Episode Transcript
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Speaker 1 (00:00):
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is for illustrative purposes only and does not constitute investment,
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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 show
in three two here.
Speaker 3 (01:16):
But yeah, a very good Happy weekend, everyone, Dan Polanski,
Michael Brown, Managing director Michael Brown. I'm the users here.
Speaker 4 (01:28):
Oh, I'm liking.
Speaker 3 (01:31):
Yeah, good start. We like this dance music, family friendly, right,
we like this.
Speaker 4 (01:36):
I mean it's not your studio fifty four gangs rap,
but it's pretty good.
Speaker 3 (01:41):
I what, Michael, Your head is healing. There's no time here.
Your your open skull fracture is definitively healing. There's no question. Okay, yeah,
someone are happy weekend, guys. Best way to grab us
www dot Madison, m A. D I Son Managers m
(02:02):
A N A G e Ers dot com. You guys
have been great to us, requesting your DoD version two
point zeros for those of you who are unfamiliar. Simply put,
we are allowed to have opinions. In our opinion, it
is our best estate planning work ever. It is professionally bound,
it is bullet point, it is to the point it
will bring you maybe bulletproof, but well we know, we
know it's Miike great proof. Yeah, so if you can
(02:23):
stop some forms of radiation, it decides. I was going
to say it deserves a look just from that. So
guys request to you have been so great with respect
to getting these, not just for yourselves but Frans, the
Key Family Beneficiary Club.
Speaker 4 (02:41):
Whoever is the poor person that has to handle your
affairs when you're gone. Absolutely you're doing them a disservice
if you don't give this.
Speaker 3 (02:50):
To one hundred. One hundred and twenty five.
Speaker 4 (02:55):
Is twenty years ago. Dan, if someone asked me to
be a trustee or an executor, it fell like an honor.
Speaker 3 (03:03):
Oh boy, people just still don't know.
Speaker 4 (03:04):
Yeah, yeah, yeah, people don't understand.
Speaker 5 (03:06):
Is it's got worse it's a liability. No, it's got
actually gotten worse. Right, and that's part much much worse,
And Mark and Mike, part of that is society. Let's
be brutally honest. It's people. People have changed.
Speaker 4 (03:18):
No, the world is a litigious society. Different the slip
and fall every other uh commercial on TV. If it's
not about a new medication that has terrible side effects,
someone's to blame. It's a legal firm, absolutely that will
teach you how to sue somebody.
Speaker 3 (03:34):
Someone's to blame, ye, no question about it. So the
point being, guys, if you are again, if you are
an executor, a trustee, whatever happens to be, please at
least let us educate you the best way that we can.
And we can ensure you that this will not be
a trip to the University of Michigan Law Library. Will
not be that, although I'm sure they have never I'm
(03:56):
sure they have beautiful facility. We just won't get in
an arbor. We're not going to do that. Again, guys.
We call it consumer grade. It's how we like to
consume information. So again we give it to you that
way as well. So again, request two copies, street copies,
whatever it is. It's a free beat to you. How
many times in life do you hear that? And shipping
(04:16):
is free because these have to be consumed in the
original format. These are not for the laser guided things.
Speaker 4 (04:22):
No, no, no no. And after my little slip and fall,
I was teasing my brother who is my executor, my
healthcare directive, my power of attorney, all of the above,
saying it's a good thing I didn't go down, you'd
have to deal with all this. Now he's in this business, right,
so he understands the game. But can you imagine asking
(04:47):
your spouse or a good friend who has no idea
how treacherous this terrain is to handle your affairs for
your loved ones. You're dropping grenade down their shorts. No
is what you're doing.
Speaker 3 (05:02):
And again, guys, again, our goal is to educate. That's
what we do first and foremost here at Madison. It's
what we do best. So let us educate. They are
grab your copies of the DoD version two point zero,
recommend you getting two. We still have tax planning guides
from Nationwide available and now is the time. And that's
for twenty twenty five guys. That is that is not so.
Speaker 4 (05:25):
It pairs with that twenty twenty five tax guide from Nationwide,
which is fabulous. It pairs perfectly with our taxation guide
to Withdrawal and Income Sources that talks about what do
I pay Federal income tax on DAN? What do I
pay State income tax on it?
Speaker 3 (05:44):
Might?
Speaker 4 (05:45):
Where are the qualified dividends?
Speaker 3 (05:47):
Add up?
Speaker 4 (05:48):
Is this going to add to my adjusted gross income
for my total taxation? Is it going to put me
in the in the net investment income tax penalty box
of another three point eight percent. It's only going up. Hey,
I don't care if the tax law is from Trump's
day or place or not. Our tax rates are going
up everyone.
Speaker 3 (06:08):
Right, guys. And again we're going to get into some
separate discussions along those lines as well. And the other
thing that I want to thank you all for. You've
all been requesting a lot of information on Pillar three,
what we call Pillar three, and then version two point zero,
and it's been younger and younger adoption, which is.
Speaker 4 (06:29):
And you called this a long time thought and I disagreed.
Speaker 3 (06:32):
You did, and you vociferously.
Speaker 4 (06:34):
I did disagree, and I am acknowledging that I was incorrect.
Speaker 3 (06:39):
Yes, and I did think. I did think you were wrong. Yes,
I did think you were wrong with that. But again, guys,
for those of you the quick refresher on Pillar three
version two point zero, really, at the end of the day,
what it is is if you want to be growthy, right,
if you want to be valuated.
Speaker 4 (06:57):
People might not even know they are growthy without knowing it.
They think they own the value fund and it's Apple
in Nvidia, Meta, Google and Tesla. Those are not value names.
Now you own them, whether you think you do or not.
Speaker 3 (07:13):
I will summarize it maybe a little bit more succinctly.
You have a portfolio that we help you select, that
we can continuously change if we sow see fit, if
you sow see fit. Okay, you own a portfolio. At
the end of the investment term. If everything goes well,
goes swimmingly, congratulations, you keep hip hip parade, you keep
(07:34):
all the winnings, cartwheels, no haircut. Now here's here, So.
Speaker 4 (07:38):
Dan, let me say it. If my dollar turns into
three dollars, I get three dollars.
Speaker 3 (07:42):
Correct, Mike, very good, good, And and if it's after
tax money along the way, you were sheltered. You were
sheltered from taxes which your favorite funds always love to
kick out each year. As you're seeing now.
Speaker 4 (07:55):
You're getting right now in your mailbox.
Speaker 3 (07:57):
Now here's the flip side to this. Here's the flips side.
Should the world happen the world? Notice notice you said
nothing about markets as it's happening. Should the should the
world happen right at the end of it, meaning it's
burning at the it's burning, it's whatever it happens to
be at the end of the at the end of
your investment term, you are now listen, guys, you are
(08:19):
completely inoculated against loss, meaning you can't lose one nickel.
Speaker 4 (08:25):
So if the world, Dan were to replay the year
two thousand to two thousand and nine, perfect right, where
the markets were actually negative, perfect for the whole decade,
and my dollar would have been sixty cents, then perfect.
My dollar becomes my dollar again.
Speaker 3 (08:42):
Correct, cow, And let's let's I can run.
Speaker 4 (08:48):
So Dan, you're naked, your dollar sixty cents, I get
my dollar back, and I'm reinvesting it. When you're at
sixty cents.
Speaker 3 (08:57):
Next level, guys, that's next level. And that's where again, Mike,
I think it's just I don't know. I think that
why I thought it would be a younger set that
would first adopt this and you brought this up is
they've been through it.
Speaker 4 (09:14):
They saw it in the last ten years, exactly right.
They've actually witnessed real markets.
Speaker 3 (09:20):
They they lived twenty twenty two. They saw the hit
that that had on their portfolios.
Speaker 4 (09:26):
They saw these quote unquote wink save funds get crushed.
Speaker 3 (09:31):
And it's not just that, Mike, it's that if they
happen to play along in the manias, right those uh
you know those meme stocks, memes stocks whatever you want
to quantom computer want if you they got hit very hard, Mike.
So they respect principal protection, but they want the growth.
They want it all and guess what and we could
(09:52):
get it, guys, So go to break Dan Polanski. Mike Brown,
Managing director Mike Brown. Guys, grab more information on Pillar
three version two point zero. Have your d O D
version two point ohs it's w W W dot Madison
m A D I S O N managers with an
s dot com. We'll see you right back.
Speaker 2 (10:13):
You are about to experience the planning for Prosperity show
in three.
Speaker 3 (10:30):
Managing director Michael Brown.
Speaker 4 (10:31):
At the risks like a Ritz Cracker. He's a one
hit wonder guy.
Speaker 3 (10:38):
Taco Are you kidding me? Are you kidding me? This
person names? I do like taco, love taco.
Speaker 4 (10:46):
I don't like desk.
Speaker 3 (10:48):
You would like a singular taco too. It's not so bad,
but this is kind of working backwards a step back right,
Happy weekend, everyone, welcome aboard the cruise ship The Politic
for a Sperity Radio Hour cruise ship. We're so proud
to be with you. You guys know, we keep this
very simple. Respect our reps. For no other reason to
(11:08):
give us a call, give us a shot. We are
here working for you all the time, full time around.
Speaker 4 (11:15):
I had to sit here and watch me stuff my
face with my breakfast.
Speaker 3 (11:18):
Yeah, exactly right. Michael had to glomb down his toasty.
So we are here. We are fully fueled. Mister producers here,
everyone is here, guys again, big thank you for all
of you requesting do D version two point ohers.
Speaker 4 (11:31):
Wait, Dan, would you call that ty fusha?
Speaker 3 (11:35):
My eyes are so bad now, I'm like, I don't
even know when it plays with your eyes to begin
with you, I'm not sure what that is. There's no
way to describe that over the radio. Yeah, other than yeah, yeah,
we like it. I mean you kind of sassy. Yeah,
it is is a little sassy, mister producer, very very
very nice. So guys again, big thank you. Do D
version two point ohers. Rob loves to get those out
(11:58):
to you guys. They're free of charge. Stack them up, one, two, three,
whatever whatever you want again, shippings free. There's none of that.
They come right to the doorstep www dot Madison, m
A D I S O N Managers m A N
A G E R S dot com. And also also
we brought this up in the first segment if you
(12:19):
missed it. Again, we're talking Pillar three, version two point zero,
and we're talking adoption. Okay, we're talking you guys, adopting this.
And again because it's so easy to embrace. Well, and
here's the first week where we really got the feel
of this. Right, it's my career. As we always say,
the world happened, right, the world happened Walmart.
Speaker 4 (12:41):
And it's happening in a fairly dysfunctional manner.
Speaker 3 (12:44):
And we can say this, guys. They reported Walmart reported
earnings this week, and they made the mistake of mentioning tariffs.
And again they will be dealing with tariffs apparently, as
we all will, as we'll all publicly traded companies, which
again made the market a little bit shall we say, agitated, Michael,
But that's what happens. That's the world happening, that's a
(13:06):
Walmart happening. That's the world happening, and that's going to continue.
So when we talk Pillar three again, Pillar.
Speaker 4 (13:15):
Three, it allows us to not care.
Speaker 3 (13:18):
Well, said Mike, really it really.
Speaker 4 (13:20):
I'd like to focus on other things. I'd like to
focus on my kids.
Speaker 3 (13:23):
Well, well done, Mike.
Speaker 4 (13:24):
I like to focus on my gunsmithing videos. So many
rather than this nonsense. So many this is what our
business is, but it's nonsense.
Speaker 3 (13:33):
But so many of you who have started Pillar three
with old four oh one k's old IRA's things that
have literally literally been nearly forfetten about and totally totally
forgotten about, not looked at, et cetera, et cetera, because
what pillar three again, If you so choose, if you
(13:53):
so choose, you can literally select one of the world's
largest hedge funds depending on a minute, right, you can
literally put one hundred percent of those dollars in that
if you so choose, right and let it go, let
it rip.
Speaker 4 (14:09):
And the difference Dan is in some of the things
we talk about. We can get a guaranteed way to return,
but then our gains are limited. We call it a
cat a ceiling. Right with pillar three, if there is none,
there is none, no guy, this guy's a limit.
Speaker 3 (14:27):
Absolutely.
Speaker 4 (14:28):
Well, if the world keeps spinning and the market rolls,
you're all in, yeah, absolute, And at the same time,
if things get a little ickier, we get our dollar back.
Speaker 3 (14:43):
And the one thing and this goes along, guys that
we have to mention it only because it's become Mike,
as you mentioned in our first segment, it's become more
and more focus. And rightfully so, Guys, if you're using
after tax money in this pillar.
Speaker 4 (14:57):
Three and you're not tax deferring things, you're tax but
that's the point, just total giving money away, you're totally
tax deferred.
Speaker 3 (15:03):
Tax shows or whatever you want to call it.
Speaker 4 (15:05):
When everyone's going to their mailbox right now, Dan, everyone's
shaking a little bit.
Speaker 3 (15:10):
Oh, absolutely, waiting for.
Speaker 4 (15:11):
That terrible, terrible ten ninety nine, the show up, absolutely
for a losing investment that you owe taxes on. And
they're called bond funds. And I again you said this,
we have opinions. My opinion is their garbage and they
have been for decades and to no fault. It's not
the manager's fault.
Speaker 3 (15:31):
That's the key, Mike. No one's saying these managers.
Speaker 4 (15:34):
Bond guys are always considered the smartest guys in the room. Absolutely,
but they have constraints and when you tie their hands,
they can only do so much. When the backdrop is
so ugly for.
Speaker 3 (15:45):
Them, and Mike we talked about this, and the real
wake up call for everyone I think was twenty twenty two, right,
But because that's not your wake up call, not because
well they went boom one hundred percent. It was again, guys,
by definition, depending on how far back you want to
bring the data. Literally, the worst year.
Speaker 4 (16:00):
You want to go back to, twenty eighteen, go not
so pretty, go back twenty twenty two was an enplosure.
Speaker 3 (16:05):
However far you want to go back, guys, Literally, if
not the worst, it's right up there in the top
two worst years for credit markets bond markets in the
history of bond markets. And we'll talk about that.
Speaker 4 (16:16):
And yet Dan, I get and I don't think I'm
exaggerating at least one email a day from these bond
fund managers that are starting new, brandy new funds, of course,
because they don't want anyone to look at their track
record of how awful the last decade was for their shareholders.
So make no mistake, everybody, these new ETFs, these new funds,
(16:40):
all they're doing is repackaging the nightmare that they gave
everyone for the last decade.
Speaker 3 (16:45):
Yeah, yeah, and that's what it is. Mike.
Speaker 4 (16:48):
Now, it's smart marketing. And we say it all the time, Right,
wall Street's the best marketing firm ever, ever invented ever.
This stuff is toxic.
Speaker 3 (16:56):
Literally, you could make an argument that Wall Street's invented
quite literally invented a life retirement.
Speaker 4 (17:05):
Yeah.
Speaker 3 (17:05):
I mean that's where were That's where I was going back,
And we've said that before on these airs, and these airs. Incredible,
it absolutely is incredible. So what we like to talk
about because a lot of you come in, a lot
of you come in to have chit chats and you say,
you know, Dan, the one area where I really don't
have monies, I don't have moneies in bonds, I'm one
(17:26):
hundred percent equity. That's are But that's the risk, Mike.
But but but to the point, if you were that
far on the spectrum, right, that far over to.
Speaker 4 (17:37):
Hey, So so we're gonna suggest you were correct, you're
one hundred percent equity.
Speaker 3 (17:40):
Okay, let's say a hundred Let's say you are one
hundred percent equity. Okay, Right, let's say you are one
hundred percent equity. Guys, we can continue that, right, we
can provide you continuing without.
Speaker 4 (17:50):
Being in the casino.
Speaker 3 (17:51):
Well, that's the key, MinC.
Speaker 4 (17:53):
That's let's get away from the crabs table. But you
still have the opportunity for growth. But the house is
not going to take your money, not under our watch.
Speaker 3 (18:01):
I think Mike, you do the best job of explaining this,
because I think what everyone has to realize is that
when let's say you're a retiree of XYZ company and
you are getting a quote pension, right, you are getting
pension dollars. The number of corporations that still manage a
(18:25):
pension fund for I can't think of one. It's not
off very few, right, So what do they do? Guys?
They do nothing other than what we talk to.
Speaker 4 (18:35):
About subcontracted out to pillar two.
Speaker 3 (18:38):
It's pillar two. It's pillar two.
Speaker 4 (18:40):
That's what they do.
Speaker 3 (18:41):
And what they're looking to do is not necessarily what
you're looking to do. In that what you should be
looking to do is, Hey, if this pension fund, if
they want to give me a lump sum of money's yes,
I'd like that, make it mine, right, That's number one.
Speaker 4 (18:56):
Because I can. I can be in control, I have
a health event and I can access it. Make a
family member is in trouble, I can help them absolutely.
And then what you allow us to do is you
allow us to shop from amongst all of the A
rated providers. Notice what I said there A rated providers, right.
Speaker 3 (19:18):
Meaning why look anyway? Why risk right exactly?
Speaker 4 (19:21):
And I don't want the you know, indianapolish national life
with my money.
Speaker 3 (19:26):
Absolutely and decide what fits your needs.
Speaker 4 (19:32):
Right, It's that's wait or keep going, right. So maybe
I'm in my sixties, m h if I stay with
the company pension plan, the pension is the pension is
a pension. Maybe I don't need all that money just yet.
And I'm gonna start taking Social Security and I let
my pillar to money bake. You're speaking to speaking, so
(19:57):
I'm not ready to take So I'm gonna let it bake.
Speaker 3 (20:00):
You're speaking guys.
Speaker 4 (20:01):
Even if the market goes down, my check next year
is guaranteed to be higher than what it was today.
You're the longer I let it bake, the higher my take.
And I'm not being silly here.
Speaker 3 (20:12):
And Mike, well, wait a minute, let's take a step back, Mike.
What happens. Let's think about this, is that what happens, Mike,
if you have a stellar year in the markets in
your portfolio and whilst right whilst you're allowing your check
to bake, as you would say.
Speaker 4 (20:31):
Well, if the market goes up fifteen percent, my check
goes up fifteen percent.
Speaker 3 (20:36):
But if the.
Speaker 4 (20:37):
Market goes down, my checking go up six seven eight percent. Guys,
it's a win with This is.
Speaker 3 (20:43):
The reality of pillar two again. Let us educate now.
The key is now walst rates are still a shade
artificially high, shall we say, let us educate now. Best
way to get give materials and or have your chit
chat www dot Madison Managers dot com. It's www dot
M A D I S O N M A N
(21:06):
A G E R s dot com. Just go to
the tax box. Let us know you want the educational material.
In the meantime, grab your D O D version two
Bueno's select two of them. Please say I would like
to and I would like them shipped to such and
such a dress. It arrives free of charge. And guys,
it'll help, it really will. We'll be right back.
Speaker 2 (21:29):
You are about to experience the planning for Prosperity show
A three two cheer.
Speaker 3 (21:43):
Good song, I don't know sings it, very good song.
Good job mister producer, Happy everyone. Daniel blase me, Michael Brown.
This will upset Michael Brown. You gotta crank this, guys,
if you're in your car. Rock set. Oh yeah, very good.
What I didn't think this is Rocksett. Actually this is
early rock set. I did not think that was rock set.
Very good, nice stuff, very good. Well two out of
(22:06):
three were excellent. Well no, no, let's say let's say one
was excellent.
Speaker 4 (22:09):
One rot.
Speaker 3 (22:12):
Yeah, this doesn't play by the pond. Colets. We all
know Michael Brown's the way here, guys. Michael Brown is
at the pond. He's he's got the cruise ship. It's
pulled up to doc. What you're going to do right
now is put him to work. It's www dot Madison
Managers dot com. Www dot m A D I S
O N Managers m A N A g E R
(22:34):
s dot com.
Speaker 4 (22:35):
I'm not gonna participate this a second.
Speaker 3 (22:37):
Go to do problem, Go to go to the go
to the textbox. Everybody, grab your DoD version two point
zero is. You've been doing great with that, and we
really really appreciate. This is what it's all about, guys.
We want to grow the ecosystem, right. We make no
bones about.
Speaker 4 (22:55):
It, like any business do you want to grow the practice.
Speaker 3 (22:57):
And you know what, guys, as you know those of
you are on cruise ship already, we always say please
and thank you. You notice we say that on these
airs as well. Let me know the next time you
hear that, So this will be the first in a while.
The point is this, guys, go grab your d D
two point zeros right on the website. Let us know
where we can send them, how to send them, et cetera,
et cetera.
Speaker 4 (23:18):
But think about this, Dan, you're you're my father, all right,
I'm going to be your executor. Okay, you pass away. Right,
it's a rough couple of days. All right, we have
to do the burial arrangements and all that jazz. Now I'm
on the ocean by myself. What do I do? Who
(23:39):
do I go to first? Who do I call? What
am I supposed to do?
Speaker 3 (23:44):
I know? What do?
Speaker 4 (23:44):
What do I do to the I R S? My investments, taxes,
the legal? Where do I start? Well, the d D
two point zero is your starter.
Speaker 3 (23:54):
Perfect, Mike. That's exactly where you got Guys, that's exactly
where you go to start, right exactly right. Some listen,
some may decided to do it themselves, right, some decided
to do with themselves, and what they'll use is the
estate planning timeline, right, Mike, where it's spelled out you may.
Speaker 4 (24:10):
This is step one, then two, then three, then four
and it also acts. So I'm one of four kids, right,
and there's no money family money, but one of my
siblings would want to know where every penny goes, of course,
and when it goes and who it goes to of
(24:30):
course and why yes, of course. So this is going
to the d D two point zero is going to
teach me how to educate and communicate to the other
people in the beneficiary club that A I'm not stealing
the money absolutely, and B this is these are the
steps we have to take.
Speaker 3 (24:45):
Yeah, yeah, no, so bear with me. No in there,
I can't.
Speaker 4 (24:49):
I can't do number three until we do number one.
Speaker 3 (24:51):
No question, guys, no question.
Speaker 4 (24:54):
Every family has that dynamic, whether you want to believe
it or not. It's there in every family.
Speaker 3 (24:59):
No if I's or boughts about it, guys, that's what again.
Speaker 4 (25:04):
Always anywhere it comes from, Dan, it's always the one
person that beneficiary club who plays nonchalant.
Speaker 3 (25:11):
Eh, what have they? I don't care?
Speaker 4 (25:13):
Right, right, right, no big deal. Oh oh, they're gonna
be the chirping bird. Absolutely, they're gonna they're gonna be
the problem. So to deflect and defend yourself, if you're
gonna be the executive trustee, all that, you gotta have this.
Speaker 3 (25:30):
No, absolutely, one hundred, one hundred and twenty five one
and twenty five percent, Mike, Guys, it's free of charge.
You know that. We say please and thank you for
you consuming it. So again, that's what we want, grow
the ecosystem, spread it out, and that's how that's what works. Mike.
I'm gonna say this could be this could be a
(25:50):
little bit of a change for people this week. And
did anyone It's always and I'll say this, it's always
on a holiday week. It seems to be that when
no one's paying at and et cetera, et cetera. It's
always when earning season is almost over right, that sort
of thing. When you get something like Walmart this week, right,
when you get something like Walmart where they reminded the
(26:13):
world that they're gonna have to deal with tariffs. They're
concerned with this situation, that's not guys, make the mistake.
It's not political. We only tell We only don't political
because it's when it impacts money, correct. And what it
also does is it plays perfectly to three out of
our four main pillars, right, main pillars which we believe
(26:38):
should sit under your investment plan.
Speaker 4 (26:41):
Right.
Speaker 3 (26:42):
We can educate to that and show you why we
believe that.
Speaker 4 (26:45):
And so so let's just be very simple. The theme
out of actually four out of five is having some
form of protection. That's the that on your heart money.
Speaker 3 (26:57):
That's it. That's it. And you know, listen, you know
my favorite Mike, my favorite guys, I am. I am
a sucker for pillar two. I'm a sucker for pillar
two because, as we mentioned in a previous segment this week, guys,
it's very simple because pillar two is the pretty girl
to dance if you're right. Listen, guys, as long as
you're willing to be hands off, you will have a
(27:19):
benefit that a cruise to you literally each and every day,
regardless of what happens to the world. Notice we didn't
say markets. Notice Notice we're not tobably about normal market iterations.
That's for everyone that wants to argue, hey, you've got
to be in what we call pillar one. You've got
to be all in you got a swim.
Speaker 4 (27:39):
Make its naked market.
Speaker 3 (27:41):
It's naked market because quote, it always comes back. Absolutely,
even if you have a down decade, as Michael pointed out,
even if you go through a rough bond decade, as
Michael pointed out, it's great, you're told it's great. We're
not saying that you shouldn't have a slice of Pillar one.
I do we, Mike, we all do it. And but
(28:02):
Pillar one is, in our opinion, the way we think
about it, it's designed to be complementousy.
Speaker 4 (28:12):
Jes, that's where you own the stocks of the companies
that wear the black hat. Why, that's where you get
your bad guy positions.
Speaker 3 (28:20):
You want your gold fabulous right, Fuck, we've talked about Mike,
We we talked about gold so far before these commercials.
Speaker 4 (28:28):
Do you want your crypto? You want your quantum computing?
Speaker 3 (28:31):
What have that? You want Google, Pamazon, Freifhrosoft, you want
all of those terrific That is Pillar one, guys, that
Pillar one.
Speaker 4 (28:41):
But you need a permission slip first. It's not and
that's having the protection as your permission.
Speaker 3 (28:45):
Slip absolutely right. It is not designed to hold one
hundred percent growth fund of Mississippi right next to the
Bond Fund of Mississippi right in there with the Balanced
Fund of Tennessee.
Speaker 4 (28:58):
Where they didn't make you any munch me and they
just sent you a tax bill. It's it's in your
mailbox right now.
Speaker 3 (29:04):
But Mike, even if these guys kill it, and we
always say this, guys, you gotta understand, you gotta understand it,
and we again, I think it's starting, it's starting to permeate,
it's starting to break through. Even if you want to
own those names, we can. We can just put a
even if even if you don't want principal protection for
(29:25):
whatever reason, if you don't want it, if you don't
want a guaranteed listen, if you if you don't for
some reason, if you can say I can't stop from laughing.
If you don't want principal protection, if you don't want
a guaranteed withdraw dollar for the rest of your life,
if you don't want it, do it for your family.
It's built in estate planning. These have what we call
(29:47):
full death benefits.
Speaker 4 (29:50):
On and contractual beneficiary designation, no probate, no attorneys, built in,
no accountants.
Speaker 3 (29:57):
Mike, explain what that means. Again, Listen, even if you
say I hate principal protection. I absolutely hate having guaranteed
dollars showing up on my mail box. I hate all
of it. I hate, I hate what these are guys,
these guys are talking about. But I do love my kids. Michael.
Let's pretend we are in again. Let me just pick
(30:19):
pillar three. We're in pillar three. I put one hundred
thousand dollars to work. The market happens, one hundred thousand
goes to eighty thousand. I pass away, right. I hate
Mike and Dan, but I love my kids. What does
that individuals? What amount of money do does that person's
kids receive? Michael, let me put it in this perspective.
Here's the phone call I get to make. I'm very
(30:42):
sorry for your loss. It's a difficult time. I understand that.
Here's the good news. I'm gonna make all the problems
go away. There's no courts, there's no attorneys, there's no accountants,
and you get all your money back and there are
no arguments. There's no arguments.
Speaker 4 (31:00):
If I'm in that position, man, where I'm already you know,
mentally crushed. I just lost a loved one. That's a
phone call I want to get.
Speaker 3 (31:08):
Well. How about how about this one too, Mike, how
about this one? And again this is this will be
down the road, but down the road becomes Hey, your
your dad just did something really special for you and
really speak and really smart because guess what, guys, markets
are down and you're getting all of Dad's money back
(31:30):
to put into those down markets so that you can
now have a better chance of earning a greater return
than your neighbor would have and that potentially can help
you and your family. That's how much Dad care that.
Speaker 4 (31:44):
That's what you and I would like to see happen.
Absolutely now what really happens for a pretty good majority
of the time. As Mike, Dan, I'm so happy I'm
getting the full dollar back, not the eighty cents. I
got a kid and college right my basement just flooded,
I need a new roof. I need cash. Can I
(32:07):
just get the cash? Always and the answers yes, we'll
get it to you tomorrow.
Speaker 3 (32:12):
It's that as you say, it really is. It really is.
Speaker 4 (32:15):
No, Because Dan, you and I are always thinking in
a very macro way, the next move in the chess game.
What are our options? How do I bail? How do
I go? How do we put the foot on the
gas pedal whatever. A lot of kids, you know, if
it were my kids, they could use some cash right now, Handy,
good news is you get you're gonna get the full
(32:37):
dollar back. Here you go and pay for whatever you
need to pay for.
Speaker 3 (32:41):
Other interesting thing, Mike, that we could go off on,
but we're running out of time, guys. Is the phone
call is made by Michael myself, our team. You're not
talking to the one eight hundred.
Speaker 4 (32:53):
You're not sitting on hold for forty five minutes hoping
to get someone who's English is their first language and
not not being disrespectful. It is who can actually help
me and then bounce me to another department.
Speaker 3 (33:06):
Guys, let us let us start with the education we love.
When you request the educational materials, best way to do
it is www dot Madisonmanagers dot com. That's m A
D I S O N m A N A G
E r s dot com. Use the text box. Let
us know literature on pillar two, Pillar three, Pillar four,
even pillar five d O D version two point zero.
(33:28):
If you want it all, just let us know. We'll
be right back.
Speaker 2 (33:35):
You are about to experience the Planning for Prosperity Show
three two.
Speaker 4 (33:45):
Us way, Ryan, what is going on here? This?
Speaker 3 (33:52):
This will disturb you? This would be yeah, yeah, yeah,
this is great. This is like some like military mental
some sort of study, I thing, some sort of psychological
We had a sock cop. Let me say, who is this?
Mister producer? Who is zu Ryan, Dan Plancy and Michael
Brown managing your cherry pop and Daddy's Oh yeah yeah,
(34:14):
and Grammy we should Michael happy again. Welcome aboard the
cruise ship Madison Wealth Managers for the win. Guys, here
is where we're gonna start. If you guessed that the
theme was mister producer's outfits, you have pulled a stunner
(34:35):
for you.
Speaker 4 (34:36):
I'm not pleased with a couple of selections, but I
am pleased mister producer. His wardrobe is getting tighter.
Speaker 1 (34:44):
The game.
Speaker 3 (34:44):
It's in the coast again. I mean when he was
you know, when he weighed fifty pounds less for the wedding,
I mean it looked a little silly, didn't it. I mean,
you know, when you could wrap the tie around his
neck forty five times, I mean it looked a little silly.
But thank you, miss Mary. That came from mister producer admits.
Speaker 4 (35:05):
Hells hypathetically at mister Producer's wedding, yes, which I attended
and you did. They did these little group photos and
I thought it was appropriate to sit on mister Producer's
lap during the photo. It's like you're sitting at a skeletons.
Speaker 3 (35:21):
Oh no, no, no, that wasn't right.
Speaker 4 (35:23):
It's like those poor kids in the desert that they
were shipping rice to. That's what he looked like.
Speaker 3 (35:27):
Yeah, no, he was bad. It was bad news, guys,
and we're gonna remind you. Thank you so much everyone
as Mike as Mike literally falls over laughing in his chair.
Www dot Madison Managers dot com. Guys, that makes all
the difference in the world. Requests the DoD version two
point zero. Please thank you, and we know you will
benefit from it, and we are allowed to say that
in the family. And if you don't benefit, let us know,
(35:48):
let us know how we can improve because we we
we take a.
Speaker 4 (35:51):
Lot of what we do is based on the nation. Absolutely,
and I love when we get the calls saying what
have you thought about this? Or can you do something
about that? That's how this stuff develops. That's exactly and
Dan going to turn boots on the ground. That's what
it comes from. Real world, real world. It's not the hypotheticals.
(36:13):
This is what we see day in and day out.
Speaker 3 (36:14):
It's that it's that simple, guys. And also, real world
has been your adoption of Pillar three version two point zero.
And guys, this week's the greatest example. Right. It's a
sleepy holiday week, right, Mike, sleepy holiday week. You're told
nothing's going on until a company called Walmart reports earnings.
And what they did. They made the mistake of telling
the truth. Okay, they told the truth about what are
(36:37):
they thinking there? They made the mistake of telling the truth. Guys.
This is what Mike talks about. Okay. These companies are
incredibly especially in today's day and age, they are incredibly
good at controlling what they can control. They can run
their cruise ships. Okay, But in today's day and age,
(36:57):
as Michael always points out, the world happens. The world happens.
We're not talking about stops, We're not talking about the
iterations of mother market. We're talking about the world imposing,
imposing and or bringing a term to the forefront known
as TERRORFF.
Speaker 4 (37:17):
So, Dan, here's my question to you. Okay, will tariffs
be everybody's new crutch. Oh, anytime they stubb their toe
because it's at the fallback pay.
Speaker 3 (37:30):
So you know what it's gonna be, Mike, You know
what it's gonna be. What it's going to be To
your point, Mike, to your point is team minus and guys,
we're getting out of earning season. Now, we're getting out
of earning season. However, however, the really good news is
in the beginning of April, it's gonna start up again. Okay,
that's when you're gonna get here. To Michael's point, when
(37:50):
you start to see your favorite companies, right, your favorite
company's down five to ten, maybe even fifteen percent after
the report earnings, you're going to get to see how
something they have no control over zero zero zero impacts.
Now notice my choice of language here impacts their narrative.
Speaker 4 (38:08):
And then the question is going to be when we
hear someone reporting their earnings, right, they're doing their their
conference call, and for everyone listening, every quarter when a
company reports earnings, they have an investor conference call, which
is like pulling teeth. It's not my thing, Dan loves
them item. My question is going to be companies that
(38:30):
really aren't hurt by the tariffs get to somehow sneak
that in. If they have a bad quarter.
Speaker 3 (38:38):
It's because of the narrative changes, right, narratives.
Speaker 4 (38:40):
Right, somebody else's terrors cause problem. You're going to hear
this ad nauseum.
Speaker 3 (38:46):
No different than we were riding the wave. To the upside, guys,
right to the upside. Every script had the term artificial intelligence.
Oh yeah, a to the point where in certain calls
it was mentioned upwards of one hundred times. Okay, this
is all carefully scripted. But to Mike's point, this is
(39:09):
bound to cause some turbulence, write some turbulence.
Speaker 4 (39:14):
Or justify correct single stock risk turbulence.
Speaker 3 (39:18):
So the point, maybe this the point? Maybe this, If
I'm sitting there naked right now, maybe it's not a
great time to do so. Maybe it's a time to say, hey,
I listen to Mike and Dan. These guys, they're please
and thank you. Guys, they're busting There are butts for
me literally every single day, every single weekend. How it
(39:39):
doesn't matter, guys, you guys know this. Okay, I want
to have a conversation. I want to have a conversation,
even if it's nasty or me And we said it, guys.
If you miss last if you missed what was it?
Segment three? If you miss segment three, guys, I would
recommend listening to it because it actually is laughable when
you say it out loud this way. If you don't
(40:01):
like principal protection, you hate it. You hate guaranteed withdraw
dollars showing up in your in your I can't do it.
You hate guaranteed withdraw dollars in your mailbox. You may
have someone in your life that you love, Okay, that
you love.
Speaker 4 (40:18):
Let's go further. You might have brought some people into
this world. It's your obligation.
Speaker 3 (40:25):
Well done, well done.
Speaker 4 (40:26):
And my kids, I love them, I hate them. I
want to hug them, I want to kick them. All
of the above. They're my obligation. And I don't think
they're going to be hyper wealthy in their chosen fields.
So my job is to make sure the world doesn't
take their money away from them.
Speaker 3 (40:40):
And that's the key, guys. If for no other reason
to have the discussion, let us educate on what we
educate least on on these airs, which is the full
death benefit protection to your errors. The seamless is state planning.
Seamless is state planning, which.
Speaker 4 (40:59):
I days, not not months in the probate court.
Speaker 3 (41:03):
Oh days, it's Instantana, I mean, should you want and listen?
And I will throw this on because I think it's
so critical in today's day and age. Guys, if for
whatever reason, if it's not us, if you don't like
the if you don't like the sound of my voice,
if you don't like Mike's hair, whatever it is, make
sure you get yourself an account representative. We want it
(41:25):
to be us. We feel we deserve it, and we
will say that we deserve we deserve the shot at
your business. Okay, here's the point. Even if it's not us,
Ask miss Jane, who's listening right now, Miss Jane. Ask
Miss Jane about how many times her husband passed away? Right,
her husband passed away. It wasn't wasn't well, wasn't a
well man? Husband passed away. Ask her how her conversations
(41:49):
went with the major insurance company who simply was expected
to pay a simple death claim. Ask how those conversations went. Okay,
good luck and guys, and have patience. Now you know
you're going to go through twenty prompts.
Speaker 4 (42:06):
Right, and this is and then sit on hold before
you speak to someone in the South Pacific.
Speaker 3 (42:11):
This is not a testament to us. This is not all.
We're the best ish and we'll get you the money,
the fastist and we do it all the time, guys.
This is what we're trained to do. I think more importantly,
we care Mike. It's guys. It's that's why we say.
Speaker 4 (42:27):
Someone calls me and says mom died or dad died, everything.
Speaker 3 (42:31):
Stops almost any and now it's.
Speaker 4 (42:34):
Time to take care of that situation.
Speaker 3 (42:35):
And that's the key to Mike. And we don't point
this out enough. Almost every single financial asset in today's
day and age, you can attach a representative too. Quite nearly,
quite nearly the.
Speaker 4 (42:45):
Should let us be again, it's easier to keep going
down this path and hoping that the big casino in
the sky sock market bails us out. I'm just scared, Dan,
what are the next ten years? Are awful?
Speaker 3 (43:01):
I don't get Mike, just miserable. Listen, I'm gonna tell
I'm gonna tell you this, guys. I obviously listen. I
root for the markets, obviously, I root for every kay.
I root for the growth guys. Especially Okay, I'm predisposed
to that again for a variety of reasons that we
can discuss off are. Here's the bottom line though, every
(43:23):
single one of us, right, Mike and Amy, you know this.
You sat down for breakfast, You sat down for breakfast
last week. How good does it feel when you actually
have a plan that you didn't have in place before
you had a pancake right before you had a pancake
with cousin Dan, where you have a plan where you
(43:45):
literally can understand Mike Brown, Mike Brown alway says he
can get it within pennies. I agree, you can. But
now they know if they contribute X y Z into
their Pillar two vehicle of choice, right it happens to be
our favorite right to vehicle choice. They know what they
can enjoy for the rest of their natural.
Speaker 4 (44:05):
Life type, whether that be a year from now, two
years from now, five years, or ten years. We can
give you the worst case scenario and it's probably gonna
be better, but we can give you the worst.
Speaker 3 (44:17):
And you know, you know, you know what Mike did
previous to this, and he actually asked, he said, Dan,
He said, Dan, I would do a testimy I said, Unfortunately,
can't do testimonials. You know, et cetera. He said, do
you know what he did? Mike, He listened to the show,
loves the show. But he finally came in again like
everybody else came into some money. Okay, but here's the cattle.
But here's the point. You know what he did first?
Four one kai any meanie miney mo. Yeah, it's got
(44:39):
a joke.
Speaker 4 (44:40):
And you know, I have this menu, like I'm sitting
at a sushi place and I'll have the California roll
with thirty percent and the Philadelphia role for twenty percent.
Speaker 3 (44:48):
And I hope it all works out. Now after the
pancake with cousin Dan, the pancake's good, good pancake. But
after the pancake, the plan is in place. The plan
is in place. Yes, it's just a matter of following
the plan. Guys.
Speaker 4 (45:03):
They tell you what if you're and if you're over
fifty five and you have money in your four oh
one k, give us a call, oh, because we might
be able to get it out of there until it better.
Speaker 3 (45:11):
Absolutely, guys, we are, we are. Gosh, that's hit. The
show's over. Happy weekend, guys, that went fast, mister producer.
Thank you for the music, Thank you Mary for the suggoptions. Guys,
if you want to have the pancake, we highly eat
Michael will if you make them in the office www
dot Madison, M A, D I, S O N managers
(45:32):
dot com. Again, let us educate, get your educational materials.
But most importantly, guys, if nothing else, dood version two
pin O go right there, right now, use the textbox.
At least grab two of them. We'll see you in
the office.
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
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Speaker 2 (01:03):
You are about to experience the planning for prosperity show
in three two here.
Speaker 3 (01:16):
But yeah, a very good Happy weekend, everyone, Dan Polanski,
Michael Brown, Managing director Michael Brown. I'm the users here.
Speaker 4 (01:28):
Oh, I'm liking.
Speaker 3 (01:31):
Yeah, good start. We like this dance music, family friendly, right,
we like this.
Speaker 4 (01:36):
I mean it's not your studio fifty four gangs rap,
but it's pretty good.
Speaker 3 (01:41):
I what, Michael, Your head is healing. There's no time here.
Your your open skull fracture is definitively healing. There's no question. Okay, yeah,
someone are happy weekend, guys. Best way to grab us
www dot Madison, m A. D I Son Managers m
(02:02):
A N A G e Ers dot com. You guys
have been great to us, requesting your DoD version two
point zeros for those of you who are unfamiliar. Simply put,
we are allowed to have opinions. In our opinion, it
is our best estate planning work ever. It is professionally bound,
it is bullet point, it is to the point it
will bring you maybe bulletproof, but well we know, we
know it's Miike great proof. Yeah, so if you can
(02:23):
stop some forms of radiation, it decides. I was going
to say it deserves a look just from that. So
guys request to you have been so great with respect
to getting these, not just for yourselves but Frans, the
Key Family Beneficiary Club.
Speaker 4 (02:41):
Whoever is the poor person that has to handle your
affairs when you're gone. Absolutely you're doing them a disservice
if you don't give this.
Speaker 3 (02:50):
To one hundred. One hundred and twenty five.
Speaker 4 (02:55):
Is twenty years ago. Dan, if someone asked me to
be a trustee or an executor, it fell like an honor.
Speaker 3 (03:03):
Oh boy, people just still don't know.
Speaker 4 (03:04):
Yeah, yeah, yeah, people don't understand.
Speaker 5 (03:06):
Is it's got worse it's a liability. No, it's got
actually gotten worse. Right, and that's part much much worse,
And Mark and Mike, part of that is society. Let's
be brutally honest. It's people. People have changed.
Speaker 4 (03:18):
No, the world is a litigious society. Different the slip
and fall every other uh commercial on TV. If it's
not about a new medication that has terrible side effects,
someone's to blame. It's a legal firm, absolutely that will
teach you how to sue somebody.
Speaker 3 (03:34):
Someone's to blame, ye, no question about it. So the
point being, guys, if you are again, if you are
an executor, a trustee, whatever happens to be, please at
least let us educate you the best way that we can.
And we can ensure you that this will not be
a trip to the University of Michigan Law Library. Will
not be that, although I'm sure they have never I'm
(03:56):
sure they have beautiful facility. We just won't get in
an arbor. We're not going to do that. Again, guys.
We call it consumer grade. It's how we like to
consume information. So again we give it to you that
way as well. So again, request two copies, street copies,
whatever it is. It's a free beat to you. How
many times in life do you hear that? And shipping
(04:16):
is free because these have to be consumed in the
original format. These are not for the laser guided things.
Speaker 4 (04:22):
No, no, no no. And after my little slip and fall,
I was teasing my brother who is my executor, my
healthcare directive, my power of attorney, all of the above,
saying it's a good thing I didn't go down, you'd
have to deal with all this. Now he's in this business, right,
so he understands the game. But can you imagine asking
(04:47):
your spouse or a good friend who has no idea
how treacherous this terrain is to handle your affairs for
your loved ones. You're dropping grenade down their shorts. No
is what you're doing.
Speaker 3 (05:02):
And again, guys, again, our goal is to educate. That's
what we do first and foremost here at Madison. It's
what we do best. So let us educate. They are
grab your copies of the DoD version two point zero,
recommend you getting two. We still have tax planning guides
from Nationwide available and now is the time. And that's
for twenty twenty five guys. That is that is not so.
Speaker 4 (05:25):
It pairs with that twenty twenty five tax guide from Nationwide,
which is fabulous. It pairs perfectly with our taxation guide
to Withdrawal and Income Sources that talks about what do
I pay Federal income tax on DAN? What do I
pay State income tax on it?
Speaker 3 (05:44):
Might?
Speaker 4 (05:45):
Where are the qualified dividends?
Speaker 3 (05:47):
Add up?
Speaker 4 (05:48):
Is this going to add to my adjusted gross income
for my total taxation? Is it going to put me
in the in the net investment income tax penalty box
of another three point eight percent. It's only going up. Hey,
I don't care if the tax law is from Trump's
day or place or not. Our tax rates are going
up everyone.
Speaker 3 (06:08):
Right, guys. And again we're going to get into some
separate discussions along those lines as well. And the other
thing that I want to thank you all for. You've
all been requesting a lot of information on Pillar three,
what we call Pillar three, and then version two point zero,
and it's been younger and younger adoption, which is.
Speaker 4 (06:29):
And you called this a long time thought and I disagreed.
Speaker 3 (06:32):
You did, and you vociferously.
Speaker 4 (06:34):
I did disagree, and I am acknowledging that I was incorrect.
Speaker 3 (06:39):
Yes, and I did think. I did think you were wrong. Yes,
I did think you were wrong with that. But again, guys,
for those of you the quick refresher on Pillar three
version two point zero, really, at the end of the day,
what it is is if you want to be growthy, right,
if you want to be valuated.
Speaker 4 (06:57):
People might not even know they are growthy without knowing it.
They think they own the value fund and it's Apple
in Nvidia, Meta, Google and Tesla. Those are not value names.
Now you own them, whether you think you do or not.
Speaker 3 (07:13):
I will summarize it maybe a little bit more succinctly.
You have a portfolio that we help you select, that
we can continuously change if we sow see fit, if
you sow see fit. Okay, you own a portfolio. At
the end of the investment term. If everything goes well,
goes swimmingly, congratulations, you keep hip hip parade, you keep
(07:34):
all the winnings, cartwheels, no haircut. Now here's here, So.
Speaker 4 (07:38):
Dan, let me say it. If my dollar turns into
three dollars, I get three dollars.
Speaker 3 (07:42):
Correct, Mike, very good, good, And and if it's after
tax money along the way, you were sheltered. You were
sheltered from taxes which your favorite funds always love to
kick out each year. As you're seeing now.
Speaker 4 (07:55):
You're getting right now in your mailbox.
Speaker 3 (07:57):
Now here's the flip side to this. Here's the flips side.
Should the world happen the world? Notice notice you said
nothing about markets as it's happening. Should the should the
world happen right at the end of it, meaning it's
burning at the it's burning, it's whatever it happens to
be at the end of the at the end of
your investment term, you are now listen, guys, you are
(08:19):
completely inoculated against loss, meaning you can't lose one nickel.
Speaker 4 (08:25):
So if the world, Dan were to replay the year
two thousand to two thousand and nine, perfect right, where
the markets were actually negative, perfect for the whole decade,
and my dollar would have been sixty cents, then perfect.
My dollar becomes my dollar again.
Speaker 3 (08:42):
Correct, cow, And let's let's I can run.
Speaker 4 (08:48):
So Dan, you're naked, your dollar sixty cents, I get
my dollar back, and I'm reinvesting it. When you're at
sixty cents.
Speaker 3 (08:57):
Next level, guys, that's next level. And that's where again, Mike,
I think it's just I don't know. I think that
why I thought it would be a younger set that
would first adopt this and you brought this up is
they've been through it.
Speaker 4 (09:14):
They saw it in the last ten years, exactly right.
They've actually witnessed real markets.
Speaker 3 (09:20):
They they lived twenty twenty two. They saw the hit
that that had on their portfolios.
Speaker 4 (09:26):
They saw these quote unquote wink save funds get crushed.
Speaker 3 (09:31):
And it's not just that, Mike, it's that if they
happen to play along in the manias, right those uh
you know those meme stocks, memes stocks whatever you want
to quantom computer want if you they got hit very hard, Mike.
So they respect principal protection, but they want the growth.
They want it all and guess what and we could
(09:52):
get it, guys, So go to break Dan Polanski. Mike Brown,
Managing director Mike Brown. Guys, grab more information on Pillar
three version two point zero. Have your d O D
version two point ohs it's w W W dot Madison
m A D I S O N managers with an
s dot com. We'll see you right back.
Speaker 2 (10:13):
You are about to experience the planning for Prosperity show
in three.
Speaker 3 (10:30):
Managing director Michael Brown.
Speaker 4 (10:31):
At the risks like a Ritz Cracker. He's a one
hit wonder guy.
Speaker 3 (10:38):
Taco Are you kidding me? Are you kidding me? This
person names? I do like taco, love taco.
Speaker 4 (10:46):
I don't like desk.
Speaker 3 (10:48):
You would like a singular taco too. It's not so bad,
but this is kind of working backwards a step back right,
Happy weekend, everyone, welcome aboard the cruise ship The Politic
for a Sperity Radio Hour cruise ship. We're so proud
to be with you. You guys know, we keep this
very simple. Respect our reps. For no other reason to
(11:08):
give us a call, give us a shot. We are
here working for you all the time, full time around.
Speaker 4 (11:15):
I had to sit here and watch me stuff my
face with my breakfast.
Speaker 3 (11:18):
Yeah, exactly right. Michael had to glomb down his toasty.
So we are here. We are fully fueled. Mister producers here,
everyone is here, guys again, big thank you for all
of you requesting do D version two point ohers.
Speaker 4 (11:31):
Wait, Dan, would you call that ty fusha?
Speaker 3 (11:35):
My eyes are so bad now, I'm like, I don't
even know when it plays with your eyes to begin
with you, I'm not sure what that is. There's no
way to describe that over the radio. Yeah, other than yeah, yeah,
we like it. I mean you kind of sassy. Yeah,
it is is a little sassy, mister producer, very very
very nice. So guys again, big thank you. Do D
version two point ohers. Rob loves to get those out
(11:58):
to you guys. They're free of charge. Stack them up, one, two, three,
whatever whatever you want again, shippings free. There's none of that.
They come right to the doorstep www dot Madison, m
A D I S O N Managers m A N
A G E R S dot com. And also also
we brought this up in the first segment if you
(12:19):
missed it. Again, we're talking Pillar three, version two point zero,
and we're talking adoption. Okay, we're talking you guys, adopting this.
And again because it's so easy to embrace. Well, and
here's the first week where we really got the feel
of this. Right, it's my career. As we always say,
the world happened, right, the world happened Walmart.
Speaker 4 (12:41):
And it's happening in a fairly dysfunctional manner.
Speaker 3 (12:44):
And we can say this, guys. They reported Walmart reported
earnings this week, and they made the mistake of mentioning tariffs.
And again they will be dealing with tariffs apparently, as
we all will, as we'll all publicly traded companies, which
again made the market a little bit shall we say, agitated, Michael,
But that's what happens. That's the world happening, that's a
(13:06):
Walmart happening. That's the world happening, and that's going to continue.
So when we talk Pillar three again, Pillar.
Speaker 4 (13:15):
Three, it allows us to not care.
Speaker 3 (13:18):
Well, said Mike, really it really.
Speaker 4 (13:20):
I'd like to focus on other things. I'd like to
focus on my kids.
Speaker 3 (13:23):
Well, well done, Mike.
Speaker 4 (13:24):
I like to focus on my gunsmithing videos. So many
rather than this nonsense. So many this is what our
business is, but it's nonsense.
Speaker 3 (13:33):
But so many of you who have started Pillar three
with old four oh one k's old IRA's things that
have literally literally been nearly forfetten about and totally totally
forgotten about, not looked at, et cetera, et cetera, because
what pillar three again, If you so choose, if you
(13:53):
so choose, you can literally select one of the world's
largest hedge funds depending on a minute, right, you can
literally put one hundred percent of those dollars in that
if you so choose, right and let it go, let
it rip.
Speaker 4 (14:09):
And the difference Dan is in some of the things
we talk about. We can get a guaranteed way to return,
but then our gains are limited. We call it a
cat a ceiling. Right with pillar three, if there is none,
there is none, no guy, this guy's a limit.
Speaker 3 (14:27):
Absolutely.
Speaker 4 (14:28):
Well, if the world keeps spinning and the market rolls,
you're all in, yeah, absolute, And at the same time,
if things get a little ickier, we get our dollar back.
Speaker 3 (14:43):
And the one thing and this goes along, guys that
we have to mention it only because it's become Mike,
as you mentioned in our first segment, it's become more
and more focus. And rightfully so, Guys, if you're using
after tax money in this pillar.
Speaker 4 (14:57):
Three and you're not tax deferring things, you're tax but
that's the point, just total giving money away, you're totally
tax deferred.
Speaker 3 (15:03):
Tax shows or whatever you want to call it.
Speaker 4 (15:05):
When everyone's going to their mailbox right now, Dan, everyone's
shaking a little bit.
Speaker 3 (15:10):
Oh, absolutely, waiting for.
Speaker 4 (15:11):
That terrible, terrible ten ninety nine, the show up, absolutely
for a losing investment that you owe taxes on. And
they're called bond funds. And I again you said this,
we have opinions. My opinion is their garbage and they
have been for decades and to no fault. It's not
the manager's fault.
Speaker 3 (15:31):
That's the key, Mike. No one's saying these managers.
Speaker 4 (15:34):
Bond guys are always considered the smartest guys in the room. Absolutely,
but they have constraints and when you tie their hands,
they can only do so much. When the backdrop is
so ugly for.
Speaker 3 (15:45):
Them, and Mike we talked about this, and the real
wake up call for everyone I think was twenty twenty two, right,
But because that's not your wake up call, not because
well they went boom one hundred percent. It was again, guys,
by definition, depending on how far back you want to
bring the data. Literally, the worst year.
Speaker 4 (16:00):
You want to go back to, twenty eighteen, go not
so pretty, go back twenty twenty two was an enplosure.
Speaker 3 (16:05):
However far you want to go back, guys, Literally, if
not the worst, it's right up there in the top
two worst years for credit markets bond markets in the
history of bond markets. And we'll talk about that.
Speaker 4 (16:16):
And yet Dan, I get and I don't think I'm
exaggerating at least one email a day from these bond
fund managers that are starting new, brandy new funds, of course,
because they don't want anyone to look at their track
record of how awful the last decade was for their shareholders.
So make no mistake, everybody, these new ETFs, these new funds,
(16:40):
all they're doing is repackaging the nightmare that they gave
everyone for the last decade.
Speaker 3 (16:45):
Yeah, yeah, and that's what it is. Mike.
Speaker 4 (16:48):
Now, it's smart marketing. And we say it all the time, Right,
wall Street's the best marketing firm ever, ever invented ever.
This stuff is toxic.
Speaker 3 (16:56):
Literally, you could make an argument that Wall Street's invented
quite literally invented a life retirement.
Speaker 4 (17:05):
Yeah.
Speaker 3 (17:05):
I mean that's where were That's where I was going back,
And we've said that before on these airs, and these airs. Incredible,
it absolutely is incredible. So what we like to talk
about because a lot of you come in, a lot
of you come in to have chit chats and you say,
you know, Dan, the one area where I really don't
have monies, I don't have moneies in bonds, I'm one
(17:26):
hundred percent equity. That's are But that's the risk, Mike.
But but but to the point, if you were that
far on the spectrum, right, that far over to.
Speaker 4 (17:37):
Hey, So so we're gonna suggest you were correct, you're
one hundred percent equity.
Speaker 3 (17:40):
Okay, let's say a hundred Let's say you are one
hundred percent equity. Okay, Right, let's say you are one
hundred percent equity. Guys, we can continue that, right, we
can provide you continuing without.
Speaker 4 (17:50):
Being in the casino.
Speaker 3 (17:51):
Well, that's the key, MinC.
Speaker 4 (17:53):
That's let's get away from the crabs table. But you
still have the opportunity for growth. But the house is
not going to take your money, not under our watch.
Speaker 3 (18:01):
I think Mike, you do the best job of explaining this,
because I think what everyone has to realize is that
when let's say you're a retiree of XYZ company and
you are getting a quote pension, right, you are getting
pension dollars. The number of corporations that still manage a
(18:25):
pension fund for I can't think of one. It's not
off very few, right, So what do they do? Guys?
They do nothing other than what we talk to.
Speaker 4 (18:35):
About subcontracted out to pillar two.
Speaker 3 (18:38):
It's pillar two. It's pillar two.
Speaker 4 (18:40):
That's what they do.
Speaker 3 (18:41):
And what they're looking to do is not necessarily what
you're looking to do. In that what you should be
looking to do is, Hey, if this pension fund, if
they want to give me a lump sum of money's yes,
I'd like that, make it mine, right, That's number one.
Speaker 4 (18:56):
Because I can. I can be in control, I have
a health event and I can access it. Make a
family member is in trouble, I can help them absolutely.
And then what you allow us to do is you
allow us to shop from amongst all of the A
rated providers. Notice what I said there A rated providers, right.
Speaker 3 (19:18):
Meaning why look anyway? Why risk right exactly?
Speaker 4 (19:21):
And I don't want the you know, indianapolish national life
with my money.
Speaker 3 (19:26):
Absolutely and decide what fits your needs.
Speaker 4 (19:32):
Right, It's that's wait or keep going, right. So maybe
I'm in my sixties, m h if I stay with
the company pension plan, the pension is the pension is
a pension. Maybe I don't need all that money just yet.
And I'm gonna start taking Social Security and I let
my pillar to money bake. You're speaking to speaking, so
(19:57):
I'm not ready to take So I'm gonna let it bake.
Speaker 3 (20:00):
You're speaking guys.
Speaker 4 (20:01):
Even if the market goes down, my check next year
is guaranteed to be higher than what it was today.
You're the longer I let it bake, the higher my take.
And I'm not being silly here.
Speaker 3 (20:12):
And Mike, well, wait a minute, let's take a step back, Mike.
What happens. Let's think about this, is that what happens, Mike,
if you have a stellar year in the markets in
your portfolio and whilst right whilst you're allowing your check
to bake, as you would say.
Speaker 4 (20:31):
Well, if the market goes up fifteen percent, my check
goes up fifteen percent.
Speaker 3 (20:36):
But if the.
Speaker 4 (20:37):
Market goes down, my checking go up six seven eight percent. Guys,
it's a win with This is.
Speaker 3 (20:43):
The reality of pillar two again. Let us educate now.
The key is now walst rates are still a shade
artificially high, shall we say, let us educate now. Best
way to get give materials and or have your chit
chat www dot Madison Managers dot com. It's www dot
M A D I S O N M A N
(21:06):
A G E R s dot com. Just go to
the tax box. Let us know you want the educational material.
In the meantime, grab your D O D version two
Bueno's select two of them. Please say I would like
to and I would like them shipped to such and
such a dress. It arrives free of charge. And guys,
it'll help, it really will. We'll be right back.
Speaker 2 (21:29):
You are about to experience the planning for Prosperity show
A three two cheer.
Speaker 3 (21:43):
Good song, I don't know sings it, very good song.
Good job mister producer, Happy everyone. Daniel blase me, Michael Brown.
This will upset Michael Brown. You gotta crank this, guys,
if you're in your car. Rock set. Oh yeah, very good.
What I didn't think this is Rocksett. Actually this is
early rock set. I did not think that was rock set.
Very good, nice stuff, very good. Well two out of
(22:06):
three were excellent. Well no, no, let's say let's say one
was excellent.
Speaker 4 (22:09):
One rot.
Speaker 3 (22:12):
Yeah, this doesn't play by the pond. Colets. We all
know Michael Brown's the way here, guys. Michael Brown is
at the pond. He's he's got the cruise ship. It's
pulled up to doc. What you're going to do right
now is put him to work. It's www dot Madison
Managers dot com. Www dot m A D I S
O N Managers m A N A g E R
(22:34):
s dot com.
Speaker 4 (22:35):
I'm not gonna participate this a second.
Speaker 3 (22:37):
Go to do problem, Go to go to the go
to the textbox. Everybody, grab your DoD version two point
zero is. You've been doing great with that, and we
really really appreciate. This is what it's all about, guys.
We want to grow the ecosystem, right. We make no
bones about.
Speaker 4 (22:55):
It, like any business do you want to grow the practice.
Speaker 3 (22:57):
And you know what, guys, as you know those of
you are on cruise ship already, we always say please
and thank you. You notice we say that on these
airs as well. Let me know the next time you
hear that, So this will be the first in a while.
The point is this, guys, go grab your d D
two point zeros right on the website. Let us know
where we can send them, how to send them, et cetera,
et cetera.
Speaker 4 (23:18):
But think about this, Dan, you're you're my father, all right,
I'm going to be your executor. Okay, you pass away. Right,
it's a rough couple of days. All right, we have
to do the burial arrangements and all that jazz. Now I'm
on the ocean by myself. What do I do? Who
(23:39):
do I go to first? Who do I call? What
am I supposed to do?
Speaker 3 (23:44):
I know? What do?
Speaker 4 (23:44):
What do I do to the I R S? My investments, taxes,
the legal? Where do I start? Well, the d D
two point zero is your starter.
Speaker 3 (23:54):
Perfect, Mike. That's exactly where you got Guys, that's exactly
where you go to start, right exactly right. Some listen,
some may decided to do it themselves, right, some decided
to do with themselves, and what they'll use is the
estate planning timeline, right, Mike, where it's spelled out you may.
Speaker 4 (24:10):
This is step one, then two, then three, then four
and it also acts. So I'm one of four kids, right,
and there's no money family money, but one of my
siblings would want to know where every penny goes, of course,
and when it goes and who it goes to of
(24:30):
course and why yes, of course. So this is going
to the d D two point zero is going to
teach me how to educate and communicate to the other
people in the beneficiary club that A I'm not stealing
the money absolutely, and B this is these are the
steps we have to take.
Speaker 3 (24:45):
Yeah, yeah, no, so bear with me. No in there,
I can't.
Speaker 4 (24:49):
I can't do number three until we do number one.
Speaker 3 (24:51):
No question, guys, no question.
Speaker 4 (24:54):
Every family has that dynamic, whether you want to believe
it or not. It's there in every family.
Speaker 3 (24:59):
No if I's or boughts about it, guys, that's what again.
Speaker 4 (25:04):
Always anywhere it comes from, Dan, it's always the one
person that beneficiary club who plays nonchalant.
Speaker 3 (25:11):
Eh, what have they? I don't care?
Speaker 4 (25:13):
Right, right, right, no big deal. Oh oh, they're gonna
be the chirping bird. Absolutely, they're gonna they're gonna be
the problem. So to deflect and defend yourself, if you're
gonna be the executive trustee, all that, you gotta have this.
Speaker 3 (25:30):
No, absolutely, one hundred, one hundred and twenty five one
and twenty five percent, Mike, Guys, it's free of charge.
You know that. We say please and thank you for
you consuming it. So again, that's what we want, grow
the ecosystem, spread it out, and that's how that's what works. Mike.
I'm gonna say this could be this could be a
(25:50):
little bit of a change for people this week. And
did anyone It's always and I'll say this, it's always
on a holiday week. It seems to be that when
no one's paying at and et cetera, et cetera. It's
always when earning season is almost over right, that sort
of thing. When you get something like Walmart this week, right,
when you get something like Walmart where they reminded the
(26:13):
world that they're gonna have to deal with tariffs. They're
concerned with this situation, that's not guys, make the mistake.
It's not political. We only tell We only don't political
because it's when it impacts money, correct. And what it
also does is it plays perfectly to three out of
our four main pillars, right, main pillars which we believe
(26:38):
should sit under your investment plan.
Speaker 4 (26:41):
Right.
Speaker 3 (26:42):
We can educate to that and show you why we
believe that.
Speaker 4 (26:45):
And so so let's just be very simple. The theme
out of actually four out of five is having some
form of protection. That's the that on your heart money.
Speaker 3 (26:57):
That's it. That's it. And you know, listen, you know
my favorite Mike, my favorite guys, I am. I am
a sucker for pillar two. I'm a sucker for pillar
two because, as we mentioned in a previous segment this week, guys,
it's very simple because pillar two is the pretty girl
to dance if you're right. Listen, guys, as long as
you're willing to be hands off, you will have a
(27:19):
benefit that a cruise to you literally each and every day,
regardless of what happens to the world. Notice we didn't
say markets. Notice Notice we're not tobably about normal market iterations.
That's for everyone that wants to argue, hey, you've got
to be in what we call pillar one. You've got
to be all in you got a swim.
Speaker 4 (27:39):
Make its naked market.
Speaker 3 (27:41):
It's naked market because quote, it always comes back. Absolutely,
even if you have a down decade, as Michael pointed out,
even if you go through a rough bond decade, as
Michael pointed out, it's great, you're told it's great. We're
not saying that you shouldn't have a slice of Pillar one.
I do we, Mike, we all do it. And but
(28:02):
Pillar one is, in our opinion, the way we think
about it, it's designed to be complementousy.
Speaker 4 (28:12):
Jes, that's where you own the stocks of the companies
that wear the black hat. Why, that's where you get
your bad guy positions.
Speaker 3 (28:20):
You want your gold fabulous right, Fuck, we've talked about Mike,
We we talked about gold so far before these commercials.
Speaker 4 (28:28):
Do you want your crypto? You want your quantum computing?
Speaker 3 (28:31):
What have that? You want Google, Pamazon, Freifhrosoft, you want
all of those terrific That is Pillar one, guys, that
Pillar one.
Speaker 4 (28:41):
But you need a permission slip first. It's not and
that's having the protection as your permission.
Speaker 3 (28:45):
Slip absolutely right. It is not designed to hold one
hundred percent growth fund of Mississippi right next to the
Bond Fund of Mississippi right in there with the Balanced
Fund of Tennessee.
Speaker 4 (28:58):
Where they didn't make you any munch me and they
just sent you a tax bill. It's it's in your
mailbox right now.
Speaker 3 (29:04):
But Mike, even if these guys kill it, and we
always say this, guys, you gotta understand, you gotta understand it,
and we again, I think it's starting, it's starting to permeate,
it's starting to break through. Even if you want to
own those names, we can. We can just put a
even if even if you don't want principal protection for
(29:25):
whatever reason, if you don't want it, if you don't
want a guaranteed listen, if you if you don't for
some reason, if you can say I can't stop from laughing.
If you don't want principal protection, if you don't want
a guaranteed withdraw dollar for the rest of your life,
if you don't want it, do it for your family.
It's built in estate planning. These have what we call
(29:47):
full death benefits.
Speaker 4 (29:50):
On and contractual beneficiary designation, no probate, no attorneys, built in,
no accountants.
Speaker 3 (29:57):
Mike, explain what that means. Again, Listen, even if you
say I hate principal protection. I absolutely hate having guaranteed
dollars showing up on my mail box. I hate all
of it. I hate, I hate what these are guys,
these guys are talking about. But I do love my kids. Michael.
Let's pretend we are in again. Let me just pick
(30:19):
pillar three. We're in pillar three. I put one hundred
thousand dollars to work. The market happens, one hundred thousand
goes to eighty thousand. I pass away, right. I hate
Mike and Dan, but I love my kids. What does
that individuals? What amount of money do does that person's
kids receive? Michael, let me put it in this perspective.
Here's the phone call I get to make. I'm very
(30:42):
sorry for your loss. It's a difficult time. I understand that.
Here's the good news. I'm gonna make all the problems
go away. There's no courts, there's no attorneys, there's no accountants,
and you get all your money back and there are
no arguments. There's no arguments.
Speaker 4 (31:00):
If I'm in that position, man, where I'm already you know,
mentally crushed. I just lost a loved one. That's a
phone call I want to get.
Speaker 3 (31:08):
Well. How about how about this one too, Mike, how
about this one? And again this is this will be
down the road, but down the road becomes Hey, your
your dad just did something really special for you and
really speak and really smart because guess what, guys, markets
are down and you're getting all of Dad's money back
(31:30):
to put into those down markets so that you can
now have a better chance of earning a greater return
than your neighbor would have and that potentially can help
you and your family. That's how much Dad care that.
Speaker 4 (31:44):
That's what you and I would like to see happen.
Absolutely now what really happens for a pretty good majority
of the time. As Mike, Dan, I'm so happy I'm
getting the full dollar back, not the eighty cents. I
got a kid and college right my basement just flooded,
I need a new roof. I need cash. Can I
(32:07):
just get the cash? Always and the answers yes, we'll
get it to you tomorrow.
Speaker 3 (32:12):
It's that as you say, it really is. It really is.
Speaker 4 (32:15):
No, Because Dan, you and I are always thinking in
a very macro way, the next move in the chess game.
What are our options? How do I bail? How do
I go? How do we put the foot on the
gas pedal whatever. A lot of kids, you know, if
it were my kids, they could use some cash right now, Handy,
good news is you get you're gonna get the full
(32:37):
dollar back. Here you go and pay for whatever you
need to pay for.
Speaker 3 (32:41):
Other interesting thing, Mike, that we could go off on,
but we're running out of time, guys. Is the phone
call is made by Michael myself, our team. You're not
talking to the one eight hundred.
Speaker 4 (32:53):
You're not sitting on hold for forty five minutes hoping
to get someone who's English is their first language and
not not being disrespectful. It is who can actually help
me and then bounce me to another department.
Speaker 3 (33:06):
Guys, let us let us start with the education we love.
When you request the educational materials, best way to do
it is www dot Madisonmanagers dot com. That's m A
D I S O N m A N A G
E r s dot com. Use the text box. Let
us know literature on pillar two, Pillar three, Pillar four,
even pillar five d O D version two point zero.
(33:28):
If you want it all, just let us know. We'll
be right back.
Speaker 2 (33:35):
You are about to experience the Planning for Prosperity Show
three two.
Speaker 4 (33:45):
Us way, Ryan, what is going on here? This?
Speaker 3 (33:52):
This will disturb you? This would be yeah, yeah, yeah,
this is great. This is like some like military mental
some sort of study, I thing, some sort of psychological
We had a sock cop. Let me say, who is this?
Mister producer? Who is zu Ryan, Dan Plancy and Michael
Brown managing your cherry pop and Daddy's Oh yeah yeah,
(34:14):
and Grammy we should Michael happy again. Welcome aboard the
cruise ship Madison Wealth Managers for the win. Guys, here
is where we're gonna start. If you guessed that the
theme was mister producer's outfits, you have pulled a stunner
(34:35):
for you.
Speaker 4 (34:36):
I'm not pleased with a couple of selections, but I
am pleased mister producer. His wardrobe is getting tighter.
Speaker 1 (34:44):
The game.
Speaker 3 (34:44):
It's in the coast again. I mean when he was
you know, when he weighed fifty pounds less for the wedding,
I mean it looked a little silly, didn't it. I mean,
you know, when you could wrap the tie around his
neck forty five times, I mean it looked a little silly.
But thank you, miss Mary. That came from mister producer admits.
Speaker 4 (35:05):
Hells hypathetically at mister Producer's wedding, yes, which I attended
and you did. They did these little group photos and
I thought it was appropriate to sit on mister Producer's
lap during the photo. It's like you're sitting at a skeletons.
Speaker 3 (35:21):
Oh no, no, no, that wasn't right.
Speaker 4 (35:23):
It's like those poor kids in the desert that they
were shipping rice to. That's what he looked like.
Speaker 3 (35:27):
Yeah, no, he was bad. It was bad news, guys,
and we're gonna remind you. Thank you so much everyone
as Mike as Mike literally falls over laughing in his chair.
Www dot Madison Managers dot com. Guys, that makes all
the difference in the world. Requests the DoD version two
point zero. Please thank you, and we know you will
benefit from it, and we are allowed to say that
in the family. And if you don't benefit, let us know,
(35:48):
let us know how we can improve because we we
we take a.
Speaker 4 (35:51):
Lot of what we do is based on the nation. Absolutely,
and I love when we get the calls saying what
have you thought about this? Or can you do something
about that? That's how this stuff develops. That's exactly and
Dan going to turn boots on the ground. That's what
it comes from. Real world, real world. It's not the hypotheticals.
(36:13):
This is what we see day in and day out.
Speaker 3 (36:14):
It's that it's that simple, guys. And also, real world
has been your adoption of Pillar three version two point zero.
And guys, this week's the greatest example. Right. It's a
sleepy holiday week, right, Mike, sleepy holiday week. You're told
nothing's going on until a company called Walmart reports earnings.
And what they did. They made the mistake of telling
the truth. Okay, they told the truth about what are
(36:37):
they thinking there? They made the mistake of telling the truth. Guys.
This is what Mike talks about. Okay. These companies are
incredibly especially in today's day and age, they are incredibly
good at controlling what they can control. They can run
their cruise ships. Okay, But in today's day and age,
(36:57):
as Michael always points out, the world happens. The world happens.
We're not talking about stops, We're not talking about the
iterations of mother market. We're talking about the world imposing,
imposing and or bringing a term to the forefront known
as TERRORFF.
Speaker 4 (37:17):
So, Dan, here's my question to you. Okay, will tariffs
be everybody's new crutch. Oh, anytime they stubb their toe
because it's at the fallback pay.
Speaker 3 (37:30):
So you know what it's gonna be, Mike, You know
what it's gonna be. What it's going to be To
your point, Mike, to your point is team minus and guys,
we're getting out of earning season. Now, we're getting out
of earning season. However, however, the really good news is
in the beginning of April, it's gonna start up again. Okay,
that's when you're gonna get here. To Michael's point, when
(37:50):
you start to see your favorite companies, right, your favorite
company's down five to ten, maybe even fifteen percent after
the report earnings, you're going to get to see how
something they have no control over zero zero zero impacts.
Now notice my choice of language here impacts their narrative.
Speaker 4 (38:08):
And then the question is going to be when we
hear someone reporting their earnings, right, they're doing their their
conference call, and for everyone listening, every quarter when a
company reports earnings, they have an investor conference call, which
is like pulling teeth. It's not my thing, Dan loves
them item. My question is going to be companies that
(38:30):
really aren't hurt by the tariffs get to somehow sneak
that in. If they have a bad quarter.
Speaker 3 (38:38):
It's because of the narrative changes, right, narratives.
Speaker 4 (38:40):
Right, somebody else's terrors cause problem. You're going to hear
this ad nauseum.
Speaker 3 (38:46):
No different than we were riding the wave. To the upside, guys,
right to the upside. Every script had the term artificial intelligence.
Oh yeah, a to the point where in certain calls
it was mentioned upwards of one hundred times. Okay, this
is all carefully scripted. But to Mike's point, this is
(39:09):
bound to cause some turbulence, write some turbulence.
Speaker 4 (39:14):
Or justify correct single stock risk turbulence.
Speaker 3 (39:18):
So the point, maybe this the point? Maybe this, If
I'm sitting there naked right now, maybe it's not a
great time to do so. Maybe it's a time to say, hey,
I listen to Mike and Dan. These guys, they're please
and thank you. Guys, they're busting There are butts for
me literally every single day, every single weekend. How it
(39:39):
doesn't matter, guys, you guys know this. Okay, I want
to have a conversation. I want to have a conversation,
even if it's nasty or me And we said it, guys.
If you miss last if you missed what was it?
Segment three? If you miss segment three, guys, I would
recommend listening to it because it actually is laughable when
you say it out loud this way. If you don't
(40:01):
like principal protection, you hate it. You hate guaranteed withdraw
dollars showing up in your in your I can't do it.
You hate guaranteed withdraw dollars in your mailbox. You may
have someone in your life that you love, Okay, that
you love.
Speaker 4 (40:18):
Let's go further. You might have brought some people into
this world. It's your obligation.
Speaker 3 (40:25):
Well done, well done.
Speaker 4 (40:26):
And my kids, I love them, I hate them. I
want to hug them, I want to kick them. All
of the above. They're my obligation. And I don't think
they're going to be hyper wealthy in their chosen fields.
So my job is to make sure the world doesn't
take their money away from them.
Speaker 3 (40:40):
And that's the key, guys. If for no other reason
to have the discussion, let us educate on what we
educate least on on these airs, which is the full
death benefit protection to your errors. The seamless is state planning.
Seamless is state planning, which.
Speaker 4 (40:59):
I days, not not months in the probate court.
Speaker 3 (41:03):
Oh days, it's Instantana, I mean, should you want and listen?
And I will throw this on because I think it's
so critical in today's day and age. Guys, if for
whatever reason, if it's not us, if you don't like
the if you don't like the sound of my voice,
if you don't like Mike's hair, whatever it is, make
sure you get yourself an account representative. We want it
(41:25):
to be us. We feel we deserve it, and we
will say that we deserve we deserve the shot at
your business. Okay, here's the point. Even if it's not us,
Ask miss Jane, who's listening right now, Miss Jane. Ask
Miss Jane about how many times her husband passed away? Right,
her husband passed away. It wasn't wasn't well, wasn't a
well man? Husband passed away. Ask her how her conversations
(41:49):
went with the major insurance company who simply was expected
to pay a simple death claim. Ask how those conversations went. Okay,
good luck and guys, and have patience. Now you know
you're going to go through twenty prompts.
Speaker 4 (42:06):
Right, and this is and then sit on hold before
you speak to someone in the South Pacific.
Speaker 3 (42:11):
This is not a testament to us. This is not all.
We're the best ish and we'll get you the money,
the fastist and we do it all the time, guys.
This is what we're trained to do. I think more importantly,
we care Mike. It's guys. It's that's why we say.
Speaker 4 (42:27):
Someone calls me and says mom died or dad died, everything.
Speaker 3 (42:31):
Stops almost any and now it's.
Speaker 4 (42:34):
Time to take care of that situation.
Speaker 3 (42:35):
And that's the key to Mike. And we don't point
this out enough. Almost every single financial asset in today's
day and age, you can attach a representative too. Quite nearly,
quite nearly the.
Speaker 4 (42:45):
Should let us be again, it's easier to keep going
down this path and hoping that the big casino in
the sky sock market bails us out. I'm just scared, Dan,
what are the next ten years? Are awful?
Speaker 3 (43:01):
I don't get Mike, just miserable. Listen, I'm gonna tell
I'm gonna tell you this, guys. I obviously listen. I
root for the markets, obviously, I root for every kay.
I root for the growth guys. Especially Okay, I'm predisposed
to that again for a variety of reasons that we
can discuss off are. Here's the bottom line though, every
(43:23):
single one of us, right, Mike and Amy, you know this.
You sat down for breakfast, You sat down for breakfast
last week. How good does it feel when you actually
have a plan that you didn't have in place before
you had a pancake right before you had a pancake
with cousin Dan, where you have a plan where you
(43:45):
literally can understand Mike Brown, Mike Brown alway says he
can get it within pennies. I agree, you can. But
now they know if they contribute X y Z into
their Pillar two vehicle of choice, right it happens to be
our favorite right to vehicle choice. They know what they
can enjoy for the rest of their natural.
Speaker 4 (44:05):
Life type, whether that be a year from now, two
years from now, five years, or ten years. We can
give you the worst case scenario and it's probably gonna
be better, but we can give you the worst.
Speaker 3 (44:17):
And you know, you know, you know what Mike did
previous to this, and he actually asked, he said, Dan,
He said, Dan, I would do a testimy I said, Unfortunately,
can't do testimonials. You know, et cetera. He said, do
you know what he did? Mike, He listened to the show,
loves the show. But he finally came in again like
everybody else came into some money. Okay, but here's the cattle.
But here's the point. You know what he did first?
Four one kai any meanie miney mo. Yeah, it's got
(44:39):
a joke.
Speaker 4 (44:40):
And you know, I have this menu, like I'm sitting
at a sushi place and I'll have the California roll
with thirty percent and the Philadelphia role for twenty percent.
Speaker 3 (44:48):
And I hope it all works out. Now after the
pancake with cousin Dan, the pancake's good, good pancake. But
after the pancake, the plan is in place. The plan
is in place. Yes, it's just a matter of following
the plan. Guys.
Speaker 4 (45:03):
They tell you what if you're and if you're over
fifty five and you have money in your four oh
one k, give us a call, oh, because we might
be able to get it out of there until it better.
Speaker 3 (45:11):
Absolutely, guys, we are, we are. Gosh, that's hit. The
show's over. Happy weekend, guys, that went fast, mister producer.
Thank you for the music, Thank you Mary for the suggoptions. Guys,
if you want to have the pancake, we highly eat
Michael will if you make them in the office www
dot Madison, M A, D I, S O N managers
(45:32):
dot com. Again, let us educate, get your educational materials.
But most importantly, guys, if nothing else, dood version two
pin O go right there, right now, use the textbox.
At least grab two of them. We'll see you in
the office.
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