Senior Safe Money Strategies with Bill Kelly 3-18-17

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Monday, March 20th
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What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly called killer triple A 81881. Or locally at 78184939. Feet. Stay informed. Are you getting hey these are behind me. Bundle to any investing relationship. One here's the ability of your professional and another is availability. There's attitude and action and accountability. And bill Kelly you're safe money strategies. Call 8800. TT ED wanted to speak to bill. What matters to build Kelly is here yeah we think you're giving them straight days. Senior safe money strategies. For calling 81881. Call today. Yes spotlight to a certain that that should conference thank you very much of and so and so. Tripoli 800 in 1981. Call today. We would like to come to cafe at Skid Row that luncheon there and that would be wonderful thank you. About. Tripoli 81881. Call today. I was just listening to your radio show and I. I would like to attend the Tuscan kitchen. Presentation. So if you could make solicitations for me in let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you. Tripoli 81881. Called today. Good morning and Sunday Garrick exec the vice president tally financial services folks. And they perceived sense of security most retirement funds are required to only invested and highly rated shots so it seems to be the perfect matched however most mortgage backed securities were rewarded down to a sub prime loans which eventually defaulted costing the whole ball to collapse and short pension funds. Across -- -- -- -- -- -- -- -- -- -- -- -- -- -- financial -- -- -- -- -- -- -- -- -- -- -- -- -- -- market volatility. -- encourage -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- discuss options -- -- retirement -- -- -- -- -- pension -- -- -- -- -- -- -- -- -- -- -- financial services -- -- -- -- strategies -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- financial -- -- -- questions -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- thousands -- hardworking Americans -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ordered investments. We encourage you other listeners to seek an explore all of their option options before they meet their retirements final decisions call 888818. 21 oral Lee at seven E'Twaun. 849. 09 TO thing Q. And have a great day column 88881882. Lawn motor locally at 781849. 090. To sketch and a complimentary appointment with myself Misha daycare and my authority offices sit with me and receive sending camp's rejection as well as a full analysis of older investments we encourage our listeners to seek an explore all their options before they make their retirement final decisions call 8888188. To one or locally at seven E'Twaun 849 DC on nine CO pink hue and have a great day. Tripoli 81981. Call today. Well for the book on. The average time it refugees today thank you. Tripoli 81881. Call two days. Did let into the radio show over and over it back anyway out caught because I am interested in learning. You know maybe having you guys you complementary review and I also enjoy them over the material that movements and they cute and have a great let it. By. Tripoli 81881. Call today. And Condit country every day and I'm sure he. So on Saturday morning I heard a big event on the twelve I would love to attend not just one ticket agent and and Timmy and I want to thank you Bob. An animation you sent me and I love Billy Burke I can't and god bless and I. Tripoli 81881. Call today. Iris. And piety wealth preservation risk management seminars that Babson. I would like to attend a brunch. Then Turkey could email me more information about it to the both of us would like to attend the branch thank you. Tripoli 81881. Call today. Think yeah funny strategy. Wealth transfer in seniors safe money strategies. Living trust seniors earning money strapped. Medicaid crisis planning your stay on track. Portfolio income projections. And your money strapped. Call bill Kelly exceeding 31981. Or locally at 7818493090. Okay. I'm Tony. Okay. Coming. Yeah. Really good car. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly call mile triple A 81881. Or locally at 78184939. Feet. Stay informed. I'm Andrew crowd chief investment officer Kelly financial services DS and 500 is relatively flat this week but no more detailed breakdown the worst performing sector was financials which are down about seventy basis points to best performing sector was utilities which drop about 75 basis points a common misconception. Is that is the market is up. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Media and give it twelve upcoming events in Newton Burlington natural Salem at the Tuscan kitchen crown plaza or Newt America. Call 88888081. Per complimentary seating. Senior safe money strategies Tripoli 81881. Call today. Yeah. Any any any 800 when he hit one we're having events at the Tuscan kitchen we're having events add events in college and we're having events at several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays im hoping opening lanes we have a new office in Newton it's packed we will make room for you will make room for everyone any any any 800 when he didn't want we just opened the office it's packed. Schedules packed we're adding I'm more and more staff to new and we have to train people we have to do growing and we will fit you in the paint paint 800. When he did one get another look at what you're doing before you make a mistake where before you do something that's -- Sit down with John standup yourself get knowledge visit with us at the Tuscan kitchen in Burlington or Babson College near -- 888800. When he hit one we're going you have crunches and we're going to have dinners at the new married not known to -- the Newton office which is off the charts institute's roots iso 888800. When he didn't want to do on that get a copy of senior safe money strategies and get a copy of the -- 888800. When he -- take the national senior retirement test which I developed -- 88800. When he didn't want to find out where you stand when you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up. Any pain any 800 when he didn't want to find out what the expense expenses are. Inside a few portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country pointed it went and find out if you still want to continue to give away that point five. 11 and half two and a half four and a half percent every month or anyone put that in your pocket or not given out at all. Eight and 8801. If he wants it would thus there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you and we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market and we're going to show you the expense ratios and what you have find out where you're actually standing on fees right now you have investments that are eluded any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are packed always or -- -- us at bats in college and they've welcomed us with open arms it's a fantastic. Experience and perhaps in the home of American. Entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there. And we welcome to a new office in new don't be shy Akamai and me just shake hands kind of what we can do for you paid any 18100 when he did one season. Keep your family fortune in the family she what you can help you lose what you want and pass along what's left. Are there trillions of dollars in IRA and individual retirement accounts going to beat too much for Uncle Sam to overlook. Have you done tactical plotting to strategically guard your assets acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate and protected from creditors and interloper is. New legislation is here now do not delay take decisive action to keep your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment or consulting session and have all of your questions answered that's 88881881. Keep what you had to use what you want. And pass along what's left. That's good. Thank you. Oh. And I. We. She's loved. And the bond yeah. It me. Please consume in this system is supposed count an elder law attorney who specialists and trust immunity in this state planning thank you for joining us today returning to tell thank you for asking and knowing helping a lot of clients and Kelly financial unknowns to the plate they're raving about you personally appreciate you doing Minnesotan Paul what are you finding what you're seeing in these two meetings in general but you can tell us that seem to be very important to these folks and visit -- secure financial services. Well I have to say that I am your client can be more in Florence. About the picture documents and state planning options that are available they can get done their homework and baby are well educated but there's still a lot of misinformation out there and it's important for her. For clients can now there's not a one size fits all come to estate planning a lot of people think to be in this. But because the trust me the only way to protect my ass that match. Not necessarily that he. So we look at the Medicaid trust. In the different pay a premium vehicles. To help get this part of the way there at the client he now that's not the only way you can help protect thereafter and the things they've worked very hard for her than a lot of other planning tools that we as estate planning attorney can help clients let that can give them axiomatic protection and peace of mind. At the medic he trusts can't. The meeting with them quite a few of the cards and knows who seem to be very happy the most stream sparring with you for the most part we have people worried about passing world to their families during an intense. Many can spend around he's become incapacitated. And then again maybe getting some benefits while they're living out prior to going to heaven because most were part of the deal. There's an era remarkable trust people seem to fear is their cost for you or. Our marker a marker where you're saying well I think it's time for a different couple permanent trust or is accused McCain's which I'm sure there must be really tough. It's it's certainly case by case won the thing that clients seem to know and I'm very standard client and they think that walks through the door is media couples nearing retirement each. They have hired the navy is not a market. And needy a lot of their investments are tied up and called sights and fun like hos I mean I'm apathetic hack their starts of for a one stage I Ares. Further after that can never be placed in Q are any type of track because I Arafat says both have to be owned by an individual. So someone has a house the mortgage that's another African cannot put into a Medici trustees gave to Jiri vocal track. Because your name comes up the deed and that they file will often caught your mortgage to let that happen. So with that type of standard client that content and Medicaid are not appropriate. However what we can Taliban and you know maybe it expects it buried near retirement age you're staring down next to actively managing their ascent. And to do those eerie multiple truck he can't be your own truck heat. You are giving up a lot of break accessed from the managed them honey pretty accurate inside of them. And while they definitely have a police and state planning. It's something that can be done Leon there is a five year look back period. But it good financial power to turn me and give your your children the ability to Q messy commute forty in the future. In their other way to do it the other ingredient. When it comes to the Erie vocal over since the re vocal track there's no magic eats. A linkage to make that transpired I have ninety year old client were not want to give up control of their assets. And I at a poked their sixties who aren't so it really is based on the situation healthy this where you're at in your life. How you feel. You know what the risk protection verses the ability to control the abstract. Let that kind of will meet the people per gallon pot with me. And personal try to make it a very comfortable processed either they know what he's claiming it's not I'm talk about it's not on the Klan. Like try to. At the very beginning and factual my client goals and their philosophy is for the first question Tucker I hear what your goals they blocked the key. You know we tried to work on a plan works best for them become useful. Who was elusive McAllen incredible estate planning attorney know the law specialist who helped our crime particularly financial and both Burlington in Braintree. And speak to our event you licensed in both New Hampshire and Massachusetts that is correct and it's a special qualities he'd be fine and helped us along because we have clients from both those states and also some some couples are actually some people have property. In those states who really announcement that the events especially people funded here streaming magnetic speaker anywhere from the hearts of people seem like I'm about if you listen. Who think UA ideally I really enjoy what they do and I loved sitting down client. And like the fact that my job as a one on one relationship with my clients and what I offer for my client is. They don't charge you for follow up email and phone calls and things like that you think Erica at click. He knows some amazing document together for a cure rate you can get to know every kind of kept contact. My office. We haven't done much for you so and for Kelly financial's clients are well I have been revealing their existing documents. No charge. Just make sure they're doing what they would think should be doing and it's really good just to go through them because after seven or ten years beneficiaries might have changed. There's a lot of watching it and and then not to overlook powers of attorney just as important in this state plan making church aren't major health care decisions and their place decisions he needs attention and leaking check your spelling out who gets what it's much he can what you want and cannot change you know like significant and then he'd be document. Well we appreciate it 888800. When anyone we have a wound trust booklet that we provided Tony 161000 numbers tell us a lot of characters don't trust him I know this you have a lot of information for the folks who can also can't refuse to continue he is under one you want you appreciate you being on this morning you know you're busy with your own son he's three now while times. Chaining yeah well it. I'm plight. Unions whose name is Sheridan and our island room could look good Arlen immune to you know for us again next week thank you very much and I were I would definitely you can a couple of you know. Can you pick out what people there. So it was supposed to you know and I don't do wound up returning to specialists and trust. Mentioned in this state planning PPP. 801 you want. Attorney I don't listen put Caroline stem fantastic human being great credibly you know skilled estate planning attorney call eight and he. 801 if you wanna ask for the will and trust workbook ask for 2016. By the numbers pass for an sit down. With Melissa in Braintree or Burlington the EP. 800 wanted to you want and we'll be right. That's good. Thank you Lou. He's here. She hooked. Does. And the bond you have it okay. Senior safe money strategies Tripoli 81881. Call today. Yes all like to attend your action conference thank you very much. And so and so. Tripoli 81881. Call today. We would like to come to ask a drought that luncheon there and that would be wonderful thank you. I'm back. Tripoli 81881. Call two days. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. So if you could make originations for me and let you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you. Tripoli 81981. Call today. I would. And piety wealth preservation risk management seminars that Babson. I would like to attend a brunch. And took you can email me more information about it to the both of us. Would like to attend the branch thank you. Tripoli 81881. Call today. To go and keep what you have. You just what you want to and pass along what's left. Are you aggressively working to keep would you happen pass along something to those near and dear to you. What type of look back isn't sort of replaced their recent five year look back and replace the original three you're looking back. Are you worried about the new tax laws. Well above potential means testing for Social Security Medicare and Medicaid and call 1888800. V 1981 now and speak to build Kelly yeah. Get bill's book scheduled to review and make an appointment or have a consulting sessions to answer all of your questions today and that's 888800. 1881. And. And. Yeah. The. I think the United States is the greatest place in the world to invest. We have some changes its. Read this. For those of you wanna protect your wealth if at all possible for those of you who. Are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Schedules packed we're adding a more and more staff to new and we have to train people we have to do growing and we will fit you win 888800. When he hit one get another look at what you're doing before you make a mistake where before you do something that's irreversible. Sit down with on standup yourself kit knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. When he hit one we're going you have crunches and we're going to have dinners at the new Marriott not to support the Newton office which is off the charts just to kids with -- 88880181. You know that get a copy of senior safe money strategies and get a copy of the workbook 88880181. Take the national senior retirement test which I developed. 888800. When he didn't want to find out where you stand when you finished the test you know we understand it's a very it's a test that won't cause you to think about what you're actually doing and how you might stack up any any any 800 when he hit one find out what the expense expenses are inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need anything. 800 when he went and find out if you still want to continue to give away at that point 511. And a half two and a half four and a half percent every month or you won't put that in your pocket or not give it out at all. Any any any 800 wanted to he wants it with us there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for -- -- we'll show -- that -- of your investments and sounds like a -- term -- -- really the strength of your management we're gonna show -- the danger of -- entire portfolio all mapped out which is how much volatility you have in comparison to the market -- showing the expense ratios -- what you have find what you're actually spending on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are -- always -- sit with -- at -- in college but they've welcomed us with open not just a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based -- successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there and we welcome to a new offices new don't be shy command leadership cans kind of what we can do for you paid paid 18100 when he did one season. A brother turn. And strolled to. Depends who flew in Pablo. A well I'm I'm speaking of the most important irishman in Boston and Saint Patrick's Day so I'm I'm I'm six. Got quite a couple days after it. It. I scheme got. People all across they'll. O'Malley and no great afternoon right now. Accessed at him. Boston where. And it tended to be that they've spoken out art school. Wednesday I mean that bridge. Right now two. It. Should. Somebody told them I'm getting old. But I don't know that yet you know you you know. Here just on this schedule. And I'm not running pretty up. Not looking great and two. What people last you do. The church might be able. I can't. Great bill but not. Relatives who we hire me and I have no idea that. When you when was the last people I can carry the message and I think you're. Probably I don't have to tell you you're aware of that beautiful message that very few people can convey because you've. Been successful in every area and you've been. You know Lou the presidency Francis cornered me to get around him speak because he says you're Catholic business person but I. I couldn't compare with your accomplishments of what you've done and you've proved today at every level everywhere you went. Frank. Like you're right here for a guy argue. Business success but at this point you know like to do with no way to get your son William. Elect spoke to a couple of I. Hope like yours is comment. Is stewed. I think. Baseball. Don't doubt that. Right to protect public. Records Christina. And watch him play. Boom Mike should grow up and then when we get so little old. It cook Providence College quote. And my and then we'll go to quick puck elect. When that as the future. I'll tell you wanna have Kelly link that happened we love to have you could relax and it's a great placed on the other kind people as you know that's a nice. Very nice offer will. To please make an American I'm serious. It. Norway who wanted to come down and everything what I just couldn't do it becomes a personal information in Manila this is when. But he sure to hear it it's new does admire you talk about. It you know. These calls that people that I talk to. On the way. Spoke up it's not a union is. Oh yeah Cambridge. That you guys came up two steps well. Oh sure a every lap of that money I'd now like. Erica. But upcoming that this is. This is like you all the time so mental I helped you at all that. You know to me. You're helping me personally so that's all it can't. I just admire just get it checked this and while these people should solicit your radio show O Seidman. The story so. About evacuation. Capped by accident. Sports almanac you know I am sure I am happy that bill I mean much of future. Well mine it's a circle of circles around South Boston Dorchester righty. Was way far away from the church fifteen years ago when a client came in. Her name's Mary you would know her she's going to be Irish pro which is great client who has been. And so she's sitting in currencies. She's a complete you know is she father Finn and I I hadn't been the mass in a long time. I sit here you're always talking about father offending going over to help us of what's what's happening she said well. We brought him food last Friday. And we went into the kitchen to speak autumn in new refrigerator on last month she said so we went in to put the food and refrigerator. And she's so don't cut could be somewhat stole refrigerated we ran into father and so what happened there for attorneys that I gave it away the physically to admit that he did it and haven't sort of typical offense that exit out of print. It could have sought for themselves is now and I really don't you sit marry somebody like that's our segment I've got to meet this man and that's going to be back. Into the faith how do you like that. Well I'm not surprised that builds your votes at this story. Occurred Kamal from my back you know and people. Whoever far away yard that bird to kind of check in Egyptian courts. And then outside help build a tennis what it takes a little kind hurt a little word of encouragement you bullies. How much that it really helps. You know you radio show should budget charge you a story. Secular story part of peak peak shut Latin. I. You know there are other good but actual people around the country June but Georgia story. About our relationship now. The question. How much that means you. Could yes I am playing soccer but. Kelly. Two others. That bill talkers college you know action next more with people. You could possibly imagine. We'd know what a lot of wealthy people go to a lot of successful. Business people that you know really liked them we really people look good books Hamlin who would say. Who have you know I ask you who out of the bigger problem once sun life. Utley bounced act made it to a good outrage you. That's where you go. Well I remember one night in New York City are very simple I'm a little bit of a spot you're gonna go to a hospital and I didn't really realize is anarchists who play caller just wanna pray it was somebody in Asia after the call ambassador Flynn you know. Never come. Check it will also captured by. Eric's. Are not just contract shoe. Source dollar contract moons and the national hockey. Well Alice mayor. Church in this. It's possible there could be no shrinking. And I some markets here. And I know element nice shirts and listen not hear slant. Uses. Stumbled looked at. And I shared you know Bob Bennett a little slow. I don't know program. What were sloppy. When I say you know watch out. Talking to walk people and how am. You know. One great hockey. Outside. And at times. And that you know that's an error. Our. Program. There. Helping a lot of people messed it Turks and listens to go kill. You know what. That pokes person partners saints. That's why I'm mice papers. Actually Sony Ericsson. Outs Greg national hockey players. Should exit ranges and I helped them that's you know what. Nothing nothing more to me. We have stories Eric's Candace. Well he's he's a great example and I appreciate you being with us to this morning and then hope you had a great. And you have a great time with the parade and I know it's going to be great for everybody. So I can't thank you enough for being with us today. Good to be with you bill gut less happy say. You two have been some mrs. Clinton brood. Who. Just over five keywords bundled for your retirement years the first is time to second is trust. Texas is a keyword technology has impact terrorism is the worst tee ward of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies or call 88881881. Saint street to drill what matters to bill Kelly yeah he's cute. That's terrific. This is Daniel Christensen for Kelly financial services. On to spend some time today talking about the importance of long term care planning. I understand that this isn't something that's extremely pleasant to talk about in no one enjoys talking about a scenario in which they may not be able to live as freely as they are today. But the biggest is sixty you can make is to not plan for long term care. It's affecting more and more seniors every day in 70% of people that turn 65 this year we need some sort of long term care and lifetime. The average extent of this care varies but on average stands around three point seven years for women in 2.2 years for a man. I understand some people out there thinking themselves and feel great in my doctor says and no major health concerns. But the basic risk for seniors isn't disease or sickness. It's falling. According to recent study this year alone one in three elderly Americans will fall. He currently foes are leading cause of fatal and nonfatal injuries for the American seniors. Falls are sudden and unexpected accident they can change the course of your life do you grow your current retirement playing completely. Most of the time a simple slip on the nicer phone on the kitchen in the to a stream medical bills totaling in the thousands. As of last year the average base costs for an assisted living facility in Massachusetts was around 4000 dollars per month it's your current retirement plan have the flexibility and strength. To support expenses like that. Hey Kelly financial we're here to work with few in the since your goals and objectives so that we can create a wholesome retirement plan that protects your assets. While providing a steady inefficient income stream at the same time. There are many different strategies that we use to ensure that we can deliver long term care protection to our clients. And an affordable rate. The rate that would be significantly cheaper than paying out of pocket for the care. Encourage everyone to come into one of our three offices. Braintree Burlington and our lovely new office in new in Riverside center. We're 101 of our dinners and branches in the Greater Boston and New Hampshire area so you can say with us and talk about long term care plan. You've worked your whole life to save up for retirement. Plan now so the can enjoy your retirement. And pass along with you have left to those that you love. If Kelly financial call it EDD. Eight under 181. Or locally at 781849. 3090. Schedule a sit down with one of our retirement specialists don't wait. Be proactive plan for the future and remember 70% of people that turn 65 this year we use some sort of long term care in their lifetime. Give yourself the financial stability to get the best care possible. And protect the assets you worked your whole life for so you can passes along to those that you love. If Kelly financial call it ED DE 800. 181. Or locally at 7818493090. Thank you. Senior safe money strategies Tripoli 81881. Call today. Yes spotlight to a turn their backs in conference thank you very much of it and so and so. Tripoli 81881. Call two days. We would like to come to cap it at Skid Row that. And luncheon there and that would be wonderful thank you I'm back. Tripoli 81881. Call today. I was just listening to your radio show and I. I would like to attend the Tuscan kitchen. Presentation. So if you could make the motivation for me and let me you know I would appreciate it thank you look at it and I was like to make a reservation twenty. Tuscan kitchen thank you. Tripoli 81881. Call today. I really. And piety wealth preservation risk management seminars that Babson. I would like to attend a brunch. And touch you can email me more information about it to the both of us. Would like to attend the branch thank you. Tripoli 81881. Call two days. Senior saint unease strategies wealth transfers senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning senior saint under stress. Portfolio income projections seniors save money strapped. Call bill Kelly 888800. In 1981. Or locally at 7818493090. My name is Brandon Patrick and I vice president with Kelly financial services and today I'll be talking to about the Everest affect the Everest affected is the idea that we really climbing Mount Everest to retirement so the big question here is what happens after you reached the peak of the mountain so when you think about climbing Mount Everest to think about being at the top of the mountain when he 9000 feet bout with their arms in the air insane a youth climbed mount efforts at the same time you are now 29000 feet up and you have to navigate your way back down on the mound so when you think about retirement he think about that day where you have saved all of your life. You say prudently. Intelligently. And at the same time your getting ready to retire and there are new phase of your life you have to have a plan of attack and you have to know what is best for you at that time. So you have to work your way back down the retirement mountain you have to work with somebody they trust and you have to work with someone who's been down that mountain before that is where we come -- we think of ourselves Sezer Sharpless we help you navigate through different courses different phases of retirement the biggest thing that we see is having a singular focus on just getting to retirement can expose you to different risk throughout retirement. We've come across a few big mistakes. The one who is focusing on returns in need to have realistic goals and meet your personal and I focus on the word personal. Colds because you need to realize you're it's not a one cookie cutter thing whenever you're looking forward needs to be detail to you that is what Charlie financial services focuses on any to have your money working for you you need to have an estate plan and you need to have plans for some of the big expenses they humane care throughout retirement please give us a call at 888801881. We'd love to have you come in sit down we'll give you for now since of their portfolio to a different ideas for you to navigate down the mountain after retirement thank you. And again my name is Brandon got pretty please come and have a free consultation. Will give you an announces of their portfolio. And any time give us a call 888801881. Thank you. Tripoli 81881. Call today. So its financial survival and what threatens that for you and in retirement its cash flow and you have a government that sort of works against you win some points that they wanted to put in some heavy heavy regulation involving what I do for a living and that was to control. Artists people like me more thoroughly more in depth and I'm not. I'm not I wasn't objecting to that was called the deal well if you hear department of flavor that's what it means they wanted more rules they wanted most wanted it to be more strict they didn't they do not want salespeople. Controlling the industry they wanted ethical people now that's one of the things I wasn't really happy about with Donald Trump. Naturally you see that Wall Street running to win no peace over 25 that's astronomical with back to 1990 knowing inflation's back. And interest rate right roots are coming which is going to cause foreclosures and margin calls in my humble opinion eventually I think we're good for about a three quarter. Of percent interest rate hike before things that start to get really telling you know what's three quarters of a percent of 21 trillion I don't even wanna count and now. It's billions and billions of dollars that we're gonna have to pay on our national debt more so the interest on the debt might be our one of our. The largest expenses as a nation so your financial survival is important. Really have some events involving financial survival coming up. Over the next three months and make sure you make it to one of these some financial survival seminars and find out it's 888800. When he needed -- sit down with us forever and a dinner or -- -- and enjoy it and see if you can get some tips on financial survival I think the little things have to go right before the big things -- -- the government's the opposite we rolled out of health care plan nationwide without having read it without having made -- trial run the trial run in Massachusetts was working by the -- in my opinion I did not have a problem with that I thought it was great and so they decided to -- that -- -- our premiums on -- doctors are scarce and everything -- told you about it didn't happen but they have an unlimited supply of your money it's called opium and -- to drug OPM stands for. Other people's money you with the other people so they told you when we started the following case system which came out of that teaches annuity system trying to. Create that for all Americans all people here who worked in me displaying instead why not put money where you know tax deferred and then when you're seventy ticket out at a much lower tax rate let's face it's going to be quite a bit lower and what's not as substantial tax increases under President Obama but they needed more opium needed more of other people's money put other people aren't other people their due to me. Where other people they can print the money. They're gonna take as much as they can from us or bigger print it if they printed who has to pay it back after they spend can spot people who work so it's a confusing system isn't the answer retiree you're financial survival depends on the basic. Aren't the first part of your financial survival is your balance sheet your state balance sheet than your investments than your investment statement so indeed an 800 wanted to he wants it with us at the Burlington marionette. At the Newton or not. At the cafe has betrayal of the Tuscan kitchen over the next three months and find out about this have dinner or have a brunch with us financial survival it's important for investors it's important isn't Eunice of course that is so think about that. You have to defend yourself in order to survive just picture yourself on survivor island that this flaming torches there's alligators and snakes that would be your politicians I'm sorry I didn't say that today and this a lot of things that can nitpick you little spiders I don't know who they were pretty we we don't call people out but financial survival subordinates and it's a let's focus on that for the rest of the year we need an 800 when he did once it with me sit with Laura analysts there's a new office in Newton is off the charts as the kids and infant talking slang that's our charge folks 88 and 800 wanted to warn don't miss it got a lot of great things happening. In the very near future so it starts with you the state balance sheet it starts with your income for life plan it starts with your cash flow and such of their investments and stopped the investment statement so 888800. When he didn't want to copy of the workbook senior safe money strategies and all of this information inside of it and it's free and we just had forced thousands of printed I think recently and they were about to pronounce and guess what hit two parents have known tree complimentary my vice president Greg Laurie says don't like the word free mr. Kelly you know I know it's complementary but it's also free so let's enjoy it an 888800. Wanted to when we'll be right back. Senior safe money strategies Tripoli 81881. Call today. I'm wealth management associates Kelly and services my name is Logan Strauss a primary cancer many of our clients' Social Security retirement benefits there have been some recent changes in social security and there were. Well where these changes in order to maximize. Biggest concern client happens towards the taxation of the benefits depending on your. When your current income levels up to 85% of Social Security benefits can be subject to taxes currently individual filers but you know return without. Joint filers with. We've worked out will be subject to maximum tax benefits the windfall elimination provision. In the government pension offset to coach these changes the windfall elimination provision reduces your personal benefit. We never eliminate your entire depending on the number of users paid into Social Security. If you had substantial earnings over the years he maybe it would get around expedition the government pension offset is opposite on the spouse about. Social Security reduces your spouse's benefit by two thirds of your pension. If teachers if your pension payout is greater than Social Security spousal benefit you would not receive any benefit from some execute. Determining when to elect to receive your benefits it's also very important thing to consider currently full retirement age of 6667. To. An individual really should start collecting at 62 what you benefit will be reduced likewise the long. Wait let the high. I did that it will be this is called deferred retirement credits that being said every individual should apply for Medicare before the 65 birthday this does not mean. You have to start collecting. And that's here Kelly financial services we can help judgment making the right decision when you start receiving your benefits and how to best maximize substitute that schedule an appointment to sit down with. And discuss with one of our thoughts please call 188880181. Or pull locally at 78184930. It. Senior safe money strategies Tripoli 81881. Call today. Blue. This is Lou and Strauss of Kelly financial services. A primary concern of many of our clients the Social Security retirement benefits there have been some recent changes in Social Security news very important to be well aware of these changes. In order to maximize your benefit. The biggest concern that our clients have is in regards to taxation of the benefits. Depending on the current income levels up to 85% of Social Security benefits can be subject to taxes. Currently individual filers making over 34000. The joint filers making over 44000. Will be subject to the maximum tax on benefits. If you're seeing government pension but previously paid into Social Security. You'll receive a reduced benefit due to your pension benefit this reduction can also affect your spouse if he or she is taking a spousal benefit. The windfall elimination provision. In government pension office of the two grocery recent changes the windfall elimination provision reduces your personal benefit but one never eliminate your entire planet that depending on the number of years you paid into Social Security. And if you had substantial earnings during those years you may be able to get around this provision to government pension offset it is an officer on the spousal benefit. Social Security reduces your spousal benefit. By two thirds of your pension payout. Two thirds of your pension payout is greater than Social Security spousal benefit you were not receive any benefits from Social Security. Determining when to elect to receive your benefits is also very important thing to consider currently full retirement age is 66 or 67 depending on the individual. Early she can start collecting. 62 but you receive a reduced benefit. Likewise the long you wait to collect the higher the benefit will be. This is called deferred retirement credits that being said every individual should apply for Medicare for the star 65 birthday. This does not mean you have to start collecting retirement benefits at that time Gary Kelly financial services we can help guide you in making the right decision. A when mr. receiving your benefits in how to maximize your Social Security benefits. Scheduled appointment to sit down with me in to review your Social Security benefits you can call us at 188880181. Or call locally at 78184930. Nines. For those of you who are wondering about retirement the projection projections of your retirement investments then you cash flow give us a caller Kelly financial. Any any any 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication. In it you learn what has happened since the boomers first started their journey on earth and the unique place you might be today if you're over fifty and trying to figure out what path to take. On your retirement turning everybody has been on a path. It's called life. Where you've -- is probably in a place called sacrifice and going without you know and to invest and save for retirement at the same time helping others -- -- -- more of -- certainty if you have the proper information and you have the proper tools so any any any any country when he wants -- with us tell -- it's important for you to -- cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to -- opposite significant portion of the hearing -- -- your retirement cash -- so any any -- 800 when he hit one we're having events at the Tuscan -- we're having events at the Babson college and we're having events and several different venues in the -- three months we are absolutely -- right now for that reason we're open on -- -- -- opening -- we have a new office in -- it's -- we will make room for you -- make room for everyone 888800. When he didn't want -- -- 18100 winning -- one season. OK and you signify to the people. Thank you listening. Yeah. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly called killer triple A 81881. Or locally at 78184939. Feet. Stay informed. Are you getting hey he's door behind me. Bundle to any investing relationship. One he's the ability of your professional and another is availability. There's attitude and action and accountability. And bill Kelly you're safe money strategies. Call 8818. He wanted to speak to bill. What matters to build Kelly if you're. Yeah we think you're giving them straight days. Senior safe money strategies. For calling 81881. Called today. Yes spotlight to a turn your backs in conference thanks very much. And so and so. Tripling 81881. Call today. We would like to come to cap it at Scutaro that luncheon there that would be wonderful thank you. I'm back. Tripling 81881. Call today. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. Settled if you could make a reservation for me in let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you. Tripoli 81881. Call today. Well for the book blind. The retirement strategies today thank you. Tripoli 81881. Call two days. Did let into the radio show over and over little feedback on any well card because I am interested in learning. You know maybe having you guys you complementary review that also that you have been but the material that movements and thank you and have a great. Weekend by. Tripoli 81881. Call today. And to Condit country every day and I'm sorry you can't let get spot up there and I love it. So on Saturday morning I heard a big event on the trial I would love to attend a loved one ticket and it. And the Sunni and I want to thank you Bob. And information you sent me and I love Billy Burke. I take can't and god bless and I. Tripoli 81881. Call today. I analyst. And piety wealth preservation risk management seminars that Babson. I would like to attend a brunch. And Turkey could email me more information about it to the both of us would like to attend the branch thank you. Tripoli 800 in 1981. Call today. Think yeah funny strategy. Wealth transfer thing you're safe money strategies. Living trust your thing funny strapped. Medicaid crisis planning your name on track. Portfolio income projections. And your money strapped. Call bill Kelly 88881881. And or locally at 78188493090. Yeah. It's. Okay. Telling them. Yeah. Really good car. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly call mile triple A 800 in 1981 or locally at 78184939. Feet. Stay informed. This is Zander Kraft chief investment officer Kelly financial services with market wrap up the Dow finished down 98 points for the week the S&P 500 finished down ten points for the week the thirty year treasury finish at three point 16%. 3 thing you need to know in today's market the US added 235000. Jobs 45000 more than anticipated February. Dropping unemployment rate to four point 7% there's a massive oil discovery in Alaska. The largest of its kind on short the last thirty years yes repeat this week broke his six week win streak. Meet me at any given twelve upcoming events in Newton Burlington natural Salem at the Tuscan kitchen crown plaza or did America call 88881881. Per complimentary seating. Senior safe money strategies Tripoli 81881. Call today. Yeah. Any any any 800 when he hit one we're having events at the Tuscan kitchen we're having events and the Babson college and we're having events and several different venues in the coming three months we're absolutely packed right now for that reason we're open on Saturdays in my opening opening late we have a new office in Newton it's packed we will make room for you will make room for everyone NE 88800. When he didn't want we just opened the office it's packed. Schedules packed we're adding more and more staff to Newton but we have to train people we have to do growing and we will fit you win 888800. When he hit one get another look at what you're doing before you make a mistake or before you do something that's irreversible. Sit down with our standup yourself get knowledge visit with us at the Tuscan kitchen in Burlington or perhaps in college near Newton 888800. When he hit one we're going to have. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 800 point it went and find out if you still want to continue to give away at that point 511. And a half two and a half four and a half percent every month or you want to put that in your pocket. We're not given out at all. Eight and 8800. Wanted to he wants it within us there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you know we're showing you that -- of your investments and sounds like a big -- but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market chemically showing the expense ratios and what you have find out where you're actually standing on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office Newton visit with us at the Tuscan kitchen for dinner or -- those so those are -- always or sit with us at Babson college and they've welcomed us with open -- it's a fantastic. The experience and perhaps in the home of American. Entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events clinch gentlemen they're very important. We won't commute there and we welcome to a new office in new don't be shy c'mon in me just shake hands kind of what we can do for you paid paid 18100 when he did one season. Keep fewer family fortune in the family teeth which you have to use what you want and pass along what's left. Are the trillions of dollars in IRA and individual retirement accounts going to beat too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard your assets acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from creditors and interloper is. New legislation is here now do not delay take decisive action teach your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment or consulting sessions and have all of your questions answered that's 88881881. Keep what you had to use what you want. And pass along what's left. That's good. And thank you sir. He's a. We. She looked down. And the bonding. It okay. Ladies and gentlemen this is some support count an elder law attorney who specialists and trust immunity in this state planning thank you for joining us today attorney Patel thank you for asking and knowing helping a lot of clients and Kelly peninsula known as displayed everything about you personally appreciate you doing Minnesotan Paul what are you finding what you're seeing in the eastern meetings in general but you can tell us that seem to be very important to these folks and visit us secure financial services. Well I have to say that out of your client can be more important. About the tapes and documents and state planning options that are available they can get done their homework and they are well educated but there's still a lot of misinformation out there and it's important prayer for clients can now there's not a one size fits all come to estate planning a lot of people think being this. The big tanker truck and the only way to protect my aspect maps. Not necessarily fatigue. So we look at the Medici trucks. In the different pay a premium vehicles. To help get part of the way there at the client he now that's not the only way to help protect Barack for some things they've worked very hard for her than a lot of other planning tools that we as a state planning attorney can help clients let that can give them axiomatic protection and peace of mind. That the medic he trusts can't. Meeting with them quite a few of the conference and noticed that seem to be very happy what's transpiring with you for the most part we have people worried about passing world to their families during an intense. Many can spend around they've become incapacitated. And then again maybe getting some benefits while they're living off prior to going to heaven because most of her parents got him with the deal. There's an era remarkable trust people seem to fear is their cost for you or. Or mark from marker where you're saying well I think it's time for a different couple permanent trust our music to McCain's which I'm sure there must be this time. It's it's certainly came placate one thing that clients seem to know and I'm very standard client and they think that walks in the door is needy couple nearing retirement each. They have hired the media mogul Mort. And needy a lot of their investments are tied up in Clark writes quite content like half I think means am I have to protect tax expert before Roland Hayes I Ares. Further after that can never be placed in Q are any type of track because I Arafat says both have to be owned by an individual. So that someone has a house the mortgage that's another African cannot put into a Medici trustees need to Jiri vocal track. Because your name comes up that he and that they found locked in collier markets do that happen. So with that type of standard client that convent and edit he tried not appropriate. However what we can Taliban and no meaty it especially varied near retirement he's just really not that still actively managing their ascent. And to do those eerie Baltimore track you can't be your own truck eat. You are giving up a lot of break to accept me and make them funny pretty accurate inside of them. And while they definitely have a police and state planning. It's something that can be suddenly Iran there is a five year look back period. But a good financial color returned me to give your your children the ability to UST commute for you in the future. In their other way to do it the other thing in the end. When it comes to the U Riegle who works at the regal or truck there's no magic eats. I wanted to make that transpired I have ninety year old client were not want to give up control of their assets. And I at a poked their sixties who are so it really is based on the situation healthy this where you're at in your life. How you feel. You know what the risk protection verses the ability to control the abstract. Let the kind of poorly for people per gallon pot with me. And personal training at a very comfortable prospects beginning with the planning is not I'm talk about not under the clean and I tried to. At the very beginning and settle my client Goldman their philosophy is for the first question Tucker I hear what your goals they blocked the key. And now we tried to work on a plan works backed it and become postal. Who was so loose with the McAllen incredible estate planning attorney know the law specialist who helped our crime particularly financially and both Burlington in Braintree. And in return and you licensed in both New Hampshire and Massachusetts that is correct and it's a special quality even he'd be fine and helped us along because we have clients from both those states but also some couples are actually some people have property. In those states who really announcement that the events especially people find that if you're extremely magnetic speaker anywhere from the hearts of people seem like kind of voted you listen. Well thank you very ideal I really enjoy what they do and I loved sitting down client. And like the fact that my job as a one on one relationship with my clients and what I offer for my client is. They don't charge you for follow up. Email and phone calls and things like that that Chillicothe I clicked. You know it's an amazing document together for a cure rate you can get to know every kind of kept contact. My office. No we haven't done much for you so and for Kelly financial's clients as well I have been revealing their existing documents. No charge. To make sure they're doing what they would think should be feeling and it's really good to go through them because after seven or ten years beneficiaries might have changed. There's a lot of watching it and and then not to overlook powers of attorney just as important in this state plan making church and make your health care decisions and a place petitions and insufficient and leaking check your spelling out who gets flattened much he can what you want and not so incidentally significantly within the document. Well we appreciate he's he's he's 800 when he when we have a wound trust booklet that we provided Tony 161000 numbers as a lot of characters don't trust him I know this you have a lot of information for the folks who can also contact you through PPP. Is 121. Appreciate you being on this morning you know your resume or your own son he's three now while times. Chain arena you want it implies. Cartoonist whose name is sure there are island room Google's Google Arlen immune to you know for us again next week thank you very much and I love I would definitely use him a couple of you know. Can you pick up let's put there to support now and I don't do won't return you specialists in terms. Mentioned in this state planning indeed he is under one you want. Attorney I don't listen putt Carol instrument fantastic human being great credibly unskilled estate planning attorney call eight and he. 801 if you wanted to ask for the will and trust workbook ask for 2016 by the numbers aspirin sit down. With a listen in Braintree or Burlington the EP. 800 wanted to you want and we'll be right. That's good. Thank you Lou. Ask me. She hooked. And I'm gonna yeah. Did okay. Senior safe money strategies Tripoli 800 in 1981. Call today. Yes all the lights were turned their backs in conference thanks very much. And so and so. Tripoli 800 in 1981. Call today. We would like to come to cap it at scan around that. And luncheon there that would be wonderful thank you about. Tripoli 81881. Call two days. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. So if you could make a reputation for me and let me know I would appreciate it thank you look at it and I was like can make a reservation twenty. Tuscan kitchen thank you. Tripoli 81981. Call two days. I barely. And piety wealth preservation risk management seminars to Babson. I would like to attend a brunch. Then Turkey could email me more information about it to the both of them would like to attend the branch thank you. Tripoli 81881. Call today. Don't go and keep what you have. You just what you want to and pass along what's left. Are you aggressively working to keep would you happen to pass along something to those near and dear to you. What type of look back isn't sort of replaced their recent five year look back and replace the original three you're looking back. Are you worried about the new tax flawless. Well above potential means testing for Social Security Medicare and Medicaid in. Call 188881881. Now and speak to build Kelly yeah. Get deals for cruise schedule a review to make an appointment for have a consulting sessions to answer all of your questions today and that's 888800. 1881. I. I. Oh. The United States is the greatest place in the world to invest. We have some changes its. Few bad apples. There's reed. For those of you want to protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any any any 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication. In and you learn what has happened since the boomers first started their journey on earth and the unique place you might be today if you're over fifty and trying to figure out what path to take on your retirement turning everybody has been on a path it's called life where you stand is probably in a place called sacrifice and going without you know and to invest and save for retirement at the same time helping others that's where you've been an issue of travel through life just like you've reached a point which is called now this moment yesterday is history tomorrow is a mystery but look tomorrow can be a projected calculated and actually. Maybe -- more of a certainty if you have the proper information and you have the proper tools so any any any any country when he wants it with us I tell you it's important for you to know cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to make of this is significant portion of the human of your retirement cash flow so maybe 8800 when he hit one we're having events at the Tuscan kitchen we're having events at the Babson college and we're having events and several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays tomorrow hoping opening lanes we have a new office in Newton it's packed we will make room for you will make room for everyone any any any 800. When it went we just opened the office it's packed. Schedules packed we're adding a more and more staff to new and we have to train people we have to do growing and we will freak you win a paint paint 800. When he hit one hit another look at what you're doing before you make a mistake or before you do something that's here reversible sit down went on standup yourself can't knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. When he hit when we're going you have crunches and we're going to have dinners at the new Marriott now to support them you know office which is off the charts just to kids what's iso 888800. When he didn't want to -- on that get a copy of the senior safe money strategies and get a copy of the workbook 888800. When he went take the national senior retirement test which I developed any heat 8800. When he wanted to find out where you stand. When you finished the test you know we understand it's a very it's a test that won't cause you to think about what you're actually doing and how you might stack up any pain any 800 when he hit one find out what the expense expenses are. Inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds any any any any country wanted to warn and find out if you still want to continue to give away at that point five. 11 and half two and a half four and a half percent every month or you won't put that in your pocket or not given out at all. Eight and 8800. Wanted to he wants it within us there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you and we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market and we're going to show -- the expense ratios and what you have find out what you're actually spending on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those those are -- always or sit with us at bats in college but they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there and we welcome to a new offices new don't be shy command leadership cans kind of what we can do for you paid paid 18100 when he did one season. He broke. It's. This it's. Contessa flags hello ambassador went on your bill you do it. Well it's the usual Saint Patrick's Day is upon us and so are going to be great when. I think so you know I think it got all the issues I handout that the operate I felt that you and you write it is just a misunderstanding. Use that. You know he had great these great parade as it usually is you don't have that I don't but the whole thing. Is he has such history and tradition here. Irish immigrants and when it. Go to church in the morning and then we always correlate to let the cathedral will. We go way back over the after the cathedral of the holy cross from the so then you know we had so many immigrant Irish. When they first came from Ireland Mike Stanley since. That's where they went to church I think Patrick's day was built by the Nickels and times of the irishman when they first came from Ireland and that's where they felt most comfortable so that's your history and tradition with us on Saint Patrick's Day it's about the reason. This other stuff that's really good faith religion and family. That's what we look at the most about it. Well millions left in millions died know very few people realize that that what happened to Ireland I guess when you very. Yeah it's incredible matter of fact there's the united bill. How we were over to the Massachusetts historical society. Those competence 1791. I had done India and narration. With but the history of the Irish immigrants. In Boston story seamen. Migration an opportunity. It was really sensational. It sold out crowd over the air professor of ala who's so we're not peace in university. They had incredible group of people. Lot of professes a lot of academics. Presidents on the presence of serious colleges and universities. In the book that nearly and we had a chance to talk to me you them after the formal presentation and they were talking about it. Give background and experience to know some of the most successful academics and business people who don't in the entire New England area. Would there and I was just incredible to hear this story. All the story of a lot like you are still you know studying from the bottom. Working two egging us. Family commitment to business honesty integrity and they became presidents of universities. And college processes and doctors sin. You know you're the mall last night we met them all last night at the masters historical society endless. Was quite it quite an evening it is to be in the presence of so many. So many people have very very interesting story. To tell before they became famous. I'm looking back at these. Patrice back consensus on my Hillary over the years and I. Now some of them would save you from Ireland so much since the Irish free state I don't I'm not aware of the difference do. That ring a bell with you. Well I think it's a terminology that they use to you know he had the he had the northern island Essex counties in NORTHERN IRELAND are always going to be on their jurisdiction and felt Great Britain. And that of course was the battle of the independence. In the republic. Violence. He held my grant maidan mighty bright smile these talk about growing up an island in when they don't. And attending school. They had to work edit blessed virgin Mary statue in the in the classrooms. They put it they had a portable. How old record so when the asked the authorities came to police authorities came. In two. Go away they had to work dictate could show the Buddha statue of the blessed virgin Mary. So you lose the it was silent that was really under the control and jurisdiction. The British government as part of the United Kingdom that's what that. That's what this site result boats that are and the war and indeed an independence. In 1960 and that challenge you know we talk about that last night bill that speaks to struggle. For freedom and religious liberty hidden. In economic cold open human rights you know that came to bottle that was. Diverted to Boston with a no nothing new era you know there wasn't one single member of the Catholic state. That served as mayor of Boston. Governor. House of where these senators or a senator with it on time they called that the normal nothing you Iraq. And that's way and became student that's. And that's way kinda like deeply involved with the yet the effort to repeal that law. In Massachusetts would still looks. Yes which discriminates against Catholics in education he can't provide any kind of how do you are terrific quickly and the presidency you know at least Catholic schools a lot of them the students. There are a couple of black kids sure that you know you can't give directly given to. Tuned to these schools that's why so many of them. Pack closing and that's the struggle was an island until. In one in the Irish people came to this country like your family and Mike Hanley they face struggles and challenges and persecution and once again so. The fight never stops till we got to be on that close every day to fight for what we believe that. Well you know it's it the potato was a blessing but unfortunately. It didn't help Great Britain to. Go to the four corners of the globe there to fill up matches with tomatoes they would last for months and there are loaded with vitamins C and carbohydrates. So they needed more and more from the Irish and they force their hand. Until basically all of the. Did you just say when I used to go to lab on double about the exciting for united I haven't they are and I use of the over the years. People would say you know why he's spending so much time and and fighting for united island and say you know the iTunes on. Because what happens with the Irish it wasn't the election and the bill was just aberration. It was they that was cool counts but what they did is they took little time they took the food they put it on trips exactly like you said. And they brought it to other parts of the world to. Two to expand air. You know they are of two million homes across the world it would. But the food that came from Ireland particularly this staple food of the potato so you know it is. Is that not strong anti. Catholic. He anti Irish sentiment and I suspect that there will be this kind of persecution bigotry. As honestly looking for. For other shapes and performed other. Ethnicities and hanging in races as well that's why. You know that I admire people. That have the courage to get appeared speak out stand up and he here's some of these heroes on radio and TV. He knows speaking out definitely talk shows that I. I like listening to them I really do you know I'd like to do what take and they bring justice of the two years says people need to hear. And that's slightly. We have to get involved we really do that in any contingency that you can we. The reach your column. Often in in The Herald it's always great news learned that I'd specially learn and spending time with you and. Happy Saint Patrick's Day god bless them loans and. Just over five keywords bundled for your retirement years the first is time the second is trust. Texas is a keyword technology has impact terrorism as the worst tee ward of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies call 88881881. Saint street to build what matters to bill Kelly he's cute. That's terrific. Hello everyone my name is sting you Christensen and risk management Susie Kelly financial services want spent some time today talk about the importance of long term care plan. I understand that this is something that's extremely pleasant talk about. Is anyone that you are talking about a scenario which may not be able to live discreetly as they are today. But the biggest mistake you can make is not planning for a long term care. It's affecting more and more seniors every day 70% of people that turned sixty but this year some sort of long term care lifetime. The average expense care varies. On average stands around three point seven years for women 2.2 years from Matt. I understand that some people were thinking selves I feel great my doctor says that no major health concerns. But the biggest risk for seniors this disease sickness. It's falling according to a recent study this year. Three elderly Americans will fall currently sells it leading cause fetal non fatal injuries for American seniors. Falls or sudden unexpected accident they can change course your life team rail your current retirement playing completely. The times slipped on the ice or salt the kitchen can lead to a stream medical bills totaling thousands. Last year the average lease costs for an assisted living facility in Massachusetts was around 4000 dollars per month this current retirement plan have the flexibility strikes. Sport expenses that. Kelly ants were here to work seems to your goals and objectives that we can create holes retirement plan helps protect your assets while providing steady. In excess income stream at the same time there are many different strategies that we can use picture that we deliver long term care protects our clients and affordable rate. Garrido be significantly cheaper and pocket for care. We encourage everyone coming towards our three offices. Braintree. Burlington. In the lovely new office in Riverside San. Quartet partners branches in the Greater Boston and New Hampshire area so you can sit with us talk about long term care plan. If Portugal lights it up for retirement plan now. Enjoy your retirement pass on you have left says he loves. Detailed financial call 881881. Locally at 781849300. Schedules it out of retirement specialists. Oh wait proactive and plan for the future after the 7% of people that turn 65 this year we have some sort of long term care and lifetime. Give yourself the financial stability to be in the best care possible. Long term care insurance covers care within your own. And protect the assets worked your whole life for. And passed along to those you. Can tell it financial call 88818. Needing one. Call us locally 7818493008. Senior safe money strategies Tripoli 81881. Call today. Yes spotlight to a certain that some conference thank you very much. And so and so. Tripoli 81881. Call two days. We would like to come to cap it at scan drought that. And the tension there and that would be wonderful thank you I'm buying. Tripoli 81881. Call today. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. So if you could make the reservation for me and let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you up by. Tripoli 81881. Call two days. I barely. And piety wealth preservation risk management seminars that apps and I would like to attend a brunch. And Turkey could you tell me more information about it to the both of those would like to attend the brunch thank you. Tripoli 800 in 1981. Call two days. Seniors seem funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors think money strapped. Medicaid crisis planning a senior saint under stress. Portfolio income projections seniors money strapped. Call bill killing at 888800. The 1981. Or locally at 7818. Or 93090. So its financial survival and what threatens that for you and in retirement its cash flow and you have a government that sort of works against you win some points that they wanted to put in some heavy heavy regulation involving what I do for a living and that was to control. Artists people like me more thoroughly -- that and I'm not that I'm not I wasn't objecting to that was called the deal well if you hear department of flavor that's what it means they wanted more rules they wanted more they wanted it to be more strict vision they did not want salespeople. Controlling the industry they wanted ethical people now that's one of the things I wasn't really happy about with Donald Trump. Naturally you see that Wall Street running to win no peace over 25 that's astronomical went back to 1990 knowing inflation's back. And interest rate right brits are coming which is going to cause foreclosures and margin calls in my humble opinion eventually. I think we're good for about a three quarter of percent interest rates on it before things start start to get really tiny. Now what's three quarters of a percent of 21 trillion I don't even when it counted out. It's billions and billions of dollars that we're gonna have to pay on our national debt more so the interest on the debt might be our one of our. Largest expenses as a nation so your financial survival is important really have some events involving financial survival coming up. Over the next three months and make sure you. Make it to one of these in the financial survival seminars and find out it's 888800. When he -- -- sit down with -- -- and a dinner or any brunch and enjoyed it and see if you can get some tips on financial survival I think the little things have to go right before the big things going right the government's the opposite we rolled out of health care plan nationwide without having read it without having made it trial run the trial run in Massachusetts was working by the way in my opinion I did not have a problem with that I thought it was great and so they decided to -- that now money RO premiums on -- doctors are scarce and everything -- told you about it didn't happen but they have an unlimited supply of your money it's called opium or opinions of drug OPM stands for other people's money you're at the other people so they told you when they started at 401K system which came out of that teaches -- system trying to. Create that for all Americans all people here who worked in me displaying instead why not put money winning their own tax deferred and when you're seventy ticket out at a much lower tax rate let's face it's going to be quite a bit lower and what's not as substantial tax increases under President Obama but they needed more opium made it more of other people's money but other people aren't other people they're due to me. Where other people they can print the money. They're gonna take as much as they can from us or they are printed. If they printed who has to pay it back after they spend can spot people who work so it's a confusing system isn't the -- retiree your financial survival depends on the basic aren't the first part of your financial survival is your balance sheet your state balance sheet than your investments than your investment statement so indeed need 800 wanted to he wants it with us at the Burlington merit not. At the Newton merry at the cafe has betrayal of the Tuscan kitchen over the next three months and find out about this have dinner. Moreover brunch with us financial survival it's important for investors it's important isn't it yes of course it is so think about that you have to defend yourself in order to survive just picture yourself on survivor island that this flaming torches there's alligators and snakes that would be your politicians from sergeants and today and this a lot of things that can nitpick your little spiders I don't know who they were pretty real on the call people out the financial survival is important incidents of let's focus on that for the rest of the year we need an 800 wanted to once it with. Me sit with one of our. Our analysts there's a new office in Newton is off the charts as the consent and for talking slang that's off the charts folks 888800. Quantity one don't miss it got a lot of great things happening in the very near future so it starts with your state balance sheet it starts with your income for life plan it starts with your cash flow and such of their investments and stocks with your investment statement so 888800. -- -- you want to copy of the workbook senior safe money strategies and all of this information inside if it's and it's free and we just had fourth thousands of printed I think recently and they were about to pronounce and guess what you get to pounce of now retrieved complementary my vice president Greg Laurie says don't want the word free mr. Kelly you know I know it's complementary but it's also free so let's enjoy it an 888800. Wanted to when we'll be right back. Senior safe money strategies Tripoli 81881. Call today. I'm wealth management associates Kelly and it serves as my name is Logan Strauss a primary cancer many of our clients' Social Security retirement benefits there have been some recent changes in Social Security very. Well where these changes in order to maximize. Biggest concern plants attitude towards the taxation of the benefits depending on your. When your current income levels up to 85% of Social Security benefits can be subject to taxes currently. Individual filers but you know return without. Two hours. We've worked out will be subject to maximum tax benefits the windfall elimination provision. In the government pension offset what. To coach these changes the windfall elimination provision reduces your personal benefit would never eliminate your entire depending on. On the number of users paid into social security and we've had substantial earnings over the years he may be able to get around this petition the government pension offset is an opposite on the spouse about. Social Security reduces your spouse's benefit by two thirds of your pension payout is two thirds of your pension payout is greater than Social Security spousal benefit. You will not receive any benefit themselves here. Determining when to elect to receive your benefits it's also very important thing to consider currently full retirement age of 6667. To. Really should start collecting at 62 what you benefit will be reduced likewise the long. Wait let the higher event that will be this is called deferred retirement. The credits that being said every individual should apply for Medicare before the 65 birthday this does not mean. You have to start collecting. Bet here Kelly financial services to help judgment making the right decision that would start receiving your benefits and how to best maximize success that you schedule an appointment to sit down with. And discuss with one of our thoughts please call 1888821. Or call locally at 78184930. Sites. Senior safe money strategies Tripoli 81881. Call today. This is still account for those who you want to protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments then you cash flow give us a caller Kelly financial. Any any any 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication. In and you learn what has happened since the boomers first started their journey on earth and the unique place you might be today if you're over fifty and trying to figure out what path to take. On your retirement turning everybody has been on a path its goal line. Where you've -- is probably in a place called sacrifice and going without you know and to invest and save for retirement at the same time helping others that's where you've -- and as you travel through life just like you've reached -- point which is -- now this moment yesterday is history tomorrow is -- ministry don't look tomorrow can be a projected calculated and actually maybe -- -- more of a certainty if you have the proper information and you have the proper tools so any any any any country when he wants it -- -- -- -- it's important for you to know cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to -- opposite significant portion of -- -- of your retirement cash -- so any -- -- 800 when he -- one we're having events at the Tuscan -- we're having events -- the Babson college and we're having events -- several different venues in the -- three months we're absolutely -- right now for that reason we're open on Saturdays and opening opening -- we have a new office in -- it's -- we will make room for you will make room for -- 888800. When he didn't -- we just opened the office it's -- Schedules packed we're adding more and more staff to new and we have to train people we have to do running and we will fit you in any any any 800. When he hit one hit another look at what you're doing before you make a mistake or before you do something that's irreversible. Sit down with our standup yourself can't knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. When he hit one we're going to have. Crunches and we're going to have dinners at the new married -- -- to support the Newton office which is off the charts has two kids once I sold 888800. When he didn't want to know that get a copy of senior safe money strategies and get a copy of the workbook 888800. When he went take the national senior retirement test which I developed 888800. When he didn't want to find out where you stand when you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up any any any 800 when he hit one find out what the expense expenses are inside a few portfolio and your investments before when Kennedy your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country when it went and find out if you still want to continue to give a warning that point five. 11 and a half two and a half four and a half percent every month or you want to put that in your pocket or not given out at all. Eight and 8800. Wanted to he wants it wind thus there's no fee for a consultation initially you'll never be billed for sitting with us and for your initial consultation. We're going to create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you and we'll show -- that -- of your investments and sounds like a -- term but it's really the strength of your management we're ensuring that data of your entire portfolio. All mapped out which is how much volatility you have in comparison to the market -- showing the expense ratios -- what you have find -- you're actually spending on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are -- all lace corset with us at Babson college and they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based -- successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We will commute there and we welcome to a new office in new and don't be shy command leadership cans kind of what we can do for you paid any 18100 point game one season. There are homes. Burgers and it's. These. We're cursed and oh. Gee is there. Someone here do you forever or someone you care. That golf that the big game. Brad if they do these days and that came up the mother back. Whatever flag they don't flag you dog and and get a instantly go is it was me and being yourself together. So who really related thing so big that came up buying dollar we Bob. I never before has that got to chosen a bad. It's enough facilities of involvement that. And per person. She's the someone here do you forever. Someone you care. It gave you couldn't. Not only. What the word. But they've mopped the hi my. It is now find a way of that things. We is that those are probably. Better than yours but made it look like wall and the disappointment. Work well the relation of all that promoted it in every visit and how it's bad. With him by the eleventh hour when you have always looked forward looking good in the model. The word. What we can debate the game. We're person. She's the someone here you are forever. Someone's hair. Once before. There's bad or love about the Indian continent. And led group missed it it is over toward north sending out I have seen. It is in our nation so old Opel the plight of do it. Those feet mankind. Peace. It gave me a call girl. Doing Walton gave what we would all these two. We that he has fine. Of the whole thing but today about it. We can visit. All gone but that it barely above where it can anybody where. Someone here you heard. Someone you care. You own a personal loan and Jesus. I'm sort of always. It is but they might imagine but phonetic. Who brought it has overall policy of that population. How what the word go who you see in a game all you'll start. Cool and so easily as currently. That we can. You're broadly throughout the week. The wave is felt here. Or whatnot but people of the all. Is without power which he's you'll. May god and they update it but I do what you do and you can quit. Someone here you are forever it's someone you care. Home. Personal loan. Jesus. This is the bill Kelly joke there's nothing ever false about hope. Keep your family fortune in the family. Call 188881981. Now and speak to bill Kelly. Everybody has been on a path its goal line. Where you've -- is probably in a place -- sacrifice and going without -- -- -- to invest and save for retirement at the same time helping others that's where you've been an issue of travel through life just like you've reached -- point which is -- now this moment yesterday is history tomorrow is -- ministry of -- -- tomorrow can be a projected calculated and actually maybe -- -- more of -- certainty if you have the proper information and you have the proper tools so any any any any country -- he -- -- with -- tell -- it's important for -- -- -- cash -- becomes the most important thing to you when you retire especially if you're depending on your investments to -- -- significant portion of the -- -- your retirement cash -- so any -- -- 800 -- -- -- when we're -- events at the Tuscan kitchen grabbing events and the Babson college and we're -- events -- several different venues in the -- three months we -- absolutely -- right now for that reason -- open on -- chemical -- opening -- we have a new office in -- it's -- we will make room for you -- make room for -- any -- -- 800 when he didn't -- we just -- the office it's -- Schedules packed we're adding more and more staff to new and we have to train people we have to do growing and we will fit you in any any any 800. When he hit one get another look at what you're doing before you make a mistake where before you do something that's irreversible. Sit down with our standup yourself -- knowledge visit with us at the Tuscan kitchen and Burlington or perhaps in college near Newton 888800. When he hit one we're going to have branches and we're going to have dinners at the new Marriott now to support the Newton office which is off the charts institute's roots I saw 888800. Point eight anyone you know that get a copy of senior safe money strategies and get a copy of the workbook 888800. When he didn't want take the national senior retirement test which I developed any any any 800. When he won't find out where you stand. When you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up any any any 800 when he hit one find out what the expenses the expenses are inside a few portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country wanted to warn and find out if you still want to continue to give away at that point 511. And a half two and a half four and a half percent every month or you want to put that in your pocket. We're not given out at all any any any 800 wanted to he wants it wind thus there's no fee for a consultation initially you'll never be billed for sitting with us and for your initial consultation. We're going to create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Keep your family fortune in the family she what you had to use what you want and pass along what's left. Are there trillions of dollars in hiring and individual retirement accounts are going to be too much for Uncle Sam to overlook. As you've done tactical planning to strategically guard your restaurants acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from April trade in protected from creditors and Peter lowers new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment for a consulting sessions and have all of your questions answered that's 88881881. Keep what you have. Use what you want and pass along what's left. Okay and you signify to the people. Thank you are listening. And. I. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly called killer triple A 81881. Or locally at 78184939. Feet. Stay informed. Are you getting hey these are behind me. Bundle to any investing relationship. One here's the ability of your professional and another is availability. There's attitude and action and accountability. And bill Kelly you're safe money strategies. Call 881880. Wanted to speak to bill. What matters to build Kelly is usually we think you're giving them straight days. Senior safe money strategies. For calling 81881. Call today. Yes spotlight to a turn your backs in conference thanks very much. And so and so. Tripoli 81881. Call today. We would like to come to cafe at scan drought that. And the tension there and that would be wonderful thank you I'm back. Tripoli 81881. Call today. I was just listening to your radio show and I. I would like to attend the Tuscan kitchen. Presentation. So if you could make the reservations for me and let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you. Tripoli 81881. Called today. Good morning and Sunday Garrick exec the vice president tally financial services folks. Ordered investments. We encourage you other listeners to seek an explore all are there options options before they meet their retirements final decisions call 888818. He 21 voter locally at seven E'Twaun. 849. 09 TO thing Q. And have a great day column 88881882. Lawn motor locally at 781849. 090. To sketch and a complimentary appointment with myself Misha daycare and my authority offices sit with me and received innings camp's rejection as well as a full analysis of all your investments we encourage our listeners to seek an explore all their options before they make their retirement final decisions call 8888188. To one or locally at seven E'Twaun 849 DC on nine CO pink hue and have a great day. Tripoli 81881. Call today. For the book on. The retirement strategies today thank you. Tripoli 81881. Call two days. Did let into the radio show over and over little feedback on anywhere note card because I am interested in learning. You know maybe having you guys you complementary review and I am also of interest to them but the material that movements and thank you and have a great that we can buy. Tripoli 81881. Call today. And to Condit country every day and I'm sure you each had let get spot and I love it. So on Saturday morning I heard a big event on the tour I would love to attend not just one ticket agent and and me and I want to thank you Bob well. And animation you sent me and I love Billy Burke that we can't and god bless our bank. Tripoli 81881. Call today. I would. And piety wealth preservation risk management seminars to Babson. I would like to attend a brunch. And took you can email me more information about it to the both of us. Would like to attend the branch thank you. Tripoli 81881. Call today. Yeah funny extracting. Wealth transfer thing you're safe money strategies. Living trust seniors think money strapped Medicaid crisis planning your stay on track. Portfolio income projections. Your money strapped. Call bill Kelly 888800. The 1981. Or locally at 7818493090. Okay. Yeah yeah. Okay. Coming. Yeah. Completely it's hard. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly call mile triple A 81881. Or locally at 78184939. Feet. Stay informed. Once again call us at 88881881. For a detailed complementary portfolio review and announces say you can rest assured your investments are working the best they can for you know. Senior safe money strategies Tripoli 81881. Call today yeah. Indeed 8800 when he hit one we're having events at the Tuscan kitchen we're having events and events in college and we're having events at several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays chemical opening late we have a new office in Newton it's packed we will make room for you we'll make room for everyone 888800. When he didn't want we just opened the office it's packed schedules packed we're adding I'm more and more staff to Newton but we have to train people we have to do growing and we will fit you win a pain paying 800. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Eight and 8800. Wanted to leave once it was thus there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you then we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market and we're going to show you the expense ratios and what you have find out what you're actually spending on fees right now you have investments that are loaded any any any any country when he wants it with us in Burlington Braintree more than newest office -- -- visit with us at the Tuscan kitchen for dinner or -- those those are packed always motion with us at Babson college and they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there. And we welcome to a new offices new don't be shy c'mon in me just shake hands kind of what we can do for you paid paid a 300 point 81 season. T fewer family fortune in the family she what you had to use what you want and pass along what's left. Are they trillions of dollars and IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard your assets acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from creditors and interloper is. New legislation is here now do not delay take decisive action to keep your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment or consulting session and have all of your questions answered that's 88881881. Keep what you had to use what you want. And pass along what's left. That's good he. Thank you hurl. He's here. We. She looked down. And the bond yeah. It me. So with all the hullabaloo about the Saint Patrick's Day parade I guess that's over by the time you hear this show. With the green face paint and then the channeling their on the curb vomiting those are those enough to realize socialist with a real Irish we can't throw open the term at the synthetics that provision we don't we nights might stumble would leave a little bit so I have a great one today to join the parade and we'll be right back. Good. Thank you lose. OK okay. Yeah. She loved. And into yeah. Senior safe money strategies Tripoli 800 in 1981. Call today. Yes spotlight to a certain that some conference thank you very much. And so and so. Tripoli 81881. Call today. We would like to come to cap it at Skid Row that. And launchers parent that would be 10 thank you about tripling its 81881. Call today. I was just listening to your radio show and I. I would like to attend the Tuscan kitchen. Presentation. So if you could make a reservation for me in let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you. Tripoli 81881. Call today. I really. And piety wealth preservation risk management seminars to Babson. I would like to attend a brunch. Events that you can email me more information about it the bulk of that would like to attend the brunch thank you. Tripoli 81881. Call today. To go and keep what you have. You just what you want to and pass along what's left. Are you aggressively working to keep would you happen pass along something to those near and dear to you. What type of look back isn't sort of replaced their recent five year look back and replace the original three you're looking back. Are you worried about the new tax loss. Well above potential means testing for Social Security Medicare and Medicaid and call 18888801981. Now and speak to build Kelly yeah get bills courtroom schedule review. Make an appointment or have a consulting sessions to answer all of your questions today. There's 888800. 1881. And yeah. Yeah. The. I think the United States is the greatest place in the world to invest. We have some changes and doing anything bad apples and we know. For those of you want to protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial anything he gave 800 wanted to wanted to ask for a free copy of the changing face of retirement investing it's an amazing publication. In it you learn what has happened since the boomers first started their journey on earth and the unique place you might be today if you're over fifty and trying to figure out what path to take. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Schedules packed we're adding more and more staff to Newton but we have to train people we have to do running and we will fit you win 888800. When he hit one get another look at what you're doing before you make a mistake where before you do something that's irreversible. Sit down with our standup yourself kit knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton. 888800. When he hit one we're going to have. Crunches and we're going to have dinners at the new married gotten out to support the Newton office which is off the charts mr. kids what's iso 88880181. You know that get a copy of senior safe money strategies and get a copy of the workbook they need any. 80181. Take the national senior retirement test which I developed any pay 8800. When he -- find out where you stand when you finished the test you know we understand it's a very it's a test that won't cause you to think about what you're actually doing and how you might stack up any any any 800 when he hit one find out what the expense expenses are inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investments you have the funds need any any any country when it went and find out if you still want to continue to give away at that point 511. And a half two and a half four and a half percent every month or you won't put that in your pocket or not give it out at all. Eight and 8800. Wanted to he wants it will thus there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you then we'll show you that -- of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the danger of the entire portfolio all mapped out which is how much volatility you have in comparison to the market chemically showing the expense ratios and what you have find what you're actually spending unfreeze right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are packed all lace corset with us at bats in college but they've welcomed us with open not just a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there and we welcome to a new offices new don't be shy command leadership cans kind of what we can do for you paid paid 1810181. Season. Tripling 81881. Call today. Tripoli 81881. Call today. True calling 818181. Called today. We have hundreds of retirements and we managed first individuals and some companies and I'll tell you what it's a lot of responsibility it's a person's life so first for someone to tell me what I'm doing has to be in your best interest which it already is anyway in my in my humble opinion but we have to formalize that I think it's a great idea if someone says steel -- to you when you listen to the show it's a good idea I promise you that but trumped elated I don't know why maybe he wants to make sure there's not something in there that's you know under applicable it could be harmful to their clients can be harmful to the industry but that's what's happened that's what's happened I don't think that's good but I think cautions OK it's going to be in effect for along time once it's in effect so maybe take in taking on a 180 to a six month break find out what's in the deal loyalty. Haven't played a role so they can perhaps determine what actually needs to happen but as far as I'm concerned it's been something we've been preparing for from two years and we've actually had to do different strategies with our corporate formation in order to do certain things which anyway the people who called me about us aren't as soon as I said no I'm an interest in changing and I want and they were just it was like I. Small block the phones hung up known for column you can be decided first of all I want things to be harder more difficult for my competitors so if there's a lot more hoops to jump through are a lot more hurdles to overcome them I'm all for it because I whatever makes my competitors or Carter points out the weaker ones and they followed by the wayside. More power to me right so -- like -- like more stringent terms -- like more supervision things like that and secondly I think it's good -- it's -- for the public I mean you -- retire once you can get a home -- you can get a car -- you can -- a student -- but you can't -- the retirement -- there's no such -- -- as they're -- because everyone thinks you're gonna pass away very -- a lot sooner than when you're eighteen you compile -- 150000. To fund an overpriced college education so if you hear the term -- -- Department of -- they don't want people fooling around with -- -- parents -- -- I don't I think it's a great idea if you hear that and -- I -- you're saying well we don't want more government regulation -- -- we -- to broadcast from Massachusetts it's a good environment I think for investors -- an expert but we haven't -- is sitting there is an SEC office right here and then -- -- the State's securities division and then we have the insurance commissioner the insurance to mr. his pledge to you to protect -- -- one of their -- that's -- the insurance commissioner's offices for the -- securities division is -- to watch out for you among other things and to regulate securities in the state the commonwealth and these seem to be very well -- offices of the insurance commissioner has their hands -- it's it's like the world -- out there. Discover five keyword bundles your retirement years. The first is time the second is trust. Texas is a keyword technology has impact terrorism as the worst tee ward of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies call 88881881. Saint street to build what matters to bill Kelly he's cute. That's terrific. This is Daniel Christensen for Kelly financial services. On to spend some time today talking about the importance of long term care planning. I understand that this isn't something that's extremely pleasant to talk about in no one enjoys talking about a scenario in which they may not be able to live as freely as they are today. But the biggest is sixty you can make is to not plan for long term care. It's affecting more and more seniors every day in 70% of people that turn 65 this year we use some sort of long term care and lifetime. The average extent of this care varies but on average stands around three point seven years for women in 2.2 years from and I understand some people out there thinking themselves and feel great in my doctor says and no major health concerns. But the biggest risk for seniors isn't disease or sickness. It's falling. According to recent study this year alone one in three elderly Americans will fall. He currently foes are leading cause fatal and nonfatal injuries for the American seniors. Falls are sudden and unexpected accident they can change the course of your life in zero your current retirement playing completely. Most of the time a simple slip on the ice or follow on the kitchen in the to a stream medical bills totaling in the thousands. As of last year the average base costs for an assisted living facility in Massachusetts was around 4000 dollars per month mr. Kerr retirement plan have the flexibility and strength. To support expenses like that. Hey Kelly financial we're here to work with few in the since your goals and objectives so that we can create a wholesome retirement plan that protects your assets. While providing a steady in sufficient income stream at the same time there are many different strategies that we use to ensure that we can deliver long term care protection to our clients. And an affordable rate. The rate that would be significantly cheaper than paying out of pocket for the care. Encourage everyone to come into one of our three offices. Braintree Burlington and our lovely new office in new in Riverside center. We're 101 of our dinners and branches in the Greater Boston and New Hampshire area so you can say with us and talk about long term care plan you've worked your whole life to save up for retirement. Playing now so the can enjoy your retirement. In pass along with you have left to those that you love. If Kelly financial collar EDD. 80181. Or locally at 71. 8493090. Schedule a sit down with one of our retirement specialists don't wait. Be proactive plan for the future and remember 70% of people that turn 65 this year we use some sort of long term care in their lifetime. Give yourself the financial stability to get the best care possible. And protect the assets you worked your whole life for so you can passes along to those that you love. Give Kelly financial call it ED DE 800. 181. Or locally at 7818493090. Thank you. Senior safe money strategies Tripoli 81881. Call today. Yes spotlight to attend that conference thank you very much of that and so and so. Tripoli 81881. Call two days. We would like to come to cap it at Scutaro. That luncheon there and that would be wonderful thank you I'm buying. Tripoli 81881. Call today. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. So if you could make solicitation for me and let me know I would appreciate that thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you but I. Tripoli 800 in 1981. Call today. I barely. And piety wealth preservation risk management seminars that apps and I would like to attend a brunch. And took you can email me more information about it to the both of us. Would like to attend the brunch thank you. Tripoli 81881. Call today. Seniors saint funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors think money strapped. Medicaid crisis planning seat near saint under stress. Portfolio income projections seniors money strapped. Call bill Kelly 888800. In 1981. Or locally at 7818493090. My name is Brandon Patrick and I vice president with telling financial services and today I'll be talking to about the Everest affect the Everest affected is the idea that we really climbing Mount Everest to retirement so the big question here is what happens after you reached the peak of the mountain so when you think about climbing Mount Everest do you think about being at the top of the mountain 29000. Feet up with their arms in the air saying a youth climbed mountain efforts at the same time you are now 29000 feet up and you have to navigate your way back down the -- so many think about retirement he think about that day where you have saved all of your life. You say prudently. Intelligently. And at the same time your getting ready to retire and they're new phase of your life you have to have a plan of attack and you have to know what is best for you at that time. So you have to work your way back down the retirement mountain you have to work with somebody that you trust and you have to work with someone who's been down that mound before that is where we come in we think of ourselves Sezer Sharpless we help you navigate through different courses different phases of retirement of the biggest thing that we see is having a singular focus on just getting to retirement can expose you to different risk throughout retirement. We've come across a few big mistakes. The one who is focusing on returns in need to have realistic goals that meet your personal and I focus on the word personal. Colds because you need to realize you're it's not a one cookie cutter thing whenever you're looking forward needs to be detail TU that is what Charlie financial services focuses in to have your money working for you you need to have an estate plan and you need to have transfers some of the big expenses they humane care throughout retirement please give us a call at 888801881. We'd love to have you come in sit down who give you full now -- of your portfolio to a different ideas for you to navigate down the mountain after retirement thank you. And again my name is Brandon got pretty please command have a free consultation. Will give you an announces of their portfolio. And any time give us a call. 888801881. Thank you. Tripoli 81881. Call today. Tripoli 81881. Call today. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Senior safe money strategies Tripoli 800 in 1981. Call today. Alone. This is Lou and Strauss of killer financial services. A primary concern of many of our clients the Social Security retirement benefits there have been some recent changes in Social Security news very important to be well aware of these changes. In order to maximize your benefit. The biggest concern that our clients have is in regards to taxation of the benefits. Depending on the current income levels up to 85% of Social Security benefits can be subject to taxes. Currently individual filers making over 34000. In joint filers making over 44000. Will be subject to the next tax on benefits if you were seeing government pension but previously paid into Social Security. You'll receive a reduced benefit due to your pension benefit this reduction can also affect your spouse if he or she is taking the spousal benefit. The windfall elimination provision. And government pension offs of the two most are in recent changes the windfall elimination provision reduces your personal benefit but whenever and eliminate your entire planet depending on the number of years you have paid into Social Security. And if you had substantial earnings during those years you may be able to get around this provision to government pension offset it is an officer on the spousal benefit. Social Security reduces your spousal benefit. By two thirds of your pension payout two thirds of your pension payout is greater than Social Security spousal benefit you were not receive any benefits from Social Security. Determining when to elect to receive your benefits is also very important thing to consider. Currently full retirement age is 66 or 67 depending on the individual early she can start collecting. 62 but you receive a reduced benefit. Likewise the long you wait to collect the higher than benefit will be this is called deferred retirement credits that being said every individual should apply for Medicare. If with a star 65 birthday. This does not mean you have to start collecting retirement benefits at that time Gary Kelly financial services we can help guide you in making the right decision. A when mr. receiving your benefits in how to maximize your Social Security benefits. Scheduled appointment to sit down with me in to review your Social Security benefits you can call us at one. 88880181. Or call locally at 7818493090. For those of you who. I'm wondering about retirement the projection projections of your retirement investments then you cash flow don't give us a caller Kelly financial. Any any any 800 when he didn't wanna ask for a free copy of the changing face of retirement investing it's an amazing publication. In it you learn what has happened since the boomers first started their journey on earth and the unique place she might be today if you're over fifty and trying to figure out what path to take on your retirement turning everybody has been on a path its goal line. Where you've -- is probably in a place called sacrifice and going without you know and to invest and save for retirement at the same time helping others may become more of a certainty if you have the proper information you have the proper tools so any any any any country when he wants it with us I tell you it's important for you to know cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to make opposite significant portion of the -- -- your retirement cash -- so any any -- 800 when he hit one we're having events at the Tuscan -- we're having events at Babson college and we're having events and several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays -- we're -- opening -- we have a new office in -- it's -- we will make room for you will make room for everyone 888800. When he didn't want any any -- 30181. Season. Tripoli 81881. Call today. Well it's a great day in Boston for the Irish paper rained and I think it's whether it's been good this officially. We're able to have spring now officially because soon after extends over. The celebrations are winding down the breakfasts me. Corbin from Cameron's dinners everything and it takes to be Irish and one day. And be careful out there there's a lot of amateurs so. Pay attention on the roads but it's been a great tune winter some springs on its way. We've got about four more days. Of winter and before you know it you'll be at the beach everything will be great so. Spring is a time of hope. And such time we can look forward to maybe do some great things with family friends. Getting ready for summer vacation. And spin and it's been a long winter. Long winter for me I'm sure. It's been the same for you. It's it was a lot of snow and some bitter cold but just want the crow Chris will be. Popping up centers around the corner. Saint Patrick still these sort of in the rear view mirror. And things are going to be better and great spring. Wonderful summer. So appreciate you being here all through this in the first quarter of the year which is winding down the first quarter think about it. Appreciate you being with me. And I appreciate you listening and hosts her it's not always easy is it that we ought to make it interesting. And you never know what's gonna happen on the show or. And in our lives either so. Family's everything and you are. People out there are no U I know thousands and thousands of humor and you. And you the most incredible people on the face of the planet so. Thank you for listening thank you for supporting me Kelly financial my businesses. My family my goals and everything my dreams. They've all come through they've all come true through you. And of course I'm. And I appreciate that we'll see you next week on parts. OK and you listening device to the people trickling 81881. Call today. That's good. Thank you lose. He's here. Yeah. She looked down. And have gone yeah. It's okay. And. And listening. Yeah.
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