June 3, 2025 • 12 mins
What does Warren Buffett’s investment wisdom have to do with your retirement? Jon Hicks dives into his core principles—stick to a plan, avoid emotional decisions, and don’t lose what you can’t afford to lose—and reimagines them for today’s retirees. From “bucket strategies” that ensure financial stability to balancing traditional investment approaches with emerging opportunities like AI and crypto, this discussion unpacks how to live the retirement life you’ve envisioned while navigating modern complexities. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
This is the Retirement Solution Podcast with financial advisor John Hicks,
founder of Jayhagen Capital.
Speaker 2 (00:07):
John, all we do is talk about retirement in these
conversations that you and I have together.
Speaker 3 (00:12):
It's boring, isn't it. No, it's not no, it's actually
actually I was thinking just the other day, I want
to retire one day. Nope, tomorrow, to push in the
no button denied. Yeah, I know, but you know it's
the first time that I thought, you know, one day,
I want to live the life. I keep talking to
all the clients about that. I was like, man, I
(00:33):
could do I could do an African safari. I could
do a Mediterranean river cruise for thirty days. I could
rent a whole lake house and let all my family
come at various times when they could come see me.
We can take out the bass boat, we take out
the pontoon boat. I'm like, man who doesn't want to
live that life? Ooh, I could snowbird. I could go
to the places where it's warm when it's cold here,
(00:54):
and I could go to some place cold when it's
warm there. I could do anything within real that I wanted,
And he doesn't want to do that.
Speaker 2 (01:03):
And also you're like man, I sure do have a
lot of good ideas for everybody else.
Speaker 3 (01:07):
For everybody else, I got great ideas for everybody else.
For me, Nope, not so good. I'm gonna get up
at six and start retirement, start doing what I do again.
Speaker 2 (01:15):
Well, when it comes to the space that you exist in,
there are obviously others that have come before you, and
you all do you deserve your day when it finally comes.
And even Warren Buffett is saying I've had enough. I'm
going to retire ninety five years old.
Speaker 3 (01:34):
He's put in his time. He had ninety five. Yes,
ninety five years old. Warren Buffett is going to be
ninety five years old. It's a fake retirement. He doesn't
look at day over ninety two. I mean he looks great.
Speaker 2 (01:45):
He's not even fully retiring.
Speaker 3 (01:47):
He still eats McDonald's and Coca Cola every day. I
mean take that. You know, all of those physicians out
there is just like man, what do you say you can't?
You can't. Guy's got good genes.
Speaker 2 (01:56):
Keep it simple. He is retiring at the end of
this year. He will be ninety five years old. The
Oracle of Omaha himself has stood by some very basic,
if you will, investment rules, and these are the three.
These are three main points he is always touting and
(02:17):
laying his laurels upon. One, researcher stocks, know what you
are buying and hold them. Two, do not let emotions
or politics guide your investment decisions. And three, above all,
do not lose money now. And I understand that overall
goal of not losing money. Of course, when it comes
to our market investments, we know that there are ups
(02:39):
and downs involved in that, John, But sure does this
investment style still hold up today?
Speaker 3 (02:45):
Absolutely? You know. So, I've done a lot of research about,
you know, warm uppets strategy, and most people aren't maybe
aware that he studied under Benjamin and Graham, who wrote
The Intelligent Investor. I mean it felt like it was
the turn of the century. Wasn't quite that long ago,
but he was also professor at Columbia, you know, so
pretty smart guys from the very beginning. But one of
the things that they, you know, Warren Buffett is what
(03:06):
they call a value investor. And value investing has not
been nearly as good is growth investing recently. But this
is what I'm saying. I've done a lot of research
on this recently. Okay, what he's really saying is when
he's saying, hey, select good companies and hold them for
the long run. Here's what he's saying. Has nothing to
do with individual stocks. It doesn't do with hey make
a plan and stick to it. That's really what he's
(03:27):
talking about, because if you look at the way he
wants his money managed when he's gone for his wife,
they want to own exchange traded funds, which is the
whole basket, like the standard and poor five hundred and
just hold it. So when you think about it, what
he's saying is, hey, have a plan, like invest in
good quality American companies and stick with it, hold it
for the long run. Right. So that's the biggest thing
(03:49):
because a lot of people get very precise and fixated.
We talked a minute ago about people getting fixated on things. Basically,
just get a plan and stick with it because it'll
probably work in the long run. It's when you jump
on and off plans that stink. But I think what
you asked was, you know, do those things that he
talked about still hold up. Yeah, I mean, make a
plan and stick with it, don't let emotions get involved,
(04:10):
and don't lose too much money. Right, if you think
about it, those are timeless. I mean, whether he said them,
I bet they were said eight hundred years ago by
someone else in a different country, in a different language.
I'm sure the Greeks said something about that too, because
they are just timeless thoughts. Eight hundred years from now,
whenever we're speaking kling On or whatever we're going to
be speaking, I have no idea. But whenever we're doing
(04:31):
all that, my guess is those will still be good. Hey,
have a plan, stick to that blasted plan, don't let
your emotions screw everything up, and don't lose too much money.
I mean, that's almost like you could almost use those
rules for anything dating, you know, I'm thinking about my
fifteen yarn driver. It's kind of like, make a plan,
stick to it, don't date a boso, I mean with
what that basically means, Yeah, get your emotions out of it.
(04:51):
I mean, you need some emotions, but don't get too emotional.
Don't get too emotional, and don't lose too much money. Basically,
don't let him rip you off, don't pay go dot
dun you. But I mean, but I think those are
all pretty good. So if you really think about it,
they weather the test of time. Okay, Now, what I
would say is there's a lot of actionable things that
you can do based on all other things that Buffett
(05:11):
did as well. When we talk about not losing money,
I want to kind of focus on this one for
a second. Okay, A lot of people have used that
incorrectly by trying to push products, and I don't think
that that's the right way to utilize that phrase. Don't
lose money basically, don't lose money you can't afford to lose. Right.
This is a perfect segue and why we in our
(05:31):
office talk about bucketing. Right, So most of us, if
we think about it, we should have if we're getting
close to retirement, like between three and five years to retire,
or we're already retired, we should be thinking about our
money in the form of buckets. The first bucket is
money that we're going to need to use that year,
so that what's going to be included that Well, we
got social Security check coming in, that's going to be
(05:53):
in that bucket. We get some airbnb income, some rental
income that goes in that bucket. And if we get
some dividends and stuff that pay in because we're going
to need to spend that money that goes in that bucket.
We're gonna use that every year. That's what we're gonna
live off of. Okay bucket number one, Okay, bucket number two.
What I call the middle bucket, This is bucket that
we need to produce that income that we're gonna spend
next year. Right, we needed to produce that money. So
(06:15):
maybe this is that that rental property this producing that income, right,
Or maybe this is this is those good quality equities
that produce dividends, or these are bonds that pay a payment,
or these are CDs that we can rely on to
pay that income. That middle bucket is the money that
we know we need to generate that income that we
want to spend. Most people I have found do not
(06:37):
bucket mentally for that middle bucket. They don't have it.
What they do is they they just put all their
portfolio together. They say, I'm gonna spend about four percent
a year. I'm just gonna take all I'm just gonna
pick at that bucket. I'm gonna sell stuff if a
need to just pick at that bucket, and I'm gonna
spend whatever I pick at okay, guys, that's unfortunately, it's
what most of us do. It's just I don't know.
(06:57):
Maybe it's the mentality, maybe it's the human mind, how
we think about things. But it's not very efficient. Because
when warm Buffett's idea was is don't lose money that
you can't afford to lose. We cannot afford to lose
that middle bucket. Why because it's what we need to
produce our income so we can live in retirement. Now.
The third bucket, the last one, is what I see
most people have their money in, is what we call
the later bucket. This is like your four to one k.
(07:19):
You got, you know, a small cat, MidCap, large cat,
international bonds, cash, whatever, you got, all those things, and
it's what are we putting in that four to one
k for for later? We're building up that bucket and
it's growing and growing and growing and growing because one
day we're going to need it to produce an income
for us so we can live in retirement. But most
people they just put everything in that growth bucket, in
(07:41):
their mutual funds or whatever they own, and they just
pick at it. And guys, that's unfortunately where things mess up.
So one of the greatest things that Warren Buffett talked
about was don't lose money. He's talking about in my world,
what I say is he's talking about that middle bucket.
We need to be certain that thatout middle bucket we
can't lose. It's either insured against loss like FDIC, or
it's ensured by an insurance company, or it's fully protected,
(08:02):
or it's collateralized, or it's guaranteed, whatever those terms you
want to use. We want to make certain it can't
evaporate because of tariff talks or because of another technology
meltdown or whatever. The reasoning is right. So we're starting
to engage in a little bit more dialogue right now,
at least the administration is with China. Some of it's good,
some of it's not so good. And so when you
(08:24):
think about that, could that potentially cause an effect to
our economy. Maybe hopefully it won't be a bad effect,
but it could. And we need to make sure that
middle bucket can produce income no matter what happens with
China or Russia or any of these things. We have
no idea what the markets are going to do, but
we need to know that we can't afford to lose
money in the un middle bucket, and if we just
(08:45):
understand three buckets, Some we have to spend this year,
some we have to make sure we can't lose so
it can give us income later, and the other one
the last bucket, the later bucket is for growth. If
we just use those and this is a kind of
a buffet commentary, if we do it that way, we
will have a very successful retirement as long as our
math works out.
Speaker 2 (09:02):
Understanding how to bucket your savings and investments. It seems
it is a simple concept, but it's not necessarily easy
to figure out on your own. So if you want
to start this conversation with John and his team, we
encourage you to do so. Visit us at retirement solutionshow
dot com. We also have links posted in the show notes.
Thinking about all the points you were just making and
(09:24):
understanding how we don't want to lose money, but in
a world that we're living in, where we're living twenty
thirty forty years in retirement, we do have to have
some market investments. We've got to find a way to
grow the money through our retirement years. But still we've
got volatility, we've got new asset classes, creeping in like
crypto AI is going to continue to drive all kinds
(09:44):
of new things in the future. John, how can a
retireee balance traditional wisdom like what mister Buffett says, sure,
with modern opportunities.
Speaker 3 (09:54):
Yeah, so I think there's a difference between diversification and speculation. Okay,
So you know when it comes down to a lot
of like crypt does stuff and AI a lot of it,
it just isn't proven yet, So there's a difference. Don't say, hey,
here's about eighty crazy ideas out there. I'm just going
to throw a little bit of money at all of
them that may not be all that great. So again,
if we understand our buckets and we know that the
(10:15):
money that we can't afford to lose we won't lose.
We can take a little bit of risk, we can
choose to and again up to our risk tolerance. Right.
But I mean, I think that there are some really
great technology companies that can do some really awesome stuff
in the future. And if you look at what some
of these companies may be able to do, could they
easily double or triple or even ten times your money
over a period of time? I literally think they can.
(10:37):
Now do we want to put all of our money
in it, because we can't afford to lose all of
our money. But does it make sense to use portions
like three to five percent of our portfolio in something
like that over time? Yeah, it's wise. That's how he
did so well. You know, over time he invested in
quality companies that had the opportunity to grow a lot,
And that's exactly what we want to do. We just
(10:58):
want to make sure again when it comes to market
based investments, they go up and they go down, all
of them. Nothing only goes up, and very few things
only go down unless they go bankrupt. But most of
those things we can have in our portfolio. We just
have to be wise about which bucket we put it.
Speaker 2 (11:13):
In, understanding how to add layers of protection to that
money that you can't afford to lose, thinking about your
income streams while also embracing modern opportunities. I mean, now
more than ever, it's only going to continue to become
more and more complex for people that are in retirement
to understand how to move successfully through this next phase
of your financial life. But you don't have to do
(11:34):
it by yourself. John and his team Jay Haagen Capital,
they are here to help, so visit us at Retirement
solutionshow dot com or just click on the links we
got posted in the show notes.
Speaker 1 (11:44):
Thanks for listening to The Retirement Solution Podcast with John Hicks.
Begin the conversation about your savings plan with John and
the team at Jahagen Capital by visiting Retirement Solution radio
dot com. Be sure to listen to John's radio show,
The Retirement Solution Saturday days at eight am and Sundays
at nine am on NewsRadio eight forty whas.
Speaker 4 (12:06):
J Haigen Capital Incorporated is not licensed in all fifty states.
To find out if Jay Higgan Capital Incorporated is licensed
in your state, please call five zero two sixty nine
oh fifty six thirty five.
Speaker 3 (12:14):
J Higgen Capital, Incorporated is not affiliated with, nor endorsed by.
Speaker 4 (12:17):
The Social Security Administration or any other government agency, and
does not provide legal or tax advice. By contacting us,
you may be provided with information about insurance and annuity
products offered through j Higgen Capital or LLCNPN number one
eight eight two seven zero nine four
This is the Retirement Solution Podcast with financial advisor John Hicks,
founder of Jayhagen Capital.
Speaker 2 (00:07):
John, all we do is talk about retirement in these
conversations that you and I have together.
Speaker 3 (00:12):
It's boring, isn't it. No, it's not no, it's actually
actually I was thinking just the other day, I want
to retire one day. Nope, tomorrow, to push in the
no button denied. Yeah, I know, but you know it's
the first time that I thought, you know, one day,
I want to live the life. I keep talking to
all the clients about that. I was like, man, I
(00:33):
could do I could do an African safari. I could
do a Mediterranean river cruise for thirty days. I could
rent a whole lake house and let all my family
come at various times when they could come see me.
We can take out the bass boat, we take out
the pontoon boat. I'm like, man who doesn't want to
live that life? Ooh, I could snowbird. I could go
to the places where it's warm when it's cold here,
(00:54):
and I could go to some place cold when it's
warm there. I could do anything within real that I wanted,
And he doesn't want to do that.
Speaker 2 (01:03):
And also you're like man, I sure do have a
lot of good ideas for everybody else.
Speaker 3 (01:07):
For everybody else, I got great ideas for everybody else.
For me, Nope, not so good. I'm gonna get up
at six and start retirement, start doing what I do again.
Speaker 2 (01:15):
Well, when it comes to the space that you exist in,
there are obviously others that have come before you, and
you all do you deserve your day when it finally comes.
And even Warren Buffett is saying I've had enough. I'm
going to retire ninety five years old.
Speaker 3 (01:34):
He's put in his time. He had ninety five. Yes,
ninety five years old. Warren Buffett is going to be
ninety five years old. It's a fake retirement. He doesn't
look at day over ninety two. I mean he looks great.
Speaker 2 (01:45):
He's not even fully retiring.
Speaker 3 (01:47):
He still eats McDonald's and Coca Cola every day. I
mean take that. You know, all of those physicians out
there is just like man, what do you say you can't?
You can't. Guy's got good genes.
Speaker 2 (01:56):
Keep it simple. He is retiring at the end of
this year. He will be ninety five years old. The
Oracle of Omaha himself has stood by some very basic,
if you will, investment rules, and these are the three.
These are three main points he is always touting and
(02:17):
laying his laurels upon. One, researcher stocks, know what you
are buying and hold them. Two, do not let emotions
or politics guide your investment decisions. And three, above all,
do not lose money now. And I understand that overall
goal of not losing money. Of course, when it comes
to our market investments, we know that there are ups
(02:39):
and downs involved in that, John, But sure does this
investment style still hold up today?
Speaker 3 (02:45):
Absolutely? You know. So, I've done a lot of research about,
you know, warm uppets strategy, and most people aren't maybe
aware that he studied under Benjamin and Graham, who wrote
The Intelligent Investor. I mean it felt like it was
the turn of the century. Wasn't quite that long ago,
but he was also professor at Columbia, you know, so
pretty smart guys from the very beginning. But one of
the things that they, you know, Warren Buffett is what
(03:06):
they call a value investor. And value investing has not
been nearly as good is growth investing recently. But this
is what I'm saying. I've done a lot of research
on this recently. Okay, what he's really saying is when
he's saying, hey, select good companies and hold them for
the long run. Here's what he's saying. Has nothing to
do with individual stocks. It doesn't do with hey make
a plan and stick to it. That's really what he's
(03:27):
talking about, because if you look at the way he
wants his money managed when he's gone for his wife,
they want to own exchange traded funds, which is the
whole basket, like the standard and poor five hundred and
just hold it. So when you think about it, what
he's saying is, hey, have a plan, like invest in
good quality American companies and stick with it, hold it
for the long run. Right. So that's the biggest thing
(03:49):
because a lot of people get very precise and fixated.
We talked a minute ago about people getting fixated on things. Basically,
just get a plan and stick with it because it'll
probably work in the long run. It's when you jump
on and off plans that stink. But I think what
you asked was, you know, do those things that he
talked about still hold up. Yeah, I mean, make a
plan and stick with it, don't let emotions get involved,
(04:10):
and don't lose too much money. Right, if you think
about it, those are timeless. I mean, whether he said them,
I bet they were said eight hundred years ago by
someone else in a different country, in a different language.
I'm sure the Greeks said something about that too, because
they are just timeless thoughts. Eight hundred years from now,
whenever we're speaking kling On or whatever we're going to
be speaking, I have no idea. But whenever we're doing
(04:31):
all that, my guess is those will still be good. Hey,
have a plan, stick to that blasted plan, don't let
your emotions screw everything up, and don't lose too much money.
I mean, that's almost like you could almost use those
rules for anything dating, you know, I'm thinking about my
fifteen yarn driver. It's kind of like, make a plan,
stick to it, don't date a boso, I mean with
what that basically means, Yeah, get your emotions out of it.
(04:51):
I mean, you need some emotions, but don't get too emotional.
Don't get too emotional, and don't lose too much money. Basically,
don't let him rip you off, don't pay go dot
dun you. But I mean, but I think those are
all pretty good. So if you really think about it,
they weather the test of time. Okay, Now, what I
would say is there's a lot of actionable things that
you can do based on all other things that Buffett
(05:11):
did as well. When we talk about not losing money,
I want to kind of focus on this one for
a second. Okay, A lot of people have used that
incorrectly by trying to push products, and I don't think
that that's the right way to utilize that phrase. Don't
lose money basically, don't lose money you can't afford to lose. Right.
This is a perfect segue and why we in our
(05:31):
office talk about bucketing. Right, So most of us, if
we think about it, we should have if we're getting
close to retirement, like between three and five years to retire,
or we're already retired, we should be thinking about our
money in the form of buckets. The first bucket is
money that we're going to need to use that year,
so that what's going to be included that Well, we
got social Security check coming in, that's going to be
(05:53):
in that bucket. We get some airbnb income, some rental
income that goes in that bucket. And if we get
some dividends and stuff that pay in because we're going
to need to spend that money that goes in that bucket.
We're gonna use that every year. That's what we're gonna
live off of. Okay bucket number one, Okay, bucket number two.
What I call the middle bucket, This is bucket that
we need to produce that income that we're gonna spend
next year. Right, we needed to produce that money. So
(06:15):
maybe this is that that rental property this producing that income, right,
Or maybe this is this is those good quality equities
that produce dividends, or these are bonds that pay a payment,
or these are CDs that we can rely on to
pay that income. That middle bucket is the money that
we know we need to generate that income that we
want to spend. Most people I have found do not
(06:37):
bucket mentally for that middle bucket. They don't have it.
What they do is they they just put all their
portfolio together. They say, I'm gonna spend about four percent
a year. I'm just gonna take all I'm just gonna
pick at that bucket. I'm gonna sell stuff if a
need to just pick at that bucket, and I'm gonna
spend whatever I pick at okay, guys, that's unfortunately, it's
what most of us do. It's just I don't know.
(06:57):
Maybe it's the mentality, maybe it's the human mind, how
we think about things. But it's not very efficient. Because
when warm Buffett's idea was is don't lose money that
you can't afford to lose. We cannot afford to lose
that middle bucket. Why because it's what we need to
produce our income so we can live in retirement. Now.
The third bucket, the last one, is what I see
most people have their money in, is what we call
the later bucket. This is like your four to one k.
(07:19):
You got, you know, a small cat, MidCap, large cat,
international bonds, cash, whatever, you got, all those things, and
it's what are we putting in that four to one
k for for later? We're building up that bucket and
it's growing and growing and growing and growing because one
day we're going to need it to produce an income
for us so we can live in retirement. But most
people they just put everything in that growth bucket, in
(07:41):
their mutual funds or whatever they own, and they just
pick at it. And guys, that's unfortunately where things mess up.
So one of the greatest things that Warren Buffett talked
about was don't lose money. He's talking about in my world,
what I say is he's talking about that middle bucket.
We need to be certain that thatout middle bucket we
can't lose. It's either insured against loss like FDIC, or
it's ensured by an insurance company, or it's fully protected,
(08:02):
or it's collateralized, or it's guaranteed, whatever those terms you
want to use. We want to make certain it can't
evaporate because of tariff talks or because of another technology
meltdown or whatever. The reasoning is right. So we're starting
to engage in a little bit more dialogue right now,
at least the administration is with China. Some of it's good,
some of it's not so good. And so when you
(08:24):
think about that, could that potentially cause an effect to
our economy. Maybe hopefully it won't be a bad effect,
but it could. And we need to make sure that
middle bucket can produce income no matter what happens with
China or Russia or any of these things. We have
no idea what the markets are going to do, but
we need to know that we can't afford to lose
money in the un middle bucket, and if we just
(08:45):
understand three buckets, Some we have to spend this year,
some we have to make sure we can't lose so
it can give us income later, and the other one
the last bucket, the later bucket is for growth. If
we just use those and this is a kind of
a buffet commentary, if we do it that way, we
will have a very successful retirement as long as our
math works out.
Speaker 2 (09:02):
Understanding how to bucket your savings and investments. It seems
it is a simple concept, but it's not necessarily easy
to figure out on your own. So if you want
to start this conversation with John and his team, we
encourage you to do so. Visit us at retirement solutionshow
dot com. We also have links posted in the show notes.
Thinking about all the points you were just making and
(09:24):
understanding how we don't want to lose money, but in
a world that we're living in, where we're living twenty
thirty forty years in retirement, we do have to have
some market investments. We've got to find a way to
grow the money through our retirement years. But still we've
got volatility, we've got new asset classes, creeping in like
crypto AI is going to continue to drive all kinds
(09:44):
of new things in the future. John, how can a
retireee balance traditional wisdom like what mister Buffett says, sure,
with modern opportunities.
Speaker 3 (09:54):
Yeah, so I think there's a difference between diversification and speculation. Okay,
So you know when it comes down to a lot
of like crypt does stuff and AI a lot of it,
it just isn't proven yet, So there's a difference. Don't say, hey,
here's about eighty crazy ideas out there. I'm just going
to throw a little bit of money at all of
them that may not be all that great. So again,
if we understand our buckets and we know that the
(10:15):
money that we can't afford to lose we won't lose.
We can take a little bit of risk, we can
choose to and again up to our risk tolerance. Right.
But I mean, I think that there are some really
great technology companies that can do some really awesome stuff
in the future. And if you look at what some
of these companies may be able to do, could they
easily double or triple or even ten times your money
over a period of time? I literally think they can.
(10:37):
Now do we want to put all of our money
in it, because we can't afford to lose all of
our money. But does it make sense to use portions
like three to five percent of our portfolio in something
like that over time? Yeah, it's wise. That's how he
did so well. You know, over time he invested in
quality companies that had the opportunity to grow a lot,
And that's exactly what we want to do. We just
(10:58):
want to make sure again when it comes to market
based investments, they go up and they go down, all
of them. Nothing only goes up, and very few things
only go down unless they go bankrupt. But most of
those things we can have in our portfolio. We just
have to be wise about which bucket we put it.
Speaker 2 (11:13):
In, understanding how to add layers of protection to that
money that you can't afford to lose, thinking about your
income streams while also embracing modern opportunities. I mean, now
more than ever, it's only going to continue to become
more and more complex for people that are in retirement
to understand how to move successfully through this next phase
of your financial life. But you don't have to do
(11:34):
it by yourself. John and his team Jay Haagen Capital,
they are here to help, so visit us at Retirement
solutionshow dot com or just click on the links we
got posted in the show notes.
Speaker 1 (11:44):
Thanks for listening to The Retirement Solution Podcast with John Hicks.
Begin the conversation about your savings plan with John and
the team at Jahagen Capital by visiting Retirement Solution radio
dot com. Be sure to listen to John's radio show,
The Retirement Solution Saturday days at eight am and Sundays
at nine am on NewsRadio eight forty whas.
Speaker 4 (12:06):
J Haigen Capital Incorporated is not licensed in all fifty states.
To find out if Jay Higgan Capital Incorporated is licensed
in your state, please call five zero two sixty nine
oh fifty six thirty five.
Speaker 3 (12:14):
J Higgen Capital, Incorporated is not affiliated with, nor endorsed by.
Speaker 4 (12:17):
The Social Security Administration or any other government agency, and
does not provide legal or tax advice. By contacting us,
you may be provided with information about insurance and annuity
products offered through j Higgen Capital or LLCNPN number one
eight eight two seven zero nine four
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