How To Know If You're On Track For Retirement

Join David and Travis Shepherd of Shepherd Wealth Solutions inside the Financial Lab Saturday at 10am on WJBO Newsradio 1150 AM & 98.7 FM to get a better understanding of the financial issues you could face preparing for and in retirement!
Visit shepherdwealthsolutions.com or call [phone] to learn more!

Episode Transcript

(00:10):
Welcome to the show. We appreciateyou joining us here for they one the
only the financial lab. My nameis Jessica, alongside mister David and Travis
Shepherd of Shepherd well Solutions. Eachand every single week, I want to
make sure you get the phone numberright off the bat two two five four
six five one zero six five twotwo five four to six five one zero

(00:30):
six five the website as well,Shepherd Wealth Solutions dot Com on the show
today how to know if you're ontrack for retirement? Plus are we seeing
the light at the end of thetunnel when it comes to the stock market.
But first, I want to wishboth David Travis happy Father's Day and
all the father's out there listening.Happy Father's Day weekend to you. Well,
thank you very much. It's agreat Father's Day. My little girls,

(00:54):
we're awesome. They made me cerealand they painted me some paintings and
they cleaned up the mess after theywere done the paintings. So Mom was
happy that girls were excited. Um, they got this new thing where they
like for me to pick them upand throw them so they can touch the
ceiling in our house. Okay,and Mom hates it, but the girls
love it so and she's not lookingwell and she's not listening. Hopefully today

(01:17):
you can put some hampers on thesas on the ceilings the way Dad plays,
got it? Yeah, that's right, that's right, that's right.
Well, I want to know howmany barbecue pits I'll be going this weekend
zone. I bet they sell alot of chicken and beef this weekend with
you right now, what's the dealwith that? On Mother's Day we gotta
bring them out to eat, orwe gotta cook for him. But on

(01:37):
Father's Day, we gotta cook forourselves. Let's be honest. They make
us cook and they get to goout and celebrate out of I'm gonna go
ahead and say what all the ladiesare thinking, so the phone lines don't
blow up, Ladies, I gotyou, guys. We're taking care of
everything all year round. We wantone day or you take us stouts and
you you know, wine and dineus. Let's face it, you guys

(02:00):
like to have a beer and beon the grill, So we're not taking
anything away from you. You're gonnabe just fine. I guess that's true.
We're gonna be out there and atnine degree heat. I guess that
stream. If you do buy aguy a tool for his birthday or Christmas
or for Follower's Day, he's allexcited about it. But if you buy
your wife vacuum cleaner, you're gettingstock from the back of the head.
You're a dummy. That's what exactlyI was about to say, Travis.
Listen, if the women start callingyelling at you, yeah I haven't.

(02:23):
I did my best, and I'vebeen smart enough enough. It's okay if
they buy as a power tool becausethey want us to put their right furniture
together. But you want the powerstrying to get us all in trouble right
now. I mean, that's myjob. I'm just stirring that you are.
You have that big spoon and youare a twirl and that thing in
there. Because here's the deal,guys. You guys are like, oh,
I want the new drill that doesthis, or I want this saw

(02:44):
that does this. Listen, that'syou. We never go to you and
say we want a vacuum so wecan do more housework. None of the
I don't know one woman that's eversaid that. I gotta agree with that,
all right, all right here,Yeah, I didn't get her.
I was gonna say I remember thisfor her birthday or any special occasion.
But she was all pumped up whenI brought home one of those little automatic

(03:07):
brooms. So I thought you werein shark or whatever they can because one
does the floors you were talking totell the story about. Sorry, So,
so when we were you know,there's six boys, right, so
you can imagine the amount of clothingin a household that has to get washed.
Um. Mom's pretty smart though,So Mom kept dropping hens to Dad

(03:29):
about the washing of the clothes,and she's like, you know, you
know, David, I can getthis done, and you're more welcome,
welcome, come help me out.You know he might every once in a
while, right, but you're morethan welcome to help me out. But
you know what helped me out themost. It takes twice as long to
dry the clothes as it does towash them. So if we had two
dryers and one washing machine, wecould knock this out this pretty quick.

(03:53):
Yeah, So a couple months later, all of a sudden, there's next
you dryer that shows up, electricianshows up, and the plugs in there
and we've got another I'm not mad. That was a lot of plays.
That's a lot of stuff in thisyeah, baseball season. Could you imagine
that we should throw the socks ina big old hamper? But yeah,
you'd have to dig through there everymorning, find your match. Sometimes you're

(04:14):
wear a mythmatch. Thanks. Ican say this right now, thank God
for whenever those little cut socks camein you go wearing because nobody knew they
matched or not. You just throwit on. I can't even see him
beneath your shoes. Tons of time, that's right, tons of time.
Well, you guys got a lotof stories here about old Mama, but
what about old Pops? Travis,you gotta have a good Father's Day story
for me, a good Father's Daystory or something maybe that Pops taught you.

(04:34):
Let's just pretend he's not here,so don't listen, David. What's
something has a good one is Dadwould tell me a lot of stuff about
like like money. You know,we talk about give him money a purpose,
right, and so he would teachus some things about that. But
he would say that time is kindof like money without a purpose. It's
it's it's not spent. Well,so you know, I always trying to
give yourself a little purpose to whatyou're gonna do so you get the most

(04:55):
out of it. That was thatwas a good one and a lot of
that I think, you know,whether you told me or not, it's
just from observing how he's able todo that with with six boys running around
and being able to be at thegames and the events and still teaching you
stuff and being around the house.So that was definitely a big, big
lesson. And that another lesson wasyou know, it doesn't count if you
don't show up. So that's yeah, that's lesson number one for the people

(05:18):
in your life. Absolutely. Whatabout what about you, David? Does
your dad teach anything or do youhave any you know, great father's day
wisdom to be still on now lostWe lost dad a few years back,
but yeah, man, he hadtons of stuff he taught me. He
used to teach me how to makesure you you're a hard worker. You
don't stay at a job, don'tquit you know you're gonna get it done.
Say don't play play, don't bea play play he's called pay used

(05:41):
to make those real sticklers for ajob. Why once you started, you
don't stop it till you're finished withhim, and that means all the tools
put up too. So I'm stillteaching my youngest son that one. He
likes to work on his cars andthings, but the tools are left out,
So get it out, you putit up. You got to clean
them and put them up. Well, those are all great memories and lessons
learned, both on Travis and Davidboth your part, and if you're listening

(06:02):
today, I'm sure you're reminiscing on, you know, thoughts and memories of
your favorite Father's Day moments, ormaybe it's your first Father's Day. Happy
Father's Day to you. And wecaught up with Patrick Kelly. He is
a famous retirement author of the bookUS Dressed for Your Retirement, and we
asked him if he had learned anythingfrom his father. You know, when
I think of my dad and financiallessons, I think I learned most from

(06:27):
watching his mistakes because he was nota financial guy. But one of the
things I learned from him by observationwas it seemed like about every few years,
a family member or a friend,you know, distant family had some
kind of a sweet sure thing forhim. Hey, this is the great
thing. This has worked. Andevery one of them failed because something that
seemed that good probably and likely isn't. You know that the last key sentence,

(06:53):
You know, something that seems thatgood probably and likely isn't. And
I know that. You know,as you guys sit down, you get
to know, you know, newindividuals that come in the office, and
our radio listeners that call in sometimesthey say that exact same thing. They
say, David Travis. I've beenlistening to you and all this sounds great
that you're talking about income for lifeand you know, replacing that paycheck.
But I gotta be honest, itsounds too good to be true. What

(07:14):
do you say to them? Youknow that that's true. We do hear
that a good bit. In fact, we did a we did a workshop
the other day, I guess thispast week, and we had one of
the radio listeners in there and theywere asking some questions and um, we've
gotten to talking about how we managerisk and how that's our number one thing.
I mean, we start almost everyworkshop off about how to manage risks.
If you don't manage the risk andthen you're just gonna you know,
you're losing your pile of money youbuilt up and now you got to replace

(07:36):
it. And it's just that's that'sa lot of stress, anxiety and wasted
time and money. But he said, you know, Travis, I don't
understand it. Why is it Ifthat's what y'all do and it works,
why don't other people do that?And how to give them the answer?
You know what it was? Ihave no idea. I have no idea.

(07:57):
I'll say, it doesn't make anysense to me. Tell them all
the time. It's about income,income incomes, about income in income.
And look, I'll tell you flatout. If you're in the business,
you're in a business to make money. So if I'm charging you fees based
on the amount of money that we'remanaging, is it in my interest to
watch that account get cut in half? You would think not right, because
your fee goes down too, SoI don't so yeah, exactly. So

(08:20):
I had to be awesome with youknow, like I would lie to the
guy. But really, I don'tknow. And if you're out there listening,
you know, why, give mea call. Tell me why.
I don't understand why more advisors aremore people they're getting paid to manage people's
money. Just let the money erode. In markets like it doesn't make any

(08:41):
sense. I mean from a viabilitystandpoint of putting food on your own family's
table. If you're paychecks shrinking,you should do something about that. So
it's a really great question. Peoplewill ask that all the time, like,
you know, how can this work? And really the best way that
I enjoy answering that is kind oflike the Kansas the Kansas state motto,
show me right, show me howthat works. And that's what our financial

(09:05):
lab process is designed to do.It's designed to show you how to protect
what you need to create, protectthe money you need to create income in
retirement, right, because it isall about income. If your cash flow
slows, well, so does yourlifestyle and retirement. Nobody wants to do
less in retirement. We always wantto do more, So your cash flowey
needs to keep pace with that.If your cash flow is up one day

(09:26):
and down the next, that createsa lot of anxiety and a lot of
doubt and uncertainty in your future.And so you're not going to enjoy retirement.
You're gonna be afraid to spend moneyin retirement if that's the case,
And I you know, what's thepoint of having the money If you don't
get to enjoy it some right,Yeah, so you want to protect what
you need for income. There's alot of different ways to do that.
When you do your financial lab wewill show you how that works, not

(09:46):
to show you one way, butwe'll show you multiple ways to do that.
And then you know you need togrow your money for the future.
But that doesn't mean like if I'mgoing from here to Orange Beach right for
a little beach vacation, and Iknow if I drive, I have sixty
miles an hour, I'll get therein four and a half hours. And
I come out that mobile you know, Bay Tunnel, and all of a
sudden, everybody's locking up their brakesthat I just leave the cruise control in

(10:09):
sixty miles an hour because I knowI'll get there in the right time I'm
supposed to. I'm not gonna getthere at off. I don't change what
I'm doing. I'm gonna what I'mgonna die in a car rack like that's
what's gonna happen. Just because you'rein a path to growth, are your
you know the purpose for your moneyis to grow the money doesn't mean that
you should just set it on cruisecontrol in sixty miles an hour straight ahead

(10:30):
and a dead traffic and hope toGod that you know the car is part
like the Red Sea and Moses andyou get through. Okay, No,
you take it off cruise control.You start applying pressure of the break.
You look in front of you,and you check your mirror behind you,
because the risk doesn't just happen inthe front. It also happens behind you
on the road. Same thing inlife, Same thing with managing money.
It's all about controlling risk. Whetheryou're crossing the street or trying to grow

(10:52):
your money for the future. Youneed to maintain proper risk management so you
can get to where you want tobe. Then just shoe. How about
your spouse, I mean, whathappens? You know, my dad taught
me a lesson and he's not hereanymore, and he still has checks coming
in. And these checks come inevery month, and they'll come in for
the next eleven and twelve years.So how did he provide this income?

(11:13):
Stream was actually going to go fora lifetime for mom and dad. But
after he passed, and Mom passedten days later, we're still getting these
checks in, just come in everymonth, a continuous income stream for the
next twelve years. And so that'swhat retirement planning is all about. If
you plan well, you live well. And just because you're taking out the

(11:35):
picture, you want to provide foryour loved ones like your spouse or maybe
your kids. We do that allday long. That's what we did.
Yeah, you're exactly right, David. That is exactly what you do each
and every single day you talk aboutplan well to live well. That's exactly
what you're going to see when youput together your very own customized financial lab
This is where all those questions aregoing to get answered. You're going to

(11:56):
fill in those blanks. You're goingto make sure that your retirement is adding
up to everything that you want itto be. It's going to be stress
free, by the way, Sowhen you come in for that financial lab
it again it's no cost, noobligation. We talked about Patrick Kelly earlier.
We're going to give you that stressfree retirement book. It's going to
be complimentary. Call right now twotwo five four six five one zero six

(12:18):
five two two five four to sixfive one zero six five coming up next.
How do you know if you're ontrack for retirement? Stick? What
us find out coming up in aminute. Ah, the roller coaster,
No matter your age, no matterthe amusement park, it never ceases to
bring the emotional goods, the anticipation, the excitement, and then the fear

(12:41):
and adrenaline rush that comes with theKing of all rides. The same can
be said when it comes to yourretirement. Lots of questions and concerns that
for some can feel like a rollercoaster. Will you be able to continue
to live as comfortably as you donow? Will you have complete financial independence?
Will you run out of money?All about taxes, social security or
healthcare? David and Travis Shephard andthe team at Shepherd Wealth Solutions can answer

(13:07):
these questions and more with their financiallab called two two five four six five
one zero six five. That's twotwo five, four six five ten sixty
five. Call Shepherd Wealth Solutions todayand let's save the fear and adrenaline rush
for the amusement park. Call todayand find out what David and Travis Shephard
cook up for your retirement with acustomized financial lab called two two five four

(13:33):
six five ten sixty five. Nowlet's get back to the show. We
hope you're enjoying your weekend. Wedo appreciate you joining us here for the
financial Lab with David and Travis Shepherd. My name is Jessica. The phone
number two two five four six fiveone zero six five. Again that's two
two five four six five one zerosix five. The website Shepherd wealth solutions

(13:54):
dot com. Think about this,how many times have you seen these headlines?
This first one here, if you'resixty, here's how much you should
have saved for retirements. Second oneis the average for old when K has
this much? How much do youhave? Well, they make us wonder
if we're really doing what we're supposedto do right. They're comparing us to

(14:15):
everybody else. So when clients bringthese type of headlines to you, when
they think, oh my gosh,am I on track? How do you
guys answer? You know, it'skind of true. I mean we hear
that a lot, wouldn't you say? Travis? Absolutely? You know they
want to know if they're on track, And what we try to do is
tell them listen. It's an individualthing, you know. It comes to
the ins and outs. You know, how much do you have going out
for versus how much can we bringin it's all about income planning and retirement

(14:37):
and have you saved enough? Well, you know, we're looking for gaps,
you know, can we fill allthe gaps? It's yeah, it's
it is individual and something just poppedin my head and I just wanted to
share with the Father's day and everythingis. I'm sure I'm not the only
one sitting here and fathers. They'rethinking back to when I did something really
stupid, right, And then mydad comes up and says, boy,

(14:58):
what where you do? What wereyou thinking? What are you thinking?
You know, and looking at himlike, I don't know. I thought
it was a great idea. Well, you know my friends are doing it,
dad, Right, I used tobe our way of trying to get
out of trouble. Well, everybody'sdoing it. Sure, Well if they
all jumped off the Missisippi River bridge, would you do that too? No
plans should be based on what othersdo. Every plan should be based on

(15:20):
what you need to do. Yourretirement doesn't go unless the cash flows,
So income is first. In orderto figure out your income, you need
to figure out how much do youwant to spend and what are you spending
it on? And are those thingsthat are going to be around forever,
you know, are they one timespends? Are they reoccurring spending? And
then you want to make a planto solve for those expenses? Yeah,

(15:41):
so what are your knowing? Weneed to talk about the expenses more than
me to talk about how much you'vesaved, right you les here a lot
of financial planners talking like that,but wouldn't need to get the outflow less
when we get to retirements so thatyour income coming INDs a lot more so
what you're talking about, Trouse,I'm sorry, it's just matching your income

(16:02):
to your outflow. I mean,that's the end of the day. Like
you know, one of my favoritejokes about because people always ask and say,
well, I have the budget,I have to stay on a budget
then for retirement, And I'm like, well, not really. I mean
the idea of a budgets you're limitingyour spending, right, So what we're
really talking about is what does ittake for you to live the lifestyle you
want to live. Let's figure outwhat that expense number is, and let's

(16:25):
go figure out what are your knownincome sources. You got so security,
great, you got a pension,great, you got rental income, great,
you got some business income. Great, and then those incomes get added
up. Does it match your lifestyleexpenses. If it does, you got
a green light for takeoff, You'reready to go. If it doesn't,
and it falls a little bit short, well that's what your savings are there

(16:48):
for. So you can create ayou can create an income plan to replace
your paychecks so you can make upthat difference. You know, I did
one of the funniest things. Ishare the story a lot, but looking
back, it is one of thefunniest things ever did. And I got
a chance to go to Spain manyyears, many years, four or five
years ago, I guess maybe sevenyears now. Anyways, point of the
story, I do enjoy some sportscars, right, I think most most

(17:11):
young guys are guys in general,enjoy a fast car. So um,
I kind of nerd out on someof them. But I will never forget.
We were in Spain with a bunchof a bunch of friends around all
the same age. We have beenupstairs having a couple of beers, getting
ready to go out to the beach, and when we're getting ready to go
out to walk along the beach andlong a little boardwalk they had out there
that evening there was a bright orangeBugatti, right super fast super sports car.

(17:36):
Yeah, I mean like this issupercar, like this thing probably call
us, I don't know, it'sa lot of my other expensive cars.
And I immediately came out I sawit. I went straight upstairs back to
the little little hotel bar area whereall my buddies were. Said, hey,
you gotta come outside. There's aBugatti sitting in front of the vallet,
like, we gotta go get yourdrinks in a go cup and let's

(17:57):
go right, you know, andsay here's yeah. Well the Spanish bargainers
like, what's a go cup?Like you got plastic? You know.
Anyway, So the lost story short, we all get down there and uh,
we're getting out the door. Youcan hear the valley fires up,
the bugattis go off. I'm like, oh my god, we're gonna get

(18:19):
to see who owns this Bugatti andtakes out of here. Sure enough,
there is a guy who is sittingjust down the corner of the bar from
us. It was his Bugatti,and we've been talking to him the whole
whole afternoon. I could not stopmyself from asking this question, Hey man,
why on earth spend that kind ofmoney on a card? How do

(18:41):
you do that? Yeah? Youknow, because that's me Internally, I'm
like, ah, doing the numbers. And then I was like, as
soon as I said it, Iknew exactly what he was gonna say,
because I can't. Right, Ican afford it. I've done what he
needed to do in order to affordowning this vehicle. And look, you're
out there, you're saving money forretirement. You've probably done everything you need

(19:04):
to do, or you're close toit, and that's why you're thinking about
retiring, and you should be ableto afford yourself the kind of lifestyle you
want to do. The question iswhat tools you have at your disposal,
how much have you saved, andcan we put those things together to provide
that kind of lifestyle you want todo. That's it. That's the financial
lab as a designed to do.It's designed to take account of what do

(19:25):
you want to do, how doyou want to spend your money, how
much money have you saved, whereis it, how's it taxed, what
kind of you know, risk andreward situation do you have? And then
how do we match your income toyour expenses based on what incomes you already
have, what incomes can we provideand how long can we make this money
last? Yeah, that's the financialapt process. One of the most important

(19:45):
things we do is talk about income. Gives you the confidence to walk into
retirement. No one that you havepaychecks on that are going to continue to
be there for you. It's thegravity of retirement keeps it all together.
If you're out there and you're thinkingabout what kind of lifestyle you want to
have in retirement, you got someideas of what you want to spend in
retirement. You want to figure outif you can make that work now or
if you can make it work nextyear or two or three or four or

(20:07):
five years from now. Coming andhave a conversation with us. We'll walk
you through the financial WAB process andlet's let's see how your plan shakes out.
Maybe you got a green light andyou're ready to go. Maybe you
need to do a couple of thingshere there are implements a different way of
saving, or maybe you need tothink about adding a couple additional tools to
your toolbox so that you can reachthat retirement on time. But we won't

(20:29):
know, and you won't find outif We don't have a conversation. We
don't walk through that educational process ofthe financial lab. So if you're out
there you want to figure it outwhere you have a green light for retirement,
give us a call. I mayyou pick up the phone and make
a phone call. That's right,you pick up your phone, your cell
phone. You're probably scrolling on rightnow. Two two five, four to
six five one zero to six five. Go ahead and put the number in

(20:51):
there, save it, give ita call right now, Text yourself,
email yourself to make it happen aMonday morning, whichever way you go about
it, to know if you've gota green light or red light when it
comes to retirement. This financial labis going to give you those answers.
Two two five four to six fiveone zero six five the website, of
course, Shepherd Wealth Solutions dot com. The question we've all been asking ourselves
is where is this crazy stock market? Headed analyst Sam Stovall is starting to

(21:17):
see the light at the end ofthe tunnel. Well, believe it or
not, our economists are saying norecession, Yes, a possible slowdown in
the second and third quarters of thisyear. Now you know, our belief
is that the bear market bottom isin and that while we could end up
with volatility along the way, we'revery, very close to the beginning of

(21:37):
a new bullmarketed So I gotta behonest, I'm not as optimistic as he
is, especially because what we've beentalking about for weeks. Guys, I
mean, are you hearing this fromyour clients? Are they optimistic? Are
you more optimistic? Talk to me, well, I hope they're right.
I mean, I hope we don'tgo into recession. But you know,
you've got to be prepared for thisstuff. You know, you still see
any somewhat of inflation out there.The economy seems to us slowed down.

(22:00):
Maybe we're maybe we're behind from thespeed up. Maybe the recession is pausing
for a minute. Oh yeah,Paul, somebody hit the pause button now
quick. I mean, there's there'sa lot of things. I can definitely
tell you this. We did thosetwo workshops about getting retirement right, um,
this last week, and that isnot what people at the workshop were
asking about. In fact, thata couple of different people, Um,

(22:22):
I'm gonna paraphrase what they said,but they're like, hey, look,
I just really do not understand howthe stock market is up so much from
January till now, but the economyand inflation and interest rates and everything else
is basically going to kind of youknow, we're in a handbasket. It
just doesn't make any sense. Um. And one of them was pretty astute,

(22:44):
one of them. One of thempicked it out and he said,
look, you know, there's basicallyseven stocks that make up the minority of
the games. So that's like Googlealphabet right right, tech stocks. Really,
it just doesn't make any sense.It seems like the market right now
is disconnected from the reality of what'sgoing on with the economy. And more
in particular is how the how usas consumers are able to actually spend money.

(23:07):
I mean, I can tell youright now, I know most people
that I talk to you, they'renot spending as much as they as they
were. And the reason why theymight be spending as much, it's just
not going as far. And youwant to know how much of that kind
of risk is in your portfolio?Coming and see us do your financial lab
well X ray all the different componentsof your portfolio and show exactly what kind
of risk and we were relationship youhave and if you've got some work to

(23:29):
do to fix it. Let's doit. It's as easy as calling right
now again the phone number two twofive, four to six five one zero
six five two two five four tosix five one zero six five. You
can always get more details on thewebsite as well at Shepherd Wealth Solutions dot
com and guys, real quick,I want to highlight something that we've been
talking about for a while off theyear, but I think it's important we

(23:52):
talk about it on the air.Something close and near and dear to your
heart. An upcoming event coming upon Saturday, July eighth. It is
hauled. Uh. It's an eventfor our little girl named Grace who is
fighting lim foma. Right. So, um, I'm gonna let you guys
kind of take the floor with this. Tell me all about it. How
can our listeners be involved? Yeah? So, uh so we have this
event and it is coming up.Like you said, it's gonna be on
July eighth, that's the first Saturdayin July. It's gonna be from eleven

(24:15):
to two. We're gonna be outat Louisiana Dental Center on Juman Road.
Um. We're doing They're doing Aposteliaum plates. They have a TV raffle.
We're gonna have a snowball truck.Truck is coming out there well,
um and we're gonna be there fromLoven too. Just trying to raise some
money to help Grace fight fight limbfoma um and uh soon you know,

(24:36):
I mean at the end of theday, like one of the best lessons
we probably got from I know,from my dad and my grandfather. I'm
sure Dad can speak to this too, is uh. You know, it's
not enough to just be able totake care of you and your own if
you're if you're capable and able,you know, God kind of has you
here to take care of others too. So um So, if you're out
there and you can come help participate, you can buy a couple of tickets.
Let us know. You can buythem at the at the event on

(24:57):
July eighth. If you want toof us a call to the office,
we can get some tickets available foryou here. You can stop buying pick
them up. But you know,whatever you can do. I do know
we'll have our the vendemo. Ibelieve we're gonna be posting on our Facebook
page here pretty shortly. So ifyou can't get out there, you don't.
You can't get any tickets. Youcan act. You can scan the
app and and help Grace above viaVenemo on our Facebook page. So,

(25:21):
so y'all come see us out there. Let's have some let's help Grace out.
We're gonna be just passed the Jubancrossing, you know the dental Louisiana
Dental is where it's say parking lot. We'll have a food truck, snowballs,
coffee. We'll have a good time. We'll be out there, they'll
be out there. We look forwardto seeing good time, for good calls
for a good girl, seeing ourradio listeners help us out. And again
for tickets. More information about thisupcoming event against Saturday, July eighth.

(25:44):
This is an event to support Gracefight lim Foma. Give a call today
two two five four to six fiveone zero six five. The website Shepherd
Wealth Solutions dot com. So muchmore coming up on today's show Stick with
us. The conversation continues rank hereon the Financial lapp. What's a retirement
mean to you? We'd love tohear from you. Two two five,
four six five ten sixty five.Now let's get back to the show,

(26:07):
The Financial Lab with David and TravisShepherd. Welcome to the show. We
appreciate you joining us here for theywon the only the financial lab. My
name is Jessica, alongside mister Davidand Travis Shepherd of Shepherd Wealth Solutions.
Each and every single week, Iwant to make sure you get the phone
number right off the bat two twofive four six five one zero six five

(26:27):
two two five four to six fiveone zero six five the website as well
Shepherd Wealth Solutions dot Com on theshow today how to know if you're on
track for retirement? Plus are weseeing the light at the end of the
tunnel when it comes to the stockmarket. But first I want to wish
both David Travis happy Father's Day andall the father's out there listening, Happy

(26:48):
Father's Day weekend to you. Well, thank you very much. It's a
great Father's day. My little girls, we're awesome. They made me serial
and they painted me some paintings andthey cleaned up the mess after they were
done the paintings, So mom washappy that girls were excited. Um,
they got this new thing where theylike for me to pick them up and
throw them so they can touch theceiling in our house. Okay, and

(27:11):
mom hates it, but the girlsloving so, and she's not looking well
and she's not listening. Hopefully todayyou can put some hamper and on the
on the ceilings the way Dad playsgot it. Yeah, that's right,
that's right, that's right. Well, I want to know how many barbecue
pits I'll be going this weekend.Bet they sell a lot of chicken and
beef this weekend with you right now, let's the deal with that. And

(27:33):
chicken up on Mother's Day, wegot to bring them out to eat,
or we gotta cook for him.But on Father's Day, we gotta cook
for ourselves. Let's be honest.They make us cook and they get to
go out and celebrate. I'm gonnago ahead and say what all ladies are
thinking, so the phone lines don'tblow up, Ladies, I got you,
guys. We're taking care of everythingall year round. We want one

(27:53):
day or you take us stouts andyou you know, wine and dine us.
And let's face it, you gotI'd like to have a beer and
be on the grill. So we'renot taking anything away from you. You're
gonna be just fine. I guessthat's true. We're gonna be out there
and at nine degree heat. Iguess that's I mean, if you do
buy a guy a tool for hisbirthday or Christmas or for Follower's Day,
he's all excited about it. Butif you buy your wife a vacuum cleaner,
you're getting stopped in the back ofthe head. You're a dummy.

(28:15):
That's what exactly I was about tosay, Travis. Listen, if the
women start calling yelling at you,yeah, I haven't. I did my
best, and I've been smart enoughenough. It's okay if they buy as
a power tool because they want usto put their right furniture together, but
is trying to get us all introuble right now? I mean, that's
my job. I'm just stirring thatyou are. You have that big spoon
and you are twirling that thing inthere, because here's the deal, you

(28:37):
guys. You guys are like,oh, I want the new drill that
does this, or I want thissaw that does this. Listen, that's
you. We never go to youand say we want a vacuum so we
can do more housework. None ofthe I don't know one woman that's ever
said that. I gotta agree withthat, all right, all right here.
Yeah, I didn't get her Iremember this for her birthday or any

(29:00):
special occasion. But she was allpumped up when I brought home one of
those little automatic brooms. So Ithought you were in shark or whatever they
can because this one does the floors. Thought you were talking to tell the
story about Sorry. So when wewere you know, there's six boys,
right, so you can imagine theamount of clothing in a household that has
to get washed. Um. Mom'spretty smart though, So Mom kept dropping

(29:25):
hens to Dad about the washing ofthe clothes, and she's like, you
know, you know, David,I can get this done, and you're
more welcome, welcome, come helpme out. You know he might every
once in a while, right,but you're more than welcome help me out.
But you know what helped me outthe most. It takes twice as
long to dry the clothes as itdoes to wash them. So if we
had two dryers and one washing machine, we could knock this out this pretty

(29:48):
quick. Yeah. So a couplemonths later, all of a sudden,
there's next year dryer that shows up, electrician shows up, another plugs in
there, and we got another drug. I'm not mad. I mean that
was that's a lot of plays.That's a lot of stuff in this Yeah,
baseball season. Could you imagine thatwe should throw the socks in a
big old hamper? But yeah,you'd have to dig through there every morning,
find your match. Sometimes you're weara mythmatch. Thanks. I can

(30:11):
say this right now, thank Godfor whenever those low cut socks came in.
You can wear them because nobody knewthey matched or not. You just
throw one, can't even see himbeneath your shoes. Tons of time,
that's right, tons of time.Well, you guys got a lot of
stories here about old Mama, butwhat about old Pops? Travis, you
gotta have a good father's Day storyfor me, a good father's Day story
or something maybe that Pops taught you. Let's just pretend he's not here,

(30:32):
so don't listen, David. What'ssomething that has a good one is Dad
would tell me a lot of stuffabout like like money. You know,
we talk about give him money apurpose, right, and so he would
teach us some things about that.But he would say that time is kind
of like money without a purpose.It's it's it's not spent. Well,
so you know, I always tryto give yourself a little purpose to what
you're gonna do so you get themost out of it. That was that

(30:52):
was a good one and a lotof that I think, you know,
whether you told me or not,it's just from observing how he's able to
do that with with six boys runningaround and being able to be at the
games and the events and still teachingyou stuff and being around the house.
So that was definitely a big,big lesson. And that another lesson was
you know, it doesn't count ifyou don't show up. So that's yeah,
that's a lesson number one for thepeople in your life. Absolutely.

(31:15):
What about what about you, David? Does your dad teach anything or do
you have any you know, greatfather's day wisdom to be still on?
We lost we lost dad a fewyears back. But yeah, man,
he had tons of stuff he taughtme. He used to teach me how
to make sure you you're a hardworker. You know, stay at a
job, don't quit you know you'regonna get it done. Stay, don't
play play, don't be a playplayhe's called players. I used to make
those real sticklers for a job.Why once you started, you don't stop

(31:38):
it till you're finished women, andthat means all the tools put up too.
So I'm still teaching my youngest sonthat one. He likes to work
on his cars and things, butthe tools are left out, So get
it out, you put it up. You got to clean them and put
them up. Well, those areall great memories and lessons learned, both
on Travis and David. Both yourpart, and if you're listening today,
I'm sure you're reminiscing on, youknow, thoughts and memory of your favorite

(32:00):
Father's Day moments, or maybe it'syour first Father's Day. Happy Father's Day
to you. And we caught upwith Patrick Kelly. He is a famous
retirement author of the book US StressedFree Retirement, and we asked him if
he had learned anything from his father. You know, when I think of
my dad and financial lessons, Ithink I learned most from watching his mistakes

(32:21):
because he was not a financial guy. But one of the things I learned
from him by observation was it seemedlike about every few years, a family
member or a friend, you know, distant family had some kind of a
sweet sure thing for him. Hey, this is the great thing. This
has worked. And every one ofthem failed because something that seems that good
probably and likely isn't. You knowthat the last key sentence, You know,

(32:45):
something that seems that good probably andlikely isn't. And I know that.
You know, as you guys sitdown, you get to know.
You know, new individuals that comein the office, and our radio listeners
that call in sometimes they say thatexact same thing. They say, David
Travis. I've been listening to youand all the sounds great that you're talking
about income for life and you know, replacing that paycheck. But I gotta
be honest, it sounds too goodto be true. What do you say

(33:06):
to them? You know that that'strue. We do hear that a good
bit. In fact, we did. We did a workshop the other day,
I guess is this past week,and we had one of the radio
listeners in there and they were askingsome questions and um, we've gotta talking
about how we manage risk and howthat's our number one thing. I mean,
we start almost every workshop off abouthow to manage risks. If you
don't manage the risk and then you'rejust gonna you know, you're losing your
pile of money you built up,and now you got to replace it,

(33:29):
and it's just that's that's a lotof stress, anxiety and waste of time
and money. But he said,you know, Travis, I don't understand
it. Why is it If that'swhat you'll do and it works, why
don't other people do that? Andhow to give them the answer? You
know what it was? I haveno idea. I did time. I
have no idea. I'll say,it doesn't make any sense to me.

(33:50):
We tell them all the time.It's about income, income incomes, about
income in income. And look,I'll tell you flat out. If you're
in the business, you're in abusiness to make money. So if I'm
charging your fees based on the amountof any that we're managing, is it
in my interest to watch that accountget cut in half? You would think
not right, because your fee goesdown too, So I don't so,
yeah, exactly. So I hadto be awesome, you know, like

(34:12):
I would lie to the guy.But really, I don't know. And
if you're out there listening, youknow, why, give me a call.
Tell me why. I don't understandwhy more advisors are more people they're
getting paid to manage people's money.Just let the money erode. In markets
like it doesn't make any sense.I mean from a viability standpoint of putting

(34:34):
food on your own family's table.If you're paycheck shrinking, you should do
something about that. So it's areally great question. People ask that all
the time, like, you know, how can this work? And really
the best way that I enjoy answeringthat is kind of like the Kansas the
Kansas state motto, show me right, show me how that works. And
that's what our financial lab process isdesigned to do. It's designed to show

(34:57):
you how to protect what you needto create, protect the money you need
to create income in retirement, right, because it is all about income.
If your cash flow slows, well, so does your lifestyle and retirement.
Nobody wants to do less in retirement. We always want to do more,
So your cash flow needs to keeppace with that. If your cash flow
is up one day and down thenext, that creates a lot of anxiety
and a lot of doubt and uncertaintyin your future. And so you're not

(35:20):
going to enjoy retirement. You're gonnabe afraid to spend money in retirement if
that's the case. And I know, what's the point of having the money
if you don't get to enjoy itsome right. Yeah, so you want
to protect what you need for income. There's a lot of different ways to
do that when you do your financiallab but we'll show you how that works,
not to show you one way,but we'll show you multiple ways to
do that. And then you knowyou need to grow your money for the
future. But that doesn't mean likeif I'm going from here to Orange Beach

(35:45):
right for a little beach vacation,and I know if I drive sixty miles
an hour, I'll get there infour and a half hours. And I
come out that mobile you know,Bay Tunnel, and all of a sudden,
everybody's locking up their brakes that Ijust leave the cruise control in sixty
miles an hour because I know I'llget there in the right time I'm supposed
to you, I'm not gonna getthere at off. I don't change what
I'm doing. I'm gonna what I'mgonna die in a car rck, Like

(36:06):
that's what's gonna happen. Just becauseyou're in a path to growth, are
your you know the purpose for yourmoney is to grow the money doesn't mean
that you should just set it oncruise control in sixty miles an hour straight
ahead and a dead traffic and hopeto God that you know the car is
part like the Red Sea and Mosesand you get through. Okay, No,
you take it off cruise control,you start applying pressure of the break.

(36:28):
You look in front of you,and you check your mirror behind you,
because the risk doesn't just happen inthe front. It also happens behind
you on the road. Same thingin life, Same thing with managing money.
It's all about controlling risk. Whetheryou're crossing the street or trying to
grow your money for the future.You need to maintain proper risk management so
you can get to where you wantto be there, not just sho How
about your spouse, I mean,what happens? You know, my dad

(36:50):
taught me a lesson and he's nothearing the more and he still has checks
coming in. And these checks comein every month, and that will come
in for the next eleven twelve years. So how did he provide this income
stream was actually going to go fora lifetime for mom and dad. But
after he passed, and Mom passedten days later, we're still getting these
checks in just come in every month. A continuous income stream for the next

(37:14):
twelve years. And so that's whatretirement planning is all about. If you
plan well, you live well.And just because you're taking out the picture,
you want to provide for your lovedones like your spouse or maybe your
kids. We do that all daylong. That's what we did. Yeah,
you're exactly right, David. Thatis exactly what you do each and
every single day you talk about planwell to live well. That's exactly what

(37:36):
you're going to see when you puttogether your very own customized financial lab This
is where all those questions are goingto get answered. You're going to fill
in those blanks. You're going tomake sure that your retirement is adding up
to everything that you want it tobe. It's going to be stress free,
by the way, So when youcome in for that financial lab it
again it's no cost, no obligation. We talked about Patrick Kelly earlier.
We're going to give you that stressfree retirement book. It's going to be

(37:59):
complimentary. Call right now two twofive, four six five one zero six
five two two five four to sixfive one zero six five coming up next.
How do you know if you're ontrack for retirements? Dick? What
those find out coming up in aminute. Imagine trying to play a game
that has hundreds of rules. Nowimagine that there are multiple possible combinations for

(38:22):
all of those rules. Sounds complicated, right, Well, that's similar to
what you'll face when it comes timeto file for your Social Security benefits,
and one mistake could literally cost youtens of thousands of dollars over the course
of your retirement. That's money you'llnever see unless you make the right decisions
on when and how to claim yourbenefits. David and Travis, the father's
son duo of Shepherd well Solutions,are here to help. They study the

(38:45):
Social Security rules and can help youdecide what kind of filing strategy works best
for you. Then you'll take homea customized Social Security report to help maximize
your monthly benefits. Call two twofive four six five one zero six five
today. That's two two five foursix five one zero six five or visit
Shepherd Wealth Solutions dot com. GettingUncle Sam and Wall Street out of your

(39:07):
pocket, Let's get back to thefinancial lab with David and Travis Shepherd.
We hope you're enjoying your weekend.We do appreciate you joining us here for
the financial lab with David and TravisShepherd. My name is Jessica. The
phone number two two five four sixfive one zero six five. Again that's
two two five four six five onezero six five. The website Shepherd wealth

(39:28):
solutions dot com. Think about this, how many times have you seen these
headlines? This first one here,if you're sixty, here's how much you
should have saved for retirements. Secondone is the average four old one k
has this much? How much doyou have? Well, they make us
wonder if we're really doing what we'resupposed to do right. They're comparing us
to everybody else. So when clientsbring these type of headlines to you and

(39:52):
they think, oh my gosh,am I on track? How do you
guys answer? You know, it'skind of true. I mean we hear
that a lot, wouldn't you say? Travis? Absolutely? You know they
want to know if they're on track. When what we try to do is
tell them listen, it's an individualthing, you know. It comes to
the ins and outs. You know, how much do you have going out?
For us? Is how much canwe bring in? It's all about
income planning and retirement and have yousaved enough. Well, you know we're

(40:14):
looking for gaps, you know,can we fill all the gaps? It's
yeah, it's it is individual andsomething just popped in my head and I
I just wanted to share with thefather's day and everything is. I'm sure
I'm not the only one sitting hereon fallows. They're thinking back to when
I did something really stupid, right, and then my dad comes up and
says, boy, what where areyou doing? What were you thinking?
What are you thinking? You know, and looking at him like, I

(40:36):
don't know. I thought it wasa great idea. Well, you know
my friends are doing a dad,right. I used to be our way
of trying to get out of trouble. Well, everybody's doing it. Sure,
well, if they all jumped offthe Missisippi River bridge, what did
you do that too? No plansshould be based on what others do.
Every plan should be based on whatyou need to do. Your retirement doesn't
go unless the cash flows, soincome is first. In order to figure

(41:00):
out your income, you need tofigure out how much do you want to
spend and what are you spending iton? And are those things that are
going to be around forever? Youknow? Are they one time spends.
Are they reoccurring spending and then youwant to make a plan to solve for
those expenses. Yeah, so whatare your income? We need to talk
about the expenses more than me totalk about how much you saved. Right,

(41:20):
Let's hear a lot of financial plannerstalking like that. But we need
to get the outflow less when weget to retirements, so that your income
coming ends a lot more. Sothat's kind of what you're talking about trouts.
I'm sorry, it's just matching yourincome to your outflow. I mean,
that's the end of the day.Like you know, one of my
favorite jokes about because people always askand say, well, I have to
budget, I have to stay ona budget then for retirement, and I'm

(41:42):
like, well, not really.I mean the idea of budgets, you're
limiting your spending. Right, Sowhat we're really talking about is what does
it take for you to live thelifestyle you want to live. Let's figure
out what that expense number is,and let's go figure out what are your
known income sources. You got somesecurity, great, you got a pension
great, you got rental income great, you got some business income great,

(42:05):
and then those incomes get added up. Does it match your lifestyle expenses.
If it does, you've got agreen light for takeoff. You're ready to
go. If it doesn't and itfalls a little bit short, well that's
what your savings are there for.So you can create a you can create
an income plan to replace your paychecksso you can make up that difference.
You know, I did one ofthe funniest things. I share the story

(42:27):
a lot, but looking back atsome of the funniest things ever did.
And I got a chance to goto Spain many years, many years,
four or five years ago, Iguess maybe seven years you now. Anyways,
point of the story. I doenjoy some sports cars, right,
I think most most young guys areguys in general, enjoy a fast car.
So m I kind of nerd outon some of them. But I
will never forget. We were inSpain with a bunch of a bunch of

(42:50):
friends around all the same age.We have been upstairs having a couple of
beers, getting ready to go outto the beach, and when we're getting
ready to go out to walk alongthe beach and long a little board walk
you had out there that evening therewas a bright orange Bugatti right, super
fast super sports car. Yeah,I mean like this is a supercar like
this thing probably calls I don't know, it's a lot of my other expensive
cars. And um, I immediatelycame out I saw it. I went

(43:15):
straight upstairs back to the little littlehotel bar area where all my buddies were
said, hey, you gotta comeoutside. There's a Bugatti sitting in front
of the vallet, Like, wegotta go get your drinks in a go
cup and let's go right, youknow, And so here's a lot.
Yeah, well the Spanish bargain.He's like, what's a go cup?
Like you got plastic? You know. Anyway, So the lot story short,

(43:37):
we all get down there and umwe're getting out the door. You
can hear the valley fires up,the bugattis go off. I'm like,
oh my god, we're gonna getto see who owns this Bugatti and takes
out of here. Sure enough,there is a guy who was sitting just
down the corner of the bar fromus. It was his Bugatti, and

(43:58):
we've been talking to him the wholewhole afternoon. I could not stop myself
from asking this question, Hey man, why on earth spend that kind of
money on a card apiate? Howdo you do that? Yeah? You
know, because that's me internally,I'm like, ah, in doing the
numbers, and then I was like, as soon as I said it,
I knew exactly what he was goingto say because I can't. Right,

(44:21):
I can afford it. I've donewhat he needed to do in order to
afford owning this vehicle. And look, you're out there, you're saving money
for retirement. You've probably done everythingyou need to do or you're close to
it, and that's why you're thinkingabout retiring, and you should be able
to afford yourself the kind of lifestyleyou want to do. The question is
what tools you have at your disposal, how much have you saved, and

(44:42):
can we put those things together toprovide that kind of lifestyle you want to
do. That's it. That's thefinancial lab as a designed to do.
It's designed to take account of whatdo you want to do, how do
you want to spend your money,how much money have you saved, where
is it, how's it taxed,what kind of you know, risk and
ward situation do you have? Andthen how do we match your income to
your expenses based on what incomes youalready have, what incomes can we provide

(45:07):
and how long can we make thismoney last? Yeah, that's the financial
ad process. One of the mostimportant things we do is talk about income.
Gives you the confidence to walk intoretirement knowing that you have paychecks on
that are going to continue to bethere for you. It's the gravity of
retirement keeps it all together. Ifyou're either you're thinking about what kind of
lifestyle you want to have in retirement. You know, you got some ideas
of what you want to spend inretirement. You want to figure out if

(45:29):
you can make that work now orif you can make it work next year
or two or three or four orfive years from now. Coming and have
a conversation with us. We'll walkyou through the financial add process and let's
see how your plan shakes out.Maybe you got a green light and you're
ready to go. Maybe you needto do a couple of things here,
there are implements a different way ofsaving, or maybe you need to think
about adding a couple additional tools toyour toolbox so that you can reach that

(45:52):
retirement on time. But we won'tknow and you won't find out if we
don't have a conversation. We don'twalk through that educational process the financial lab.
So if you're out there, doyou want to figure it out where
you have a green light for retirement? Give us a call. I mean,
as you pick up the phone andmicrophone call. That's right, you
pick up your phone, your cellphone. You're probably scrolling on right now.

(46:12):
Two two five, four to sixfive one zero to sixty five.
Go ahead and put the number inthere, save it, give it a
call right now, Text yourself,email yourself to make it happen on Monday
morning, whichever way you go aboutit, to know if you get a
green light or red light when itcomes to retirement. This financial lab is
going to give you those answers.Two two five, four to six five
one zero six five The website,of course, Shepherd Wealth Solutions dot com.

(46:34):
The question we've all been asking ourselvesis where is this crazy stock market?
Headed analyst Sam Stovall is starting tosee the light at the end of
the tunnel. Well, believe itor not, our economists are saying no
recession, Yes, a possible slowdownin the second and third quarters of this
year. Now, you know,our belief is that the bear market bottom
is in and that while we couldend up with volatility along the way,

(46:59):
we're very very to the beginning ofa new bull market. So I gotta
be honest, I'm not as optimisticas he is, especially because what we've
been talking about for weeks. Guys, I mean, are you hearing this
from your clients? Are they optimistic? Are you more optimistic? Talk to
me, Well, I hope they'reright. I mean, I hope we
don't go into recession. But youknow, you've got to be prepared for
this stuff. You know, youstill see any somewhat of inflation out there.

(47:21):
The economy seems to have slowed down. Maybe we're maybe we're behind string
to speed up. Maybe the recessionis pausing for a minute. Oh yeah,
Paul, somebody hit the pauls aboutnow quick. I mean, there's
there's a lot of things. Ican definitely tell you this. We did
those two workshops about getting retirement rightum this last week, and that is
not what people at the workshop we'reasking about. In fact, that a

(47:42):
couple of different people I'm gonna paraphrasewhat they said, but they're like,
hey, look, I just reallydo not understand how the stock market is
up so much from January till now. But the economy and inflation and interest
rates and everything else is basically goingto kind of you know, we're in
a handbasket. It just doesn't makeany sense. And one of them was

(48:06):
pretty astute, one of them.One of them picked it out and he
said, look, you know,there's basically seven stocks that make up the
minority of the gains. So that'slike you google alphabet R right tech stocks.
Really, it just doesn't make anysense. It seems like the market
right now is disconnected from the realityof what's going on with the economy.
And more in particular is how howhow use as consumers are able to actually

(48:28):
spend money. I mean, Ican tell you right now, I know
most people that I talk to you, they're not spending as much as they
as they were. And the reasonwhy they might be spending as much,
it's just not going as far.And you want to know how much of
that kind of risk is in yourportfolio? Coming and see us do your
financial lab will X ray all thedifferent components of your portfolio and show exactly
what kind of risk and we wererelationship you have and if you've got some

(48:50):
work to do, to fix it. Let's do it. It's as easy
as calling right now again the phonenumber two two five four to six five
one zero six five two two fivefour six five one zero six five.
You can always get more details onthe website as well at Shepherd Wealth Solutions
dot com and guys, real quick, I want to highlight something that we've
been talking about for a while offthe year, but I think it's important

(49:12):
we talk about it on the air. Something close and near and dear to
your heart. An upcoming event comingup on Saturday, July eighth. It
is called It's an event for ourlittle girl named Grace who is fighting lyn
foma. Right, so, um, I'm gonna let you guys kind of
take the floor with this. Tellme all about it. How can our
listeners be involved? Yeah, So, so we have this event and it's
coming up. Like he said,it's gonna be on July eighth, that's
the first Saturday in July. It'sgonna be from eleven to two. We're

(49:36):
gonna be out at Louisiana Dental Centeron Juban Road. Um. We're doing
they're doing Apostelia um plates. Theyhave a TV raffle. We're gonna have
a coffee truck is coming out therewell, um and we're gonna be there
from eleven two, just trying toraise some money to help Grace fight fight
limb foma um and uh seeing youknow, I mean at the end of
the day, like one of thebest lessons we probably got from I know,

(49:58):
from my dad and my grand I'msure Dad can speak to this too,
is Uh. You know, it'snot enough to just be able to
take care of you and your ownif you're if you're capable and able,
you know, God kind of hasyou here to take care of others too.
So um So, if you're outthere and you can come help participate,
you can buy a couple of tickets. Let us know. You can
buy them at the at the eventon July eighth. If you want to
give us a call to the office, we can get some tickets available for

(50:21):
you here. You can stop buyingpick them up. Um. But you
know, whatever you can do.I do know we'll have our the vendemo.
I believe we're gonna be posting onour Facebook page here pretty shortly.
Um. So if you can't getout there, you don't you can't get
any tickets. You can act soyou can scan the app and uh and
help Grace too via venemo on ourFacebook page. So, so y'all come
see us out there. Let's havesome let's help Grace out. We're gonna

(50:42):
be just passed the Juban crossing,you know the dental Louisiana Dental is where
it's big parking lot. We'll havea food truck, snowballs, coffee.
We'll have a good time. We'llbe out there, they'll be out there.
We look forward to seeing good time, for good calls for a good
girl, seeing our radio listeners helpus out, and again for tickets.
More information about this upcoming event againstSaturday, July eighth. This is an
event to support Grace fight lymphoma.Give a call today two to five,

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four to six five one zero sixfive the website Shepherd Wealth Solutions dot com.
Would you appreciate you joining us herethis Father's Day weekend. Enjoy the
rest of your weekend and we'll talkto you soon. Thanks for listening.
Remember plan well, Live well.Travis Shepherd is an investment advisor representative of
Retirement Wealth Advisors, Incorporated, anSEC registered investment advisor. Shepherd Wealth Solutions,

(51:27):
Retirement Wealth Advisors and w JBO arenot affiliated. Exposure to ideas and
financial vehicles discuss should not be consideredfinancial advice or recommendation to buy or sell
any financial vehicle. This information shouldnot be considered tax or legal advice.
Individuals should consult with a professional specializingin the fields of tax, legal accounting,
or investments regarding the applicability of thisinformation for their situation. Past performances
not to guarantee of future results.Any comments regarding safe and secure products and

(51:47):
guaranteed income streams or refer only tofixed insurance products. They do not refer
in any way to securities or investmentadvisory products. Fixed insurance and a nuity
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offered by our wa