Episode Transcript
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Speaker 1 (00:00):
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(00:21):
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(00:44):
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Speaker 2 (01:03):
You are about to experience the planning for prosperity. Shows
three two.
Speaker 3 (01:18):
Happy weekend everyone, Daniel plans King Managing director Michael Brown.
Oh do we have a story this week?
Speaker 4 (01:27):
And run.
Speaker 3 (01:30):
Very ex mister producer, Captain Steuben, Captain stubing, Oh my gosh,
Happy weekend everyone that just cheered me up. Guys. I'm
trying to keep my voice down a little bit, as guys.
Let me make this very clear. There are shows, and
(01:55):
they are hosts. Then there is this show, and then
there are the hosts. And when we say respect our repetitions,
if for no other reason to place a call, respect
that we are here, rain, sleet, shine, and now literally
(02:16):
we can add gurney to this. Michael Brown had a
little whoopsie in the show. We call it the inclement
or gorgeous northeastern weather that we have here. And the
picture that he showed me of his wound, the picture,
the fresh picture was actually more pleasant than what it
(02:39):
looks like now. This looks like the top crimes had
it literally looks like he fought with Freddy Krueger and
actually fought him off, like quite literally fought him off
and escaped and ran into the forest. It's like something truly,
it's out of a movie. And you can tell that
Michaels he's moving well, there's definitive soft tissue damage. Whilst
(03:02):
I'm certainly not a doctor, I can diagnose what this is.
It's not looking good. He should be embrace right now,
at minimum embrace And again, guys, all kidding aside, respect
the repetitions if for no other reason. Guys, we work
for it, we work for it, we earn it whatever
that old commercial was that you know, listen, we work
(03:24):
for we work for you. You guys who are already on
the cruise ship. You understand it. So again I'm gonna
put out a big thank you to all of you guys.
You guys are lighting up the internet the www dot
Madisonmanagers dot com. So 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.
(03:47):
And you guys use the textbox when you're there. There's
multiple and you guys have been requesting do D version
two point zeros like it's no tomorrow, and we absolutely
love that, because that is what it is all about.
Guys and you, as we talked about last week, you've
taken it next level and this is what we need.
(04:08):
This is what we really want. Not only do you
have the d DS in your collection, but now kids, friends, others. Right,
that's who you're passing them along to. And that's really whoever.
Speaker 5 (04:21):
You're going to burden with being executor. Listen, healthcare Proxytney trustee.
You have to give him. You have to arm them
so they know what they're walking into.
Speaker 3 (04:34):
Mike, how about the local how about the local communita
what would you call it? Convenience store rep that I
see there? You know, I stop and get asoda whatever
on the way to work, you know, on the weekend.
How about how about we got him a D day.
We got him a deal day. It's help, it's help.
It's a simple.
Speaker 5 (04:50):
Everybody, every executor might Trustee. I'm lucky it is my
brother Steve, who works in his business. Yeah, he's reading. Well,
the point Mike, if you count, because if I slip
and fall again, I might not make it back.
Speaker 3 (05:03):
Let's put it this way. If you don't find value
in two pieces and two pieces alone, the estate planning timeline, right,
which is essentially a how to write how to execute
an estate on your own, and it's also how to
hand it out to the members of the Beneficiary club.
This is what we're doing, so relax, okay. And or
(05:24):
what to do when a loved one dies, which is
the other white paper. If you don't find value in that,
I'm just sorry. I'm sorry. That's not us, that's not
on us. That that's on you, okay.
Speaker 5 (05:36):
And the problemo is that the bad guys who steal
identities and then steal moneys and accounts and all that,
they're getting better and better by the day. So you
have to at least have a little ammunition to protect
against that.
Speaker 3 (05:52):
Mike, I'm going to give you something too, And this
is a big thank you to you guys, because we
have had so many conversations in the last couple of
weeks alone. And I think this is because the change
in the year, people start to think about retirement. Right.
You start to think, okay, new year, I'm thinking about
this a couple of years out, maybe this year, maybe
five years out. Whatever it happens to me. But you, guys,
(06:14):
have been requesting literature. You've been requesting appointments, right, You've
been requesting phone appointments regarding regarding my favorite pillar, which
is pillar two, which is whatever you want to call it,
your own personal pension guaranteed, what you're all for life,
whatever you want to call it, your own social security
wouldever you want to look at it as guys, And
(06:38):
now's the time. I mean, it's really simple. We already
saw one very highly highly Should we call it payant?
Is that a word? I know? Should we call it?
Let's call it this way for this particular cycle, from
what we've seen in terms of maximum age sixty five payout,
(06:59):
it's gone. It's gone in this state. It's going. It's going,
already gone to New York state. Okay, there is a
next man up or next woman up. That's awfully close. Okay,
point being is everything else below that, everything else below
that is It's okay, be fine, but it's not what
we're talking about.
Speaker 5 (07:18):
Okay, it is what it is. It is what it is,
right right, and is interest rate stay where they are.
We have a fighting chance for a couple more quarters.
Speaker 3 (07:27):
Oh yeah, Remick right. But the point is everyone else
the device, the investment vehicle that we're talking about with
respect to guaranteed with draw rate, guaranteed youdinkle, whatever you
want to call it, guys, that particular investment that we're
talking about is head and shoulders in terms of the
guaranteed percentages above what's next in line? Okay. So the
(07:47):
point being is we can either talk about it now
or when they lower their rates, right to just lower
down to the competition, right. It's it is what it is, guys.
It is what it is. You either want to capture
a higher rate or you don't, so we'll keep it
that simple. And the point is so many of you
have done so, so many of you done so. So
it's a big thank you, please and thank you as
(08:08):
always here at Madison Nation.
Speaker 6 (08:11):
And Daniel my boy.
Speaker 5 (08:13):
People who have Pillar two. When don't we chat with them?
You know what we're chatting about? How are the kids?
How are the grand kids?
Speaker 3 (08:21):
Well done?
Speaker 5 (08:22):
We're not we're not worried about this AI technology meltdown
that happened.
Speaker 6 (08:27):
Earlier this week.
Speaker 5 (08:29):
We're talking about where are you going on vacation? Let
me just come next, how's life? Those are the conversations
you want to have.
Speaker 3 (08:35):
You you guys, you guys know you guys know this, okay,
And this is just why you want to have at
least a portion in today's day and age, Okay, why
you wouldn't have at least a portion of your investible
assets with some form of protection around it. Whether it's
guaranteed didn't come, whether it's princip protection, whatever happens to me,
(08:55):
it's beyond me. Because I'm gonna give you a statistic
that even boggled my mind. Okay, and this was earlier
this week, Mike, So we all get you know, we
all understand the stock that rhymes with Hevidia, right, Hevidia. Okay,
we all understand, and lost eighteen percent. Okay, who cares? Right,
who cares? Okay, chuck it up, one off, whatever, YadA, YadA, YadA,
(09:16):
just so happens to be the largest company in the
world depending on the man. But that's fine, you know,
that's cool. We've been talking about this for years, ever
since Facebook. This happened a Facebook two years ago, roughly, right.
But the point is this, here's the point, guys. I've
never seen this statistic before on a quote, shall we
call it normal day meaning non crash day meaning you
know again just sort of normal day. This was literally
(09:38):
literally earlier this week. This was Monday of this past week. Guys,
this is staggering, Mike, So of the S and P
five hundred right, so you got a limited five hundred
universities the biggest companies in this country right by definition. Okay,
how about this? Fort one four of them fell more
than ten percent in one day. Guys. That's that's that's yeah. Again,
(10:03):
that's the evidence that that's the mode, that's the casino,
that's what promotes protection. Guys, we're going to break. Michael
Brown is playing hurt today. Guys, reward him www dot
Madison Managers dot com. Go there again, d O D
two point ohos and again plenty plenty of requests to
talk about income planning. Let's do it whilst we can.
(10:25):
We'll see you right back.
Speaker 2 (10:30):
You are about to experience the planning for prosperity show
three two.
Speaker 3 (10:42):
Line.
Speaker 6 (10:43):
Yeah.
Speaker 3 (10:45):
I like this, great job. This is Dan Polanski managing
direct to Michael Brown. Michael Brown literally as a hole
in his head. I guess we all do technically, but
this is an additional hole. Freddy Krueger he got in
(11:07):
a battle with and he escaped into the woods. That's
what it looks like. Make no mistake, that's our commitment
to you. We take that really, really, really seriously. Best
way to get in touch with this guy's at Madison,
get in touch with the team you guys have wanted
DoD two boid oh's. I love it. I love that
you're giving them to your loved ones, You're giving them
(11:28):
their friends. You're thinking about other family members all across
the board.
Speaker 5 (11:33):
Whoever you're gonna burden needs to have this, and Mike
you have no idea.
Speaker 3 (11:39):
Guys, I'm gonna turn the floor to Mike, who's is
severely injured right now. But I'm gonna turn that floor
to Mike, because Mike you say it best. Everyone listening
right now has an estate, whether or not they know
it or not or want to know it.
Speaker 6 (11:54):
It exists right if you own any asset right a home.
Speaker 5 (11:59):
About all the above, the bottom line is either New
York State, whatever state you live in, and the federal
government wants they're pound of flesh from you. So if
you don't do a little planning ahead of time, they're going.
Speaker 3 (12:14):
To extract it exactly what they meeting.
Speaker 5 (12:18):
They the state going to take money from your estate.
So whoever your loved ones may be, spouse, kids, grandkids,
whatever the case may be.
Speaker 6 (12:28):
Maybe it's a charity.
Speaker 5 (12:30):
Why not preserve every dollar you can for those in
the beneficiary club. Very simple, but the people who have
to exercise those procedures need to know a how to
do so, when to do it, who to do it with,
and it's all in the DoD. So we spend a
lot of time talk about a state planning. We don't
(12:54):
spend enough time saying it's not a heavy.
Speaker 6 (12:58):
Lift, it's it's.
Speaker 5 (13:00):
Not going to cost you ten thousand dollars. This is
I don't want to say easy. It's a pain in
the neck. But once you do it, you do it.
And then Dan and myself and the team we monitor
it for you.
Speaker 3 (13:13):
Mike, I'm gonna go off on a tangent which we
are we are so to have to do here odd
planning for a Prosperity radio because I want to bring this.
I want to bring this up because it's come up
in a lot of meetings with you guys. And again, guys,
if you're new to the cruise ship, this is what
we call boots on the ground. If you want to
know what others others are doing out there, what we're
talking about with with your friends, with your family, with you,
(13:35):
with you guys, this is what we do on these airs. Okay.
This has come up a lot, Mike, and it's one
of the last things that we talk about. Okay. So
when we talk about our pillars, right, whether we talk
about the full, whether we talk about the full five
pillars or four pillars right, all but one? Okay, So
(13:56):
either either three or four of these pillars offer full
down protection, literally full death protection for your loved ones,
your beneficial.
Speaker 5 (14:05):
And Bill did to there you name your beneficiaries, well done,
that's your state plan.
Speaker 3 (14:10):
But Mike, we don't. This has come up so often
where I don't want to say it's the first thing
that you guys are asking about with respect to death
benefit on these investments, but it comes up, Okay, it
comes up, and it's coming up more and more and
more often. And you know what I think that is, Mike,
(14:30):
You know what I think it is. I think it's
because people just like what we just talked about right
where this past Monday, we're fourteen companies in the S
and P five hundred went down more than ten percent. Yes,
you heard that right on a single day. I think
people feel the fragility. I really do, Mike.
Speaker 5 (14:52):
They're starting to realize this is happening more and more
we talk about it.
Speaker 6 (14:58):
It's it's beca becoming more frequent.
Speaker 3 (15:01):
And and and the scary part is, Mike, is as
an investor, you kind of have to hold yourself out there.
If you don't have protections in place, you're holding yourself
out there hoping that the wheel won't land on your holdings.
But how do you do that? But it's going to
But but that's my whole point. It's going to everyone
(15:23):
out there.
Speaker 5 (15:23):
Whatever bet you want to make, there's going to be
a reckoning for all of them.
Speaker 6 (15:29):
This is how it goes.
Speaker 3 (15:30):
That's how it works out.
Speaker 5 (15:31):
Did anyone in their lives even hear about Deep Seek
before Monday?
Speaker 3 (15:38):
I heard, guys, we're not going to get it to any.
Speaker 5 (15:41):
I have no idea what this AI insanity is. But
it took a startup Chinese company to absolutely shatter the
S and P five hundred for a day.
Speaker 3 (15:52):
Yeah, and and you know what the reaction function was, Michael.
We what we always talk about it is let it
clear for a day and then see what happens. And
you know what happened, Mike, You had two or three
or four major international companies say wait a minute, our
model's better or we're on a better model. You think
that's good. Wait, see, wait to see what we're doing.
So point big, guys, poate big. If you don't want
(16:16):
to get caught, which is truly that's what happens. Right
when you own an individual security, it goes down twenty
five fifty percent. Whatever it is. You're you're caught, right,
You're you're effectively caught. And again maybe it works out
for the best over time, congratulations, But when you get caught,
When you get caught, you want to be able to
make a decision. Hey, maybe I view this as an opportunity.
(16:40):
But if you're all in, if you're all in the
naked basket, you really you shouldn't be doing that.
Speaker 5 (16:46):
If I'm eyeing retirement dan in two, three, four, five years,
or I'm a couple of years fresh into retirement, I
can't allow that to happen. I can't allow my capital
to be decimated in the blink of an eye. I
need to have protections on my capital to make sure
it stays intact so I can enjoy it and use it.
Speaker 3 (17:09):
And let's not even talk about one off stocks or
even fourteen of the largest companies on the face of
the planet, right deciding to go down over ten percent
one day right off of to your point, Mike, something
that was completely and I don't call it random eyes
because it's probably not a random but the point is
it was not even on the radar.
Speaker 6 (17:30):
No one saw this guy.
Speaker 3 (17:31):
The point is this, guys, we all lived or most
of us, right, most of us here lived through twenty
twenty two, we are. Depending on how you want to
look at it, right, you could make it very very
clean argument that when you look at all asset classes, right,
not just the S and five hundred, not just equities,
When you combine asset classes and look at this as
(17:53):
a cross asset function, it might been the worst you
ever in this country for financial assets. Very well could be, right.
Speaker 5 (18:01):
It proved our point that everything. Unfortunately, when I say everything,
all types of asset classes are so highly correlated there
is no real diversification anymore. Having the pie chart twenty
twenty two proved the pie chart.
Speaker 3 (18:18):
Ah, my broke, you are exciting me with your head
injury today.
Speaker 5 (18:21):
Right, So instead of let's joking about the pie chart
and saying, huh, it still didn't work, why don't we
turn the pie chart into real different time frames and
protection levels.
Speaker 6 (18:34):
Let that be the new pie chart that is what works.
Speaker 3 (18:38):
Why don't we start talking about advanced planning, which we're
starting to talk about with certain clients. And you know
who you are? You guys are you? Guys are listening
right now? You know who you are. What about if
you were around roughly two and a half years ago,
right when all of the now now they're called MAC seven.
Speaker 5 (18:56):
Oh yeah, it's the October eighth or whatever, because you
gotta put broad commed.
Speaker 3 (19:02):
I'm gonna call MAGS because again, but they pull themselves
out and then reinsert themselves right when the timing fits.
But let's let's just call them MAG seven. But we
called and this doesn't always work this way, guys, And
we're the first one to take our lumps, right, we
raise our hand, okay, on like others. But the point
is this, guys, there was a point where there was
a complete flush. It was about two and a half
years ago. We talked on these airs. If you want
(19:24):
to motivate yourself. We have a way to play this
that will put principal protection under your portfolio, right right,
and you can go all in on these names, growth.
Speaker 6 (19:34):
Growth, on all the go gos.
Speaker 3 (19:36):
Absolutely right. You know where we're at now, Mike, and
you know darn well we're at now. We're talking about
taking some cake, right, taking some cake out of the
you know, take a couple of slices out of the cake.
And guess where those slices go. They go right into
where do they go? They go into a guaranteed come
because you know, you know, we call those white gross
(19:56):
gross profit dollars. You know we love gross profit dollars, guys,
and gross profit dollars. Guess what? Guess what? That wasn't
your principle.
Speaker 6 (20:04):
You're literally taking the winnings.
Speaker 3 (20:05):
Right, You're literally taking the winnings, and you are now
creating an income stream for your life and your spouse's
life off of winnings.
Speaker 6 (20:15):
With a death benefit or with protection.
Speaker 3 (20:19):
We can talk about, guys, you know, we can talk
about we can talk about what the S and P.
Five hundred did last week. We will never do that
to you, guys. Michael Brown is playing hard, Guys, reward us.
That's all that we that's all that we asked for.
Just give us a give us a little shout. Www
dot m A d I S O N M A
n A g E r s dot com whether it's
(20:39):
D d W you want to learn.
Speaker 6 (20:41):
More twenty twenty five tax guide.
Speaker 3 (20:42):
Tax guides still out there. And again, you guys have
been great the last couple weeks asking for more literature,
more information about Pillar two. Because again, guys, now's the time.
I mean simply, what it's now is that now's the time.
It's TikTok exactly right. We have we have an investment
vehicle that is head and shoulders in terms of the
rate that they're offering above the rest. It's just set simple.
(21:03):
Either you want the higher rate or you want the
lower rate. Guys, it's that simple. Guys. We're going to break.
We got real music, we got Michael Brown injured. This
is fabulous. We'll be right back.
Speaker 6 (21:13):
Glad you're so happy about Oh it bakesic thrilled.
Speaker 2 (21:18):
You are about to experience the planning for prosperity show
in three two.
Speaker 3 (21:25):
Er he does. Yeah, I don't know who's saying it,
do you know? Look at you look at you, mister producer.
He's in there laughing, he's laughing. He actually looks good today.
Speaker 6 (21:43):
He's having that time.
Speaker 3 (21:44):
He's got all the weight on his bones now, he's
thinned down for the wedding. He's actually looking Yeah, he's back.
He's looking like he's not sickly anymore.
Speaker 4 (21:51):
Yeah.
Speaker 5 (21:52):
It's it's remember when people go to college, it's called
the freshman ten yeah, or whatever it is.
Speaker 6 (21:57):
He's like the newly married thirty Yeah.
Speaker 3 (21:59):
Yeah, the newly very thirty. Yeah, that's right. Where they
just eat together. All they do is eat spaghetti, meatball,
sausage every night, garlic frid Right. Oh, that's great. Happy weekend,
Dan Pilanthy, Michael Around, Managing director, Michael Brown. Guys, so
proud to be her Madison Wealth Bandage. We got a
(22:19):
great compliment to Mike. This is a a kad guys.
Best way to grab us to set your appointment www
dot Madison Managers dot com. M A D I S
O N M A N A g E R s.
And these were some new friends from Rotterdam, New York. Okay,
they came in Mike this past week. They're new friends.
Listened to radio and this is what they did. They're
fans of the show, right, They're fans of the show,
(22:41):
and they came across money. That's what this is all about, guys.
You mean, listen, we we totally understand that the bucket
isn't fulleth at all, you know, at all times. You
guys came across the money and you came in and
you know what they said, Mike, They said, you guys
really aren't kidding you guys are that genuine like you
really are? You really are how you present yourselves on air? Yeah, yeah,
(23:04):
we could act we're knuckleheads. No, it's it's not just
that we we could act, Mike.
Speaker 4 (23:09):
You know, we could sit here and you know, talk
about the benefits of you know, owning utilities and fixed
ROI you know that is running through the utility comussion
to be increased.
Speaker 5 (23:21):
Yeah, and you think it would help everybody if they
knew the percentage of time profit margins expanded when S
and P five hundred sales grew.
Speaker 6 (23:28):
This is nonsense.
Speaker 3 (23:29):
I'm gonna give you some Listen. I'm gonna give you
something that will help though, Mike, and you guys know this.
And again I'm gonna give the number because you guys know,
we nailed this call and we talked about it just
last segment. Www dot Madison Managers dot com. It's M
A D I S O N M A N A
G E R s dot com. The trade still holds today,
it's just not as again, not as let's say this,
(23:51):
not as potentially lucrative, okay, not a solicitation to buy
seller hold. However, let me put it this way, guys,
there was a report that this week. And again, you
guys know, we don't talk individual names only in the
context where they can help you within a diversified portfolio,
(24:12):
when we talk about advanced strategies to take advantage. Right.
The point is this, guys, let me ask you a
quick question, Michael. If I can own one of the
five largest companies in the world, okay, according to how
the market deems that company, how the market values that company,
not Forbes, not any just the.
Speaker 6 (24:33):
Market, the the overall global.
Speaker 3 (24:37):
Trade function views that company. If I can own the
five largest companies in the world, and I can watch
them in a normal quarter, right, as guys, we know
it's quarterly earning season. We talk about that, right, and
they grow. This is and again, guys, you're hearing this correctly,
and they grow their earnings per share fifty five zero
(24:59):
percent year over a year, Okay, five zero percent. Remember
what I said, This is an e lemonade stand This
is one of the five largest, one of the NAG seven's. Okay,
why would I not want to place a portion of
that in my portfolio? Right with some protection underneath it, Mike, Right,
because again we want to acknowledge that this particular security
(25:19):
has had a literally an all time high in a
tricky market. So the point is if they are growing
again at all time highs stock price, and they're capable
of growing their earnings per share fifty five zero percent
your year, Mike, why are you fighting this? We talk
about this. Why are you fighting? Why are you fighting this? Guys?
(25:42):
Is there a reason? Is the blueberry portfolio? Is the
magenta that appealing?
Speaker 6 (25:48):
It's easier.
Speaker 3 (25:50):
That's a good point, Mike, it is it is.
Speaker 6 (25:53):
It's easier.
Speaker 5 (25:55):
It's always easier to do nothing versus doing something. And
if I may, I'm in the pie chart portfolio. I
can take some fake comfort that I have all my
bases covered.
Speaker 3 (26:09):
It's a good way to put that's a good way
to put it. Mike, whereas, but but how do you
really have your bases covered? Let me, let me, let
me let me.
Speaker 6 (26:14):
You don't. I mean, in reality, you do not.
Speaker 5 (26:17):
But Wall Street is brainwas that once you have this,
you're all set.
Speaker 6 (26:25):
Here's until until you're not.
Speaker 3 (26:27):
Good good, until you're not good job Mike, now Here,
here's the way that I think about this, guys, as
we talk about pillar three right where we still think
there's value in pillar three again, not a solicitation to
buy seller hold you guys know that, okay, But the
point is this, When I can own MAG seven, right,
when I can own MAG seven, when I can own
arguably one two of the top rated managers that deal
(26:50):
in MAG seven and their teams, Mike, there is not
one one human right, this is a team of analysts,
you know, research up the kazoo, et cetera, et cetera.
If I can own let's say I want to put
fifty percent with one of those managers, fifty percent with another. Right,
I'm all growth. And I know that at the end
of seven years, if the world happens, if if deep
(27:13):
think happens, two days before my seven years matures, my
seven years comes due, I don't lose one penny on
my initial investment. Yet if things work out just fine, I.
Speaker 6 (27:29):
Keep every pack, keep the bounty.
Speaker 3 (27:32):
Can I ask you a question, why would I play
it naked?
Speaker 6 (27:36):
It's easier, is it?
Speaker 3 (27:37):
Is it? Mike? Is that what it comes down to?
Speaker 5 (27:40):
That's what behavioral finance. But that's what we've been conditioned
to do.
Speaker 3 (27:44):
Guys, guys, guys, is let me make this clear and again,
sometimes Mike and I and this is another this is
another I want to call it blind spot, right, Mike,
this is another blind spot of ours where when we
talk about these ideas, right, and we talk about Pillar
two and guaranteed withdrawal, guaranteed int come, whatever you want
(28:04):
to call it. When we talk about Pillar three, growth
with now true inoculation one percent, inoculation against laws. When
we talk about Mike's favorite Pillar four, which is your
index man. You're index man, but you're able to limit
your downside. Right. When we talk about all of these, guys,
all of these we do the work. We do the work.
(28:25):
This happened twice this past week alone, Mike, where we
sat down with a couple of you guys, and you
didn't realize that we get these things in place for you.
We handle this. This is not one eight hundred whomever
we do the paperwork, we bring them to you for signatures.
Speaker 5 (28:42):
And I think Dan a lot of things for a
lot of folks. You have to see it to believe it.
Speaker 3 (28:48):
Right, undoubtedly, undoubtedly.
Speaker 5 (28:50):
So you don't have to walk in here and give
a pint of blood, right, Oh yeah, yeah, it's not
that difficult, no, right, And the same goes for I
don't have a will, I don't have my power of attorney,
I don't have my healthcare directive, I don't have the
D O D.
Speaker 6 (29:06):
It's not that hard, it really isn't.
Speaker 3 (29:08):
But again that's what we do, though, Mike, And you
can't until you come in and experience that. I think again,
this is a blind spot, Mike. I think I think
a lot of people may think that. You know, we
send you off and you're doing this on your own,
and we send you a bill and all of this stuff. Guys,
you're you're part of the cruise ship. You're on the
cruise ship. So let's again, let's let's use that. Let's
(29:29):
make it super simple. Www. Dot Madison, it's M A
D I S O N. Managers. That's M A n
A G E R S dot com. Let's use one
of those tax boxes. Guys, set the appointments d O
D two point ohs D D two point ohs. Again,
we've got tax guides from our friends at Nationwide, our
(29:50):
friends at Nationwide. It's the tax sites gorgeous. Forget it,
it's for twenty twenty five two guys. It's forward looking.
We don't do arrears, okay.
Speaker 5 (29:58):
And what people often don't understand in is there a
different tiers of capitol gains tax based on your inc yea, yeah,
of course, there are different tiers of taxation for short
term versus long term gains. And in the very near future,
everyone's gonna get the bad news in their mailbox, the
ten ninety nine.
Speaker 3 (30:16):
Oh yeah, Oh, Mike, can you tell us how many
ten ninety nines you're gonna get? If again, when we
talk about pillar two, Pillar three, Pillar four, and pillar five,
Pillar five, and I write a check. I've got money
in the bank, right, I've got money in the bank
that's doing nothing for me. Okay, I write a check.
(30:39):
I give those guys at Madison a shot. Hey, I
like the sounds of pillar two. I want a little
pillar two pillar three. I mean like Mike's pillar four,
whatever it happens to me, Mike, can you tell me
how many ten ninety nine's I'm going to get, regardless
of growth, income, all of the above, for as long
as I choose, right until I take money out, how
many tenniney times am I gonna get?
Speaker 5 (30:58):
Mike, I'm gonna say this is very slow though, zero
right as opposed to I own that Blueberry portfolio. Right,
I'm getting a ten ninety nine even if I lost money,
and I'm gonna get short term capital gains, tax I
might have some long term most is going to be
(31:21):
taxes ordinary income.
Speaker 6 (31:22):
And I didn't make any money.
Speaker 3 (31:24):
No, And that's the key g And to that point, Mike,
we're not talking about the discomfort of waiting around for
the ten ninety nines. We're talking about the financial implications
of getting those ten night blocks.
Speaker 6 (31:35):
Why am I going to pay taxes?
Speaker 5 (31:38):
Specifically, if I'm in my what everyone calls your peak
earnings years, Why am I going to give more to
the government?
Speaker 6 (31:46):
Right?
Speaker 5 (31:46):
Why am I going to put myself in the Medicare
tax penalty box at three point eight percent? Why am
I going to push those dollars into the thirty two percent,
the thirty five percent bracket. I don't have to. I'm
not going to. Well, I mean, I own a few
individual securities, but most of my savings are in these
(32:11):
tax sheltered investments principle protected tax sheltered with a death
benefit from my kiddo's investments. Still all the stock market stuff,
but boy, I'm not going to be in the casino.
Speaker 3 (32:22):
That's the other thing too. Mike and I want to
talk about this, and this is and again, well let's
get this done quickly, Mike. Our new pillar two stand out, right,
our new pillar two stand out. Here's the one benefit
that it does have, okay, above its predecessor. You can
get in at a younger age. Okay, so your entry
(32:46):
can be younger than previous. Okay. So in other words,
if you want to build up a rich, rich pillar
over time, that's going to spout out a rich, rich
rate of income again over your lifetime when you, regardless
of market action, you can get in at a younger age. Guys,
if you're one of those people, let's talk about it.
Www dot Madison Managers dot com. M A D I
(33:08):
S O N M A N A G E R
S dot com. Use the textbox, let us know. Let's
chit chat d O D two point zero. Grab a
couple guys the freight. We'll see right back.
Speaker 2 (33:22):
You are about to experience the planning for Prosperity Show
and three two Here.
Speaker 3 (33:34):
Oh, Chris Cross, right, Christopher Cross takes me away, beautiful,
Dan Polansky theme from the movie Arthur. I have no
idea what you're talking about.
Speaker 6 (33:50):
Yeah, yeah, might not be the song.
Speaker 3 (33:52):
This is the Michael Brown managing directors here, I'm Daniel Polanski,
mister producers here, mister producer has been putting on the feedback.
Speaker 6 (34:02):
And he did a good week. This was good this week.
Speaker 3 (34:06):
This was outstanding everyone, and.
Speaker 6 (34:09):
Not as good as the parfase he's eating all daily.
Speaker 3 (34:11):
Yeah, we don't, we don't, we don't. Uh yeah, we
don't mean to poke fun. But mister producer drew but
he drew himself down for his wedding. He definitely some
sort of dehydration protocol. Yeah, like full dehydration protocol for
his wedding. And now that he's.
Speaker 6 (34:26):
Out of the full michelin man, you know mode right
now he.
Speaker 3 (34:30):
Can drink water. Now he's allowed. He's allowed to drink
water now so he's actually returning to something that resembles himself,
so it's actually magical. A couple of more a couple
of more weeks, he'll be back to uh you know
what we right, He'll be back to what we all
remember him as. But uh, yeah, it happens, It does,
it does. It's okay everyone www dot Madison Managers dot com,
(34:53):
m A D I S O N M A N
A G E R s dot com. And again, guys,
we say this half kiddingly, but again, if there is
hesitation to try us, please just try us. Respect our repetitions.
We are here for you every single week, rain, snow, sleet, shine, illness.
And Michael Brown has the nastiest gash on his head,
so one of the honestly, Mike, that's that's as bad
(35:13):
as I've ever seen should be told.
Speaker 6 (35:15):
So it's not handsome.
Speaker 3 (35:17):
He had a little like he had a little fight
with a nice patch. But it really guys a little
feet of the mind. As Michael Brown says, it looks
like he fought with Freddy Krueger in won like he
either won, but you ran into the woods and got
away somehow. That's you scampered up a tray and you
were able to you were able to escape.
Speaker 5 (35:34):
But here's what you're not going to hear from Daniel
and I when you come in and visit.
Speaker 6 (35:39):
Ye or you have a phone call.
Speaker 5 (35:40):
Oh, this will be good because this again, I can't
get enough of this hocus mcpocus research done by these
huge investment banks. So Dan, let me see if this
means anything to you or our listeners on how we
go about protecting monies, how we go about protecting income sources.
Speaker 6 (36:01):
Do we really care.
Speaker 5 (36:03):
What the United Kingdom's annual initial public offering volume is?
Speaker 6 (36:08):
Is that important to you?
Speaker 3 (36:10):
It's awesome, okay?
Speaker 5 (36:11):
Is it important the weight of cyclical versus defensive defensive
sectors for developing equity markets?
Speaker 6 (36:20):
Is that important to you?
Speaker 3 (36:21):
That's awesome?
Speaker 6 (36:22):
Okay?
Speaker 5 (36:23):
What about the expected return at the start of the
year versus the actual return of the MSCI emerging market.
Speaker 3 (36:30):
Now I'm gonna give you the punchline.
Speaker 6 (36:32):
I'm not making this, no, this is real.
Speaker 3 (36:33):
I'm watching it, guys, But I'm gonna give you the
punchline to this. The punchline is that you can enter
If this sounds really, really hot to you, you can
enter your favorite unsecured unsecured structured note product.
Speaker 6 (36:48):
Right, oh stop.
Speaker 3 (36:49):
It sold to you from your favorite investment bank slash
mutual fund, warehouse slash superstore, whatever you want to call it,
and the underlying rip to that advisor. Okay, only because we, Mike,
we met at the house that invented this stuff. Okay,
we worked there. The underlying rep, unfortunately is at least
and this is and at least one and a half
(37:10):
percent per quarter. You heard that, correct? You gotta tell
people what you mean, meaning meaning the concessionssion commission right
to the salesperson is the concession. The concession to the
salesperson is one and a half percent minimum to a court,
you know, to the quarter, because i'll assume that's probably
a quarterly role.
Speaker 5 (37:25):
Everyone think about this, how much that really is in fees? A.
You have no chance of actually making money. B. Believe
it or not. You're naked with some third rate bank
underwriting this, and there are so many layers of sales.
Speaker 6 (37:42):
People before it gets to you.
Speaker 5 (37:43):
Yeah, this is so expensive, you'll have a heart attack
if you really saw it.
Speaker 3 (37:48):
But what it'll tell you too is what's really underneath it,
which is nothing, nothing nothing quite quite literally quite literally
got there's nothing underneath it. It's it's just air.
Speaker 6 (37:57):
It's just synthetic product, just pure, just.
Speaker 3 (37:59):
Pure, just pure synthetic. So that's gonna be the paunch
line at the end of that super good research note. Okay,
and and it you don't make it an excuse for
your broker to call. But they could never explain that.
I mean, under no, Circuman and.
Speaker 6 (38:11):
Dan, I'm only on page eighty seven of this.
Speaker 5 (38:13):
I have weeks of material over there of this yet
to drop on you, just to upset.
Speaker 6 (38:17):
You a little.
Speaker 3 (38:18):
Don't read it whilst your head is not you know,
not not fully shall we say, not not fully healed?
Speaker 6 (38:25):
If you will, I'm slightly unwell huh, well.
Speaker 3 (38:28):
But you but we play that, Mike. And that's a
way like guys. So again we reminder, if for no
other reason www dot Madison, M A D I S
O N Managers M A N A G E R
S dot com. Okay, use the tax box and let
us know again tremendous requests from you guys for discussions
(38:49):
around Pillar two, which is guaranteed income, guaranteed withdrawal, personal pension,
personal social security, whatever you want to call it. Okay,
and and and and and do you two point zeros? Okay,
so that's really been the draw the last couple of weeks.
So keep it up, keep it up, keep it up.
And again, guys, it's absolutely absolutely all all free nine.
Speaker 5 (39:11):
And Dann, we often forget The twenty twenty five Tax
Planning Reference Guide is gold.
Speaker 6 (39:18):
Everybody needs to have this.
Speaker 5 (39:19):
You need to know what's coming at you this year, right,
so it could start to be a little proactive rather
than reactive.
Speaker 3 (39:25):
And Mike, what what do we do on the show?
Always forward looking, always for you? Guys? Don't want to
look in the past. No one wants to. It's just
not gonna help. You can look at the past if
you want.
Speaker 5 (39:34):
So when you get your ten ninety nine or ten
ninety nine rs, all of that in the next I
don't know month, you know, four or five weeks and
you start to get Odjita looking at the tax as
you owe, you're gonna want the tax Planning Guide to
think about how am I going to change?
Speaker 6 (39:49):
Is going going forward?
Speaker 3 (39:51):
Right? Exactly? Exactly right, Mike. And when we say god, guys,
it's literally bullet what we like, we call it consumer grade.
Speaker 6 (39:59):
Right, it's right down our ally it's bullet.
Speaker 3 (40:02):
Point and it it almost fits on one page. And
it almost fits on one page. So again, guys, you're
gonna love consuming it. So many of you requested and
you said it's great, great, great, great great. So again,
if you don't have it yet, grab it, because again,
this is forward looking. It's not gonna again. This is
not meant to go with you to your tax preparer.
You know this year, this is meant let's get this,
(40:22):
let's get some plans that.
Speaker 5 (40:23):
Let's get better this absolutely, let's just say we have
a down year and it happens often. Yeah, if I
get text when my capital goes down in value, I'm
not pleased. No, that's when I get angry. So how
(40:45):
am I gonna make sure to prevent a taxable event
when the market goes down? And the answer is just
call us.
Speaker 3 (40:54):
Yeah, I'm gonna say this too when we talk about
pillar two and this. It takes some seasoning because we
are all absolutely all conditioned. As you would say, Mike
by the Wall Street Machine, I have to look at
my principal value. I have to look at my principal
I gotta stare at my principal value. If it's I
(41:15):
need it up. I need it up, I need it up.
Here's the point, guys, and so many of you who
are now invested in pillar two. Now you're realizing it
because you're getting your statements right, and you're seeing that
regardless of market direction, right, regardless, you're seeing that each year,
(41:35):
which means each day, right, if you want to break
it down, regardless of market direction, you're guaranteed income figure.
You're guaranteed with draw figure. Guys, it goes up, goes
up each year, each each year, each waking day. You
don't touch it, okay, And you heard that right, regardless
of market direction, right, why not put a piece of
(41:55):
that in your portfolio so you don't don't don't don't
have to literally get an upset stomach whilst going through
normal gyrations in the market, which are now becoming weekly,
bi monthly. It's getting a bit eerie, it certainly is, Mike.
Speaker 5 (42:16):
And when you have the pillars in place, DWN, you
can stop doing one more thing. What's that having a
look at your counts every day on the oh, but
you don't have to anymore.
Speaker 3 (42:25):
You put, Mike, you put you put that best okay,
And I think it all originated, right, it absolutely all
originated with pillar four, right, Mike, this all began with
pillar four. Right, pillar four meaning.
Speaker 6 (42:40):
It started im was the genesis of this.
Speaker 3 (42:42):
Right, I'm index man, I can be s and P
five hundred. I can be Nasdak, Right, I can be
Nasdak And if if if I want to be so
micro as to be year to year and picking my
level of downside that I'm willing to stomach, I can
(43:04):
do it, right, I can do it keep going that.
Speaker 5 (43:07):
But maybe I want one year, May I want some
protection out three years, Maybe I want some out for
a full market cycle.
Speaker 3 (43:14):
Absolutely, we can move.
Speaker 6 (43:15):
Those chess pieces around whenever we choose.
Speaker 3 (43:17):
But what I'm saying is what can be more micro
than that? Right? If I want to be as sophisticated
as the most sophisticated institutions out there, which is also
where this all began, Guys, the point is this, what
is more micro than that? Where I can be Nasdaq
in a particular year, protect my downside, right, protect my
(43:39):
downside to the level that I choose, and then I
can maybe I see opportunity in Russell, or maybe I
see opportunity internationally.
Speaker 5 (43:47):
And those are the conversations we're starting to have Oh
if doubtedly, if interest rates start to trend lower again,
maybe it gives a goose to the mid and small
cap guys. Maybe we want to start talking about that today.
But while we're talking about it, we're also saying how
(44:07):
much protection do we want at the same time.
Speaker 3 (44:09):
That's it, that's and that's Mike. You just now that
that is that is.
Speaker 5 (44:14):
What if everything doesn't work? What if the world just
doesn't work, the markets don't work.
Speaker 6 (44:21):
Let's keep our principle intact.
Speaker 3 (44:22):
But we just talked about it last week. Why are
we not using pillar four as a specialized component? Right?
What if I want to be all NASDAC. What if
I want to play all NASDAK Why not?
Speaker 6 (44:33):
Why not?
Speaker 3 (44:33):
I could put my protections in place, earmark whatever percentage
of my overall portfolio. I want that to be right,
Put it in place, and go and dance.
Speaker 5 (44:43):
Oh, I think earlier this week prove the point. Oh,
we never know what the catalyst is. It's always rear
view mirror. We never even heard of this company before
Deep Seek.
Speaker 3 (44:55):
Deep Seek, which guys, you didn't know how closely your
securities were linked to deep Seek because forty.
Speaker 6 (45:01):
All of them are now apparently.
Speaker 3 (45:03):
Linked fourteen of the S and P five hundred fourteen securities,
and the S and P five hundred alone went down
over ten percent on Monday, just one singular day. Guys,
If that's not an argument to talk to us about protection,
I think we do it best, guys, and we can
say that www dot Madison Managers dot com. We gotta
run cruise ship Music planning for prosperity radio hour cruise
(45:24):
ship Music. Great job, mister producer. Guys, get us on
the internet. Let's set that appointment. Let's get you in
the office. We'll meet you at your how whatever you like.
Come see Michael's gash whatever it is. Ouch, We'll see
her out
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 (01:03):
You are about to experience the planning for prosperity. Shows
three two.
Speaker 3 (01:18):
Happy weekend everyone, Daniel plans King Managing director Michael Brown.
Oh do we have a story this week?
Speaker 4 (01:27):
And run.
Speaker 3 (01:30):
Very ex mister producer, Captain Steuben, Captain stubing, Oh my gosh,
Happy weekend everyone that just cheered me up. Guys. I'm
trying to keep my voice down a little bit, as guys.
Let me make this very clear. There are shows, and
(01:55):
they are hosts. Then there is this show, and then
there are the hosts. And when we say respect our repetitions,
if for no other reason to place a call, respect
that we are here, rain, sleet, shine, and now literally
(02:16):
we can add gurney to this. Michael Brown had a
little whoopsie in the show. We call it the inclement
or gorgeous northeastern weather that we have here. And the
picture that he showed me of his wound, the picture,
the fresh picture was actually more pleasant than what it
(02:39):
looks like now. This looks like the top crimes had
it literally looks like he fought with Freddy Krueger and
actually fought him off, like quite literally fought him off
and escaped and ran into the forest. It's like something truly,
it's out of a movie. And you can tell that
Michaels he's moving well, there's definitive soft tissue damage. Whilst
(03:02):
I'm certainly not a doctor, I can diagnose what this is.
It's not looking good. He should be embrace right now,
at minimum embrace And again, guys, all kidding aside, respect
the repetitions if for no other reason. Guys, we work
for it, we work for it, we earn it whatever
that old commercial was that you know, listen, we work
(03:24):
for we work for you. You guys who are already on
the cruise ship. You understand it. So again I'm gonna
put out a big thank you to all of you guys.
You guys are lighting up the internet the www dot
Madisonmanagers dot com. So 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.
(03:47):
And you guys use the textbox when you're there. There's
multiple and you guys have been requesting do D version
two point zeros like it's no tomorrow, and we absolutely
love that, because that is what it is all about.
Guys and you, as we talked about last week, you've
taken it next level and this is what we need.
(04:08):
This is what we really want. Not only do you
have the d DS in your collection, but now kids, friends, others. Right,
that's who you're passing them along to. And that's really whoever.
Speaker 5 (04:21):
You're going to burden with being executor. Listen, healthcare Proxytney trustee.
You have to give him. You have to arm them
so they know what they're walking into.
Speaker 3 (04:34):
Mike, how about the local how about the local communita
what would you call it? Convenience store rep that I
see there? You know, I stop and get asoda whatever
on the way to work, you know, on the weekend.
How about how about we got him a D day.
We got him a deal day. It's help, it's help.
It's a simple.
Speaker 5 (04:50):
Everybody, every executor might Trustee. I'm lucky it is my
brother Steve, who works in his business. Yeah, he's reading. Well,
the point Mike, if you count, because if I slip
and fall again, I might not make it back.
Speaker 3 (05:03):
Let's put it this way. If you don't find value
in two pieces and two pieces alone, the estate planning timeline, right,
which is essentially a how to write how to execute
an estate on your own, and it's also how to
hand it out to the members of the Beneficiary club.
This is what we're doing, so relax, okay. And or
(05:24):
what to do when a loved one dies, which is
the other white paper. If you don't find value in that,
I'm just sorry. I'm sorry. That's not us, that's not
on us. That that's on you, okay.
Speaker 5 (05:36):
And the problemo is that the bad guys who steal
identities and then steal moneys and accounts and all that,
they're getting better and better by the day. So you
have to at least have a little ammunition to protect
against that.
Speaker 3 (05:52):
Mike, I'm going to give you something too, And this
is a big thank you to you guys, because we
have had so many conversations in the last couple of
weeks alone. And I think this is because the change
in the year, people start to think about retirement. Right.
You start to think, okay, new year, I'm thinking about
this a couple of years out, maybe this year, maybe
five years out. Whatever it happens to me. But you, guys,
(06:14):
have been requesting literature. You've been requesting appointments, right, You've
been requesting phone appointments regarding regarding my favorite pillar, which
is pillar two, which is whatever you want to call it,
your own personal pension guaranteed, what you're all for life,
whatever you want to call it, your own social security
wouldever you want to look at it as guys, And
(06:38):
now's the time. I mean, it's really simple. We already
saw one very highly highly Should we call it payant?
Is that a word? I know? Should we call it?
Let's call it this way for this particular cycle, from
what we've seen in terms of maximum age sixty five payout,
(06:59):
it's gone. It's gone in this state. It's going. It's going,
already gone to New York state. Okay, there is a
next man up or next woman up. That's awfully close. Okay,
point being is everything else below that, everything else below
that is It's okay, be fine, but it's not what
we're talking about.
Speaker 5 (07:18):
Okay, it is what it is. It is what it is,
right right, and is interest rate stay where they are.
We have a fighting chance for a couple more quarters.
Speaker 3 (07:27):
Oh yeah, Remick right. But the point is everyone else
the device, the investment vehicle that we're talking about with
respect to guaranteed with draw rate, guaranteed youdinkle, whatever you
want to call it, guys, that particular investment that we're
talking about is head and shoulders in terms of the
guaranteed percentages above what's next in line? Okay. So the
(07:47):
point being is we can either talk about it now
or when they lower their rates, right to just lower
down to the competition, right. It's it is what it is, guys.
It is what it is. You either want to capture
a higher rate or you don't, so we'll keep it
that simple. And the point is so many of you
have done so, so many of you done so. So
it's a big thank you, please and thank you as
(08:08):
always here at Madison Nation.
Speaker 6 (08:11):
And Daniel my boy.
Speaker 5 (08:13):
People who have Pillar two. When don't we chat with them?
You know what we're chatting about? How are the kids?
How are the grand kids?
Speaker 3 (08:21):
Well done?
Speaker 5 (08:22):
We're not we're not worried about this AI technology meltdown
that happened.
Speaker 6 (08:27):
Earlier this week.
Speaker 5 (08:29):
We're talking about where are you going on vacation? Let
me just come next, how's life? Those are the conversations
you want to have.
Speaker 3 (08:35):
You you guys, you guys know you guys know this, okay,
And this is just why you want to have at
least a portion in today's day and age, Okay, why
you wouldn't have at least a portion of your investible
assets with some form of protection around it. Whether it's
guaranteed didn't come, whether it's princip protection, whatever happens to me,
(08:55):
it's beyond me. Because I'm gonna give you a statistic
that even boggled my mind. Okay, and this was earlier
this week, Mike, So we all get you know, we
all understand the stock that rhymes with Hevidia, right, Hevidia. Okay,
we all understand, and lost eighteen percent. Okay, who cares? Right,
who cares? Okay, chuck it up, one off, whatever, YadA, YadA, YadA,
(09:16):
just so happens to be the largest company in the
world depending on the man. But that's fine, you know,
that's cool. We've been talking about this for years, ever
since Facebook. This happened a Facebook two years ago, roughly, right.
But the point is this, here's the point, guys. I've
never seen this statistic before on a quote, shall we
call it normal day meaning non crash day meaning you
know again just sort of normal day. This was literally
(09:38):
literally earlier this week. This was Monday of this past week. Guys,
this is staggering, Mike, So of the S and P
five hundred right, so you got a limited five hundred
universities the biggest companies in this country right by definition. Okay,
how about this? Fort one four of them fell more
than ten percent in one day. Guys. That's that's that's yeah. Again,
(10:03):
that's the evidence that that's the mode, that's the casino,
that's what promotes protection. Guys, we're going to break. Michael
Brown is playing hurt today. Guys, reward him www dot
Madison Managers dot com. Go there again, d O D
two point ohos and again plenty plenty of requests to
talk about income planning. Let's do it whilst we can.
(10:25):
We'll see you right back.
Speaker 2 (10:30):
You are about to experience the planning for prosperity show
three two.
Speaker 3 (10:42):
Line.
Speaker 6 (10:43):
Yeah.
Speaker 3 (10:45):
I like this, great job. This is Dan Polanski managing
direct to Michael Brown. Michael Brown literally as a hole
in his head. I guess we all do technically, but
this is an additional hole. Freddy Krueger he got in
(11:07):
a battle with and he escaped into the woods. That's
what it looks like. Make no mistake, that's our commitment
to you. We take that really, really, really seriously. Best
way to get in touch with this guy's at Madison,
get in touch with the team you guys have wanted
DoD two boid oh's. I love it. I love that
you're giving them to your loved ones, You're giving them
(11:28):
their friends. You're thinking about other family members all across
the board.
Speaker 5 (11:33):
Whoever you're gonna burden needs to have this, and Mike
you have no idea.
Speaker 3 (11:39):
Guys, I'm gonna turn the floor to Mike, who's is
severely injured right now. But I'm gonna turn that floor
to Mike, because Mike you say it best. Everyone listening
right now has an estate, whether or not they know
it or not or want to know it.
Speaker 6 (11:54):
It exists right if you own any asset right a home.
Speaker 5 (11:59):
About all the above, the bottom line is either New
York State, whatever state you live in, and the federal
government wants they're pound of flesh from you. So if
you don't do a little planning ahead of time, they're going.
Speaker 3 (12:14):
To extract it exactly what they meeting.
Speaker 5 (12:18):
They the state going to take money from your estate.
So whoever your loved ones may be, spouse, kids, grandkids,
whatever the case may be.
Speaker 6 (12:28):
Maybe it's a charity.
Speaker 5 (12:30):
Why not preserve every dollar you can for those in
the beneficiary club. Very simple, but the people who have
to exercise those procedures need to know a how to
do so, when to do it, who to do it with,
and it's all in the DoD. So we spend a
lot of time talk about a state planning. We don't
(12:54):
spend enough time saying it's not a heavy.
Speaker 6 (12:58):
Lift, it's it's.
Speaker 5 (13:00):
Not going to cost you ten thousand dollars. This is
I don't want to say easy. It's a pain in
the neck. But once you do it, you do it.
And then Dan and myself and the team we monitor
it for you.
Speaker 3 (13:13):
Mike, I'm gonna go off on a tangent which we
are we are so to have to do here odd
planning for a Prosperity radio because I want to bring this.
I want to bring this up because it's come up
in a lot of meetings with you guys. And again, guys,
if you're new to the cruise ship, this is what
we call boots on the ground. If you want to
know what others others are doing out there, what we're
talking about with with your friends, with your family, with you,
(13:35):
with you guys, this is what we do on these airs. Okay.
This has come up a lot, Mike, and it's one
of the last things that we talk about. Okay. So
when we talk about our pillars, right, whether we talk
about the full, whether we talk about the full five
pillars or four pillars right, all but one? Okay, So
(13:56):
either either three or four of these pillars offer full
down protection, literally full death protection for your loved ones,
your beneficial.
Speaker 5 (14:05):
And Bill did to there you name your beneficiaries, well done,
that's your state plan.
Speaker 3 (14:10):
But Mike, we don't. This has come up so often
where I don't want to say it's the first thing
that you guys are asking about with respect to death
benefit on these investments, but it comes up, Okay, it
comes up, and it's coming up more and more and
more often. And you know what I think that is, Mike,
(14:30):
You know what I think it is. I think it's
because people just like what we just talked about right
where this past Monday, we're fourteen companies in the S
and P five hundred went down more than ten percent. Yes,
you heard that right on a single day. I think
people feel the fragility. I really do, Mike.
Speaker 5 (14:52):
They're starting to realize this is happening more and more
we talk about it.
Speaker 6 (14:58):
It's it's beca becoming more frequent.
Speaker 3 (15:01):
And and and the scary part is, Mike, is as
an investor, you kind of have to hold yourself out there.
If you don't have protections in place, you're holding yourself
out there hoping that the wheel won't land on your holdings.
But how do you do that? But it's going to
But but that's my whole point. It's going to everyone
(15:23):
out there.
Speaker 5 (15:23):
Whatever bet you want to make, there's going to be
a reckoning for all of them.
Speaker 6 (15:29):
This is how it goes.
Speaker 3 (15:30):
That's how it works out.
Speaker 5 (15:31):
Did anyone in their lives even hear about Deep Seek
before Monday?
Speaker 3 (15:38):
I heard, guys, we're not going to get it to any.
Speaker 5 (15:41):
I have no idea what this AI insanity is. But
it took a startup Chinese company to absolutely shatter the
S and P five hundred for a day.
Speaker 3 (15:52):
Yeah, and and you know what the reaction function was, Michael.
We what we always talk about it is let it
clear for a day and then see what happens. And
you know what happened, Mike, You had two or three
or four major international companies say wait a minute, our
model's better or we're on a better model. You think
that's good. Wait, see, wait to see what we're doing.
So point big, guys, poate big. If you don't want
(16:16):
to get caught, which is truly that's what happens. Right
when you own an individual security, it goes down twenty
five fifty percent. Whatever it is. You're you're caught, right,
You're you're effectively caught. And again maybe it works out
for the best over time, congratulations, But when you get caught,
When you get caught, you want to be able to
make a decision. Hey, maybe I view this as an opportunity.
(16:40):
But if you're all in, if you're all in the
naked basket, you really you shouldn't be doing that.
Speaker 5 (16:46):
If I'm eyeing retirement dan in two, three, four, five years,
or I'm a couple of years fresh into retirement, I
can't allow that to happen. I can't allow my capital
to be decimated in the blink of an eye. I
need to have protections on my capital to make sure
it stays intact so I can enjoy it and use it.
Speaker 3 (17:09):
And let's not even talk about one off stocks or
even fourteen of the largest companies on the face of
the planet, right deciding to go down over ten percent
one day right off of to your point, Mike, something
that was completely and I don't call it random eyes
because it's probably not a random but the point is
it was not even on the radar.
Speaker 6 (17:30):
No one saw this guy.
Speaker 3 (17:31):
The point is this, guys, we all lived or most
of us, right, most of us here lived through twenty
twenty two, we are. Depending on how you want to
look at it, right, you could make it very very
clean argument that when you look at all asset classes, right,
not just the S and five hundred, not just equities,
When you combine asset classes and look at this as
(17:53):
a cross asset function, it might been the worst you
ever in this country for financial assets. Very well could be, right.
Speaker 5 (18:01):
It proved our point that everything. Unfortunately, when I say everything,
all types of asset classes are so highly correlated there
is no real diversification anymore. Having the pie chart twenty
twenty two proved the pie chart.
Speaker 3 (18:18):
Ah, my broke, you are exciting me with your head
injury today.
Speaker 5 (18:21):
Right, So instead of let's joking about the pie chart
and saying, huh, it still didn't work, why don't we
turn the pie chart into real different time frames and
protection levels.
Speaker 6 (18:34):
Let that be the new pie chart that is what works.
Speaker 3 (18:38):
Why don't we start talking about advanced planning, which we're
starting to talk about with certain clients. And you know
who you are? You guys are you? Guys are listening
right now? You know who you are. What about if
you were around roughly two and a half years ago,
right when all of the now now they're called MAC seven.
Speaker 5 (18:56):
Oh yeah, it's the October eighth or whatever, because you
gotta put broad commed.
Speaker 3 (19:02):
I'm gonna call MAGS because again, but they pull themselves
out and then reinsert themselves right when the timing fits.
But let's let's just call them MAG seven. But we
called and this doesn't always work this way, guys, And
we're the first one to take our lumps, right, we
raise our hand, okay, on like others. But the point
is this, guys, there was a point where there was
a complete flush. It was about two and a half
years ago. We talked on these airs. If you want
(19:24):
to motivate yourself. We have a way to play this
that will put principal protection under your portfolio, right right,
and you can go all in on these names, growth.
Speaker 6 (19:34):
Growth, on all the go gos.
Speaker 3 (19:36):
Absolutely right. You know where we're at now, Mike, and
you know darn well we're at now. We're talking about
taking some cake, right, taking some cake out of the
you know, take a couple of slices out of the cake.
And guess where those slices go. They go right into
where do they go? They go into a guaranteed come
because you know, you know, we call those white gross
(19:56):
gross profit dollars. You know we love gross profit dollars, guys,
and gross profit dollars. Guess what? Guess what? That wasn't
your principle.
Speaker 6 (20:04):
You're literally taking the winnings.
Speaker 3 (20:05):
Right, You're literally taking the winnings, and you are now
creating an income stream for your life and your spouse's
life off of winnings.
Speaker 6 (20:15):
With a death benefit or with protection.
Speaker 3 (20:19):
We can talk about, guys, you know, we can talk
about we can talk about what the S and P.
Five hundred did last week. We will never do that
to you, guys. Michael Brown is playing hard, Guys, reward us.
That's all that we that's all that we asked for.
Just give us a give us a little shout. Www
dot m A d I S O N M A
n A g E r s dot com whether it's
(20:39):
D d W you want to learn.
Speaker 6 (20:41):
More twenty twenty five tax guide.
Speaker 3 (20:42):
Tax guides still out there. And again, you guys have
been great the last couple weeks asking for more literature,
more information about Pillar two. Because again, guys, now's the time.
I mean simply, what it's now is that now's the time.
It's TikTok exactly right. We have we have an investment
vehicle that is head and shoulders in terms of the
rate that they're offering above the rest. It's just set simple.
(21:03):
Either you want the higher rate or you want the
lower rate. Guys, it's that simple. Guys. We're going to break.
We got real music, we got Michael Brown injured. This
is fabulous. We'll be right back.
Speaker 6 (21:13):
Glad you're so happy about Oh it bakesic thrilled.
Speaker 2 (21:18):
You are about to experience the planning for prosperity show
in three two.
Speaker 3 (21:25):
Er he does. Yeah, I don't know who's saying it,
do you know? Look at you look at you, mister producer.
He's in there laughing, he's laughing. He actually looks good today.
Speaker 6 (21:43):
He's having that time.
Speaker 3 (21:44):
He's got all the weight on his bones now, he's
thinned down for the wedding. He's actually looking Yeah, he's back.
He's looking like he's not sickly anymore.
Speaker 4 (21:51):
Yeah.
Speaker 5 (21:52):
It's it's remember when people go to college, it's called
the freshman ten yeah, or whatever it is.
Speaker 6 (21:57):
He's like the newly married thirty Yeah.
Speaker 3 (21:59):
Yeah, the newly very thirty. Yeah, that's right. Where they
just eat together. All they do is eat spaghetti, meatball,
sausage every night, garlic frid Right. Oh, that's great. Happy weekend,
Dan Pilanthy, Michael Around, Managing director, Michael Brown. Guys, so
proud to be her Madison Wealth Bandage. We got a
(22:19):
great compliment to Mike. This is a a kad guys.
Best way to grab us to set your appointment www
dot Madison Managers dot com. M A D I S
O N M A N A g E R s.
And these were some new friends from Rotterdam, New York. Okay,
they came in Mike this past week. They're new friends.
Listened to radio and this is what they did. They're
fans of the show, right, They're fans of the show,
(22:41):
and they came across money. That's what this is all about, guys.
You mean, listen, we we totally understand that the bucket
isn't fulleth at all, you know, at all times. You
guys came across the money and you came in and
you know what they said, Mike, They said, you guys
really aren't kidding you guys are that genuine like you
really are? You really are how you present yourselves on air? Yeah, yeah,
(23:04):
we could act we're knuckleheads. No, it's it's not just
that we we could act, Mike.
Speaker 4 (23:09):
You know, we could sit here and you know, talk
about the benefits of you know, owning utilities and fixed
ROI you know that is running through the utility comussion
to be increased.
Speaker 5 (23:21):
Yeah, and you think it would help everybody if they
knew the percentage of time profit margins expanded when S
and P five hundred sales grew.
Speaker 6 (23:28):
This is nonsense.
Speaker 3 (23:29):
I'm gonna give you some Listen. I'm gonna give you
something that will help though, Mike, and you guys know this.
And again I'm gonna give the number because you guys know,
we nailed this call and we talked about it just
last segment. Www dot Madison Managers dot com. It's M
A D I S O N M A N A
G E R s dot com. The trade still holds today,
it's just not as again, not as let's say this,
(23:51):
not as potentially lucrative, okay, not a solicitation to buy
seller hold. However, let me put it this way, guys,
there was a report that this week. And again, you
guys know, we don't talk individual names only in the
context where they can help you within a diversified portfolio,
(24:12):
when we talk about advanced strategies to take advantage. Right.
The point is this, guys, let me ask you a
quick question, Michael. If I can own one of the
five largest companies in the world, okay, according to how
the market deems that company, how the market values that company,
not Forbes, not any just the.
Speaker 6 (24:33):
Market, the the overall global.
Speaker 3 (24:37):
Trade function views that company. If I can own the
five largest companies in the world, and I can watch
them in a normal quarter, right, as guys, we know
it's quarterly earning season. We talk about that, right, and
they grow. This is and again, guys, you're hearing this correctly,
and they grow their earnings per share fifty five zero
(24:59):
percent year over a year, Okay, five zero percent. Remember
what I said, This is an e lemonade stand This
is one of the five largest, one of the NAG seven's. Okay,
why would I not want to place a portion of
that in my portfolio? Right with some protection underneath it, Mike, Right,
because again we want to acknowledge that this particular security
(25:19):
has had a literally an all time high in a
tricky market. So the point is if they are growing
again at all time highs stock price, and they're capable
of growing their earnings per share fifty five zero percent
your year, Mike, why are you fighting this? We talk
about this. Why are you fighting? Why are you fighting this? Guys?
(25:42):
Is there a reason? Is the blueberry portfolio? Is the
magenta that appealing?
Speaker 6 (25:48):
It's easier.
Speaker 3 (25:50):
That's a good point, Mike, it is it is.
Speaker 6 (25:53):
It's easier.
Speaker 5 (25:55):
It's always easier to do nothing versus doing something. And
if I may, I'm in the pie chart portfolio. I
can take some fake comfort that I have all my
bases covered.
Speaker 3 (26:09):
It's a good way to put that's a good way
to put it. Mike, whereas, but but how do you
really have your bases covered? Let me, let me, let
me let me.
Speaker 6 (26:14):
You don't. I mean, in reality, you do not.
Speaker 5 (26:17):
But Wall Street is brainwas that once you have this,
you're all set.
Speaker 6 (26:25):
Here's until until you're not.
Speaker 3 (26:27):
Good good, until you're not good job Mike, now Here,
here's the way that I think about this, guys, as
we talk about pillar three right where we still think
there's value in pillar three again, not a solicitation to
buy seller hold you guys know that, okay, But the
point is this, When I can own MAG seven, right,
when I can own MAG seven, when I can own
arguably one two of the top rated managers that deal
(26:50):
in MAG seven and their teams, Mike, there is not
one one human right, this is a team of analysts,
you know, research up the kazoo, et cetera, et cetera.
If I can own let's say I want to put
fifty percent with one of those managers, fifty percent with another. Right,
I'm all growth. And I know that at the end
of seven years, if the world happens, if if deep
(27:13):
think happens, two days before my seven years matures, my
seven years comes due, I don't lose one penny on
my initial investment. Yet if things work out just fine, I.
Speaker 6 (27:29):
Keep every pack, keep the bounty.
Speaker 3 (27:32):
Can I ask you a question, why would I play
it naked?
Speaker 6 (27:36):
It's easier, is it?
Speaker 3 (27:37):
Is it? Mike? Is that what it comes down to?
Speaker 5 (27:40):
That's what behavioral finance. But that's what we've been conditioned
to do.
Speaker 3 (27:44):
Guys, guys, guys, is let me make this clear and again,
sometimes Mike and I and this is another this is
another I want to call it blind spot, right, Mike,
this is another blind spot of ours where when we
talk about these ideas, right, and we talk about Pillar
two and guaranteed withdrawal, guaranteed int come, whatever you want
(28:04):
to call it. When we talk about Pillar three, growth
with now true inoculation one percent, inoculation against laws. When
we talk about Mike's favorite Pillar four, which is your
index man. You're index man, but you're able to limit
your downside. Right. When we talk about all of these, guys,
all of these we do the work. We do the work.
(28:25):
This happened twice this past week alone, Mike, where we
sat down with a couple of you guys, and you
didn't realize that we get these things in place for you.
We handle this. This is not one eight hundred whomever
we do the paperwork, we bring them to you for signatures.
Speaker 5 (28:42):
And I think Dan a lot of things for a
lot of folks. You have to see it to believe it.
Speaker 3 (28:48):
Right, undoubtedly, undoubtedly.
Speaker 5 (28:50):
So you don't have to walk in here and give
a pint of blood, right, Oh yeah, yeah, it's not
that difficult, no, right, And the same goes for I
don't have a will, I don't have my power of attorney,
I don't have my healthcare directive, I don't have the
D O D.
Speaker 6 (29:06):
It's not that hard, it really isn't.
Speaker 3 (29:08):
But again that's what we do, though, Mike, And you
can't until you come in and experience that. I think again,
this is a blind spot, Mike. I think I think
a lot of people may think that. You know, we
send you off and you're doing this on your own,
and we send you a bill and all of this stuff. Guys,
you're you're part of the cruise ship. You're on the
cruise ship. So let's again, let's let's use that. Let's
(29:29):
make it super simple. Www. Dot Madison, it's M A
D I S O N. Managers. That's M A n
A G E R S dot com. Let's use one
of those tax boxes. Guys, set the appointments d O
D two point ohs D D two point ohs. Again,
we've got tax guides from our friends at Nationwide, our
(29:50):
friends at Nationwide. It's the tax sites gorgeous. Forget it,
it's for twenty twenty five two guys. It's forward looking.
We don't do arrears, okay.
Speaker 5 (29:58):
And what people often don't understand in is there a
different tiers of capitol gains tax based on your inc yea, yeah,
of course, there are different tiers of taxation for short
term versus long term gains. And in the very near future,
everyone's gonna get the bad news in their mailbox, the
ten ninety nine.
Speaker 3 (30:16):
Oh yeah, Oh, Mike, can you tell us how many
ten ninety nines you're gonna get? If again, when we
talk about pillar two, Pillar three, Pillar four, and pillar five,
Pillar five, and I write a check. I've got money
in the bank, right, I've got money in the bank
that's doing nothing for me. Okay, I write a check.
(30:39):
I give those guys at Madison a shot. Hey, I
like the sounds of pillar two. I want a little
pillar two pillar three. I mean like Mike's pillar four,
whatever it happens to me, Mike, can you tell me
how many ten ninety nine's I'm going to get, regardless
of growth, income, all of the above, for as long
as I choose, right until I take money out, how
many tenniney times am I gonna get?
Speaker 5 (30:58):
Mike, I'm gonna say this is very slow though, zero
right as opposed to I own that Blueberry portfolio. Right,
I'm getting a ten ninety nine even if I lost money,
and I'm gonna get short term capital gains, tax I
might have some long term most is going to be
(31:21):
taxes ordinary income.
Speaker 6 (31:22):
And I didn't make any money.
Speaker 3 (31:24):
No, And that's the key g And to that point, Mike,
we're not talking about the discomfort of waiting around for
the ten ninety nines. We're talking about the financial implications
of getting those ten night blocks.
Speaker 6 (31:35):
Why am I going to pay taxes?
Speaker 5 (31:38):
Specifically, if I'm in my what everyone calls your peak
earnings years, Why am I going to give more to
the government?
Speaker 6 (31:46):
Right?
Speaker 5 (31:46):
Why am I going to put myself in the Medicare
tax penalty box at three point eight percent? Why am
I going to push those dollars into the thirty two percent,
the thirty five percent bracket. I don't have to. I'm
not going to. Well, I mean, I own a few
individual securities, but most of my savings are in these
(32:11):
tax sheltered investments principle protected tax sheltered with a death
benefit from my kiddo's investments. Still all the stock market stuff,
but boy, I'm not going to be in the casino.
Speaker 3 (32:22):
That's the other thing too. Mike and I want to
talk about this, and this is and again, well let's
get this done quickly, Mike. Our new pillar two stand out, right,
our new pillar two stand out. Here's the one benefit
that it does have, okay, above its predecessor. You can
get in at a younger age. Okay, so your entry
(32:46):
can be younger than previous. Okay. So in other words,
if you want to build up a rich, rich pillar
over time, that's going to spout out a rich, rich
rate of income again over your lifetime when you, regardless
of market action, you can get in at a younger age. Guys,
if you're one of those people, let's talk about it.
Www dot Madison Managers dot com. M A D I
(33:08):
S O N M A N A G E R
S dot com. Use the textbox, let us know. Let's
chit chat d O D two point zero. Grab a
couple guys the freight. We'll see right back.
Speaker 2 (33:22):
You are about to experience the planning for Prosperity Show
and three two Here.
Speaker 3 (33:34):
Oh, Chris Cross, right, Christopher Cross takes me away, beautiful,
Dan Polansky theme from the movie Arthur. I have no
idea what you're talking about.
Speaker 6 (33:50):
Yeah, yeah, might not be the song.
Speaker 3 (33:52):
This is the Michael Brown managing directors here, I'm Daniel Polanski,
mister producers here, mister producer has been putting on the feedback.
Speaker 6 (34:02):
And he did a good week. This was good this week.
Speaker 3 (34:06):
This was outstanding everyone, and.
Speaker 6 (34:09):
Not as good as the parfase he's eating all daily.
Speaker 3 (34:11):
Yeah, we don't, we don't, we don't. Uh yeah, we
don't mean to poke fun. But mister producer drew but
he drew himself down for his wedding. He definitely some
sort of dehydration protocol. Yeah, like full dehydration protocol for
his wedding. And now that he's.
Speaker 6 (34:26):
Out of the full michelin man, you know mode right
now he.
Speaker 3 (34:30):
Can drink water. Now he's allowed. He's allowed to drink
water now so he's actually returning to something that resembles himself,
so it's actually magical. A couple of more a couple
of more weeks, he'll be back to uh you know
what we right, He'll be back to what we all
remember him as. But uh, yeah, it happens, It does,
it does. It's okay everyone www dot Madison Managers dot com,
(34:53):
m A D I S O N M A N
A G E R s dot com. And again, guys,
we say this half kiddingly, but again, if there is
hesitation to try us, please just try us. Respect our repetitions.
We are here for you every single week, rain, snow, sleet, shine, illness.
And Michael Brown has the nastiest gash on his head,
so one of the honestly, Mike, that's that's as bad
(35:13):
as I've ever seen should be told.
Speaker 6 (35:15):
So it's not handsome.
Speaker 3 (35:17):
He had a little like he had a little fight
with a nice patch. But it really guys a little
feet of the mind. As Michael Brown says, it looks
like he fought with Freddy Krueger in won like he
either won, but you ran into the woods and got
away somehow. That's you scampered up a tray and you
were able to you were able to escape.
Speaker 5 (35:34):
But here's what you're not going to hear from Daniel
and I when you come in and visit.
Speaker 6 (35:39):
Ye or you have a phone call.
Speaker 5 (35:40):
Oh, this will be good because this again, I can't
get enough of this hocus mcpocus research done by these
huge investment banks. So Dan, let me see if this
means anything to you or our listeners on how we
go about protecting monies, how we go about protecting income sources.
Speaker 6 (36:01):
Do we really care.
Speaker 5 (36:03):
What the United Kingdom's annual initial public offering volume is?
Speaker 6 (36:08):
Is that important to you?
Speaker 3 (36:10):
It's awesome, okay?
Speaker 5 (36:11):
Is it important the weight of cyclical versus defensive defensive
sectors for developing equity markets?
Speaker 6 (36:20):
Is that important to you?
Speaker 3 (36:21):
That's awesome?
Speaker 6 (36:22):
Okay?
Speaker 5 (36:23):
What about the expected return at the start of the
year versus the actual return of the MSCI emerging market.
Speaker 3 (36:30):
Now I'm gonna give you the punchline.
Speaker 6 (36:32):
I'm not making this, no, this is real.
Speaker 3 (36:33):
I'm watching it, guys, But I'm gonna give you the
punchline to this. The punchline is that you can enter
If this sounds really, really hot to you, you can
enter your favorite unsecured unsecured structured note product.
Speaker 6 (36:48):
Right, oh stop.
Speaker 3 (36:49):
It sold to you from your favorite investment bank slash
mutual fund, warehouse slash superstore, whatever you want to call it,
and the underlying rip to that advisor. Okay, only because we, Mike,
we met at the house that invented this stuff. Okay,
we worked there. The underlying rep, unfortunately is at least
and this is and at least one and a half
(37:10):
percent per quarter. You heard that, correct? You gotta tell
people what you mean, meaning meaning the concessionssion commission right
to the salesperson is the concession. The concession to the
salesperson is one and a half percent minimum to a court,
you know, to the quarter, because i'll assume that's probably
a quarterly role.
Speaker 5 (37:25):
Everyone think about this, how much that really is in fees? A.
You have no chance of actually making money. B. Believe
it or not. You're naked with some third rate bank
underwriting this, and there are so many layers of sales.
Speaker 6 (37:42):
People before it gets to you.
Speaker 5 (37:43):
Yeah, this is so expensive, you'll have a heart attack
if you really saw it.
Speaker 3 (37:48):
But what it'll tell you too is what's really underneath it,
which is nothing, nothing nothing quite quite literally quite literally
got there's nothing underneath it. It's it's just air.
Speaker 6 (37:57):
It's just synthetic product, just pure, just.
Speaker 3 (37:59):
Pure, just pure synthetic. So that's gonna be the paunch
line at the end of that super good research note. Okay,
and and it you don't make it an excuse for
your broker to call. But they could never explain that.
I mean, under no, Circuman and.
Speaker 6 (38:11):
Dan, I'm only on page eighty seven of this.
Speaker 5 (38:13):
I have weeks of material over there of this yet
to drop on you, just to upset.
Speaker 6 (38:17):
You a little.
Speaker 3 (38:18):
Don't read it whilst your head is not you know,
not not fully shall we say, not not fully healed?
Speaker 6 (38:25):
If you will, I'm slightly unwell huh, well.
Speaker 3 (38:28):
But you but we play that, Mike. And that's a
way like guys. So again we reminder, if for no
other reason www dot Madison, M A D I S
O N Managers M A N A G E R
S dot com. Okay, use the tax box and let
us know again tremendous requests from you guys for discussions
(38:49):
around Pillar two, which is guaranteed income, guaranteed withdrawal, personal pension,
personal social security, whatever you want to call it. Okay,
and and and and and do you two point zeros? Okay,
so that's really been the draw the last couple of weeks.
So keep it up, keep it up, keep it up.
And again, guys, it's absolutely absolutely all all free nine.
Speaker 5 (39:11):
And Dann, we often forget The twenty twenty five Tax
Planning Reference Guide is gold.
Speaker 6 (39:18):
Everybody needs to have this.
Speaker 5 (39:19):
You need to know what's coming at you this year, right,
so it could start to be a little proactive rather
than reactive.
Speaker 3 (39:25):
And Mike, what what do we do on the show?
Always forward looking, always for you? Guys? Don't want to
look in the past. No one wants to. It's just
not gonna help. You can look at the past if
you want.
Speaker 5 (39:34):
So when you get your ten ninety nine or ten
ninety nine rs, all of that in the next I
don't know month, you know, four or five weeks and
you start to get Odjita looking at the tax as
you owe, you're gonna want the tax Planning Guide to
think about how am I going to change?
Speaker 6 (39:49):
Is going going forward?
Speaker 3 (39:51):
Right? Exactly? Exactly right, Mike. And when we say god, guys,
it's literally bullet what we like, we call it consumer grade.
Speaker 6 (39:59):
Right, it's right down our ally it's bullet.
Speaker 3 (40:02):
Point and it it almost fits on one page. And
it almost fits on one page. So again, guys, you're
gonna love consuming it. So many of you requested and
you said it's great, great, great, great great. So again,
if you don't have it yet, grab it, because again,
this is forward looking. It's not gonna again. This is
not meant to go with you to your tax preparer.
You know this year, this is meant let's get this,
(40:22):
let's get some plans that.
Speaker 5 (40:23):
Let's get better this absolutely, let's just say we have
a down year and it happens often. Yeah, if I
get text when my capital goes down in value, I'm
not pleased. No, that's when I get angry. So how
(40:45):
am I gonna make sure to prevent a taxable event
when the market goes down? And the answer is just
call us.
Speaker 3 (40:54):
Yeah, I'm gonna say this too when we talk about
pillar two and this. It takes some seasoning because we
are all absolutely all conditioned. As you would say, Mike
by the Wall Street Machine, I have to look at
my principal value. I have to look at my principal
I gotta stare at my principal value. If it's I
(41:15):
need it up. I need it up, I need it up.
Here's the point, guys, and so many of you who
are now invested in pillar two. Now you're realizing it
because you're getting your statements right, and you're seeing that
regardless of market direction, right, regardless, you're seeing that each year,
(41:35):
which means each day, right, if you want to break
it down, regardless of market direction, you're guaranteed income figure.
You're guaranteed with draw figure. Guys, it goes up, goes
up each year, each each year, each waking day. You
don't touch it, okay, And you heard that right, regardless
of market direction, right, why not put a piece of
(41:55):
that in your portfolio so you don't don't don't don't
have to literally get an upset stomach whilst going through
normal gyrations in the market, which are now becoming weekly,
bi monthly. It's getting a bit eerie, it certainly is, Mike.
Speaker 5 (42:16):
And when you have the pillars in place, DWN, you
can stop doing one more thing. What's that having a
look at your counts every day on the oh, but
you don't have to anymore.
Speaker 3 (42:25):
You put, Mike, you put you put that best okay,
And I think it all originated, right, it absolutely all
originated with pillar four, right, Mike, this all began with
pillar four. Right, pillar four meaning.
Speaker 6 (42:40):
It started im was the genesis of this.
Speaker 3 (42:42):
Right, I'm index man, I can be s and P
five hundred. I can be Nasdak, Right, I can be
Nasdak And if if if I want to be so
micro as to be year to year and picking my
level of downside that I'm willing to stomach, I can
(43:04):
do it, right, I can do it keep going that.
Speaker 5 (43:07):
But maybe I want one year, May I want some
protection out three years, Maybe I want some out for
a full market cycle.
Speaker 3 (43:14):
Absolutely, we can move.
Speaker 6 (43:15):
Those chess pieces around whenever we choose.
Speaker 3 (43:17):
But what I'm saying is what can be more micro
than that? Right? If I want to be as sophisticated
as the most sophisticated institutions out there, which is also
where this all began, Guys, the point is this, what
is more micro than that? Where I can be Nasdaq
in a particular year, protect my downside, right, protect my
(43:39):
downside to the level that I choose, and then I
can maybe I see opportunity in Russell, or maybe I
see opportunity internationally.
Speaker 5 (43:47):
And those are the conversations we're starting to have Oh
if doubtedly, if interest rates start to trend lower again,
maybe it gives a goose to the mid and small
cap guys. Maybe we want to start talking about that today.
But while we're talking about it, we're also saying how
(44:07):
much protection do we want at the same time.
Speaker 3 (44:09):
That's it, that's and that's Mike. You just now that
that is that is.
Speaker 5 (44:14):
What if everything doesn't work? What if the world just
doesn't work, the markets don't work.
Speaker 6 (44:21):
Let's keep our principle intact.
Speaker 3 (44:22):
But we just talked about it last week. Why are
we not using pillar four as a specialized component? Right?
What if I want to be all NASDAC. What if
I want to play all NASDAK Why not?
Speaker 6 (44:33):
Why not?
Speaker 3 (44:33):
I could put my protections in place, earmark whatever percentage
of my overall portfolio. I want that to be right,
Put it in place, and go and dance.
Speaker 5 (44:43):
Oh, I think earlier this week prove the point. Oh,
we never know what the catalyst is. It's always rear
view mirror. We never even heard of this company before
Deep Seek.
Speaker 3 (44:55):
Deep Seek, which guys, you didn't know how closely your
securities were linked to deep Seek because forty.
Speaker 6 (45:01):
All of them are now apparently.
Speaker 3 (45:03):
Linked fourteen of the S and P five hundred fourteen securities,
and the S and P five hundred alone went down
over ten percent on Monday, just one singular day. Guys,
If that's not an argument to talk to us about protection,
I think we do it best, guys, and we can
say that www dot Madison Managers dot com. We gotta
run cruise ship Music planning for prosperity radio hour cruise
(45:24):
ship Music. Great job, mister producer. Guys, get us on
the internet. Let's set that appointment. Let's get you in
the office. We'll meet you at your how whatever you like.
Come see Michael's gash whatever it is. Ouch, We'll see
her out
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