okay.
Goldman Sachs Prime Services observe the largest monthly increase in
short selling in more than ten years.
Speaker 4 (16:38):
It's awesome. That's awesome. Yeah, if you want to be
a ball, that's awesome.
Speaker 3 (16:41):
Like, okay, all right, they got my attention. So that
was at eight fifty AM twenty first at nine oh
nine covered Morgan Stanley turns bullish on US stocks and
says slow but not dire growth makes us neutral on
global stocks, but with a stronger regional presence for US stocks.
(17:06):
I don't know what that really means. They said, we're
banking on fed cuts now in twenty twenty six.
Speaker 4 (17:12):
Twenty twenty six are coming.
Speaker 3 (17:14):
Uh huh. So this was in what nineteen minutes of
each other, and you have two absolute ends of the
spectrum making headlines, and I'm saying, why do people even
want to deal with this?
Speaker 4 (17:30):
Let's get this is where I was going, Mike, Let's
keep this very simple. Okay, those of you know, we
don't make recommendations on these airs, but we do make
recommendations to get in touch with us if you want
to be educated. Okay, a little bit further about what
we've talked about now, Michael and I pointed out during
the disturbance and need to pull the to guy, guys,
this is not like again, these people that stay things
(17:51):
and there's no backing, there's no anything. You pull the
tapes when it got gaudy out there. Okay, when it
got gaudy, we said if you want to be as
simple as possible, right, if you want to play a
potential rebound, whether it comes in two days, two weeks,
two years, We're gonna give you two ideas, right number one.
(18:15):
Number one, let's chat about starting a guaranteed pension type investment,
which we call pillar two. And or if you already
have one, let's add right, let's consider adding okay, or
or or same drill when we talk about the new
pillar three. I want to be growth, right. I want
to be growth man, because.
Speaker 3 (18:36):
Why wouldn't you, right, I want to be growth Your
foot on the gas pedal exactly, Mike.
Speaker 4 (18:40):
I want to be growth man. But I don't want
to risk one nickel if I stick it out, right,
if I stick it out to the term of the investment,
no different than a bonder CD guys, same shtick, however,
your growthy growth in the market. Now, this is all
that I'll say. Those that chose to be further educated,
those who chose to initiate positions in pillar two, Pillar three,
(19:05):
those who added to positions in pillar two that they
already had, these will be the model for us for
the next several years.
Speaker 3 (19:13):
Otism well, because they're doing cartwheels.
Speaker 4 (19:16):
Right, guys, And we don't say that. We don't say
that lightly because what it does is it validates the model.
What it does, it validates the model, and it sways
the naysayers, it makes them go away.
Speaker 3 (19:35):
Well, I mean again, we've said this, the power of
denial is the most awesome force on the planet. But
we just won't hear from them anymore.
Speaker 4 (19:43):
Michael. When you have a Pillar two type investment, that
worst case scenario, my additional dollars that I add in
a market downturn or severe market downturn, worst case scenario,
those guaranteed dollars are going to rise by a very
(20:04):
nice percentage, even if the market continues to go down.
Speaker 3 (20:08):
And we always get asked, I don't understand that, Dan,
I don't understand that, Mike. And it's based on the
same shall we say, chassis right, the same structure as
social security, And we all know if I wait year
after year to take my Social Security benefits, I am
guaranteed to have a higher benefit in the future for
(20:29):
the rest of my life. It's the same structure, except
this has a potential benefit on top of it, meaning
what if the world keeps spinning, what if we don't
have the geopolitical issues, military issues. What if the market
goes up ten percent, well, then next year my income
(20:51):
goes up ten percent. But we have a safety net
get in place to make sure our future income keeps
up with inflation. That's all. It's based on.
Speaker 4 (21:01):
How do you And here's the thing, here's where we
go with this guy. So in other words, you captured
those lows. You were in a growth type investment, so
you did as well as any growth type investor out there. Right,
any growth type investor could be even better depending on
how the fund stacks up, the you know, the investment
team stacks up, whatever it is, could be even better.
And you hedged your bats right, because, as Mike just said,
(21:23):
you're getting a benefit regardless, a growing benefit, regardless of
what happened to happen. Like, how do you counter that?
What is there a counter?
Speaker 3 (21:32):
And I'm not a gambler, but I love the saying
and playing with house money.
Speaker 4 (21:36):
And to me, to me, there is no counter there.
Dan Polaski, Michael Brown planning for prosperity. Radar guys, get
your white papers whilst we go to break www dot
Madisonmanagers dot com. Click on the.
Speaker 3 (21:47):
Clickies, and we have a new one.
Speaker 4 (21:49):
I'll see you right back.
Speaker 2 (21:53):
You are about to experience the planning for prosperity show
A three, two.
Speaker 4 (22:04):
Four days.
Speaker 3 (22:06):
All right, this is more of your speed.
Speaker 4 (22:08):
You too, you too? Yeah?
Speaker 5 (22:10):
Yeah yeah.
Speaker 3 (22:13):
They did this at the Super Bowl halftime show? Was
it right after nine to eleven?
Speaker 4 (22:17):
I was gonna say, wait a minute, with the Super
Bowls with the New York Giants when the Giants opened
after nine eleve somebody did something. Then I just said,
shame on me. I can't remember. Happy Memorial Day weekend.
Speaker 3 (22:28):
Yes, and we remember the fallen. Right. We give us,
like two knuckleheads like Dan and I the opportunity to
come do this every day.
Speaker 4 (22:37):
So my goodness and thank you and thank you and
say mostly what we want to say.
Speaker 3 (22:41):
But everyone listening knows someone military who passed away. Of
course everyone does.
Speaker 4 (22:47):
All of us do. Yeah, sure of course, so certainly
certainly we were there to to say thank you on
these off from the bottom of my heart, please and
thank you, as we always do here at Madison, guys.
Best way to grab us, guys, grab your pen. It's
www dot madisonmanagers dot com. You guys like when I
spell it out it's www dot m A d I
(23:09):
S O N M A n A g E r
s dot com and use one of the clickies. Okay
I used to call them textboxes' not really I guess
technically textboxes, they're clickies. Okay, it's gonna say, ask a question,
request more information, ceter. Just click one of those. Click
one of those, and then it's really simple. Leave your
phone number, name, address if you want us to mail.
(23:30):
And again we've got to mail. We really really request
that you led us. You allow us to mail to
your home, your business, whatever it happens to be. Are
brand new to white papers. You guys requested these. We
went into development. They are coming off the assembly line.
Humans assembled these, not optimist robots, not any of the
(23:53):
soon to come within video robots, none of that. These
were humans that assembled these. They're lost up, guys, they're
ready to go and they're free and you ask for them.
So just come get them. Is that simple? You ask them,
come get them. Let us know. You don't have to
do a thing, You don't have to leave the couch. Again,
I think the best way, whilst you're thinking about it,
just grab us on Madisonmanagers dot com www dot Madison
(24:16):
Managers dot com. Use the clickbox let us know. We'll
send you those and if you don't have the dods
same thing, just let us know. Free, so free Dan.
Speaker 3 (24:23):
We always talk about why aren't people making the upgrades
from the blueberry naked portfolio that has all these disastrous
bond funds in them. And by the way, bond funds
are gonna have another negative year, is my guess, right,
because interest rates keep going up. And if I look
at what the three year averages for the bond index,
(24:47):
it's sub one point four percent over three years, meaning
after I paid taxes and after I paid fees, I
made your row. So when you asked me about why
aren't people doing these things? And I always talk about
behavioral finance and we just are afraid to make things.
(25:10):
So there's an economist named John Maldon, but he's a ken.
He does his own thing, right, he's not employed by
the big box bank store where he has to say
the narrative, right. He does his own thing, and he
had a great piece. And it's called tariff induced paralysis.
Speaker 4 (25:29):
The next excuse me, meaning it's always something yeah, yeah.
Speaker 3 (25:32):
Right, And I love it when someone just calls it
what it is. If I am gonna say, Dan, I'm
gonna go for a walk tonight, or I'm gonna go
for a jog tonight. But yeah, it looks cloudy. You know,
I have an excuse to be inactive. But what we're
trying to do is give you, shall we say, a
(25:52):
very or the least invasive way to improve your financial situation,
estate planning and investments. And we talked last week about
the horror scene where a gentleman realized a complete stranger
somehow got inserted as his beneficiary of his retirement account.
(26:14):
Think about this, This is now going This is going
to depths. We never even thought identity thieves. We all
get it. They're gonna steal our credit card. Blah blah blah.
What if that gentleman had passed away and didn't catch
that thievery. All that money doesn't go to his boys,
money goes to this guy. So I said I was
(26:35):
going to do something to try to help people these issues.
Speaker 4 (26:42):
You did it, Michaels.
Speaker 3 (26:44):
We put together what do I do to review my beneficiaries?
Speaker 4 (26:49):
Another checklist, brand new white paper, guys.
Speaker 3 (26:55):
It talks about what do I need? What should I know?
To just review these in if your beneficiaries are different?
What to do next? What would you do if you
name your will or a trust is beneficiary, which we're
gonna say, I'm not happy with that. Do you need
to review different issues? Who's getting one? Because that could
(27:18):
be fluid? Do you have your estate listed as a beneficiary?
Speaker 4 (27:23):
That's old school.
Speaker 3 (27:25):
That's not good. Are No, that's old school. You know.
The only people that are applotting that the I R
S and New York State because it all becomes taxable.
What about if I have a trust listed? Does my
trust qualify to be using the ten year provision not
(27:47):
an immediate payout, so I avoid taxes for as long
as I can. Are you concerned that your heirs might
not do a great job with the money. How do
we do that? So it's a one pager checklist? Wow,
the beneficiary review checklist.
Speaker 4 (28:05):
Smooth as silk.
Speaker 3 (28:07):
Michael Brown and I would imagine, and we know the stats.
The majority of people say, I know I'm gonna get
my will. I know I'm gonna get a pover attorney.
I know I'm gonna get the healthcare directive. I'm gonna
call Mike and Dan have the re inhouse counsel do
it for. I know, I'm going to. I'm going to,
I'm going to. This is another to do list. This
is a today to do list. Ya.
Speaker 4 (28:28):
No, no, guys grab this again. Reminder WW same same
thing as our other white papers, same as the d
O ds. Guys www dot M A D I S
O N M A N A G E R S
dot com. Use the clickbox let us know you want
the brand new white paper. Because this was so many
(28:51):
of you.
Speaker 3 (28:51):
It's scared. It scared the pants off me when I
when I heard that letter.
Speaker 4 (28:55):
It's been Mike, but it's been a while. We we've
got a lot of requests along the way as to hey,
is there anything regarding benefisheries specifically that you guys have
and up to now this was no, not really kind
of glossed over. Yeah. I don't even think it's bad, Mike.
I just think to that point, I think it's just
(29:15):
kind of down the pike a little bit. But it
doesn't make it any less important.
Speaker 3 (29:19):
But if the listening audience realizes the scammers, the thieves
are now getting into your retirement account beneficiary list, I
act today.
Speaker 4 (29:31):
No, No, you got it right, that that Mike, that
kind of sealed the deal. Yeah, we had to get
this out to you guys, so again, same thing we
built it. All you need to do is ask for it.
Speaker 3 (29:42):
Ww Yeah, if you have an IRA, get this today.
Speaker 4 (29:45):
Www dot Madison Managers dot com. You can get email again,
we can gloss it over for you whatever you guys like,
Just grab it. Now. That's the that's the case.
Speaker 3 (29:54):
And I know it's a smaller segment of not just
our listening audience but of the country. But if you're
someone who is charitably inclined, right, Dan, say, I've got
IRA money, I have non IRA money, but I want
to give x percent to insert charity here city mission. Sure,
(30:16):
what do I give? You give the charities your retirement moneies.
The IRA money is because no one gets taxed on that,
you give your loved ones, human beings the after tax money.
Speaker 4 (30:31):
Yeah.
Speaker 3 (30:31):
Now that's an overly simplistic way to put it, right.
Speaker 4 (30:34):
But now, but that's your overly let me put it
this way. Your two minute tutorial there was better than
what ninety nine point nine percent of consumers of financial
planning advice out there are getting. Quite simply put.
Speaker 3 (30:49):
And I'm going to leave some money at charity. But
the point is it's my irrabit. I think again, I
think you're again, I think you're being too modest. I
think ninety nine point nine nine percent of plan ors
shall we call them, are not having those discussions. Hey,
just bear with me while I'm alive, though, if I'm
not age seventy three as the law states today, and
(31:11):
I don't have to take required minimum distributions yet, you
know what you give to charity appreciated securities.
Speaker 4 (31:19):
No, that's right.
Speaker 3 (31:20):
I can't help myself. I keep going down the rabbit
hole of way too much into this. But that's what
we do every.
Speaker 4 (31:26):
Day, all day. I go down the rabbit hole here
every day that I talk to you guys on the
phone in that if you do not have a Pillar
two style investment right now and again, this is what
we call the guaranteed pension for life. If the world
breaks down, you have a contractual guarantee that a payment
will be made to you if you do not have this.
(31:49):
And you know this is true everyone that I've spoken to,
whether you be a prospective client to client, I want
to know why. I want to know why you don't
don't want to be in that club. No one's saying
putting seventy five percent of your net worth in there
unless you choose to. No one's saying that. What we're
saying is, why not adopt now whilst we have a
(32:13):
vehicle that is pretty close Mike, pretty close to the
highest guaranteed patral rates, right, the highest guaranteed increase on
said pension dollars in the years.
Speaker 3 (32:28):
Would you say, since two thousand and six.
Speaker 4 (32:31):
Seven, twenty years, let's just call it twenty years, right, yep?
Why would you not at least put that just get there?
If you say, Mike in the toolkit, why and we
have that discussion. We have that discussion because we have
to make sure Mike in that at the end of
the day, at the end of the day. And you everyone,
(32:51):
why starts diverse five portfolio, diverse five portfolio, diversit five portfolio? Well, well,
getting the magenta is not really diversifying your portfolio. Everyone
getting putting to an a hour percent of the magenta.
If it breaks, the magenta is breaking too, okay.
Speaker 3 (33:04):
Because everything all right, I'm gonna go too deep. Every
investment now is correlated. They all move in sync like
line dancing in the old days. When something would zig,
your other piece would zig right, and you're trying to
balance out the risk they all zig together, they all are.
That's not diversification.
Speaker 4 (33:24):
They all are being pushed by the same machines. Make no,
make no mistake.
Speaker 3 (33:28):
You have to diversify your risk.
Speaker 4 (33:30):
So very good, Mic. So the point is, guys, if
you don't yet have Pillar two, please before the FED
starts cutting. I don't care if it's in twenty twenty
six or if it's upcoming in June. Please, guys, let's.
Speaker 6 (33:43):
Because Wall Street's gonna be ahead of Let's make no.
You can't wait for that dance. Let's adopt. Let us
at least get you educated now. It's www dot Madison
Managers dot com.
Speaker 4 (33:53):
We have a bread new white people. What a surprise,
Mike Brad, Guy scrab a copy. There's no reason not to.
Will be right back.
Speaker 2 (34:03):
You are about to experience the planning for prosperity.
Speaker 3 (34:06):
Show in three two Here.
Speaker 4 (34:13):
Salu the ones who died.
Speaker 5 (34:15):
You know these boys, I do, but I have the
Brown Man.
Speaker 4 (34:20):
I get it all the things we I just think
I've heard this song four trillion comments like everything else
has now and it's like you almost fringe.
Speaker 5 (34:32):
When you hear it, I'm about to dance, happy that
you would be happy two step slushing through the old pond,
the freezing cold pond, dropping dropping.
Speaker 4 (34:44):
Those hot dogs all over Michael Brown. I don't know
if this is director Michael Brown.
Speaker 3 (34:49):
I don't know if this is true, but I saw
a commercial. You know, this weekend's also the Indianapolis five
hundred America so Oscar which you know I'm a fan of.
The hot dog is one of the major sponsors.
Speaker 4 (35:04):
Wouldn't pay for Oscar Meyer.
Speaker 3 (35:06):
Oh, but let's not go there, Horn King, they had
I don't know if it's true. I'm gonna look it
up where they had six you know the old commercials
Oscar minor Oscar Meyer the wienermobiles where they had six
of them souped up racing on the track. Oh did
they really It was called the Oscar Meyer like forty.
Speaker 4 (35:27):
Mobile or something like that.
Speaker 3 (35:28):
Yeah, I hope it was true because I would go
see that.
Speaker 4 (35:32):
Yeah. They shouldn't have too high a center of gravity,
should they. Okay, guys, happy weekend. With that said, I
hope it Wasmorial Day theme obviously everyone old school. Just
for all of those of you who are begging from America,
Mike Brown and mister Producer's tribute to America exactly right.
(35:54):
Guys were giving you a bunch, a bunch of reasons
to get in touch with this at Madison this week,
and you guys have been so great. So again, I
always recommend this. You're on your iPad, you get your
iPhone next to you, right now, whatever it happens today,
easiest way is right now, whilst you're thinking of it.
It's www dot Madisonmanagers dot com. Www dot m A
(36:16):
d I S O N M A n A g
E r s dot com. You go to the to
be transported to the front page. Right, you get to
see clickclickies where it'll say request an appointment, request more information.
Whatever it happens to me, just click on any one
of them. Mike Brown just unleashed a brand new white
paper with respect to benefisheries, beneficiary designations. Things to think
(36:42):
of when designating benefisheries, all of those items that I
think just about everyone in this business, shall we call
it loves to gloss over.
Speaker 3 (36:56):
Right, because this is the heavy list.
Speaker 4 (36:59):
You actually to write something down, You actually have to investigate,
right Because Dan, let's say someone comes in and you
have to have a conversation and I'm gonna.
Speaker 3 (37:07):
Update my trust or my will or whatever it is.
The next question is, Okay, these beneficiaries that you have
in your will or your trust or whatever it may be,
do they match what's on your four oh one K,
your IRA or your four oh three B. And that's
when you get the I'm not sure.
Speaker 4 (37:29):
Yeah, well well and that's why, guys. And again the
cheap tie in. We're gonna do the cheap tie in too.
Requesting your copy again www dot Madison Managers dot com.
Click on one of those clickies. We'll get it straight out.
If you haven't gotten the two white papers from last week,
These who were in shall we say production for a while, Okay,
they're coming off the assembly line now, humans not robotics.
(37:52):
Humans not robotics. Guys, we built them out. Just just
grab them. Okay again Madison Managers dot Com. Request And finally,
if you don't have the DODA right, if you don't
have the d D version two point zero yet, I
don't know what you're waiting on, but request the copies
because they're free.
Speaker 3 (38:10):
And may be tariff induced paralysis. Our latest excuse. There's
what's the next excuse.
Speaker 4 (38:16):
Going to be, Mike, there's Mike, There's always something I'm
going to give you. Here is where I think we're
making great strides with education, is that when you are
first adopting Pillar two, specifically, whether you want to call
that guaranteed income for life, whether you want to call
(38:37):
it your own personal pension. Oh, by the way, you
can out of spouse right, make it what we call
joint and survivor. Right, you want to do that, you
want to call it a pension income, whatever you want
to call it, guaranteed what you'rew all right, whatever you
want to call it, guys, it's income for life. This
is creating your own pension. For those of you who
have yet adopted and or you're the first time adopter.
(39:01):
I think what rings true, Mike, and what really sets
the bulb off, if you will, is when you realize
that you're actually investing. Right, We're actually investing, guys. This
isn't This isn't in the back room, right, This isn't
in the back room of John Hancock or Nationwide or
(39:21):
homever right where they send you a form or a
print out once a year that says, at age sixty two,
you're eligible for one than two hundred and seventy seven
dollars and forty two cents. Please try again next year.
This is not that, it's the furthest thing from You
see a portfolio. You see a portfolio that's being managed
(39:46):
by arguably some of the most highly respected teams right
that do this sort of thing in the free world.
Here what I just said in the world. Okay, And
you say, wait a minute. If I can get this
type of performance out of this vehicle, and I get
(40:10):
all of these guarantees, including full death benefit.
Speaker 3 (40:15):
And I can look at it every day to see
the value.
Speaker 4 (40:18):
Why would I not? And what if I been doing
all these years? And that's the question, Mike Arian is
the question on this Memorial Day, Why would you not?
And what have you been doing all these years?
Speaker 3 (40:30):
I'll tell you one reason we're all afraid of buyer's remorse.
We go trade in our car, we buy a new car,
and then a week later we're not crazy about the
navigation system or not crazy about the audio system, or
the rear camera assist isn't perfect. And then we start
(40:53):
questioning ourselves the old Monday morning quarterback theorem. You're not
going to have that, because once you upgrade from your
naked mutual funds ets Blueberry portfolio, there is no buyer's remorse.
Speaker 4 (41:10):
No, it's over right, it's game, set match. That's when
you start telling your friends, that's when you tell your
family members, et cetera, et cetera. And make no mistake, everyone,
what we get seventy five plus percent of the time
when you adopt Pillar two right, guaranteed income for life,
create your own pension seventy five percent of the time.
Those of you that have kiddos, you always always ask,
(41:33):
how do I get my kids involved in this? And
the problem is such is that if these A rated
insurers were to extend this, these guarantees, right, these rich,
rich benefits to the younger generation we're talking about Pillar.
Speaker 3 (41:50):
Two, yeah they would, that's the only one that has
an age kind of entry date.
Speaker 4 (41:54):
But the point is this, Mike, they would no longer
be A rated institutions. That's the point. So, in other words,
guys can't afford it. That's how rich these benefits are
right now, in the here and now, So you have
to be of a certain age. It's just that simple.
So our point is this, Our point is this again,
(42:14):
let us at least educate. Let us show you what
it looks like when these ramp up, right, as these
go right through time, right, just like your current Blueberry
is going through time.
Speaker 3 (42:28):
Right.
Speaker 4 (42:28):
Let us show you that, and then we can kind
of juxtapose the two, right and say, well, here are
the benefits on this and this one. Simply put, it
has no benefits.
Speaker 3 (42:39):
And have you ever seen Dan one of these model
Blueberry portfolios not have bond funds in them. No, I'm
sure exists. I'm sure they do. Maybe I don't remember
seeing them. I don't think those things are toxic. Yeah,
(43:00):
and again I'm not making rectation buy seller hold. The
math is the math is a math. They have let
you down for a decade now.
Speaker 4 (43:09):
Yeah, And I'll say this, guys, it's not and and
what Michael saying is this, it's not the portfolio manager,
it's not these fun companies.
Speaker 3 (43:16):
It's just the backdrop. It's the it's the.
Speaker 4 (43:19):
It's the world, absolutely, guys, it's it's the world. In
speaking of the world, let me say this not and
I have to say this not a solicitation to buy
seller hold. But you've probably noticed everyone that's gotten choppy
again out there right when we talked about markets and
bond markets, Michael, and all of the above, right, gone
(43:40):
gotten a little choperific. Well, here's the thing we like
to point out is that the buy back window, okay,
meaning the big big boys that love to support the
markets right when they can, they love to go in
and buy back their own stock. The Hoogles they rhyme
with watahs, right, they weren't rhyme with insert name here, Snapple, right,
all the above guys, they're going to be coming up
(44:02):
on what we call blackout period, meaning even if they
wanted to, if the market were down three percent, if
their stocks were down five percent, they wanted to go
in and buy with ferocity, they can't.
Speaker 3 (44:14):
They just legally can't.
Speaker 4 (44:15):
They cannot.
Speaker 3 (44:16):
They're not making a choice. The choice is made for them.
Speaker 4 (44:19):
June is also historically tricky month, right, historically if you
believe in that sort of thing. Okay, we are not
going to have any earnings reports of substance until not
the day but no. But but the point is, Mike,
this is where we're I But here's the point, because
this is where we're heading, Okay, And the point is
(44:39):
this guy's you're gonna have the budget, you're going to
have geopolitics that are always out there. The point is
this guy's if you're looking to maybe get timely again, right,
and you're looking to maybe buy a little dip, right,
you're looking maybe buy a little dip, and you know
you might want to buy a dip in one of
(45:00):
the pillars we talk about, right, give that a shot
could be coming up on another time here, Mike could
get another shot. It doesn't always happen that way, right,
but but in this environment that we're in, it seems
to be happening more and more frequently.
Speaker 3 (45:14):
So just saying in more and more, just ooh, the velocity,
the ferocity just is going up.
Speaker 4 (45:21):
And that's guys, that's the point. That's the point. Even
adopting one of pillar two, Pillar three, pillar four, pillar five,
even adopting just one is going to improve your sleep
at night factor by definition, right, by definition, it literally
it literally has to. So let's start educating now in
(45:41):
case that opportunity does arrive for you dip buyers in
the next couple of weeks. Best way www Dot m
A d I s O. N Managers dot com. So
it's www. Dot Madison Managers dot com We've got all
kinds of white papers, brand new beneficiary one all free,
we got dds, let's educate, Happy Memorial Day and let's
(46:02):
hit this week running. As they say, Michael Brown will
see in the office. Everybody
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