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Speaker 1: It is coming to us.

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Speaker 2: Ladies and gentlemen, Welcome to Safe Money Strategies on WRKO.

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Speaker 2: I'm William Kelly and it's an honor to carry on

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Speaker 2: a family legacy rooted in real world values and practical advice.

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Speaker 2: Kelly Financial was founded in two thousand and three by

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Speaker 2: my parents, my late father Bill Kelly and my mother

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Speaker 2: Kelly Kelly and Braintree and Burlington, Massachusetts. Just two years later,

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Speaker 2: Dad launched Safe Money Strategies on WRKO as a no

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Speaker 2: nonsense call in radio show focused on common sense planning

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Speaker 2: and protecting wealth. Over the past two decades, Dad became

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Speaker 2: a pillar in New England finance, an engineer, turn entrepreneur,

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Speaker 2: author and philanthropist who believed in giving back and walking

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Speaker 2: the talk. Since our show has remained a Saturday morning staple,

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Speaker 2: offering insight and empowerment. Here at Kelly Financial, we help

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Speaker 2: steward over seven hundred million dollars across our affiliated business,

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Speaker 2: including more than five hundred million dollars managed by our

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Speaker 2: sec registered investment advisory. Where fiduciary care and our family

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Speaker 2: first philosophy guides us on safe money strategies. You'll hear

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Speaker 2: candid conversations with the team my mother Kelly, myself, advisors

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Speaker 2: Charlie Gable, Mike Ducett, Greg Workman, Greg Murray, my sister

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Speaker 2: Mary Madeline, and Tom Schlager. We live by two rules,

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Speaker 2: never quit and carry on, and we're here to help

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Speaker 2: you do the same when it comes to your money.

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Speaker 2: Stick around, take notes, and join the conversation. To learn

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Speaker 2: more or get our free guides or schedule a consultation,

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Speaker 2: visit Kelly Financial dot org or call us at eighty

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Speaker 2: eight eight eight hundred one eight eight one.

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Speaker 1: This is Safe Money Strategies.

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Speaker 2: Next up Forever Young with Kelly Kelly and myself William

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Speaker 2: Kelly Junior.

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Speaker 3: Safe Money Strategies with William Kelly and Kelly Kelly eight

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Speaker 3: eight hundred eighteen eighty one.

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Speaker 4: Each week on Safe Money Strategies, we take a moment

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Speaker 4: to step back from the headlines and have a real conversation,

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Speaker 4: the kind you might have around the kitchen table. This

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Speaker 4: is a part of the show we call Forever Young

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Speaker 4: is where I sit down with my son William Kelly Junior,

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Speaker 4: and we talk about life, what's going on in the world,

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Speaker 4: and our family and what really matters most When you're

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Speaker 4: planning for the future. Sometimes as light, sometimes as thoughtful,

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Speaker 4: but as always real. Good morning, William. How are you?

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Speaker 1: I'm great, Mom, How are you?

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Speaker 4: I'm doing absolutely great.

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Speaker 1: Absolutely great. Wow.

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Speaker 2: Yeah, that's good to hear. So Poppy, Carter and Tye

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Speaker 2: are on their way to us. I've had a slave

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Speaker 2: away in the house make sure everything was right and ready.

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Speaker 4: Oh stop.

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Speaker 2: I felt like Cinderella a little bit, you know, the

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Speaker 2: evil stepsisters.

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Speaker 4: Oh you were making all this.

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Speaker 2: I made her work so hard, and yeah, I just

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Speaker 2: you know, ladies and gentlemen, this is my only outlet

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Speaker 2: to complain, and I just had to let it out.

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Speaker 1: So you know, I'm grateful that I was able to

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Speaker 1: work so hard.

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Speaker 4: And if I had a violin right now, you are

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Speaker 4: such a jokester, William.

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Speaker 1: Well, I'm happy the family's coming. This is big, especially Poppy.

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Speaker 1: This is huge. And he's going to stay no for

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Speaker 1: quite a while.

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Speaker 2: And earlier we were talking about an impulse buy that

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Speaker 2: you bought for Poppy and you're you haven't told me yet.

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Speaker 1: We're gonna wait for the show.

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Speaker 2: And so here we are, and I want to hear

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Speaker 2: exactly what it is that you've got.

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Speaker 4: There have been no impulse spies.

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Speaker 1: This is mom's excuse every single time.

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Speaker 2: So first we get like a walking assistant, so you

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Speaker 2: can use the restroom a little bit easier and you

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Speaker 2: can stand up, and then there's this massage chair that

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Speaker 2: helps you stand up.

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Speaker 4: That was definitely no impulse by. The other one was

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Speaker 4: not an impulse.

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Speaker 2: So we're on two impulse bis. Now we're on the

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Speaker 2: third one, and I would like to hear.

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Speaker 4: What he has no idea. This one is a little

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Speaker 4: bit of an impulse by. I will admit that this one.

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Speaker 4: The other two were not.

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Speaker 1: You know, it's bad if she's emitting it a little bit. Yeah,

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Speaker 1: I want to hear it.

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Speaker 4: So what do you think it could be?

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Speaker 2: Something related to relaxation is going to be my guess.

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Speaker 2: I don't know if that's accurate. It could be inaccurate.

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Speaker 2: Maybe TV related. I know Poppy Love's watching TV, loves NCIS,

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Speaker 2: he loves watching Georgia play football, go dogs, and just

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Speaker 2: like you know, he doesn't need to worry about anything anymore.

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Speaker 2: He's retired now, you know, So what is it? I'm curious?

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Speaker 4: Okay, So while he is watching the Georgia Bulldogs or

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Speaker 4: one of his programs on TV, he can use his

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Speaker 4: new electric leg exercise or as scene on TV for seniors. Wow,

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Speaker 4: what do you think about that?

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Speaker 5: Yeah?

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Speaker 4: It has great reviews and a lot of them.

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Speaker 1: What does it do? It's elliptical, it's.

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Speaker 4: Under the desk, elliptic. It can be like under a desk.

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Speaker 1: It's so elliptical machine for you or does he have

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Speaker 1: to do?

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Speaker 4: It has a remote control. I think maybe you you

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Speaker 4: and Mary mad One may like it. I may like it.

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Speaker 4: I don't know. Twelve adjustable speeds really Yeah, it's also

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Speaker 4: for the home office.

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Speaker 1: Interesting.

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Speaker 4: Yeah, well, so what do you think do you think

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Speaker 4: you'll like this gift?

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Speaker 1: I think I think he will.

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Speaker 2: I think it'll it'll you know, kind of like bring

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Speaker 2: blood flow to his legs while he's sitting, you know

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Speaker 2: what I mean.

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Speaker 1: Yeah, So that's good.

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Speaker 4: Agree, it's like a new one. It's elliptical.

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Speaker 1: That's good.

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Speaker 2: We're upgrade in the house. I can I can use

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Speaker 2: a walker to stand up on the toilet. That's awesome.

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Speaker 4: Well, we do have a couple a low rider toilet.

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Speaker 4: So I wanted we do you know me? No, I

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Speaker 4: know I have to accommodate. But you faked Mary Madaline

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Speaker 4: and I out.

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Speaker 1: Yes I did.

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Speaker 4: I had William install them.

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Speaker 2: Yeah, so literally, they're just imagine them as normal walkers,

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Speaker 2: just with suction cups on the bottom. And I wanted

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Speaker 2: to freak everybody out. And Murray Madaline was like, wait,

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Speaker 2: so you got these these things? And I said, our

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Speaker 2: house is turning into like, you know.

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Speaker 1: An elderly home.

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Speaker 2: Oh, And I said, uh, Murray Madeline, I had to

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Speaker 2: install it in your bathroom, had to drill it to

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Speaker 2: the wall as part of the instructions.

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Speaker 1: And Mom and Maury Madaline were freaking.

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Speaker 4: Out there, and I went for it line and sinker.

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Speaker 4: I'm thinking, I thought it was portable, and I thought

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Speaker 4: there was like a suction like on the on the bottom.

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Speaker 1: It was mostly it wasn't to you as mostly to MM.

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Speaker 2: Because Murray Madalin, though she is a grown woman, lives

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Speaker 2: in her own place, this house is still like her house.

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Speaker 2: If you touch her room, it's over. If you touch

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Speaker 2: her bathroom, it's over. She comes here maybe once a

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Speaker 2: week or once every two weeks.

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Speaker 4: I'm glad. I'm glad she likes coming home.

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Speaker 2: And it's like, if you touch anything, if her bed

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Speaker 2: is messed up, if anything.

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Speaker 1: It's like, you know, count your days, it's over.

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Speaker 2: So I just wanted to give her a little guff

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Speaker 2: she fell for and then I was like, no, it's

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Speaker 2: just a normal walker.

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Speaker 4: Yeah, they're actually really cool. They are, and they were

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Speaker 4: very well priced.

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Speaker 2: Oh yeah, super easy to set up, like I didn't

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Speaker 2: even have to look at the directions.

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Speaker 4: It was super easy. So these are some basic things

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Speaker 4: I got him. One other thing, the no I told

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Speaker 4: you about this one, the ug bedroom shoes.

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Speaker 1: Hey you forgot about that.

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Speaker 4: Yeah they look they look nice.

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Speaker 1: Ugs are comfortable, they're really soft.

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Speaker 4: Yeah.

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Speaker 1: So there's that. And let's see, I've been signing books

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Speaker 1: that were mailing out.

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Speaker 4: Yes you have, so you like orders maailed out a ton,

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Speaker 4: Yeah we have.

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Speaker 2: I got to send one to my friend Johnny, to

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Speaker 2: my friend Ronnie, to a lot of the people that

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Speaker 2: ask questions on the a lot of clients, all the

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Speaker 2: contributors on there, they got the nurse I owe Mica copy, Charlie,

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Speaker 2: Greg Workman, a lot of folks.

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Speaker 1: Mur Mury has his. That's right. So I'm just signed it.

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Speaker 4: At the toy drive I did Burlington, which was a

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Speaker 4: hit success. That was a lot of what wonderful clients

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Speaker 4: we have. We had so much fun talking, oh yeah,

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Speaker 4: and sharing and everyone who was there was so generous.

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Speaker 1: Oh yeah, they brought a lot of toys.

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Speaker 4: They really took it serious.

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Speaker 2: There was this one client I'm not going to say

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Speaker 2: her name, but she knows who she is if she's

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Speaker 2: listening right now. And we were having a great conversation

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Speaker 2: and she is so thoughtful about her gifts. She was like,

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Speaker 2: I love shopping for the little kids, so much fun

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Speaker 2: shopping for others. She's like, gifts and Christmas are great

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Speaker 2: at all, but honestly, the better thing about Christmas is

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Speaker 2: going and giving, she said. So she said, you know,

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Speaker 2: I got this whole wooden train set. You can build

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Speaker 2: it in all sorts of ways. It was the coolest

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Speaker 2: train set. And in the back of my head, I

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Speaker 2: was like if I was four years old and I

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Speaker 2: got this ib ecstatic. And she has all these building

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Speaker 2: blocks stuff, and then she has like this teapot kit

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Speaker 2: and this beach kit and it's just like perfect toys

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Speaker 2: for kids. Just honestly, I'm a little jealous of these

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Speaker 2: children and this this client, again, she knows who she is,

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Speaker 2: super thoughtful, and I really, honestly I love that about people,

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Speaker 2: you know what I mean.

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Speaker 1: Yeah, I just thought that was really admirable.

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Speaker 2: I wanted to share that, and same with all the

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Speaker 2: other folks who brought gifts. They really they brought some

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Speaker 2: great gifts. Honestly, it's going to be a great Christmas.

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Speaker 2: This is really going to help the toy drive out

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Speaker 2: big time.

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Speaker 6: I know.

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Speaker 1: I like that we do this. I'm happy. It's a

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Speaker 1: yearly thing now.

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Speaker 2: Obviously, ladies and gentlemen, it's not over, you know what

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Speaker 2: I mean.

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Speaker 1: Absolutely, bring toys, keep it coming.

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Speaker 2: Yeah, it's just we have a Christmas tree at both

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Speaker 2: offices and whenever you drop off a toy, we put

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Speaker 2: under the Christmas tree, I know the one and bring.

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Speaker 4: And you'll get a gift back. Same gift back, Yes.

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Speaker 1: With my book in it, I believe.

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Speaker 4: Yes, Yes, send a couple of other things.

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Speaker 5: In there, that's true, so that you'll get something in

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Speaker 5: return as well. And maybe a hug I got too,

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Speaker 5: of course, that's right. Do keep us on your dial.

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Speaker 5: We've got a lot of great content coming your way.

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Speaker 5: Mike do Set and Greg Workman.

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Speaker 4: Will break down how AI is already embedded in your

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Speaker 4: retirement portfolio and why diversification matters more than ever. Mary

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Speaker 4: Madeline Kelly and Greg Murray will explain why adding a

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Speaker 4: trusted contact is one of the simplest and most important

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Speaker 4: ways to protect your finances, especially as we head into

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Speaker 4: a new year. William and I will be back and

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Speaker 4: we'll talk about balancing holiday traditions with inflation smart planning

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Speaker 4: so you can enjoy a meaningful Christmas without overspending and retirement.

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Speaker 4: And of course we'll close the hour with some wit

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Speaker 4: and wisdom from the late Bill Kelly. His words continue

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Speaker 4: to inspire and guide us. That's a wrap for forever young.

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Speaker 4: Thank you for listening, and William, thank you for joining us.

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Speaker 4: We'll be back with more content. I love you, honey,

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Speaker 4: I love you too, Mommy.

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Speaker 7: Christmas is right around the corner. And if you're looking

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Speaker 7: for the perfect gift for a young person in your life.

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Speaker 1: I've got it.

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Speaker 7: It's a brand new book written by William Kelly Junior

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Speaker 7: from Kelly Financial Services, and it's called Only the Good

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Speaker 7: invest Young.

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Speaker 1: This book is powerful.

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Speaker 7: It gives teenagers, called to students, young adults the roadmap

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Speaker 7: they need to start saving, planning and investing the right way.

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Speaker 7: And I'll tell you even people my age, yes and

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Speaker 7: I'm fifty six, are reading it. William actually quotes me

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Speaker 7: the Kooner Man in the book. I'm in the book.

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Speaker 7: So you can grab your copy right now on Amazon.

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Speaker 7: Just search only the good invest Young, and if you're

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Speaker 7: part of Kooner Country you can get a copy absolutely free.

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Speaker 7: Just tell them the cooner Man sent you and call

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Speaker 7: eight eight eight eight hundred and eighteen eighty one or

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Speaker 7: email Kelly at Kellyfinancial dot org. Give a gift that

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Speaker 7: truly matters this Christmas, something that can change a young

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Speaker 7: person's future. Only the good invest.

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Speaker 1: Young get it today. Welcome back to save money Strategies.

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Speaker 1: I'm like two, said chief operating Officer at Kelly Financial and.

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Speaker 8: I'm Bred Workman, investment advisor Here at Kelly Financial Services.

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Speaker 8: Today we're tackling a topic that seems to pop up

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Speaker 8: in almost every meeting lately, Artificial intelligence or AI and

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Speaker 8: what it means for your retirement plan.

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Speaker 1: Exactly right now. AI is everywhere. It's on the news,

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Speaker 1: on your phone, in your car, and yes, it's dominating

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Speaker 1: conversations in the investment world. We constantly hear should I

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Speaker 1: invest in AI? Or am I missing out on the

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Speaker 1: AI boom?

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Speaker 8: Behind those questions is an emotional fear of missing out.

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Speaker 8: People see headlines about companies like Nvidia jumping two hundred percent,

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Speaker 8: three hundred percent, sometimes more. It's natural to wonder whether

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Speaker 8: you two should be piling it. But here's our position,

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Speaker 8: and it might surprise you. Most retirees are already heavily

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Speaker 8: exposed to AI, even if they've never intentionally invested in

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Speaker 8: an AI stock.

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Speaker 1: That's the key point.

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Speaker 8: AI isn't like biotech or energy or any other sector

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Speaker 8: where you can neatly.

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Speaker 1: Draw a box around it.

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Speaker 8: AI is now embedded across almost every industry.

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Speaker 1: Look at your average diversified mutual fund or ETF. The

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Speaker 1: top holdings almost always include Apple, Microsoft, Amazon, Alphabet Meta.

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Speaker 1: Guess what. Every single one of these companies uses AI

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Speaker 1: deeply in their operations.

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Speaker 8: Even companies you wouldn't immediately associate with TECH like Home Deep, Walmart,

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Speaker 8: John Deere Ups. Those companies are using AI for logistics, forecasting, automation,

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Speaker 8: and productivity enhancement.

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Speaker 1: So when a client asked, should I invest in AI,

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Speaker 1: the truth is you already have. If you own a

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Speaker 1: well diversified portfolio of large cap stocks. Index funds are

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Speaker 1: balanced funds, AI exposure is built in.

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Speaker 8: Now, that doesn't mean individual AI leaders are not exciting,

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Speaker 8: and Nvidia is a monster, AMD, Broadcom, super Micro. They've

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Speaker 8: all benefited from AI infrastructure spending.

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Speaker 1: But most retirees aren't trying to swing for the fences.

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Speaker 1: They're trying to maintain steady income. They want to reduce volatility,

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Speaker 1: protect principle, and make sure the money lasts for thirty years.

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Speaker 8: And that's where concentration risk becomes a problem. You don't

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Speaker 8: want your retirement dependent upon whether one single high octane

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Speaker 8: stock has a good core, bad quarter, goodyear, bad year.

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Speaker 1: Look back at history Cisco in two thousand, Amazon in

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Speaker 1: two thousand and one, Intel in the early two thousands,

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Speaker 1: Tesla's wild swings Meta dropping seventy percent in one year.

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Speaker 1: Innovative companies can still be extremely volatile.

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Speaker 8: You don't want to take that kind of roller coaster

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Speaker 8: ride with your retirement income.

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Speaker 1: Let's bring in a real client example. We'll call them

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Speaker 1: Tom and Linda, both retired mid sixties. They came in

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Speaker 1: recently excited about AI investing.

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Speaker 8: They'd seen the headlines, they saw Nvidia up hundreds of percent,

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Speaker 8: and they asked a classic question, are we missing out?

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Speaker 1: We walked them through their actual portfolio, a broadly diversified

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Speaker 1: mix of US lodge cap funds, some mid and small caps.

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Speaker 1: They had international exposure, a high quality bond sleeve, dividend payers,

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Speaker 1: and alternatives for stability.

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Speaker 8: When we drilled into their fundhold bildings, guess what we found.

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Speaker 8: Their large cap fund already had Microsoft as the number

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Speaker 8: one position, Apple always in a top three, Amazon, Google, Nvidia,

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Speaker 8: Broadcom in the top ten.

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Speaker 1: Their portfolio had about twenty two percent exposure to companies

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Speaker 1: whose growth strategies are primarily driven by AI adoption and infrastructure.

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Speaker 1: That's a significant exposure without ever picking a single stock.

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Speaker 1: Tom and Linda laughed.

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Speaker 8: They said, we didn't realize we were already AI investors.

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Speaker 1: And more importantly, they were AI investors without the risk

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Speaker 1: of being overly concentrated in one stock. Please remember, individual

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Speaker 1: investment objectives, circumstances, and needs will vary. Individual securities mentioned

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Speaker 1: should not be construed as investment advice.

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Speaker 8: There's no doubt AI is transformative, no question about it.

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Speaker 8: It's changing how companies forecast revenue, built products, analyze data,

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Speaker 8: how they market to consumers, how they manage supply chains,

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Speaker 8: and how they automate repetitive work.

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Speaker 1: But here's the disconnect. We see AI is changing the

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Speaker 1: world faster than anyone expected, but that doesn't mean you

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Speaker 1: should radically change your retirement portfolio.

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Speaker 8: Productivity booms do create long term economic benefits, but they

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Speaker 8: also create short term media.

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Speaker 1: Think about the late nineteen nineties. The Internet was truly revolutionary,

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Speaker 1: but that didn't start many Internet stocks from losing eighty

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Speaker 1: to one hundred percent of their value when the bubble burst.

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Speaker 8: That's why retirees need a balanced, disciplined approach. You want

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Speaker 8: to benefit from AI's long term influence without exposing yourself

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Speaker 8: to the volatility that often accompanies these transformational trends.

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Speaker 1: The beauty of a diversified portfolio is that you get

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Speaker 1: the AI tailwind through hundreds of companies.

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Speaker 8: Exactly, instead of betting on a single sector leader, you

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Speaker 8: own the chip makers, the cloud builders, the software innovators,

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Speaker 8: the data companies, the automation providers, and the traditional companies

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Speaker 8: using artificial intelligence to boost their profits.

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Speaker 1: You get the potential for winners without having to predict

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Speaker 1: which companies will dominate five years from now.

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Speaker 8: And meanwhile, the rest of your portfolio bonds, dividend stocks,

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Speaker 8: defensive equities. Those components help keep your volatility or the

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Speaker 8: ups and downs manageable.

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Speaker 1: We always ask clients the sleep test. Could you sleep

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Speaker 1: at night if twenty five percent of your portfolio was

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Speaker 1: tied to a single stock, even if it's the next

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Speaker 1: big thing.

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Speaker 8: Most retirees say no, and that's why we aim to

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Speaker 8: build portfolios that give you AI exposure without sacrificing stability.

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Speaker 1: You don't have to choose between innovation and diversification. You

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Speaker 1: could have both, just in the propose portions designed to

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Speaker 1: work for your situation.

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Speaker 8: When we come back, we're going to talk about how

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Speaker 8: AI influences market valuations, why diversification is more important in

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Speaker 8: the AI era than ever before, specific steps today's retirees

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Speaker 8: can take to build AI exposure in their investment portfolio responsibly.

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Speaker 8: And we'll wrap with another client story, someone who is

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Speaker 8: overexposed to AI without even realizing it, And.

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Speaker 1: We'll share how to get your free copy of our

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Speaker 1: Safe Money Strategies Retirement workbook. Stick with us. We'll be

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Speaker 1: right back.

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Speaker 3: Kelly Financial Services eight hundred eighteen eighty one.

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Speaker 1: Hi, everyone, this is William Kelly.

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Speaker 2: If you've ever wished you learn about money sooner, That's

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Speaker 2: why I wrote Only the Good invest You, a simple,

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Speaker 2: encouraging guide with real worlds steps anyone can follow. I

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Speaker 2: kept seeing the same thing people wishing someone had explained

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Speaker 2: the basics earlier. How to save, build good habits, avoid

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Speaker 2: costly mistakes, and create momentum even when you're starting small,

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Speaker 2: whether you're.

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Speaker 1: Eighteen or eighty.

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Speaker 2: This book is about confidence, clarity, and taking action. And

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Speaker 2: with the holidays coming up, only the good invest young

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Speaker 2: makes a great Christmas gift for a child, a grandchild,

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00:20:26,320 --> 00:20:28,919
Speaker 2: or anyone who needs that nudge to start strong. For

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00:20:28,960 --> 00:20:31,800
Speaker 2: our listeners, we're sending out complimentary copies.

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Speaker 1: Just call eight eight eight eight.

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Speaker 2: Hundred twenty one or email Kelly at Kellyfinancial dot org

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00:20:37,480 --> 00:20:39,919
Speaker 2: and we'll send you one at no charge. You can

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Speaker 2: also purchase a softcover on Amazon or an ebook on Kindle.

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Speaker 2: I'm William Kelly, and I hope this book helps someone

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Speaker 2: you love take their first step.

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Speaker 4: I'm Kelly Kelly from Kelly Financial. Is your financial advisor

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Speaker 4: a fiduciary? In other words, are they legally required to

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Speaker 4: act in your best interest? My complimentary book, Retire Your Fear,

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Speaker 4: Plan Your Future, explains what a fiduciary is and will

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Speaker 4: help you understand if an advisor is really putting you first.

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Speaker 4: For the book Call eight eight eight eight hundred and

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Speaker 4: eighteen eighty one or email Kelly at Kellyfinancial dot org.

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Speaker 4: We're Kelly Financial. Come retire with us.

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Speaker 3: And the Money Wrap with Kelly Financial Advisors Greg Murray

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Speaker 3: and Mary Madeline Kelly.

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Speaker 9: Hello, this is Greg Murray, Senior vice president and Chief

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Speaker 9: Compliance Officer at Kelly Financial Services. Joining me today is

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Speaker 9: Mary Madeline Kelly, one of our wealth advisors.

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Speaker 1: How are you doing today? I'm great, Greg.

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Speaker 10: It feels like December is just flying by and everyone

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Speaker 10: is in that end of year mode, holiday events, getting

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Speaker 10: organized and checking things off the list. It's busy, but

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Speaker 10: it's a fun kind of busy.

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Speaker 9: And the end of your mindset is a perfect time

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Speaker 9: to tie up some of those important financial loose ends,

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Speaker 9: the things that don't take long but can make a

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Speaker 9: big difference. And that brings us today's topic. Why adding

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Speaker 9: a trusted contact to your account is so important?

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Speaker 10: Yes, and this is one of those things a lot

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Speaker 10: of people don't even realize that they need. A trusted

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Speaker 10: contact is simply someone you authorize your financial firm to

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Speaker 10: reach out to if there's ever a concern about your account,

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Speaker 10: especially if they can't reach you or something just doesn't

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Speaker 10: seem right exactly.

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Speaker 9: And one of the biggest misunderstandings I'd like to clarify

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Speaker 9: is that a trusted contact does not have access to

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Speaker 9: your money. They can't make trades, they can't withdraw funds,

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Speaker 9: and they can't change your account. They're just the point

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Speaker 9: of contact, a safeguard.

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Speaker 10: It's like adding an emergency contact, but for your finances.

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Speaker 10: If there's ever unusual activity, a missed R and D,

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Speaker 10: trouble reaching you, concerns about fraud, or signs of cognitive decline,

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Speaker 10: your advisor has someone you trust that they can.

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Speaker 9: Speak to, and unfortunately, these situations do come up. We've

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Speaker 9: seen cases where someone becomes ill, loses a phone, has

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Speaker 9: an unexpected medical event, or even falls victim to a scam.

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Speaker 9: When we have a trusted contact on file, we can

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Speaker 9: intervene quickly and appropriately.

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Speaker 10: Absolutely, and especially as people get older, this becomes really important.

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Speaker 10: The financial industry has a rise in elder financial abuse,

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Speaker 10: everything from scam calls to fake charities to online fraud.

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Speaker 10: Having a trusted contact can help spot something that doesn't

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Speaker 10: seem right before it becomes a major problem.

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Speaker 9: It's also helpful in more routine situations. Let's say we

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Speaker 9: noticed a client hasn't taken their RMD and we can't

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Speaker 9: reach them. With a trust in contact, we can reach

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Speaker 9: out to someone you trust to just make sure they're

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Speaker 9: okay and avoid penalties.

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Speaker 10: Or if there's a sudden change in your withdrawal plan,

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Speaker 10: or if someone tries to make an unusual transfer, it

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Speaker 10: gives us a second set of eyes to verify that

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Speaker 10: everything is legitimate and in your best interest.

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00:23:37,680 --> 00:23:40,560
Speaker 9: Another thing people might not realize is that regulators now

444
00:23:40,640 --> 00:23:43,960
Speaker 9: encourage firms as clients for a trusted contact. It's considered

445
00:23:43,960 --> 00:23:47,600
Speaker 9: a best practice for protecting investors, especially retirees.

446
00:23:47,800 --> 00:23:51,359
Speaker 10: Yes, and it's totally voluntary, but highly recommended. You can

447
00:23:51,440 --> 00:23:54,760
Speaker 10: choose a child, a sibling, a close friend, or even

448
00:23:54,800 --> 00:23:57,280
Speaker 10: a professional like an attorney. The key is that it's

449
00:23:57,280 --> 00:23:59,399
Speaker 10: someone who knows you well and would act in your

450
00:23:59,400 --> 00:24:00,200
Speaker 10: best interest.

451
00:24:00,280 --> 00:24:02,760
Speaker 9: In the best part, you can change your trusted contact

452
00:24:02,760 --> 00:24:05,880
Speaker 9: at any time if life circumstances change, maybe you want

453
00:24:05,920 --> 00:24:07,720
Speaker 9: to add someone new or remove someone.

454
00:24:07,800 --> 00:24:09,080
Speaker 1: It's as simple as updating a.

455
00:24:09,040 --> 00:24:11,240
Speaker 10: Form, and it only takes a minute, but that minute

456
00:24:11,280 --> 00:24:13,720
Speaker 10: could save you or your family from a huge financial

457
00:24:13,800 --> 00:24:16,520
Speaker 10: headache down the road. It's one of the easiest protections

458
00:24:16,560 --> 00:24:17,399
Speaker 10: you can put in place.

459
00:24:17,560 --> 00:24:19,919
Speaker 9: So for our listeners here the main reasons adding a

460
00:24:19,920 --> 00:24:23,040
Speaker 9: trusted contact is important. They help protect you from fraud

461
00:24:23,160 --> 00:24:26,720
Speaker 9: and financial exploitation. They can be contacted if you're unreachable.

462
00:24:26,960 --> 00:24:30,560
Speaker 9: They help advisors verify in usual activity, They provide extra

463
00:24:30,600 --> 00:24:34,320
Speaker 9: support in emergencies or health related situations, and they have

464
00:24:34,400 --> 00:24:36,960
Speaker 9: no access to your money, only to communicate.

465
00:24:37,080 --> 00:24:40,080
Speaker 10: Perfect summary, this is all about providing an extra layer

466
00:24:40,119 --> 00:24:43,359
Speaker 10: of security and giving yourself and your family more peace

467
00:24:43,359 --> 00:24:43,760
Speaker 10: of mind.

468
00:24:43,880 --> 00:24:46,640
Speaker 9: Absolutely, at Kelly Financial, when the client adds a trust

469
00:24:46,720 --> 00:24:48,879
Speaker 9: in contact, it gives us the ability to step in

470
00:24:48,920 --> 00:24:52,000
Speaker 9: at the right time, not to interfere, but to protect.

471
00:24:51,720 --> 00:24:54,200
Speaker 10: Because at the end of the day, financial planning isn't

472
00:24:54,280 --> 00:24:57,080
Speaker 10: just about growing your money, it's about safeguarding it and

473
00:24:57,119 --> 00:24:59,160
Speaker 10: making sure your wishes are respected well.

474
00:24:59,200 --> 00:25:01,440
Speaker 9: Said Sophie. I haven't added a trust to contact to

475
00:25:01,480 --> 00:25:03,800
Speaker 9: your accounts yet. Now is a great time to do it,

476
00:25:03,960 --> 00:25:05,800
Speaker 9: especially as we wrap up the end of the year.

477
00:25:05,960 --> 00:25:08,119
Speaker 9: It's quick, it's simple, and it might be one of

478
00:25:08,160 --> 00:25:09,520
Speaker 9: the most important steps.

479
00:25:09,240 --> 00:25:10,000
Speaker 1: You take this season.

480
00:25:10,160 --> 00:25:12,680
Speaker 10: And of course, if you need help updating your accounts

481
00:25:12,840 --> 00:25:15,440
Speaker 10: or have questions about whom to choose, give us a call.

482
00:25:15,480 --> 00:25:16,360
Speaker 10: We're always here to help.

483
00:25:16,480 --> 00:25:18,800
Speaker 9: Absolutely that's going to wrap things up. Thank you for

484
00:25:18,840 --> 00:25:20,200
Speaker 9: your time, Mary Madeline.

485
00:25:19,960 --> 00:25:21,479
Speaker 1: You too, Greg, have a great weekend.

486
00:25:21,920 --> 00:25:24,800
Speaker 3: To get in touch with Greg Murray or Mary Madeline

487
00:25:24,880 --> 00:25:28,440
Speaker 3: Kelly or any member of the Kelly Financial Team, call

488
00:25:28,600 --> 00:25:36,520
Speaker 3: eight eight eight hundred eighteen eighty one Safe Money Strategies

489
00:25:36,840 --> 00:25:40,199
Speaker 3: with William Kelly and Kelly Kelly. Call the team on

490
00:25:40,400 --> 00:25:43,600
Speaker 3: eight eight eight hundred eighteen eighty one.

491
00:25:44,960 --> 00:25:51,959
Speaker 4: Care good morning, and welcome back to Save Money Strategies.

492
00:25:52,359 --> 00:25:56,760
Speaker 4: I'm Kelly Kelly here with my son William Kelly. We

493
00:25:56,800 --> 00:25:59,720
Speaker 4: are in the heart of the holiday season now and

494
00:25:59,800 --> 00:26:02,199
Speaker 4: if if you're like so many retirees we speak with

495
00:26:02,359 --> 00:26:05,920
Speaker 4: every week, you may be noticing that you're a holiday

496
00:26:06,000 --> 00:26:10,600
Speaker 4: budget doesn't just stretch like it used to. Things feel

497
00:26:10,640 --> 00:26:15,600
Speaker 4: more expensive because they are more expensive exactly.

498
00:26:15,800 --> 00:26:18,720
Speaker 2: Groceries are a big one. People tell us all the time.

499
00:26:18,920 --> 00:26:21,280
Speaker 2: We used to do a huge Christmas dinner and it

500
00:26:21,320 --> 00:26:26,800
Speaker 2: didn't take so much planning. And now even the basics, turkey, vegetables, desserts,

501
00:26:27,160 --> 00:26:28,720
Speaker 2: they all add up quickly.

502
00:26:28,800 --> 00:26:34,720
Speaker 4: And then comes gifts and travel and postage and holiday events.

503
00:26:35,080 --> 00:26:38,080
Speaker 4: It can all get overwhelming. If there isn't a plan.

504
00:26:38,640 --> 00:26:41,520
Speaker 4: But here's the good news. The real heart of the

505
00:26:41,600 --> 00:26:46,160
Speaker 4: holidays has never been about price tags or pressure, has

506
00:26:46,200 --> 00:26:48,680
Speaker 4: always been about connection.

507
00:26:48,600 --> 00:26:53,200
Speaker 2: And retirees, especially grandparents, often feel obligated to go all out.

508
00:26:53,680 --> 00:26:56,639
Speaker 2: They want to make everything magical, but the truth is

509
00:26:56,800 --> 00:27:00,280
Speaker 2: the most meaningful parts of Christmas are rarely the most unto.

510
00:27:01,040 --> 00:27:04,399
Speaker 4: That's right. There are studies that show people remember the

511
00:27:04,520 --> 00:27:10,119
Speaker 4: experiences the things we repeat year after year, far more

512
00:27:10,200 --> 00:27:15,000
Speaker 4: than they remember what they unwrapped. So a powerful mindset

513
00:27:15,160 --> 00:27:19,840
Speaker 4: shift can be simply saying our goal this year is connection,

514
00:27:20,320 --> 00:27:22,040
Speaker 4: not consumption.

515
00:27:22,000 --> 00:27:25,080
Speaker 2: And that mindset actually helps you enjoy the season more.

516
00:27:25,560 --> 00:27:29,200
Speaker 2: There's less stress less skill less comparison to what others

517
00:27:29,240 --> 00:27:32,520
Speaker 2: are doing. You get to be present instead of feeling pressure.

518
00:27:32,920 --> 00:27:36,000
Speaker 4: And retires are the ones who really set the tone

519
00:27:36,040 --> 00:27:40,400
Speaker 4: for the family. If you keep things simple and love centered,

520
00:27:40,880 --> 00:27:44,320
Speaker 4: everyone else follows your lead, and when you communicate that

521
00:27:44,560 --> 00:27:50,479
Speaker 4: clearly early in the season, it helps align expectations people

522
00:27:50,520 --> 00:27:51,840
Speaker 4: breathe a little easier.

523
00:27:52,280 --> 00:27:56,920
Speaker 2: One practical idea is rotating responsibilities. If decorating the entire

524
00:27:56,960 --> 00:27:59,760
Speaker 2: house or hosting the whole dinner is becoming physically or

525
00:27:59,800 --> 00:28:04,120
Speaker 2: fine financially, tougher someone else can take turn. Traditions aren't

526
00:28:04,160 --> 00:28:07,360
Speaker 2: ruined when they change, They simply evolve, and that's.

527
00:28:07,200 --> 00:28:11,800
Speaker 4: A beautiful point for retirees to remember. A tradition doesn't

528
00:28:11,880 --> 00:28:14,600
Speaker 4: have to look the same every year to be meaningful.

529
00:28:15,160 --> 00:28:20,040
Speaker 4: Sometimes simplifying makes it better. It makes it more doable.

530
00:28:20,680 --> 00:28:24,639
Speaker 4: For example, instead of hosting a huge meal, turn it

531
00:28:24,680 --> 00:28:28,119
Speaker 4: into a pot luck. You provide the core dish and

532
00:28:28,240 --> 00:28:32,680
Speaker 4: everyone else brings sides or desserts. It costs less, there's

533
00:28:32,760 --> 00:28:36,240
Speaker 4: less work and everyone contributes to the joy.

534
00:28:36,720 --> 00:28:40,600
Speaker 2: Or choose activity based traditions that almost cost nothing. A

535
00:28:40,640 --> 00:28:43,960
Speaker 2: family game night, driving around the neighborhood to look at lights,

536
00:28:44,400 --> 00:28:48,600
Speaker 2: putting on Christmas music, and decorating together, printing old photos

537
00:28:48,640 --> 00:28:50,080
Speaker 2: and telling stories behind them.

538
00:28:50,440 --> 00:28:54,400
Speaker 4: It's simple but powerful, and one of the biggest opportunities

539
00:28:54,440 --> 00:28:58,320
Speaker 4: for retirees to stay on budget is gifting. Gifts do

540
00:28:58,440 --> 00:29:02,440
Speaker 4: not have to be expensive to be meaningful. A handwritten note,

541
00:29:02,760 --> 00:29:06,880
Speaker 4: a framed picture, a favorite book you already own and

542
00:29:06,920 --> 00:29:11,120
Speaker 4: want to pass down, a recipe card in your own handwriting.

543
00:29:11,680 --> 00:29:15,800
Speaker 4: That's legacy. That's love and the family will cherish it.

544
00:29:16,400 --> 00:29:19,840
Speaker 2: Another thing that helps set a family gift plan. Maybe

545
00:29:19,920 --> 00:29:23,360
Speaker 2: it's kids only. Maybe it's drawing names, maybe it's setting

546
00:29:23,360 --> 00:29:26,520
Speaker 2: a smaller dollar limit so no one feels pressure. These

547
00:29:26,520 --> 00:29:30,320
Speaker 2: decisions protect the joy and the budget, because.

548
00:29:30,040 --> 00:29:34,320
Speaker 4: Let's be honest, the holidays should not jeopardize retirement savings.

549
00:29:34,600 --> 00:29:37,480
Speaker 4: You worked hard to build the future you have today.

550
00:29:37,960 --> 00:29:41,719
Speaker 4: Overspending for a single month shouldn't disrupt a plan that

551
00:29:41,840 --> 00:29:44,280
Speaker 4: needs to last twenty to thirty years.

552
00:29:44,760 --> 00:29:49,360
Speaker 2: Absolutely, that's why planning matters so much for retirees. Prices

553
00:29:49,360 --> 00:29:52,880
Speaker 2: are still elevated and inflation doesn't just hit during December.

554
00:29:53,440 --> 00:29:57,120
Speaker 2: It's impacting spending all your long So making smart decisions

555
00:29:57,160 --> 00:30:00,960
Speaker 2: now really does support a secure, confident retirement leader.

556
00:30:01,440 --> 00:30:06,000
Speaker 4: And financial stress, especially at the holidays, can take away

557
00:30:06,040 --> 00:30:10,400
Speaker 4: from what really matters. You want to enjoy the grandchildren.

558
00:30:10,800 --> 00:30:17,160
Speaker 4: You want to laugh, relax, worship, celebrate, and reflect. Those

559
00:30:17,200 --> 00:30:20,760
Speaker 4: are the moments that make this time special. When you

560
00:30:20,840 --> 00:30:24,360
Speaker 4: have a plan, your mind is free to be present.

561
00:30:24,960 --> 00:30:27,720
Speaker 2: So here's a question for all of those listening. What

562
00:30:27,880 --> 00:30:29,960
Speaker 2: is the one thing you could simplify this year that

563
00:30:30,000 --> 00:30:32,360
Speaker 2: would make the holiday feel lighter and more intentional?

564
00:30:33,040 --> 00:30:35,200
Speaker 1: Just one thing, It can make all the difference.

565
00:30:35,680 --> 00:30:39,440
Speaker 4: And if you're thinking, we could simplify, but we still

566
00:30:39,520 --> 00:30:43,720
Speaker 4: want to feel secure financially. That's where a conversation with

567
00:30:43,800 --> 00:30:48,440
Speaker 4: a fiduciary advisor can help. We help retirees every day

568
00:30:48,680 --> 00:30:52,320
Speaker 4: understand where their income is coming from and how to

569
00:30:52,400 --> 00:30:57,680
Speaker 4: protect their purchasing power, not just this Christmas, but five, ten,

570
00:30:58,040 --> 00:31:02,000
Speaker 4: twenty years from now. Because when inflation pushes up the

571
00:31:02,080 --> 00:31:07,040
Speaker 4: cost of food, travel, gifts, all the things retires regularly

572
00:31:07,080 --> 00:31:10,880
Speaker 4: spend money on, you deserve a plan that keeps up.

573
00:31:11,520 --> 00:31:13,760
Speaker 2: And to make that easier, we have a free guide

574
00:31:13,800 --> 00:31:17,720
Speaker 2: that many of you already requested, Inflation and your Retirement.

575
00:31:18,120 --> 00:31:21,800
Speaker 2: It explains why every day essentials cost more for retirees,

576
00:31:22,280 --> 00:31:26,080
Speaker 2: how inflation quietly chips away at buying power, Simple steps

577
00:31:26,080 --> 00:31:29,800
Speaker 2: to strengthen your retirement income strategy, Ways to stay financially

578
00:31:29,800 --> 00:31:31,200
Speaker 2: confident when prices rise.

579
00:31:31,880 --> 00:31:35,800
Speaker 4: It's an easy, practical read and you'll finish it feeling

580
00:31:35,880 --> 00:31:39,640
Speaker 4: more informed and more empowered, and we love to get

581
00:31:39,680 --> 00:31:43,600
Speaker 4: a copy in your hands today. To request your free guide,

582
00:31:43,720 --> 00:31:47,000
Speaker 4: call us at eight eight eight eight hundred eighteen eighty

583
00:31:47,040 --> 00:31:51,880
Speaker 4: one or email Kelly at Kellyfinancial dot org.

584
00:31:52,200 --> 00:31:54,720
Speaker 2: Stay with us, because coming up next we're going to

585
00:31:54,720 --> 00:32:00,280
Speaker 2: take this conversation even deeper. We're talking frugal celebrations, creative gifting,

586
00:32:00,680 --> 00:32:03,600
Speaker 2: and smart financial moves that help protect peace of mind

587
00:32:03,720 --> 00:32:04,880
Speaker 2: during the holidays.

588
00:32:05,240 --> 00:32:09,719
Speaker 4: More insights coming your way Next. You're listening to safe

589
00:32:09,760 --> 00:32:16,280
Speaker 4: Money Strategies right here on WRKO.

590
00:32:16,520 --> 00:32:20,640
Speaker 3: Safe Money Strategies brought to you by Kelly Financial Services.

591
00:32:20,800 --> 00:32:24,600
Speaker 3: Call eight eight eight eight hundred eighteen eighty one or

592
00:32:24,680 --> 00:32:26,600
Speaker 3: visit Kellyfinancial dot org.

593
00:32:27,200 --> 00:32:31,160
Speaker 11: Ready to enjoy your golden years without worry. At Kelly Financial,

594
00:32:31,240 --> 00:32:34,600
Speaker 11: we know retirement planning can be overwhelming. With more than

595
00:32:34,640 --> 00:32:38,320
Speaker 11: twenty two years of experience, our friendly team of advisors

596
00:32:38,400 --> 00:32:41,600
Speaker 11: makes it easy and stress free. Trust us to help

597
00:32:41,640 --> 00:32:45,160
Speaker 11: you create a secure and enjoyable future. For a free

598
00:32:45,160 --> 00:32:49,440
Speaker 11: initial retirement consultation, called eight eight eight eight hundred eighteen

599
00:32:49,520 --> 00:32:53,280
Speaker 11: eighty one or email Kelly at Kelly Financial dot org.

600
00:32:53,480 --> 00:32:54,640
Speaker 11: We're Kelly Financial.

601
00:32:54,800 --> 00:32:59,600
Speaker 3: Come retire with us Safe Money Strategies with William Kelly

602
00:32:59,760 --> 00:33:03,640
Speaker 3: and Kelly Kelly. Call the team on eight eight hundred

603
00:33:03,960 --> 00:33:05,240
Speaker 3: eighteen eighty one.

604
00:33:09,560 --> 00:33:13,680
Speaker 4: Welcome back to Save Money Strategies. I'm Kelly Kelly with

605
00:33:13,760 --> 00:33:18,040
Speaker 4: my son William, and we are talking today about creating

606
00:33:18,120 --> 00:33:23,720
Speaker 4: a holiday that is both joyful and financially responsible, something

607
00:33:23,920 --> 00:33:26,719
Speaker 4: every retiree deserves.

608
00:33:26,320 --> 00:33:28,200
Speaker 2: And one of the best ways to make the season

609
00:33:28,240 --> 00:33:32,200
Speaker 2: more enjoyable is to lead with purpose. When retirees decide

610
00:33:32,240 --> 00:33:34,479
Speaker 2: why they want to celebrate the way they do, it

611
00:33:34,520 --> 00:33:36,760
Speaker 2: becomes easier to say yes to the things that bring

612
00:33:36,840 --> 00:33:39,600
Speaker 2: joy and know to the things that just cost money.

613
00:33:39,800 --> 00:33:43,120
Speaker 4: Purpose protects your piece. If you know what matters most,

614
00:33:43,440 --> 00:33:49,920
Speaker 4: quality time with family, faith, traditions, simplicity, then holiday spending

615
00:33:50,160 --> 00:33:54,520
Speaker 4: becomes intentional. You spend where it counts, and you skip

616
00:33:54,600 --> 00:33:57,080
Speaker 4: the extras that used to sneak into the car.

617
00:33:57,560 --> 00:34:00,200
Speaker 2: There's a really interesting survey that shows people who set

618
00:34:00,200 --> 00:34:02,800
Speaker 2: a spending intention at the start of the season spend

619
00:34:02,840 --> 00:34:05,720
Speaker 2: up to thirty percent less, and they report and join

620
00:34:05,800 --> 00:34:06,680
Speaker 2: the holidays more.

621
00:34:07,120 --> 00:34:09,040
Speaker 1: Purpose is a powerful budget tool.

622
00:34:09,239 --> 00:34:12,680
Speaker 4: And when you think about gift giving through the same lens,

623
00:34:13,040 --> 00:34:17,120
Speaker 4: it opens up possibilities that are far more meaningful. A

624
00:34:17,200 --> 00:34:21,439
Speaker 4: heartfelt letter, a favorite Christmas poem you love to read

625
00:34:21,480 --> 00:34:26,080
Speaker 4: each year, a framed photo from a special moment. Things

626
00:34:26,120 --> 00:34:29,919
Speaker 4: that say I love you, I'm proud of you, I'm

627
00:34:29,960 --> 00:34:30,959
Speaker 4: thankful for you.

628
00:34:31,280 --> 00:34:32,080
Speaker 1: We have to say.

629
00:34:32,440 --> 00:34:34,920
Speaker 2: Meaning is the most valuable gift you can give, and

630
00:34:34,960 --> 00:34:38,440
Speaker 2: retirees are uniquely positioned to give meaning because they carry

631
00:34:38,480 --> 00:34:41,000
Speaker 2: wisdom and memories that only they can share.

632
00:34:41,440 --> 00:34:45,120
Speaker 4: And when you do choose to purchase gifts, set boundaries

633
00:34:45,160 --> 00:34:48,800
Speaker 4: that protect your budget. That might be a family wide

634
00:34:48,920 --> 00:34:53,240
Speaker 4: limit or deciding that only the kids receive gifts this year.

635
00:34:54,000 --> 00:34:58,800
Speaker 4: Those kinds of decisions foster gratitude instead of financial stress.

636
00:34:59,480 --> 00:35:02,360
Speaker 2: And I always remind people gifts don't have the last forever,

637
00:35:02,719 --> 00:35:05,200
Speaker 2: but the message in a handwritten card often does.

638
00:35:05,719 --> 00:35:10,839
Speaker 4: That's beautifully said. Now let's talk about traditions, because that's

639
00:35:10,920 --> 00:35:16,760
Speaker 4: another place where tires can feel pressure. Hosting, decorating, cooking.

640
00:35:17,360 --> 00:35:21,600
Speaker 4: Those are gifts of time, energy, and money. It's okay

641
00:35:21,640 --> 00:35:24,680
Speaker 4: to simplify without losing any of the magic.

642
00:35:25,080 --> 00:35:29,360
Speaker 2: Absolutely, you can build joy with creativity, not cash. Maybe

643
00:35:29,360 --> 00:35:32,320
Speaker 2: you invite the grandchildren over to decorate cookies using supplies

644
00:35:32,320 --> 00:35:35,000
Speaker 2: you already have. Maybe you host a family game night

645
00:35:35,040 --> 00:35:37,560
Speaker 2: instead of a big night out. Maybe it's as simple

646
00:35:37,600 --> 00:35:40,799
Speaker 2: as putting on Christmas music and watching old home videos.

647
00:35:41,120 --> 00:35:45,319
Speaker 4: We always encourage listeners. If you want to create a

648
00:35:45,360 --> 00:35:49,480
Speaker 4: new tradition, this easy and affordable, start small and keep

649
00:35:49,520 --> 00:35:52,920
Speaker 4: it fine. If everyone enjoys it, it becomes something you

650
00:35:52,960 --> 00:35:56,000
Speaker 4: look forward to every year without straining the.

651
00:35:56,000 --> 00:35:59,800
Speaker 2: Budget, and food is a big budget category, so play ahead.

652
00:36:00,160 --> 00:36:03,880
Speaker 2: Grocery prices have been stubborn lately, and retirees feel that

653
00:36:03,960 --> 00:36:07,000
Speaker 2: more than anyone because essentials make up a bigger portion

654
00:36:07,120 --> 00:36:08,239
Speaker 2: of spending in retirement.

655
00:36:08,520 --> 00:36:13,279
Speaker 4: Yes, shop earlier when prices are better, use store coupons

656
00:36:13,320 --> 00:36:17,560
Speaker 4: and apps. Those savings add up quickly when you're cooking

657
00:36:17,600 --> 00:36:21,040
Speaker 4: for a family, and don't hesitate to ask others to

658
00:36:21,120 --> 00:36:24,680
Speaker 4: pitch in. People love to help. It makes the meal

659
00:36:24,880 --> 00:36:25,719
Speaker 4: more communal.

660
00:36:26,320 --> 00:36:29,120
Speaker 2: Travel is another one. If family has spread out, take

661
00:36:29,160 --> 00:36:32,320
Speaker 2: turns visiting each other every year instead of always making

662
00:36:32,360 --> 00:36:35,720
Speaker 2: the long trip, or choose a less expensive travel window

663
00:36:35,760 --> 00:36:37,960
Speaker 2: if you can't. There are so many ways to celebrate

664
00:36:37,960 --> 00:36:39,560
Speaker 2: without over committing financially.

665
00:36:39,880 --> 00:36:44,399
Speaker 4: And what we've seen is that unrealistic expectations can lead

666
00:36:44,480 --> 00:36:49,320
Speaker 4: to stress and even disappointment. But when families talk openly,

667
00:36:49,719 --> 00:36:54,040
Speaker 4: everything gets easier. It might sound like we want a

668
00:36:54,120 --> 00:36:56,760
Speaker 4: meaningful and simple Christmas this year.

669
00:36:56,960 --> 00:37:00,880
Speaker 2: Let's focus on time together, simple, clear and loving. That

670
00:37:01,000 --> 00:37:03,200
Speaker 2: kind of honesty keeps the holidays.

671
00:37:02,760 --> 00:37:06,920
Speaker 4: Joyful, and that brings us to the bigger financial picture.

672
00:37:07,440 --> 00:37:11,439
Speaker 4: Retirement is a long journey. You want to enjoy these

673
00:37:11,480 --> 00:37:16,960
Speaker 4: holidays year after year, so protecting your purchasing power matters.

674
00:37:17,320 --> 00:37:21,200
Speaker 4: Inflation isn't just a headline. It affects the core of

675
00:37:21,239 --> 00:37:28,600
Speaker 4: your lifestyle. Food, gas, utilities, prescriptions, travel, Those are the

676
00:37:28,680 --> 00:37:32,279
Speaker 4: real categories that impact retirees most.

677
00:37:32,640 --> 00:37:36,319
Speaker 2: Without a plan, inflation feels like this invisible force shipping.

678
00:37:35,960 --> 00:37:38,240
Speaker 1: Away at the lifestyle you worked so hard to build.

679
00:37:38,600 --> 00:37:41,799
Speaker 2: But with a plan, retirees feel confident and calm even

680
00:37:41,840 --> 00:37:43,520
Speaker 2: when prices are moving around them.

681
00:37:44,160 --> 00:37:48,360
Speaker 4: And that's what a fiduciary advisor does. Helps make sure

682
00:37:48,440 --> 00:37:52,400
Speaker 4: your retirement income is positioned to keep up with rising

683
00:37:52,520 --> 00:37:55,840
Speaker 4: cost so you can spend time with the people you love.

684
00:37:56,360 --> 00:37:58,520
Speaker 4: Knowing the numbers make sense.

685
00:37:58,640 --> 00:38:01,439
Speaker 1: We want this to be a season, not anxiety about

686
00:38:01,440 --> 00:38:02,000
Speaker 1: your budget.

687
00:38:02,520 --> 00:38:06,760
Speaker 4: That's exactly why we put together our free resource called

688
00:38:06,920 --> 00:38:12,680
Speaker 4: Inflation and your Retirement is designed specifically for retirees, so

689
00:38:12,800 --> 00:38:17,480
Speaker 4: you can clearly understand what inflation is actually doing to

690
00:38:17,560 --> 00:38:22,840
Speaker 4: your retirement income. Why every day essentials hit seniors harder,

691
00:38:23,480 --> 00:38:28,839
Speaker 4: How to create an income strategy that keeps your lifestyle steady,

692
00:38:28,880 --> 00:38:33,040
Speaker 4: smart steps to protect your purchasing power, and how to

693
00:38:33,120 --> 00:38:37,440
Speaker 4: plan ahead so you can avoid financial strain in the future.

694
00:38:37,960 --> 00:38:41,200
Speaker 2: It's practical, it's straightforward, and it gives you the right

695
00:38:41,280 --> 00:38:44,480
Speaker 2: questions to ask, whether you're reviewing your plan for the

696
00:38:44,520 --> 00:38:46,719
Speaker 2: first time or checking in to make sure things still

697
00:38:46,760 --> 00:38:47,880
Speaker 2: align with your goals.

698
00:38:48,239 --> 00:38:51,719
Speaker 4: If you're listening right now and thinking, I want the

699
00:38:51,800 --> 00:38:55,520
Speaker 4: holidays to fill light again, and I want a plan

700
00:38:55,680 --> 00:39:00,080
Speaker 4: that supports that feeling going forward, this guide is a

701
00:39:00,080 --> 00:39:03,799
Speaker 4: great place to start. To request your free copy, just

702
00:39:03,880 --> 00:39:07,240
Speaker 4: call us at eight eight eight eight hundred eighteen eighty

703
00:39:07,320 --> 00:39:12,720
Speaker 4: one or send an email to Kelly at Kellyfinancial dot org.

704
00:39:13,040 --> 00:39:16,040
Speaker 4: We'd love to help you approach this season and all

705
00:39:16,080 --> 00:39:21,120
Speaker 4: the seasons ahead with confidence, clarity, and peace of mind.

706
00:39:21,800 --> 00:39:24,799
Speaker 2: Mom, I think that's the perfect holiday gift, not just

707
00:39:24,880 --> 00:39:26,880
Speaker 2: for yourself, but for your whole family.

708
00:39:27,520 --> 00:39:31,000
Speaker 4: I agree, well said, and that wraps it up for

709
00:39:31,120 --> 00:39:34,680
Speaker 4: us today, William. We'll be back next week with more

710
00:39:34,760 --> 00:39:40,799
Speaker 4: strategies to help you live a financially secure and fulfilling retirement.

711
00:39:41,400 --> 00:39:45,000
Speaker 4: Until then, from all of us at Kelly Financial Services,

712
00:39:45,280 --> 00:39:49,839
Speaker 4: we wish you a wonderful weekend and a very merry Christmas.

713
00:39:50,200 --> 00:39:55,280
Speaker 4: You're listening to Safe Money Strategies right here on w RKO.

714
00:39:57,920 --> 00:40:02,040
Speaker 3: Safe Money Strategies bru to you by Kelly Financial Services

715
00:40:02,200 --> 00:40:06,320
Speaker 3: coll eight eight eight hundred eighteen eighty one. Well visit

716
00:40:06,400 --> 00:40:08,000
Speaker 3: Kellyfinancial dot org.

717
00:40:09,880 --> 00:40:13,440
Speaker 1: Welcome back to safe money Strategies. I'm Mike Ducett. Before

718
00:40:13,480 --> 00:40:16,279
Speaker 1: the break, Greg Workman and I discussed the huge role

719
00:40:16,440 --> 00:40:20,240
Speaker 1: AI now plays across almost every company and every sector

720
00:40:20,640 --> 00:40:24,240
Speaker 1: and why most retirees are already exposed to AI, whether

721
00:40:24,280 --> 00:40:27,560
Speaker 1: they realize it or not. Now, let's dig into how

722
00:40:27,600 --> 00:40:31,120
Speaker 1: AI is influencing the markets in what that means for

723
00:40:31,200 --> 00:40:34,160
Speaker 1: building a stable, resilient retirement portfolio.

724
00:40:34,600 --> 00:40:37,840
Speaker 8: One of the biggest issues we're seeing is that AI

725
00:40:38,040 --> 00:40:41,719
Speaker 8: has created a separation between companies that are perceived as

726
00:40:41,760 --> 00:40:46,040
Speaker 8: AI leaders and companies that are simply AI adopters.

727
00:40:46,719 --> 00:40:50,520
Speaker 1: Leaders like Navidia, the Metas of the world. The Microsoft's

728
00:40:50,760 --> 00:40:54,640
Speaker 1: are getting huge valuation premiums because the market sees them

729
00:40:54,760 --> 00:40:57,160
Speaker 1: as the ones building the AI infrastructure.

730
00:40:57,360 --> 00:41:02,440
Speaker 8: Meanwhile, thousands of companies are quiet using AI, getting real

731
00:41:02,480 --> 00:41:07,200
Speaker 8: efficiency gains and boosting profits, but without the headline hype.

732
00:41:07,360 --> 00:41:10,920
Speaker 1: And that's where we think long term investors can benefit.

733
00:41:11,480 --> 00:41:15,359
Speaker 1: AI doesn't just reward the companies making the chips. It

734
00:41:15,440 --> 00:41:21,200
Speaker 1: rewards the companies using AI to reduce labor costs, improve forecasting,

735
00:41:21,560 --> 00:41:28,120
Speaker 1: reduce waste optimize pricing, enhance customer experiences, and increase productivity

736
00:41:28,480 --> 00:41:29,320
Speaker 1: without hiring.

737
00:41:29,680 --> 00:41:32,840
Speaker 8: But in the short term, those benefits don't get priced

738
00:41:32,840 --> 00:41:37,359
Speaker 8: in evenly. That's why we see pockets of overvaluation and

739
00:41:37,719 --> 00:41:42,840
Speaker 8: pockets of undervaluation. The danger is when investors assume AI

740
00:41:42,960 --> 00:41:47,120
Speaker 8: leadership is concentrated in just one to two stocks. What

741
00:41:47,280 --> 00:41:53,080
Speaker 8: in reality, AI's success is distributed across the entire global economy.

742
00:41:53,480 --> 00:41:57,960
Speaker 1: This is why diversification isn't old fashioned. It's more important

743
00:41:57,960 --> 00:42:01,800
Speaker 1: than ever because the question is not which single stock

744
00:42:02,000 --> 00:42:05,319
Speaker 1: will be the next AI winner. The question is how

745
00:42:05,320 --> 00:42:09,120
Speaker 1: do we position your portfolio so you have the potential

746
00:42:09,239 --> 00:42:12,360
Speaker 1: benefit no matter which companies end up leading five years

747
00:42:12,360 --> 00:42:12,799
Speaker 1: from now.

748
00:42:13,200 --> 00:42:17,200
Speaker 8: History teaches us a valuable lesson. The companies that we

749
00:42:17,480 --> 00:42:21,640
Speaker 8: think will dominate the next decade, oftentimes, are not the

750
00:42:21,680 --> 00:42:22,840
Speaker 8: ones that actually do.

751
00:42:23,440 --> 00:42:27,960
Speaker 1: Think back to the early two thousands, Nokia dominated mobile phones,

752
00:42:28,200 --> 00:42:34,440
Speaker 1: AOL dominated the internet, Intel dominated chips, Sony dominated entertainment,

753
00:42:35,000 --> 00:42:37,200
Speaker 1: GE dominated industrials.

754
00:42:37,719 --> 00:42:41,120
Speaker 8: Today, none of those names that you mentioned, Mike our

755
00:42:41,200 --> 00:42:45,919
Speaker 8: market leaders. That's why being overly concentrated in the quote

756
00:42:46,000 --> 00:42:49,600
Speaker 8: unquote sure thing stocks is a dangerous game to play,

757
00:42:50,320 --> 00:42:53,160
Speaker 8: especially for retirees without a paycheck.

758
00:42:53,640 --> 00:42:56,080
Speaker 1: Let's bring in another client story, because I think many

759
00:42:56,120 --> 00:42:57,280
Speaker 1: listeners will relate.

760
00:42:57,800 --> 00:43:00,840
Speaker 8: We met with a client we'll call him Richard. He

761
00:43:00,880 --> 00:43:04,000
Speaker 8: had built a large position in tech stocks over the

762
00:43:04,040 --> 00:43:08,800
Speaker 8: course of time. He didn't do it intentionally, it happened slowly.

763
00:43:09,320 --> 00:43:11,640
Speaker 8: He had a couple of ETFs that were tech heavy.

764
00:43:11,840 --> 00:43:15,799
Speaker 8: He reinvested dividends for years. A few individual names had

765
00:43:15,840 --> 00:43:19,400
Speaker 8: grown tremendously, and suddenly he found himself with forty two

766
00:43:19,440 --> 00:43:23,360
Speaker 8: percent of his entire portfolio in AI oriented tech companies

767
00:43:23,640 --> 00:43:26,680
Speaker 8: when everything was going up. Well, that felt great, but

768
00:43:26,719 --> 00:43:30,360
Speaker 8: then he retired and suddenly that roller coaster ride or

769
00:43:30,440 --> 00:43:32,680
Speaker 8: volatility wasn't so fun anymore.

770
00:43:33,200 --> 00:43:36,640
Speaker 1: We stress tested his portfolio. If the tech sector had

771
00:43:36,680 --> 00:43:39,720
Speaker 1: a normal correction, not a crash, just a normal twenty

772
00:43:39,760 --> 00:43:42,640
Speaker 1: to twenty five percent pullback, it would have created a

773
00:43:42,760 --> 00:43:46,320
Speaker 1: ten percent decline in his total retirement savings.

774
00:43:45,920 --> 00:43:49,279
Speaker 8: And that's dangerous when you're drawing income from your nest egg.

775
00:43:49,719 --> 00:43:54,000
Speaker 8: A ten percent drop in early on in retirement can

776
00:43:54,040 --> 00:43:57,120
Speaker 8: take years of longevity off your portfolio.

777
00:43:57,640 --> 00:43:59,960
Speaker 1: What we explained to Richard is that he didn't need

778
00:44:00,120 --> 00:44:03,480
Speaker 1: to sell everything. He didn't need to abandon AI or

779
00:44:03,560 --> 00:44:06,040
Speaker 1: abandon tech. What he needed was balance.

780
00:44:06,840 --> 00:44:12,640
Speaker 8: We rebalanced him into broad US exposure, international stocks that

781
00:44:12,680 --> 00:44:17,480
Speaker 8: we see benefiting from the artificial intelligence trend, high quality

782
00:44:17,520 --> 00:44:22,319
Speaker 8: bonds intended to soften the ride, dividend focused equities to

783
00:44:22,360 --> 00:44:25,800
Speaker 8: provide a steady stream of income behind the scenes, and

784
00:44:25,920 --> 00:44:31,600
Speaker 8: a small intentional tech allocation instead of a larger accidental one.

785
00:44:32,000 --> 00:44:35,400
Speaker 1: After rebalancing, we ran the stress test again. His outcomes

786
00:44:35,440 --> 00:44:39,239
Speaker 1: improved and he still kept enough tech exposure to participate

787
00:44:39,360 --> 00:44:42,600
Speaker 1: in AI driven growth without the tail risk that could

788
00:44:42,680 --> 00:44:44,040
Speaker 1: threaten his retirement income.

789
00:44:44,480 --> 00:44:49,360
Speaker 8: AI affects investments absolutely, but it doesn't change the core

790
00:44:49,480 --> 00:44:52,080
Speaker 8: principles of retirement income planning.

791
00:44:52,520 --> 00:44:56,319
Speaker 1: That's right. Whether AI is booming or slowing down, retirees

792
00:44:56,480 --> 00:44:59,719
Speaker 1: still need a stable income plan. They need a predictable

793
00:44:59,760 --> 00:45:04,319
Speaker 1: with ral strategy. Strategy is designed to minimize volatility and

794
00:45:04,440 --> 00:45:08,120
Speaker 1: protection against inflation. They're also looking for tax efficiency and

795
00:45:08,160 --> 00:45:10,960
Speaker 1: a plan that keeps working even in down markets.

796
00:45:11,320 --> 00:45:14,239
Speaker 8: You don't want to rely on a high growth tech

797
00:45:14,360 --> 00:45:18,080
Speaker 8: sector to fund your lifestyle. You want your lifestyle to

798
00:45:18,120 --> 00:45:22,480
Speaker 8: be funded by a blend of dependable, repeatable income sources.

799
00:45:23,040 --> 00:45:25,440
Speaker 1: AI exposure it can be part of your growth sleeve,

800
00:45:25,600 --> 00:45:28,759
Speaker 1: but it should never be the engine driving one hundred

801
00:45:28,800 --> 00:45:30,200
Speaker 1: percent of your retirement income.

802
00:45:30,600 --> 00:45:34,520
Speaker 8: Let's give our listeners something actionable. Here are three steps

803
00:45:35,040 --> 00:45:40,400
Speaker 8: retirees can take right now to participate in AI without

804
00:45:40,680 --> 00:45:44,759
Speaker 8: taking on more risk than they bargain for. Step one,

805
00:45:45,360 --> 00:45:47,759
Speaker 8: know your current AI exposure.

806
00:45:48,239 --> 00:45:51,719
Speaker 1: Most retirees don't realize how heavily their index funds and

807
00:45:51,960 --> 00:45:56,000
Speaker 1: diversified portfolios already leaned toward AI driven companies.

808
00:45:56,480 --> 00:45:59,839
Speaker 8: Step one is simply understanding what you own. We run

809
00:45:59,840 --> 00:46:03,960
Speaker 8: the analysis for clients every week and it's a real

810
00:46:04,080 --> 00:46:08,919
Speaker 8: eye opener. Step two avoid concentration risk.

811
00:46:09,640 --> 00:46:12,839
Speaker 1: No matter how exciting AI is, you don't want more

812
00:46:12,880 --> 00:46:15,920
Speaker 1: than a reasonable percentage of your portfolio tied to a

813
00:46:15,960 --> 00:46:18,320
Speaker 1: single company or even a single sub sector.

814
00:46:18,640 --> 00:46:22,480
Speaker 8: If TECH makes up forty percent or more of your portfolio,

815
00:46:23,120 --> 00:46:28,160
Speaker 8: especially in retirement, well that's a red flag. Step three,

816
00:46:28,520 --> 00:46:31,680
Speaker 8: build AI into a balanced portfolio.

817
00:46:32,239 --> 00:46:36,400
Speaker 1: Diversification means you get exposure to the builders of AI,

818
00:46:36,800 --> 00:46:40,799
Speaker 1: the deployers of AI, the users of AI, and the

819
00:46:40,800 --> 00:46:43,640
Speaker 1: traditional companies benefiting from AI efficiencies.

820
00:46:43,800 --> 00:46:48,160
Speaker 8: This is designed to give you broad participation, smoother performance,

821
00:46:48,680 --> 00:46:53,920
Speaker 8: and aimed at relative outperformance when the markets move against you.

822
00:46:54,440 --> 00:46:57,120
Speaker 1: AI is exciting and it's real. It's not a fad,

823
00:46:57,480 --> 00:47:00,000
Speaker 1: but hype can pull people out of their financial place.

824
00:47:00,880 --> 00:47:04,840
Speaker 8: The winners in retirement are the people who stayed disciplined, diversified,

825
00:47:05,080 --> 00:47:09,040
Speaker 8: and balanced. They don't chase headlines, and they don't try

826
00:47:09,040 --> 00:47:12,400
Speaker 8: to predict which tech company will dominate the future.

827
00:47:12,840 --> 00:47:15,640
Speaker 1: They follow a plan, and that plan includes the right

828
00:47:15,680 --> 00:47:17,480
Speaker 1: amount of exposure to innovation.

829
00:47:17,880 --> 00:47:21,600
Speaker 8: If today's conversation made you wonder how much AI exposure

830
00:47:21,640 --> 00:47:25,800
Speaker 8: you actually have in your portfolio, or whether you're taking

831
00:47:25,840 --> 00:47:28,880
Speaker 8: on more risk than you may have intended, give us

832
00:47:28,920 --> 00:47:29,360
Speaker 8: a call.

833
00:47:29,760 --> 00:47:33,040
Speaker 1: We'll walk you through a full portfolio analysis, including how

834
00:47:33,080 --> 00:47:35,520
Speaker 1: much of your current holdings are being driven by AI,

835
00:47:36,000 --> 00:47:39,280
Speaker 1: how much concentration risk you may have, and what steps

836
00:47:39,320 --> 00:47:41,640
Speaker 1: you can take to bring everything into balance.

837
00:47:42,080 --> 00:47:44,400
Speaker 8: And we'll also send you a free copy of our

838
00:47:44,440 --> 00:47:50,280
Speaker 8: Safe Money Strategies retirement workbook. It covers income planning, tax efficiency,

839
00:47:51,120 --> 00:47:54,440
Speaker 8: RMD strategies, social security.

840
00:47:53,920 --> 00:47:55,680
Speaker 1: Timing, and much more.

841
00:47:56,280 --> 00:47:58,480
Speaker 8: With that, I'm Greg Workman, and.

842
00:47:58,440 --> 00:48:01,560
Speaker 1: I'm like you said, you've been listening to Safe Money Strategies.

843
00:48:01,800 --> 00:48:02,960
Speaker 1: We'll see you next week.

844
00:48:07,440 --> 00:48:11,800
Speaker 7: Joining us now, as she always does at this time,

845
00:48:12,239 --> 00:48:17,000
Speaker 7: she is the co founder CEO and President of Kelly

846
00:48:17,120 --> 00:48:22,960
Speaker 7: Financial Services, and yes, that is her wonderful name, Kelly,

847
00:48:23,320 --> 00:48:26,960
Speaker 7: Kelly Kelly, how are.

848
00:48:27,360 --> 00:48:30,880
Speaker 4: You good morning, Jeff. I am good.

849
00:48:31,440 --> 00:48:35,160
Speaker 6: As we head deeper into the holiday season, I've been

850
00:48:35,200 --> 00:48:39,279
Speaker 6: thinking a lot about generosity, not just the gifts we give,

851
00:48:39,440 --> 00:48:43,319
Speaker 6: but values behind them and the legacy we want to leave.

852
00:48:43,680 --> 00:48:48,239
Speaker 6: Retirement isn't just about saving money. It's about stewardship. It's

853
00:48:48,280 --> 00:48:52,320
Speaker 6: about using what you work so hard for with purpose.

854
00:48:52,120 --> 00:48:53,840
Speaker 4: Gratitude, and clarity.

855
00:48:54,200 --> 00:48:57,200
Speaker 6: And this time of year, people want their giving to

856
00:48:57,320 --> 00:49:02,000
Speaker 6: matter helping children, grandchildren, and their church or the causes

857
00:49:02,080 --> 00:49:07,280
Speaker 6: they love, while understanding why taxes may shape those choices

858
00:49:07,400 --> 00:49:11,560
Speaker 6: so their generosity goes as far as possible. That's why

859
00:49:11,600 --> 00:49:15,799
Speaker 6: we're sharing our Tax Explorer Guide. It's easy to read

860
00:49:16,000 --> 00:49:19,720
Speaker 6: and helps you understand how taxes may impact your giving

861
00:49:20,160 --> 00:49:22,400
Speaker 6: and your retirement income as.

862
00:49:22,200 --> 00:49:24,000
Speaker 4: We look ahead to a new year.

863
00:49:24,280 --> 00:49:26,920
Speaker 6: If you'd like a copy, give us a call or

864
00:49:26,960 --> 00:49:29,920
Speaker 6: send us an email. Jazz have a wonderful weekend.

865
00:49:30,000 --> 00:49:32,040
Speaker 4: My best to Grace and the kiddos.

866
00:49:32,120 --> 00:49:34,560
Speaker 7: Thank you so much, Kelly. All the best to you

867
00:49:34,600 --> 00:49:37,680
Speaker 7: and everyone at Kelly Financial. If you want to get

868
00:49:37,719 --> 00:49:40,200
Speaker 7: in touch with them, the number to call eight eighty

869
00:49:40,200 --> 00:49:43,600
Speaker 7: eight eight hundred, eighteen eighty one eight eight eight eight

870
00:49:43,680 --> 00:49:47,279
Speaker 7: hundred eighteen eighty one, or if you prefer, you can

871
00:49:47,320 --> 00:49:52,359
Speaker 7: email Kelly directly Kelly at Kellyfinancial dot org.

872
00:49:58,719 --> 00:50:04,120
Speaker 3: Safe Money Strategy eight eight hundred one eight eight one.

873
00:50:05,000 --> 00:50:08,600
Speaker 4: Each week on Safe Money Strategies, we share the voice

874
00:50:08,719 --> 00:50:12,640
Speaker 4: and vision that Bill Kelly Financial. In this segment, Bill

875
00:50:12,719 --> 00:50:18,280
Speaker 4: Kelly reminds us that your financial journey needs a GPS goals,

876
00:50:18,480 --> 00:50:22,760
Speaker 4: possibilities and security and a team to help guide the way.

877
00:50:23,160 --> 00:50:24,360
Speaker 4: Here's Bill Kelly.

878
00:50:26,800 --> 00:50:28,880
Speaker 12: This is Bill Kelly back with you. We're hoping that

879
00:50:28,960 --> 00:50:32,120
Speaker 12: you're able to lock in on this exclusive broadcast, which

880
00:50:32,160 --> 00:50:36,440
Speaker 12: is basically opportunity matching over the air, and you are

881
00:50:36,520 --> 00:50:40,680
Speaker 12: prospecting for possibilities, probably as you use your ears to

882
00:50:40,840 --> 00:50:44,880
Speaker 12: perhaps allay your fears and avoiding radio frequency fatigue and

883
00:50:44,920 --> 00:50:47,120
Speaker 12: focusing on facts. I think that works the best. But

884
00:50:47,400 --> 00:50:49,640
Speaker 12: there's one key question. Are you going to go and

885
00:50:49,680 --> 00:50:51,800
Speaker 12: a loan or are you going to go with a team?

886
00:50:51,840 --> 00:50:55,200
Speaker 12: And I think that's important. We use the GPS theory, goals,

887
00:50:55,360 --> 00:50:59,680
Speaker 12: possibilities and security whenever possible. Security is never guaranteed, right.

888
00:51:00,239 --> 00:51:04,480
Speaker 12: We also might say guidance, potential, and strategic strategy. So

889
00:51:04,600 --> 00:51:06,960
Speaker 12: GPS means a lot right now. But the one thing

890
00:51:07,000 --> 00:51:10,280
Speaker 12: we know about GPS it's directional, right, ladies and gentlemen.

891
00:51:10,480 --> 00:51:13,000
Speaker 12: So when it's directional, it means you have a path,

892
00:51:13,200 --> 00:51:16,080
Speaker 12: and if you have a GPS, generally it works. It

893
00:51:16,200 --> 00:51:19,760
Speaker 12: just has eliminated most of the fighting in automobiles unless

894
00:51:19,760 --> 00:51:22,200
Speaker 12: you're fighting about the GPS. Now you're not fighting about

895
00:51:22,200 --> 00:51:24,920
Speaker 12: directions with your better half, right, and it can be

896
00:51:25,000 --> 00:51:29,080
Speaker 12: that way with finances too. The goals, the path, the passage,

897
00:51:29,120 --> 00:51:32,840
Speaker 12: the pilgrimage, the strategy, and if you're going to be

898
00:51:32,880 --> 00:51:35,160
Speaker 12: sitting pretty that's the S word at the end of

899
00:51:35,200 --> 00:51:38,520
Speaker 12: all this, think about it. So there's a curiosity phase

900
00:51:38,600 --> 00:51:41,799
Speaker 12: to anything that we do. Isn't there something new and

901
00:51:41,880 --> 00:51:44,719
Speaker 12: you're getting used to a familiar voice, I think. So

902
00:51:44,800 --> 00:51:48,080
Speaker 12: you're looking for key areas of expertise. You're looking for

903
00:51:48,200 --> 00:51:51,600
Speaker 12: actions to improve or inspire. Retirement isn't just an event,

904
00:51:51,760 --> 00:51:53,879
Speaker 12: a one day event where you go in to pick

905
00:51:53,960 --> 00:51:56,239
Speaker 12: up the gold watch and then you leave and then

906
00:51:56,280 --> 00:51:58,760
Speaker 12: you say, wait a minute, I only got a gold watch.

907
00:51:59,120 --> 00:52:02,080
Speaker 12: And when that happened, some people have an emptiness. We

908
00:52:02,120 --> 00:52:04,080
Speaker 12: don't want you to have that. So if you're wondering

909
00:52:04,080 --> 00:52:07,080
Speaker 12: how to fill out those forms that are daunting, if

910
00:52:07,080 --> 00:52:09,040
Speaker 12: you're wondering if you're going to get a better deal

911
00:52:09,280 --> 00:52:12,160
Speaker 12: with a better strategy, then you probably might want to

912
00:52:12,520 --> 00:52:15,239
Speaker 12: call eight eight eight eight hundred and one eight eight

913
00:52:15,280 --> 00:52:18,600
Speaker 12: one and find out there are actions to improve or

914
00:52:18,680 --> 00:52:21,480
Speaker 12: inspire and those are for you to call it for

915
00:52:21,800 --> 00:52:25,600
Speaker 12: our informational free booklets eight eight eight eight hundred one

916
00:52:25,680 --> 00:52:28,640
Speaker 12: eighty one. If you want to introspect, you can take

917
00:52:28,640 --> 00:52:31,480
Speaker 12: a survey or test or a quiz. You can find

918
00:52:31,520 --> 00:52:34,200
Speaker 12: out where you stand, and as this happens, you begin

919
00:52:34,280 --> 00:52:37,879
Speaker 12: to match your needs with the solutions. I hear every week,

920
00:52:37,920 --> 00:52:41,120
Speaker 12: and you're hearing today. So and my neighbors like it too.

921
00:52:41,239 --> 00:52:44,120
Speaker 12: So eight eight eight eight hundred and one, eight eight one,

922
00:52:44,280 --> 00:52:47,279
Speaker 12: And this is Bill Kelly. You could connect. We call

923
00:52:47,320 --> 00:52:51,600
Speaker 12: it connecting and converging. When that happens, we get a

924
00:52:51,600 --> 00:52:53,759
Speaker 12: great feeling. And we have a lot of connections. And

925
00:52:53,800 --> 00:52:56,000
Speaker 12: most people say, I'm wondering if I can do better.

926
00:52:56,160 --> 00:52:58,480
Speaker 12: I'm interested in meeting the team, and I want to

927
00:52:58,520 --> 00:53:01,880
Speaker 12: discover a difference. I think that's what Kelly Financial is

928
00:53:01,920 --> 00:53:05,400
Speaker 12: all about. So eight eight eight eight hundred and eight

929
00:53:05,480 --> 00:53:07,839
Speaker 12: eighty one, get you a meeting with us. You might

930
00:53:07,960 --> 00:53:11,239
Speaker 12: enjoy that, but really fact finding is key, isn't it.

931
00:53:11,640 --> 00:53:14,080
Speaker 12: And we call that listening and learning from you, and

932
00:53:14,120 --> 00:53:18,319
Speaker 12: I think that's most important. Everybody's nervous right now. We

933
00:53:18,360 --> 00:53:21,359
Speaker 12: have a new president. We're on different footing than we

934
00:53:21,360 --> 00:53:24,640
Speaker 12: were a year ago, seven years ago. But the first

935
00:53:24,640 --> 00:53:28,080
Speaker 12: phase is fact finding, But it's really listening and learning

936
00:53:28,080 --> 00:53:30,600
Speaker 12: from you. You want to delve, you want to dig,

937
00:53:30,680 --> 00:53:34,360
Speaker 12: you want to investigate, and you want to inspect what's

938
00:53:34,400 --> 00:53:36,879
Speaker 12: really happening, Ladies and John what's important to you you're

939
00:53:36,920 --> 00:53:40,000
Speaker 12: the investor. What keeps you awake at night? And then

940
00:53:40,040 --> 00:53:42,759
Speaker 12: what allows you to sleep like a baby. By the way,

941
00:53:43,040 --> 00:53:46,160
Speaker 12: sleeping like a baby doesn't mean waking up every two

942
00:53:46,200 --> 00:53:49,040
Speaker 12: hours and crying. That's not the kind of sleeping like

943
00:53:49,120 --> 00:53:51,400
Speaker 12: a baby that you want. As you know, the market's

944
00:53:51,400 --> 00:53:53,280
Speaker 12: at an all time high, and we know what happens

945
00:53:53,320 --> 00:53:57,120
Speaker 12: after an all time high, right every time, So be careful, right,

946
00:53:57,560 --> 00:54:00,760
Speaker 12: So you have to lay out your priorities and maybe

947
00:54:00,800 --> 00:54:04,160
Speaker 12: experience a team process. That's Kelly Financial eight eight eight

948
00:54:04,440 --> 00:54:06,600
Speaker 12: eight hundred one eight eight one. I could say we've

949
00:54:06,600 --> 00:54:10,480
Speaker 12: been consistent, and we're consistently here for you. So the

950
00:54:10,560 --> 00:54:15,399
Speaker 12: exploring priorities, potential and possibilities. There's your first contract at

951
00:54:15,400 --> 00:54:20,120
Speaker 12: our offices, and that includes objectives and obstacles. Now, when

952
00:54:20,160 --> 00:54:23,399
Speaker 12: Stan came in several years ago, we spoke with him

953
00:54:23,400 --> 00:54:25,760
Speaker 12: and he had worries about the market, he had moorries

954
00:54:25,800 --> 00:54:28,480
Speaker 12: about interest rates, and he had worries about security. So

955
00:54:28,760 --> 00:54:31,399
Speaker 12: but the first thing I told him was sit back

956
00:54:31,440 --> 00:54:34,120
Speaker 12: and relax. Put those papers away right now. Let's just

957
00:54:34,160 --> 00:54:36,800
Speaker 12: find out what your objectives are and we'll show you

958
00:54:36,880 --> 00:54:39,400
Speaker 12: if there are obstacles, and we'll show you what your

959
00:54:39,440 --> 00:54:42,680
Speaker 12: objectives really could mean if we meet all of them.

960
00:54:42,760 --> 00:54:46,920
Speaker 12: So learning about priorities, we want to determine your possibilities.

961
00:54:46,960 --> 00:54:48,640
Speaker 12: We don't want to determine what the heck we could

962
00:54:48,719 --> 00:54:52,480
Speaker 12: sell you. Think about that, it's your potential, it's not ours.

963
00:54:52,920 --> 00:54:54,440
Speaker 12: And are you going to go alone? Are you going

964
00:54:54,480 --> 00:54:56,359
Speaker 12: to go with a team of some of the most

965
00:54:56,480 --> 00:54:59,400
Speaker 12: handsome and great looking people on the face of the planet.

966
00:54:59,640 --> 00:55:02,040
Speaker 12: And this the reason i'mine radio there not ladies and

967
00:55:02,080 --> 00:55:05,200
Speaker 12: gentlemen shoes have to overlook that. Now, the second time

968
00:55:05,239 --> 00:55:07,720
Speaker 12: you visit with us, we call that the launch meeting

969
00:55:07,880 --> 00:55:12,560
Speaker 12: where you're propelled, where we can expand upon your objectives

970
00:55:12,560 --> 00:55:14,840
Speaker 12: and some obstacles that might be there, and then unfold

971
00:55:14,840 --> 00:55:18,840
Speaker 12: a plan for you. Suggestions and solutions come to the surface,

972
00:55:19,160 --> 00:55:21,839
Speaker 12: and then we add some reason and purpose. So that's

973
00:55:21,880 --> 00:55:25,040
Speaker 12: the process. The process is not to try to get

974
00:55:25,080 --> 00:55:27,239
Speaker 12: you in the dark room, get you to sign a

975
00:55:27,280 --> 00:55:29,759
Speaker 12: paper and then leave, put your money in jail, and

976
00:55:29,760 --> 00:55:31,440
Speaker 12: then allow you to visit it once a year. No,

977
00:55:31,560 --> 00:55:33,919
Speaker 12: that's not what we're trying to do. So eight eight

978
00:55:33,960 --> 00:55:36,359
Speaker 12: eight eight hundred and one, eight eight one. Find out

979
00:55:36,360 --> 00:55:39,360
Speaker 12: what the possibilities and the potential and what can happen

980
00:55:39,520 --> 00:55:42,600
Speaker 12: for you if you plan properly. Eight eight eight eight

981
00:55:42,719 --> 00:55:45,160
Speaker 12: hundred and eighty one. Visit with us and let us

982
00:55:45,200 --> 00:55:47,120
Speaker 12: help you plan for your future.

983
00:55:55,440 --> 00:55:59,640
Speaker 3: Mcle kelly Financial Services eight eight eight eight hundred eighteen

984
00:55:59,760 --> 00:56:00,040
Speaker 3: a t.

985
00:56:01,280 --> 00:56:05,200
Speaker 4: I'm Kelly Kelly from Kelly Financial. Retirement is a time

986
00:56:05,239 --> 00:56:08,000
Speaker 4: to enjoy the fruits of your labor, but is also

987
00:56:08,080 --> 00:56:12,120
Speaker 4: a period when financial stability becomes more critical than ever,

988
00:56:12,400 --> 00:56:17,520
Speaker 4: so seeking expert financial advice is essential regardless of your age.

989
00:56:17,719 --> 00:56:22,640
Speaker 4: Professional guidance insureds your assets are allocated wisely, helping your

990
00:56:22,719 --> 00:56:25,839
Speaker 4: money last as long as you need it. The advisors

991
00:56:25,880 --> 00:56:28,640
Speaker 4: at Kelly Financial will help you take charge of your

992
00:56:28,680 --> 00:56:32,640
Speaker 4: financial future and preserve your hard earned wealth to enable

993
00:56:32,719 --> 00:56:35,880
Speaker 4: you to focus on the retirement you've dreamed of. We

994
00:56:36,000 --> 00:56:40,080
Speaker 4: have a free investor guide called designing your Fiscal House

995
00:56:40,200 --> 00:56:43,640
Speaker 4: to Weather the Elements, which highlights the steps needed to

996
00:56:43,719 --> 00:56:47,160
Speaker 4: build a balanced portfolio. For the guide and a free

997
00:56:47,200 --> 00:56:50,880
Speaker 4: consultation with a Kelly advisor, call eight eight eight eight

998
00:56:51,000 --> 00:56:56,040
Speaker 4: hundred eighteen eighty one or email Kelly at Kellyfinancial dot org.

999
00:56:56,400 --> 00:56:59,360
Speaker 4: We're Kelly Financial. Come retire with.

1000
00:56:59,280 --> 00:57:04,640
Speaker 3: Us, Save money strategies with William Kelly and Kelly Kelly.

1001
00:57:05,000 --> 00:57:07,200
Speaker 3: Go to Kelly Financial dot org.