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
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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):
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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
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(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
three two.
Speaker 3 (01:10):
Who here?
Speaker 4 (01:17):
Oh stop.
Speaker 5 (01:19):
Wait, this isn't Georgia Master.
Speaker 4 (01:22):
You're pretending to not know it's Master's Week.
Speaker 5 (01:26):
We do this every year.
Speaker 4 (01:27):
I know you keeople are so sick.
Speaker 5 (01:29):
No, no, I believe this is Hans Zimmer who plays
this Don Zimmer?
Speaker 4 (01:35):
Isn't he? Is he a golfer?
Speaker 5 (01:37):
No, he was a composer, Lee Westwood, is it? That's
the golfer you now?
Speaker 4 (01:44):
Happy weekend? Everyone. Apparently apparently they're hitting a stick. They're
swinging a stick and hitting an orb.
Speaker 5 (01:51):
It's like a warm one. We need it right now.
Speaker 4 (01:54):
Listen, Daniel Polanski, Managing director Michael Brown. No one is
going to tell me that they can see that orb
when they hit it and it flows two three, four
hundred five hundred yards. However far these orbs fly, they
can't see that orb.
Speaker 5 (02:10):
It's erroneous. You absolutely can.
Speaker 4 (02:12):
You can see the orb.
Speaker 5 (02:13):
You can track and on television they have something called
shot track.
Speaker 4 (02:17):
Oh right, so they can see the orb so they
put the shot tracker on it. Car.
Speaker 5 (02:23):
Welcome the Masters weekend.
Speaker 4 (02:24):
Everyone, Welcome forget, Welcome to Master's Weekend. Welcome to Masters.
We can aboard the cruise ship. We again all thank
yous to all of you. You make the ship sail
www dot Madisonmanagers dot com, m A D I S
O N M A N A G E R s
(02:44):
dot com. You're going to use the clickboxers like you
all do the little clickies, right, It says, as Dan
and Mike set your appointment, whatever it is, click on that, okay,
whether it's your phone, whatever, whatever it happens to be, Okay,
utilize that. Then you're going to let us know. Let
us know very simply, DoD version two point zero were
(03:07):
allowed to have opinions. You want us to have opinions.
In our opinion, it is our best estate planning work ever.
Now why I'm pounding the table this week is we
sat down with one of you this past week and
it was a market related sit down and that you badly,
badly wanted to be educated on protections. Okay. However, nearly
(03:31):
instantaneously into the conversation, we realized Michael something that Again
we haven't talked about this in a bit given market
to malay. But the reality is, Michael, super duper trust, right,
super dupa trust. Here we go, super duper trust right, printed, gorgeous,
gorgeous binders everything.
Speaker 5 (03:51):
Am I guessing fifty pages at minimum?
Speaker 4 (03:54):
But it was, it was gorgeous, gorgeous, gorgeous, gorgeous. The
problem arose when we asked, well, what is in said trust?
Speaker 5 (04:03):
And then it's just crickets, nothing, silence, nothing, nothing, Well,
and in D O D there's a white paper explicitly
on that correct why and how you need to fund
said trust.
Speaker 4 (04:18):
That is why I bring it up, effynt, because that's
not even on my and depend And again, this just
goes to show that we all have broad needs, right.
We all have different needs, right when it comes to investing,
when it comes to estate planning, when it comes to
beneficiary decisions, when it comes to insurance decisions, et cetera,
(04:38):
et cetera. We all have various needs. Mike. It just
goes to show the breadth of what we put together
here in D D two point zero. And this is
including our own horns. Guys, this is a freebie. Okay, Again,
I think a lot of people might still out there
think that we're charging for this. I really I wish
we were. We're not, guys, it's can we totally really can?
Speaker 5 (04:58):
I mean I don't know, Well, it change tax?
Speaker 4 (05:01):
Is it tarriff? Was this tariff at the game the.
Speaker 5 (05:03):
Materials might be tariff? Luckily we have a new shipment
before the tariff.
Speaker 4 (05:07):
Set it got to the ports, It got to the
port and time in time. Okay, point is this, guys,
Grab two copies. It's that simple. It is totally totally free,
and we ship it for free. This is not one
that you want emailed electronically, whatever you want to call it.
We want you to have the tactile version because again
this is going to go in your library and we
want you to give one to one of your loved ones. Okay,
(05:30):
it's that simple. So again, easiest way to do it again,
big thank you to all of you already have it's
www dot Madison, M A, D I, S O N
Managers dot com. Use the CLICKI box. Okay, use the
click and then you'll see whatever. Leave your phone number address, however,
many copies. How we can get in touch with you
whatever you would like. However, we can get these guys
(05:52):
to you. We are going to get out your d
D version two point zero because there is a lot
going on out there that's outside of the world of investing.
Speaker 5 (06:00):
Michael, all right, to our to Madison Nation, our fans,
our listeners, our clients, buckle up. I have seven bullet points,
all aimed at raising Dan's blood pressure. This week.
Speaker 4 (06:13):
It's already been raised. Michael. Those of you who have
been on the phones with Wave this past week, you
know how fired up I have been. And we were
reminded of something Michael, and you know a lot of
people like when we do the month to month and hey,
we're thinking about this for the next month, you know,
regards to markets. I think we made it very clear,
(06:37):
and again we made it clear on these airs, right,
but we were reminded by miss Mary super fan, super
client right that going into this year, we made it
pretty clear that we thought this year was going to
be the year of what Michael.
Speaker 5 (06:50):
Principal, protection, protection, protecting our monies, protections, cure, not being naked,
not being cavalier, not buying the hype of the and.
Speaker 4 (07:00):
It's it's guys, this goes back to Michael. Okay, because
I'm no longer going to get into as much as
I love to deconstruct the actual one offs with respect
to cash flows, etcetera, etcetera, with respect to individual stocks.
I think I'm about to the point of most portfolio managers,
(07:22):
most hedge fund manager, most traders out there, Mike, I
don't know how much of that even plays in anymore.
To be brutally honest, it's the world. The world is.
The world is. The world is driving this.
Speaker 5 (07:32):
Bus well, whether you want to call it chaos, mayhem.
We don't use this word volatility, right, that's what the
talking heads talk about. We're seeing things in the past
week and a half we haven't seen in a long,
long time.
Speaker 4 (07:52):
Has nothing to do has nothing to do with cloud.
You're over your cloud revenue growth at a company called Hugle.
Speaker 5 (07:58):
Nothing zero, It doesn't matter, any doesn't matter. And we're
getting back into earning season. But here's my question to you, Dan. Yes,
years ago, when COVID was the problem, companies use COVID
as a smoke screen to no longer give earnings guidance, right,
that was their pass. Are tariffs going to be the
(08:21):
new smoke screens?
Speaker 4 (08:22):
Already happened when you have the largest to that point, Mike,
when when you have the largest retailer, and I was
I was going to drop this bomb because some.
Speaker 5 (08:29):
Somehow it's public news. It's Walmart.
Speaker 4 (08:30):
Walmart, largest retailer in the world, literally pulled guidance. So
when that happens, that's about That's about as difficult of
an environment as you can be operating.
Speaker 5 (08:42):
In because you know what this is adding to uncertainty,
oh angst, the unknown, the gray areas where the select
model three moderately aggressive blah blah blah blah portfolio that's
going to guide you if.
Speaker 4 (08:58):
You were fortunate enough to listen to Michael Brown, be
educated to buy Michael Brown, and you simply opted for
pillar four for a portion and or a majority of
your investment assets. Let's call it five years ago, okay,
and that is coming due, right, your du date's coming
to your maturity date's coming due.
Speaker 5 (09:16):
We're doing cartwheels, Mike.
Speaker 4 (09:19):
I'll listen, all go out there, I'll go out there.
I would all, Mike, I will say this. It has
to be in terms of diversified asset, right, in terms
of diversified portfolio, it has to be on the deck.
Is one of the five best performing assets over the
last five years, depending of your major assets.
Speaker 5 (09:37):
Well, I'm crazy commodity. I'm not comparing it to that now.
Speaker 4 (09:42):
But what I'm saying is diversified assets depending on what
level of protection you chose. Let's say you will you're
a fan of the twenty percent downside protection I am.
Let's say you chose that. It has to be, Michael,
it has to be. It's not even close because what
did you avoid? What? What? Look at what? You're mad?
Speaker 5 (09:58):
All of twenty twenty two?
Speaker 4 (09:59):
Oh, but go back either right, this is a five
year No? Right, this is a okay?
Speaker 5 (10:03):
So where do you want to start? Would the bond
market meltdown cold?
Speaker 4 (10:07):
Well again, let's go Louis had COVID. Right, you had
twenty twenty two, which was a there's no master, nothing
you can even say. And now you have this, which
there's nothing you can even say. You had. Money is
repatriated into your account, not once, not twice.
Speaker 5 (10:23):
But we're going to be doing reinvesting again with markets low.
Speaker 4 (10:27):
Very very good, everyone, Michael, We're gonna have so much
education today. Go to break, guys. In the meantime, d
D version two point zeros guys, there, Freebie, freebe Freebie's
is a lot going on out there. Www. Dot Madison
Managers dot com. Go on out there right now, click
on one of those little clickboxes and just let us
know how do we get your copies to you for free?
What's see right back?
Speaker 2 (10:49):
You are about to experience with the planning for Prosperity
show in three two.
Speaker 4 (10:56):
Deer here the boss.
Speaker 5 (11:02):
Christmas Kansas?
Speaker 4 (11:05):
Are they planning golf in Kansas?
Speaker 5 (11:08):
Where is now? I'm confused about the.
Speaker 4 (11:13):
Happy Master weekend? Everyone. If it's a classic, Daniel Planski,
A classic in what world?
Speaker 5 (11:21):
And the people who enjoyed the world, and if people enjoy.
Speaker 4 (11:23):
America in the world of twenty five draw downs across
all as all ASSA classes.
Speaker 5 (11:29):
The market seems to be somewhat of a wayward sun A.
Speaker 4 (11:33):
Well done, Daniel Pvulanski. Michael Brown Managing director, Michael Brown,
so proud to be here this weekend, every single weekend
Polantic for a Prosperity Radio. Welcome aboard the cruise ship, guys.
As a reminder and again, big thank you to all
of you who have already grabbed your do D version
two planos those of you who have not. Again, we
(11:54):
had to sit down with one of you listening right now,
new client to Madison. Fabulous. That's why we do this, guys.
But it started with education, and it started with you
wanting to be educated on the pillars. Let's talk some more, right,
and within two minutes of the discussion we learned what
we see more than quite often with the unfortunately unfortunately
(12:17):
that you had a super duper trust that unfortunately had
nothing in it. So what was it worth? Dan outhouse wallpaper? Yep,
that's that's so again. Point being guys, we educated in
the d D on this dood version two point zero,
we're allowed to have opinions. In our opinion, it is
our best estate planning work. Ever, it's professionally bound and
it will be hit by Terris very shortly. So grab
(12:38):
your copies now. Suggest you get at least two their freebies.
Just let us know, guys, how we get them to you.
We can't make it easier simpler than that, So www
dot Madison Managers dot com. You guys like when I
spell it, it's www dot m A D I S
O N M A N A g E r s
(12:59):
dot com. Use one of the clickies. Okay, click you
know asty in our mike, want to set an appointment,
whatever it happens to be, leads you to the same box,
just let us know how we get it to you, name,
phone number, whatever it happens to be. Address.
Speaker 5 (13:11):
And we don't talk about this enough. The reason is
two point zero is we added some market information to it.
And there's a three page white paper inside of it
that says understanding risk. No one cared when the market
is always ripping higher, but now we were in this
absolute chaos. It talks about stock market risk, interest rate risk,
(13:34):
single stock security risk, and then what you can do
about it. And I think that's as timely as it
gets when we're in this absolute insane period of time
in the markets. So when you're talking about two the
DD two point zero, it's not just the state planning.
We added some market info to it.
Speaker 4 (13:52):
And I've got guys. You guys know this, you've been
with us so long. Not a solicitation to buy seller hold,
but you know that we've been talking the last couple
of weeks in that if you wanted to engage in
this marketplace, you know, take advantage of being able to buy. Notice,
we're not saying take advantage of some sort of astounding opportunity.
(14:13):
We're saying because again, we have no more clue as
to when these markets will turn than Santa Claus himself. Okay,
no more, and no one does, guys, no one does. Okay,
Here we can tell you when we think it's washed out,
sentiment looks terrible, et cetera, et cetera. Doesn't mean it's
gonna turn okay. May mean you put a bottom in,
doesn't mean it's going up.
Speaker 5 (14:33):
Well, unfortunately, I still hope. But here because all we
hear is one little chirp out of the White House,
and it's either boom or bust.
Speaker 4 (14:41):
But here's the point, guys, here's the point. For those
of you who wanted a discount, right, we always like
again makes sense, right, We like to buy discounted securities,
just like we like to buy discounted chess king master
suits that mister producer wears, right, we want a discous
does To the point is this, Mike, was they're a
(15:01):
simpler AD? Was there a simpler AD and or a
technically and I'm gonna go technically superior ad to adding
to your pillar two investments if you so had those
in place?
Speaker 5 (15:17):
Was there well, what makes all the all the problems
go away. I'm now insulated from market risk. I'm insulated
from having my future income go down.
Speaker 4 (15:29):
And and and what do we get, Mike? What do
we get? Let's say I'm the person that says, Dan,
twenty five percent down seems good for me to get
in here. Okay, all right, let's play pillar two right,
where again you're gonna have a very against should you choose,
You're gonna have a very highly regarded, not us regarding it.
(15:51):
We don't do that. We play the rating agencies games, right,
the the butterflies and the feathers and whatever it is.
That right, you're gonna have a very highly guarded growth manager,
value manager, all of the above. Okay, you give a
highly regarded portfolio. So let's play the math game, right,
twenty five percent down means you best be thinking about
(16:13):
thirty three plus percent upside, right, that's the way the
math works, right, just to get back to even even?
No growth, right, getting back to even. So here's my point, Mike,
you put fresh money to work. And then again, conceptually,
guys who put fresh money to work in pillar two, right, Mike,
you're going to get most, if not all, of that
upside capture, right, who knows? Maybe more, maybe more, We
(16:33):
don't know, right.
Speaker 5 (16:34):
But you are in control.
Speaker 4 (16:36):
Uh huh, but bought. Here's the thing with those dollars
that you add. Okay, it makes us feel good. When
the portfolio value goes up, you will get that, of course. However,
you have just accelerated your guaranteed withdraw dollar like nothing else, right, Mike,
(16:58):
and let Ela that yeah, do it?
Speaker 5 (17:00):
Most people know, Dan. If I'm approaching retirement age, what
am I thinking about thinking about income in the future.
I'm thinking about Social Security, I'm thinking about Medicare. And
if I'm thinking about income, if I'm just using that
Blueberry portfolio, I'm not feeling wonderful. Okay. But if I'm
(17:23):
using pillar two and we're going through the absolute insanity
of the markets we're experiencing right now, I don't care
about the tariff game, I don't care about the interest
rate volatility. All I know is, even if the markets
are awful for the next few years, every year I
(17:44):
wait to take my income, it's guaranteed to go up
even if the market goes down.
Speaker 4 (17:49):
And we're not talking about a small percentage under any
under any strap now under any stretcher, we talking about
what anyone would consider a small percentage. It's let's call
it this way. It's it's more than fair. It's more
than fair. In fact, when we give the number.
Speaker 5 (18:06):
It's one hundred and fifty percent of the ten year treasure,
right right? How about are you going to get that right?
Speaker 4 (18:11):
When we give the number to you guys offline, most.
Speaker 5 (18:14):
People say, really no, it's what yeah?
Speaker 4 (18:17):
Right exactly. So my point is this is there, conceptually, mathematically, tactically,
from a protection standpoint, a better ad than adding to
your pillar twos.
Speaker 6 (18:29):
Oh well, let's let's talk about in the last week
and a half, with the absolute chaos in the market,
the phone calls we get from the people and the
pillars two, three, four, five.
Speaker 5 (18:42):
Aren't hey, Dan, Mike, what do you think the chance
of recession is? What do you think the Fed is
going to do? No? No, no, The questions are Remind
me again, I don't care what happens, what my income
is going to be next year? And those are the
conversations we like to have.
Speaker 4 (18:58):
And how about how about how about those of you
who just had that cash and you just established the
brand spank and new pillar three portfolio right where you.
Speaker 5 (19:10):
Are, same conversation. I'm not worried about what's happening in Laos.
Speaker 4 (19:14):
Well, Mike, When you can contractually inoculate an investor against loss,
there's really no where else to go.
Speaker 5 (19:24):
I can't even imagine.
Speaker 4 (19:25):
Dan.
Speaker 5 (19:26):
I am at the big box bank store, right and
I've sold everybody the blueberry portfolio. And let's get make
that clear. I sold them well said, all right, because
that's what I'm allowed to sell the investor, and there's
no education there anyways, there's no education. Here's what the
conversations must be like, mister investor. Everything is going to
(19:46):
work out. History tells us things are going to be okay.
Market always comes back to have faith. Hang in there.
That's blowney. I'm never gonna have those conversations because we
don't know if any of that is actually true.
Speaker 4 (20:04):
I listen, guys, have something that is just blow Even
if you love the blueberry pie, you love your salesperson
over at big banks superstore. Please, at least in these times,
it's the guys. It's the world changing. It's it's not guys.
This this it's getting away. The world now in terms
(20:28):
of financial world is getting away from what I love. Okay,
it is. It's very clear you can't. The value that
you can place on fundamental analysis. Now, whether you believe
anyone does it anymore or not, that's a different argument.
The value that you can place irrelevant rel exactly, guys.
Speaker 5 (20:47):
How about technicals irrelevant when you have theory irrelevant?
Speaker 4 (20:53):
Guys, these aren't You don't understand these the real moves
from the standpoint of yes, you're endororring them if you're
in the Blueberry portfolio, they're real moves. But these are nothing.
These aren't in tax with these, These are nothing that
you can train for. They're not. Guys. There is no
make no mistake, There is no modeling around this. You
(21:14):
know how you model around it. You put a little
money in pillar two. You talk to Mike about pillar four.
You got some spare cash. You got an old four
oh one, k I ra pillar three. Baby, that's what if?
Speaker 5 (21:25):
What if I just want to make a lateral move
from the growth fund of as you say, Mississippi, let's
have the same gross stocks but have protections on them
or guaranteed income in the future.
Speaker 4 (21:34):
Well, we do the paper we we do the paperwork.
It takes it takes five minutes, so go to break
guys in the meantime.
Speaker 5 (21:39):
And I'm gonna rile Dan up the b O D
version two point l.
Speaker 4 (21:42):
Guys, grab your free copies. You heard that right, free, free, free, free, free,
let us educate www. Dot Madison, M A D I,
S O N Managers dot com. Use one of those clickies.
Click it. Let us know how many copies we can
get you, and they're free. We ship them for free.
Speaker 2 (22:00):
You are about to experience the Planning for Prosperity Show three.
Speaker 5 (22:10):
If I could keep it in this is'm usually in
the water the s This has not happy.
Speaker 4 (22:26):
John Denver. You should have known me, not John Day
planning for a Prosperity radio Welcome avoid the cruise Ship.
Speaker 5 (22:34):
I don't know what to say right now.
Speaker 4 (22:36):
Pivotal week, I think, Michael, in terms of getting as
many of you on the cruise ship as we possibly can.
Speaker 5 (22:45):
Maybe in the haven on the cruise ship. I think,
with your own eckery.
Speaker 4 (22:49):
I think it's pivotal because Michael, we just went through
a segment where and again, guys, you guys know me.
I'm upbeat, I'm positive, et cetera, et cetera. To a fault.
Maybe well Michael's the opposite. But here's the point, guys,
and they can guys. What is going on out there
(23:10):
is indescribable in terms of market movements, in terms of
how to play the get me to retirement game, in
terms of how to keep me retired game. Let me
be perfectly blunt. And this is before we get to
the website, before we get to anything. I have no idea.
(23:33):
If you are listening right now and you are, as
Michael Brown calls, naked in the capital markets right our
pillar one right, If you're totally naked, that's all you have.
Speaker 5 (23:42):
You have a model portfolio, or you have a bunch
of mutual fundsfs. They threw in a couple of stocks.
Speaker 4 (23:48):
You got your basket of stocks.
Speaker 5 (23:50):
You are at the whims of this insane market.
Speaker 4 (23:53):
I'm gonna tell you right now, I'm gonna again, I
can't do it because I'll get into trouble. I'll say,
I'll say it this way. I don't know how you
do it. I don't know how you do it.
Speaker 5 (24:01):
I don't know how I would sleep at night.
Speaker 4 (24:02):
I don't know how you do it. I really might
because again, we again, what is going on in markets
right now? Okay, and this went on in twenty twenty two,
and you guys know this. We point this out because
so many don't. So many pretend that we're in this
grand bull market bull crap right the.
Speaker 5 (24:21):
Bottom will still believe that.
Speaker 4 (24:23):
I think they did, because what was you know what
the financial media does, right in the normal talking heads
and these talking radio they want to pretend everything's golden.
Right Meanwhile, because what.
Speaker 5 (24:32):
Does Wall Street want? Keep your money in their ATM
machine mutual funds, model portfolios.
Speaker 4 (24:39):
Meanwhile, the reality was the numbers of the numbers. Twenty
twenty two was arguably the worst year for the blended
financial asset portfolio.
Speaker 5 (24:50):
That's called moderate in the balance.
Speaker 4 (24:52):
In the United States in the history of this countrary.
And yet we glazed over it. So we went through
that in twenty two, right, if we were lucky enough
to have protections in place, Right, Mike, you glossed over it, right,
Good for you. But my point is this is for
those of you who didn't. Right, so you had a
(25:13):
bad experience in twenty two, twenty three, you had your
comeback year. Then you went into twenty four. And the
problem with twenty four, guys, was there was an argument
to be made mid twenty four that things were starting
to break down like in July, right, and then September
they definitively started to break And now.
Speaker 5 (25:33):
When we were telling people the economy is not golden correct.
Speaker 4 (25:37):
So the point is this, you had one of the
worst years in the history of the blended portfolio in
this country, right, the mask the math, you had one
of the worst years. Okay, there's only a few other
years that we even compete. You had that, you went
through that, you got a recovery year, right, you got
six months of maybe thinking we're on the growth trajectory again,
(25:58):
and then you get this smacked in your face. Okay,
no one is going to make an argument that goes
like this, Well the average are you get a ten
percent correction, so it's super good.
Speaker 5 (26:14):
Okay, and not this is the show. I was gonna
get your blood pressure, but you're getting mine up.
Speaker 4 (26:19):
Guys. That crap has to be put to bed forever
anytime you hear that nonsense. Okay. The title next to
the name is going to be something along these lines.
US Equity Strategist Wealth Management Americas, US Portfolio Manager Equities.
(26:43):
It's going to be something along those lines, and That's
not an insult to them. They're doing their job, but.
Speaker 5 (26:48):
They're they're constrained into what they contact. Why these guys
don't have amnesia. They can only do so many things.
Speaker 4 (26:54):
In their own personal life. They may have Killer two
up the kazoo. We have no idea, have no idea.
We have absolutely no idea, Mike. But the point is, guys,
please please please let us at least educate on the
pillars at this critical critical time. Best way to do
(27:17):
so to get in touch www dot Madison Managers dot com,
m A D I S O Nmanagers dot com.
Speaker 5 (27:25):
So I'm gonna borrow from a great commercial. I saw,
oh okay, I'm borrowing and it said, if you were
having your bathroom remodeled, you're gonna get at least two bids. Right,
You're gonna get a second opinion for something that is
just in your home. Then you get a little bit deeper.
(27:49):
If you have a serious health event, you're gonna get
at least two opinions. Correct. I did it after I
had even though my dear friend is a surgeon, I
wanted a second opinion. Why are we not getting second
opinions on the Blueberry portfolio? To come talk to us.
That's all we're doing is being good stewards of our
(28:09):
own money.
Speaker 4 (28:10):
Mike, you know, you know my opinion on the blueberry
and this is not knocking the Blueberry portfolio. What it
is though, it's a commentary in the fact that I
do believe you cannot be properly educated on the true
blueberry portfolio. You cannot say because.
Speaker 5 (28:22):
The thirty mutual exactly right, the names are absolutely insane.
Speaker 4 (28:28):
Cannot There is no one individual, There's no one individual
that would have even the time, even if they had
all of the knowledge in the world. They don't have
the time to educate you on that.
Speaker 5 (28:43):
And we have to buy sophisticated, expensive software to help us.
We've been doing it for decades.
Speaker 4 (28:49):
We have to be on these airs to even begin
the education discussion.
Speaker 5 (28:55):
Right, And what's important is we're gonna talk about real
world things. When are we retiring, how much income do
we need to provide for, What are our fixed costs
that we need to get taken care of, and then
what are our wants other than our needs. I'm not
gonna have to talk about, Oh, the tariffs on China, Well,
(29:18):
all they're going to do is skirt the issue, and
they're going to put the Laos, Cambodia, Vietnam little stickers
on their shirts and their shoes instead of China. Who
cares about that? What I care about is when I
want to walk away from my job, whatever that may be,
at whatever age, I need to figure out how am
I going to get there without the world decimating my savings.
Speaker 4 (29:41):
Well, that's again, that's that's.
Speaker 5 (29:43):
The real conversation, not this other tariff nonsense.
Speaker 4 (29:46):
Twenty eighteen, COVID twenty twenty two, right, twenty twenty two,
and now this.
Speaker 5 (29:53):
But here's the difference today. The government in not here
but around the world, including the US, there's no bailout
this time right, there's no government coming to the rescue
this time around.
Speaker 4 (30:07):
Might be the opposite. I mean, depending on how deep
you want to go down the proverbial rabbits.
Speaker 5 (30:11):
There's not going to be trillions and trillions of dollars
of money put in your mailbox, buying securities in the
open market, fluffing whatever they can do. That's gone. There
is no bailout this go around. It's just the opposite.
We might have to really rely on resilience and that
if you're naked in the market. That might get painful.
Speaker 4 (30:33):
Well, Michael, let's just get a factoid out there, guys.
And again this is not a knock you listen. I mean,
you could have done the fundamentally correct thing and had
a very nice waiting of your portfolio in small cop
stocks right over the last three, five, seven years.
Speaker 5 (30:51):
Would that be the magenta color of my pie chae?
Speaker 4 (30:53):
It would be. But the reality is is they screened
very well in terms of being cheap right relative of
two their large cap counterparts. Here's the problem. At one
point they got cheaper you ready for this, Mic, at
one point this week We're not talking about microcaps. I'm
talking about the Russell two thousand right as your proxy
for small caps. Right one point this week, Mike, they
(31:14):
were down from where they were seventy years ago, not one,
not two, not three, not five, seven years, seven years, Mike,
whereas you could have had you could have listened, guys,
you could have owned them in a balanced portfolio within
pillar two and at least at least had you're guaranteed
(31:36):
withdraw dollars scooting up each and every one of.
Speaker 5 (31:40):
Those years, and not by a diminish We're talking six
to seven percent per year.
Speaker 4 (31:47):
Instead you're sitting there just like so security saying, mister
blueberry pie baker, you told me.
Speaker 5 (31:55):
That this was gonna grow, You told at historical rates,
and I was gonna be okay, And now it's looking
like I'm not gonna be over.
Speaker 4 (32:02):
And guys, we're not. No one is always right. We're
we're not saying we're always right. You guys know that
we call it out. No one is Listen. The point
is this we want to in the words of Mike Brown,
and this is how we have to crystallize this. Now, Okay,
we've had enough of these. This is how we have
(32:22):
to crystallize this. You have to at least attempt to
avoid the flat tire tires. You have to.
Speaker 5 (32:30):
You have to unless you're balance sheet you get ten
twenty million dollars. Who cares, I would, But the regular people,
us regular folk, we can't afford to keep getting killed
every couple of years.
Speaker 4 (32:45):
But Mike, even with those individuals who again and we counsel,
We counsel some of those individuals. The problem is you're
still you're when you're there, right, when you've arrived there right. However,
it happened to Billy you're looking at the next gene, right,
and maybe even the generation beyond that. And let's also
be brutally honest. When you have a bigger balance sheet.
Speaker 5 (33:08):
You typically spend amen, you.
Speaker 4 (33:11):
Typically spend a lot more. Okay, So it's just as critical, right,
it's just as critical that we do this thing right,
rather than have this cavalier attitude that everything's gonna be
all Ryan Blueberry portfolio is fined. Why on earth now
(33:31):
that we're going to break Mike, I just thought it
just came into a man in pillar four. I can
be the Russell two thousand. Be any flavor you all right, guys,
please please please let us educate. Www. Dot Madisonmanagers dot com.
Head on out there right now. Whilst you're thinking about it,
click on one of the clickboxes. Ask Dan a question,
(33:51):
make an appointment, whatever it happens to be again, first
way to start, do a deep version two point oh.
Let us get a couple of free copies to you. Okay,
send an appointment, let us educate. We can get your
educational materials on literally anything you're looking for that you
hear on these airs, so we'll see you right back.
Speaker 2 (34:08):
You are about to experience the Planning for Prosperity Show
three two.
Speaker 3 (34:14):
Here this is Kenny from Candy Shaky Kenny who Kenny
Loggett's didn't you say his brother was the other?
Speaker 5 (34:28):
They're not relating.
Speaker 4 (34:30):
Daniel Polanski, Michael Brown, Managing director, Michael Brown, Madison Wealth Managers,
planning for a Prosperity Radio hour. Welcome to our golf theme.
Speaker 5 (34:39):
All right, man, anybody who's seen the movie Caddy Shack
knows this song.
Speaker 4 (34:44):
Our theme this week has been protections. We've kept it
real simple, guys. And you know, Michael, maybe next week
we'll kind of scoot through the pillars. Right, Maybe next
week we'll scoot through the pillars and we'll do a
little bit, a little bit in depth dance because I'm
like again again guys, and again. Best way to grab
us right, grab your d D version two plinos. Okay,
(35:05):
that's where to start with us. That's again in our opinion.
We're allowed to have opinions. You want us to have opinions.
In our opinion, it's our best estate planning work ever, okay,
and it is professionally bound. It will be in your library.
You'll be able to give it to a loved one
beneficiary club member, executor, trustee, whatever you would like. That's
a great way to get a flavor for how we
(35:29):
educate at Madison. We do not sell. It's that simple, okay.
Speaker 5 (35:33):
Because we're just not very good at it.
Speaker 4 (35:34):
Well, I you know, Mike. The point is this too.
The point is and guys, we come across this, let's
get this and let me get this at www dot
Madison Managers dot com. Guys, it's www dot m A
D I S O N M A n A g
E r s dot com. Here's the issue that's so
(35:54):
many of you experience when you come aboard the cruise
ship right from Blueberry Pie Land, from the bakery right
you're you're at the bakery at the big box supercenter bank. Okay,
that used to be a brokerage firm, right until they
got too deep in the structured notes that they're now
reselling you. Okay, and make no mistake, that is truth.
(36:16):
Here's what we have to do. It takes time, guys,
because when you select from our protective pillars, right, meaning two, three,
four and or five. Right, when you select from our
protective pillars, and you see what we're witnessing here meaning
(36:41):
meaning absolutely smashing of financial markets. Let's let's cut the
volatility crap. Let's cut the Oh we got a ten
percent corruction on average every year, everybody, Let's cut all
that nonsense. Okay, this is a pulverization of markets, Okay,
of financial assets. Here's the point, guys, so many of
(37:02):
you like, how many conversations do we have to have
to get people to relax after the fact and understand
how the pillars are working for them, because.
Speaker 5 (37:12):
You have to experience it. Girl, you got.
Speaker 4 (37:16):
Because they're so accustomed to blueberry land, blueberry pieland they're
so accustomed to getting the phone call once every two years,
Joe Chain, we have to change a couple of your
mutual funds. Okay, they're so accustomed to that. They're so
(37:37):
accustomed to playing the waiting game, waiting for things to
get back to even they're so accustomed to having to
wait for dividends to come in and share prices to
go up to actually have an income stream right in retirement.
That that's what and and hope that dividend holds.
Speaker 5 (37:57):
And it's gonna get worse if we fished the year
where we are now in financial land, and you everyone
listening knows that I absolutely despise bond funds. Your bond
funds are down again this year. You're going to pay
taxes on the income that they pay you, and you
(38:20):
might even get a capital gain as they've had to
sell positions during this awful month we've had.
Speaker 4 (38:26):
Right now, if they bought the bonds fifty years ago rather.
Speaker 5 (38:30):
Than and I'm holding a real statement in my hand, Daniel,
instead of owning these terrible bond funds, you own Pillar five.
And I'm doing a couple of things here. A, I'm
never getting a tax bill until I choose to. I
made eight percent last year, and at this juncture, at
reset in February, I'm at least guaranteed to get three
(38:54):
percent this year. I'm not getting a tax bills, and
I'm not seeing my portfolio go down. So if you
own bond funds, which everyone does in every Blueberry portfolio,
get a second.
Speaker 4 (39:08):
Opinion every four one and compare.
Speaker 5 (39:10):
Pillar five to your bond funds. And it's not it's
not even close. It's it's not a knock. And we've
done this for ever, guys. We're not knocking the practitioners.
Speaker 4 (39:18):
We're not.
Speaker 5 (39:19):
It's the landscape. It's eximptly. It's the world exactly. Again,
these guys are not dummies. It's just how they they're
trying to always row upstream and you can't forever.
Speaker 4 (39:31):
It's like attempting to explain, Michael as to why let's
use an individual stock that rhymes with that rhymes with Google. Okay,
It's like trying to attempt to explain how the trailing
price earnings ratio on Google, despite all their growth, their
track record, bulletproof balance sheet, et cetera, et cetera, is
(39:51):
lower than that of the overall S and P five hundred,
which has such companies as Hershey, CBS, people that make burgers,
sugar joint guys. It's inexplicable. It can't be explained. It's correct, Mike, correct,
So Mike your point there, and Pillar five, guys, Pillar five,
(40:16):
it's the easiest solution going. Right now, when you say, Dan, Mike,
I have a CD, I have money in the checking account, right,
I still want to feel protected, right right, right, right right,
That's how those two go together. Right, That's how those.
Speaker 5 (40:35):
It's not it's called your safe money.
Speaker 4 (40:36):
Right, it's called it's not. It's not Pillar three, where hey,
I want to take a shot on goalf. There's no
sexy here, correct, It's it's bland as bland as bland can.
Speaker 5 (40:46):
Be, and right now it's a superstar.
Speaker 4 (40:48):
I would, but Mike, that's that's exactly where he's going.
Does it get any better than that?
Speaker 5 (40:52):
No, I don't see how I own it.
Speaker 4 (40:55):
No, I know, but by your whole point, it's like,
I don't see. I don't see how it gets any
better all.
Speaker 5 (41:01):
Of a sudden, boring, transparent, nuts and bolts, as you say,
blocking and tackling. Boy, it looks pretty good right now.
Speaker 4 (41:10):
Yeah, we've got to get back right. We've just got
to get back to simplicity here, guys, we we really,
we really.
Speaker 5 (41:16):
Love I've said this a thousand times in these airs,
especially now, there is such elegance and simplicity.
Speaker 4 (41:24):
We've got to get back to it. We've got to
get back to the fact where you know, I even
think about it, you know, and I'm thinking about think
about our client right now. I'm thinking about our client, Mike.
And you know he called, and you know he's got
he took advantage of the t bill sale that went
on right for about your and a half, these financial arguments.
(41:46):
He took advantage of the T bill sale. And now
he's saying, Dan, you know what, and he already is
involved in Pillar two. He's got he's got a Pillar
two instruments where again guaranteed withdrawl rate for life at
one of the highest witch roll rates circle the last
twenty years. And that is not an exaggeration, is what
(42:06):
it is. Right, He gets market exposure, right which this
market is now down depending on what you want to
look at twenty twenty five, thirty, whatever, it doesn't matter, okay.
And he's saying, Dan, I listened to the radio. Let's
get moving, and I see you, Brendan. Let's talk about it.
Let's let's let's talk about it. Let's let's let's get
(42:30):
moving right, because Mike, isn't that the natural holf right now?
And if you're not getting that phone call from your advisor,
why aren't you well?
Speaker 5 (42:38):
And I'm pretty sure no one from your abandoned four
oh one K plan is calling you. Oh these are
disaster right, your your lost irais no one's given you
a call or you're putting these model portfolios. There's no
there's there's no communication.
Speaker 4 (42:56):
Let me ask you a question, Mike, and This becomes
interesting only because I know what these guys are all
doing now. They're all going to this quiz base. Right,
you take your little quiz your press which again, check
a box. Do you think the quiz results lead you
to any different solution?
Speaker 5 (43:12):
No, that's not what it's there for. And everyone listening
you have to understand, we're not kidding. It's not for
you the investors benefit.
Speaker 4 (43:19):
No, we're not kidding.
Speaker 5 (43:20):
It's for the super big box bank store. Correct to
check their box called compliance, right, because youtomer, because.
Speaker 4 (43:27):
You're gonna go at the end of at the end
of that quiz, right, all kidding aside, You're going to
go to a life cycle fund of some sort, right,
some sort of lifestyle pre package, triple wrapped. It's triple wrapped, right,
triple rapped for your enjoyment.
Speaker 5 (43:45):
Right, and their names something beautiful.
Speaker 4 (43:48):
Life cycle, life Strong, super Strong, Retirement grid b whatever.
That's where you're gonna go. So you climb, you climb
the ladder, right, you climb out of you play the game.
You go down the water slide, and everyone's splashing into
the same pool.
Speaker 5 (44:06):
The same pool. There's ten year old children, there's forty
year old young parents, and there's our grandparents. They all
get the same based.
Speaker 4 (44:14):
Off all get the same thing, and you wonder, how
can this happen.
Speaker 5 (44:18):
Well, it's engineered way so and it's brilliant marketing, absolutely
by the Wall Street firms, but they're not looking out
for you, the investor, guys.
Speaker 4 (44:29):
I'm gonna keep this simple. I know where Mike's going
right now. In terms of best ideas again, not a
solicitation to buy seller hold. Best ideas are really simple
and it depends on you, okay, depends on you for me,
for me, okay, depending on what you're looking to do.
If you're looking for growth, growth, growth, growth with not
one order of the possibility of downside at the end
(44:52):
of your term, it's pillar three. It's it's it's that simple, guys.
If you are looking to start staking up a real
income for retirement, it's pillar two, and you better do
it real quick, you bet, guys. There was a point
this week where I thought the FED was gonna come in.
Speaker 5 (45:07):
I thought the FED was good, I thought, but I
think they're just being suppressed right now.
Speaker 4 (45:12):
I'm wasn't gonna get into that, but I was going
to say, let me put it this way, there might
have been a very candid conversation that went on, and
I think it went both ways. I hope so I
think it went both ways. So the point is this, guys,
the Fed's gonna be lowing rates Killer two right now.
Take advantage of it. That's simple mine.
Speaker 5 (45:33):
I'm actually shocked they didn't dip their toe in.
Speaker 4 (45:35):
Mike. There was Mike. As we end the show, Mike,
please remind people about Pillar for.
Speaker 5 (45:43):
Guys, my baby guys.
Speaker 4 (45:45):
We're gonna favorite guys. Let us talk about Mike's baby guys.
Easiest way www. Dot Madisonmanagers dot com. Use the clickbox,
let us know you want to call, Let us know
you want the freebies, the d D two point zeros.
We'll get them right out. Let us get this educated
guy because it is a critical time. We'll see in
the office.
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Member finraw as IPC oasaic Wealth is separately owned and
other entities and or marketing names, products or services referenced
here are independent of Osaic Wealth. Madison Wealth Managers and
Osaic Wealth Inc. Are separate and unrelated companies. Information provided
is for illustrative purposes only and does not constitute investment,
tax or legal advice. Information has been obtained from sources
(00:21):
deemed reliable, but its accuracy and completeness are not guaranteed.
Neither Osaic Wealth Inc. Nor Madison Wealth Managers accept any
liability for the use of the information discussed. Consult with
a qualified financial, legal, or tax professional before taking any action.
Any opinions expressed in this form are not the opinion
or view of Osaic Wealth Inc. Information in this illustration
has been obtained from sources believed to be reliable and
are subject to change without notification. The information presented is
(00:44):
provided for informational purposes only and not to be construed
as a recommendation or solicitation. Investors must make their own
determination as to the appropriateness of an investment or strategy
based on their specific investment objectives financial status and risk tolerance.
Past performance is not an indication of future results. Investments
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Speaker 2 (01:04):
You are about to experience the planning for prosperity Show
three two.
Speaker 3 (01:10):
Who here?
Speaker 4 (01:17):
Oh stop.
Speaker 5 (01:19):
Wait, this isn't Georgia Master.
Speaker 4 (01:22):
You're pretending to not know it's Master's Week.
Speaker 5 (01:26):
We do this every year.
Speaker 4 (01:27):
I know you keeople are so sick.
Speaker 5 (01:29):
No, no, I believe this is Hans Zimmer who plays
this Don Zimmer?
Speaker 4 (01:35):
Isn't he? Is he a golfer?
Speaker 5 (01:37):
No, he was a composer, Lee Westwood, is it? That's
the golfer you now?
Speaker 4 (01:44):
Happy weekend? Everyone. Apparently apparently they're hitting a stick. They're
swinging a stick and hitting an orb.
Speaker 5 (01:51):
It's like a warm one. We need it right now.
Speaker 4 (01:54):
Listen, Daniel Polanski, Managing director Michael Brown. No one is
going to tell me that they can see that orb
when they hit it and it flows two three, four
hundred five hundred yards. However far these orbs fly, they
can't see that orb.
Speaker 5 (02:10):
It's erroneous. You absolutely can.
Speaker 4 (02:12):
You can see the orb.
Speaker 5 (02:13):
You can track and on television they have something called
shot track.
Speaker 4 (02:17):
Oh right, so they can see the orb so they
put the shot tracker on it. Car.
Speaker 5 (02:23):
Welcome the Masters weekend.
Speaker 4 (02:24):
Everyone, Welcome forget, Welcome to Master's Weekend. Welcome to Masters.
We can aboard the cruise ship. We again all thank
yous to all of you. You make the ship sail
www dot Madisonmanagers dot com, m A D I S
O N M A N A G E R s
(02:44):
dot com. You're going to use the clickboxers like you
all do the little clickies, right, It says, as Dan
and Mike set your appointment, whatever it is, click on that, okay,
whether it's your phone, whatever, whatever it happens to be, Okay,
utilize that. Then you're going to let us know. Let
us know very simply, DoD version two point zero were
(03:07):
allowed to have opinions. You want us to have opinions.
In our opinion, it is our best estate planning work ever.
Now why I'm pounding the table this week is we
sat down with one of you this past week and
it was a market related sit down and that you badly,
badly wanted to be educated on protections. Okay. However, nearly
(03:31):
instantaneously into the conversation, we realized Michael something that Again
we haven't talked about this in a bit given market
to malay. But the reality is, Michael, super duper trust, right,
super dupa trust. Here we go, super duper trust right, printed, gorgeous,
gorgeous binders everything.
Speaker 5 (03:51):
Am I guessing fifty pages at minimum?
Speaker 4 (03:54):
But it was, it was gorgeous, gorgeous, gorgeous, gorgeous. The
problem arose when we asked, well, what is in said trust?
Speaker 5 (04:03):
And then it's just crickets, nothing, silence, nothing, nothing, Well,
and in D O D there's a white paper explicitly
on that correct why and how you need to fund
said trust.
Speaker 4 (04:18):
That is why I bring it up, effynt, because that's
not even on my and depend And again, this just
goes to show that we all have broad needs, right.
We all have different needs, right when it comes to investing,
when it comes to estate planning, when it comes to
beneficiary decisions, when it comes to insurance decisions, et cetera,
(04:38):
et cetera. We all have various needs. Mike. It just
goes to show the breadth of what we put together
here in D D two point zero. And this is
including our own horns. Guys, this is a freebie. Okay, Again,
I think a lot of people might still out there
think that we're charging for this. I really I wish
we were. We're not, guys, it's can we totally really can?
Speaker 5 (04:58):
I mean I don't know, Well, it change tax?
Speaker 4 (05:01):
Is it tarriff? Was this tariff at the game the.
Speaker 5 (05:03):
Materials might be tariff? Luckily we have a new shipment
before the tariff.
Speaker 4 (05:07):
Set it got to the ports, It got to the
port and time in time. Okay, point is this, guys,
Grab two copies. It's that simple. It is totally totally free,
and we ship it for free. This is not one
that you want emailed electronically, whatever you want to call it.
We want you to have the tactile version because again
this is going to go in your library and we
want you to give one to one of your loved ones. Okay,
(05:30):
it's that simple. So again, easiest way to do it again,
big thank you to all of you already have it's
www dot Madison, M A, D I, S O N
Managers dot com. Use the CLICKI box. Okay, use the
click and then you'll see whatever. Leave your phone number address, however,
many copies. How we can get in touch with you
whatever you would like. However, we can get these guys
(05:52):
to you. We are going to get out your d
D version two point zero because there is a lot
going on out there that's outside of the world of investing.
Speaker 5 (06:00):
Michael, all right, to our to Madison Nation, our fans,
our listeners, our clients, buckle up. I have seven bullet points,
all aimed at raising Dan's blood pressure. This week.
Speaker 4 (06:13):
It's already been raised. Michael. Those of you who have
been on the phones with Wave this past week, you
know how fired up I have been. And we were
reminded of something Michael, and you know a lot of
people like when we do the month to month and hey,
we're thinking about this for the next month, you know,
regards to markets. I think we made it very clear,
(06:37):
and again we made it clear on these airs, right,
but we were reminded by miss Mary super fan, super
client right that going into this year, we made it
pretty clear that we thought this year was going to
be the year of what Michael.
Speaker 5 (06:50):
Principal, protection, protection, protecting our monies, protections, cure, not being naked,
not being cavalier, not buying the hype of the and.
Speaker 4 (07:00):
It's it's guys, this goes back to Michael. Okay, because
I'm no longer going to get into as much as
I love to deconstruct the actual one offs with respect
to cash flows, etcetera, etcetera, with respect to individual stocks.
I think I'm about to the point of most portfolio managers,
(07:22):
most hedge fund manager, most traders out there, Mike, I
don't know how much of that even plays in anymore.
To be brutally honest, it's the world. The world is.
The world is. The world is driving this.
Speaker 5 (07:32):
Bus well, whether you want to call it chaos, mayhem.
We don't use this word volatility, right, that's what the
talking heads talk about. We're seeing things in the past
week and a half we haven't seen in a long,
long time.
Speaker 4 (07:52):
Has nothing to do has nothing to do with cloud.
You're over your cloud revenue growth at a company called Hugle.
Speaker 5 (07:58):
Nothing zero, It doesn't matter, any doesn't matter. And we're
getting back into earning season. But here's my question to you, Dan. Yes,
years ago, when COVID was the problem, companies use COVID
as a smoke screen to no longer give earnings guidance, right,
that was their pass. Are tariffs going to be the
(08:21):
new smoke screens?
Speaker 4 (08:22):
Already happened when you have the largest to that point, Mike,
when when you have the largest retailer, and I was
I was going to drop this bomb because some.
Speaker 5 (08:29):
Somehow it's public news. It's Walmart.
Speaker 4 (08:30):
Walmart, largest retailer in the world, literally pulled guidance. So
when that happens, that's about That's about as difficult of
an environment as you can be operating.
Speaker 5 (08:42):
In because you know what this is adding to uncertainty,
oh angst, the unknown, the gray areas where the select
model three moderately aggressive blah blah blah blah portfolio that's
going to guide you if.
Speaker 4 (08:58):
You were fortunate enough to listen to Michael Brown, be
educated to buy Michael Brown, and you simply opted for
pillar four for a portion and or a majority of
your investment assets. Let's call it five years ago, okay,
and that is coming due, right, your du date's coming
to your maturity date's coming due.
Speaker 5 (09:16):
We're doing cartwheels, Mike.
Speaker 4 (09:19):
I'll listen, all go out there, I'll go out there.
I would all, Mike, I will say this. It has
to be in terms of diversified asset, right, in terms
of diversified portfolio, it has to be on the deck.
Is one of the five best performing assets over the
last five years, depending of your major assets.
Speaker 5 (09:37):
Well, I'm crazy commodity. I'm not comparing it to that now.
Speaker 4 (09:42):
But what I'm saying is diversified assets depending on what
level of protection you chose. Let's say you will you're
a fan of the twenty percent downside protection I am.
Let's say you chose that. It has to be, Michael,
it has to be. It's not even close because what
did you avoid? What? What? Look at what? You're mad?
Speaker 5 (09:58):
All of twenty twenty two?
Speaker 4 (09:59):
Oh, but go back either right, this is a five
year No? Right, this is a okay?
Speaker 5 (10:03):
So where do you want to start? Would the bond
market meltdown cold?
Speaker 4 (10:07):
Well again, let's go Louis had COVID. Right, you had
twenty twenty two, which was a there's no master, nothing
you can even say. And now you have this, which
there's nothing you can even say. You had. Money is
repatriated into your account, not once, not twice.
Speaker 5 (10:23):
But we're going to be doing reinvesting again with markets low.
Speaker 4 (10:27):
Very very good, everyone, Michael, We're gonna have so much
education today. Go to break, guys. In the meantime, d
D version two point zeros guys, there, Freebie, freebe Freebie's
is a lot going on out there. Www. Dot Madison
Managers dot com. Go on out there right now, click
on one of those little clickboxes and just let us
know how do we get your copies to you for free?
What's see right back?
Speaker 2 (10:49):
You are about to experience with the planning for Prosperity
show in three two.
Speaker 4 (10:56):
Deer here the boss.
Speaker 5 (11:02):
Christmas Kansas?
Speaker 4 (11:05):
Are they planning golf in Kansas?
Speaker 5 (11:08):
Where is now? I'm confused about the.
Speaker 4 (11:13):
Happy Master weekend? Everyone. If it's a classic, Daniel Planski,
A classic in what world?
Speaker 5 (11:21):
And the people who enjoyed the world, and if people enjoy.
Speaker 4 (11:23):
America in the world of twenty five draw downs across
all as all ASSA classes.
Speaker 5 (11:29):
The market seems to be somewhat of a wayward sun A.
Speaker 4 (11:33):
Well done, Daniel Pvulanski. Michael Brown Managing director, Michael Brown,
so proud to be here this weekend, every single weekend
Polantic for a Prosperity Radio. Welcome aboard the cruise ship, guys.
As a reminder and again, big thank you to all
of you who have already grabbed your do D version
two planos those of you who have not. Again, we
(11:54):
had to sit down with one of you listening right now,
new client to Madison. Fabulous. That's why we do this, guys.
But it started with education, and it started with you
wanting to be educated on the pillars. Let's talk some more, right,
and within two minutes of the discussion we learned what
we see more than quite often with the unfortunately unfortunately
(12:17):
that you had a super duper trust that unfortunately had
nothing in it. So what was it worth? Dan outhouse wallpaper? Yep,
that's that's so again. Point being guys, we educated in
the d D on this dood version two point zero,
we're allowed to have opinions. In our opinion, it is
our best estate planning work. Ever, it's professionally bound and
it will be hit by Terris very shortly. So grab
(12:38):
your copies now. Suggest you get at least two their freebies.
Just let us know, guys, how we get them to you.
We can't make it easier simpler than that, So www
dot Madison Managers dot com. You guys like when I
spell it, it's www dot m A D I S
O N M A N A g E r s
(12:59):
dot com. Use one of the clickies. Okay, click you
know asty in our mike, want to set an appointment,
whatever it happens to be, leads you to the same box,
just let us know how we get it to you, name,
phone number, whatever it happens to be. Address.
Speaker 5 (13:11):
And we don't talk about this enough. The reason is
two point zero is we added some market information to it.
And there's a three page white paper inside of it
that says understanding risk. No one cared when the market
is always ripping higher, but now we were in this
absolute chaos. It talks about stock market risk, interest rate risk,
(13:34):
single stock security risk, and then what you can do
about it. And I think that's as timely as it
gets when we're in this absolute insane period of time
in the markets. So when you're talking about two the
DD two point zero, it's not just the state planning.
We added some market info to it.
Speaker 4 (13:52):
And I've got guys. You guys know this, you've been
with us so long. Not a solicitation to buy seller hold,
but you know that we've been talking the last couple
of weeks in that if you wanted to engage in
this marketplace, you know, take advantage of being able to buy. Notice,
we're not saying take advantage of some sort of astounding opportunity.
(14:13):
We're saying because again, we have no more clue as
to when these markets will turn than Santa Claus himself. Okay,
no more, and no one does, guys, no one does. Okay,
Here we can tell you when we think it's washed out,
sentiment looks terrible, et cetera, et cetera. Doesn't mean it's
gonna turn okay. May mean you put a bottom in,
doesn't mean it's going up.
Speaker 5 (14:33):
Well, unfortunately, I still hope. But here because all we
hear is one little chirp out of the White House,
and it's either boom or bust.
Speaker 4 (14:41):
But here's the point, guys, here's the point. For those
of you who wanted a discount, right, we always like
again makes sense, right, We like to buy discounted securities,
just like we like to buy discounted chess king master
suits that mister producer wears, right, we want a discous
does To the point is this, Mike, was they're a
(15:01):
simpler AD? Was there a simpler AD and or a
technically and I'm gonna go technically superior ad to adding
to your pillar two investments if you so had those
in place?
Speaker 5 (15:17):
Was there well, what makes all the all the problems
go away. I'm now insulated from market risk. I'm insulated
from having my future income go down.
Speaker 4 (15:29):
And and and what do we get, Mike? What do
we get? Let's say I'm the person that says, Dan,
twenty five percent down seems good for me to get
in here. Okay, all right, let's play pillar two right,
where again you're gonna have a very against should you choose,
You're gonna have a very highly regarded, not us regarding it.
(15:51):
We don't do that. We play the rating agencies games, right,
the the butterflies and the feathers and whatever it is.
That right, you're gonna have a very highly guarded growth manager,
value manager, all of the above. Okay, you give a
highly regarded portfolio. So let's play the math game, right,
twenty five percent down means you best be thinking about
(16:13):
thirty three plus percent upside, right, that's the way the
math works, right, just to get back to even even?
No growth, right, getting back to even. So here's my point, Mike,
you put fresh money to work. And then again, conceptually,
guys who put fresh money to work in pillar two, right, Mike,
you're going to get most, if not all, of that
upside capture, right, who knows? Maybe more, maybe more, We
(16:33):
don't know, right.
Speaker 5 (16:34):
But you are in control.
Speaker 4 (16:36):
Uh huh, but bought. Here's the thing with those dollars
that you add. Okay, it makes us feel good. When
the portfolio value goes up, you will get that, of course. However,
you have just accelerated your guaranteed withdraw dollar like nothing else, right, Mike,
(16:58):
and let Ela that yeah, do it?
Speaker 5 (17:00):
Most people know, Dan. If I'm approaching retirement age, what
am I thinking about thinking about income in the future.
I'm thinking about Social Security, I'm thinking about Medicare. And
if I'm thinking about income, if I'm just using that
Blueberry portfolio, I'm not feeling wonderful. Okay. But if I'm
(17:23):
using pillar two and we're going through the absolute insanity
of the markets we're experiencing right now, I don't care
about the tariff game, I don't care about the interest
rate volatility. All I know is, even if the markets
are awful for the next few years, every year I
(17:44):
wait to take my income, it's guaranteed to go up
even if the market goes down.
Speaker 4 (17:49):
And we're not talking about a small percentage under any
under any strap now under any stretcher, we talking about
what anyone would consider a small percentage. It's let's call
it this way. It's it's more than fair. It's more
than fair. In fact, when we give the number.
Speaker 5 (18:06):
It's one hundred and fifty percent of the ten year treasure,
right right? How about are you going to get that right?
Speaker 4 (18:11):
When we give the number to you guys offline, most.
Speaker 5 (18:14):
People say, really no, it's what yeah?
Speaker 4 (18:17):
Right exactly. So my point is this is there, conceptually, mathematically, tactically,
from a protection standpoint, a better ad than adding to
your pillar twos.
Speaker 6 (18:29):
Oh well, let's let's talk about in the last week
and a half, with the absolute chaos in the market,
the phone calls we get from the people and the
pillars two, three, four, five.
Speaker 5 (18:42):
Aren't hey, Dan, Mike, what do you think the chance
of recession is? What do you think the Fed is
going to do? No? No, no, The questions are Remind
me again, I don't care what happens, what my income
is going to be next year? And those are the
conversations we like to have.
Speaker 4 (18:58):
And how about how about how about those of you
who just had that cash and you just established the
brand spank and new pillar three portfolio right where you.
Speaker 5 (19:10):
Are, same conversation. I'm not worried about what's happening in Laos.
Speaker 4 (19:14):
Well, Mike, When you can contractually inoculate an investor against loss,
there's really no where else to go.
Speaker 5 (19:24):
I can't even imagine.
Speaker 4 (19:25):
Dan.
Speaker 5 (19:26):
I am at the big box bank store, right and
I've sold everybody the blueberry portfolio. And let's get make
that clear. I sold them well said, all right, because
that's what I'm allowed to sell the investor, and there's
no education there anyways, there's no education. Here's what the
conversations must be like, mister investor. Everything is going to
(19:46):
work out. History tells us things are going to be okay.
Market always comes back to have faith. Hang in there.
That's blowney. I'm never gonna have those conversations because we
don't know if any of that is actually true.
Speaker 4 (20:04):
I listen, guys, have something that is just blow Even
if you love the blueberry pie, you love your salesperson
over at big banks superstore. Please, at least in these times,
it's the guys. It's the world changing. It's it's not guys.
This this it's getting away. The world now in terms
(20:28):
of financial world is getting away from what I love. Okay,
it is. It's very clear you can't. The value that
you can place on fundamental analysis. Now, whether you believe
anyone does it anymore or not, that's a different argument.
The value that you can place irrelevant rel exactly, guys.
Speaker 5 (20:47):
How about technicals irrelevant when you have theory irrelevant?
Speaker 4 (20:53):
Guys, these aren't You don't understand these the real moves
from the standpoint of yes, you're endororring them if you're
in the Blueberry portfolio, they're real moves. But these are nothing.
These aren't in tax with these, These are nothing that
you can train for. They're not. Guys. There is no
make no mistake, There is no modeling around this. You
(21:14):
know how you model around it. You put a little
money in pillar two. You talk to Mike about pillar four.
You got some spare cash. You got an old four
oh one, k I ra pillar three. Baby, that's what if?
Speaker 5 (21:25):
What if I just want to make a lateral move
from the growth fund of as you say, Mississippi, let's
have the same gross stocks but have protections on them
or guaranteed income in the future.
Speaker 4 (21:34):
Well, we do the paper we we do the paperwork.
It takes it takes five minutes, so go to break
guys in the meantime.
Speaker 5 (21:39):
And I'm gonna rile Dan up the b O D
version two point l.
Speaker 4 (21:42):
Guys, grab your free copies. You heard that right, free, free, free, free, free,
let us educate www. Dot Madison, M A D I,
S O N Managers dot com. Use one of those clickies.
Click it. Let us know how many copies we can
get you, and they're free. We ship them for free.
Speaker 2 (22:00):
You are about to experience the Planning for Prosperity Show three.
Speaker 5 (22:10):
If I could keep it in this is'm usually in
the water the s This has not happy.
Speaker 4 (22:26):
John Denver. You should have known me, not John Day
planning for a Prosperity radio Welcome avoid the cruise Ship.
Speaker 5 (22:34):
I don't know what to say right now.
Speaker 4 (22:36):
Pivotal week, I think, Michael, in terms of getting as
many of you on the cruise ship as we possibly can.
Speaker 5 (22:45):
Maybe in the haven on the cruise ship. I think,
with your own eckery.
Speaker 4 (22:49):
I think it's pivotal because Michael, we just went through
a segment where and again, guys, you guys know me.
I'm upbeat, I'm positive, et cetera, et cetera. To a fault.
Maybe well Michael's the opposite. But here's the point, guys,
and they can guys. What is going on out there
(23:10):
is indescribable in terms of market movements, in terms of
how to play the get me to retirement game, in
terms of how to keep me retired game. Let me
be perfectly blunt. And this is before we get to
the website, before we get to anything. I have no idea.
(23:33):
If you are listening right now and you are, as
Michael Brown calls, naked in the capital markets right our
pillar one right, If you're totally naked, that's all you have.
Speaker 5 (23:42):
You have a model portfolio, or you have a bunch
of mutual fundsfs. They threw in a couple of stocks.
Speaker 4 (23:48):
You got your basket of stocks.
Speaker 5 (23:50):
You are at the whims of this insane market.
Speaker 4 (23:53):
I'm gonna tell you right now, I'm gonna again, I
can't do it because I'll get into trouble. I'll say,
I'll say it this way. I don't know how you
do it. I don't know how you do it.
Speaker 5 (24:01):
I don't know how I would sleep at night.
Speaker 4 (24:02):
I don't know how you do it. I really might
because again, we again, what is going on in markets
right now? Okay, and this went on in twenty twenty two,
and you guys know this. We point this out because
so many don't. So many pretend that we're in this
grand bull market bull crap right the.
Speaker 5 (24:21):
Bottom will still believe that.
Speaker 4 (24:23):
I think they did, because what was you know what
the financial media does, right in the normal talking heads
and these talking radio they want to pretend everything's golden.
Right Meanwhile, because what.
Speaker 5 (24:32):
Does Wall Street want? Keep your money in their ATM
machine mutual funds, model portfolios.
Speaker 4 (24:39):
Meanwhile, the reality was the numbers of the numbers. Twenty
twenty two was arguably the worst year for the blended
financial asset portfolio.
Speaker 5 (24:50):
That's called moderate in the balance.
Speaker 4 (24:52):
In the United States in the history of this countrary.
And yet we glazed over it. So we went through
that in twenty two, right, if we were lucky enough
to have protections in place, Right, Mike, you glossed over it, right,
Good for you. But my point is this is for
those of you who didn't. Right, so you had a
(25:13):
bad experience in twenty two, twenty three, you had your
comeback year. Then you went into twenty four. And the
problem with twenty four, guys, was there was an argument
to be made mid twenty four that things were starting
to break down like in July, right, and then September
they definitively started to break And now.
Speaker 5 (25:33):
When we were telling people the economy is not golden correct.
Speaker 4 (25:37):
So the point is this, you had one of the
worst years in the history of the blended portfolio in
this country, right, the mask the math, you had one
of the worst years. Okay, there's only a few other
years that we even compete. You had that, you went
through that, you got a recovery year, right, you got
six months of maybe thinking we're on the growth trajectory again,
(25:58):
and then you get this smacked in your face. Okay,
no one is going to make an argument that goes
like this, Well the average are you get a ten
percent correction, so it's super good.
Speaker 5 (26:14):
Okay, and not this is the show. I was gonna
get your blood pressure, but you're getting mine up.
Speaker 4 (26:19):
Guys. That crap has to be put to bed forever
anytime you hear that nonsense. Okay. The title next to
the name is going to be something along these lines.
US Equity Strategist Wealth Management Americas, US Portfolio Manager Equities.
(26:43):
It's going to be something along those lines, and That's
not an insult to them. They're doing their job, but.
Speaker 5 (26:48):
They're they're constrained into what they contact. Why these guys
don't have amnesia. They can only do so many things.
Speaker 4 (26:54):
In their own personal life. They may have Killer two
up the kazoo. We have no idea, have no idea.
We have absolutely no idea, Mike. But the point is, guys,
please please please let us at least educate on the
pillars at this critical critical time. Best way to do
(27:17):
so to get in touch www dot Madison Managers dot com,
m A D I S O Nmanagers dot com.
Speaker 5 (27:25):
So I'm gonna borrow from a great commercial. I saw,
oh okay, I'm borrowing and it said, if you were
having your bathroom remodeled, you're gonna get at least two bids. Right,
You're gonna get a second opinion for something that is
just in your home. Then you get a little bit deeper.
(27:49):
If you have a serious health event, you're gonna get
at least two opinions. Correct. I did it after I
had even though my dear friend is a surgeon, I
wanted a second opinion. Why are we not getting second
opinions on the Blueberry portfolio? To come talk to us.
That's all we're doing is being good stewards of our
(28:09):
own money.
Speaker 4 (28:10):
Mike, you know, you know my opinion on the blueberry
and this is not knocking the Blueberry portfolio. What it
is though, it's a commentary in the fact that I
do believe you cannot be properly educated on the true
blueberry portfolio. You cannot say because.
Speaker 5 (28:22):
The thirty mutual exactly right, the names are absolutely insane.
Speaker 4 (28:28):
Cannot There is no one individual, There's no one individual
that would have even the time, even if they had
all of the knowledge in the world. They don't have
the time to educate you on that.
Speaker 5 (28:43):
And we have to buy sophisticated, expensive software to help us.
We've been doing it for decades.
Speaker 4 (28:49):
We have to be on these airs to even begin
the education discussion.
Speaker 5 (28:55):
Right, And what's important is we're gonna talk about real
world things. When are we retiring, how much income do
we need to provide for, What are our fixed costs
that we need to get taken care of, and then
what are our wants other than our needs. I'm not
gonna have to talk about, Oh, the tariffs on China, Well,
(29:18):
all they're going to do is skirt the issue, and
they're going to put the Laos, Cambodia, Vietnam little stickers
on their shirts and their shoes instead of China. Who
cares about that? What I care about is when I
want to walk away from my job, whatever that may be,
at whatever age, I need to figure out how am
I going to get there without the world decimating my savings.
Speaker 4 (29:41):
Well, that's again, that's that's.
Speaker 5 (29:43):
The real conversation, not this other tariff nonsense.
Speaker 4 (29:46):
Twenty eighteen, COVID twenty twenty two, right, twenty twenty two,
and now this.
Speaker 5 (29:53):
But here's the difference today. The government in not here
but around the world, including the US, there's no bailout
this time right, there's no government coming to the rescue
this time around.
Speaker 4 (30:07):
Might be the opposite. I mean, depending on how deep
you want to go down the proverbial rabbits.
Speaker 5 (30:11):
There's not going to be trillions and trillions of dollars
of money put in your mailbox, buying securities in the
open market, fluffing whatever they can do. That's gone. There
is no bailout this go around. It's just the opposite.
We might have to really rely on resilience and that
if you're naked in the market. That might get painful.
Speaker 4 (30:33):
Well, Michael, let's just get a factoid out there, guys.
And again this is not a knock you listen. I mean,
you could have done the fundamentally correct thing and had
a very nice waiting of your portfolio in small cop
stocks right over the last three, five, seven years.
Speaker 5 (30:51):
Would that be the magenta color of my pie chae?
Speaker 4 (30:53):
It would be. But the reality is is they screened
very well in terms of being cheap right relative of
two their large cap counterparts. Here's the problem. At one
point they got cheaper you ready for this, Mic, at
one point this week We're not talking about microcaps. I'm
talking about the Russell two thousand right as your proxy
for small caps. Right one point this week, Mike, they
(31:14):
were down from where they were seventy years ago, not one,
not two, not three, not five, seven years, seven years, Mike,
whereas you could have had you could have listened, guys,
you could have owned them in a balanced portfolio within
pillar two and at least at least had you're guaranteed
(31:36):
withdraw dollars scooting up each and every one of.
Speaker 5 (31:40):
Those years, and not by a diminish We're talking six
to seven percent per year.
Speaker 4 (31:47):
Instead you're sitting there just like so security saying, mister
blueberry pie baker, you told me.
Speaker 5 (31:55):
That this was gonna grow, You told at historical rates,
and I was gonna be okay, And now it's looking
like I'm not gonna be over.
Speaker 4 (32:02):
And guys, we're not. No one is always right. We're
we're not saying we're always right. You guys know that
we call it out. No one is Listen. The point
is this we want to in the words of Mike Brown,
and this is how we have to crystallize this. Now, Okay,
we've had enough of these. This is how we have
(32:22):
to crystallize this. You have to at least attempt to
avoid the flat tire tires. You have to.
Speaker 5 (32:30):
You have to unless you're balance sheet you get ten
twenty million dollars. Who cares, I would, But the regular people,
us regular folk, we can't afford to keep getting killed
every couple of years.
Speaker 4 (32:45):
But Mike, even with those individuals who again and we counsel,
We counsel some of those individuals. The problem is you're
still you're when you're there, right, when you've arrived there right. However,
it happened to Billy you're looking at the next gene, right,
and maybe even the generation beyond that. And let's also
be brutally honest. When you have a bigger balance sheet.
Speaker 5 (33:08):
You typically spend amen, you.
Speaker 4 (33:11):
Typically spend a lot more. Okay, So it's just as critical, right,
it's just as critical that we do this thing right,
rather than have this cavalier attitude that everything's gonna be
all Ryan Blueberry portfolio is fined. Why on earth now
(33:31):
that we're going to break Mike, I just thought it
just came into a man in pillar four. I can
be the Russell two thousand. Be any flavor you all right, guys,
please please please let us educate. Www. Dot Madisonmanagers dot com.
Head on out there right now. Whilst you're thinking about it,
click on one of the clickboxes. Ask Dan a question,
(33:51):
make an appointment, whatever it happens to be again, first
way to start, do a deep version two point oh.
Let us get a couple of free copies to you. Okay,
send an appointment, let us educate. We can get your
educational materials on literally anything you're looking for that you
hear on these airs, so we'll see you right back.
Speaker 2 (34:08):
You are about to experience the Planning for Prosperity Show
three two.
Speaker 3 (34:14):
Here this is Kenny from Candy Shaky Kenny who Kenny
Loggett's didn't you say his brother was the other?
Speaker 5 (34:28):
They're not relating.
Speaker 4 (34:30):
Daniel Polanski, Michael Brown, Managing director, Michael Brown, Madison Wealth Managers,
planning for a Prosperity Radio hour. Welcome to our golf theme.
Speaker 5 (34:39):
All right, man, anybody who's seen the movie Caddy Shack
knows this song.
Speaker 4 (34:44):
Our theme this week has been protections. We've kept it
real simple, guys. And you know, Michael, maybe next week
we'll kind of scoot through the pillars. Right, Maybe next
week we'll scoot through the pillars and we'll do a
little bit, a little bit in depth dance because I'm
like again again guys, and again. Best way to grab
us right, grab your d D version two plinos. Okay,
(35:05):
that's where to start with us. That's again in our opinion.
We're allowed to have opinions. You want us to have opinions.
In our opinion, it's our best estate planning work ever, okay,
and it is professionally bound. It will be in your library.
You'll be able to give it to a loved one
beneficiary club member, executor, trustee, whatever you would like. That's
a great way to get a flavor for how we
(35:29):
educate at Madison. We do not sell. It's that simple, okay.
Speaker 5 (35:33):
Because we're just not very good at it.
Speaker 4 (35:34):
Well, I you know, Mike. The point is this too.
The point is and guys, we come across this, let's
get this and let me get this at www dot
Madison Managers dot com. Guys, it's www dot m A
D I S O N M A n A g
E r s dot com. Here's the issue that's so
(35:54):
many of you experience when you come aboard the cruise
ship right from Blueberry Pie Land, from the bakery right
you're you're at the bakery at the big box supercenter bank. Okay,
that used to be a brokerage firm, right until they
got too deep in the structured notes that they're now
reselling you. Okay, and make no mistake, that is truth.
(36:16):
Here's what we have to do. It takes time, guys,
because when you select from our protective pillars, right, meaning two, three,
four and or five. Right, when you select from our
protective pillars, and you see what we're witnessing here meaning
(36:41):
meaning absolutely smashing of financial markets. Let's let's cut the
volatility crap. Let's cut the Oh we got a ten
percent corruction on average every year, everybody, Let's cut all
that nonsense. Okay, this is a pulverization of markets, Okay,
of financial assets. Here's the point, guys, so many of
(37:02):
you like, how many conversations do we have to have
to get people to relax after the fact and understand
how the pillars are working for them, because.
Speaker 5 (37:12):
You have to experience it. Girl, you got.
Speaker 4 (37:16):
Because they're so accustomed to blueberry land, blueberry pieland they're
so accustomed to getting the phone call once every two years,
Joe Chain, we have to change a couple of your
mutual funds. Okay, they're so accustomed to that. They're so
(37:37):
accustomed to playing the waiting game, waiting for things to
get back to even they're so accustomed to having to
wait for dividends to come in and share prices to
go up to actually have an income stream right in retirement.
That that's what and and hope that dividend holds.
Speaker 5 (37:57):
And it's gonna get worse if we fished the year
where we are now in financial land, and you everyone
listening knows that I absolutely despise bond funds. Your bond
funds are down again this year. You're going to pay
taxes on the income that they pay you, and you
(38:20):
might even get a capital gain as they've had to
sell positions during this awful month we've had.
Speaker 4 (38:26):
Right now, if they bought the bonds fifty years ago rather.
Speaker 5 (38:30):
Than and I'm holding a real statement in my hand, Daniel,
instead of owning these terrible bond funds, you own Pillar five.
And I'm doing a couple of things here. A, I'm
never getting a tax bill until I choose to. I
made eight percent last year, and at this juncture, at
reset in February, I'm at least guaranteed to get three
(38:54):
percent this year. I'm not getting a tax bills, and
I'm not seeing my portfolio go down. So if you
own bond funds, which everyone does in every Blueberry portfolio,
get a second.
Speaker 4 (39:08):
Opinion every four one and compare.
Speaker 5 (39:10):
Pillar five to your bond funds. And it's not it's
not even close. It's it's not a knock. And we've
done this for ever, guys. We're not knocking the practitioners.
Speaker 4 (39:18):
We're not.
Speaker 5 (39:19):
It's the landscape. It's eximptly. It's the world exactly. Again,
these guys are not dummies. It's just how they they're
trying to always row upstream and you can't forever.
Speaker 4 (39:31):
It's like attempting to explain, Michael as to why let's
use an individual stock that rhymes with that rhymes with Google. Okay,
It's like trying to attempt to explain how the trailing
price earnings ratio on Google, despite all their growth, their
track record, bulletproof balance sheet, et cetera, et cetera, is
(39:51):
lower than that of the overall S and P five hundred,
which has such companies as Hershey, CBS, people that make burgers,
sugar joint guys. It's inexplicable. It can't be explained. It's correct, Mike, correct,
So Mike your point there, and Pillar five, guys, Pillar five,
(40:16):
it's the easiest solution going. Right now, when you say, Dan, Mike,
I have a CD, I have money in the checking account, right,
I still want to feel protected, right right, right, right right,
That's how those two go together. Right, That's how those.
Speaker 5 (40:35):
It's not it's called your safe money.
Speaker 4 (40:36):
Right, it's called it's not. It's not Pillar three, where hey,
I want to take a shot on goalf. There's no
sexy here, correct, It's it's bland as bland as bland can.
Speaker 5 (40:46):
Be, and right now it's a superstar.
Speaker 4 (40:48):
I would, but Mike, that's that's exactly where he's going.
Does it get any better than that?
Speaker 5 (40:52):
No, I don't see how I own it.
Speaker 4 (40:55):
No, I know, but by your whole point, it's like,
I don't see. I don't see how it gets any
better all.
Speaker 5 (41:01):
Of a sudden, boring, transparent, nuts and bolts, as you say,
blocking and tackling. Boy, it looks pretty good right now.
Speaker 4 (41:10):
Yeah, we've got to get back right. We've just got
to get back to simplicity here, guys, we we really,
we really.
Speaker 5 (41:16):
Love I've said this a thousand times in these airs,
especially now, there is such elegance and simplicity.
Speaker 4 (41:24):
We've got to get back to it. We've got to
get back to the fact where you know, I even
think about it, you know, and I'm thinking about think
about our client right now. I'm thinking about our client, Mike.
And you know he called, and you know he's got
he took advantage of the t bill sale that went
on right for about your and a half, these financial arguments.
(41:46):
He took advantage of the T bill sale. And now
he's saying, Dan, you know what, and he already is
involved in Pillar two. He's got he's got a Pillar
two instruments where again guaranteed withdrawl rate for life at
one of the highest witch roll rates circle the last
twenty years. And that is not an exaggeration, is what
(42:06):
it is. Right, He gets market exposure, right which this
market is now down depending on what you want to
look at twenty twenty five, thirty, whatever, it doesn't matter, okay.
And he's saying, Dan, I listened to the radio. Let's
get moving, and I see you, Brendan. Let's talk about it.
Let's let's let's talk about it. Let's let's let's get
(42:30):
moving right, because Mike, isn't that the natural holf right now?
And if you're not getting that phone call from your advisor,
why aren't you well?
Speaker 5 (42:38):
And I'm pretty sure no one from your abandoned four
oh one K plan is calling you. Oh these are
disaster right, your your lost irais no one's given you
a call or you're putting these model portfolios. There's no
there's there's no communication.
Speaker 4 (42:56):
Let me ask you a question, Mike, and This becomes
interesting only because I know what these guys are all
doing now. They're all going to this quiz base. Right,
you take your little quiz your press which again, check
a box. Do you think the quiz results lead you
to any different solution?
Speaker 5 (43:12):
No, that's not what it's there for. And everyone listening
you have to understand, we're not kidding. It's not for
you the investors benefit.
Speaker 4 (43:19):
No, we're not kidding.
Speaker 5 (43:20):
It's for the super big box bank store. Correct to
check their box called compliance, right, because youtomer, because.
Speaker 4 (43:27):
You're gonna go at the end of at the end
of that quiz, right, all kidding aside, You're going to
go to a life cycle fund of some sort, right,
some sort of lifestyle pre package, triple wrapped. It's triple wrapped, right,
triple rapped for your enjoyment.
Speaker 5 (43:45):
Right, and their names something beautiful.
Speaker 4 (43:48):
Life cycle, life Strong, super Strong, Retirement grid b whatever.
That's where you're gonna go. So you climb, you climb
the ladder, right, you climb out of you play the game.
You go down the water slide, and everyone's splashing into
the same pool.
Speaker 5 (44:06):
The same pool. There's ten year old children, there's forty
year old young parents, and there's our grandparents. They all
get the same based.
Speaker 4 (44:14):
Off all get the same thing, and you wonder, how
can this happen.
Speaker 5 (44:18):
Well, it's engineered way so and it's brilliant marketing, absolutely
by the Wall Street firms, but they're not looking out
for you, the investor, guys.
Speaker 4 (44:29):
I'm gonna keep this simple. I know where Mike's going
right now. In terms of best ideas again, not a
solicitation to buy seller hold. Best ideas are really simple
and it depends on you, okay, depends on you for me,
for me, okay, depending on what you're looking to do.
If you're looking for growth, growth, growth, growth with not
one order of the possibility of downside at the end
(44:52):
of your term, it's pillar three. It's it's it's that simple, guys.
If you are looking to start staking up a real
income for retirement, it's pillar two, and you better do
it real quick, you bet, guys. There was a point
this week where I thought the FED was gonna come in.
Speaker 5 (45:07):
I thought the FED was good, I thought, but I
think they're just being suppressed right now.
Speaker 4 (45:12):
I'm wasn't gonna get into that, but I was going
to say, let me put it this way, there might
have been a very candid conversation that went on, and
I think it went both ways. I hope so I
think it went both ways. So the point is this, guys,
the Fed's gonna be lowing rates Killer two right now.
Take advantage of it. That's simple mine.
Speaker 5 (45:33):
I'm actually shocked they didn't dip their toe in.
Speaker 4 (45:35):
Mike. There was Mike. As we end the show, Mike,
please remind people about Pillar for.
Speaker 5 (45:43):
Guys, my baby guys.
Speaker 4 (45:45):
We're gonna favorite guys. Let us talk about Mike's baby guys.
Easiest way www. Dot Madisonmanagers dot com. Use the clickbox,
let us know you want to call, Let us know
you want the freebies, the d D two point zeros.
We'll get them right out. Let us get this educated
guy because it is a critical time. We'll see in
the office.
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