Senior Safe Money Strategies With Bill Kelly 7/1/17

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Saturday, July 1st
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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 pays yeah there were five bogeys vital to any investing relationship. One he has the ability of your professional and another is availability. There's attitude action. And accountability. And listened to bill Kelly's senior safe money strategies or call 888818. He wanted to speak to bill. What matters to build Kelly is yeah we think you'll give him straight days. Very good ladies and gentlemen many people are on pleasantly surprised in the retirement. About how much they have to share with the tax man who attacks person if you have 500000. To five million dollars or more. You want to protected try to preserve it tries to pass it on and grow it. How would you rate your knowledge about retirement planning ladies and gentlemen if you are in a regular listener to the show I would hope you can rate yourself highly. Yet it's distressing to record that any recent retirement income literacy survey. Completed this past summer for the American college of financial services americans'. Retirement know how rates and half. As was the title of a CNBC report this week about the previous mentioned study. And Morris financial literacy is continuing to decline at the same time we've got the largest number. Of people ever to boomers entering retirement every day. I can't guarantee of degraded at period and if you took the survey but you certainly want to and half. After you read all ten of my reports several mentioned already on today's show. Senior safe money strategies to changing face of retirement total wealth transfer and the stock market heart attack are some of those reports they need any. 800 wanted to you want if you want to raise your financial literacy mark it's probably getting a copy of the bestselling book this show. Is named for senior safe money strategies in the changing face of retirement along with total wealth transfer those three publications alone are enough. For you to curl up with four day weekend and when you're done you've built to take action Monday with few publications. In hand. New knowledge and knowing what to do you can test your knowledge after you read the senior safe money strategies and the changing face of retirement test your knowledge with my senior retirement test kit and risk tolerance kind of finality stint she'd be well advised to make sure your financial literacy is the best it can be and my book and reports might just do that for you information it's precious ladies and gentlemen it's invaluable or call 888800. Wanted to anyone remember what chi chi Rodriguez said when a man retires his wife gets twice the husband and half the income we don't want that we don't want that itself. Visit with a us at our high net worth. Bunches lunches and dinners. Workshops coming up next month. Don't miss out there filling up already we just put the word out yesterday. So 888801. Dated once sit with us and our workshops if you have 500000. To five million dollars or more. You want to protected try to preserve it tries to pass it on and grow it to the maximum maximum extent allowed. To you you might want to come to one of these branches. Lunches or dinners next month 888800. Wanted to you wonder filling up fast it's a roll up your sleeves event ladies and gentlemen. We've hosted almost 500 people at the Marriott Burlington for our appreciation event these are working events ladies and gentlemen now for serious minded people for those of you are no out there our clients our prospects people commend people get the publications they're serious you're serious unknown and that's OK we are 2888800. Wanna be going to the publications sit with us for brunch to the national senior retirement test and the risk tolerance test will complete the grade them for you when you get them back you know where you stand with that said ladies and gentlemen we'll be right back. Seniors saying funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors save money scrapped its Medicaid crisis planning seniors save money strapped. Portfolio income projections seniors save money strapped. Call built Kelli at 88800. In 1981. Or locally at 7818493090. This is built Kelly when is the best time to plant a tree about twenty years ago when is the second best time how about today there's a Smart plan in retirement and then there's the wrong path when Jimmy riddled with mistakes and wanna safeguarded by tried and true experience follow these rules don't repeat the mistakes of others the ability to focus is a defining characteristic of success long term averages may have little to do with your future coming in with all of your retirement assets at this all time market top call 888801. If you want to the national senior retirement test in my safe money strategies workbook examiner asked for -- now famous stock market heart attack report 888800. Point 881 join me for dinner or brunch at the Tuscan kitchen both Burlington and Salem New Hampshire that's new or at the Babson College executive conference center at 888800. Point anyone get a total review of your entire retirement and estate plan today in Burlington Braintree in Newton sit with me 888801. Anymore and thank you. Okay. Telling them. Okay. We're gonna get. Leave the it's hard. It's. 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. It is any kid who made your listening to the best of the Bill Kennedy shot. You know yeah I don't even choose to do Krugman yeah yeah. Ladies and gentlemen this is Andrew crowd joining us from Kelly financial services he is senior vice president chief investment officer welcome to show Andrew crow. Yeah. It well tell you it's been quite a start to the uterus like Tony sixteen never happened tremendous gains at the end of the year very flat market up until then bonds in utilities were hit hard but I think there's some answers to be created out of them and I think you may announce some what are you thoughts into. What you see the market rises quickly at the dead from a bit after the election. Up until about mid December because splitting it. Doubt from. From December 13 until now on the market could fly so it could slot for the last couple weeks but very short period Tyler wrote very quickly. We felt pretty good breakdown of which area of market Roy drove that it was mostly financials got a little bit industrials so literally a broader market rally but there are a lot of opt out there what we're starting to see is a flattening. But the moving averages because that market trading. They hire are starting to move up it looks like its fifty day moving average would doubt that be roughly 90300. And moving closer to current levels that BS. Court level which could also my job market higher. The whereabouts are about. So if we see it crossing downward crossing the moving average downwind that's always a sign of concern for us you know when we do our planning our portfolio management but right now we're seeing good support levels beneath it. It's true and the market sentiment indicator still a hot so we did. Possible to see a little bit of a downturn may be one of the moving averages or space that a little bit averages come back up but it would take an extreme perk to drive it up back to the short term. Obviously Black Swan incidences and Andrew are hard to predict that's why they're so unusual and so on Barros the UB predictable but what do you see your hand for trump and when you see in form and the new folks coming in and will they actually thought at the center is that just a mess. Exactly right at the box on that three to predict that would give black on so I do you think there are a lot of optimism because there are a lot of uncertainty and port Shelley would trump. Uncertainty in this case be adopted it and debate look at Soviet past business successes and think it'll be able to implement that the United States can't. They've added a little probably reappoint a different person and it jedi I'll Lombardi had trouble getting along or even was they. Prize now lack I. Think there and start to raise rates a little more rapidly obviously they pushed that off from that played fifty detail the most recent rate hike. I think that'll probably start to continue. We did a lot of research on what levels of interest rates are going to be detrimental Bill Gross who sank two point six. Tiger treasure outlet to Jeff got locked bank report now there's obviously some differential but there's so room her movement and I think. Rising trade Byron also signaled a that it goes the market's strong enough to handle that. I don't see a scarcity of cash which would drive interest rates up there's plenty of cash because they're printing it daily down there in the treasury so obviously I interest rates go up when there's a scarcity of trash or they want to bring funds back came from the marketing to the banks so I think inflation. Is going to be a real problem even though it's going to be treated I think they created artificial inflation in the oil because they knew that the levels of pricing. We're gonna force only people out of business and that was with the most corporate defaults were last year in the oil exploration self inflation could be in the in labor sector though because we have very few people. Or are employable right now and want employment some employers are gonna have to change them what are your thoughts about that. I do agree a lot of policies that he seems to be so it could cause speculation that we see a large about it. Inflation that could justify higher interest rates or make higher interest rates a little easier to swallow but yet now. I do agree with you it is our possibility they increased speculation the possibility of the last thing in the workforce that we charge more more more jobs obviously. The supply job decreases were. The auto workers take the second. That's right southern have a better time of that we can listen employers' market for many years here since probably 07 until O 2016 so now employees are gonna have their time at bat but you can you be speaking at Babson College next week on January 19 correct. And what do you think you'll be talking about for the folks and attendees at the event. We're talking about liberal economic outlook currently talking about a little bit of investment terminology used up its quota lot of the news and I talked about a critic over a lot of things and that is the other speakers that are we talking about topics of interest economic various strategies ever. And Andrew what he's seeing and hearing now with these folks are coming to see you to get to know you. People becoming a little more cultural stalks more because of the optimism they Lester gets the fundamental Fokker the people of a lot of culprits trump. And it neutral administration knew trumped economy. As of the or calling itself I think it ought copper adopt their overcoming a little more cultural stocks today it may have been just a few months back. It's amazing it's like it never happens only think back 2009. And the bubble bursting but when do we appreciate you being on hand folks can physically Andrew crowned at Braintree Burlington or Newton PAK 801 if you wanna thanks for taking time out of your weekend to speak with us Sandra. Thank you democratically. The books you. This is the best of the bill Kelley show. Senior safe money strategies Tripoli 81881. Called today yeah. Gil listening to the best of the bill Kelly shot. It's that thing. It's. From Johnson welcomed as soon. Yes Larry yeah. We've been pretty good I know you're very busy and don't Newton the new office in Newton is packed and I know you end to end there as well as soon doing some more controlling ten so ladies and gentlemen friends are few works with fixed investments and feminism. Graduate of saint Francis university in rural Pennsylvania. And an investment advisor representative and vice president and Kelly financial and that's a mouthful welcome Brandon. Thank you much trapped in the Serb. We have some new things happening we have the new investment policy statements for investors and numerous tolerance. To reflect the bull market how's it going with that new clients and the prospects. It's a trader's perspective so that when they look at it get an understanding what type of investments are out there because our goal is to find didn't ask and that's right. Pretty individual ever person's different so really define what meet their personal goals and that's the biggest thing that we stress really finding what is best. Or are you on a personal level and that's where it is great outline and everything. So you know exactly what type of investments you're in. Well we have several selections could you name some of the groupings that we have right now. We have a moderate portfolio we have. Some aggressive portfolio we have a very conservative portfolio up bond portfolio. They are all very. Have different investments in each but it really. All about finding one that's for you and typically. A lot of people on to the moderate to conservative profile because when he get closer to retirement it's about. Meeting your goals and managing our expectation. You don't want a lot of numbers in your portfolio. Parents are known to a great talkies spoke at Babson twice last week 888801. Anyone whoever wants to attend our next event will be a brunch or dinner and Brandon will be speaking about the Everest effect without giving it away printed could you let us know a little bit about the kind of just affect. The adverse affect everyone thinks about climbing the mountain don't even make it to the top but then you realize. 29000. Seat up and volatility down snowy cold mountain and have the plans that in. A lot like retirement where you reach your goals and then you aren't working anymore you have to protect yourself and they on the past. And most of the fatalities happen on which part of the climb into. After you reach the top people relax senator and they've accomplished they're goals but didn't they don't realize they have to make it back down. Very good and we're doing well in Burlington but Newton was kind of served huge surprise I don't wanna say I was shocked put the more than pleasantly surprised. Excellent individuals out there and really. Having now so that we can help that many people as possible. And there's a little difference and I think the Newton people seem to be very high net worth very thoughtful put jet. And they really want more information they wanna be informed and I think Quayle to give them that data and don't you. Oh absolutely it's all about educating. Our individuals are clients and making sure they get the best quality that they can. So maybe he gave me 201 into once it was Brandon or visit with us at one of our offense. That's the Newton mayor announced the Tuscan kitchen or Babson College. He gave me 801 anyone get a copy from book senior safe money strategies workbook. Look at over six investment profile statements investor profile statements find out where you fit and also find out if you're paying exorbitant fees wrapped in deer county you don't realize. It's very important doesn't take away your profits ladies and gentlemen. Imprint I hope you have a nice restful weekend and you've been busy all week and thanks for spending time with us on the show today. You to convince this is the best of the bill Kelly shot well. This man announced. Could that. Keep your family fortune in the family's Jeep which you have use what you want. And pass along what's left are the trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard bureau 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 to hinder loafers. 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. Very good ladies and gentlemen many people are on pleasantly surprised in retirement. About how much they have to share with the tax man who attacks person if you have 500000. To five million dollars or more. You want to protected try to preserve it tries to pass it on and grow it. How would you rate your knowledge about retirement planning ladies and gentlemen if you are in a regular listener traditional I would hope you drape yourself highly. Yet it's distressing to report that any recent retirement income literacy survey. Completed this past summer for the American college of financial services americans'. Retirement know how rights and half. As was the title of his CNBC report this week about the previous mentioned study. And Morris financial literacy is continuing to decline at the same time we've got the largest number. Of people ever to boomers entering retirement every day. I can't guarantee of degraded at period and if you took the survey but you certainly want to NF. After read all ten of my reports several mentioned already on today's show. Senior safe money strategies to changing face of retirement total wealth transfer and the stock market heart attack are some of those reports 888. 800 wanted to you want if you want to raise your financial literacy mark it's probably getting a copy of the bestselling book the show. Is named for seniors safe money strategies in the changing face of retirement along with total wealth transfer those three publications alone are enough for you to curl up with. For any weekend and when you're done you've built to take action Monday with your publications. In hand new knowledge and knowing what to do. You can test your knowledge after you read the senior safe money strategies and the changing face of retirement test your knowledge with my senior retirement test kit and risk tolerance got to find out where you stand she'd be well advised to make sure your financial literacy is the best it can be and my book and reports might just do that for you information it's precious ladies and gentlemen it's invaluable call 888800. Wanted to anyone remember what she's chi Rodriguez said when a man retires his wife gets twice the harassment and half the income we don't want that. We don't want that so. Visit with a us at our high net worth. Bunches lunches and dinners. Workshops coming up next month don't miss out there filling up already we just put the word out yesterday. So 888801. Dated one sit with us and our workshops if you have 500000. To five million dollars or more. You want to protected trying to preserve it tries to pass it on and grow it to the maximum maximum extent allowed to. To you you might wanna come to one of these punches. Lunches or dinners next month 888 the 800 wanted to you wonder filling up fast it's a roll up your sleeves event ladies and gentlemen. We toasted almost 500 people at the Marriott Burlington for our. Appreciation event these are working events ladies and gentlemen now for serious minded people for those of you I know out there our clients our prospects people commend people get the publications they're serious you're serious unknown and that's OK we are 2888800. Wanted to wanted the publications sit with us for brunch to the national senior retirement test and the risk tolerance tests will complete the grade them for you when you get them back you know where you stand with that said ladies and gentlemen we'll be right back. Took gold who keep what you have. Use 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. Want to thank both look back is in store or replaced their recent five year look back and replace the original three year look back. Are you worried about the new tax loss. How about potential means testing for Social Security Medicare and Medicaid and call 188881881. Now. And speak to build Kelly yeah. Get pills courtroom schedule review and make an appointment for have a consulting sessions to answer all of your questions today you can tell it's 888800. 1881. I think the United States is the greatest place in the world to invest we have some shakeups are doing it through bad apples and you just read it. Whitman. He'll listening to the best of the bill Kelly just. Ladies and gentlemen Greg Murray our vice president senior vice president and investment advisor representative from Kelly financial. Greg quite a week in the market that pool looks like it continues. It is looking very promising that it will continue to contribute. Means that they've been saying every week for the last couple weeks things work out looking good last year. Now we have the positive living in the market in this reflecting tightly knit cap because extremely happy. And is there any cautionary notes I mean some of the bondholders are feeling a little bit of pain but do you think there won't normalize and what are your thoughts for the remainder of the year. We're looking at possibly bond markets we can't not expect them to return the 8% at peak gave us. There are two appreciating the future sure fire it will two that there's no question about that. But are still to give us the stability that it would work at eight portfolio. Would that lead to expect more like 34%. To an annual basis. But having bought your portfolio. Does I'll accept the volatility of the equity. It will give us more stability. I noticed your forming investor up profiles and could you let us know what to different segments might be a different classes. What we're trying to do is trying to tailored to his portfolio that we're managing. Does your customers. At its strategy so we try to do that by investing either hug and a 100% bonds. Or mixture of both in conservative moderate growth capacity. So we're trying to get the portfolios. More tailored to work site needs. And risk profiles in addition to that how people feeling about risk right now. People hurt wanted to take more and that's always a concern because we need to have cautious optimism. Yes we feel very good about the way things are going right out yeah actually feel that the market will continue appreciating. But what happens does it what's to protect us from the outside. In battle need to be most careful about. Craig and any new wrinkles that you're seeing during these segments are sectors of the market any managers are here. Looking out or anything in let's say geographical regions. We still like domestic US equities. But it comes down to international securities right now we are still feel very comfortable with the we like to domestic markets we like broad based markets at this point. We feel very confident in the financial and the defense industries with our new president. I don't think it's a slam dunk for him no pun intended put. We'll see what happens I notice you have a high comfort level with high net worth individuals Greg could you explain that to me. Tightly to work with anybody use sit down at my desk you know happy to help whoever wants our existence whether they have ten dollars or ten billion dollars. We're happy to help and. Great we're getting a lot more folks who hold their own businesses and high net worth ultra high net worth and I think over the years we've been able to. Maybe sustainment with our own internal research which I think makes a lot more sense don't you Greg. Absolutely that means that we have the decision making ability. What we're purchasing you know everything about a company. Mutual fund that word besting it. But we exchanged. Information that changed based. What we feel is best for our clients. Very good Greg Lauren 888800. Wanted to go and you can here's Greg speak we had a great event and perhaps and pay pay pay 800 point anyone in Greg. I think he Newton office is taking off would do great. Site to make secede dread getting up there and battled back to back appointments old state law. Did you feel it. It's a great feeling and now what are your plans for skiing machine and Greg how what's the outlook annoying and it changed dramatically on Friday rice. This weekend is looking very promising after that those but that. You recently got. Then you're never skip any favorite spots and doing a great north let the folks know about. Killing ten and oak key vote open air for but very good sized. Very good though of course very good people. And he has a vehicle to do what you're driving lately current. Aren't cheap. So it doesn't really bother me that much. Critics of throwback guy ladies and gentlemen he's old school but he's cutting edge of the issue of zeal school in the Jeep. Seem to do it does that thing go up and down when you push a button or something. Note setting and get around and that meant that. That we had a there's that. While her journal lesion talents it was Greg Murray 888800. When he did Warner six investor profiles you might fit into one of those six. He might feel more comfortable knowing exactly who you are. For doing their risk tolerance test okay folks AP HP 200 sworn in once it was great to get a copy of our books or. This is with us from brunch or dinner thanks again for being ensure this week correct. It's. Plus. This is the best of the bill Kelly shot. Just over five keywords bundled for your retirement years the first is time. Second is trust Texas is a keyword technology has impact. Terrorism is the worst team ward of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies and call 88881881. And speak to build what matters to bill Kelly. Q that's terrific. Very good ladies and gentlemen many people are on pleasantly surprised in the retirement. About how much they have to share with the tax man who attacks person if you have 500000. To five million dollars or more. You want to protected try to preserve it tries to pass it on and grow it. How would you rate your knowledge about retirement planning ladies and gentlemen if you are any regular listener traditional I would hope you can rate yourself highly. Yet it's distressing to record that any recent retirement income literacy survey. Completed this past summer for the American college of financial services americans'. Retirement knowing how rates and half. As was the title of a CNBC report this week about the previous mentioned study. And worse financial literacy is continuing to decline at the same time we've got the largest. Number of people ever to boomers entering retirement every day. I can't guarantee of degraded at period and if you took the survey but you certainly want to and half. After you read all ten of I reports several mentioned already on today's show. Senior safe money strategies to changing face of retirement total wealth transfer and the stock market heart attack are some of those reports 888. 800 wanted to you want if you want to raise your financial literacy mark it's probably getting a copy of the bestselling book the show. Is named for seniors safe money strategies. In the changing face of retirement along with total wealth transfer those three publications alone are enough for you to curl up with. For a weekend and when you're done you'll be able to take action Monday with your publications. In hand new knowledge and knowing what to do. You can test your knowledge after you read the senior safe money strategies and the changing face of retirement test your knowledge with my senior retirement test kit and risk tolerance kind of find out where you stand she'd be well advised to make sure your financial literacy is the best it can be and my book and reports might just do that for you information it's precious ladies and gentlemen it's invaluable to call 888800. Wanted to anyone remember what she's chi Rodriguez said when a man retires his wife gets twice adjustment and half the income we don't want that. We don't want that itself. Visit with us at our high net worth. Bunches lunches and dinners. Workshops coming up next month don't miss out there filling up already we just put the word out yesterday. So 888801. Dated once it was us and our workshops if you have 500000. To five million dollars or more. You want to protected try to preserve it tries to pass it on and grow it to the maximum maximum extent allowed to. To you you might wanna come to one of these branches. Lunches or dinners. Next month 888800. Wanted to you wonder filling up fast it's a roll up your sleeves event ladies and gentlemen. We've posted almost 500 people at the Marriott Burlington for our. Appreciation event these are working events ladies and gentlemen now for serious minded people for those of you I know out there our clients our prospects people commend people get the publications they're serious you're serious unknown and that's OK we are 2888800. Wanted to wanted to publications sit with us for brunch to the national senior retirement test and the risk tolerance test will complete the grade them for you. When you get them back you know where you stand with that said ladies and gentlemen will be right back. Senior same funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped Medicaid crisis planning senior same money strapped. Portfolio income projections. Eight years that money strapped. Call bill Kelley team leading 800 in 1981. Or locally at 7818493090. You'll listening to the best of the bill Kelly yes. He broke earners. They're saying. This road to. And we're here with ambassador Raymond Flynn a privilege always every week I go to school ladies and gentlemen and most good politicians turned slightly on their base after they're elected and they realized the election's over I'm going to more than middle now I don't need to be cultural right anymore. And while embrace them he should be making deals and Schumer and he could have muted Schumer. But you have to turn on your base lately Clinton was a master at that too you have to embrace a larger group of people who can you based built up solid for the mid terms. Princeton such as strictly it's a country from you know you represent everybody. It'll just represent your tweets include a great deal. What's this it's easy to get elected to run its. It got. Once we get elected. To serve all the people of the country and ask don't wanna come along that's fine. That's the judgment that's right as a character. But we happened to what is well country not just one of the people whom not just one party but for the country. That comes with experience. Fortunately we don't have that at this particular. No we need a little more polished and a little more dignity and a little less. Concede you know what diversity policy is a rough stone let's hope that happens ambassador flick. Talk doesn't have the blast mean so what they eat donuts is going to be net sites he not be given. Check tenant dirt chances you've got what she and he's gonna succeed on a audit partner come since it's going to be very very difficult they end. For him to make a comeback that actually need a strong president and it doesn't matter in the Republican or Democrat we need strong president. President has got to put people will be at this expert's. Not ideology. I don't wanna extend it too far here but President Reagan and everyone forgot that he did she feared for years and many almost every Rotary Club. In America had a visit from Ronald Reagan never one time or another before he was even in office she sent him. All over the country Jack Valenti get to Washington DC two years before Reagan and pave the way nobody really understands how that happened I'm aware of it. So things were upset emotion very very Smart people. To get that agendas together and he teamed up with. Believe it or not as you know you're well aware of on the inside look points in that poll. And the three of them took down communism. As well as brought the country back in a big way. Don't get their OK if you heard all normal walk just read all these statements are not that dusty is up to John call back. I'll read it. I talked to Bill Casey earned all my predecessor William Wilson straight talk I'll. Hours in college are about all the players move you heart condition once each in cheering of the nation. Which may. They trusted ending knew that I was shallow capped what collect Sheikh first and it talks except. Hatred just can't write about it. Can't talk about it. You can't make headlines about it. Just built about how your mind chalk it up to snappy experience. So you can make such decisions should get the best advice. The president of the United States now the president asked them to achieve you have to get your. I don't know I you ask in this particular case but I'd rather do you know that each year of the occult blood outrageous. Or state represent themselves Boston height of the boxing gear change I get all caught on. From the subtle ones are very passionate chairman of the Republican Party masters. It to me. You know we like we had Ali it'll struggled at you'd change on here it is an. Why don't read him. Actually I said I know Ronald written I don't know of course he caught a huge pressures what's he up to shoot he's got a bunch of governor Jeb well. Should at a structural. Terrorism because they're told the wall conservative heritage so I want but what this would like IE XT. A lot away and shut your Indians home. Like 21 excitement that I was nobody did he ask me this how we Elaine. The media how you'd dealing with all these orders Cutler actually. How we deal with public opinion going against. You may change net Kosher match professional home when everything is against you. And you know looks and all I mean you know people it would that we are stacked against. You know the people of Boston in the air Boston. Vs solve however. Two options ought to trinity. The governor did you know Ronald Reagan had that instinct took this to people built it all began this script I actually. Your instinct. In your loyalty it's politics professor Robert Kennedy school of government. That's what I would most. Frequently. Talk about in my class. Ron did a great class I would take that class and I did it and I get to attend every week so I'm pretty fortunate so thank you for being with us this week. Experts agree what you got these two. Best of friends and then mrs. Clinton's. He can this is the best of the bill Kelly shot. This is the bill Kelley show there's nothing ever false about hope. Keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly yeah. It's been a long time Masson and yes many many years first of all thank you to everyone who are making our business which is success and for helping us learn we learn from our coincidentally financial services and I've learned over the years I think it's my fifteenth year in Boston. And my 23 here in the business so it's great. There's plenty to learn still for all of us both you and I if you're behind in north individual if you own your own business if you're trying to transfer your wealth if you trying to protect your wealth these are all key points these are all places that might seem uncomfortable to you especially with the uncertainty right now we have a new president I'm somewhat pleased I'm somewhat. Skeptical of all politicians did Donald Trump the anyone. Because their motives to things seems seemed to change him what is the test going to be for Donald Trump I don't know do you and is he gonna pass the test because an entire nation and our lives depend upon it now as you can see a lot of things are happening its rapid pace and a lot of things are great. From these people agree with some things you don't agree with I can tell you right now and 50% of the people. Think that 100% of the people who voted for Donald Trump are crazy so. And there are certain of and that's the way it is every four years we changed opinions of who's who was insane and we've done themselves. We have to protect I think we have to protect what's precious to us and I think that it's our culture and for request to be ashamed about and I think it's I think it's it's wrong it's wrong I don't see any harm and anything that happened to me growing up and it was a kind of rough. Growing and we were exposed to a lot received over comment. We're being shredded into smaller and smaller groups trim it out and refining them. It's very difficult to say anything that is and hurtful to some segment of the population now and this year on the right side from the conservative side it's always fair atmosphere didn't do anything to you including being beaten and then with the metal pipe and nothing gets done about it. So it's free speech as long as you agree with some of these crazy people in the streets right now rioting. An issue flight back to probably get arrested and they walk away free weekly sit on my hands and do nothing so it's a strange time what bothers me about illegal immigration is not that we're helping some poor person to survive in a city like Boston and invited to live at the City Hall. We have homeless events in Boston could they come to the front of the line please is that possible. We've homeless African Americans can they come to the front of the line why are illegal immigrants and protected class war. How we missed the boat. What is the message that we're missing here I don't know do you analyze it okay who attacked Christians right now they're being beheaded in great numbers and the and as it happens we're asking for more and more than it Islamic refugees to come into the country tens of thousands we want. How is that happening and really in Boston youth. Will illegal immigration is the first violation of the law then you have to have someone in order to receive welfare benefits illegally. You BT currents is the second violation of the law it's fraud it's fraud you're paying for how does that feel and his opinion you're paying for -- do you like you don't I'm I don't care I'm going to tremendous living a very blessed I didn't always even when I didn't I was willing to share whatever I had from when it's forced upon him doesn't feel the same doesn't know so think about that really deepen your heart what does that mean buoyant removing these people who Beacon Hill. Warranty living near the brownstone on come on come off avenue we're having you know and why is it fair so the first violation as they enter the country illegally the second violation to somebody harbors them that's illegal the third violation is some type of fraud to obtain a Social Security numbers the next violation his tax evasion the pay cash to these people. And for some reason people who owned restaurants and work in restaurants think it's fantastic. It's suppresses wages for everyone so often doing lots of them went minimum wage of fifteen dollars all the people that are out there parading around for that are you paying the illegals fifteen dollars an hour are you paying them on the payroll if you supporting that you're not. So you're being dishonest and you and it's a dishonest net some mash and it grows so we have tax division we have welfare fraud we have the illegal entry and we have Social Security number somebody was talking to one of them entertainment TV and they should really just. How did you do Social Security now recently bought one but we don't know how does that work for you would you get a fake Social Security number would you mind to a government official. About your income would you doing those things if you're like most listeners to this show the answers no you would never do that but for some reason if you don't look the other way with someone else doesn't do something wrong with you do you feel like there's something wrong with you if you just want people follow along and really think about that which is why do we want do we not have the basic Tenet of our constitution and the formation of our nation which is to protect the populists to protect the borders of our nation it's written for some reason if you wanna do that there's something wrong with you if for some reason the if you want to see a baby's life at 24 weeks and you do anything to do that than your proclaim that their living human being then you're absolutely insane how does that feel when people tell you that don't believe your lying eyes believe what they tell you there's been a long slog since the fifty's it's Leave It to Beaver is gone. We're in some kind of horror movie if you read the cost no report first of all you can't read it you get about three pages and he'll be sick to your stomach what was going on in Philadelphia and you've never heard about it have you it was never convert it's impossible to cover it because it would make people sick so that's where we are. We're at a crossroads if you want to protect the borders if you wanna protect human life if you wanna little BB units birthday live rather than be slaughtered in the something wrong with you if you wanna pray that Christ and god than your some kind of been not right wing even though the folks who came over on the mayflower came here for religious freedom even though the country was founded based on a Christian values and Christian teachings we're being told that's wrong now we're being told I can't recognize the number of groups that are now of people. Lifestyles things we need to support things we need to do things we can't say things we can't say how do you feel about that it's pretty sad state of affairs is an it is it is and somebody's doing something about it I think the president's very crude ma'am I'm shocked. This is the way he built buildings I don't know how we -- from don't want but we're looking at the inside of this person's mind to these Twitter feeds and things it's it's like it and wrestling wrong or something. So we're we have to hope that there's some kind of you know it's a white knuckle grip right now for all of us so if he's gonna if he makes him if he blunders we all. Blunder almost lost so I have often had bravado in my life and I almost 100% of the time I have just like I've been slapped down and I have a deal with Ghana when I have it he slaps me. On the side of the head and might not recognize it at first but eventually I do and I need to stop thinking do I need to do stay the course say your prayers that's what I'm telling you right now. Don't give. We have to pray for our president and praise from people in our government our authorities that they see the light here we can get back to basics and don't don't get warrant. But it is it time for concern about where we're handing us a nation. Seniors seem funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped Medicaid crisis planning senior safe on extract. Portfolio income projections seniors. Money strapped. Call bill coming into 88800. In 1981. Or locally at 78184. Non 3090. Okay. Well I can. Telling them. Okay. And honestly. It's. Week it's hard. Maybe it. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly call nearly triple A 81881. Or locally at 78184939. Feet. Stay informed. Senior safe money strategies Tripoli 81881. Call today yeah. This is still account for those of you and 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 NET 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 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 been is probably in a place called sacrifice and going without you know or 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. This history tomorrow's a ministry -- look tomorrow can be a projected calculated and actually maybe I -- more of a certainty if you have the proper information and you have the proper tools so any any any any country what 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 human but your retirement cash flow so any any -- 800 when he hit one we're having events at the Tuscan -- we're having events -- 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 chemical thing opening -- we have a new office in Newton it's packed we will make room for you we'll make room for everyone any any -- 800. When he didn't want we just open 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 win a pain pain 800. When he -- one get another look at what you're doing before you make a mistake where before you do something that's the year reversible sit down with a standup yourself kept knowledge visit with us at the Tuscan kitchen in 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 -- not known to -- the Newton office which is off the charts as the kids were excited salt any anything any 80181. Afternoon that get a copy of senior safe money strategies and get a copy of the workbook they paid 8801. You want take the national senior retirement test which I developed any any any 800. When he went 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 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 any any any country wanted to warn and fine and 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 wanna put that in your pocket or not give it out at all. Any any any 800 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 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 Newton visit with us at the Tuscan kitchen for dinner are throwing stones so those are packed always or sit with 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 account 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 and don't be shy kimono and meet a shake hands kind of what we can do for you paid me a few hundred winning game one season. Are you getting pays over five days bundle to any investing relationship. One is the ability of your professional. Another is availability. There's attitude action and accountability. To listen to bill Cummings senior safe money strategies. Called 8881880. Wanted to speak to bill. What matters to build Kelly is you know we think you'll give him straight days. When is the best time to plant a -- this is bill tell -- how about twenty years ago and what's the next best time how about today if you're not checking with somebody and you know attending a second opinion you could be endangering your entire portfolio we are seeing a lot of people in this phone market thinking that they have a safe or what they call it conservative portfolio and it's not the case many times we sit with hundreds if not thousands of people every year actually thousands is more accurate these entitlement and we know what happens don't kicked on the start of a bear market the start of a downturn can be precipitous it's a tornado ladies and gentlemen it's instant sometimes the crash was an unbelievable. Now that we and we know that political risk the conceive of what's happening in Massachusetts and one of the attacks on you if you make a lot of money the problem is what's going to be a lot of money that's conjecture at this point it's going to be OPM which is a drug opium but it's also other people's money you need defend that. It's political risk people wanna fleece you paid any any 80181. Of the books get the work books it was someone now protect what you have key point you have use what you can't grow a little bit and then if you wanna pass on some enjoyed doing it and doing with a smile and with assurance that you've done the right things -- it was a senate armed crunches and I dinners at the Tuscan kitchen and the new Marion had the Babson College executive conference and a fantastic -- 888800. Wanted to anyone all of these things are available to you and right now they're all complimentary seems safe money strategies as the book on him as you know Kelly the safe money strategies work focused 200 plus pages it's packed and my biography barely brook farm which you know exactly who you're dealing with any any any 80101. CU in Braintree CU in Burlington or Seale and -- any pain pain in 200 wanted to point. Keep your family fortune in the family she which you have to use what you want. And pass along what's left. Are there trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard bureau six 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 his. New legislation is here now do not delay take decisive action to keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly. Schedule a review an appointment for a consulting session and have all of your questions answered that's 88881881. Keep what you have to use what you want and pass along what's left. Have built Kelly speaking your next Clemson Tel 888801881. Today. Bill is available to address your group business or organization on any of the topics discussed during a show he's a featured motivational speaker before retirement club's business organizations conferences seminars as well as sales meetings in groups in need of vibrant approaches and new ideas. Call 8888018812. Arranged for a bill Kelly to speak up for your group. Keep your family fortune in the family she would you have. Use what you want. And pass along what's left. Are there trillions of dollars in a higher rating and individual retirement accounts are going to be too much for Uncle Sam to overlook. As you've done tactical planning do strategically to argue restaurants 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 if your loafers new legislation is here now. Do not delay. Take decisive action to keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly. Schedule a review an appointment for a consulting session and have all of your questions answered. That's 88881881. Keep what you have. Use what you want and pass along what's left. OK and you say goodbye to the people. And thank you for listening. And. A. 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 pays yeah there were five bogeys bundle to any investing relationship. One he has the ability of your professional and another is availability. There's attitude action. And accountability. And listened to bill Kelly's senior safe money strategies or call 888818. He wanted to speak to bill. What matters to build Kelly is yeah we think you'll give him straight days. That's political risk people wanna fleece you -- any any 80181. Of the books get the work books sit with someone now protect what you have key point you have used when you won't grow a little bit and then if you wanna pass on some enjoyed doing it and doing with a smile and with assurance that you've done the right -- so it was a senate branches and dinners at the Tuscan kitchen and the new Marion had the Babson College executive conference and a fantastic venue 888800. Wanted to anyone all of these things are available to you and right now there are all complimentary senior safe money strategies is to put my name is bill can only the safe money strategies work focused 200 plus pages it's packed and my biography barely brook farm which you know exactly who you're dealing with any any any 80101. CU in Braintree CU in Burlington or see you in new any any any contender wanted to point. Because. This is the bill Kelley show there's nothing ever false about hope. Keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly yeah. Dad doesn't mean it's Lulu. This is. Two. Hey this. Means. It's. Longer and now we do moving Strauss Kelly financial what's new. Everything looks pretty good on the center we had a great event. Yet thanks so much for the tour to the weekend. Pretty intense so we're having great crowds still and people that need help and to decide to trust Kelly financial annoy your big part of that Logan. Are you meetings going one of the people saying do and what they're asking for what do they need. So the meetings are going really well a lot of people are very. Pearl what transpired in the markets since the election but then again a lot of people are trying to put some defense measures in place straighten out there you know they want it to block at some gains and put more protection in the portfolio is much we can help them now while putting some players together what. CAPTCHA to be upset of the market and also have a protection on the downside that's what were this a lot lately. There's a downside can be awful we know that they could soon be out there are retained some merit tornadoes sentiment tornado there's no warning there's no way to prepare its sudden. It's devastating and we definitely want to avoid that right slogan. Yes 100% we're trying to avoid dramatic structure that's. Betemit Hamlet except for we don't want this settled any upside but you always wanna be protected. And they should you have a portion of your portfolio that is protected against the market down. Sure when two people I came to the event standard investments that they thought were deemed too are safe and ensor we have to be very careful of in the industry. And we show them that some of them are in emerging markets emerging growth shown them more in net new styles of investments that had 25 in three quarters percent wounds with and one point nine. Percent nearly and I internal freeze so people have to be careful and that's why are review can help right. Exactly that's let committed Kelly see anyone of our advisors. To treat eating comment because the portfolios even if you stay sober coach in this conservative doesn't meet the conservatives don't let it. You want to beat interprets. It may be conservative by sitting where it but until it fully reviewed. Like we deal. Then that's when you see related to portfolio and that's what we saw DeVon nine which is unfortunate with the individual thought that they were very conservative but wasn't along the lines of conservatives and himself. Definitely from our point of view yourself below you seem to be having a lot of meetings like really seem to be going well we appreciate you being there. 888800. When he had one gets you an appointment Kelly financial services there's no feet. For the initial consultation. Complete review of everything that you have ladies and gentlemen. We have estate planning attorneys working with a CPN news folks like oh Logan Strauss Andrew crown was on the show earlier. Brandon Godfrey Ankara Mario of course he's like the old man in the C right. Very old school which is great nice mixture in the office of old where it all way taking in the delayed stating so it's a great. Great dynamic here. Yes and and Mara is sincere this year with Kelly financial. Remember that they walked in the door. Here's an hour early for his senate job interview and he's been a leader ever sense but I never thought I'd come to the day Norris memorial looks can only you know he's like to see it. But I'm not gonna go to work on myself I don't try and much younger keep up with you guys put. I know the people predicted. I thought I loved the work and I love working with you folks especially. The group and Kelly financial services ledge and jump and you will soon. They need me 800 wanted to anyone find out which you can do better but what you can do best for yourself your family your loved ones. Mean with us and Burlington Braintree. New office in new nano Europe their last week Logan how to connect. That's great so we recently got our office and didn't and more peace and great people really start to pick up in the very well so it. Things are going great a great beautiful location like got on there again the class we commit that we didn't need it just like all the other locations and break it Burlington. All fantastic in the ill come looking for help them we bring it out with open arms. Right really great time and perhaps and but the new no offices right at the T stop grove street I think it's the most convenient when we have. It's a one handed off the highways and you're there right. Yes stick exit 2228. Your great. The second one. Super 888801. And anyone have a good Christian you weekend Logan thanks for being with us today. Construction. Senior same money strategy. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped Medicaid crisis planning senior save money strapped. Portfolio income projections seniors. Money strapped. Call Bill Elliott 8881981. Or locally at 7818493090. This is built Kelly when is the best time to plant a tree about twenty years ago when -- -- second best time CommVault today there's a Smart plan and retirement and then there's the wrong path -- -- riddled with mistakes and wanna safeguarded by tried and true experience follow these rules don't repeat the mistakes of others the ability to focus is a defining characteristic of success long term averages may have little to do with your future coming in with all of your retirement assets at this all time market top call 888801. If you want to the national senior retirement test in my safe money strategies workbook examiner asked for mine now famous stock market heart attack report 888800. Pointed it going join me for dinner or brunch at the Tuscan kitchen both Burlington and Salem New Hampshire that's new or at the Babson College executive conference center 888800. Point anyone get a total review of your entire retirement and estate plan today in Burlington Braintree and Newton sit with me 888800. Wanted to anyone thank you. Okay. Coming. Okay. 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. Senior safe money strategies Tripoli 81881. Call today yeah. I know you'll tons once again to listen to build Kelly big conversation. With the jets can. Since my friend. Joining us now he would respond cervical and our report. The president we all of bill Kelly financial services. He's also a staunch conservative. My good friend and buddy bill Kelly bill how are you my friend. You need do well like archer the first casualty of what Elizabeth Warren said about the senate health care bill. People are gonna be dying old people we got people it's for people disability. Well you heard about a drug called opium shaft one of the qualities and its addictive. What you get some of you have to get more and there's a different kind of opium down in Washington DC it's a letters OPM. It's other people's money and they're addicted to a Jeff and they can't get enough event and they can't stop and they want more of other people's money when someone tries to stop them when you get in the way of something that's free and it's something that's a gift it's the worst reaction you could ever imagine Jeff and that's what we're seeing. In Kuwait I'll be terrorist Rampage. In Virginia. Arctic creating your view a culture of hatred and violence by this inflammatory rhetoric. It's not working Jeff they won't catch on Nancy Pelosi is in trouble everybody knows that. When she's lost share draft you know that they should know that the times are. Are hard to know her and share a room 200. Between sharing Nancy Pelosi in a room how much Botox and thank you could add up there he's. Senator Warren needs to really help people there's a lot of talk I don't see a lot of legislation and you know we need to help people and I think that's a president trump. Started doing on this very day when he finally gave the talk we are waiting from the VA medical care Jeff and the things that are going to happen that are happening are the largest and the greatest impact on the VA medical care system since its inception so. He's doing things about giving people. Off the streets people are dying just but the people are called vets to point to a day Jeff. A dying because they can't get the proper medical care. We're senator Warren for them. Our ability make apps with brilliant point let me ask you this bill. President of bill Carroll financial services you hire a lot of people. You're the best way to get people good quality health insurance. To get temperature off. In other words get up off the welfare rolls and get them a good paying jobs. Peter this ultimately the best way to wean people off of government health care and give them a really good quality health insurance. My good friend and ambassador Flynn he said the best social program on earth. There's a great paying jobs so people connect self respect they can go to work have a purpose support their family. Make him better life for their family and children and part of that is a great medical care plan that. Employers have our offer our help you are so. I agree with you 100% Jeff. They'll wanna play that cut for you when I wanna get your reaction. This is washed up Hollywood actor has been Johnny Depp content that a good will be built up over debt. Let that go jeez in England and arts festival. And he says this about president trump Roland jar. A question about insinuating anything but witnesses will be personally horrible. But I like I like little borrowed from the last time. Not to assassinate the president. Equivalent. Just. Idolize me. However. There's been a lot of. Now bill the analogy is obviously I spoke about it in my monologue at the at the beginning of shop. The most infamous assassination in American history. Was the assassination of Lincoln and the man who killed them was an actor John Wilkes broke. So what Johnny Depp is clearly saying here is it's been awhile. Gentry vital link in style assassination. You know by an actor like John cook's boat. You know what all the time that spot but maybe it's time for another issue is in your view. Utterly reckless act inflammatory. And why are actors like this calling for trump to be murdered. Now we're taking away their free stuff and most of these folks haven't really been socially responsible reform a lot of them. Hung around their apartments and went to calls and then. They were fortunate enough to be highlighted his screen actors or actresses and make a fortune but they don't speak for me I know who don't speak for you and obviously either didn't speak firm. The voters in Georgia vision speak for the voters in. Wisconsin Pennsylvania Iowa Florida. Jeff it's not working whenever they want to do why would people cheer about someone being killed. It took me a picture shows how great that money and pushed. But left has become when I'm world war critics of Obama everybody knows about. You what I would never Chirac god forbid there's somebody said it would be yet a much shorter but hello we just want to defeat them politically we might kill. No and I didn't make fun of their children know I don't know what I announcement they're young adults and they're making some. Different choices that are in want my children and make this a little room for criticism but they're not in the public eye. They haven't challenged us politically they deserved to be left alone in. We need to stop violence thought because it's contagious as juicy. And we need law and order which is tough you know and president trumps creating jobs at the highest to stock market gains in the shortest amount of time in history. In my opinion and people are putting money into the economy. If you're looking for a job right announced the best time in twenty years to do so that helps African Americans to Jeff. And also the economy is more solid than deficits going down you don't hear anything about it. Stock markets if you draw and you just don't hear except on your show and other places. The press isn't gonna promote this. Our law and orders in place felons are being deported. He's doing all the right things he's keeping his promise on the veterans and that's a great thing today as you know week. Spent a lot of time with Chris Toronto we spend a lot of time. With Fisher house and you know Tony to vet today passed away because they can't get care and their waiting lines of up to a year. So let's start with the people that. Gave it all armed would agreed to give at all for us. Let's give something back to them and that's emigrate health care system but let's cut the rhetoric that you're killing people for doing so just. We have been talking where CEO president of bill Kelly financial services to sponsor of the cool and I'll report. Always got our back corner country bill very quickly but frank you're doing any more about in Massachusetts or New Hampshire. We're at Salem the Tuscan kitchen and Martha Tuscan kitchen Burlington thirsting nine anyone's welcome we hit a lot of folks Jeff. Tons of people and you all mention new. And they don't let us know there was Kuhn our fans so thank you for your support and we're proud to be the sponsors to report. Billy current number they can call it they wanna show up she's known since. 88880181. And BR guest have a great dinner at the Tuscan kitchen. You'll love it. Everybody out there let bill help you put some money in your pocket bill as always thanks so much. For coming on the show and for all your support of a great weekend god bless you buddy. You to publish you in the family pastor occupation and keep your family fortune in the family she put 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 be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard bureau 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 predators and theater loafers. New legislation is here now do not delay it. 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 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. When is the best time to planetary this is bill tell it how about twenty years ago and what's the next best time Paramount today if you are not checking with somebody and you know attending a second opinion you could be endangering your entire portfolio we are seeing a lot of people in this phone market thinking that they have a safe or what they call it conservative portfolio and it's not the case many times we sit with hundreds if not thousands of people every year I actually thousands is more accurate these entitlement and we know what happens don't kicked on the start of a bear market the start of a downturn can be precipitous. It's a tornado ladies and gentlemen it's instant sometimes the crashes are unbelievable. Now that we and we know that political risk the conceive of what's happening in Massachusetts and one of attacks on -- if you make a lot of money the problem is what's going to be a lot of money that's conjecture at this point it's going to be OPM which is a drug -- but it's also other people's money -- defend that that's political risk people -- fleece you need any -- 80181. Of the books get to work books sit with someone now protect what you have key point you have to use what you won't grow a little bit and then if you wanna pass on some enjoyed doing and doing with a smile and with the assurance that you've done the right -- -- -- -- -- -- and -- and -- dinners at the Tuscan kitchen and the -- Marion had the Babson College executive conference and a fantastic -- 888800. Wanted to anyone all of these things are available to you and right now they're all complimentary seems safe -- strategies as the book on him as you know -- the city planning strategies work focused 200 plus -- it's -- and my biography -- -- farm which you know exactly -- you're dealing with any any -- 80101. CU in -- CU in Burlington or Seale and -- any any -- 800 -- him -- They're going to keep what you have to use 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. Want to thank both look back you Zoostorm replaced their recent five year look back and replace the original three year look back. Are you worried about the new tax loss well above potential means testing for Social Security Medicare and Medicaid. Call 188881881. Now and speak to build Kelly yeah. Get bills courtroom schedule review and make an appointment for have a consulting sessions to answer all of your questions today and that's 888800. 1881. I. I. I think the United States is the greatest place in the world to invest we have some saying it's. Too bad apples. You guys either. I was reviewing a portfolio. And the gentleman's so many he says. You know this is a safe money strategies and I have my 900000 let's say in this portfolio so that I American loose and so I looked at the portfolio which had about 25. Mutual funds and then we started the call for the mutual funds and they all happened to be correlated to the markets actually a couple or conversely correlated because they were losing money in this market. So one of them was an emerging. I'm market growth fund that was several funds that were recently. Created several funds that where. Probably funds I would be in anyway they're remarkable market but he had six pages of mutual funds basically and now I was interested to tell him show him a few things about them the elf is debate is that things like that but to us that we you know I had a couple of our analysts look at don't look at them Andrew crown prince country voted Strauss they took a look and we we don't have the same thought. It's not safe because it's invested this risk I I wouldn't call it safe because you know me very suspicious about things being called safe so we. You know we all look through it. Came up with some alternatives but some of the fees in the account with the loans from lower to five point 75 which is enormous on one investment and one point 96. On the nearly 1212 B one fees and management fees of mutual fund so if the advisor at another woman in quarter one we're talking about 10% fees to overcome and these portfolios. So you really need to have things to act now. People are happy to be making gains nowadays people are happy to be making gains so we don't want to disturb you if you're enjoying and I don't want to tell you it's not a real good party because these are the first steady gains we've had. Without tremendous volatility in the last three months without these these to jerking about in the ups and downs in the high volumes on the downside low volumes on the upside those kinds of things so we we want you enjoy that but be careful. There's a question we ask you at the near the beginning of every. Talk that we have with you as a client as a prospect as you command from the raid you're sure to visit and then news is there any term I've mentioned that you don't feel you understand and if there is it's very important and you have snow that just to help you and also to help people coming after you and be very kind of you do that and people do and general generally we can craft the conversations that you understand the terms the big shots use these terms to sort of hold your day and make you feel that well. If you don't know this what right do you have to tell someone a professional whose managing your portfolio to change something well. 88 and any country when it went come and visit with us that this offer your chest find out what's really happening in those 121522. Page statements and find out where everything lies underneath chart. What's the risk and what's the report and what can you do better and what's going well now find that out. Most of you are Smart 888801. Ended when asked for the books senior safe money strategies number one the workbook seemed sick when strategies my biography barely brook farm and ask for a seat at the Tuscan kitchen Burlington Braintree I'm sack Burlington. Singh for an entry for her recent Burlington Salem New Hampshire and Boston's opening in November so if they sang and we are. Working with the folks at the Tuscan kitchen to be have the first big event there we're gonna take this much space as they can give us and all of you -- going to be invited to join us for maybe you'll get corner to join us how's that we'll put the arm on him doing some fund negro have ambassador Flynn combined with his family you can meet Braden and mrs. -- I haven't told anyone about this yet but that's what's going to happen so any any any any country wanted to anyone can on the list for these events come in C Johnson three locations don't be shy no institution with a -- if -- question answered by phone 888800. Morning and informed if you wanna come to an event you can textile and number 888801. Anyone you can texted and you can just text the word event and someone with a vacuum right away a couple of tests in humans. Discover five keywords bundled for your retirement years the first is time the second is trust. Texas is a keyword technology has impact. Terrorism is the worst team ward of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies and call 888800. In 1981 and speak to build what matters to bill Kelly. You've that's terrific. When is the best time to -- this -- -- talent how about twenty years ago and what's the next best time how about today if -- not checking with somebody and you -- attending a second opinion you could be endangering your entire portfolio we -- seeing a lot of people -- this -- market thinking have to have a safe or what they call -- conservative portfolio and it's not the case many times we -- with hundreds if not thousands of people every -- actually thousands is more accurate these entitlement and we know what happens don't -- on the start of a bear -- the start of the downturn can be precipitous it's a tornado ladies and gentlemen it's -- sometimes the crash was an unbelievable a year -- January we had a 3000 point drop -- it was sudden and it was disastrous to discourage a lot of people -- 888800. Point eight anyone come -- sit -- get an analysis from our analysts sit with me -- the 880181. Find out -- -- financial difference in what he's doing in your life with your investments is very important I think we -- with the most people of anyone in the business I'm not sure I'm not sure I -- one year -- -- that was 2002000. Appointments so. Doing that sometimes maybe I learned some things and I know you people -- great people out -- in this audience folks you -- unbelievable you don't deserve a sudden precipitous drop in your investments so if you think they're -- good for you I mean you're trying if you really want to find out colony made an 800 wanted to -- find out what the fees are find out what you're being charged find out what you have to overcome now in order to succeed in growing your portfolio retirement is -- cash flow proposition it's a cash -- enterprise and you're saying Kelly no it's my savings it's my investments -- it's what's in the mailbox every month or what appears in your checking account electronically now out of the mailboxes are almost forgotten it's a cash -- proposition. And if that's interrupted think of how -- uncomfortable that will be who's going to tell you -- Wall -- going to tell you I think you know that the people on main street and you know like you in on their own secrets -- 888801. Anyone ask for any risk survey find out what type of rescue and I find -- one of the threats to your portfolio interest rate risk we know that now -- President Obama is retired we can have interest rate -- Now that we and we know that political risk the -- look what's happening in Massachusetts and one of attacks on him if you make a lot of money the problem is what's going to be a lot of money that's conjecture this morning it's going to be -- which is a drug -- but it's also other people's money you -- -- that -- political -- people -- -- you -- -- -- 80181. Of the -- get the -- books it was someone -- protect what you have -- point you have -- -- you -- -- a little -- -- -- if you -- pass -- -- enjoyed doing and doing with a smile and with the assurance that you've -- the right -- -- it was a senate -- crunches and I -- at the Tuscan -- -- the -- -- -- the Babson -- executive conference and -- fantastic -- 888800. Wanted to anyone all of these things are available to -- and right now they're all complimentary seems safe -- strategies is to put my name is -- can only the city planning strategies work focused 200 plus -- it's -- and my biography -- -- farm which you know exactly -- you're dealing with any any -- 80101. -- in -- CU in Burlington -- see you renewed pain -- -- in 200 wanted to point. Seniors seem funny strategies. Wealth transfer seniors save money strategy. Living trusts seniors they have money strapped Medicaid crisis planning senior saint on strapped. Portfolio income projections. Eight years and money strapped. Call bill Kelly 88881881. Or locally at 781. Being poured on him 3090. Ladies and gentlemen we have William Kelley junior on the line. I air. I you know. Could louima Japan's. It's an infinite long winter in long spring and now Summers here so looks like total total freedom. Yes I really knows us. School year. Oh. I. And hobbies. Out. Well if you're Kelly nothing's easy I can tell you that. Yes really spray at us up to work hard. Eventually it will happen you're trail culture changed where art student asked him. I'm going to take those words I needed to hear those this morning but I just wanted to ask how was the final report card. Yes I'll hide. Up here honor roll it up you've accomplished at school it's extremely art. Well. Conditions. Are right. They are. Like CSC. AAA it's like us they're very tight. Very hard I hit it up here at the highest grade I's app. I reach us. With us teacher's comment. Gray and I. Just asked oh. F sharp very. The comments are very stupid route. Very happy I feel very successful. And I'd. The public art. Oh yeah actually Michael. I was just like it. But he started out way behind is that correct. I'd. I. Eight. I. Should act out. It rubbish all. When you have you have to run into a pretty good teacher also all right. Yes its chances. Cat. Legs. To. Act on. Yet on this out. Or an art but get us out at eight. There ain't at cricket illustrate our. His father in harsh about it. 12880. Odds aren't out to us about that one it's parents. Evers. Writes. Is. Great strict strict and do well. Order chain was punished. It's out where art and act. Any parent name you know. 08. Outlay states skate well he likes style. I. Is successful. Authorities. Ought to think I eat out success here. A lot of money. Out. And now. I sex. Acts or. He called light happy cell. There at light. Don't. Success. Every success. Expects your way. Way. All I liked it takes us. Out a lot. Ain't. Or celebrity. After each successful. O site. Well so you learn that I know in the beginning you. You virtually thought it was impossible to do he did there was no way but you found I. At. First light. A rocket at. I'm at our church out. It's your chance top eight right way. Are Smart they. Head out recent great. While. I think mr. Give me solve any opt out and change. Methods may mean you have methods to do these things and Hanover new life in other areas. Yes. Out literature. Top. Flight lessons. Columnists. Out real well a job that work art. Work optically. Not. Not. A short acts not cheat your work. Ads and can't do out our Elaine Shas or. You out advice you'll get it any more wide problems. Our sport and properly will have. Daily pressure and stop. Doing that. Nobody else. I think competitive position on your and you're firing me William please tell an age eleven. Making it through a tough school year remains the best out of it I know the folks are glad to hear on the show I am too so. How about if I see you when I get home and we'll have some fun. Sounds good I have eight. I X I X two dozen. At. This is the bill Kelley show there's nothing ever false about hope. Keep your family fortune in the family. Call 188881981. Now and speak to bill Kelly yeah. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Are you getting pace and there were five days bundle to any investing relationship. One is the ability of your professional and another is availability. There's attitude action and accountability. Listen to bill Cummings senior safe money strategies called the 8881880. Wanted to speak to bill. What matters to build Kelly is you know we think you'll give him straight days. And for a return. There's. This road to. We're back with the ambassador Raymond Flynn one of our favorite people of course ambassador Flynn was discussing the media and the failure. Local stations to pull but first of all ambassador for and we had a famous actor Johnny Depp. Make an announcement in crowds and cheering him on any cinema it's just spent a long time since an actor kill the president Tony think it's been long enough. It certainly don't really outrageous bill but certainly we view board shall all of its most people. Don't know what it is it's called Federal Communications. Commission. Barack that was one of the most desirable positions in the audience I got to try to work on each treatment but I think it was. I was one shot from Boston bought spurred that. Was a member of the city's city now. As I constantly add conservative. Democrat that we look at. Google. An independent science it. In what people had a legitimate concern about what they would earring. Our electronic. Beat chief of radio. Beijing what are those complaints. Yet see city. And yet CC or just some rubber stamp the track. They work. A police of the people. I heard one single tapes. Where's but he is brought to get cease about it come quite. Like Johnny Depp or some legitimate complaints. That should be prosecuted. But I and so it TV station. But at radio stations should be outraged and are pretty. If they don't take particular caution. Suddenly it all skit you know that they didn't before. They should take it stinks seriously. That prospect right now what are people who were supporting but that is a wreck and president reckons that Egypt well ad say it. Well here and watch the independent or what should actually he waits in the media. And Reagan would say peak easily speak wrong of a problem at a public trust. Jockey capture and be able to get away with it I would got hot seat jockey it. Would be honored to Washington DC as well. And it apple explained why shouldn't be suspended. And find that they cannot be here that's however he. Freedom of speech of course you can't explain it right you can't violate the act. Equity the American people it can't threaten. It chilling about the precedent the united state action against a lot but it's not being forced by a federal government. I hope trop now decides that he's got a point people to be seen actually. Not political cronies but people who were accorded to me and public trust. Be completely obeyed and expected because people are entitled to that should immediately. We see the you know senator Warren saying this money is blood mowing the blogs on his hands you see. The lady on CNN last night said that the president is just the same mrs. suicide bomber he's a subs to be president. And this rhetoric keeps getting tuned until somebody takes on a rifle goes down to a ball field and start shooting congress people. It gets acceptable by saying that should people unfortunately. The world already here know that people making fun. Outrageous. And inflammatory. Statements made big steps pocket that they'd be debts acceptable. And they can ever get political people that they don't like what you can't. Police were injured at that. The ballot box this is called America. Opted out of the ballpark right well not much and shot and also urged crashing and people but these people but at least people sick. And it being excited by eight. It up and get stuck. City is a place where it could stop. To walk this treatment street chula writing our targets up about it you don't have the right. Call assassination of the president. What took off of violence. What to call for you know over control of some legitimate business all boy caught in Dutch not a Eric. As spent well and that should not get away with. Always takes car engine and you know it I think that we need to have in his country if I was Democrat right now. I would be trying to figure out a new way to get jobs for people in the inner cities. And you talked about an area of Boston and it was revitalized with a vision then you and some other folks had. Those people feel proud assists on the year with co owner. He sent a great ideas to get people jobs it's a press went to win elections and I said that's exactly what ambassador Flynn says the best social program has a great job not. Joining about trying to kill people in sub falling cut you know. I would say it presidential election that was one of the camera I was president. Of the United States conference a year and I write about sled. The most important social or am in America today is due. All parties start up that way but I got. Is familiar well you know at trial at about sixty district politicians. Over the course of each. You know shape the very same thing and that's the most important social program. In America today siege 888 edgy and stepped. Your lack that true most important things that we had concentrate each day. I don't think we're gonna get much better than that soil we call a halt to the festivities in reconvene next week. OK don't nights like you've got left. Thanks of interest to Braden and mrs. Clinton. Seniors save money extracting. Wealth transfer seniors save money strategy. Living trusts seniors save money strapped. Medicaid crisis planning senior saint under stress. Portfolio income projections seniors money strapped. Call bill killing at 88881981. Or locally at 7818493090. When is the best time to planetary this is bill challenged how about twenty years ago and what's the next best time how about today if you're not checking with somebody and you know attending a second opinion you could be endangering your entire portfolio we are seeing a lot of people in this bull market thinking that they have a safe or what they call it conservative portfolio and it's not the case many times we sit with hundreds if not thousands of people every year actually thousands is more accurate these entitlement and we know what happens don't kicked on the start of a bear market the start of a downturn can be precipitous it's a tornado ladies and gentlemen it's instant sometimes the crashes are unbelievable. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Keep your family fortune in the family she which you have to use what you want. And pass along what's left. Are there trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard bureau six 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 his. New legislation is here now do not delay take decisive action to keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly. Schedule a review an appointment for a consulting session and have all of your questions answered that's 88881881. Keep what you have to use what you want and pass along what's left. OK and you're saying goodbye to the people. Thank you listening. And. What's most important to you about your retirement years. Trying senior safe money strategies with bill Kelly called killer triple 881881. Or locally at 78184939. Feet. Stay informed. Are you getting Hayes yeah you're five remains vital to any investing relationship. One is the ability of your professional and another is availability. There's attitude action. And accountability and to listen to bill Kelly's senior safe money strategies and called 88818. He wanted to speak to bill. What matters to build Kelly is here and we think you give him straight days. Very good ladies and gentlemen many people are on pleasantly surprised in the retirement. About how much they have to share with the tax man who attacks person if you have 500000. To five million dollars or more. You want to protected trying to preserve it tries to pass it on and grow it how would you rate your knowledge about retirement planning ladies and gentlemen. If you are in a regular listener traditional I would hope you can rate yourself highly. Yet it's distressing to report that any recent retirement income literacy survey. Completed this past summer for the American college of financial services americans'. Retirement know how rates and half. As was the title of a CNBC report this week about the previous mentioned study. And Morris financial literacy is continuing to decline at the same time we've got the largest. Number of people ever to boomers entering retirement every day. I can't guarantee immigrated and period and if you took the survey but you certainly want to and half. After you read all ten of my reports several mentioned already on today's show. Senior safe money strategies to changing face of retirement total wealth transfer and the stock market heart attack are some of those reports 888. 800 wanted to you want if you want to raise your financial literacy mark it's probably getting a copy of the bestselling book the show. Is named for seniors safe money strategies and the changing face of retirement along with total wealth transfer those three publications alone are enough. For you to curl up with it. For a weekend and when you've done your bill to take action Monday with few publications. And hand new knowledge and knowing what to do. You can test your knowledge after you read the senior safe money strategies and the changing face of retirement test your knowledge with my senior retirement test kit and risk tolerance got to find out where you stand she'd be well advised to make sure your financial literacy is the best it can be and my book and reports might just do that for you information it's precious ladies and gentlemen it's invaluable call 888800. Wanted to anyone remember what chi chi Rodriguez said when commander retires his wife gets twice adjustment and half the income we don't want that we don't want that in itself. Visit with a us at our high net worth. Bunches lunches and dinners. Workshops coming up next month. Don't miss out there filling up already we just put the word out yesterday. So 888801. Dated once it was us and our workshops if you have 500000. To five million dollars or more. You want to protected try to preserve it tries to pass it on and grow it to the maximum maximum extent allowed to. To you you might wanna come to one of these punches. Lunches or dinners. Next month 888800. Wanted to you wonder filling up fast it's a roll up your sleeves event ladies and gentlemen. We've hosted almost 500 people at the Marriott Burlington for our. Appreciation event these are working events ladies and gentlemen now for serious minded people for those of view I know out there our clients our prospects people commend people get the publications they're serious you're serious unknown and that's OK we are 2888800. Wanted to horn get the publications sit with us for brunch to the national senior retirement test and the risk tolerance test will complete the grade them for you. When you get them back you know where you stand with that said ladies and gentlemen will be right back. Senior same funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning seed you're saying I'm strapped. Portfolio income projections seniors safe money strategies. Call bill killing at 88881881. Or locally at 7818493090. This is built Kelly Warren is the best time to plant a tree about twenty years ago when -- -- second best time CommVault today there's a Smart planning retirement and then there's the wrong path one can be riddled with mistakes and wanna safeguarded by tried and true experience follow these rules don't repeat the mistakes of others the ability to focus is a defining characteristic of success long term averages may have little to do with your future coming in with all of your retirement assets at this all time market top call 888801. If you want to the national senior retirement test in my safe money strategies workbook examiner asked for mine now famous stock market heart attack report 888800. Point 881 join me for dinner or brunch at the Tuscan kitchen both Burlington and Salem New Hampshire that's new or at the Babson College executive conference center 888800. Point anyone get a total review of your entire retirement and estate plan today in Burlington Braintree and Newton sit with me 888800. Point eight anyone thank you. Okay. Moment. Yeah. It's gonna get. It's. 0800. It's. 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. Did any kid who made your listening to the best of the Bill Kennedy shot. Yeah. Don't even choose to do crew yeah. Ladies and gentlemen this is Andrew crown joining us from Kelly financial services he is senior vice president chief investment officer welcome to show into chrome. Yeah. Well tell you it's been quite the start to the uterus like Tony sixteen never happened tremendous gains at the end of the year very flat market up until then bonds and utilities were hit hard but I think there's some answers to be created out of them and I think you may have some what are your thoughts into. What you see the market rises quickly at the dead from a bit after the election up until about mid December it is looking at doubt from. From December 13 until now at a market could fly so it could slot the last couple weeks but very short period Tyler road very quickly resolved pretty good breakdown of what Jerry Labarca Roy drove that it was mostly financials got a little bit industrials. So literally a brawl. Broader market rally but there are a lot of opt out there what we're starting to see is flattening. But the moving averages because that market trading. You hire are starting to move up. It looks like its fifty day moving Garrett urgently doubt that be roughly 90300. And I'm moving closer to current levels that B support level which also my job market higher. The whereabouts of about. If we see it crossing downward crossing the moving average downwind that's always a sign of concern for us when we do are planning a portfolio management but right now we're seeing could support levels beneath it. That's true and the market sentiment indicator still a hot so we did. Possible to see a little bit of a doubt or maybe one of the moving averages or the case that he told the the averages come back up but it would take an extreme perk to drive it up back to the short term. Obviously plex one incidence is into hard to predict that's why they're so unusual and so on Barros you've been predictable but what do you see ahead for trump and what you see an informed about the new folks coming in and will they actually thought that the senators are testaments. The exact right at the box on that street a particular bit black on so why do you think there's a lot of optimism because there are a lot of uncertainty. And fortunately with trump uncertainty in this case. Be adopted as a debate look at Soviet past business successes and think it'll be able to implement that the United States economy. They've added a little probably reappoint a different person every jedi Marty had trouble getting along or even was named a prize now lacked I. Think there and start to raise rates a little more rapidly obviously they pushed that off from it played fifty detail the most recent rate hike. I think that'll probably start to continue. We did a lot of research on what levels of interest rates are going to be detrimental Bill Gross is sank two point six. Tiger treasure outlet to Jeff got locked bank report now there's obviously some differential but there's so room her movement and I. Right to get straight Byron also signaled that it goes mark strong enough to handle that. I don't see a scarcity of cash which would drive interest rates up there's plenty of cash because they're printing it daily down there and treasury so obviously I interest rates go up when there's a scarcity of trash or they want to bring funds back came from the market into the bank's own. I think inflation is going to be a real problem even though it's going to be treated I think they created artificial inflation in the oil because they knew that the levels of pricing. We're gonna force only people out of business and that was with the most corporate defaults were last year in the oil exploration self inflation could be in the end labor sector though because we have very few people. Or are employable right now and want employment some employers are gonna have to change them what are your thoughts about that. I do agree a lot of policies that he. He seems to be skilling could cause I Croatian group we see a large about it. Inflation that could justify higher interest rates or make higher interest rates a little easier to swallow but yet. I do agree with you it is our possibility they increased exploration the possibility of the last day at work or simply charge more more more jobs obviously. This supply job decreases were. Being out of workers but it is saying it. That's right southern have a better time of it that we knew it was an employer's market for many years here since from the old seven until twenty sixteenths and now employees soon have their time and bad but you do you be speaking at Babson College next week on January 19 correct. And what do you think you'll be talking about for the folks and attendees at the event. We're talking about level of economic outlook Herbie talking about. Live investment terminology used up its quota lot of news and and talked about Rick over a lot of things in that is the other speakers are we talking about topics that interest economic various strategies everything. And Andrew what he's seeing and hearing now with the folks are coming to see you to get to know you. People becoming a little more cultural stocks more because of the optimism may Lester gets the fundamental factor the people of a lot of confidence trumped. At a neutral administration and our economy. As of the or calling itself I think it ought competence out there you'll be coming a little more cultural stocks and they they have bed just a few months back. It's amazing it's like it never happens on the thinkpad X 2009. And the bubble bursting point when do we appreciate you being on them folks can present Andrew crowned at Braintree Burlington or Newton pay 8888 under one if you wanna thanks for taking time out of your weekend to speak with us Sandra. Thank you democratic. Ballot but you. This is the best of the bill Kelley show. Senior safe money strategies Tripoli 81881. Called today and yeah. Still listening to the best of the bill Kelly shot. It's haranguing. It's. From Johnson welcome to the tune of yes Larry mr. We've been pretty good I know you're very busy and don't Newton the new office in Newton is packed and I know you. End to end there as well as soon doing some work in Burlington so please gentlemen friends are few works with fixed investments and feminism. Graduate of saint Francis university in Colorado Pennsylvania and an investment advisor representative and vice president and Kelly financial and that's a mouthful welcome Brandon. Thank you about trapped in this there. We have some new things happening we have the new investment policy statements for investors in numerous tolerance to reflect the bull market how's it going with this new clients and the prospects. It's a trader's perspective so that when they look at it they get an understanding what type of investments are out there because our goal is to find in past and that's right. Pretty individual ever person's different so we need to find what meet their personal goals and that's the biggest thing that we stress really finding what is best. Or view on a personal level and that's where they keep your great outline every thing. So you know exactly what type of investments you're. Well we have several selections could you name some of the groupings that we have right now. We have a moderate portfolio we have some aggressive portfolio we have a very conservative portfolio up bond portfolio. Bill very. Have different investments in each but it really all about finding one that's for you and typically. A lot of people on to the moderate to conservative profile because when he get closer to retirement it's about and meeting your goals and managing your expectations. You don't want a lot numbers in your portfolio. Parent during nine to a great hockey spoke at Babson twice last week. 888800. Wanted to warn whoever wants to attend our next event will be a brunch or dinner and Brendan will be speaking about the Everest effect without giving it away Brandon to Juba snow a little bit about the kind of just affect. The ever suspect everyone thinks about climbing the mountain even make it to the top but then you realize. 29000. Seat up and are you looking down. Snowy cold mountain and have the plans that. A lot like retirement where you reach your goals and then you aren't working anymore you have to protect yourself and they on the past. And most of the fatalities happen on which part of the climbers stranded. After you reached the top people relax senator and they've accomplished they're goals but didn't they don't realize they have to make it back down. In turn could and we're doing well in Burlington but Newton was kind of her future prize I don't wanna say I was shocked but no more than pleasantly surprised. Excellent individuals out there aren't really. Having now so that we can help the many people as possible. And it's a little difference and I think the Newton people seem to be very high net worth very thoughtful but jet. They really want more information they wanna be informed and I think we're able to get the metadata and don't you. Oh absolutely it's all about educating. Our individuals are clients and making sure they get the best quality that they can. So they needed 800 wanted to once it was Brandon or visit with us at one of our offense. That's the Newton mayor announced the Tuscan kitchen or Babson College he'd be any 801 anyone get a copy from book senior safe money strategies workbook. Looking at over six investment profile statements investor profile statements find out where you fit and also find out if you're paying exorbitant fees wrapped in deer county you don't realize. It's very important and doesn't take away your profits ladies and gentlemen. And friend and I hope you have a nice restful weekend and you've been busy all week and thanks for spending time with us on the show today. Thank. You to convince this is the best of the bill Kelly shot well. My house. Keep your family fortune in the family teeth which you have use what you want and pass along what's left. Are there trillions of dollars in 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 and protected from predators and interloper his new legislation is here now. Do not delay take decisive action keep your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly schedule review an appointment or consulting session and have all of your questions answered. That's 88881881. Keep what you have to use what you want and pass along what's left. Very good ladies and gentlemen many people are on pleasantly surprised in the retirement. About how much they have to share with the tax man who attacks person if you have 500000. To five million dollars or more. You want to protected trying to preserve it tries to pass it on and grow it. How would you rate your knowledge about retirement planning ladies and gentlemen if you are a regular listener traditional I would hope you'd rate yourself highly. Yet it's distressing to report that any recent retirement income literacy survey. Completed this past summer for the American college of financial services americans'. Retirement know how rates and half. As was the title of a CNBC report this week about the previous mentioned study. And worse financial literacy is continuing to decline at the same time we've got the largest number. Of people ever to boomers entering retirement every day. I can't guarantee of degraded at period and if you took the survey but you certainly want to and half. After you read all ten of my reports several mentioned already on today's show. Senior safe money strategies to changing face of retirement total wealth transfer and the stock market heart attack or some of those reports 888. 800 wanted to you want if you want to raise your financial literacy mark it's probably getting a copy of the bestselling book the show. Is named for seniors safe money strategies. In the changing face of retirement along with total wealth transfer those three publications alone are enough for you to curl up with. For a weekend and when you Don your bill to take action Monday with your publications. In hand. New knowledge and knowing what to do. You can test your knowledge after you read the senior safe money strategies and the changing face of retirement test your knowledge with my senior retirement test kit and risk tolerance kind of finality stint she'd be well advised to make sure your financial literacy is the best it can be and my book and reports might just do that for you information it's precious solutions elements in viable or call 888800. Wanted to anyone remember what chi chi Rodriguez said when a man retires his wife gets twice the husband and half the income. We don't want that we don't want that itself. Visit with us and our high net worth. Bunches lunches and dinners. Workshops coming up next month. Don't miss out there filling up already we just put the word out yesterday. So 888801. Dated once it was a senator workshops if you have 500000. To five million dollars or more. You want to protected trying to preserve it tries to pass it on and grow it to the maximum maximum extent allowed to. To you you might wanna come to one of these branches. Lunches or dinners. Next month 888800. Wanted to hear Wanda filling up fast it's a roll up your sleeves event ladies and gentlemen. We've toasted almost 500 people at the Marriott Burlington for our. Appreciation event these are working events ladies and gentlemen now for serious minded people for those of you I know out there our clients our prospects people commend people get the publications they're serious you're serious I know and that's OK we are 2888800. Wanted to wanted to publications sit with us for brunch to the national senior retirement test and the risk tolerance tests will complete the grade them for you. When you get them back you know where you stand with that said ladies and gentlemen we'll be right back. Took gold who keep what you have. Use 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. One typo I looked back is in store every place their recent five year look back and replace the original three year look back. Are you worried about the new tax loss well above potential means testing for Social Security Medicare and Medicaid. Call 188881881. Now. And speak to build Kelly yeah. Get bills courtroom schedule review and make an appointment for have a consulting sessions to answer all of your questions today and that's 888800. 1881. I think the United States is the greatest place in the world to invest we have some say it's. Too bad apples and you just read this. We're. He'll listening to the best of the bill Kelly shot. Ladies and gentlemen Greg Murray our vice president senior vice president and investment advisor representative from Kelly financial. Greg quite a week in the market the pool looks like it continues. It does look very promising that it will continue to contribute. Means that they've been saying every week for the last couple weeks things were out looking good last year. Now we have the positive that he in the market in this reflecting tightly that out because extremely happy. And is there any cautionary notes I mean some of the bondholders are feeling and movement of pain but I do think there will normalize and what are your thoughts for the remainder of the year. We're looking at possibly bond markets we can't not expect them to return the 8% at peak gave us. There are appreciating each district fire it will two that there's no question about that. But but still to give us the stability that would work eight portfolio. With that lead to expect more like 234%. To an annual basis. But having bought your portfolio. Does I'll accept the ball totality of the equity. It will give us core stability. I know this year forming investors who have profiles and could you let us know what to different segments might be a different classes. What we're trying to do trying to tailored as portable network managing. To our customers can bet that strategy. So we try to do that by investing either hug and a 100% bonds or mixture of both in conservative moderate growth capacity. So we're trying to get the portfolios. More Taylor works light speed. Then the risk profiles in addition to that power of people feeling about risk right now. People are wanted to take more risk. That's always a concern because we need to have cautious optimism yes we feel very good about waiting circle right now. Yet we feel that the market will continue appreciating. But what happened but it doesn't what to protect us from the outside. That need to be most careful about. Crane and any new wrinkles that you're seeing during these segments are sectors of the market any managers are here. Looking never anything in let's say geographical regions. We still like domestic US equities. But it comes down to international securities right now we are still feel very comfortable with the we like the domestic market we'd like broad based markets at this point. We feel very confident in the financial in the defense industry at our new president. I don't think it's a slam dunk for him no pun intended but. We'll see what happens I noticed you have a high comfort level with high net worth individuals Greg could you explain that to me. I'd like to work with anybody to sit down at my desk and I'm happy to help whoever wants our existence whether they have ten dollars or ten billion dollars. We're happy to help. Great we're getting a lot more folks who holds her own businesses and high net worth ultra high net worth and I think over the years we've been able to. Maybe sustainment with our own internal research which I think makes a lot more sense don't you Greg. Absolutely that means that we have the decision making ability of what we're purchasing. Know everything about a company's mutual fund that word besting it. But we make a change formation change based. What we feel is best for our clients. During good Greg Lauren 888801. Is it going you can here's Greg speak we had a great event and perhaps and 888800. Point eight anyone and Greg. I think the Newton offices taking off would do great. I need to place to see dread getting up there at back to back appointment old state law. Did you feel it. It's a great feeling and now what are your plans for skiing monsieur Greg how what Seattle canoeing and it changed dramatically on Friday rice. This weekend is looking very promising after that those but that you. Recently got. Then you're never skipped any favorite spots and doing a great north let the folks know about. Killing ten and oak key vote open air in Vermont very good sized battle. Very good though of course very good people. Opinion of the vehicle to do what you're driving lately current. I've cheap. Those still doesn't really bother me that much. Critics of throwback guy ladies and tell when he's old school but he's cutting edge of the issue of zeal school in the Jeep. Seem to do it does that thing go up and down when you push a button or something. Note setting and get around it that's the that we had a there's that. I'm very general lesion talents it was Greg Murray 888800. Wanted to Warner six investor profiles you might fit into one of those six. And you might feel more comfortable knowing exactly renew our. Reduce your risk tolerance test okay folks didn't need any 300 morning once it was great to get a copy of our books or. This is with us from lunch returns thanks again for being in show this week correct. Yeah plus. This is the best of the bill Kelly shot. Just over five keywords bundled for your retirement years the first is time. Second is trust Texas is a keyword technology has impact. Terrorism is the worst tee ward of the mall. Are you dealing with the five tees. Dear bill Kelley senior safe money strategies and call 888800. In 1981 and speak to bill what matters to bill Kelly he's cute. That's terrific. Very good ladies and gentlemen many people are on pleasantly surprised in the retirement. About how much they have to share with the tax man who attacks person if you have 500000. To five million dollars or more. You want to protect to try to preserve it tries to pass it on and grow it how would you rate your knowledge about retirement planning ladies and gentlemen. If you are in a regular listener traditional I would hope you can rate yourself highly. Yet it's distressing to report that any recent retirement income literacy survey. Completed this past summer for the American college of financial services americans'. Retirement know how rates and half. As was the title of a CNBC report this week about the previous mentioned study. And Morris financial literacy is continuing to decline at the same time we've got the largest number. Have people ever to boomers entering retirement every day. I can't guarantee of degraded at period and if you took the survey but you certainly want to and half. After you read all ten of my reports several mentioned already on today's show. Senior safe money strategies to changing face of retirement total wealth transfer and the stock market heart attack are some of those reports 888. 800 wanted to you want if you want to raise your financial literacy mark it's probably getting a copy of the bestselling book the show. Is named for seniors safe money strategies in the changing face of retirement along with total wealth transfer those three publications alone are enough for you to curl up with. Four day weekend and when you're done you've built to take action Monday with your publications. In hand new knowledge and knowing what to do. You can test your knowledge after you read the senior safe money strategies and the changing face of retirement test your knowledge with my senior retirement test kit and risk tolerance kind of finality stint she'd be well advised to make sure your financial literacy is the best it can be and my book and reports might just do that for you information it's precious ladies and gentlemen it's invaluable to call 888800. Wanted to anyone remember what chi chi Rodriguez said when a man retires his wife gets twice the husband and half the income we don't want that we don't want them itself. Visit with a us at our high net worth. Bunches lunches and dinners. Workshops coming up next month. Don't miss out there filling up already we just put the word out yesterday. So 888801. Dated once sit with us and our workshops if you have 500000. To five million dollars or more. You want to protected try to preserve it tries to pass it on and grow it to the maximum maximum extent allowed to. To you you might want to come to one of these punches. Lunches or dinners. Next month 888 the 800 wanted to you wonder filling up fast it's a roll up your sleeves event ladies and gentlemen. We've toasted almost 500 people at the Marriott Burlington for our. Appreciation event these are working events ladies and gentlemen now for serious minded people for those of view I know out there our clients our prospects people commend people get the publications they're serious you're serious unknown and that's OK we are 2888800. Wanted to wanted to publications. Sit with us for brunch do the national senior retirement test and the risk tolerance test will complete the grade them for you when you get them back you know where you stand with that said ladies and gentlemen we'll be right back. Seniors saying funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning senior save money strapped. Portfolio income projections seniors that money stretch. Call Bill Elliott 88800. In 1981. Or locally at 7818. Or 93090. You are listening to the best of the bill Kelly yes. You for a return. There's. This bone to. And we're here with ambassador Raymond Flynn a privilege always every week I go to school ladies and gentlemen and most good politicians turned slightly on their base after their elected and he realized the election's over I wanna give more than middle now I don't need to be cultural right anymore. And while embrace them he should be American deals we Schumer and he could have muted Schumer. But you have to turn on your baseline in the Clinton was a master at that too you have to embrace a larger group of people to give you based built up solid for the mid terms. Princeton structure strictly it's a country soon you know human represent everybody. You don't just represent. Seats include a great deal of time looks at risks. It's easy to get elected to run its cut chipped up. Once we get elected. To serve all the people of the country. And ask you don't wanna come along that's fine. That's the judgment that's what is America. But we have to what is our country not just one of the people who not just one party but for the country. That comes with experience. Fortunately you don't have that it cuts this project. No we need a little more polished and more dignity and a little less. Concede you know what diversity policy is a rough stone let's hope that happens ambassador flick. Talk doesn't have the blast I mean so what they eat donuts is going to be net site he not be given. And the dirt chances he's got what she and he's gonna succeed but are. Audit partner come since it's going to be very very difficult end. Trade him to make a comeback and actually needs a strong president and it doesn't matter in the public and our Democrat we need strong president. Clinton's got to put people will be at this expert's. Not ideology. I don't know extended too far here but President Reagan and everyone forgot that he did she feared for years and many almost every Rotary Club. In America had a visit from Ronald Reagan never one time or another before he was even in office she sent him. All over the country Jack Valenti get to Washington DC two years before Reagan and pave the way nobody really understands how that happened I'm aware of it. So things were upset emotion very very Smart people. To get that agendas together and he teamed up with. Believe it or not as you know we are well aware of on the inside like points and that Pope and the three of them took down communism. As well as brought the country back in a big way. Don't get they'll kick you heard all normal walk just read all these statements are not that dusty is up John call back. I'll read it. I talked to Bill Casey are well my predecessor with Wilson straight talk I'll. Hours college are about all the players move your condition once each in cheering of the nation. Whitney. They trusted. And they knew that I was so shallow capped what collection urged and it talks except. Hatred just can't bright apartment you can't talk about it. You can't make that blunt about it. Just built about how your mind chalked up to step experience. So you can make such decisions and get the best advice. The president to the United States now the president passed but Suu Kyi you have to get this year. I don't know I you do there in this particular case but I'd rather do you know that each year out of the about why no way can. Or state rep and trust Boston height of boxing gear change I get a hot coffee from. From the subtle ones are very passionate chipped in Republican Party masters. It took me. You know we like we had Heidi you know struggled that you're taking on here the kids in here. Why don't read him. Actually I said I know Ronald written I don't know course perhaps he bought it should publishers what's he up to shoot he's got a lot of governor Jeb or. Should got to chuck shall. Terrorism because they're told the wall conservative heritage so I want a well. This would like I 68. And locked away and shut here. In Rome. Like 21 excitement that I was nobody did he ask each. Week dealing. The media how he's dealing with all these orders scupper. How we deal with a public opinion going against. May change that Kosher best professional home when everything is against you. And you know what's wrong I mean you know the people it would that we are stacked against this. You know the people of Boston in the air Boston. Vs solve however. Two options ought to trinity. The governor did you know Ronald Reagan had an instinct obviously people don't all Egypt's Jihad actually. Your instinct. In your loyalty. It's almost a professor Robert Kennedy school of government that's what I would most. Frequently. Talk about it might collapse. Ron did a great class I would take that class and I did it and I get to attend every week so I'm pretty fortunate so thank you for being with us this week. Experts agree what you got these two. Best of friends and. Mrs. Clinton can. This is the best of the bill Kelley show. This is the bill Kelley show there's nothing ever false about hope. Keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly. It's been a long time hasn't it yes many many years first of all thank you to everyone who are making our business which is success and for helping us learn we learn from our clients are telling financial services and I've learned over the years I think it's my fifteenth year in Boston and my 23 here in the business so it's great. There's plenty to learn still for all of us both you and I if you're dying in north individual if you own your own business if you're trying to transfer your wealth if you're trying to protect your wealth these are all key points these are all. Places that might seem uncomfortable to you especially with the uncertainty right now we have a new president I'm gonna somewhat pleased I'm somewhat. Skeptical of all politicians did Donald Trump beat anyone. Because their motives are things seems seemed to change him and what is the test going to be for Donald Trump I don't know do you in his you can pass the test because our entire nation and lives depend upon now as you can see a lot of things are happening its rapid pace and a lot of things are great. Some things people agree with some things you don't agree with I can tell you right now that 50% of the people. Think 100% of the people who voted for Donald Trump are crazy so. And there are certain of and that's the way it is every four years we changed our opinions of who's who was insane and we've done themselves. We have to protect I think we have to protect what's precious to us and I think that it's our culture and for us to be ashamed about and I think it's I think it's it's wrong it's wrong I don't see any harm and anything that happened to me growing up and it was a kind of rough. Growing and we were exposed to a lot we seem to overcome it. We're being shredded into smaller and smaller groups trim it out and refining them. It's very difficult to say anything that is and hurtful to some segment of the population now commissioner on the right side effect on the conservative side it's all is fair it's their didn't do anything to you including being beaten on the head with a metal pipe and nothing gets done about it. So it's free speech as long as you agree with some of these crazy people in the streets right now variety. An issue for a doctor you're probably interested and they walk Winfrey between Saddam and hands and do nothing so it's a strange time what bothers me about illegal immigration is not that we're helping some poor person to survive in a city like Boston and invited to live at the City Hall. We have homeless events in Boston could they come to the front of the line please is that possible with homeless African Americans can they come to the front of the line why are illegal immigrants and protected class war. How we missed the boat. What is the message that we're missing here I don't know do you divisive okay who attacked Christians right now and being beheaded in great numbers and the and as it happens we're asking for more and more. It Islamic refugees to come into the country tens of thousands more how is that happening and really in Boston youth. We'll illegal immigration is the first violation of the law then you have to have someone in order to receive welfare benefits. Illegally. You BT cards is the second violation of the law it's fraud it's fraud you're paying for how does that feel as if you know you're paying for it do you like you don't I'm I don't care. I'm into tremendous living a very blessed I didn't always even when I didn't I was willing to share whatever I had from when it's forced upon you doesn't feel the same doesn't know so think about that really deepen your heart what does that mean buoyant removing these people who Beacon Hill warranty living near the brownstone on comment and come off avenue we're having you know and why is it fair so the first violation is then enter the country illegally the second violation to somebody harbors them that's illegal the third violation is some type of fraud to obtain a Social Security number the next violation his tax evasion the pay cash to these people and for some reason people who owned restaurants and work in restaurants think it's fantastic and it's suppresses wages for everyone so often doing lots of I'm went minimum wage or fifteen dollars all the people that are out there parading around for that are you paying the illegals fifteen dollars an hour are you paying him on the payroll. If you're supporting that you're not. See you being dishonest and you and it's a dishonest net some mash and it grows so we have tax division we have welfare fraud we have the illegal entry and we have Social Security number somebody was talking to one of them interviewing them on TV and they should really that you. How did you get a Social Security now recently bought one but we don't know how does that work for you would you get a fake Social Security number would you line to government official. About your income. Would you doing those things if you're like most listeners to the show the answers no you would never do that but for some reason if you don't look the other way with someone else does -- there's something wrong with you do you feel like there's something wrong with few if we just want people follow along and really think about that which is why do we why do we not have the basic Tenet of our constitution and the formation of our nation which is to protect the populace to protect the borders of our nation it's written for some reason if you wanna do that there's something wrong with you if for some reason if you want to receive a baby's life at 24 weeks and you do anything to do that than your proclaim that their living human being then you're absolutely insane how does that feel when people tell you that don't believe your lying -- believe what they tell you there's been a long slog since the fifty's it's Leave It to -- is gone Marines some kind of horror movie if you read the Gaza now reports first of all you can't read it you get about three pages in and you'll be sick to your stomach what was going on in Philadelphia and you've never heard about it have you it was never convert it's impossible to cover it because it would make people sick so that's where we are. We're at a crossroads if you want to protect the borders if you wanna protect human life if if you want a little baby units birthday live rather than be slaughtered in the something wrong with you if you wanna pray that Christ and god then you're some kind of been not right wing even though the folks who came over on the mayflower came here for religious freedom even know the country was founded based on a Christian values and Christian teachings we're being told that's wrong now we're being told I can't recognize the number of groups that are now of people. Lifestyles things we need to support things we need to do things we can't say things we can't say how do you feel about that it's pretty sad state of affairs is an it is it is and somebody's doing something about it I think the president's very crude ma'am I'm shocked. This is the way he built buildings I don't know how we have built on what we're looking at the inside of this person's mind to these Twitter feeds and things it's it's like wrestling wrong or something. So we're we have to hope that there's some kind of you know it's a white knuckle grip right now for all of us so if he's gonna if he makes him if he blunders we all. Blunder almost lost so I have often had bravado in my life and I almost 100% of the time I have just like I've been slapped down and I have to deal with god when I have it he slaps me on the side of the head. And might not recognize it at first but eventually I do and I need to stop thinking do I need to do stay the course say your prayers that's what I'm telling you right now. Don't give. We have to pray for our president and pray front of people in our government arm. Authorities that they see the light here we can get back to basics and don't don't get worried. But it is it time for concern about where we're heading as a nation. Seniors seem funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning senior save money strapped. Portfolio income projections seniors. Money strapped. Call bill Kelly king 88300. In 1981 forward locally at 7818493090. Okay. It's. Coming up. Okay yeah. We're gonna get. Leave the it's hard. Maybe it. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly call nearly triple A 81881. Or locally at 78184939. Feet. Stay informed. Senior safe money strategies Tripoli 81881. Call today. Yeah. This is still account 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. Any NET 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 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. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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 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 to have. Crunches and we're going to have dinners at the new married not known to support the Newton office which is off the charts as the kids once I saw 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 any any any 80181. 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 -- you might stack up any pain any 800 when he hit one find out what the expense expenses are inside a -- 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 when it went and find out if you still want to continue to give away at that point five. 11 and a half two and a half four and a half percent every month or you want to put them in your pocket or not given out at all. Any any any 800 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. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Are you getting pays over five days bundle to any investing relationship. One is the ability of your professional. Another is availability. There's attitude action and accountability. Listen to bill Kelley senior safe money strategies called the 88881880. Wanted to speak to bill. What matters to build Kelly is here and we think you give him straight days. Now that we and we know that political risk the conceive look what's happening in Massachusetts and one of attacks on you know if you make a lot of money the problem is what's going to be a lot of money that's conjecture just what it's going to be opium which is a drug opium but it's also other people's money you need defend that. That's political risk people wanna fleece you need any any 80181. Of the books get the work books it was someone now protect what you have key point you have -- -- you won't grow a little bit and then if you wanna pass on some enjoyed doing and doing with a smile and with the assurance that you've done the right things so it was a senate branches and our dinners at the Tuscan kitchen into Newton Marion had the Babson College executive conference and a fantastic venue 888800. Wanted to anyone all of these things are available to you and right now they're all complimentary seems safe money strategies -- -- -- my name is bill can only the safe money strategies were focused 200 plus pages it's packed and my biography barely brook farm which you know exactly who you're dealing with any any any 80101. CU in Braintree CU in Burlington or Seale and Newton any pain pain in 200 wanted to point. Keep your family fortune in the family she what you have to use what you want. And pass along what's left. Are there trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard bureau six 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 his. New legislation is here now do not delay take decisive action to keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly. Schedule a review an appointment for a consulting session and have all of your questions answered. That's 88881881. Keep what you have use what you want and pass along what's left. Have built Kelly speaking your next function call 888801881. Today. Bill is available to address your group business or organization on any of the topics discussed during a show he's a featured motivational speaker before retirement club's business organizations conferences seminars as well as sales meetings in groups in need of vibrant approaches and new ideas. Gulf a day day 8018812. Arranged for a bill Kelly to speak before your group. Keep your family fortune in the family keep what you have. Use what you want and pass along what's left. Are they trillions of dollars in a higher rating and individual retirement accounts are going to be too much for Uncle Sam do overlook. Have you done tactical planning do strategically to argue restaurants 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 his new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 188881881. 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. Yeah. Keep what you have. Use what you want and pass along what's left. OK then you say goodbye to the people. And thank you for listening. Me.
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