Episode Transcript
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Speaker 1 (00:00):
Securities and investment advisory services offered through Osaic Wealth Inc.
Member finraw as IPC oasaic Wealth is separately owned and
other entities and or marketing names, products or services referenced
here are independent of Osaic Wealth. Madison Wealth Managers and
Osaic Wealth Inc. Are separate and unrelated companies. Information provided
is for illustrative purposes only and does not constitute investment,
tax or legal advice. Information has been obtained from sources
(00:21):
deemed reliable, but its accuracy and completeness are not guaranteed.
Neither Osaic Wealth Inc. Nor Madison Wealth Managers accept any
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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
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Speaker 2 (01:04):
You are about to experience the planning for prosperity show
in three two.
Speaker 3 (01:18):
Battles. Nice, okay, happy weekend everyone. I like this, Dan Polanski,
Michael Brown, managing director, Michael. Yeah, oh, here this morning
is coming, Here comes the sun.
Speaker 4 (01:32):
Wow, you have a new look today.
Speaker 3 (01:35):
Thank you, Michael. Yeah, I do. I've got the sweat hair.
I've got the full sweat hair. Everyone food for thought,
although you probably don't want that, but I've.
Speaker 5 (01:41):
Got the producer is without as they say, psalms tie.
I only want to dressed for the day.
Speaker 3 (01:47):
Apps and Michael is in full pink. Is that a
pink purple tie? Pink purple? What would you call it?
Pink purple? Pink purple juxtaposed against a sure that is?
It is nice? Yeah, because you could spill your hot
dog on it.
Speaker 4 (02:01):
It's from Sears.
Speaker 3 (02:02):
Yeah. I was gonna say, you could spill your hot
dog on that way and it wipes it right off. Yeah, yeah, No,
that's that's nice. Yeh Chester, you look the nice Michael
very nice you everyone. As you know, we're please and
thank you to the core here at Madison. We do
believe if nothing else separates us from the crowd, or
if you believe nothing else separates us, if you're of
that belief, we truly believe in being pleased and thank
(02:26):
you because simply put, no one, no one does it anymore,
and it's in our blood, it's what we do. So
we are saying thank you to all of you who
over the past few weeks it's been nearly NonStop from you,
So again, big thank you.
Speaker 4 (02:40):
This everybody can just take a deep breath of a pause.
Speaker 3 (02:43):
Here, No, no, no, keep it coming, guys, we can't
come up. It has been the requests have been across
the board. Really do O D two point zeros write
that again, we're allowed to have opinions. You want us
to have opinions, and in our opinion, that is our
best estate planning work yet and it is professionally. Again,
we've been talking about specific articles in there. Okay, we
(03:06):
call them consumer grade right because we want them, we
have them written. We write them for you in the
spirit as to how we would enjoy them. Right, bullet
point to the point don't waste our time.
Speaker 4 (03:21):
It's how can I actually absorb this?
Speaker 3 (03:24):
Absolutely? Now Here's here's the thing, guys, And what really,
what really brought this about is we had a conversation
on these airs with you, maybe a month ago or
six weeks ago now, where we talked about the fact
that I overlooked one of the white papers within the
DoD two point zero. It's entitled what to Do when
(03:47):
a loved One Dies.
Speaker 4 (03:48):
I might have it ear marked.
Speaker 3 (03:49):
Michael does have an ear marked here right in front
of us, guys. Point is this I passed it over.
I kind of poo pooed it because my favorite white
paper has always been the estate plan timeline, which is gold.
It's gold.
Speaker 4 (04:04):
And let me just interrupt you for one second.
Speaker 5 (04:08):
The do O D I don't believe is what people
think it should be. It's one thing, Dan, if I'm dad,
I'm grandpa. It's another thing if I task you with
overseeing my affairs when I'm gone, it's for you.
Speaker 4 (04:29):
It's your playbook.
Speaker 5 (04:31):
It's to stop the infighting when it happens. No one
wants to believe this. Every loves their kids, they think
they get along great.
Speaker 4 (04:40):
They don't.
Speaker 5 (04:41):
And when it comes to money. Someone has to be
able to say, whole time, we got to play first
down before we play second down, before the third down,
before the fourth down.
Speaker 4 (04:52):
This is how you explain it to the other people.
Speaker 3 (04:55):
This is it is so good it really, guys, Mike,
if if the timeline, the state planning timeline, is gold,
this is platinum. Okay, simply put so, because this comes
first point exactly right point being guys, this is first down.
If you don't have d D version two point zero,
we make it this simple. Just simply go to www
(05:18):
dot Madisonmanagers dot com. It's m A D I S
O N m A N A G E r s
dot com. Use one of the clickies. There's the clickie
buttons there that say I have a question, ask Mike
and Dan, send an appointment. Pick any one of them.
Click on it right, use your mouse or whatever those
things are, click on it, and then just say, hey,
I want two copies of the D O D. Here's
(05:39):
how you get them to me, Here's how you get
in touch with me whatever it happens to bay and
we send them for free. You heard that correctly, We
ship them for free. So again, guys, we make it
super super easy. Take us up on it. Again, there's
absolutely no costs. There's so many of you. Now, no,
we've been through palette after palette of these, but keep
(06:01):
it up, because again, what to do when a loved
one dies? It is Mike. It's again to use the
precious metals analogy. It is platinum. I mean it is
literally sheer platinum.
Speaker 5 (06:13):
It's necessary because the fraudsters, the scammers, the thieves, the
identity thieves are one step ahead of all of us.
Let's just admit it. Yeah, right, they're better at this
than us. This is what they do all day. So
when you read what to Do when a Loved One Dies,
it's a little bit of armor against these awful, awful hackers.
Speaker 3 (06:37):
Mike. And again there's so many items, and we mention
this all the time. Is that when we all sat
down as a group here at Madison and put together
what to do when a loved one dies? Right, it
got spice seventy It was a spicy guy. It was Mike.
But seventy five, I'll say a good three quarters of
it we wouldn't have come up with on our own
individually or anything along those, because it was real life, simply. Yeah,
(07:02):
And that's that's exactly, guys.
Speaker 5 (07:04):
And everyone needs to know where does most of the
fraud Dan and the hacking come from. I hate to
say it, it's government agencies. You think the DMV is
the most.
Speaker 3 (07:16):
Secure, the targets targets.
Speaker 5 (07:21):
So when if I pass away, you're my trustee, you
go to the DMV tomorrow with my death certificate and
stop my information.
Speaker 3 (07:29):
Yeah. Well, well done, Mike, Very very very very well done, Mike.
So again, guys, d O D version two point zero
www dot Madison Managers dot com. Just use one of
the clickies clicking on it and let us know how
many copies now the other item. Since it's tax time,
Michael and I was actually reminded of this this morning
(07:54):
from one of our friends at Gorlaney. Okay, Dan, what
do you guys do for tax season? I said? Why? Crying?
I said, why, Jennifer, you know what we're doing. We
are giving out for free the Nationwide You heard that right, guys,
the Megan sure right. We are handing out the Nationwide
(08:15):
twoenty twenty five you heard that right, everyone, twenty twenty
five Tax Planning Guide. And do you know what she said, Mike?
She said, Dan, you have no idea. How valuable that is?
I said, well, no, I've got a pretty good idea.
(08:35):
We're trying to get it out to as many people
as we possibly can because Jen made the point, and
she said that just a little bit of education, a
little bit of information, can make taxes and tax season
so much less daunting for so many of us. It's
(08:56):
that simple, mind.
Speaker 5 (08:57):
It's not just the I have to gather all my
documents in a shoebox.
Speaker 3 (09:01):
Oh yeah, who cares about that.
Speaker 5 (09:03):
It's wait a minute, I just got a tax bill
for this mutual fund that lost me money.
Speaker 3 (09:11):
Wait, wait, wait, what remind me of that mic? Because
we're going to get into this, guys, and I want
to dedicate so much of the show.
Speaker 4 (09:18):
And everybody listening.
Speaker 5 (09:19):
I don't have one, not two, but three doozies to
get Dan's blood pressure off.
Speaker 4 (09:25):
And in the next segment it's got to get interesting.
Speaker 3 (09:27):
And guys, again, we've gotten so many questions from those
of you who aren't involved in the Pillars. Okay, you're
not involved in the Pillars. You don't have you don't
have a Pillared plan.
Speaker 4 (09:37):
Oh they're coming.
Speaker 3 (09:38):
We've gotten so many questions.
Speaker 5 (09:40):
Because they're so upset at what they have to do
to the for the irs now.
Speaker 3 (09:44):
And Michael knows. Michael knows that I have the notepad here.
I have the notepad and I write these down during
the week. What do I do? What do I do?
What do I do I have? What do I do? Again? Guys,
not written down twenty times, but it's written down seven times.
This were from listeners such as yourselves calling in. We're
regarding this latest what do you want to call it,
Mike Stratchtel of markets that we're in this latest uh
(10:07):
goober of a market that we're in. What what? What
do you want to call it? Mike?
Speaker 4 (10:11):
I want to call it a charade.
Speaker 3 (10:13):
Let's call it whatever you want to call it. But
we're going to help you out. Guys. Www dot Madison
Managers dot com grab your d o D version two
point zero is just do the clicking. Let us know
how we get them to you. We will get them
out for free. We'll see you right back.
Speaker 2 (10:29):
You are about to experience the Planning for Prosperity show
A three two.
Speaker 3 (10:40):
He's going to be Brah Marvin Gang, Daniel Planski Managing director,
Michael Brown. I don't know me again.
Speaker 4 (10:53):
I'm embarrassed that I don't know the ojs.
Speaker 3 (10:56):
No Johnny Nash? Is it not Johnny Cash? Oh, we
would have never gotten that.
Speaker 4 (11:02):
Who the hell's Johnny Nash?
Speaker 3 (11:03):
I don't know. Congrats If you got that everyone, I
like it. Who's that guy? Great job? If you nailed that. Everyone, Now,
don't forget. If you're new to the show.
Speaker 4 (11:12):
I know what's already happening each week.
Speaker 3 (11:15):
This is not the musical intern ludes. Are not there
just to have musical interludes, although we do enjoy them.
Mister producer, he works with one of our super fans,
of our super clients, and they put together themes for
the show.
Speaker 4 (11:29):
How in the world did Mary overtake the show?
Speaker 3 (11:33):
It's just done a great job. When you when you're
excellent to what you do, you just overrun everything. It's
like it's like it's like, if I were to use
a basketball analogy, it's like, if you're lebron you just
take it over. I mean, when you're fourteen and you're
taking over NBA games, I mean, that's that's going to
the end of it. If you just you just overrun it,
you take you take your bulldozer and you run, you
run it. Over guys, again, big thank you if you
(11:56):
weren't with us first segment, Big thank you going out
to all of you. Do O D two point zeros
have been flying off the shelves. They're free. We're allowed
to have opinions. In our opinion. It is our best
to state planning work. Yet okay, no emphasis, and yet
it's professionally bound. We've gone through palettes of these. If
(12:16):
you just got a new palate and we have a
new palot, if you don't have one yet, get to okay,
I always recommend you get to one for you, one
for your trustee, beneficiary, loved one whatever. Okay, best way,
easiest way to do it, guys is 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.
(12:36):
Use one of the clickies. You'll see those textboxes. Okay,
it'll say ask Mike and Danna questions, set your appointment,
get more info. Click on one of those. Then you're
just gonna let us know who you are, how many copies,
how we get them to you. And it is literally
that simple. If you just want to leave a phone
number whatever it happens to be let us know. We'll
get them out. They are free. Now we got to
jump into, guys, so we gotta jump in markets. I'm
(12:58):
gonna keep this super simple.
Speaker 5 (12:59):
And I'm gonna keep just throwing grenades at you.
Speaker 3 (13:03):
Okay, let Mike, I know you will. I know you will. Guys.
Here's it again, not a solicitation. Buy, sell, hold you
guys get all that. Okay, Let's just play a hypothetical.
What if Okay, and Michael always brings this up, and
he brings it up so correctly. A lot of you
guys own your favorite mutual funds. Perhaps many of you
(13:23):
bought it twenty seven years ago, fifteen years ago, four
years ago, three years ago, and it's just sitting somewhere.
You get a statement on occasion, YadA, YadA.
Speaker 4 (13:30):
YadA, and right now you're getting a tax bill.
Speaker 3 (13:33):
You get a tax bill. Right. Let me juxtapose that
with what we could do if you were so interested.
Let's talk what we call pillar three. Okay, guys, we
call this pillar three. If you want to think about
it in terms of how you can invest, recognize you
can choose any investment strategy you would like for your
value person. You can be value if you're a balanced person.
(13:54):
You can be balanced. But here's a kicker. If you
want to be growthy growth, you want to take advantage
of the pullback in all of the big names, right,
the drivers the engines of this market. Right. Anyone who
claims they haven't been their lying to themselves, Okay, and
to you.
Speaker 4 (14:10):
The math is the math.
Speaker 3 (14:11):
That's the math, right, here's the point. If you want
to take advantage, you want to be growth to growth.
I can hypothetically do this, Mike, and I'm gonna do
this quickly. I can hypothetically sit down with Dana, Mike,
I can go over a couple of portfolios that I
can put within this vehicle. Right. One happens to be
a twenty plus billion dollar hedged equity fund, in other words,
(14:33):
arguably the largest hedge fund on the face of the
earth depending on the minute, okay, meaning they're focusing on
large cap equities, the names we've talked about in the past.
They run with Google et cetera, et cetera. Right, they
have an absolutely absolutely discipline option strategy around it. So
it's a true hedge fund, guys hedged hedged, right, meaning
(14:53):
looking at protections.
Speaker 5 (14:54):
So Dan, yeah, I actually can actually know what they're owning. Correct,
it's not a black body.
Speaker 3 (14:59):
Correct.
Speaker 4 (14:59):
Correct, that's not a big secret.
Speaker 3 (15:01):
Correct correct correct. And oh, by the way, they're five
butterfly rated as far as the eye can see, so
that's not us saying it. Then what we can do is,
if you want to be even a little bit more aggressive,
we can pare that. We can pair that hedged equity fund. Right,
we can pair that with a true growth allocation fund,
(15:24):
meaning they can go up to ninety percent of the
portfolio in your favorite equities if they see fit. Okay,
that's pedal to the metal. Can't get much more aggressive
than that, right, Mike, we can again, here's the point,
four or five butterflies, wouldever you like if you want
to pair those two together hard to be more growthy growth.
(15:44):
Here's the point at the end of your time frame. Right,
we'll pick a time frame seven years. Let's you seven years,
and I wish it could be ten or fifteen.
Speaker 4 (15:53):
I can't.
Speaker 3 (15:53):
Absolutely, let's go seven years out. This is what makes
this so special, Like Dan, I can buy these these
fund that's good, Okay, great, they do. Here's the point.
If the world happens like it's happening right now. Guys,
what's going on right now has nothing to do with
the day to day operations at Amazon. Companies that rhyme
with pappal nothing to do with it, guys, nothing to
This is the world happening right now. Make no mistake,
(16:16):
separate the world from companies in their operations.
Speaker 4 (16:19):
And Dan, would you say the world is really good?
Speaker 3 (16:21):
I'm gonna say doing well. I'm just going to say
this if iving, if the world happens to happen two
weeks before your seven year term comes due, right, markets
go down twenty percent, My portfolio is down to let's
say my portfolio is down fifteen percent from where I
first invested. Guess what you do? Not lose one nickel.
Money goes right back into your pocket. That's how this works.
(16:43):
You are completely inoculated against loss. However you want to
think about it. Guys, can't lose a nickel. Now here's
the other point. If if you're working with Mike and Dan,
we're looking at our investments, we're talking about them. We
make some changes maybe along the way, and at the
end of the set even years, I make some money. Right,
Guess what you keep every penny now here you're sitting there. Well,
(17:07):
wait a minute. I keep every penny to the upside.
I can't lose a nickel to the downside. And here's
where we tie this all in. Guys, if you own
a fund in an after tax account, right taxable account,
just sitting there in this vehicle, you're not going to
receive a ten ninety nine for as long as you choose.
Speaker 4 (17:28):
So, Dan, you heard that, What the hell is ten
ninety nine?
Speaker 3 (17:31):
Ten ninety nine means that's it? It tax you?
Speaker 4 (17:33):
Oh you owe?
Speaker 3 (17:36):
You can literally place this right, You can place this
in tax deferral status for as long as you choose.
Speaker 5 (17:44):
Or or Dan, this is an email I received or quote,
Oh no, I can have access to the growth and
diversification pit I'm laughing potential of the middle market through
an investor friendly Evergreen fund. We're investing in and alongside
(18:07):
what we believe are the most valuable players in the
US middle market. Okay, Dan, I'm showing it to you. Yeah,
here's the disclosure.
Speaker 3 (18:18):
Stop stop okay, guys.
Speaker 5 (18:19):
The second page is eight thousand words that tell you
this is ill liquid. There are no limitations to what
they can do. They they might you know, possibly change
their Outlook. Uh, it's non diversified, just making this stuff.
Guy who's buying this stuff? Dan, Okay, well, let's make
(18:42):
it even cleaner for you. Let's make it even cleaner
forget we're giving people transparency protection, death benefit of state
planning tax deferral, or you can buy this.
Speaker 3 (18:52):
Note get investments. Let's keep it even simpler. You want
to own the twenty billion dollar fund that's truly hedged.
That's five butterflies, that's literally run by one of the
largest names on the face of the earth, one of
the largest megabanks. Okay, it's got the track record of
track records, That's what I was saying it you look
(19:13):
at it. Okay, and oh, by the way, I can
eliminate eliminate the possibility of loss for my investment term.
Wait a minute, it did?
Speaker 5 (19:23):
I think I'd rather have an investor of friendly evergreen far.
I don't even know what this means, but people are
putting their money in this garbage.
Speaker 3 (19:32):
I just don't get it. That's my rant for pillar
three today. Guys, if you look again, if you're looking,
if you're someone who you were not necessarily terrified right now, Okay,
maybe you're looking for something to do. You're looking to
clean up some investments, You've got some cat whatever happens
to me.
Speaker 5 (19:52):
Guys, maybe you're ready to stop paying unncessary tax years.
Speaker 3 (19:55):
Where we can start it. Let's educate. You heard that properly.
This an education shop. It's education first.
Speaker 4 (20:02):
Feedhus You don't have to be educing.
Speaker 3 (20:04):
Let's edge.
Speaker 4 (20:05):
You just want to walk in the door and say
make this go away.
Speaker 3 (20:08):
That's okay. Let's let's educate on pillar three, guys, Best
way www. Dot Madisonmanagers dot com. And again, guys, we
can't make it any cleaner than that. No. Ten ninety
nine menu of options that include what we just talked about,
butterfly ratings flying everywhere, all of the above track records,
(20:33):
growth styles, hedged positions up to ninety percent equity in
a managed diversified portfolio.
Speaker 4 (20:42):
We can't no, thanks.
Speaker 3 (20:45):
Again, cannot literally a knock. You're gonna hear this right, guys.
Inoculation against loss of principle. Okay, you heard that correct,
full what we call full upside capture, meaning if things
go well, which we hope they do, every penny is
yours at the end of the day. Okay, we can't
(21:08):
do it any better.
Speaker 5 (21:10):
You know what we never mentioned what's up? Let's say
the world does keep spinning, markets go up.
Speaker 4 (21:16):
Okay, what pillar three also.
Speaker 5 (21:19):
Allows as your account value grows, your fees go down.
Speaker 3 (21:24):
Oh but we all, well, we gotta get Mike, We
gotta get into that next segment, guys. Dan Polanski, Michael Brown.
That's pillar three. Guys, get educated. We can keep it
real simple. It doesn't get simpler than that. Www dot
Madisonmanagers dot com. Go there right now. Request some literature
on pillar three. While you're there, guys, DoD version two
point zero, Grab two copies. All of this is free. Guys,
(21:45):
just click on one of those textboxes. Let us know.
We'll see you right back.
Speaker 2 (21:50):
You are about to experience the Planning for Prosperity Show
three two.
Speaker 5 (21:57):
Here's the battles.
Speaker 3 (22:06):
Yeah, oh this is your lighthouse orchestra. See I know this.
I've heard it so much on these are as public apologize.
That's Daniel Polanski, Michael Brown, Managing Director, Michael Brown, Madison
Wealth Managers. Welcome aboard the cruise ship the Planning for
a Prosperity Radio our cruise ship electric Light Orchestra. Mister
blue Sky. Wow, is that why everybody. Everybody's a blue
(22:29):
except for me.
Speaker 4 (22:31):
Because you're gloomy and black.
Speaker 3 (22:33):
Well, I'm gloomy only guys, has he just come from
a fett no? I basically, let's begin. Let's begin the
segment as we always do. The best way to get
in touch with this at Madison to request your DoD
version two planos. They're free. That's our estate planning work. Okay,
professionally bound. You can grab a twenty twenty five tax
guy from Nationwide. While you're there, you can grab info
(22:53):
on pillar three, which, guys, we can't make it any
cleaner than we did last segment. So if you miss
last segment, we're wondering what to do. What are the
guys at Madison talking to their peeps about in this
particular market. We can't make it any simpler, any cleaner
than what we did last segment, So grab that segment
to play that back. Okay, But the best way to
(23:14):
do it, the best way to get all this info
if you want a real conversation, whatever it happens today
www dot Madison, M A D I S O N
Managers M A N A G E R S dot com. Okay,
let us know, Hey, I want dods. I want the
info I want to call from Rob whatever happens to be. Guys,
that's where you go. It's that simple.
Speaker 5 (23:35):
You know what the conversations are. Yeah, here at Madison,
it's not this and I will never do this, hey Dan, Yeah, yeah, yep.
The market's down. Hang in there. It's gonna be okay.
Markets have always rebounded. No history says it's gonna be okay. Nonsense.
Speaker 4 (23:56):
Our conversations are, Dan, we have all the of the world.
Go enjoy your day. How are the kids? And you
know what, they all go enjoy yourself. This is the
heavy lifting is taken care of.
Speaker 3 (24:09):
Guys. Here's the other thing too. Don't forget that Pillar two, okay,
and and also pillar also Mike's pillar four to an extent,
Pillar two and pillar four. When we talk about these guys, okay,
pillar two being guaranteed which draw rate for life, guaranteed
pension income, your own personal pension, whatevery, retirement income, whatever
(24:32):
you want to call it. Guys. Okay, that's pillar two. Guys.
These are stackable meaning you'll lie. This is it. It's
this simple mic because when you are here in today's
day and age, right, because we're we're mere months before
this Federal Reserve cutting rates again. And let's let's call
a spade a spade. They took a pass this, they
(24:53):
took a past this last meeting. We're mere months away, guys,
And if you want to, if you want to bet
me and Nickel on that, feel free, Okay, my opinion.
Speaker 4 (25:01):
I'm not betting against you on that.
Speaker 3 (25:02):
Don't bet against me. Here's the point, guys. You can
lock in amongst the highest guaranteed rates, both on withdrawal
levels in retirement and also on levels if you don't
touch the money. So you're five years away from retirement,
there is guaranteed growth. Yes you heard that right, guaranteed
(25:24):
growth of your withdrawal dollars each year. You don't touch
that money, regardless what the market does. So market does
better than that guaranteed rate. Hallelujah. Yeah right, cartwheels. If
market goes nowhere, guess what Your guaranteed income keeps growing
each year you don't touch it.
Speaker 5 (25:41):
So everyone has a picture of seesaw. Right, You've got
borrowers on one side, lenders on the other. Right, we
as investors, we're lenders. Yeah, right, So higher interest rates
benefit us. Now it doesn't help our kids and our grandkids.
(26:01):
But as rates come down, as you and I dan,
the lenders, we better lock in today.
Speaker 3 (26:08):
That's the key, Mic. So the point is this, guys,
these rates on both of those levels. Right when I
withdraw in retirement and if I defer my income, those
rates are amongst the highest in the past two decades. Okay,
right now, you can lock the windows closing. You lock
them in today, meaning you open an account, you fund
(26:29):
a vehicle, right, you fund the vehicle. Guess what the
next time you choose to add, whether it's be never
you have your place, whether it be in one year,
the next pullback you've got yours, rather it be when
you want to do a roll over, whatever it happens
to be. You're already in the club, guys, So you're
adding at these rates.
Speaker 4 (26:46):
So Dan, all right, this is number two to get.
Speaker 3 (26:50):
Under your skin. Are you ready? What do you got?
Speaker 4 (26:54):
Dear friend sends this to me, So we talk of out.
Speaker 5 (27:01):
Most people today's day and age have worked at different
companies throughout their career, and they have a little four
O one K here, they got a little something here,
and what we call orphaned accounts. This sounds like something
out of a James Bond movie where we need a
hero and this just came out. Quote more than thirty
(27:25):
money managers gathered to strategize how to pull America's savers
into private equity funds. Now you and I are talking
about transparency, liquidity protection, death benefits, tax deferral. What's those
(27:45):
are our core beliefs?
Speaker 4 (27:46):
Correct?
Speaker 5 (27:47):
Yeah, these guys are like the mafia, sitting around a
table and here's the quote.
Speaker 4 (27:56):
They assembled a manifesto, our.
Speaker 5 (27:59):
Ticket relating private equities, rightful position in borrowing k plans.
This is real, This is from Bloomberg. This is not pretend.
So when we talk about being simple, transparent, there's elegance
in those things. Guarantees, guarantees or do you or do
(28:20):
you want to.
Speaker 4 (28:22):
Go into this black box? Uh? And we don't know
what they're doing. Are they doing anything?
Speaker 2 (28:31):
Dan?
Speaker 3 (28:32):
Am I?
Speaker 4 (28:32):
Am? I? Am I ever going to be able to
get my money out?
Speaker 3 (28:35):
Guys?
Speaker 4 (28:35):
Am I going to have any returns? Quote?
Speaker 5 (28:39):
Obviously we need to be more diplomatic. I can't take this.
And these guys all showed up in G six airplanes
in the best billionaires and they're trying to fleece America.
Speaker 3 (28:50):
The best part of this is they're trying to wedge
private equity guys. And this is not a discussion of
private versus public equity and that what do you think
the Phis not guys. This is not that discussion. These
are the same guys that realized they were losing the
game when it comes to guaranteed income and retirement, which
Mike and I have been talking about for years. In
my opinion, Mike was one of the originators in bringing
(29:12):
this concept to you in this area and clients he
deals with all over. Okay, that's not the point. These
are the same people that realize they were losing that game,
so they're trying to wedge themselves into your retirement plans
to provide some.
Speaker 4 (29:24):
Sort of how do they get in there?
Speaker 3 (29:25):
Here? But but well we know how to get but
here's a write check. Correct. Here's the point. They're trying
to wedge. They realized they were losing that game, so
they tried to wedge themselves in there with Again, what
I can only assume is, listen, I'm not gonna say
if it's inferior, superior. If it's superior, will use it, right.
If it's some sort of superior product, we'll use it.
We're going to need a lot more in I was
gonna say, there's no info. There's no info. So when
(29:47):
there's no info, you kind of get scared.
Speaker 5 (29:49):
It's like we're waiting for Batman, but to walk in
the room with the thirty mafia dons who are stealing
all our money.
Speaker 3 (29:54):
But now, if you think about this conceptually, basically what
these quote players are set right and you know the names,
they're basically saying, we've kind of run this as far
as we can through the quote normal channels, if you will.
The ultra wealthy, the pension funds, the equity that.
Speaker 5 (30:14):
The bank tellers can't sell the story as absolutely they
can only sell the Blueberry portfolio.
Speaker 3 (30:20):
They've ran it that far. So what they're doing now
is they want to invade your four o one K
space and they and.
Speaker 4 (30:28):
You don't think they're gonna get in there. Oh they're
gonna get.
Speaker 3 (30:31):
They're gonna get. But what are they gonna call it?
Who knows what they're gonna call it?
Speaker 4 (30:36):
They got the Strawberry portfolio.
Speaker 3 (30:38):
Guys, you see where this is going on, Sherbert, Guys,
let here's the here's the point, guys. If you want
specialized investment vehicles that are part of a financial plan,
that are part of ensuring you don't lose this game. Okay,
(30:58):
you don't lose this game. You come to us at
Madison and you have a conversation with us, and you
draw on our expertise if you want highly specialized vehicles,
where again you're going to be relying on a one
eight hundred number to dole out the quote education around them.
Speaker 4 (31:20):
Now, that's funny.
Speaker 3 (31:21):
By all means, wait for them to arrive in your
favorite for one K provider, Wait for them to arrive,
and we wish you the best of luck. Here's that's all.
It's a simple damn here's it's going to have best
of luck.
Speaker 5 (31:33):
And a lot of people listening right now, well would
be shaking their heads in your old retirement plans of
whatever flavor. You didn't even know it. They just moved
your money around and it usually goes into one of
these awful target date funds. But they put numbers on
it to make you feel good. It's genius what Wall
(31:53):
Street does. So, Dan, if I was going to retire,
plan to retire in twenty thirty, twenty thirty fund sounds
like it works.
Speaker 3 (32:02):
For me, it is. Yeah, that's a great point. I
mean it's great works.
Speaker 5 (32:06):
I want the twenty thirty one fund, but I don't
know what it is. But they're gonna do the same
thing with this private your point.
Speaker 3 (32:13):
You're gonna own it, whether or not you know what,
You're gonna own it, whether you want to or not,
whether you know you own it or not, You're gonna
own You're gonna owe all of all of the above. Guys, Please,
we're all just being fleeced. Let's just keep again, Let's
keep it clean, Let's keep it super simple. Let's concentrate
(32:35):
on the pillars. Right, I'm saying a lot guys, listen,
I'm not listen, and we don't have that ego and
it's but let me put it this way, like I'm
saying a lot of chatter about pillars lately in different
well I'm seeing a lot of chatter about pillars.
Speaker 4 (32:50):
Well, they're using different.
Speaker 3 (32:53):
In different form, in different but but it's the same stuff.
I'm starting to see a lot. But again, I'm not
saying with respect to what we I'm just saying I'll
be seeing a lot of chatter about pillars, guys. Again,
as a quick refresher as we go to break. Pillar
one capital markets. This is where you're gonna have your
precious metals, your old school. This is where if you
like individual stocks, individual bonds have as we call it,
(33:16):
unprotected capital markets. That's what Pillar wanted.
Speaker 4 (33:18):
You're naked, but that's okay.
Speaker 3 (33:19):
Pillar two guaranteed with draw rates for life, guaranteed income
for life. That's your pension income, whatever you want to call.
Speaker 4 (33:25):
It for your basic needs.
Speaker 3 (33:27):
Killer three we like to call it growthy growth with protection. Okay,
think of it. It's that simple, guys. You can be
value if you want, but we like to call it
growthro growth. That's income exactly. Now. Pillar four, Pillar four, guys,
this is I am index man. I want S and
p I want a nasse.
Speaker 4 (33:42):
But guess what such a nice ring.
Speaker 3 (33:43):
In this version you can protect your downside. That's the guys.
It's that simple. Pillar one, Pillar two, Pillar three, Pillar four,
Pillar five is specialized. Guys, we're going to break. If
you want more information, please it's www. Dot Madison Managers.
Speaker 4 (33:56):
Stick around because I'm about to give Dan a heart attack.
Speaker 3 (33:58):
I love it.
Speaker 2 (33:59):
See right now, you are about to experience the planning
for prosperity.
Speaker 3 (34:06):
Show three two er pink, I can see her, Cheryl Crow,
well do be We again to everyone, give you Michael Brown.
Nice planning for a Prosperity radio hour. Welcome aboard the
(34:29):
cruise ship. Again if you're new to the game, we
reveal the theme in this segment. The theme was Spring.
So thank you mister producer. Thank you Mary, if you had,
if you had a sign and the coats I think
they are. But the problem is is mister producer sometimes
claims that he did it without assistance, even though we
know he's going to the drawer. We know he's going
(34:51):
to the drawer of the drawer of ideas shall we
call it the drawer of ideas.
Speaker 4 (34:56):
Meaning he picks up the phone, calls Mary.
Speaker 3 (34:57):
Absolutely happy, happily to everyone. Guys. This has been all
about keeping it simple this week. So let's keep this
super simple. If you do not have DoD version two
point zero, that is in our opinion, again, you want
us to have opinions, and we are allowed to have
opinions or the tax guide or the tax guide if
you do not have DoD version two point zer, which
again in our opinion, is our best estate planning work
(35:19):
at it's professionally bound. The tax guide is for twenty
twenty five, so again it's gonna help you plan ahead,
which is what we like to do here. It's brought
to you by Nationwide, one of literally one of the
largest insurers ever on the face of the planet. They
put this together for us. If you want either or
we make this super simple. It's free. It's truly free.
There's no shipping, there's no taking a credit card number.
(35:40):
There's none of that, guys. There's no vitamins that are
gonna come in the mail that you didn't know about.
None of that. Again, just let us know. It's www
dot Madison Managers dot com. That's m A D I
S O N M A N A G E R
S dot com. Use one of the but the buttons, guys,
I maybe did this wrong too for a while, really
text boxes, I don't think they're they're buttons. If you will, right,
(36:04):
everyone's use them imail, but I for the noobies, Mike,
for those that aren't on.
Speaker 5 (36:09):
The Clue cruise a bit, they haven't bet on the
Google machine yet, click on click on the they'll say,
ask Mike and Dan.
Speaker 3 (36:15):
They'll say, set an appointment. Whatever it happens to be.
Just click on that and then you're just gonna let
us know. Hey, I want two D D two point Oh,
my name's Dan Polanski. Here's my phone number, or here's
my email address. Please get in touch with me, or
here's my address, right, Please send it to six fifty
nine Plank Road, Clifton Park. You guys, get the drill.
It's that easy. If you want nation wine, let us know.
Nationwide can be emailed. I think that's okay to be emailed, right,
(36:38):
you do do two point zho you don't want that
emailed and you want to take advantage of the fact
that Again, guys, this is professionally bound. This is meant
for your library. Okay, it really is. But Nationwide Tax
Guide can be emailed any information, any information on the pillars,
right if you listen to I believe with segment two, right, Mike,
Where again, we just kept it so clean because we've
gotten so many questions from you this what do I do?
(37:01):
What do I do? What do I do? What do
I do?
Speaker 5 (37:04):
Here's what you don't do? Oh boy, akay, ready are
you feeling okay? Because your blood pressure is about to
go up? Quote if markets remain Rocky. So either because
of the Trump trade war, soft economic data, we need
to find undervalued securities our favorite defensive strategy. Right, that
(37:31):
sounds pretty good, right right? They got my attention. They said, well,
over the last decade, we've significantly underperformed the S and
P five hundred. But now, Dan, should I care about
that or should I care about telling my kids? Here
are the things that are going to happen after I die,
(37:53):
before you get money. And this is what the common
mistakes executors may that my brother Steve ut is going
to avoid.
Speaker 3 (38:04):
What's more, tell us where are you taking this from?
And what is the title of the white paper?
Speaker 4 (38:09):
Most common executive mistakes?
Speaker 3 (38:10):
Okay, to understand when when? If you want this white
paper again, it comes professionally bound in D D two
point oh. Right again, guys, this is what we're talking
about when we say request your freebies. This is all
within D O D version two point oho. Okay, all
you have to do is let us know how many
copies again, it's Madison Managers dot com. Just let us know.
Speaker 5 (38:27):
So the important part is I am I am not
going to allow the I R. S or New York
State to steal my kids money right through probate, court costs,
legal fees, forensic accounting, all the nonsense. Right, Well, if
my brother who's going to be executor and trustee didn't
(38:50):
have the do O D, he could be fleeced, meaning
my kids get fleeced. It got this, let me we
talk about this every single segment. This isn't for you,
it's for your kids, it's for your spouse, it's for
your beneficiaries. That's who's gonna benefit and not get fleeced.
Speaker 3 (39:13):
Mike, if I, if I like the sounds of pillar two,
which we talk about all the time, right, if I
like the sounds of it, and make no mistake as
the money the money managers that are hired within pillar two,
they're looking for the same undervalued securities make them. But
they're not looking for overvalued securities. They're looking to do
this is nonsense. They're looking to a really great job.
But but along with that, along with their teams, right,
(39:33):
who are looking for undervalued securities, looking to a really
great job. Right with respect to rates of return, you
also get a guaranteed pension for life. Okay, just so
just for plying, now here's here, here's my point tying
it all back to a state planning Mike, do I
have built an estate planning within my pillar two investment?
Speaker 5 (39:50):
Well, you do because you list your beneficiaries and so
you avoid probate.
Speaker 3 (39:57):
Okay, talk to me about this too, Mike. Let's say again,
I I select these money managers, which I'm gonna do anyways, right,
I put one hundred thousand in, and the world happens
like it just did, and the one hundred thousand goes
to eighty thousand, and I pass away. Within that built in,
built in estate planning function, Mike, do I get what
we call true beneficiary protection, meaning my beneficiaries magically get
(40:17):
one hundred thousand dollars as opposed to the eighty that
my neighbor's getting.
Speaker 4 (40:20):
They get the money back.
Speaker 3 (40:21):
Okay, good, good, Now let's go to pillar three. Let's
go to pillar three, which again we call growthy growth
with protection, meaning, now, guys, in version two point zero
pillar three, you have full inoculation against LUSS. In other words,
you put one hundred thousand dollars in. At the end
of your term, regardless of what happens with the world,
you're gonna at minimum get your hundred thousand dollars back.
Speaker 4 (40:39):
If the war my kids are.
Speaker 3 (40:40):
If the world spins up beautifully, world spins up beautifully,
guess what you're gonna get parade, all the dough hip
at parade. Now here's my point with respect to built
in estate planning, Mike, if I engage in pillar three,
do do I have built in estate planning?
Speaker 4 (40:54):
Same idea.
Speaker 5 (40:55):
I'm naming my kiddos as my beneficiary, non my spouse.
Speaker 3 (41:00):
So nonprobate, non will. All they have to do is
talk to Danamite.
Speaker 5 (41:03):
Here's the difference. Dan, you go through probate. We're talking
months and months and months before the beneficiary club gets
their money with our pillars. The minute I get a
death certificate from the funeral home, I submit it to
our investment companies.
Speaker 4 (41:21):
It's days. Okay, Well that weeks not months.
Speaker 1 (41:25):
Ye.
Speaker 3 (41:26):
Well, let's play this game again. Let me play this
game again. Pillar three. You know what Pillar two we
just talked about. When I put one hundred thousand in
the world happens like it just did. One hundred thousand
goes to eighty thousand. I pass away, my loved ones
gets get one hundred thousand dollars. Right, my neighbor, my
neighbor's kids, they get eighty okay.
Speaker 4 (41:41):
Correct.
Speaker 3 (41:42):
Now again Pillar three, growth through growth with protection. Okay,
same thing I put one hundred thousand in the world
just happened. It went to eighty thousand. I pass away, Michael.
What do my beneficiaries get?
Speaker 4 (41:53):
They get the full dollar, they get the hundred thousand.
Right now, they have an option out.
Speaker 3 (41:58):
Let's not let's know, I'm gonna go I love I'm
gonnat it off. I know, but again, guys, we just
making this super simple. Pillar four. This is Mike. This
is what Mike brought to this area. First, I do
believe that I can say that with almost certainty. But
I can say this. I know he does it best. Okay,
here's the point. Pillar four. I'm index boy, Index boy, right,
(42:20):
I'm s and pee boy. I'm askedec boy. I mix
it fifty to fifty. I want. I want my Burkies,
I want my Hoogles. I mix it fifty to fifty.
And I'm so smart. I don't want active management. I
just want Index boy. Okay. I get protections in pillar four.
We're not going to get into that. Though I get
protections year to year, I can have protections over the
(42:41):
whole life whatever I like. Okay, that's up to Mike
to explains.
Speaker 4 (42:43):
To take a warm fuzzy.
Speaker 3 (42:44):
Here's the point. Here's the point. I put one hundred
thousand dollars in and it drops the eighty. Michael, when
we talked about built to a state living, what do
my beneficiaries get the dollar they get the hot thing?
Think they get the one hundred thousand dollars, I think,
get the full about my neighbor. My neighbor who's so
super start, my neighbor who is the smartest man. He's
asking p man, Oh you Curt beat you you should
(43:07):
be five hundred. You can't beat it. Well, he put
one hundred thousand dollars in. Okay, market pulled back to
eighty thousand. He passed away sadly, Michael, what do his
kids get the eighty? Okay? Cool? Okay. So at the
end of the day, it wasn't so super smart, was it?
Speaker 4 (43:23):
Well? It felt okay.
Speaker 3 (43:26):
Mappens. Now, guys, what we've done here is we've displayed
that of our core four pillars core four pillars, three
of the four seventy five percent of the options have
built in estate planning. No fudgies, no mistakes, no anything.
Speaker 4 (43:48):
Courts, no attorneys.
Speaker 3 (43:51):
Not only that guy gave money. They have what Mike
and I like to call SHWU beneficiary protection, meaning if
something goes oopsie in the night. Okay, your beneficiaries are
at minimum going to get what you put into said
in investment vehicle, assuming you didn't withdraw you guys, get
(44:13):
the picture. Guys, here's can you make it any cleaner?
Here's the difference any simpler.
Speaker 5 (44:21):
We have, dear friends at are attorneys, the state attorneys
we have, we hire them. The legal profession has a
built in conflict of interest. When I die, they get
paid more and more the longer my estate goes in
probate goes in la la land, when my kids don't
(44:42):
get paid versus, we have built in estate planning. You
know what our goal is, get the kids the money.
Speaker 3 (44:49):
Yesterday, well said Mike. Let me let me guys, I'm
gonna wrap up like this, okay, because I think a
lot of you. You know, you're calling your your advisors
and rightfully so, okay, and you're actually looking for advice. Okay,
that's part of the problem. Okay, you're actually looking for
advice from your advisors. That's part of the problem. Guys.
I was blown away with what one of you showed me.
(45:12):
And you're now in the cruise ship. Okay, you're on
the haven. You're in the You're not you're in the
haven now and you know who you are listening or
you're listening right now. You're on the cruise ship. You
love pillar three, and you love pillar two, and you
also want a little capital markets. Okayn, you understand now
what it means to be naked. You're exactly right. Now.
Here's the thing. You finally decided to call us because
(45:34):
one of your advisors left and you got to quote
propose Houll from the new advisor. Guys, I'm gonna leave
you with this. There were four thousand colors on the
pie chart on the beginning. There were four thousand colors.
There is no way. And you said this not me,
You said, Dan, I don't have the time for this
to even be explained to me. I said, no, that's
(45:54):
the trick that's Therein is the trick. Guys. Let's keep
it super simple. Guys. Great being with you this weekend.
As always, We love you you guys. Make this thing go,
keep it twirling, guys. D O D two point zeros
tax guys from nationwide. All the info on we we
focus really on pillar three this week. All the info
you could want on Pillar three guys. It's all free.
(46:15):
Make it, Make it world www. Dot Madisonmanagers dot com,
M A, D I, S O N Managers dot com.
Click on one of those buttons. We'll talk to you
in the office. See that
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
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are subject to change without notification. The information presented is
(00:44):
provided for informational purposes only and not to be construed
as a recommendation or solicitation. Investors must make their own
determination as to the appropriateness of an investment or strategy
based on their specific investment objectives financial status and risk tolerance.
Past performance is not an indication of future results investments
in vol of risk and the possible loss of principle.
Speaker 2 (01:04):
You are about to experience the planning for prosperity show
in three two.
Speaker 3 (01:18):
Battles. Nice, okay, happy weekend everyone. I like this, Dan Polanski,
Michael Brown, managing director, Michael. Yeah, oh, here this morning
is coming, Here comes the sun.
Speaker 4 (01:32):
Wow, you have a new look today.
Speaker 3 (01:35):
Thank you, Michael. Yeah, I do. I've got the sweat hair.
I've got the full sweat hair. Everyone food for thought,
although you probably don't want that, but I've.
Speaker 5 (01:41):
Got the producer is without as they say, psalms tie.
I only want to dressed for the day.
Speaker 3 (01:47):
Apps and Michael is in full pink. Is that a
pink purple tie? Pink purple? What would you call it?
Pink purple? Pink purple juxtaposed against a sure that is?
It is nice? Yeah, because you could spill your hot
dog on it.
Speaker 4 (02:01):
It's from Sears.
Speaker 3 (02:02):
Yeah. I was gonna say, you could spill your hot
dog on that way and it wipes it right off. Yeah, yeah, No,
that's that's nice. Yeh Chester, you look the nice Michael
very nice you everyone. As you know, we're please and
thank you to the core here at Madison. We do
believe if nothing else separates us from the crowd, or
if you believe nothing else separates us, if you're of
that belief, we truly believe in being pleased and thank
(02:26):
you because simply put, no one, no one does it anymore,
and it's in our blood, it's what we do. So
we are saying thank you to all of you who
over the past few weeks it's been nearly NonStop from you,
So again, big thank you.
Speaker 4 (02:40):
This everybody can just take a deep breath of a pause.
Speaker 3 (02:43):
Here, No, no, no, keep it coming, guys, we can't
come up. It has been the requests have been across
the board. Really do O D two point zeros write
that again, we're allowed to have opinions. You want us
to have opinions, and in our opinion, that is our
best estate planning work yet and it is professionally. Again,
we've been talking about specific articles in there. Okay, we
(03:06):
call them consumer grade right because we want them, we
have them written. We write them for you in the
spirit as to how we would enjoy them. Right, bullet
point to the point don't waste our time.
Speaker 4 (03:21):
It's how can I actually absorb this?
Speaker 3 (03:24):
Absolutely? Now Here's here's the thing, guys, And what really,
what really brought this about is we had a conversation
on these airs with you, maybe a month ago or
six weeks ago now, where we talked about the fact
that I overlooked one of the white papers within the
DoD two point zero. It's entitled what to Do when
(03:47):
a loved One Dies.
Speaker 4 (03:48):
I might have it ear marked.
Speaker 3 (03:49):
Michael does have an ear marked here right in front
of us, guys. Point is this I passed it over.
I kind of poo pooed it because my favorite white
paper has always been the estate plan timeline, which is gold.
It's gold.
Speaker 4 (04:04):
And let me just interrupt you for one second.
Speaker 5 (04:08):
The do O D I don't believe is what people
think it should be. It's one thing, Dan, if I'm dad,
I'm grandpa. It's another thing if I task you with
overseeing my affairs when I'm gone, it's for you.
Speaker 4 (04:29):
It's your playbook.
Speaker 5 (04:31):
It's to stop the infighting when it happens. No one
wants to believe this. Every loves their kids, they think
they get along great.
Speaker 4 (04:40):
They don't.
Speaker 5 (04:41):
And when it comes to money. Someone has to be
able to say, whole time, we got to play first
down before we play second down, before the third down,
before the fourth down.
Speaker 4 (04:52):
This is how you explain it to the other people.
Speaker 3 (04:55):
This is it is so good it really, guys, Mike,
if if the timeline, the state planning timeline, is gold,
this is platinum. Okay, simply put so, because this comes
first point exactly right point being guys, this is first down.
If you don't have d D version two point zero,
we make it this simple. Just simply go to www
(05:18):
dot Madisonmanagers dot com. It's m A D I S
O N m A N A G E r s
dot com. Use one of the clickies. There's the clickie
buttons there that say I have a question, ask Mike
and Dan, send an appointment. Pick any one of them.
Click on it right, use your mouse or whatever those
things are, click on it, and then just say, hey,
I want two copies of the D O D. Here's
(05:39):
how you get them to me, Here's how you get
in touch with me whatever it happens to bay and
we send them for free. You heard that correctly, We
ship them for free. So again, guys, we make it
super super easy. Take us up on it. Again, there's
absolutely no costs. There's so many of you. Now, no,
we've been through palette after palette of these, but keep
(06:01):
it up, because again, what to do when a loved
one dies? It is Mike. It's again to use the
precious metals analogy. It is platinum. I mean it is
literally sheer platinum.
Speaker 5 (06:13):
It's necessary because the fraudsters, the scammers, the thieves, the
identity thieves are one step ahead of all of us.
Let's just admit it. Yeah, right, they're better at this
than us. This is what they do all day. So
when you read what to Do when a Loved One Dies,
it's a little bit of armor against these awful, awful hackers.
Speaker 3 (06:37):
Mike. And again there's so many items, and we mention
this all the time. Is that when we all sat
down as a group here at Madison and put together
what to do when a loved one dies? Right, it
got spice seventy It was a spicy guy. It was Mike.
But seventy five, I'll say a good three quarters of
it we wouldn't have come up with on our own
individually or anything along those, because it was real life, simply. Yeah,
(07:02):
And that's that's exactly, guys.
Speaker 5 (07:04):
And everyone needs to know where does most of the
fraud Dan and the hacking come from. I hate to
say it, it's government agencies. You think the DMV is
the most.
Speaker 3 (07:16):
Secure, the targets targets.
Speaker 5 (07:21):
So when if I pass away, you're my trustee, you
go to the DMV tomorrow with my death certificate and
stop my information.
Speaker 3 (07:29):
Yeah. Well, well done, Mike, Very very very very well done, Mike.
So again, guys, d O D version two point zero
www dot Madison Managers dot com. Just use one of
the clickies clicking on it and let us know how
many copies now the other item. Since it's tax time,
Michael and I was actually reminded of this this morning
(07:54):
from one of our friends at Gorlaney. Okay, Dan, what
do you guys do for tax season? I said? Why? Crying?
I said, why, Jennifer, you know what we're doing. We
are giving out for free the Nationwide You heard that right, guys,
the Megan sure right. We are handing out the Nationwide
(08:15):
twoenty twenty five you heard that right, everyone, twenty twenty
five Tax Planning Guide. And do you know what she said, Mike?
She said, Dan, you have no idea. How valuable that is?
I said, well, no, I've got a pretty good idea.
(08:35):
We're trying to get it out to as many people
as we possibly can because Jen made the point, and
she said that just a little bit of education, a
little bit of information, can make taxes and tax season
so much less daunting for so many of us. It's
(08:56):
that simple, mind.
Speaker 5 (08:57):
It's not just the I have to gather all my
documents in a shoebox.
Speaker 3 (09:01):
Oh yeah, who cares about that.
Speaker 5 (09:03):
It's wait a minute, I just got a tax bill
for this mutual fund that lost me money.
Speaker 3 (09:11):
Wait, wait, wait, what remind me of that mic? Because
we're going to get into this, guys, and I want
to dedicate so much of the show.
Speaker 4 (09:18):
And everybody listening.
Speaker 5 (09:19):
I don't have one, not two, but three doozies to
get Dan's blood pressure off.
Speaker 4 (09:25):
And in the next segment it's got to get interesting.
Speaker 3 (09:27):
And guys, again, we've gotten so many questions from those
of you who aren't involved in the Pillars. Okay, you're
not involved in the Pillars. You don't have you don't
have a Pillared plan.
Speaker 4 (09:37):
Oh they're coming.
Speaker 3 (09:38):
We've gotten so many questions.
Speaker 5 (09:40):
Because they're so upset at what they have to do
to the for the irs now.
Speaker 3 (09:44):
And Michael knows. Michael knows that I have the notepad here.
I have the notepad and I write these down during
the week. What do I do? What do I do?
What do I do I have? What do I do? Again? Guys,
not written down twenty times, but it's written down seven times.
This were from listeners such as yourselves calling in. We're
regarding this latest what do you want to call it,
Mike Stratchtel of markets that we're in this latest uh
(10:07):
goober of a market that we're in. What what? What
do you want to call it? Mike?
Speaker 4 (10:11):
I want to call it a charade.
Speaker 3 (10:13):
Let's call it whatever you want to call it. But
we're going to help you out. Guys. Www dot Madison
Managers dot com grab your d o D version two
point zero is just do the clicking. Let us know
how we get them to you. We will get them
out for free. We'll see you right back.
Speaker 2 (10:29):
You are about to experience the Planning for Prosperity show
A three two.
Speaker 3 (10:40):
He's going to be Brah Marvin Gang, Daniel Planski Managing director,
Michael Brown. I don't know me again.
Speaker 4 (10:53):
I'm embarrassed that I don't know the ojs.
Speaker 3 (10:56):
No Johnny Nash? Is it not Johnny Cash? Oh, we
would have never gotten that.
Speaker 4 (11:02):
Who the hell's Johnny Nash?
Speaker 3 (11:03):
I don't know. Congrats If you got that everyone, I
like it. Who's that guy? Great job? If you nailed that. Everyone, Now,
don't forget. If you're new to the show.
Speaker 4 (11:12):
I know what's already happening each week.
Speaker 3 (11:15):
This is not the musical intern ludes. Are not there
just to have musical interludes, although we do enjoy them.
Mister producer, he works with one of our super fans,
of our super clients, and they put together themes for
the show.
Speaker 4 (11:29):
How in the world did Mary overtake the show?
Speaker 3 (11:33):
It's just done a great job. When you when you're
excellent to what you do, you just overrun everything. It's
like it's like it's like, if I were to use
a basketball analogy, it's like, if you're lebron you just
take it over. I mean, when you're fourteen and you're
taking over NBA games, I mean, that's that's going to
the end of it. If you just you just overrun it,
you take you take your bulldozer and you run, you
run it. Over guys, again, big thank you if you
(11:56):
weren't with us first segment, Big thank you going out
to all of you. Do O D two point zeros
have been flying off the shelves. They're free. We're allowed
to have opinions. In our opinion. It is our best
to state planning work. Yet okay, no emphasis, and yet
it's professionally bound. We've gone through palettes of these. If
(12:16):
you just got a new palate and we have a
new palot, if you don't have one yet, get to okay,
I always recommend you get to one for you, one
for your trustee, beneficiary, loved one whatever. Okay, best way,
easiest way to do it, guys is 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.
(12:36):
Use one of the clickies. You'll see those textboxes. Okay,
it'll say ask Mike and Danna questions, set your appointment,
get more info. Click on one of those. Then you're
just gonna let us know who you are, how many copies,
how we get them to you. And it is literally
that simple. If you just want to leave a phone
number whatever it happens to be let us know. We'll
get them out. They are free. Now we got to
jump into, guys, so we gotta jump in markets. I'm
(12:58):
gonna keep this super simple.
Speaker 5 (12:59):
And I'm gonna keep just throwing grenades at you.
Speaker 3 (13:03):
Okay, let Mike, I know you will. I know you will. Guys.
Here's it again, not a solicitation. Buy, sell, hold you
guys get all that. Okay, Let's just play a hypothetical.
What if Okay, and Michael always brings this up, and
he brings it up so correctly. A lot of you
guys own your favorite mutual funds. Perhaps many of you
(13:23):
bought it twenty seven years ago, fifteen years ago, four
years ago, three years ago, and it's just sitting somewhere.
You get a statement on occasion, YadA, YadA.
Speaker 4 (13:30):
YadA, and right now you're getting a tax bill.
Speaker 3 (13:33):
You get a tax bill. Right. Let me juxtapose that
with what we could do if you were so interested.
Let's talk what we call pillar three. Okay, guys, we
call this pillar three. If you want to think about
it in terms of how you can invest, recognize you
can choose any investment strategy you would like for your
value person. You can be value if you're a balanced person.
(13:54):
You can be balanced. But here's a kicker. If you
want to be growthy growth, you want to take advantage
of the pullback in all of the big names, right,
the drivers the engines of this market. Right. Anyone who
claims they haven't been their lying to themselves, Okay, and
to you.
Speaker 4 (14:10):
The math is the math.
Speaker 3 (14:11):
That's the math, right, here's the point. If you want
to take advantage, you want to be growth to growth.
I can hypothetically do this, Mike, and I'm gonna do
this quickly. I can hypothetically sit down with Dana, Mike,
I can go over a couple of portfolios that I
can put within this vehicle. Right. One happens to be
a twenty plus billion dollar hedged equity fund, in other words,
(14:33):
arguably the largest hedge fund on the face of the
earth depending on the minute, okay, meaning they're focusing on
large cap equities, the names we've talked about in the past.
They run with Google et cetera, et cetera. Right, they
have an absolutely absolutely discipline option strategy around it. So
it's a true hedge fund, guys hedged hedged, right, meaning
(14:53):
looking at protections.
Speaker 5 (14:54):
So Dan, yeah, I actually can actually know what they're owning. Correct,
it's not a black body.
Speaker 3 (14:59):
Correct.
Speaker 4 (14:59):
Correct, that's not a big secret.
Speaker 3 (15:01):
Correct correct correct. And oh, by the way, they're five
butterfly rated as far as the eye can see, so
that's not us saying it. Then what we can do is,
if you want to be even a little bit more aggressive,
we can pare that. We can pair that hedged equity fund. Right,
we can pair that with a true growth allocation fund,
(15:24):
meaning they can go up to ninety percent of the
portfolio in your favorite equities if they see fit. Okay,
that's pedal to the metal. Can't get much more aggressive
than that, right, Mike, we can again, here's the point,
four or five butterflies, wouldever you like if you want
to pair those two together hard to be more growthy growth.
(15:44):
Here's the point at the end of your time frame. Right,
we'll pick a time frame seven years. Let's you seven years,
and I wish it could be ten or fifteen.
Speaker 4 (15:53):
I can't.
Speaker 3 (15:53):
Absolutely, let's go seven years out. This is what makes
this so special, Like Dan, I can buy these these
fund that's good, Okay, great, they do. Here's the point.
If the world happens like it's happening right now. Guys,
what's going on right now has nothing to do with
the day to day operations at Amazon. Companies that rhyme
with pappal nothing to do with it, guys, nothing to
This is the world happening right now. Make no mistake,
(16:16):
separate the world from companies in their operations.
Speaker 4 (16:19):
And Dan, would you say the world is really good?
Speaker 3 (16:21):
I'm gonna say doing well. I'm just going to say
this if iving, if the world happens to happen two
weeks before your seven year term comes due, right, markets
go down twenty percent, My portfolio is down to let's
say my portfolio is down fifteen percent from where I
first invested. Guess what you do? Not lose one nickel.
Money goes right back into your pocket. That's how this works.
(16:43):
You are completely inoculated against loss. However you want to
think about it. Guys, can't lose a nickel. Now here's
the other point. If if you're working with Mike and Dan,
we're looking at our investments, we're talking about them. We
make some changes maybe along the way, and at the
end of the set even years, I make some money. Right,
Guess what you keep every penny now here you're sitting there. Well,
(17:07):
wait a minute. I keep every penny to the upside.
I can't lose a nickel to the downside. And here's
where we tie this all in. Guys, if you own
a fund in an after tax account, right taxable account,
just sitting there in this vehicle, you're not going to
receive a ten ninety nine for as long as you choose.
Speaker 4 (17:28):
So, Dan, you heard that, What the hell is ten
ninety nine?
Speaker 3 (17:31):
Ten ninety nine means that's it? It tax you?
Speaker 4 (17:33):
Oh you owe?
Speaker 3 (17:36):
You can literally place this right, You can place this
in tax deferral status for as long as you choose.
Speaker 5 (17:44):
Or or Dan, this is an email I received or quote,
Oh no, I can have access to the growth and
diversification pit I'm laughing potential of the middle market through
an investor friendly Evergreen fund. We're investing in and alongside
(18:07):
what we believe are the most valuable players in the
US middle market. Okay, Dan, I'm showing it to you. Yeah,
here's the disclosure.
Speaker 3 (18:18):
Stop stop okay, guys.
Speaker 5 (18:19):
The second page is eight thousand words that tell you
this is ill liquid. There are no limitations to what
they can do. They they might you know, possibly change
their Outlook. Uh, it's non diversified, just making this stuff.
Guy who's buying this stuff? Dan, Okay, well, let's make
(18:42):
it even cleaner for you. Let's make it even cleaner
forget we're giving people transparency protection, death benefit of state
planning tax deferral, or you can buy this.
Speaker 3 (18:52):
Note get investments. Let's keep it even simpler. You want
to own the twenty billion dollar fund that's truly hedged.
That's five butterflies, that's literally run by one of the
largest names on the face of the earth, one of
the largest megabanks. Okay, it's got the track record of
track records, That's what I was saying it you look
(19:13):
at it. Okay, and oh, by the way, I can
eliminate eliminate the possibility of loss for my investment term.
Wait a minute, it did?
Speaker 5 (19:23):
I think I'd rather have an investor of friendly evergreen far.
I don't even know what this means, but people are
putting their money in this garbage.
Speaker 3 (19:32):
I just don't get it. That's my rant for pillar
three today. Guys, if you look again, if you're looking,
if you're someone who you were not necessarily terrified right now, Okay,
maybe you're looking for something to do. You're looking to
clean up some investments, You've got some cat whatever happens
to me.
Speaker 5 (19:52):
Guys, maybe you're ready to stop paying unncessary tax years.
Speaker 3 (19:55):
Where we can start it. Let's educate. You heard that properly.
This an education shop. It's education first.
Speaker 4 (20:02):
Feedhus You don't have to be educing.
Speaker 3 (20:04):
Let's edge.
Speaker 4 (20:05):
You just want to walk in the door and say
make this go away.
Speaker 3 (20:08):
That's okay. Let's let's educate on pillar three, guys, Best
way www. Dot Madisonmanagers dot com. And again, guys, we
can't make it any cleaner than that. No. Ten ninety
nine menu of options that include what we just talked about,
butterfly ratings flying everywhere, all of the above track records,
(20:33):
growth styles, hedged positions up to ninety percent equity in
a managed diversified portfolio.
Speaker 4 (20:42):
We can't no, thanks.
Speaker 3 (20:45):
Again, cannot literally a knock. You're gonna hear this right, guys.
Inoculation against loss of principle. Okay, you heard that correct,
full what we call full upside capture, meaning if things
go well, which we hope they do, every penny is
yours at the end of the day. Okay, we can't
(21:08):
do it any better.
Speaker 5 (21:10):
You know what we never mentioned what's up? Let's say
the world does keep spinning, markets go up.
Speaker 4 (21:16):
Okay, what pillar three also.
Speaker 5 (21:19):
Allows as your account value grows, your fees go down.
Speaker 3 (21:24):
Oh but we all, well, we gotta get Mike, We
gotta get into that next segment, guys. Dan Polanski, Michael Brown.
That's pillar three. Guys, get educated. We can keep it
real simple. It doesn't get simpler than that. Www dot
Madisonmanagers dot com. Go there right now. Request some literature
on pillar three. While you're there, guys, DoD version two
point zero, Grab two copies. All of this is free. Guys,
(21:45):
just click on one of those textboxes. Let us know.
We'll see you right back.
Speaker 2 (21:50):
You are about to experience the Planning for Prosperity Show
three two.
Speaker 5 (21:57):
Here's the battles.
Speaker 3 (22:06):
Yeah, oh this is your lighthouse orchestra. See I know this.
I've heard it so much on these are as public apologize.
That's Daniel Polanski, Michael Brown, Managing Director, Michael Brown, Madison
Wealth Managers. Welcome aboard the cruise ship the Planning for
a Prosperity Radio our cruise ship electric Light Orchestra. Mister
blue Sky. Wow, is that why everybody. Everybody's a blue
(22:29):
except for me.
Speaker 4 (22:31):
Because you're gloomy and black.
Speaker 3 (22:33):
Well, I'm gloomy only guys, has he just come from
a fett no? I basically, let's begin. Let's begin the
segment as we always do. The best way to get
in touch with this at Madison to request your DoD
version two planos. They're free. That's our estate planning work. Okay,
professionally bound. You can grab a twenty twenty five tax
guy from Nationwide. While you're there, you can grab info
(22:53):
on pillar three, which, guys, we can't make it any
cleaner than we did last segment. So if you miss
last segment, we're wondering what to do. What are the
guys at Madison talking to their peeps about in this
particular market. We can't make it any simpler, any cleaner
than what we did last segment, So grab that segment
to play that back. Okay, But the best way to
(23:14):
do it, the best way to get all this info
if you want a real conversation, whatever it happens today
www dot Madison, M A D I S O N
Managers M A N A G E R S dot com. Okay,
let us know, Hey, I want dods. I want the
info I want to call from Rob whatever happens to be. Guys,
that's where you go. It's that simple.
Speaker 5 (23:35):
You know what the conversations are. Yeah, here at Madison,
it's not this and I will never do this, hey Dan, Yeah, yeah, yep.
The market's down. Hang in there. It's gonna be okay.
Markets have always rebounded. No history says it's gonna be okay. Nonsense.
Speaker 4 (23:56):
Our conversations are, Dan, we have all the of the world.
Go enjoy your day. How are the kids? And you
know what, they all go enjoy yourself. This is the
heavy lifting is taken care of.
Speaker 3 (24:09):
Guys. Here's the other thing too. Don't forget that Pillar two, okay,
and and also pillar also Mike's pillar four to an extent,
Pillar two and pillar four. When we talk about these guys, okay,
pillar two being guaranteed which draw rate for life, guaranteed
pension income, your own personal pension, whatevery, retirement income, whatever
(24:32):
you want to call it. Guys. Okay, that's pillar two. Guys.
These are stackable meaning you'll lie. This is it. It's
this simple mic because when you are here in today's
day and age, right, because we're we're mere months before
this Federal Reserve cutting rates again. And let's let's call
a spade a spade. They took a pass this, they
(24:53):
took a past this last meeting. We're mere months away, guys,
And if you want to, if you want to bet
me and Nickel on that, feel free, Okay, my opinion.
Speaker 4 (25:01):
I'm not betting against you on that.
Speaker 3 (25:02):
Don't bet against me. Here's the point, guys. You can
lock in amongst the highest guaranteed rates, both on withdrawal
levels in retirement and also on levels if you don't
touch the money. So you're five years away from retirement,
there is guaranteed growth. Yes you heard that right, guaranteed
(25:24):
growth of your withdrawal dollars each year. You don't touch
that money, regardless what the market does. So market does
better than that guaranteed rate. Hallelujah. Yeah right, cartwheels. If
market goes nowhere, guess what Your guaranteed income keeps growing
each year you don't touch it.
Speaker 5 (25:41):
So everyone has a picture of seesaw. Right, You've got
borrowers on one side, lenders on the other. Right, we
as investors, we're lenders. Yeah, right, So higher interest rates
benefit us. Now it doesn't help our kids and our grandkids.
(26:01):
But as rates come down, as you and I dan,
the lenders, we better lock in today.
Speaker 3 (26:08):
That's the key, Mic. So the point is this, guys,
these rates on both of those levels. Right when I
withdraw in retirement and if I defer my income, those
rates are amongst the highest in the past two decades. Okay,
right now, you can lock the windows closing. You lock
them in today, meaning you open an account, you fund
(26:29):
a vehicle, right, you fund the vehicle. Guess what the
next time you choose to add, whether it's be never
you have your place, whether it be in one year,
the next pullback you've got yours, rather it be when
you want to do a roll over, whatever it happens
to be. You're already in the club, guys, So you're
adding at these rates.
Speaker 4 (26:46):
So Dan, all right, this is number two to get.
Speaker 3 (26:50):
Under your skin. Are you ready? What do you got?
Speaker 4 (26:54):
Dear friend sends this to me, So we talk of out.
Speaker 5 (27:01):
Most people today's day and age have worked at different
companies throughout their career, and they have a little four
O one K here, they got a little something here,
and what we call orphaned accounts. This sounds like something
out of a James Bond movie where we need a
hero and this just came out. Quote more than thirty
(27:25):
money managers gathered to strategize how to pull America's savers
into private equity funds. Now you and I are talking
about transparency, liquidity protection, death benefits, tax deferral. What's those
(27:45):
are our core beliefs?
Speaker 4 (27:46):
Correct?
Speaker 5 (27:47):
Yeah, these guys are like the mafia, sitting around a
table and here's the quote.
Speaker 4 (27:56):
They assembled a manifesto, our.
Speaker 5 (27:59):
Ticket relating private equities, rightful position in borrowing k plans.
This is real, This is from Bloomberg. This is not pretend.
So when we talk about being simple, transparent, there's elegance
in those things. Guarantees, guarantees or do you or do
(28:20):
you want to.
Speaker 4 (28:22):
Go into this black box? Uh? And we don't know
what they're doing. Are they doing anything?
Speaker 2 (28:31):
Dan?
Speaker 3 (28:32):
Am I?
Speaker 4 (28:32):
Am? I? Am I ever going to be able to
get my money out?
Speaker 3 (28:35):
Guys?
Speaker 4 (28:35):
Am I going to have any returns? Quote?
Speaker 5 (28:39):
Obviously we need to be more diplomatic. I can't take this.
And these guys all showed up in G six airplanes
in the best billionaires and they're trying to fleece America.
Speaker 3 (28:50):
The best part of this is they're trying to wedge
private equity guys. And this is not a discussion of
private versus public equity and that what do you think
the Phis not guys. This is not that discussion. These
are the same guys that realized they were losing the
game when it comes to guaranteed income and retirement, which
Mike and I have been talking about for years. In
my opinion, Mike was one of the originators in bringing
(29:12):
this concept to you in this area and clients he
deals with all over. Okay, that's not the point. These
are the same people that realize they were losing that game,
so they're trying to wedge themselves into your retirement plans
to provide some.
Speaker 4 (29:24):
Sort of how do they get in there?
Speaker 3 (29:25):
Here? But but well we know how to get but
here's a write check. Correct. Here's the point. They're trying
to wedge. They realized they were losing that game, so
they tried to wedge themselves in there with Again, what
I can only assume is, listen, I'm not gonna say
if it's inferior, superior. If it's superior, will use it, right.
If it's some sort of superior product, we'll use it.
We're going to need a lot more in I was
gonna say, there's no info. There's no info. So when
(29:47):
there's no info, you kind of get scared.
Speaker 5 (29:49):
It's like we're waiting for Batman, but to walk in
the room with the thirty mafia dons who are stealing
all our money.
Speaker 3 (29:54):
But now, if you think about this conceptually, basically what
these quote players are set right and you know the names,
they're basically saying, we've kind of run this as far
as we can through the quote normal channels, if you will.
The ultra wealthy, the pension funds, the equity that.
Speaker 5 (30:14):
The bank tellers can't sell the story as absolutely they
can only sell the Blueberry portfolio.
Speaker 3 (30:20):
They've ran it that far. So what they're doing now
is they want to invade your four o one K
space and they and.
Speaker 4 (30:28):
You don't think they're gonna get in there. Oh they're
gonna get.
Speaker 3 (30:31):
They're gonna get. But what are they gonna call it?
Who knows what they're gonna call it?
Speaker 4 (30:36):
They got the Strawberry portfolio.
Speaker 3 (30:38):
Guys, you see where this is going on, Sherbert, Guys,
let here's the here's the point, guys. If you want
specialized investment vehicles that are part of a financial plan,
that are part of ensuring you don't lose this game. Okay,
(30:58):
you don't lose this game. You come to us at
Madison and you have a conversation with us, and you
draw on our expertise if you want highly specialized vehicles,
where again you're going to be relying on a one
eight hundred number to dole out the quote education around them.
Speaker 4 (31:20):
Now, that's funny.
Speaker 3 (31:21):
By all means, wait for them to arrive in your
favorite for one K provider, Wait for them to arrive,
and we wish you the best of luck. Here's that's all.
It's a simple damn here's it's going to have best
of luck.
Speaker 5 (31:33):
And a lot of people listening right now, well would
be shaking their heads in your old retirement plans of
whatever flavor. You didn't even know it. They just moved
your money around and it usually goes into one of
these awful target date funds. But they put numbers on
it to make you feel good. It's genius what Wall
(31:53):
Street does. So, Dan, if I was going to retire,
plan to retire in twenty thirty, twenty thirty fund sounds
like it works.
Speaker 3 (32:02):
For me, it is. Yeah, that's a great point. I
mean it's great works.
Speaker 5 (32:06):
I want the twenty thirty one fund, but I don't
know what it is. But they're gonna do the same
thing with this private your point.
Speaker 3 (32:13):
You're gonna own it, whether or not you know what,
You're gonna own it, whether you want to or not,
whether you know you own it or not, You're gonna
own You're gonna owe all of all of the above. Guys, Please,
we're all just being fleeced. Let's just keep again, Let's
keep it clean, Let's keep it super simple. Let's concentrate
(32:35):
on the pillars. Right, I'm saying a lot guys, listen,
I'm not listen, and we don't have that ego and
it's but let me put it this way, like I'm
saying a lot of chatter about pillars lately in different
well I'm seeing a lot of chatter about pillars.
Speaker 4 (32:50):
Well, they're using different.
Speaker 3 (32:53):
In different form, in different but but it's the same stuff.
I'm starting to see a lot. But again, I'm not
saying with respect to what we I'm just saying I'll
be seeing a lot of chatter about pillars, guys. Again,
as a quick refresher as we go to break. Pillar
one capital markets. This is where you're gonna have your
precious metals, your old school. This is where if you
like individual stocks, individual bonds have as we call it,
(33:16):
unprotected capital markets. That's what Pillar wanted.
Speaker 4 (33:18):
You're naked, but that's okay.
Speaker 3 (33:19):
Pillar two guaranteed with draw rates for life, guaranteed income
for life. That's your pension income, whatever you want to call.
Speaker 4 (33:25):
It for your basic needs.
Speaker 3 (33:27):
Killer three we like to call it growthy growth with protection. Okay,
think of it. It's that simple, guys. You can be
value if you want, but we like to call it
growthro growth. That's income exactly. Now. Pillar four, Pillar four, guys,
this is I am index man. I want S and
p I want a nasse.
Speaker 4 (33:42):
But guess what such a nice ring.
Speaker 3 (33:43):
In this version you can protect your downside. That's the guys.
It's that simple. Pillar one, Pillar two, Pillar three, Pillar four,
Pillar five is specialized. Guys, we're going to break. If
you want more information, please it's www. Dot Madison Managers.
Speaker 4 (33:56):
Stick around because I'm about to give Dan a heart attack.
Speaker 3 (33:58):
I love it.
Speaker 2 (33:59):
See right now, you are about to experience the planning
for prosperity.
Speaker 3 (34:06):
Show three two er pink, I can see her, Cheryl Crow,
well do be We again to everyone, give you Michael Brown.
Nice planning for a Prosperity radio hour. Welcome aboard the
(34:29):
cruise ship. Again if you're new to the game, we
reveal the theme in this segment. The theme was Spring.
So thank you mister producer. Thank you Mary, if you had,
if you had a sign and the coats I think
they are. But the problem is is mister producer sometimes
claims that he did it without assistance, even though we
know he's going to the drawer. We know he's going
(34:51):
to the drawer of the drawer of ideas shall we
call it the drawer of ideas.
Speaker 4 (34:56):
Meaning he picks up the phone, calls Mary.
Speaker 3 (34:57):
Absolutely happy, happily to everyone. Guys. This has been all
about keeping it simple this week. So let's keep this
super simple. If you do not have DoD version two
point zero, that is in our opinion, again, you want
us to have opinions, and we are allowed to have
opinions or the tax guide or the tax guide if
you do not have DoD version two point zer, which
again in our opinion, is our best estate planning work
(35:19):
at it's professionally bound. The tax guide is for twenty
twenty five, so again it's gonna help you plan ahead,
which is what we like to do here. It's brought
to you by Nationwide, one of literally one of the
largest insurers ever on the face of the planet. They
put this together for us. If you want either or
we make this super simple. It's free. It's truly free.
There's no shipping, there's no taking a credit card number.
(35:40):
There's none of that, guys. There's no vitamins that are
gonna come in the mail that you didn't know about.
None of that. Again, just let us know. It's www
dot Madison Managers dot com. That's m A D I
S O N M A N A G E R
S dot com. Use one of the but the buttons, guys,
I maybe did this wrong too for a while, really
text boxes, I don't think they're they're buttons. If you will, right,
(36:04):
everyone's use them imail, but I for the noobies, Mike,
for those that aren't on.
Speaker 5 (36:09):
The Clue cruise a bit, they haven't bet on the
Google machine yet, click on click on the they'll say,
ask Mike and Dan.
Speaker 3 (36:15):
They'll say, set an appointment. Whatever it happens to be.
Just click on that and then you're just gonna let
us know. Hey, I want two D D two point Oh,
my name's Dan Polanski. Here's my phone number, or here's
my email address. Please get in touch with me, or
here's my address, right, Please send it to six fifty
nine Plank Road, Clifton Park. You guys, get the drill.
It's that easy. If you want nation wine, let us know.
Nationwide can be emailed. I think that's okay to be emailed, right,
(36:38):
you do do two point zho you don't want that
emailed and you want to take advantage of the fact
that Again, guys, this is professionally bound. This is meant
for your library. Okay, it really is. But Nationwide Tax
Guide can be emailed any information, any information on the pillars,
right if you listen to I believe with segment two, right, Mike,
Where again, we just kept it so clean because we've
gotten so many questions from you this what do I do?
(37:01):
What do I do? What do I do? What do
I do?
Speaker 5 (37:04):
Here's what you don't do? Oh boy, akay, ready are
you feeling okay? Because your blood pressure is about to
go up? Quote if markets remain Rocky. So either because
of the Trump trade war, soft economic data, we need
to find undervalued securities our favorite defensive strategy. Right, that
(37:31):
sounds pretty good, right right? They got my attention. They said, well,
over the last decade, we've significantly underperformed the S and
P five hundred. But now, Dan, should I care about
that or should I care about telling my kids? Here
are the things that are going to happen after I die,
(37:53):
before you get money. And this is what the common
mistakes executors may that my brother Steve ut is going
to avoid.
Speaker 3 (38:04):
What's more, tell us where are you taking this from?
And what is the title of the white paper?
Speaker 4 (38:09):
Most common executive mistakes?
Speaker 3 (38:10):
Okay, to understand when when? If you want this white
paper again, it comes professionally bound in D D two
point oh. Right again, guys, this is what we're talking
about when we say request your freebies. This is all
within D O D version two point oho. Okay, all
you have to do is let us know how many
copies again, it's Madison Managers dot com. Just let us know.
Speaker 5 (38:27):
So the important part is I am I am not
going to allow the I R. S or New York
State to steal my kids money right through probate, court costs,
legal fees, forensic accounting, all the nonsense. Right, Well, if
my brother who's going to be executor and trustee didn't
(38:50):
have the do O D, he could be fleeced, meaning
my kids get fleeced. It got this, let me we
talk about this every single segment. This isn't for you,
it's for your kids, it's for your spouse, it's for
your beneficiaries. That's who's gonna benefit and not get fleeced.
Speaker 3 (39:13):
Mike, if I, if I like the sounds of pillar two,
which we talk about all the time, right, if I
like the sounds of it, and make no mistake as
the money the money managers that are hired within pillar two,
they're looking for the same undervalued securities make them. But
they're not looking for overvalued securities. They're looking to do
this is nonsense. They're looking to a really great job.
But but along with that, along with their teams, right,
(39:33):
who are looking for undervalued securities, looking to a really
great job. Right with respect to rates of return, you
also get a guaranteed pension for life. Okay, just so
just for plying, now here's here, here's my point tying
it all back to a state planning Mike, do I
have built an estate planning within my pillar two investment?
Speaker 5 (39:50):
Well, you do because you list your beneficiaries and so
you avoid probate.
Speaker 3 (39:57):
Okay, talk to me about this too, Mike. Let's say again,
I I select these money managers, which I'm gonna do anyways, right,
I put one hundred thousand in, and the world happens
like it just did, and the one hundred thousand goes
to eighty thousand, and I pass away. Within that built in,
built in estate planning function, Mike, do I get what
we call true beneficiary protection, meaning my beneficiaries magically get
(40:17):
one hundred thousand dollars as opposed to the eighty that
my neighbor's getting.
Speaker 4 (40:20):
They get the money back.
Speaker 3 (40:21):
Okay, good, good, Now let's go to pillar three. Let's
go to pillar three, which again we call growthy growth
with protection, meaning, now, guys, in version two point zero
pillar three, you have full inoculation against LUSS. In other words,
you put one hundred thousand dollars in. At the end
of your term, regardless of what happens with the world,
you're gonna at minimum get your hundred thousand dollars back.
Speaker 4 (40:39):
If the war my kids are.
Speaker 3 (40:40):
If the world spins up beautifully, world spins up beautifully,
guess what you're gonna get parade, all the dough hip
at parade. Now here's my point with respect to built
in estate planning, Mike, if I engage in pillar three,
do do I have built in estate planning?
Speaker 4 (40:54):
Same idea.
Speaker 5 (40:55):
I'm naming my kiddos as my beneficiary, non my spouse.
Speaker 3 (41:00):
So nonprobate, non will. All they have to do is
talk to Danamite.
Speaker 5 (41:03):
Here's the difference. Dan, you go through probate. We're talking
months and months and months before the beneficiary club gets
their money with our pillars. The minute I get a
death certificate from the funeral home, I submit it to
our investment companies.
Speaker 4 (41:21):
It's days. Okay, Well that weeks not months.
Speaker 1 (41:25):
Ye.
Speaker 3 (41:26):
Well, let's play this game again. Let me play this
game again. Pillar three. You know what Pillar two we
just talked about. When I put one hundred thousand in
the world happens like it just did. One hundred thousand
goes to eighty thousand. I pass away, my loved ones
gets get one hundred thousand dollars. Right, my neighbor, my
neighbor's kids, they get eighty okay.
Speaker 4 (41:41):
Correct.
Speaker 3 (41:42):
Now again Pillar three, growth through growth with protection. Okay,
same thing I put one hundred thousand in the world
just happened. It went to eighty thousand. I pass away, Michael.
What do my beneficiaries get?
Speaker 4 (41:53):
They get the full dollar, they get the hundred thousand.
Right now, they have an option out.
Speaker 3 (41:58):
Let's not let's know, I'm gonna go I love I'm
gonnat it off. I know, but again, guys, we just
making this super simple. Pillar four. This is Mike. This
is what Mike brought to this area. First, I do
believe that I can say that with almost certainty. But
I can say this. I know he does it best. Okay,
here's the point. Pillar four. I'm index boy, Index boy, right,
(42:20):
I'm s and pee boy. I'm askedec boy. I mix
it fifty to fifty. I want. I want my Burkies,
I want my Hoogles. I mix it fifty to fifty.
And I'm so smart. I don't want active management. I
just want Index boy. Okay. I get protections in pillar four.
We're not going to get into that. Though I get
protections year to year, I can have protections over the
(42:41):
whole life whatever I like. Okay, that's up to Mike
to explains.
Speaker 4 (42:43):
To take a warm fuzzy.
Speaker 3 (42:44):
Here's the point. Here's the point. I put one hundred
thousand dollars in and it drops the eighty. Michael, when
we talked about built to a state living, what do
my beneficiaries get the dollar they get the hot thing?
Think they get the one hundred thousand dollars, I think,
get the full about my neighbor. My neighbor who's so
super start, my neighbor who is the smartest man. He's
asking p man, Oh you Curt beat you you should
(43:07):
be five hundred. You can't beat it. Well, he put
one hundred thousand dollars in. Okay, market pulled back to
eighty thousand. He passed away sadly, Michael, what do his
kids get the eighty? Okay? Cool? Okay. So at the
end of the day, it wasn't so super smart, was it?
Speaker 4 (43:23):
Well? It felt okay.
Speaker 3 (43:26):
Mappens. Now, guys, what we've done here is we've displayed
that of our core four pillars core four pillars, three
of the four seventy five percent of the options have
built in estate planning. No fudgies, no mistakes, no anything.
Speaker 4 (43:48):
Courts, no attorneys.
Speaker 3 (43:51):
Not only that guy gave money. They have what Mike
and I like to call SHWU beneficiary protection, meaning if
something goes oopsie in the night. Okay, your beneficiaries are
at minimum going to get what you put into said
in investment vehicle, assuming you didn't withdraw you guys, get
(44:13):
the picture. Guys, here's can you make it any cleaner?
Here's the difference any simpler.
Speaker 5 (44:21):
We have, dear friends at are attorneys, the state attorneys
we have, we hire them. The legal profession has a
built in conflict of interest. When I die, they get
paid more and more the longer my estate goes in
probate goes in la la land, when my kids don't
(44:42):
get paid versus, we have built in estate planning. You
know what our goal is, get the kids the money.
Speaker 3 (44:49):
Yesterday, well said Mike. Let me let me guys, I'm
gonna wrap up like this, okay, because I think a
lot of you. You know, you're calling your your advisors
and rightfully so, okay, and you're actually looking for advice. Okay,
that's part of the problem. Okay, you're actually looking for
advice from your advisors. That's part of the problem. Guys.
I was blown away with what one of you showed me.
(45:12):
And you're now in the cruise ship. Okay, you're on
the haven. You're in the You're not you're in the
haven now and you know who you are listening or
you're listening right now. You're on the cruise ship. You
love pillar three, and you love pillar two, and you
also want a little capital markets. Okayn, you understand now
what it means to be naked. You're exactly right. Now.
Here's the thing. You finally decided to call us because
(45:34):
one of your advisors left and you got to quote
propose Houll from the new advisor. Guys, I'm gonna leave
you with this. There were four thousand colors on the
pie chart on the beginning. There were four thousand colors.
There is no way. And you said this not me,
You said, Dan, I don't have the time for this
to even be explained to me. I said, no, that's
(45:54):
the trick that's Therein is the trick. Guys. Let's keep
it super simple. Guys. Great being with you this weekend.
As always, We love you you guys. Make this thing go,
keep it twirling, guys. D O D two point zeros
tax guys from nationwide. All the info on we we
focus really on pillar three this week. All the info
you could want on Pillar three guys. It's all free.
(46:15):
Make it, Make it world www. Dot Madisonmanagers dot com,
M A, D I, S O N Managers dot com.
Click on one of those buttons. We'll talk to you
in the office. See that
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