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 with the planning for prosperity
show in three two wore.
Speaker 3 (01:15):
Broken wings, mister mister, Oh look look at you right
out of the gates. That's it. I'm gonna talk about you,
Damn Daniel Plants, Michael Brown. You're in a sweater. We're
all in sweaters here, various forms of sweaters.
Speaker 4 (01:31):
No, we live in the Arctic circle.
Speaker 3 (01:33):
Oh you look good. You got like a textured shirt.
Not even my blind eyes can see that.
Speaker 4 (01:37):
I got dressed up for you.
Speaker 3 (01:38):
Wow, you look good.
Speaker 4 (01:40):
My Sunday best.
Speaker 3 (01:40):
Mister producer's got a green tie on.
Speaker 4 (01:43):
Wow, this is about as good as we look.
Speaker 3 (01:46):
Happy week and everyone again, Danny Polansky, Michael Brown, Managing Director,
Michael Brown, Madison Wealth Managers. So proud to be so
welcome aboard the cruise ship. You guys have been absolutely fabulous.
You know, we're pleased and thank you to the core
if you believe nothing else, for whatever reason separates us
from the crowd out there, we are pleased and thank
(02:08):
you and you guys who are on the cruise ship.
You understand that, you guys that listen to the show,
you understand that. So we have to say thank you.
Do O D version two point zeros guys for those
of you who don't know, we are allowed to have opinions.
In our opinion, it is our best estate planning work.
Yet we have it professionally down.
Speaker 4 (02:26):
And we've woven in tax ideas. Absolutely, We've all woven
in some generic investment thoughts based on taxation. What kind
of investment should I hold my IRA versus what kind
of investment should I own with my after tax money?
Speaker 3 (02:44):
And I will go so far. And you guys know
we've said this over and over and over again. There
is no way that this doesn't prove helpful to you
and or no, there is no way, guys, when we
construct these, we do these as though we are the consumer.
We call them consumer grade. We we know how we
like to consume information. We know you're busy, We're we
(03:07):
know we're busy. Right, we want to see bullet points.
We want to see it right in front of our face.
We can upload it right, upload it. The door brands
get to the point absolutely right, and that's what it
is all about. So point, here's the big point. They're free, guys,
They're free, and you've done such a great job. Keep
it coming. I think the best way to do it
(03:27):
is www dot Madisonmanagers dot com. You guys, like when
I spell it, it's www dot m A D I
S O N M A N A G E r
s dot com. When you arrive, when you are transported,
you will use any of the textboxes. Just let us
know how many, and we ship them right out freebies,
free of charge. Let us know. Now here's the other thing,
(03:50):
and I want to go in this direction. First first
verse first first, and I talked to Michael about this
just one second ago. You guys in conversations, because we're
seeing so many of you adopt at least a portion
of your portfolio, within a portion of your portfolio a
pillar two strategy. Right, your you are which is which
(04:11):
is whatever you want to.
Speaker 4 (04:13):
Call it, income for life.
Speaker 3 (04:15):
Absolutely, that's a That's that's all it is, guys. It's
income for life. We can't go down your portfolio within
your portfolio, right, not in a back closet. You have
a portfolio. You want to be growth. You can be growth.
You want to be balanced, you can be balanced. Whatever
it is. Okay, But as Mike said, this is income
for life. Here's what maybe Mike and I little blind
spot here, what maybe we haven't been super clear on. Okay,
(04:38):
let's say hypothetically, hypothetically not a solicitation, a buy seller
hold you guys know this. Let's say with your growth
strategy portfolio that you adopt within pillar two. Right, so
your growth growth Let's say you receive a seven percent
with draw rate guarantee.
Speaker 4 (04:55):
All right, so I put it in a million bucks, I'm
gonna get seventy thousand or per year boom.
Speaker 3 (05:01):
Regardless, right, regardless for it. No, here's the point, guys,
Here's what we haven't made clear. Is that the next
two hundred and fifty thousand that you want to add
is also locked in. You are locked in at that
same seven percent rate. So regardless of what the current
rate is, right, regardless of what the current rate is,
(05:25):
if the current rate is five point eight, five point
five six, whatever it happens today, you are adding at seven.
It is fully stackable. Guys. It is a huge competitive
advantage for you. He's the investor.
Speaker 4 (05:44):
So let's say Dan, I'm I'm the investor. I get
my reservation at the table. Yes for this called seven percent,
which all rate okay in interest rates two months, six
months a year, team, let a case ab go lower.
Speaker 3 (05:58):
That's the key.
Speaker 4 (05:59):
Okay, New people to pillar two don't get the seven
percent anymore.
Speaker 3 (06:05):
It doesn't.
Speaker 4 (06:05):
It doesn't exist to new reservations.
Speaker 3 (06:08):
That's what I want to educate on. You're doing a
great job. I keepilling kick going.
Speaker 4 (06:11):
So now that I'm in the club, could be six
months a year two years from now I retire. Yeah,
I'm gonna roll over my four owe k. I can
put it back in Pillar two at the higher rate
no one else can get.
Speaker 3 (06:24):
You don't have to worry about five point five. In
other words, guys, you don't have to worry about five.
And that is the point. That is the point. We've
got the opportunity right now with a provider, with the
provider who shall go nameless. Many of you have adopted
this provider, you know, Okay, But the point is this, Guys,
their current guaranteed rate right within retirement is a full head,
(06:49):
full ahead and part of a shoulder above where everyone
else is. Okay, I'm willing to hazard a gas that
the rest who have a lower rate right now are
hang aloriate. I don't think they're coming up, Mike.
Speaker 4 (07:02):
Well, I think of it this way, Dan. Let's say
I have every month one dollar in fixed cost to
my life. Mm hmm okay, huh. So if I can
get the seven percent, I don't have to commit as
much capital that what everybody else is going to guess.
Then I have more free moneies.
Speaker 3 (07:21):
Well to do what I want to do. Well, well done. So, guys,
what we're really making the point here is this is
all about flexibility. So if you have let's say, hypothetically
in old high ray that's rotting somewhere, you.
Speaker 4 (07:35):
How many of these have abandoned for one case?
Speaker 3 (07:38):
Dan?
Speaker 4 (07:38):
What are they're orphans?
Speaker 3 (07:39):
You just you nailed at Mike. You have a rotting
for a one case somewhere where no one's looking at it,
including you. You want to be growthy growth. You want
to growth strategy, right, you want a growth manager. You
want a growth growth strategy, and oh, by the why,
maybe you'd like to get in the club. So at
some point in time, when I'm ready to commit a
(08:00):
significant pot of capital to the strategy, I'm able to
add at decades high height.
Speaker 4 (08:07):
Your head start is going to be insane.
Speaker 3 (08:10):
That's the point we're making here, guys. And maybe again,
maybe this was a blind spot, Mike. Maybe we weren't
clear enough, maybe we didn't pound We always do this well,
I think, because again we really give you, guys the
headlines and what we think is most important. Hey, get
on the cruise ship. Let's do this right now. Because
(08:30):
but the fact that so many of you now are
looking to add monies, we're starting to realize that maybe
we didn't make that clear enough over the air, right
It's it's nothing but a win win win, win, win
win win for everybody forever except the investment company for
investment company in And they're not our pals everyone, No,
let's be very clear.
Speaker 4 (08:50):
Wall Street is not your friend. That they're there to
take your money away.
Speaker 3 (08:55):
The guys. And that's when we talk about the pillars.
Right when we talk about the pillars, we are pulling
out for you what we deem to be the best
representative within that pillar. It's not, as to Mike's point,
we have absolutely no predisposition towards any provider, quite literally.
Speaker 4 (09:19):
And that's a big deal, Dan, because there's a lot
of people in our business. They're called captive advisors. They
work for x y Z company. They can only sell
x y Z Company's investments. We don't manufacture investments. We
never will well done well never never. Uh So we
get to compare mathematically everybody that's in the same flavor,
(09:40):
all the manufacturers, all the Pillar two guys, all the
Pillar three, Pillar four, Pillar five, and the tools now
are just incredible. But I know we have to go
to break. But I have to give a big thank
you to Mary. She sent me a lovely card because
of my boombles. May thank you so much your love.
Speaker 3 (10:00):
Thank you a great a great client, and a and
a great spirit aboard the cruise ship and probably the
largest carrier of pom Poms and we love well. You're
not the largest, the pompoms are the largest. Mary is
a very very slight woman. So happy weekend everyone, Dan Polansky,
Michael Brown going to break everyone in the meantime. Www
(10:22):
dot M A d I S O N M A
N A g e rs dot com. Two reasons this
week guys d O D two point oheros. If you
don't have them their freebies, get two copies and then
the second, please, whilst the getting is good, let us
get you some education on pillar to what is our
(10:42):
favorite vehicle right now? Let us get to that education.
So again, guys, let us know www dot Madison Managers
dot com. We'll see you right back.
Speaker 2 (10:53):
You are about to experience the Planning for Prosperity show
a three two cheer.
Speaker 3 (11:05):
This is your hair band. What's his name? Michael Verga.
Speaker 4 (11:16):
I think they were a big fan of the Aquat Hairspring.
Speaker 3 (11:18):
Planning for a Prosperity radio hour. Welcome aboard the cruise ship.
It's Michael Brown's here, managing director, Madison Wealth Managers. I'm
Daniel Plansky. Also of these, Madison Wealth. Also of these
Madison Wealth Managers. Cruise ship is in the port. We
already did a little debrief with respect to Pillar two, right,
(11:41):
and a huge advantage that maybe we haven't pounded the
table on. We've already discussed do O D two point zero.
They're waiting for you, guys, they're freebies. I say, grab
two at least and you have all again. Big thank
you from us here at Madison. You've done such a
great job late moving these on to the next generation,
(12:02):
to the kids. The beneficiary club, whatever it happens to be.
And as we said in the first segment, guys, there's
no reason not to request a copy because again it's free,
it's shipped for free, it will last a lifetime, quite literally,
even if you put in the microwave each night. And
and we all but guarantee that you will find at
(12:24):
least something helpful within this particular bound vehicle.
Speaker 4 (12:28):
And dad, as for the year ears now, we've probably
since COVID, we spent a lot of time on a
state planning because I think a lot of people were
reflecting on their own mortality. What this is going to
do is give whoever the poor person is that you
name as executor, executrix, trustee, power of attorney, healthcare director,
(12:50):
whatever may be, give them some ammunition to fight the
fight against government. That's what it is well done, all right,
because again I said in the first segment elsereet's not
our friend. We all know the government's not our friend.
So if they the government has a chance to steal
a dollar from you, they're going to. If the court
system has a chance, they will, If the legal system
(13:11):
has a chance, they will. So you're going to give
some ammunition to whoever has that enormous responsibility and liability.
Yeah right, so think don't think of it as I
need to learn all this stuff. I'm gonna be gone
and I'm dead. Whoever has to step in my shoes
and make these financial decisions, they need the information.
Speaker 3 (13:31):
Very very very well done.
Speaker 4 (13:33):
And everyone right now is getting in the mail a
lot of bad news. Right they're ten ninety nine's their
their tax statements, realizing, oh my.
Speaker 3 (13:43):
This is something else we don't put all that often.
Speaker 4 (13:46):
And we've talked about a little bit. And I got
a great phone call this week saying, I don't know
how you guys knew it, but I have the Blueberry
portfolio and I owe a tremendous amount of taxes. And
these bond funds never made a nickel we've got. Yeah, yeah,
lots of guys. This is a fallacy that these bond
funds are going to save you money somehow. They're not.
(14:07):
They're terribly tax inefficient. They don't make any money.
Speaker 3 (14:12):
We sat down with a gentleman who you are a
cruise ship member, and you might even be listening right now.
You know who you are. You sat down and you
went in, you sat down with us and your biggest
I don't want to say concern, but the biggest area
on your mind was that within your portfolio had no
(14:34):
bond exposure, no bond exposure, and a little bit older, right,
getting on you know, getting on in years, okay. And
the point was this is that immediately, Mike, remember when
we spent all that time on these airs, we talked
about Pillar two point zero again income stream for life
with you're all stream for life, personal pension whatever you
guys want to call it, right, and we talked about
(14:56):
it as why not utilize this as a bond substitute? Right? Well?
Speaker 4 (15:01):
Absolutely, but at the same time you're gonna get more
cash flow than you can from a BONDFID what else?
You got a lot more and potential for your money
to grow.
Speaker 3 (15:11):
And also, Mike, what else if you don't want to take.
Speaker 4 (15:14):
Your benefit right, the amount you're going to get in
the future, Uh huh A CRU's higher, just like Social Security.
Speaker 3 (15:21):
But do you get a ten ninety nine in the
mail mic and not hold it off?
Speaker 4 (15:24):
Not until you choose to?
Speaker 3 (15:25):
Huh uh huh. So what you've done, what you've done, sir,
is now you've understood that we can always add dollars, right,
we can always add new dollars at those rates, right,
at those rates in retirement that simply put, hadn't been
around for twenty years. Guys, it's not an exaggeration twenty
(15:49):
year highs. And think about this. You're continuing to add
at those rates. And guess what else you're adding to.
Rather than adding to your bond fund, you're adding to
gross stock exposure.
Speaker 4 (16:00):
Now, think about that. It's not a fair fight, Pillar
two versus bond funds. It's not a fair fight. It's
a heavyweight versus the lightweight. In these bond funds. Every
penny that they pay to you is going to be
taxed as ordinary income. You might even get some short
term capital gains, some long term capital gains.
Speaker 3 (16:18):
And that's just because Mike, why is that, No, no
one in their right mind is really selling bonds. He's
portfolio manager selling bonds right now. They're simplate, but they're not.
What they are doing, though, is because your neighbor. Your
neighbor got a little queasy and got a little sick
of it. What they did is they hit the sell button.
So your portfolio manager, who has nothing to do with this,
we don't blame We're not blaming the portfolio managers for this.
Speaker 4 (16:40):
Their hands are tied.
Speaker 3 (16:41):
I have it.
Speaker 4 (16:42):
They're not the dummies in the room. It's just they're
fighting a fight that can't be won.
Speaker 3 (16:48):
It can't be one now.
Speaker 4 (16:50):
And on top of all that, you're gonna have your
ordinary income tax short term capital gains are taxes, ordinary
income long term gains, depending on your tax bracket. But
whatever one is forgetting is that income. That interest is
also being tacked on to all your other income, so
your adjusted gross income sensitivity is going up. At the
(17:12):
same time, that income could potentially put you in that
three point eight percent net investment income tax penalty box.
So I'm paying ordinary income, it could possibly raise me
into another tax bracket, and then I'm gonna get the penalty.
What are we doing here? All right, folks, there's just
a better mouse trap.
Speaker 3 (17:31):
It's it's not it's it's not even it's not even
a fair fight. I'm gonna give you something to Mike,
and again, guys, not to jump around, but I'm gonna
give Mike a little fair shot here at his favorite pillar,
pillar four. Okay, because a lot of you, a lot
of you, right, death happens you inherent assets. You have
beneficiary iras. Okay, Sometimes some of the pillars are not
(17:57):
terribly conducive to beneficiary irays. Quite simply put, some carriers
don't deal in that, and they don't want the hassen
correct mind it's extra work. However, here is what I've
seen lately out on the Prowl. When we go out
on the Prowl and the cruise ship lets off and
we go onto the port of call your day excursion,
(18:18):
the day excursion, here's what we're seeing a lot of
We're seeing a lot of beneficiary irays in Michael Watt
the Blueberry portfolio. Quite literally, you intentionally, and this is
done intentionally. You have no idea what you own, and
nork nor could you? Okay, nor nor could you. The
point is this, there's a solution that's really really simple. Okay,
(18:40):
where I can be Index boy, I can be Index girl, right,
I can be nas dak.
Speaker 4 (18:49):
You're not using the correct pronouns. I I'm sorry.
Speaker 3 (18:53):
Take that back. Yeah, I can be nas Dak boy. Okay,
if I so choose, I can be sm P boy
and can be ut the combo. Yeah, if I want
to be fifty to fifty combo, Mike. Now here's the point, guys,
Not only that, not only that, guess what I do.
I can define my downside. Guess you heard that, right,
I can define my downside. And this is all within
(19:17):
a beneficiary, IRA. We do all the workie work for you.
We get you your rm ds, right, we get your
arm ds should you choose to take them. Now if
you're someone who has to take them manually, whatever it
happens to be, we do all of that for you.
And guess what you get to do. You get to
feel confident that if the index rules, you are the
(19:40):
lion or the lion ass right, Michael. And if the
index does a little poo poo, guess what, Mike, somebody's
there to clean it up.
Speaker 4 (19:48):
That I'm gonna get my principal back. They're paying me back.
Speaker 3 (19:51):
Somebody's somebody is there to clean up.
Speaker 4 (19:53):
And there, as you mentioned earlier, Dan, there aren't a
lot of investment companies that like to play in this.
Speaker 3 (20:00):
That's okay. And that's why, guys, that's why you'll notice
a lot of your beneficiary, IRA is guess where they
go right into blueberry? Blueberry, because you know why, it's easy.
You heard Michael and I totally unrehearsed, just say that
at exactly the same point.
Speaker 4 (20:15):
And don you know, it's not easy for what's that
the actual account owner, because they're they're they're getting the shaft.
Speaker 3 (20:21):
Absolutely well, it's it's it's it's not just that, it's
it's again, it's chances are pretty good it will be
middling to poor performance, right, middling to poor, right, how
can it not be? It will be feed feed nicely, Okay,
feed nicely. You'll be able to play that super duper
game where you get to sell two of your favorite
funds each and every year, whether you want to or not.
(20:42):
You'll be and again, guys, you'll be, let's say, you'll
be maybe a little like white Lie, maybe a little
fib to like, oh we got some better performance. Has
nothing to do with that, Guys.
Speaker 4 (20:50):
I'm gonna go from the intermediate grade bond fund to
the short term bond fund you've got within your portfolio
because the advice your investment house requires velocity, meanware's asset
movement in your account.
Speaker 3 (21:06):
Meanwhile, meanwhile, meanwhile, here at the ranch, right here on
the cruise ship, you can be in whatever your favorite
index is. You can switch through. You can work with
Mike and myself our team, picking your favorite indices year
by year, whatever you choose. Right, and guess what, we've
got your downside covered. Right, we've got your downside covered.
(21:27):
We've got you play into the upside. Right, we got
you play into the upside. Oh by the way, we
handle your arm ds and we do it all for you, guys.
We can't make it any easier. We got to keep
talking about that with beneficiar iras. Guys again, if this
sounds good, let us educate www dot m A dso
N Managers dot com. Use the textbox again, guys, Order
(21:49):
of importance this week DD two point zeros they're free.
Let us know. Use that textbox again. Pillar two, let
us educate please whilst we still have these I'll call
them artificially high rates. Let us educate. And now Pillar four, guys,
beneficiary I RaSE, we have to have to educate. There,
it's all there, it's all free. Use the textbox. Madison
(22:10):
Managers dot Com will be right back.
Speaker 2 (22:14):
You are about to experience the Planning for Prosperity show
in three two.
Speaker 3 (22:26):
Oh my, what I want to know a lot foreigner?
Look at you?
Speaker 1 (22:33):
Good at this.
Speaker 4 (22:34):
Look at you go today.
Speaker 3 (22:35):
Look at that happy weekend, everyone planning for Prosperity Radio
hours to producer, you're doing something real nice today, real slight,
isn't there chuckling? He's got Oh he can actually think
clearly now he's gotten some nutrients into his body after
after he went on the starvation diet for months and
yeah yeah, and he was like, you're looking at him
not yeas he can now think. Look at it.
Speaker 4 (22:58):
I love it.
Speaker 3 (22:58):
It's like the nutrients are passing you through the blood
braid barrier. Now. It's amazing how that works, isn't it?
Speaker 5 (23:05):
After six months of fascinating You're Prosperity Radio guys, Danny
place you like, proud, so proud to be your Madison
Wealth Managers guys again www dot Madison Managers dot com.
Speaker 3 (23:17):
I'm gonna spell it out to www dot m A
d I S O N M A N A G
E r s dot com. And we're really building today
because we want you to use a textbox when you're
out there. I think the best time to go is
literally right now, whilst we're all thinking about it, you know,
to head out on your little you know phone thingy
tablet thingy, whatever it happens to be. And again, let
(23:38):
us know in order of importance, and no, listen, let
me let me take that back. I will say this.
If you don't have any of our work yet, d
O D two plan Oh, okay, d O D two
plan oh, request two copies. Keep it that that simple
Pillar two. The time is now okay, guys, the time
is now walt interest rates or shall we call them
(23:59):
artificially right, artificially high? Let's take advantage because as we
went through in section one in our first segment today,
we went through we can always add once you're in
the club at two days rates, even if tomorrow's rates
for the same investment are significantly lower, that gives you
us what we call a sustainable competitive advantage. Vis A v.
(24:22):
Your neighbor, right, VISA for your neighbor.
Speaker 4 (24:24):
VISA VI your tax table, VISA V inflation, keep going
for V possible bad market conditions for.
Speaker 3 (24:31):
You and your family. Right, and then, last, but not least, guys, again,
let us educate on pillar four because we're seeing a
ton of blueberry portfolios out there that are inherited beneficiary iras,
and pillar four might just let's put it this way
might sweat your appetite a little bit.
Speaker 4 (24:51):
Well, just look at the numbers.
Speaker 3 (24:52):
That's right. Let's just leave it at that. Let us
educate again. Use use the textbox www dot Madison manager
dot com. If you want all of the above, say
send me all of the above now, Michael, Yes, sir,
another blind spot right, We have many many blind spots.
And you guys, you guys pointed out. Listen, you guys
do great job. I mean you educate us as much
(25:13):
as we educate you. And that that's what that's what
we like. Here's the thing, the super duper trust. Okay,
oh boy, we sit down with so many people. Whether
you've gone to a these seminars, Mike, win's a hard
we gotta do a seminar when when they've gone. You've
gone to these seminars. We know you don't want We
know everyone on the creature you don't want to go
(25:34):
to a seminar, but they can I don't know. Here
here's the point. Can we have some good food, well
we would have good food, but I can't imagine anything
whatever you want, like, are we.
Speaker 4 (25:44):
Going to hold it on a deck?
Speaker 3 (25:45):
That is a deficit with Isaac making drinks absolutely Okay,
that is a definitive. Now here's the point. Whether it's
a seminar, whether you've listened to something on like infomercially
on the TV, on the radio, whatever it happens to be. Guys,
the super Duper Trust is for sale. We understand that. Okay.
And again we don't listen. If there's value, the price
(26:06):
is irrelevant. If there actually is value, okay, we don't.
We don't get into oh, you paid too much, it
didn't pay enough, blah blah blah blah blah. If there's value,
you can justify just about any price. Okay. If there's
no value, you can't justify any price. So, yes, the
point is this here. This has nothing to do with price.
This has to do how to help your family. Okay,
let's use this example, guys. And again we have to
say this not a solicitation to buy seller hold. Okay,
(26:29):
I have my super trust drawn up. I own Growth
Fund of Mississippi. Okay, I stick Growth Fund of Mississippi
in my super Duper Trust, just as I'm told to do. However,
I am naked, Okay, I mean not realize I'm naked. Okay,
my neighbor doesn't have super duper trust. Right, doesn't have
(26:52):
super duper trust has Growth Fund of Mississippi, same fund, guys,
you're hearing this properly, same fund. Yet they can to Madison.
They came to Madison, and they are in pillar three
two point oh Pillar three two point zero. Where again
you have two things, full inoculation against loss. Right when
held a term right, full of not you heard that correctly,
(27:13):
cannot lose a nickel, okay. And the other thing is
when twenty twenty two happens, right, which it will inevitably
happen again, right, it's not effens. When when twenty percent,
twenty percent of the SMP disappears, Okay, that's at the
end of the year, by the way, that's not mid year.
That's at the end of the year. And thirty percent
(27:33):
of the Nasdaq one hundred disappears, okay, And again that's
not middle of the year when it was worse. That's
at the end of the year when that happens, and
you just happen to pass away, right, you happen to
pass away you that was your time, right, that was
your time. You who have the super duper Trust Growth
Fund of Mississippi. Right, your heirs let's combine the two
(27:54):
and say they now have twenty five percent less dollars
right to distribute to them, but they have the super
duper trust. Not gonna help them. There. Here's the point.
Your neighbor who had Pillar three version two point zero,
same exact circumstance, passes away same day, right, same day,
portfolio is down twenty five percent. No super duper trust.
(28:18):
But but but but beneficiaries get all off your initial
million dollars back. They don't get seven to fifty, they
get a million dollars.
Speaker 4 (28:29):
And there's no probate. There's no probate court. There's no questioning.
If someone didn't like the will, they felt like they
were cheated, do.
Speaker 3 (28:39):
You know who they talked to. They took to Mike, right,
They took to Mike for two many and.
Speaker 4 (28:43):
The money goes out to the kiddos, to whoever. The
beneficiaries are chop chop.
Speaker 3 (28:47):
Right, And maybe they'd also like some advice so they
can talk to Mike two. So the point, the point
is this, guys, there's no comparison. Quite literally, this is
what we call true estate planning. Nothing wrong with the trust.
We're not knocking the trust, but please under no circumstance
equate having the super duper trust to principal protection. Don't
(29:09):
equate that, because we're hearing a lot of that, Mike,
We're hearing a lot of that, and I don't know
if it's a misunderstanding. I don't know what's going on
with respect to educating on that side. But guys, it's not.
There is no Guys, there's no principal protection unless you
utilize what we call the pillars, right, unless you utilize
(29:30):
four to the five pillars that we speak about, there
is no principal protection. Guys. It's that simple.
Speaker 4 (29:35):
And at the same time, dan certain trust get absolutely
shaken down from a tax perspective, right, these irrevocable trusts,
and people don't can't grasp this. Those types of trust
have certain benefits we understand when they are applicable, but
if you're retaining income and dividends in these things, you
(29:58):
get taxed at an absolutely insane rate versus personal taxation
or a revocable trust. So if you don't really know
what type of trust you are working with and are
starting to question the taxation within it, we'll just have
our legal guys take a look.
Speaker 3 (30:18):
As well done, well well, well, well well done.
Speaker 4 (30:21):
I mean Dan and I are not attorneys we play
them on television or not attorneys. But that's why we
have attorneys here exactly, and then we are in concert
with them to.
Speaker 3 (30:30):
Ask the right question. Well, that's Mike and there and
that that piece right there is very well said, and
it's the coordination. We used to talk about this. We
used to talk about this a lot. We don't so
much nowadays because I think we just kind of maybe
figure that. And again figuring is not a good thing, right,
but we figure that. You understand that when you're at
this level, we're coordinating, right, and it's in house, right,
(30:53):
Mike and Dan.
Speaker 4 (30:54):
And I have both how do I put this? Disagreed
with some legal folks on who doesn't need the super
duper trust all the time as not you get to
realize legal profession who is doing a state planning. I'm
not talking about the guy that gets you out of
your speeding ticket, Dan, I'm not talking about the person
(31:15):
who's going to close on your condo. The people who
do this work this niche right, just like medicine, they
are wired to think a one lane road type of doctors.
Why you need health care directive. Their credo is to
keep you alive as long as possible, whether you want
to or not. The legal profession is there to say
(31:38):
there is a possibility in New York State could come
take your money. Let's make everything bulletproof, even if it's
really maybe not necessary.
Speaker 3 (31:46):
No, Mike, and again, guys, that's why we really wanted
to spend this time, this particular segment on this. And please,
like I said, if you're listening and you say, she
just makes a heck of a lot of sense, again,
please let us educate on inciple protection. Let us educate
on to Mike's point, there's no there's no trust lawyers,
(32:06):
there's no none of that. There's no there's nothing other
than a phone call to Michael, myself and or our
team when you pass.
Speaker 4 (32:15):
And quickly dan about taxes, because we haven't mentioned we
do have the twenty twenty five Tax Planning Reference Guide
available as to okay, and when we're talking about trust,
we had mentioned I think segment one, when you're getting
this interest income from these terrible bond funds, that it
could help put you into that penalty box, the net
(32:37):
investment income tax box. Now quickly, I'm I'm single Dan.
So if I have over one hundred and twenty five
thousand dollars in net income modified adjust gross income, I'm
in that three point eight percent penalty. Come but for
trust it's a much lower tho bar. Over fifteen thousand,
(32:58):
six hundred and fifty dollars and that adjusted gross income
and you're already in the penalty.
Speaker 3 (33:03):
Back, Well, guess what you just did, Mike. As we
go to break, guys, Mike added another item to request
www Dot Madison Managers dot com go out there right now. Guys.
We've given you a lot to grab this week again.
Just literally grab it all. Tell let let us know
you want it all. We'll get it all out to
you for free. We'll ship it out shippings free to guys.
Go grab it. Www dot Madison Managers dot com. Use
(33:25):
the t xbox. We'll see right back.
Speaker 2 (33:29):
You are about to experience the planning for prosperity show
A three two here.
Speaker 3 (33:41):
Journey wing her? Is it wing her? A journey? It's Jurney.
Oh you got this on, Michael Brown, We're going tonal good. Yeah,
you're fine. Just when they think you're down on the map,
you rise something. Don't call it a comeback everyone. Michael
Brown has been here for years. The great ones play
hurt absolutely. Daniel Polanski, Michael Brown, Managing director, Michael Brown.
(34:03):
Welcome aboard the cruise ship planning for a prosperity radio
hour cruise ship. Your your skull must be healing though, Michael,
because you're able to do your bufond back.
Speaker 4 (34:11):
Y'all the new guys in hair and makeup did a
good job this morning.
Speaker 3 (34:14):
Wow. Yeah, no, your buffont's back getting there? Yeah yeah, okay,
all right, I'm not I'm not leaking any We don't
feel so sorry for you anymore. But thank you Mary
for sending in your your wishes, your wishes to Michael.
Welcome aboard the cruise ship. Guys. If you guess it's
Valentine's Day theme, you'd be right. If you guess it's
late again, as we love to do, as mister Producer
(34:35):
loves to do on on these airs, you would be
correct as to that too. You know what's funny, there's
only half of every listening. Please scram let me wait
a minute.
Speaker 4 (34:44):
There they're the break. We asked mister producer if he
and his bride are going to go out to dinner,
if they went out to dinner for Valentine's Day, he said, yep, yep.
So was it a preset menu?
Speaker 3 (34:56):
Yep, Priest Foxey praezy fees I said to Valentine's Day
in New Year's Eve, worst nice to go out to
day freezy feazy, honey, breezy feazy, and got stuck with
the preezy feazy.
Speaker 4 (35:10):
So I was actually with my my buddy's dog Finn
on Valentine's Day and you brother watching the puppy for
a couple of days.
Speaker 3 (35:18):
You bring the dog out.
Speaker 4 (35:19):
He was the best Valentine, no grief, indeed.
Speaker 3 (35:22):
Anything, absolutely just handed the little treat piece of pizza
right exactly. So Pepperoni guys are giving you literally based
on my account alone, We've got four reasons and again
we suggest do it right now whilst you're thinking to
head on out to www dot Madison Managers dot com.
It's M A D I S O N M A
(35:44):
N A G E r s dot com. Use the taxbox.
You'll see a bunch of them there. We've given you
the segments this we really wanted to fill in some
details that maybe we don't pound the table enough on
the week. So what we filled in d D two
point zeros okay, available freebies. We we've got pillar two
(36:06):
literature that is, in my opinion, guys, it's a must
have before rates start coming down more so than they have.
It's a must have.
Speaker 4 (36:14):
It's it's been a blessing. We've had it this long.
It's not gonna last much longer.
Speaker 3 (36:19):
Well, Version one left, remember version one you can already
you know sniff.
Speaker 4 (36:22):
Oh, these guys are all prepping together to lower their rates.
Speaker 3 (36:26):
Now, yeah, what we also what we also educated on.
We threw a bone to Michael because we're seeing so much. Guys,
Let's get you educated on pillar four. If you are
in the beneficiary club, if you have a beneficiary IRA
and or your anticipating beneficiar or whatever it happens to be,
let's get you up to speed educated because we see
(36:46):
a lot out in the ports of call, if you will,
we see a lot of blueberry portfolios, guys, and we
just like to show you some better numbers. It's just
that simple, dismal. We just want to show you.
Speaker 4 (36:58):
It bothers me when I see people with this for
ten years and it's cost them hundreds of thousands.
Speaker 3 (37:03):
Absolutely, and now here's the final guys with Michael brought
up at the end. Guys, we've got nationwidees Own. We've
got nationwidees Own twenty twenty five Tax Prep Guide. It's
literally bullet point, it's consumer grade, it's it's why we
love it. That's why we love it. And we have
a fun spot in our heart for Nationwide. Those folks,
they they do a good jobs. Wink wink did and
(37:26):
did a really good job with one of our pillars.
We'll put it out. Why, let's again Nationwide tax Guy.
That's also available if you want all four let us
know if you want dods again, Guys, I think it's
easy to just send me the stuff. We'll send it
in a package to you. It'll be you know, it'll
be paid fully paid for. The mailing is fully paid for.
Speaker 4 (37:46):
Now.
Speaker 3 (37:47):
It's very rare nowadays, Mike, because the more and more
I'm starting to see a lot of these what would
you call her the DVDs? They still make those, I
don't know what they are, but I'm seeing more and
more like order, are you know this tutorial on such
and such options trading or will get you up to
speed on the big gold rush or whatever happens to
(38:08):
be like those types of things. How are they getting
to me? Is it DVD? Is that what it is?
Speaker 4 (38:12):
I don't think it's video. Well, if it is, it's
probably just a video. Fear of tablet, your PC, things
like that which you download, you don't physically put a DVD. Alright,
all right, now I do have to lob out a warning.
Oh no, for those of you that do request the
twenty twenty five tax guide. Yeah, I would suggest two
(38:35):
things be sitting down. One sitting down to have a
glass of wine in your hand, because your blood pressure
is going to go through the roof when you see
what's happening here. The Again, one thing that bothers me
more than anything is that net investment income tax penalty.
But it's going to show you not just your income
tax rates. So if you're single, married, had a household,
(38:58):
estates blah blah blah, what all your deducts are, what
the gift tax exclusions are, what the Social Security taxation is,
how much you can contribute to all your retirement accounts.
And if you're seventy three or older and you're you're
taking your annual required minium distributions. It's got the life
tables as well.
Speaker 3 (39:18):
Guys. Grab it's that simple, guys, Madison managers that come.
I went again, Guys, it's now a solicitation buyseller. Hold.
I just want to provide a little commentary on these markets,
if you don't mind, Michael, because I know you will
probably chime in. Now what we're hearing once again, guys,
now stop me if before we're hearing rumors out there
(39:39):
amongst the talking heads of broadening out stop it, guys. Guys, guys, guys, guys,
we're hearing that the names and whether you want to
call the Mags seven, mag eight, Super five, Super four,
bludup the whatever you want to do, do not disrespect them.
These are these docks period game A that have carried
(40:01):
this market out of the twenty twenty two lows. If
you don't think so, we can send you whatever data
you would like to see. Do whatever you do, do
not disrespect them. Calling for their demise would be foolhardy
and it are, opinion, very premature.
Speaker 4 (40:15):
It's like you're in the coliseum to say, hey, lions,
the Christians are ready.
Speaker 3 (40:18):
Cut, well done. Now Here, here's the point. Here's where
I'm going with this, Mike, because it's been super cool.
It's become super cool because some of these you know,
Super eight, Super seven, Super six, some of them have
for a month decided to cool off a little. Can
you imagine that? Can you imagine that? Now? The best
part of this, guys, is how you and I think
(40:40):
about this, right, because you've been educated on these airs.
You want to see pauses that refresh. You want to
see this. If it goes straight up, it goes straight down. Okay,
make no mistake. Okay, that's a new, little new little
education point finance one on one here, Dan Polanski style.
If it goes straight up, the problem goes straight back down. Okay.
(41:01):
So you want to see these guys, whether you call
it building a base like the technicians, like, whatever you
want to call it, you want to see them slow down.
Now here's the other piece that is highly, highly disingenuous.
When these fools throughout this broadening it out. Now, when
you hear this nonsense, it's gonna be from one of
two camps. The first camp is the camp that completely
missed the growth trade, completely missed it, right, they've been
(41:23):
on the value band, whatever it is. The second, the
second camp is simply put and again this is fine.
It's from the value managers. You'll notice their value fund
managers whatever it happens to me, or they work for
a value fund provider, et cetera, et cetera. And that's fine.
They're talking their book. Some of that's allowed, okay, but
it's gonna be from one of those two camps. Here's
my point. The number one best trading stock in the
(41:46):
world of a certain size is within that MAG seven,
MAGG eight, whatever it is. No arguments, guys. So whether
you want to say five or taking a breather six
or taking a breather, the best trading stock on the
meaning it's behaving the best is a MAG seven name.
(42:06):
So before we call for the demise of the growth trade, right,
let's just be very careful that you don't get sucked
into what's it been called forever mic the old value trap.
Speaker 4 (42:23):
And when we talk about those those growth stocks that
were fans of when we say they take a breather,
maybe they go down five ten percent. That's a normal,
it's normal. But we were at a point in the market,
in my opinion, Dan, where greed from investors had overtaken
any fear, and they started going down. The credit ladder,
(42:43):
the quality ladder, buying these very thinly traded AI stocks,
quantum computing stocks, whatever you might call it, and you
wake up one day and they're down sixty percent?
Speaker 3 (42:53):
Did you get your quantum computer yet? By the way,
I don't even know what they are. Did they figure
out how to cool those things? Yeah?
Speaker 4 (42:58):
It's like an atari, I think. But what I'm saying
here is, if you say I want to be the
AI investor, be it, you still stick with those same
big growth names be It, be It, guys, And then
you put a little protection on your mind.
Speaker 3 (43:13):
Guys, guys, when you can have a stock that rhymes
with hoogle. And again this is not a solicitation by seller.
Hold right, And this stock that rhymes with Hoogle has
an eighty five billion dollar authorized buyback capacity. Yes you
heard that correctly, Okay, And they happen to pay a dividend,
and they happen to trade at a very reasonable valuation, right,
(43:33):
very reasonable relative to competitors history, et cetera, et cetera.
I'm not telling you go out there and buy Hoogle,
But what I'm telling you to do is to Mike's point,
Mike's point, if you want to be this strategy. Guess
what we can do it in a couple of ways.
You can be NDX. You can be Nasdaq one hundred right, Mike,
But guess what? Sure you can be NDX and your
(43:54):
pillar four, Mike, but put some protection underneath it.
Speaker 4 (43:57):
Right about? How about if I want all the growth
stuff in my income streaming pillar two? That's where you
get right there, That's what you do it. You put
your foot on the gas.
Speaker 3 (44:06):
What if I what if I want to own, depending
on the minute, one of the largest hedge funds known
to man, I want to go one hundred percent all
in and I want to put full inoculation against loss
on that portfolio. What if I want to do that?
Speaker 4 (44:19):
Like?
Speaker 3 (44:19):
Can I do that in pillar three? Two point zero?
Speaker 4 (44:21):
Hmmm?
Speaker 3 (44:22):
Yes?
Speaker 4 (44:23):
Guys, Wait and have some tax deferral, guys, have some
death benefit guys, Protection of principle, guys. Transparency.
Speaker 3 (44:30):
It's not a fair fight. Guys. If you guys want
to again, you want to have your hood Robin accounts,
You want to have your whatever accounts, you want to
trade a few show whatever. If you have these pillars
in blaze, do whatever you want.
Speaker 4 (44:46):
Now you're giving yourself permission to do self add it.
Speaker 3 (44:49):
Guys, have at it. You get a hall pass from us.
Have guys have ad it. But please please for you,
your family, your family's fail it. Please, guys, let us
show you a better way. As Mike says, Pillar four, guys,
Pillar four in a beneficiary Ira via a v the
(45:10):
Blueberry portfolio. We can just simply show you the math.
Let us do it, guys. It's a Valentine's Day theme.
We're sorry, we're a little laid on it. Guys. Hit
us off with perfect We gave you four to five
four to five of our pieces of work to go
grab for free. Guys. Please do it right now. We
look forward to it. We love when you guys, grab
as much as you can. It's www dot Madison, m
(45:31):
A D I S O N Managers m A N
A g E r s dot com. Go out there
right now. Just let us know you want it all.
We'll ship it all out free, free free. We'll see
in the office, guys. Great conversations last couple weeks with
you guys in the office too, so we'll see there
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
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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 with the planning for prosperity
show in three two wore.
Speaker 3 (01:15):
Broken wings, mister mister, Oh look look at you right
out of the gates. That's it. I'm gonna talk about you,
Damn Daniel Plants, Michael Brown. You're in a sweater. We're
all in sweaters here, various forms of sweaters.
Speaker 4 (01:31):
No, we live in the Arctic circle.
Speaker 3 (01:33):
Oh you look good. You got like a textured shirt.
Not even my blind eyes can see that.
Speaker 4 (01:37):
I got dressed up for you.
Speaker 3 (01:38):
Wow, you look good.
Speaker 4 (01:40):
My Sunday best.
Speaker 3 (01:40):
Mister producer's got a green tie on.
Speaker 4 (01:43):
Wow, this is about as good as we look.
Speaker 3 (01:46):
Happy week and everyone again, Danny Polansky, Michael Brown, Managing Director,
Michael Brown, Madison Wealth Managers. So proud to be so
welcome aboard the cruise ship. You guys have been absolutely fabulous.
You know, we're pleased and thank you to the core
if you believe nothing else, for whatever reason separates us
from the crowd out there, we are pleased and thank
(02:08):
you and you guys who are on the cruise ship.
You understand that, you guys that listen to the show,
you understand that. So we have to say thank you.
Do O D version two point zeros guys for those
of you who don't know, we are allowed to have opinions.
In our opinion, it is our best estate planning work.
Yet we have it professionally down.
Speaker 4 (02:26):
And we've woven in tax ideas. Absolutely, We've all woven
in some generic investment thoughts based on taxation. What kind
of investment should I hold my IRA versus what kind
of investment should I own with my after tax money?
Speaker 3 (02:44):
And I will go so far. And you guys know
we've said this over and over and over again. There
is no way that this doesn't prove helpful to you
and or no, there is no way, guys, when we
construct these, we do these as though we are the consumer.
We call them consumer grade. We we know how we
like to consume information. We know you're busy, We're we
(03:07):
know we're busy. Right, we want to see bullet points.
We want to see it right in front of our face.
We can upload it right, upload it. The door brands
get to the point absolutely right, and that's what it
is all about. So point, here's the big point. They're free, guys,
They're free, and you've done such a great job. Keep
it coming. I think the best way to do it
(03:27):
is www dot Madisonmanagers dot com. You guys, like when
I spell it, it's www dot m A D I
S O N M A N A G E r
s dot com. When you arrive, when you are transported,
you will use any of the textboxes. Just let us
know how many, and we ship them right out freebies,
free of charge. Let us know. Now here's the other thing,
(03:50):
and I want to go in this direction. First first
verse first first, and I talked to Michael about this
just one second ago. You guys in conversations, because we're
seeing so many of you adopt at least a portion
of your portfolio, within a portion of your portfolio a
pillar two strategy. Right, your you are which is which
(04:11):
is whatever you want to.
Speaker 4 (04:13):
Call it, income for life.
Speaker 3 (04:15):
Absolutely, that's a That's that's all it is, guys. It's
income for life. We can't go down your portfolio within
your portfolio, right, not in a back closet. You have
a portfolio. You want to be growth. You can be growth.
You want to be balanced, you can be balanced. Whatever
it is. Okay, But as Mike said, this is income
for life. Here's what maybe Mike and I little blind
spot here, what maybe we haven't been super clear on. Okay,
(04:38):
let's say hypothetically, hypothetically not a solicitation, a buy seller
hold you guys know this. Let's say with your growth
strategy portfolio that you adopt within pillar two. Right, so
your growth growth Let's say you receive a seven percent
with draw rate guarantee.
Speaker 4 (04:55):
All right, so I put it in a million bucks, I'm
gonna get seventy thousand or per year boom.
Speaker 3 (05:01):
Regardless, right, regardless for it. No, here's the point, guys,
Here's what we haven't made clear. Is that the next
two hundred and fifty thousand that you want to add
is also locked in. You are locked in at that
same seven percent rate. So regardless of what the current
rate is, right, regardless of what the current rate is,
(05:25):
if the current rate is five point eight, five point
five six, whatever it happens today, you are adding at seven.
It is fully stackable. Guys. It is a huge competitive
advantage for you. He's the investor.
Speaker 4 (05:44):
So let's say Dan, I'm I'm the investor. I get
my reservation at the table. Yes for this called seven percent,
which all rate okay in interest rates two months, six
months a year, team, let a case ab go lower.
Speaker 3 (05:58):
That's the key.
Speaker 4 (05:59):
Okay, New people to pillar two don't get the seven
percent anymore.
Speaker 3 (06:05):
It doesn't.
Speaker 4 (06:05):
It doesn't exist to new reservations.
Speaker 3 (06:08):
That's what I want to educate on. You're doing a
great job. I keepilling kick going.
Speaker 4 (06:11):
So now that I'm in the club, could be six
months a year two years from now I retire. Yeah,
I'm gonna roll over my four owe k. I can
put it back in Pillar two at the higher rate
no one else can get.
Speaker 3 (06:24):
You don't have to worry about five point five. In
other words, guys, you don't have to worry about five.
And that is the point. That is the point. We've
got the opportunity right now with a provider, with the
provider who shall go nameless. Many of you have adopted
this provider, you know, Okay, But the point is this, Guys,
their current guaranteed rate right within retirement is a full head,
(06:49):
full ahead and part of a shoulder above where everyone
else is. Okay, I'm willing to hazard a gas that
the rest who have a lower rate right now are
hang aloriate. I don't think they're coming up, Mike.
Speaker 4 (07:02):
Well, I think of it this way, Dan. Let's say
I have every month one dollar in fixed cost to
my life. Mm hmm okay, huh. So if I can
get the seven percent, I don't have to commit as
much capital that what everybody else is going to guess.
Then I have more free moneies.
Speaker 3 (07:21):
Well to do what I want to do. Well, well done. So, guys,
what we're really making the point here is this is
all about flexibility. So if you have let's say, hypothetically
in old high ray that's rotting somewhere, you.
Speaker 4 (07:35):
How many of these have abandoned for one case?
Speaker 3 (07:38):
Dan?
Speaker 4 (07:38):
What are they're orphans?
Speaker 3 (07:39):
You just you nailed at Mike. You have a rotting
for a one case somewhere where no one's looking at it,
including you. You want to be growthy growth. You want
to growth strategy, right, you want a growth manager. You
want a growth growth strategy, and oh, by the why,
maybe you'd like to get in the club. So at
some point in time, when I'm ready to commit a
(08:00):
significant pot of capital to the strategy, I'm able to
add at decades high height.
Speaker 4 (08:07):
Your head start is going to be insane.
Speaker 3 (08:10):
That's the point we're making here, guys. And maybe again,
maybe this was a blind spot, Mike. Maybe we weren't
clear enough, maybe we didn't pound We always do this well,
I think, because again we really give you, guys the
headlines and what we think is most important. Hey, get
on the cruise ship. Let's do this right now. Because
(08:30):
but the fact that so many of you now are
looking to add monies, we're starting to realize that maybe
we didn't make that clear enough over the air, right
It's it's nothing but a win win win, win, win
win win for everybody forever except the investment company for
investment company in And they're not our pals everyone, No,
let's be very clear.
Speaker 4 (08:50):
Wall Street is not your friend. That they're there to
take your money away.
Speaker 3 (08:55):
The guys. And that's when we talk about the pillars.
Right when we talk about the pillars, we are pulling
out for you what we deem to be the best
representative within that pillar. It's not, as to Mike's point,
we have absolutely no predisposition towards any provider, quite literally.
Speaker 4 (09:19):
And that's a big deal, Dan, because there's a lot
of people in our business. They're called captive advisors. They
work for x y Z company. They can only sell
x y Z Company's investments. We don't manufacture investments. We
never will well done well never never. Uh So we
get to compare mathematically everybody that's in the same flavor,
(09:40):
all the manufacturers, all the Pillar two guys, all the
Pillar three, Pillar four, Pillar five, and the tools now
are just incredible. But I know we have to go
to break. But I have to give a big thank
you to Mary. She sent me a lovely card because
of my boombles. May thank you so much your love.
Speaker 3 (10:00):
Thank you a great a great client, and a and
a great spirit aboard the cruise ship and probably the
largest carrier of pom Poms and we love well. You're
not the largest, the pompoms are the largest. Mary is
a very very slight woman. So happy weekend everyone, Dan Polansky,
Michael Brown going to break everyone in the meantime. Www
(10:22):
dot M A d I S O N M A
N A g e rs dot com. Two reasons this
week guys d O D two point oheros. If you
don't have them their freebies, get two copies and then
the second, please, whilst the getting is good, let us
get you some education on pillar to what is our
(10:42):
favorite vehicle right now? Let us get to that education.
So again, guys, let us know www dot Madison Managers
dot com. We'll see you right back.
Speaker 2 (10:53):
You are about to experience the Planning for Prosperity show
a three two cheer.
Speaker 3 (11:05):
This is your hair band. What's his name? Michael Verga.
Speaker 4 (11:16):
I think they were a big fan of the Aquat Hairspring.
Speaker 3 (11:18):
Planning for a Prosperity radio hour. Welcome aboard the cruise ship.
It's Michael Brown's here, managing director, Madison Wealth Managers. I'm
Daniel Plansky. Also of these, Madison Wealth. Also of these
Madison Wealth Managers. Cruise ship is in the port. We
already did a little debrief with respect to Pillar two, right,
(11:41):
and a huge advantage that maybe we haven't pounded the
table on. We've already discussed do O D two point zero.
They're waiting for you, guys, they're freebies. I say, grab
two at least and you have all again. Big thank
you from us here at Madison. You've done such a
great job late moving these on to the next generation,
(12:02):
to the kids. The beneficiary club, whatever it happens to be.
And as we said in the first segment, guys, there's
no reason not to request a copy because again it's free,
it's shipped for free, it will last a lifetime, quite literally,
even if you put in the microwave each night. And
and we all but guarantee that you will find at
(12:24):
least something helpful within this particular bound vehicle.
Speaker 4 (12:28):
And dad, as for the year ears now, we've probably
since COVID, we spent a lot of time on a
state planning because I think a lot of people were
reflecting on their own mortality. What this is going to
do is give whoever the poor person is that you
name as executor, executrix, trustee, power of attorney, healthcare director,
(12:50):
whatever may be, give them some ammunition to fight the
fight against government. That's what it is well done, all right,
because again I said in the first segment elsereet's not
our friend. We all know the government's not our friend.
So if they the government has a chance to steal
a dollar from you, they're going to. If the court
system has a chance, they will, If the legal system
(13:11):
has a chance, they will. So you're going to give
some ammunition to whoever has that enormous responsibility and liability.
Yeah right, so think don't think of it as I
need to learn all this stuff. I'm gonna be gone
and I'm dead. Whoever has to step in my shoes
and make these financial decisions, they need the information.
Speaker 3 (13:31):
Very very very well done.
Speaker 4 (13:33):
And everyone right now is getting in the mail a
lot of bad news. Right they're ten ninety nine's their
their tax statements, realizing, oh my.
Speaker 3 (13:43):
This is something else we don't put all that often.
Speaker 4 (13:46):
And we've talked about a little bit. And I got
a great phone call this week saying, I don't know
how you guys knew it, but I have the Blueberry
portfolio and I owe a tremendous amount of taxes. And
these bond funds never made a nickel we've got. Yeah, yeah,
lots of guys. This is a fallacy that these bond
funds are going to save you money somehow. They're not.
(14:07):
They're terribly tax inefficient. They don't make any money.
Speaker 3 (14:12):
We sat down with a gentleman who you are a
cruise ship member, and you might even be listening right now.
You know who you are. You sat down and you
went in, you sat down with us and your biggest
I don't want to say concern, but the biggest area
on your mind was that within your portfolio had no
(14:34):
bond exposure, no bond exposure, and a little bit older, right,
getting on you know, getting on in years, okay. And
the point was this is that immediately, Mike, remember when
we spent all that time on these airs, we talked
about Pillar two point zero again income stream for life
with you're all stream for life, personal pension whatever you
guys want to call it, right, and we talked about
(14:56):
it as why not utilize this as a bond substitute? Right? Well?
Speaker 4 (15:01):
Absolutely, but at the same time you're gonna get more
cash flow than you can from a BONDFID what else?
You got a lot more and potential for your money
to grow.
Speaker 3 (15:11):
And also, Mike, what else if you don't want to take.
Speaker 4 (15:14):
Your benefit right, the amount you're going to get in
the future, Uh huh A CRU's higher, just like Social Security.
Speaker 3 (15:21):
But do you get a ten ninety nine in the
mail mic and not hold it off?
Speaker 4 (15:24):
Not until you choose to?
Speaker 3 (15:25):
Huh uh huh. So what you've done, what you've done, sir,
is now you've understood that we can always add dollars, right,
we can always add new dollars at those rates, right,
at those rates in retirement that simply put, hadn't been
around for twenty years. Guys, it's not an exaggeration twenty
(15:49):
year highs. And think about this. You're continuing to add
at those rates. And guess what else you're adding to.
Rather than adding to your bond fund, you're adding to
gross stock exposure.
Speaker 4 (16:00):
Now, think about that. It's not a fair fight, Pillar
two versus bond funds. It's not a fair fight. It's
a heavyweight versus the lightweight. In these bond funds. Every
penny that they pay to you is going to be
taxed as ordinary income. You might even get some short
term capital gains, some long term capital gains.
Speaker 3 (16:18):
And that's just because Mike, why is that, No, no
one in their right mind is really selling bonds. He's
portfolio manager selling bonds right now. They're simplate, but they're not.
What they are doing, though, is because your neighbor. Your
neighbor got a little queasy and got a little sick
of it. What they did is they hit the sell button.
So your portfolio manager, who has nothing to do with this,
we don't blame We're not blaming the portfolio managers for this.
Speaker 4 (16:40):
Their hands are tied.
Speaker 3 (16:41):
I have it.
Speaker 4 (16:42):
They're not the dummies in the room. It's just they're
fighting a fight that can't be won.
Speaker 3 (16:48):
It can't be one now.
Speaker 4 (16:50):
And on top of all that, you're gonna have your
ordinary income tax short term capital gains are taxes, ordinary
income long term gains, depending on your tax bracket. But
whatever one is forgetting is that income. That interest is
also being tacked on to all your other income, so
your adjusted gross income sensitivity is going up. At the
(17:12):
same time, that income could potentially put you in that
three point eight percent net investment income tax penalty box.
So I'm paying ordinary income, it could possibly raise me
into another tax bracket, and then I'm gonna get the penalty.
What are we doing here? All right, folks, there's just
a better mouse trap.
Speaker 3 (17:31):
It's it's not it's it's not even it's not even
a fair fight. I'm gonna give you something to Mike,
and again, guys, not to jump around, but I'm gonna
give Mike a little fair shot here at his favorite pillar,
pillar four. Okay, because a lot of you, a lot
of you, right, death happens you inherent assets. You have
beneficiary iras. Okay, Sometimes some of the pillars are not
(17:57):
terribly conducive to beneficiary irays. Quite simply put, some carriers
don't deal in that, and they don't want the hassen
correct mind it's extra work. However, here is what I've
seen lately out on the Prowl. When we go out
on the Prowl and the cruise ship lets off and
we go onto the port of call your day excursion,
(18:18):
the day excursion, here's what we're seeing a lot of
We're seeing a lot of beneficiary irays in Michael Watt
the Blueberry portfolio. Quite literally, you intentionally, and this is
done intentionally. You have no idea what you own, and
nork nor could you? Okay, nor nor could you. The
point is this, there's a solution that's really really simple. Okay,
(18:40):
where I can be Index boy, I can be Index girl, right,
I can be nas dak.
Speaker 4 (18:49):
You're not using the correct pronouns. I I'm sorry.
Speaker 3 (18:53):
Take that back. Yeah, I can be nas Dak boy. Okay,
if I so choose, I can be sm P boy
and can be ut the combo. Yeah, if I want
to be fifty to fifty combo, Mike. Now here's the point, guys,
Not only that, not only that, guess what I do.
I can define my downside. Guess you heard that, right,
I can define my downside. And this is all within
(19:17):
a beneficiary, IRA. We do all the workie work for you.
We get you your rm ds, right, we get your
arm ds should you choose to take them. Now if
you're someone who has to take them manually, whatever it
happens to be, we do all of that for you.
And guess what you get to do. You get to
feel confident that if the index rules, you are the
(19:40):
lion or the lion ass right, Michael. And if the
index does a little poo poo, guess what, Mike, somebody's
there to clean it up.
Speaker 4 (19:48):
That I'm gonna get my principal back. They're paying me back.
Speaker 3 (19:51):
Somebody's somebody is there to clean up.
Speaker 4 (19:53):
And there, as you mentioned earlier, Dan, there aren't a
lot of investment companies that like to play in this.
Speaker 3 (20:00):
That's okay. And that's why, guys, that's why you'll notice
a lot of your beneficiary, IRA is guess where they
go right into blueberry? Blueberry, because you know why, it's easy.
You heard Michael and I totally unrehearsed, just say that
at exactly the same point.
Speaker 4 (20:15):
And don you know, it's not easy for what's that
the actual account owner, because they're they're they're getting the shaft.
Speaker 3 (20:21):
Absolutely well, it's it's it's it's not just that, it's
it's again, it's chances are pretty good it will be
middling to poor performance, right, middling to poor, right, how
can it not be? It will be feed feed nicely, Okay,
feed nicely. You'll be able to play that super duper
game where you get to sell two of your favorite
funds each and every year, whether you want to or not.
(20:42):
You'll be and again, guys, you'll be, let's say, you'll
be maybe a little like white Lie, maybe a little
fib to like, oh we got some better performance. Has
nothing to do with that, Guys.
Speaker 4 (20:50):
I'm gonna go from the intermediate grade bond fund to
the short term bond fund you've got within your portfolio
because the advice your investment house requires velocity, meanware's asset
movement in your account.
Speaker 3 (21:06):
Meanwhile, meanwhile, meanwhile, here at the ranch, right here on
the cruise ship, you can be in whatever your favorite
index is. You can switch through. You can work with
Mike and myself our team, picking your favorite indices year
by year, whatever you choose. Right, and guess what, we've
got your downside covered. Right, we've got your downside covered.
(21:27):
We've got you play into the upside. Right, we got
you play into the upside. Oh by the way, we
handle your arm ds and we do it all for you, guys.
We can't make it any easier. We got to keep
talking about that with beneficiar iras. Guys again, if this
sounds good, let us educate www dot m A dso
N Managers dot com. Use the textbox again, guys, Order
(21:49):
of importance this week DD two point zeros they're free.
Let us know. Use that textbox again. Pillar two, let
us educate please whilst we still have these I'll call
them artificially high rates. Let us educate. And now Pillar four, guys,
beneficiary I RaSE, we have to have to educate. There,
it's all there, it's all free. Use the textbox. Madison
(22:10):
Managers dot Com will be right back.
Speaker 2 (22:14):
You are about to experience the Planning for Prosperity show
in three two.
Speaker 3 (22:26):
Oh my, what I want to know a lot foreigner?
Look at you?
Speaker 1 (22:33):
Good at this.
Speaker 4 (22:34):
Look at you go today.
Speaker 3 (22:35):
Look at that happy weekend, everyone planning for Prosperity Radio
hours to producer, you're doing something real nice today, real slight,
isn't there chuckling? He's got Oh he can actually think
clearly now he's gotten some nutrients into his body after
after he went on the starvation diet for months and
yeah yeah, and he was like, you're looking at him
not yeas he can now think. Look at it.
Speaker 4 (22:58):
I love it.
Speaker 3 (22:58):
It's like the nutrients are passing you through the blood
braid barrier. Now. It's amazing how that works, isn't it?
Speaker 5 (23:05):
After six months of fascinating You're Prosperity Radio guys, Danny
place you like, proud, so proud to be your Madison
Wealth Managers guys again www dot Madison Managers dot com.
Speaker 3 (23:17):
I'm gonna spell it out to www dot m A
d I S O N M A N A G
E r s dot com. And we're really building today
because we want you to use a textbox when you're
out there. I think the best time to go is
literally right now, whilst we're all thinking about it, you know,
to head out on your little you know phone thingy
tablet thingy, whatever it happens to be. And again, let
(23:38):
us know in order of importance, and no, listen, let
me let me take that back. I will say this.
If you don't have any of our work yet, d
O D two plan Oh, okay, d O D two
plan oh, request two copies. Keep it that that simple
Pillar two. The time is now okay, guys, the time
is now walt interest rates or shall we call them
(23:59):
artificially right, artificially high? Let's take advantage because as we
went through in section one in our first segment today,
we went through we can always add once you're in
the club at two days rates, even if tomorrow's rates
for the same investment are significantly lower, that gives you
us what we call a sustainable competitive advantage. Vis A v.
(24:22):
Your neighbor, right, VISA for your neighbor.
Speaker 4 (24:24):
VISA VI your tax table, VISA V inflation, keep going
for V possible bad market conditions for.
Speaker 3 (24:31):
You and your family. Right, and then, last, but not least, guys, again,
let us educate on pillar four because we're seeing a
ton of blueberry portfolios out there that are inherited beneficiary iras,
and pillar four might just let's put it this way
might sweat your appetite a little bit.
Speaker 4 (24:51):
Well, just look at the numbers.
Speaker 3 (24:52):
That's right. Let's just leave it at that. Let us
educate again. Use use the textbox www dot Madison manager
dot com. If you want all of the above, say
send me all of the above now, Michael, Yes, sir,
another blind spot right, We have many many blind spots.
And you guys, you guys pointed out. Listen, you guys
do great job. I mean you educate us as much
(25:13):
as we educate you. And that that's what that's what
we like. Here's the thing, the super duper trust. Okay,
oh boy, we sit down with so many people. Whether
you've gone to a these seminars, Mike, win's a hard
we gotta do a seminar when when they've gone. You've
gone to these seminars. We know you don't want We
know everyone on the creature you don't want to go
(25:34):
to a seminar, but they can I don't know. Here
here's the point. Can we have some good food, well
we would have good food, but I can't imagine anything
whatever you want, like, are we.
Speaker 4 (25:44):
Going to hold it on a deck?
Speaker 3 (25:45):
That is a deficit with Isaac making drinks absolutely Okay,
that is a definitive. Now here's the point. Whether it's
a seminar, whether you've listened to something on like infomercially
on the TV, on the radio, whatever it happens to be. Guys,
the super Duper Trust is for sale. We understand that. Okay.
And again we don't listen. If there's value, the price
(26:06):
is irrelevant. If there actually is value, okay, we don't.
We don't get into oh, you paid too much, it
didn't pay enough, blah blah blah blah blah. If there's value,
you can justify just about any price. Okay. If there's
no value, you can't justify any price. So, yes, the
point is this here. This has nothing to do with price.
This has to do how to help your family. Okay,
let's use this example, guys. And again we have to
say this not a solicitation to buy seller hold. Okay,
(26:29):
I have my super trust drawn up. I own Growth
Fund of Mississippi. Okay, I stick Growth Fund of Mississippi
in my super Duper Trust, just as I'm told to do. However,
I am naked, Okay, I mean not realize I'm naked. Okay,
my neighbor doesn't have super duper trust. Right, doesn't have
(26:52):
super duper trust has Growth Fund of Mississippi, same fund, guys,
you're hearing this properly, same fund. Yet they can to Madison.
They came to Madison, and they are in pillar three
two point oh Pillar three two point zero. Where again
you have two things, full inoculation against loss. Right when
held a term right, full of not you heard that correctly,
(27:13):
cannot lose a nickel, okay. And the other thing is
when twenty twenty two happens, right, which it will inevitably
happen again, right, it's not effens. When when twenty percent,
twenty percent of the SMP disappears, Okay, that's at the
end of the year, by the way, that's not mid year.
That's at the end of the year. And thirty percent
(27:33):
of the Nasdaq one hundred disappears, okay, And again that's
not middle of the year when it was worse. That's
at the end of the year when that happens, and
you just happen to pass away, right, you happen to
pass away you that was your time, right, that was
your time. You who have the super duper Trust Growth
Fund of Mississippi. Right, your heirs let's combine the two
(27:54):
and say they now have twenty five percent less dollars
right to distribute to them, but they have the super
duper trust. Not gonna help them. There. Here's the point.
Your neighbor who had Pillar three version two point zero,
same exact circumstance, passes away same day, right, same day,
portfolio is down twenty five percent. No super duper trust.
(28:18):
But but but but beneficiaries get all off your initial
million dollars back. They don't get seven to fifty, they
get a million dollars.
Speaker 4 (28:29):
And there's no probate. There's no probate court. There's no questioning.
If someone didn't like the will, they felt like they
were cheated, do.
Speaker 3 (28:39):
You know who they talked to. They took to Mike, right,
They took to Mike for two many and.
Speaker 4 (28:43):
The money goes out to the kiddos, to whoever. The
beneficiaries are chop chop.
Speaker 3 (28:47):
Right, And maybe they'd also like some advice so they
can talk to Mike two. So the point, the point
is this, guys, there's no comparison. Quite literally, this is
what we call true estate planning. Nothing wrong with the trust.
We're not knocking the trust, but please under no circumstance
equate having the super duper trust to principal protection. Don't
(29:09):
equate that, because we're hearing a lot of that, Mike,
We're hearing a lot of that, and I don't know
if it's a misunderstanding. I don't know what's going on
with respect to educating on that side. But guys, it's not.
There is no Guys, there's no principal protection unless you
utilize what we call the pillars, right, unless you utilize
(29:30):
four to the five pillars that we speak about, there
is no principal protection. Guys. It's that simple.
Speaker 4 (29:35):
And at the same time, dan certain trust get absolutely
shaken down from a tax perspective, right, these irrevocable trusts,
and people don't can't grasp this. Those types of trust
have certain benefits we understand when they are applicable, but
if you're retaining income and dividends in these things, you
(29:58):
get taxed at an absolutely insane rate versus personal taxation
or a revocable trust. So if you don't really know
what type of trust you are working with and are
starting to question the taxation within it, we'll just have
our legal guys take a look.
Speaker 3 (30:18):
As well done, well well, well, well well done.
Speaker 4 (30:21):
I mean Dan and I are not attorneys we play
them on television or not attorneys. But that's why we
have attorneys here exactly, and then we are in concert
with them to.
Speaker 3 (30:30):
Ask the right question. Well, that's Mike and there and
that that piece right there is very well said, and
it's the coordination. We used to talk about this. We
used to talk about this a lot. We don't so
much nowadays because I think we just kind of maybe
figure that. And again figuring is not a good thing, right,
but we figure that. You understand that when you're at
this level, we're coordinating, right, and it's in house, right,
(30:53):
Mike and Dan.
Speaker 4 (30:54):
And I have both how do I put this? Disagreed
with some legal folks on who doesn't need the super
duper trust all the time as not you get to
realize legal profession who is doing a state planning. I'm
not talking about the guy that gets you out of
your speeding ticket, Dan, I'm not talking about the person
(31:15):
who's going to close on your condo. The people who
do this work this niche right, just like medicine, they
are wired to think a one lane road type of doctors.
Why you need health care directive. Their credo is to
keep you alive as long as possible, whether you want
to or not. The legal profession is there to say
(31:38):
there is a possibility in New York State could come
take your money. Let's make everything bulletproof, even if it's
really maybe not necessary.
Speaker 3 (31:46):
No, Mike, and again, guys, that's why we really wanted
to spend this time, this particular segment on this. And please,
like I said, if you're listening and you say, she
just makes a heck of a lot of sense, again,
please let us educate on inciple protection. Let us educate
on to Mike's point, there's no there's no trust lawyers,
(32:06):
there's no none of that. There's no there's nothing other
than a phone call to Michael, myself and or our
team when you pass.
Speaker 4 (32:15):
And quickly dan about taxes, because we haven't mentioned we
do have the twenty twenty five Tax Planning Reference Guide
available as to okay, and when we're talking about trust,
we had mentioned I think segment one, when you're getting
this interest income from these terrible bond funds, that it
could help put you into that penalty box, the net
(32:37):
investment income tax box. Now quickly, I'm I'm single Dan.
So if I have over one hundred and twenty five
thousand dollars in net income modified adjust gross income, I'm
in that three point eight percent penalty. Come but for
trust it's a much lower tho bar. Over fifteen thousand,
(32:58):
six hundred and fifty dollars and that adjusted gross income
and you're already in the penalty.
Speaker 3 (33:03):
Back, Well, guess what you just did, Mike. As we
go to break, guys, Mike added another item to request
www Dot Madison Managers dot com go out there right now. Guys.
We've given you a lot to grab this week again.
Just literally grab it all. Tell let let us know
you want it all. We'll get it all out to
you for free. We'll ship it out shippings free to guys.
Go grab it. Www dot Madison Managers dot com. Use
(33:25):
the t xbox. We'll see right back.
Speaker 2 (33:29):
You are about to experience the planning for prosperity show
A three two here.
Speaker 3 (33:41):
Journey wing her? Is it wing her? A journey? It's Jurney.
Oh you got this on, Michael Brown, We're going tonal good. Yeah,
you're fine. Just when they think you're down on the map,
you rise something. Don't call it a comeback everyone. Michael
Brown has been here for years. The great ones play
hurt absolutely. Daniel Polanski, Michael Brown, Managing director, Michael Brown.
(34:03):
Welcome aboard the cruise ship planning for a prosperity radio
hour cruise ship. Your your skull must be healing though, Michael,
because you're able to do your bufond back.
Speaker 4 (34:11):
Y'all the new guys in hair and makeup did a
good job this morning.
Speaker 3 (34:14):
Wow. Yeah, no, your buffont's back getting there? Yeah yeah, okay,
all right, I'm not I'm not leaking any We don't
feel so sorry for you anymore. But thank you Mary
for sending in your your wishes, your wishes to Michael.
Welcome aboard the cruise ship. Guys. If you guess it's
Valentine's Day theme, you'd be right. If you guess it's
late again, as we love to do, as mister Producer
(34:35):
loves to do on on these airs, you would be
correct as to that too. You know what's funny, there's
only half of every listening. Please scram let me wait
a minute.
Speaker 4 (34:44):
There they're the break. We asked mister producer if he
and his bride are going to go out to dinner,
if they went out to dinner for Valentine's Day, he said, yep, yep.
So was it a preset menu?
Speaker 3 (34:56):
Yep, Priest Foxey praezy fees I said to Valentine's Day
in New Year's Eve, worst nice to go out to
day freezy feazy, honey, breezy feazy, and got stuck with
the preezy feazy.
Speaker 4 (35:10):
So I was actually with my my buddy's dog Finn
on Valentine's Day and you brother watching the puppy for
a couple of days.
Speaker 3 (35:18):
You bring the dog out.
Speaker 4 (35:19):
He was the best Valentine, no grief, indeed.
Speaker 3 (35:22):
Anything, absolutely just handed the little treat piece of pizza
right exactly. So Pepperoni guys are giving you literally based
on my account alone, We've got four reasons and again
we suggest do it right now whilst you're thinking to
head on out to www dot Madison Managers dot com.
It's M A D I S O N M A
(35:44):
N A G E r s dot com. Use the taxbox.
You'll see a bunch of them there. We've given you
the segments this we really wanted to fill in some
details that maybe we don't pound the table enough on
the week. So what we filled in d D two
point zeros okay, available freebies. We we've got pillar two
(36:06):
literature that is, in my opinion, guys, it's a must
have before rates start coming down more so than they have.
It's a must have.
Speaker 4 (36:14):
It's it's been a blessing. We've had it this long.
It's not gonna last much longer.
Speaker 3 (36:19):
Well, Version one left, remember version one you can already
you know sniff.
Speaker 4 (36:22):
Oh, these guys are all prepping together to lower their rates.
Speaker 3 (36:26):
Now, yeah, what we also what we also educated on.
We threw a bone to Michael because we're seeing so much. Guys,
Let's get you educated on pillar four. If you are
in the beneficiary club, if you have a beneficiary IRA
and or your anticipating beneficiar or whatever it happens to be,
let's get you up to speed educated because we see
(36:46):
a lot out in the ports of call, if you will,
we see a lot of blueberry portfolios, guys, and we
just like to show you some better numbers. It's just
that simple, dismal. We just want to show you.
Speaker 4 (36:58):
It bothers me when I see people with this for
ten years and it's cost them hundreds of thousands.
Speaker 3 (37:03):
Absolutely, and now here's the final guys with Michael brought
up at the end. Guys, we've got nationwidees Own. We've
got nationwidees Own twenty twenty five Tax Prep Guide. It's
literally bullet point, it's consumer grade, it's it's why we
love it. That's why we love it. And we have
a fun spot in our heart for Nationwide. Those folks,
they they do a good jobs. Wink wink did and
(37:26):
did a really good job with one of our pillars.
We'll put it out. Why, let's again Nationwide tax Guy.
That's also available if you want all four let us
know if you want dods again, Guys, I think it's
easy to just send me the stuff. We'll send it
in a package to you. It'll be you know, it'll
be paid fully paid for. The mailing is fully paid for.
Speaker 4 (37:46):
Now.
Speaker 3 (37:47):
It's very rare nowadays, Mike, because the more and more
I'm starting to see a lot of these what would
you call her the DVDs? They still make those, I
don't know what they are, but I'm seeing more and
more like order, are you know this tutorial on such
and such options trading or will get you up to
speed on the big gold rush or whatever happens to
(38:08):
be like those types of things. How are they getting
to me? Is it DVD? Is that what it is?
Speaker 4 (38:12):
I don't think it's video. Well, if it is, it's
probably just a video. Fear of tablet, your PC, things
like that which you download, you don't physically put a DVD. Alright,
all right, now I do have to lob out a warning.
Oh no, for those of you that do request the
twenty twenty five tax guide. Yeah, I would suggest two
(38:35):
things be sitting down. One sitting down to have a
glass of wine in your hand, because your blood pressure
is going to go through the roof when you see
what's happening here. The Again, one thing that bothers me
more than anything is that net investment income tax penalty.
But it's going to show you not just your income
tax rates. So if you're single, married, had a household,
(38:58):
estates blah blah blah, what all your deducts are, what
the gift tax exclusions are, what the Social Security taxation is,
how much you can contribute to all your retirement accounts.
And if you're seventy three or older and you're you're
taking your annual required minium distributions. It's got the life
tables as well.
Speaker 3 (39:18):
Guys. Grab it's that simple, guys, Madison managers that come.
I went again, Guys, it's now a solicitation buyseller. Hold.
I just want to provide a little commentary on these markets,
if you don't mind, Michael, because I know you will
probably chime in. Now what we're hearing once again, guys,
now stop me if before we're hearing rumors out there
(39:39):
amongst the talking heads of broadening out stop it, guys. Guys, guys, guys, guys,
we're hearing that the names and whether you want to
call the Mags seven, mag eight, Super five, Super four,
bludup the whatever you want to do, do not disrespect them.
These are these docks period game A that have carried
(40:01):
this market out of the twenty twenty two lows. If
you don't think so, we can send you whatever data
you would like to see. Do whatever you do, do
not disrespect them. Calling for their demise would be foolhardy
and it are, opinion, very premature.
Speaker 4 (40:15):
It's like you're in the coliseum to say, hey, lions,
the Christians are ready.
Speaker 3 (40:18):
Cut, well done. Now Here, here's the point. Here's where
I'm going with this, Mike, because it's been super cool.
It's become super cool because some of these you know,
Super eight, Super seven, Super six, some of them have
for a month decided to cool off a little. Can
you imagine that? Can you imagine that? Now? The best
part of this, guys, is how you and I think
(40:40):
about this, right, because you've been educated on these airs.
You want to see pauses that refresh. You want to
see this. If it goes straight up, it goes straight down. Okay,
make no mistake. Okay, that's a new, little new little
education point finance one on one here, Dan Polanski style.
If it goes straight up, the problem goes straight back down. Okay.
(41:01):
So you want to see these guys, whether you call
it building a base like the technicians, like, whatever you
want to call it, you want to see them slow down.
Now here's the other piece that is highly, highly disingenuous.
When these fools throughout this broadening it out. Now, when
you hear this nonsense, it's gonna be from one of
two camps. The first camp is the camp that completely
missed the growth trade, completely missed it, right, they've been
(41:23):
on the value band, whatever it is. The second, the
second camp is simply put and again this is fine.
It's from the value managers. You'll notice their value fund
managers whatever it happens to me, or they work for
a value fund provider, et cetera, et cetera. And that's fine.
They're talking their book. Some of that's allowed, okay, but
it's gonna be from one of those two camps. Here's
my point. The number one best trading stock in the
(41:46):
world of a certain size is within that MAG seven,
MAGG eight, whatever it is. No arguments, guys. So whether
you want to say five or taking a breather six
or taking a breather, the best trading stock on the
meaning it's behaving the best is a MAG seven name.
(42:06):
So before we call for the demise of the growth trade, right,
let's just be very careful that you don't get sucked
into what's it been called forever mic the old value trap.
Speaker 4 (42:23):
And when we talk about those those growth stocks that
were fans of when we say they take a breather,
maybe they go down five ten percent. That's a normal,
it's normal. But we were at a point in the market,
in my opinion, Dan, where greed from investors had overtaken
any fear, and they started going down. The credit ladder,
(42:43):
the quality ladder, buying these very thinly traded AI stocks,
quantum computing stocks, whatever you might call it, and you
wake up one day and they're down sixty percent?
Speaker 3 (42:53):
Did you get your quantum computer yet? By the way,
I don't even know what they are. Did they figure
out how to cool those things? Yeah?
Speaker 4 (42:58):
It's like an atari, I think. But what I'm saying
here is, if you say I want to be the
AI investor, be it, you still stick with those same
big growth names be It, be It, guys, And then
you put a little protection on your mind.
Speaker 3 (43:13):
Guys, guys, when you can have a stock that rhymes
with hoogle. And again this is not a solicitation by seller.
Hold right, And this stock that rhymes with Hoogle has
an eighty five billion dollar authorized buyback capacity. Yes you
heard that correctly, Okay, And they happen to pay a dividend,
and they happen to trade at a very reasonable valuation, right,
(43:33):
very reasonable relative to competitors history, et cetera, et cetera.
I'm not telling you go out there and buy Hoogle,
But what I'm telling you to do is to Mike's point,
Mike's point, if you want to be this strategy. Guess
what we can do it in a couple of ways.
You can be NDX. You can be Nasdaq one hundred right, Mike,
But guess what? Sure you can be NDX and your
(43:54):
pillar four, Mike, but put some protection underneath it.
Speaker 4 (43:57):
Right about? How about if I want all the growth
stuff in my income streaming pillar two? That's where you
get right there, That's what you do it. You put
your foot on the gas.
Speaker 3 (44:06):
What if I what if I want to own, depending
on the minute, one of the largest hedge funds known
to man, I want to go one hundred percent all
in and I want to put full inoculation against loss
on that portfolio. What if I want to do that?
Speaker 4 (44:19):
Like?
Speaker 3 (44:19):
Can I do that in pillar three? Two point zero?
Speaker 4 (44:21):
Hmmm?
Speaker 3 (44:22):
Yes?
Speaker 4 (44:23):
Guys, Wait and have some tax deferral, guys, have some
death benefit guys, Protection of principle, guys. Transparency.
Speaker 3 (44:30):
It's not a fair fight. Guys. If you guys want
to again, you want to have your hood Robin accounts,
You want to have your whatever accounts, you want to
trade a few show whatever. If you have these pillars
in blaze, do whatever you want.
Speaker 4 (44:46):
Now you're giving yourself permission to do self add it.
Speaker 3 (44:49):
Guys, have at it. You get a hall pass from us.
Have guys have ad it. But please please for you,
your family, your family's fail it. Please, guys, let us
show you a better way. As Mike says, Pillar four, guys,
Pillar four in a beneficiary Ira via a v the
(45:10):
Blueberry portfolio. We can just simply show you the math.
Let us do it, guys. It's a Valentine's Day theme.
We're sorry, we're a little laid on it. Guys. Hit
us off with perfect We gave you four to five
four to five of our pieces of work to go
grab for free. Guys. Please do it right now. We
look forward to it. We love when you guys, grab
as much as you can. It's www dot Madison, m
(45:31):
A D I S O N Managers m A N
A g E r s dot com. Go out there
right now. Just let us know you want it all.
We'll ship it all out free, free free. We'll see
in the office, guys. Great conversations last couple weeks with
you guys in the office too, so we'll see there
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