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Speaker 1: All these years you've saved up planning for a secure retirement,

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Speaker 1: but if you're not careful, it will be the irs

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Speaker 1: that is living it up when you retire by taxing

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Speaker 1: your hard earned money. Welcome to the Maggie Tax and

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Speaker 1: Financial Show with Robert and Chris Maggie of Maggie Tax

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Speaker 1: and Wealth Advisors. With over four decades of combined experience

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Speaker 1: and tax savings, income planning, and investment opportunities, Robert and

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Speaker 1: Chris share advice and tax planning strategies designed to protect

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Speaker 1: your retirement next day from Uncle Sam. Call them at

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Speaker 1: eight three three Maggie Tax or online at Maggie Tax

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Speaker 1: dot com. And now your host for the Maggie Tax

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Speaker 1: and Financial Show, Robert and Chris Maggie.

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Speaker 2: Welcome to the Maggie Tax and Financial Show, where your

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Speaker 2: money meets mastery. I'm Bobby Maggie, and every week we

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Speaker 2: dive deep into the dollars and cents behind your financial future.

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Speaker 2: Whether you're a business owner, a working professional, or just

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Speaker 2: trying to make sense of your taxes. This is your

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Speaker 2: front row seat to clarity, strategy and financial environment. So

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Speaker 2: from tax tips that save you thousands to financial insights

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Speaker 2: that build your legacy. We're not just talking numbers, We're

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Speaker 2: changing lives. So buckle up because today's episode is packed

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Speaker 2: with powerful tools, expert advice, and maybe even a few surprises.

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Speaker 2: So Chris, let's unlock your financial potential with these folks

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Speaker 2: right here, right now today.

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Speaker 3: Well, let's say welcome everyone. I'm Chris Maggie and thank

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Speaker 3: you so much for tuning into the Magi Tax and

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Speaker 3: Financial Show and glad to be here as always because

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Speaker 3: there's so much information that we want to share with you.

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Speaker 3: Visit our website at Maggie tax dot com. That's m

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Speaker 3: A G G I T a X dot com, Maggie

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Speaker 3: tax dot com and don't forget every Sunday on ABC TV,

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Speaker 3: tune into our show right on TV ten thirty am

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Speaker 3: for The Maggie Tax and Financial Show. So we do

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Speaker 3: tax planning, income planning, investment planning, and state planning, so

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Speaker 3: security maximization planning, we do complete planning. Is the bottom line.

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Speaker 3: That's all you really want to understand is that you

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Speaker 3: want to work with an advisor who looks at everything

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Speaker 3: you know. If you're getting income, you want to make

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Speaker 3: sure they get income on the most tax efficient way.

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Speaker 3: If you have investments. You want to make sure that

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Speaker 3: you're paying leads Mountain taxes. So that's what we do.

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Speaker 3: Telephone numbers eight three to three Magi attacks, pick up

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Speaker 3: the phone, schedule time to meet with us anytime.

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Speaker 2: So a couple things right now, the power of purposeful

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Speaker 2: income planning. I think a lot of folks get confused

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Speaker 2: about income planning. So we're going to talk about why

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Speaker 2: income planning isn't just for retirees. It's for everyone listening

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Speaker 2: to today's show, whether you're young, or middle aged or retired,

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Speaker 2: you have to start thinking about income planning. How aligning

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Speaker 2: income with life goals creates financial clarity. Again, many people

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Speaker 2: don't think about, you know, longevity about you know, you're

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Speaker 2: in your forties. I'm older obviously, But if you start

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Speaker 2: young and you start putting a plan together, that's what

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Speaker 2: income planning is about. And I want to talk about

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Speaker 2: common myths that hold people back from planning effectively. I

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Speaker 2: don't have time, I'm not making enough money, you know,

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Speaker 2: because you talk about this all the time. And when

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Speaker 2: you were younger, and I know when I was younger,

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Speaker 2: I used to cut grass, I used to you know,

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Speaker 2: shovel snow, and I used to get twenty bucks or

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Speaker 2: twenty five dollars, And my dad would say, you've got

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Speaker 2: to put and you've got to put something away. Take

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Speaker 2: five dollars, put it away, ten dollars, put it away,

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Speaker 2: and just put it away and forget about it like

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Speaker 2: you never got it. And I think the mistake that

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Speaker 2: people make is that they spend. They spend, they spend.

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Speaker 2: And now, as you and I know, I've been doing

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Speaker 2: this for over thirty years, how many people we see

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Speaker 2: that do not plan for retirement and are not ready

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Speaker 2: to retire or they think they got a work pissed

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Speaker 2: a certain age because they just didn't plan. And I

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Speaker 2: think Chris, for you, you're a young guy, and for

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Speaker 2: young people out there, you have to start somewhere. Well.

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Speaker 3: As just said, so you know when you're discipline and

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Speaker 3: I know, life happens, right, you have kids, you have

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Speaker 3: a job. People, a lot of people are moving jobs

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Speaker 3: and they have old form one k's which you need

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Speaker 3: to roll these old forone on cas New Ira and

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Speaker 3: we can show you how to do that. So if

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Speaker 3: you have a a couple of different old form one case,

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Speaker 3: we can show you. But in coomplaining is start thinking

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Speaker 3: about your own paychecks and play checks. That's the biggest thing.

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Speaker 3: And that's some of the myths that people have. Would

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Speaker 3: you just say, you know, you have to keep up

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Speaker 3: with some of the expenses, and you have to pay

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Speaker 3: our mortgage and our car payment, and life happens.

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Speaker 2: I get it.

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Speaker 3: But if you could just understand, if you're early enough

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Speaker 3: and you're young enough, put money away consistently. You know,

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Speaker 3: you try to live off of one person's income, but

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Speaker 3: if that doesn't happen, but then you need to live

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Speaker 3: off of both. But you still can try to find

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Speaker 3: to put money away in a bucket because it's going

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Speaker 3: to you need to create your own income plan in

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Speaker 3: the future. And if you're about to retire or you're retired,

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Speaker 3: and if you have these buckets that are just piles

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Speaker 3: of money, you need to turn it into an income stream.

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Speaker 3: So the power is so important with your future income

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Speaker 3: and you need to have a purpose to do it.

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Speaker 3: And while you're saving, put that money away. But when

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Speaker 3: you have the buckets, let's create an income stream.

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Speaker 2: And one thing that I would use, it's a habit,

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Speaker 2: and it's a habit that you have to do. Like

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Speaker 2: you brush your teeth every day, you take a shower.

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Speaker 2: That's a habit. It's the same thing with saving, Chris,

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Speaker 2: I mean your daughter and your son. Give an example,

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Speaker 2: my granddaughter or your daughter seve years old, and I

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Speaker 2: said to her yesterday, what do you do when you

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Speaker 2: get money? She says, I put it in my piggy bank.

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Speaker 2: I said, what does your brother do? Oh, he spends

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Speaker 2: it on baseball cards? I said, does he save? She

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Speaker 2: says no, not exactly. So there's a perfect example. And

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Speaker 2: this is coming from your kids. This is the truth.

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Speaker 2: Your Your daughter's a she's a thrill. I mean, she's

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Speaker 2: I save it. She said, it goes in my piggy bank.

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Speaker 2: So what what what example does that set? You know?

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Speaker 3: Well, that's just it the discipline. You know, she's seven, right,

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Speaker 3: but that's just her mentality. She doesn't want to want

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Speaker 3: to spend it.

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Speaker 2: She keeps it.

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Speaker 3: But you got my son who wants to spend on

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Speaker 3: everything he's got.

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Speaker 2: So what do you do.

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Speaker 3: You have to have a discipline approach, right, And that's

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Speaker 3: why when you're early on, try to save as much

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Speaker 3: as you can. But when you're at the point you

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Speaker 3: need to create income buckets.

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Speaker 2: Well stay with that for a second, because people don't

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Speaker 2: know how much to save. That's a big question you

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Speaker 2: and I get all the time. And if you use

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Speaker 2: your age minus one hundred where you can start putting

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Speaker 2: money into safe investments or even part into a savings account,

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Speaker 2: and then as you get older and time goes on,

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Speaker 2: you could start bumping that up and then it becomes

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Speaker 2: a lot of money.

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Speaker 3: That's right, you know, in time, time is great when

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Speaker 3: you have the value of time and the interest rates

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Speaker 3: and a compounding interest. We can show you how to

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Speaker 3: create those buckets and invest those buckets. So diversifying income

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Speaker 3: streams and building financial resilience is as important as putting

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Speaker 3: money away. You know, you want to explore active income

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Speaker 3: sources and also passive income sources. Do you have rental properties,

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Speaker 3: do you have interest dividends or your investments giving you

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Speaker 3: the income you want? Or is it from social security

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Speaker 3: or a pension. These are things that we have to

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Speaker 3: talk about. So when you come in to meet with us,

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Speaker 3: we can put together an income plan for you. You know,

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Speaker 3: what about what about side hustles or you know, putting

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Speaker 3: money getting money from side investments. It could be maybe

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Speaker 3: your own contractor or a part time job. You know,

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Speaker 3: these are things that we're talking about, but there are

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Speaker 3: real life examples of diversified income strategies that work. People

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Speaker 3: are living off of their income streams. They are buckets

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Speaker 3: of money that are generating income. So if you have

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Speaker 3: questions and want to know how to do that for yourself,

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Speaker 3: pick up the phone, schedule time to meet with us.

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Speaker 3: Let's get together. Eight three three, Maggie tax, let's talk

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Speaker 3: about income. What about tax efficient income strategies?

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Speaker 2: Well, good point. There the biggest problem I see, you

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Speaker 2: know a question we get how to structure income to

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Speaker 2: minimize tax liability. It's pretty simple. The more money you make,

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Speaker 2: the more tax you're going to pay. But every year

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Speaker 2: I hear the same thing and they tell Chris and

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Speaker 2: I I'm paying too much in taxes, and the truth

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Speaker 2: is you're not paying enough in taxes. And right now

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Speaker 2: we all know that Trump tax cuts were extended, which

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Speaker 2: is a good thing. So when you come in and

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Speaker 2: meet with us, we can explain to you how it's

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Speaker 2: going to benefit you not hurt you. And I think

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Speaker 2: that's going to be It's a big question. It's a

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Speaker 2: big question on everybody's mind. So you know, once you

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Speaker 2: understand what you make and what you have to pay

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Speaker 2: in taxes and the deductions. You might be surprised because

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Speaker 2: you might not pay as much tax as you think

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Speaker 2: you're going to.

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Speaker 3: Well, let's just sit too, and let's add on that.

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Speaker 3: Because the people get income, we meet with clients and

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Speaker 3: we do reviews. They get any income, but a lot

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Speaker 3: of them are the most tax efficient way. But then

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Speaker 3: we see new clients come in and they're getting income

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Speaker 3: and paying a lot in tax, and then their sole

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Speaker 3: securities getting taxes as much as eighty five percent. They're

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Speaker 3: not really sure how to way is to reduce it.

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Speaker 3: That's why tax efficient income strategies are so important, and

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Speaker 3: the role of your retirement accounts and capital gains tax

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Speaker 3: and tax brackets. You know, these are things that you

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Speaker 3: have to be aware of. And if you're working with

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Speaker 3: an advisor who's not even talking about tax efficient income,

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Speaker 3: then you need to do something about it because you're

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Speaker 3: going to be paying more in tax. You're leaving money

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Speaker 3: on the table that's going to Uncle Sam, that should

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Speaker 3: be going to you and your family. And I was

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Speaker 3: giving an example at a client that came in last week.

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Speaker 3: Perfect example. They would take it out ten thousand dollars

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Speaker 3: from their IRA account and the broker said, go ahead

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Speaker 3: and do that. Meanwhile, if they took the ten thousand

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Speaker 3: from the non IRA account, they'll pay no tax. The

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Speaker 3: solid security wouldn't got taxed. But now the broker advised

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Speaker 3: them to take it from a different distribution source and

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Speaker 3: it caused more tax, and the solid security got tax

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Speaker 3: on top of it. And that's where it's so important

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Speaker 3: to make sure you have tax efficient strategies.

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Speaker 2: And that's what we can help you with. Well, go

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Speaker 2: back to one thing. We talk about retirement accounts. Right now,

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Speaker 2: the biggest question people ask is the rmds and how

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Speaker 2: much they have to take out, you know, what capital

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Speaker 2: gains they have on their retirement accounts. These are all

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Speaker 2: questions that you have that you need to call us

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Speaker 2: right now. Income planning for retirement turn your assets into paychecks.

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Speaker 2: Turn your assets into paychecks. And the only reason why

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Speaker 2: I say that twice is because you probably don't know

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Speaker 2: how to do that, how to transition from earning to withdrawing.

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Speaker 2: You know, you work all your life, you save, but

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Speaker 2: then you have to know how to withdraw that money,

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Speaker 2: and like Christen, in the most tax efficient way. You know,

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Speaker 2: there are strategies for sustainable withdrawals. The rule was four

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Speaker 2: percent rule, you know, take four percent out, four percent out,

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Speaker 2: but that's changed. What we do is we do bucket planning.

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Speaker 2: And bucket planning is a lot easier to understand than

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Speaker 2: just withdrawing and deleting that account. So social security, we

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Speaker 2: talk about pensions and annuities. What to know and how

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Speaker 2: to plan. These are questions that you should have and

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Speaker 2: you should be able to commit in talk to us

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Speaker 2: eight three to three Maggie techs sit down and do

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Speaker 2: income planning with us, and some investment planning and again

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Speaker 2: retirement planning. That's what we're talking about today. So you have,

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Speaker 2: you know, a purposeful reason for income planning and retirement planning.

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Speaker 3: Absolutely, and that's a wrap on incomplainning. But don't get

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Speaker 3: too comfortable because next time we're going to dive into

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Speaker 3: the world of investment plan that's we're going to lead

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Speaker 3: into next segment. You know, where your money doesn't just sit,

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Speaker 3: it works and it works hard. So we'll break down

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Speaker 3: smart strategies on cover hidden opportunities and show you how

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Speaker 3: to build a portfolio that's built to last, whether you're

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Speaker 3: just starting out or ready to level up. So stay

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Speaker 3: tuned stay sharp and get ready because the Maggie Tax

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Speaker 3: Advisory Show is right here and your future is on

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Speaker 3: the movie. Give us called a three to three Maggie Tax.

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Speaker 1: Stop funding Uncle Sam's retirement and start planning for your

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Speaker 1: own successful retirement. As we return to the Maggie Tax

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Speaker 1: Financial Show with your host Robert and Chris Maggie with

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Speaker 1: Meaggie Tax and Wealth Advisors. For information on how you

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Speaker 1: can create a tax free retirement, call eight three three

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Speaker 1: Maggie Tax, or visit Maggie Tax dot com. Now your

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Speaker 1: host with Maggie Tax and Wealth Advisors Robert and Chris Maggie.

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Speaker 2: Welcome back to the Maggie Tax and Financial Show. Today

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Speaker 2: we're talking about investment planning, but not just in terms

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Speaker 2: of charts and returns. We're talking about investing in your future,

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Speaker 2: in your family and your freedom, and that's what you

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Speaker 2: all should be thinking about. I'll never forget one client,

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Speaker 2: a single mom working two jobs, just trying to make

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Speaker 2: ends meet, and she didn't think investing was for her.

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Speaker 2: But we started small, like I said before, with a

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Speaker 2: plan built around her goals. Five years later, she had

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Speaker 2: enough saved to buy her first home and start a

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Speaker 2: college fund for her daughter and she cried. She cried

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Speaker 2: in my office when we told her, well, she told me,

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Speaker 2: actually not because of the money, but because she finally

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Speaker 2: felt secure. She finally felt hope. And that's what all

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Speaker 2: of you might be feeling right now. But it can

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Speaker 2: be done. That's what investment planning is really about. It's

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Speaker 2: not just about wealth. It's about possibility. And today we're

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Speaker 2: going to explore how you can take control of your

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Speaker 2: financial future, one smart decision at a time. And Churse,

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Speaker 2: I think what the problem is that most people feel

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Speaker 2: they got to do it all at once and they

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Speaker 2: don't realize that. Think about it. We all grew up

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Speaker 2: as a baby. Okay, we didn't just jump into college.

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Speaker 2: You know, we didn't run. We crawled and then we walked,

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Speaker 2: and then we ran and then life goes on. It's

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Speaker 2: the same thing with you know, investing for your retirement

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Speaker 2: for life. Isn't that correct? Absolutely?

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Speaker 3: And that's why you have to define your purpose before

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Speaker 3: you start with different products. And investment planning is key

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Speaker 3: and my dad said it, said it well, it's about possibility.

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Speaker 3: And investment planning starts with the question or the word

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Speaker 3: why why are you saving for retirement? Why are you

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Speaker 3: saving for a child's education? Why are you saving for

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Speaker 3: financial independence? These are the things that we need to

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Speaker 3: understand what your goals are. Right. Knowing your goals help

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Speaker 3: determine your risk tolerance, your time horizon, as well as

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Speaker 3: the right mix of assets to choose from. So At

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Speaker 3: our firm, we do complete planning and as a registered

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Speaker 3: investment advisory firm, we have a plethora of strategies and

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Speaker 3: investments that we can help you. Whether it's safety, whether

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Speaker 3: it's for growth, whether it's for inflation, whether it's for

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Speaker 3: a lot of dividend producing, whatever it is, we can

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Speaker 3: help you. We just need to understand what you're looking for.

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Speaker 2: You know, it reminds me when I was younger, and

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Speaker 2: many many people out there might remember what I'm going

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Speaker 2: to talk about, But I used to save for a

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Speaker 2: Christmas club because I'd save, you know, five dollars a

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Speaker 2: week or ten. You could do twenty and probably many

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Speaker 2: of you shake in your head. But at the end,

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Speaker 2: by October November, I used to get a check from

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Speaker 2: the bank for five hundred dollars or one thousand dollars

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Speaker 2: to buy Christmas presents. And that's how I learned how

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Speaker 2: to shop but I also learned how to save. But

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Speaker 2: here's the thing, you know, what is your risk level

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Speaker 2: when you do that? How do you invest money to

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Speaker 2: make money not to lose money? Because many people just think,

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Speaker 2: you know, it's the best stock, it's the best bond.

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Speaker 2: That's not the case. It's investment planning and risk tolerance. Chris,

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Speaker 2: and you talk about risk all the time, and this

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Speaker 2: is for everybody, young and old. You can take some

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Speaker 2: risk when you're young, you can take less risk when

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Speaker 2: you're older. And that's the thing.

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Speaker 3: You want to meet with an advisor who can determine

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Speaker 3: your risk. And if you don't know, then we can help.

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Speaker 3: So pick up the phone, schedule time to meet with us.

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Speaker 3: Let's talk about your investment plan. Whether you're working, you

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Speaker 3: put money away, whether you're retired and you just really

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Speaker 3: just have piles of money, there's really no idea and

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Speaker 3: purpose of what to do.

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Speaker 2: Well.

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Speaker 3: We can help with you with that because we can

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Speaker 3: look at your accounts, We can manage your accounts. We

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Speaker 3: can show a type of risk you're taking with your accounts.

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Speaker 3: Do you need income from them? We just want to

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Speaker 3: let it grow so we can diversify your portfolio and

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Speaker 3: diversification isn't just a buzzword. It's protection.

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Speaker 2: You know.

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Speaker 3: Spreading investments across asset classes like stocks, bonds, ETFs, real

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Speaker 3: estate helps reduce risk. I mean there's different types of

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Speaker 3: CDs or a straight fixed innuities or index and uities,

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Speaker 3: but a well diversified portfolio can weather market volatility and

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Speaker 3: keep your long term goals on track. And Dad, we

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Speaker 3: talk about this the rule of one hundred. How much

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Speaker 3: money should you have them we call green money? How

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Speaker 3: much should you have in what they call red money

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Speaker 3: and yellow money. So we can show this to you

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Speaker 3: when you come in and meet with us, because you

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Speaker 3: have to understand number one, what you have and then

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Speaker 3: two the answer the question why why are you investing in?

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Speaker 3: What we can do and we can show you how to

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Speaker 3: put together an investment plan exactly.

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Speaker 2: And that's why we call it the Maggie Plan. It's

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Speaker 2: a simple and easy plan to understand. It's a tax plan,

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Speaker 2: it's an income plan, it's an investment plan. It's a

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Speaker 2: legacy plan. How many of you out there don't have

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Speaker 2: some of those plans. So the question we would ask

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Speaker 2: you is what is your plan? And if you don't

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Speaker 2: have a plan, then you know what it's time to

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Speaker 2: get on the phone right now, give us a call

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Speaker 2: eight three to three, Magie tax and let's set a

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Speaker 2: time and sit down, because the easiest thing to do, Christopher,

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Speaker 2: most people out there is to sit down and talk

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Speaker 2: about it. Let's bring up what's the thing that keeps

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Speaker 2: you up at night. What do you want to fix

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Speaker 2: that you really think that can help you moving forward

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Speaker 2: without fear. And it's not about just investing in the

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Speaker 2: stock or the bond. You know, you know what the

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Speaker 2: market does. Everybody knows that it goes up, it goes down,

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Speaker 2: but over time is what you're looking for to make

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Speaker 2: this plan work. So there's a lot of things that

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Speaker 2: Chris talked about before, different strategies, and there's many concepts

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Speaker 2: that we want to educate you on. So give us

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Speaker 2: a call eight three to three. Maggie tax I have

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Speaker 2: operated standing by right now. We have offices in Tampa,

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Speaker 2: we have an office in Palm Harbor, we have an

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Speaker 2: office in Saint Pete. So there's no reason why you

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Speaker 2: can't meet with us. We could do it on the phone,

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Speaker 2: we could do it on a zoom call. But look,

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Speaker 2: it's up to you. You've got to take the time

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Speaker 2: to make this plan work for you. And like I

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Speaker 2: said before, if you do not have an income plan,

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Speaker 2: or a tax plan or an investment plan, I just

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Speaker 2: gave you the reason why you should give us a call.

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Speaker 2: Eight three to three Magi Tax.

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Speaker 3: Absolutely, so time is your greatest ally. You know, start early,

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Speaker 3: stay consistent. Even if fifty and you don't have a

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Speaker 3: retirement plan. You think that you don't, maybe you do.

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Speaker 3: You know, you can't start over, but you can start

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Speaker 3: right now and compound growth rewards patients. You know, even

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Speaker 3: small regular amounts can grow significantly over time. The earlier

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Speaker 3: to start, the more flexibility and freedom that you can

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Speaker 3: gain later in life. So when we talk about diversification,

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Speaker 3: we talk about a purpose. We're talking about time. These

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Speaker 3: are things that factor in on how you should invest.

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Speaker 3: And many people want to hit it big, real quick.

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Speaker 3: But the people who are patient and the people who

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Speaker 3: consistently put money in and they allocate money efficiently are

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Speaker 3: the ones with the great discipline moving forward. So pick

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Speaker 3: up the phone, schedule a time to meet with us.

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Speaker 3: As my dad mentioned before, we have offices on both

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Speaker 3: sides of the bay to help you. Eight three three

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Speaker 3: Maggie Tax visit our website at Maggie tax dot com.

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Speaker 3: There's so much information right there at your fingertips. You know,

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Speaker 3: there's educational workshops that we do. As we talked about,

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Speaker 3: come meet with us. Let's have a conversation. Let's sit down,

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Speaker 3: go over your tax strategies, your investment strategies. You're your

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Speaker 3: tax plan if you have one, if you don't, what

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Speaker 3: about your income plan. Many people have no estate planning,

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Speaker 3: so we can help you. You know you just heard

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Speaker 3: now that investment planning can turn uncertainty into opportunity and

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Speaker 3: dreams into reality. We can do that. But here's the truth.

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Speaker 3: The longer you wait, the harder it gets. The best

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Speaker 3: time to start was yesterday, but the next best time

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Speaker 3: is right now. Whether you're building wealth, securing your family future,

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Speaker 3: or chasing financial freedom, it starts with a conversation. Pick

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Speaker 3: up the phone, schedule time to meet with us. So

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Speaker 3: just don't think about it. Act call now, book your

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Speaker 3: appointment and meet with us. Let's build a plan that

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Speaker 3: works for you, because your future isn't waiting, and neither

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Speaker 3: should do. Eight three to three Maggie Tax. That's eight

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Speaker 3: three to three Maggie tax.

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Speaker 1: Stop funding uncle Sam's retirement and start planning for your

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Speaker 1: own successful retirement as we return to the Maggie Tax

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Speaker 1: Financial Show with your host Robert and Chris Maggie with

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Speaker 1: Maggie Tax and Wealth Advisors. For information on how you

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Speaker 1: can create a tax free retirement, call eight three three

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Speaker 1: Maggie Tax or visit Maggie Tax dot com. Now your

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Speaker 1: host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie,

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Speaker 1: Welcome back.

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Speaker 3: To the Maggie Tax and Financial Show, where your Money

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Speaker 3: meets meaning. We just talked about how to grow your

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Speaker 3: wealth through smart investment planning, but now we turn to

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Speaker 3: something even more important, protecting that wealth for people you love.

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Speaker 3: Because true financial success isn't just about what you build,

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Speaker 3: It's about what you leave behind. Estate planning is the

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Speaker 3: bridge between your hard work and your legacy, and without it,

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Speaker 3: your assets could end up tangled in probate, delayed, and

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Speaker 3: drained far from your future that you and vision for

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Speaker 3: your family, and you don't want that. So today we're

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Speaker 3: going to start out and show you and make sure

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Speaker 3: that your home, your accounts, your business, everything you work

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Speaker 3: so hard for passes smoothly, privately and powerfully to the

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Speaker 3: next generation, because that's what you deserve. It's not about

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Speaker 3: just having millions of dollars and only the wealthy can

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Speaker 3: do that. Everybody can do that if you just do

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Speaker 3: the right place planning. So let's talk about trusts and

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Speaker 3: wills and benefit serity designations and the tools that turn

433
00:20:05,560 --> 00:20:08,640
Speaker 3: planning into peace of mind. So this is more than

434
00:20:08,680 --> 00:20:11,399
Speaker 3: just paperwork. It's your legacy, and you know, let's protect

435
00:20:11,400 --> 00:20:13,639
Speaker 3: it together. And Dad, how many times do we see

436
00:20:14,080 --> 00:20:17,760
Speaker 3: people come in they got no plan, they got piles

437
00:20:17,760 --> 00:20:20,200
Speaker 3: of money, they come in all happy, Hey, this is

438
00:20:20,200 --> 00:20:22,399
Speaker 3: what I say. You look at my accounts, and but

439
00:20:22,480 --> 00:20:25,919
Speaker 3: again it's pretty much there's nothing under it to protect

440
00:20:25,960 --> 00:20:26,720
Speaker 3: it well.

441
00:20:26,520 --> 00:20:28,959
Speaker 2: Because no one took the time to educate them. And

442
00:20:29,040 --> 00:20:31,240
Speaker 2: think about it. You go to school to learn and

443
00:20:31,280 --> 00:20:33,960
Speaker 2: then you have to take a topic or a subject

444
00:20:33,960 --> 00:20:35,600
Speaker 2: and you get a test on it. And I don't

445
00:20:35,600 --> 00:20:38,760
Speaker 2: think anyone's ever you know, tested anybody on investment planning

446
00:20:38,880 --> 00:20:41,840
Speaker 2: or what we're talking about, you know, a state planning.

447
00:20:41,880 --> 00:20:44,240
Speaker 2: So let's kind of recap some of the things on

448
00:20:44,280 --> 00:20:46,760
Speaker 2: the investment plan that we talked about. Think about it.

449
00:20:46,760 --> 00:20:49,199
Speaker 2: You've built the wealth, now let's protect it. But the

450
00:20:49,240 --> 00:20:50,960
Speaker 2: other thing, like Chris is mentioning what do you do

451
00:20:51,040 --> 00:20:54,720
Speaker 2: with it? So a state planning, it's not just about money,

452
00:20:54,720 --> 00:20:56,840
Speaker 2: it's about meaning, what are you going to do with it?

453
00:20:57,200 --> 00:21:00,800
Speaker 2: How do you want it to pass your beneficiaries? Trust? Okay,

454
00:21:00,920 --> 00:21:03,720
Speaker 2: anything happens to me, my wife gets it. Anything apps

455
00:21:03,760 --> 00:21:05,840
Speaker 2: to my wife and I my two boys get it,

456
00:21:05,920 --> 00:21:08,040
Speaker 2: and anything appens to them. Guess where it passes down

457
00:21:08,080 --> 00:21:11,199
Speaker 2: to the grandkids. So when you think about that, is

458
00:21:11,240 --> 00:21:13,120
Speaker 2: that the kind of plan you have or you don't

459
00:21:13,119 --> 00:21:17,000
Speaker 2: even know yet? So you know it's basically an emotional hook.

460
00:21:17,560 --> 00:21:20,120
Speaker 2: What happens to your assets when you're gone? And Chris,

461
00:21:20,119 --> 00:21:23,400
Speaker 2: this is where I think people get I would say sidetracked.

462
00:21:23,400 --> 00:21:25,679
Speaker 2: But when they meet with an advisor, it's all about

463
00:21:25,680 --> 00:21:27,720
Speaker 2: selling them something. Think about it. They come in with

464
00:21:27,760 --> 00:21:30,600
Speaker 2: their statement, they give it to you know, a custodian,

465
00:21:30,640 --> 00:21:33,359
Speaker 2: and they invest it. But what happens after that? What

466
00:21:33,400 --> 00:21:35,600
Speaker 2: do they do with it? Do they keep it, do

467
00:21:35,640 --> 00:21:37,679
Speaker 2: they lose it? And then when they need money to

468
00:21:38,000 --> 00:21:40,359
Speaker 2: then the big question when you ask everybody this is

469
00:21:40,359 --> 00:21:43,639
Speaker 2: always a funny question, how much do you need every

470
00:21:43,680 --> 00:21:46,000
Speaker 2: month coming in the front door. When you ask that question,

471
00:21:46,520 --> 00:21:50,480
Speaker 2: people go, I don't know and that just bewilders me

472
00:21:50,560 --> 00:21:53,520
Speaker 2: all the time because no one that's a perfect point, Chris.

473
00:21:53,800 --> 00:21:56,000
Speaker 2: No one talks about it. That's just it.

474
00:21:56,119 --> 00:21:57,760
Speaker 3: And you know, I was listening to you and you

475
00:21:57,840 --> 00:22:01,159
Speaker 3: made a great question to listen listener here and to

476
00:22:01,200 --> 00:22:04,800
Speaker 3: me as well, listening. What happens when your assets to

477
00:22:04,880 --> 00:22:06,040
Speaker 3: your assets when you're gone?

478
00:22:06,760 --> 00:22:08,520
Speaker 2: Think about that. Let that digest for a minute.

479
00:22:08,560 --> 00:22:13,720
Speaker 3: Do you know and if you know totally in confirmation,

480
00:22:13,760 --> 00:22:15,280
Speaker 3: is one hundred percent that you know where it's going

481
00:22:15,359 --> 00:22:17,400
Speaker 3: to go, then that's a great thing. But I bet

482
00:22:17,440 --> 00:22:20,199
Speaker 3: you that most listeners today have a doubt, they have

483
00:22:20,320 --> 00:22:21,080
Speaker 3: questions in mind.

484
00:22:21,119 --> 00:22:22,920
Speaker 2: They don't know really where it's going to go.

485
00:22:23,080 --> 00:22:24,880
Speaker 3: I'm talking about your bank accounts. I'm talking about your

486
00:22:24,880 --> 00:22:26,920
Speaker 3: form case. So I'm talking about your IRA, your roth IRA,

487
00:22:27,000 --> 00:22:29,200
Speaker 3: your brokerage account. Think about those accounts. What are the

488
00:22:29,200 --> 00:22:32,199
Speaker 3: savings accounts that you have? What about your house? So

489
00:22:32,280 --> 00:22:34,480
Speaker 3: what do you do? Why is the state planning so

490
00:22:34,720 --> 00:22:36,760
Speaker 3: essential because you want to avoid probate?

491
00:22:36,840 --> 00:22:37,520
Speaker 2: What's probate?

492
00:22:37,600 --> 00:22:40,560
Speaker 3: Probates the court system that's who's going to make decisions

493
00:22:40,560 --> 00:22:42,640
Speaker 3: on your state and doesn't have to be that way.

494
00:22:42,920 --> 00:22:46,080
Speaker 3: There's delays, there's cost there's public exposure.

495
00:22:46,480 --> 00:22:46,920
Speaker 2: My gosh.

496
00:22:47,000 --> 00:22:49,400
Speaker 3: We have a piece in our office on celebrities who

497
00:22:49,440 --> 00:22:52,440
Speaker 3: went through probate. Oh my goodness. When you sit there

498
00:22:52,480 --> 00:22:55,920
Speaker 3: and look at what they went through, millions and millions

499
00:22:55,920 --> 00:22:59,200
Speaker 3: of dollars wasted and now we know all about their estate.

500
00:22:59,240 --> 00:23:01,919
Speaker 3: We don't have to same thing for you. You know, we

501
00:23:01,960 --> 00:23:05,760
Speaker 3: want to ensure that assets pass to your loved ones smoothly,

502
00:23:06,359 --> 00:23:10,720
Speaker 3: not through havoc and fights and time and delays. You know,

503
00:23:10,760 --> 00:23:14,400
Speaker 3: we want to prevent family disputes and confusion. My gosh, Dad,

504
00:23:14,400 --> 00:23:16,280
Speaker 3: how many stories can we talk about with this.

505
00:23:16,200 --> 00:23:18,120
Speaker 2: Well, too many to be honest with you, and they're

506
00:23:18,160 --> 00:23:20,680
Speaker 2: scary and they're honest stories and they're real. And let

507
00:23:20,680 --> 00:23:23,920
Speaker 2: me also throw this out at you everyone listening. Today.

508
00:23:23,960 --> 00:23:26,879
Speaker 2: We do an estate planning seminar. We do four a

509
00:23:26,920 --> 00:23:29,600
Speaker 2: month because go to my website, Maggie tax dot com

510
00:23:29,760 --> 00:23:32,000
Speaker 2: click on seminars. You'll see the dates. We hold them

511
00:23:32,000 --> 00:23:35,280
Speaker 2: at libraries and we hold them either at eleven o'clock

512
00:23:35,359 --> 00:23:37,840
Speaker 2: or two o'clock in the afternoon. I don't buy dinners

513
00:23:37,880 --> 00:23:39,760
Speaker 2: because it's just not going to help me help you.

514
00:23:40,080 --> 00:23:42,119
Speaker 2: I want you to come for the education. Everything just

515
00:23:42,240 --> 00:23:45,040
Speaker 2: Chris just mentioned here. It's amazing how many people are

516
00:23:45,080 --> 00:23:47,560
Speaker 2: sitting there saying, Gee, I wish I would have done that,

517
00:23:47,600 --> 00:23:49,600
Speaker 2: Gee I wish I would have done that. Folks, it's

518
00:23:49,720 --> 00:23:51,960
Speaker 2: very easy, it's very cheap, and it's going to save

519
00:23:52,000 --> 00:23:54,800
Speaker 2: you thousands of dollars. So just go to my website

520
00:23:54,880 --> 00:23:57,439
Speaker 2: Maggie tax dot com, click on seminars. You'll see all

521
00:23:57,480 --> 00:24:00,560
Speaker 2: the dates there every month. There's four times a month

522
00:24:00,640 --> 00:24:02,440
Speaker 2: right now, and we're probably going to do more because

523
00:24:02,440 --> 00:24:05,000
Speaker 2: it's so important. Well, Chris and I are talking about

524
00:24:05,000 --> 00:24:07,840
Speaker 2: and what we see every day. It's really sad that

525
00:24:07,960 --> 00:24:10,639
Speaker 2: you don't know about something simple enough to get a

526
00:24:10,680 --> 00:24:14,000
Speaker 2: will or a trust you know or which one is better?

527
00:24:14,440 --> 00:24:16,240
Speaker 2: Even like if you have a home, I'll mention this

528
00:24:16,359 --> 00:24:18,840
Speaker 2: a quick claim deed or a lady bird deed. Why

529
00:24:18,840 --> 00:24:21,440
Speaker 2: am I mentioning that to avoid one thing? Chris, it's

530
00:24:21,440 --> 00:24:24,360
Speaker 2: called probate. How many clients do we see every day

531
00:24:24,400 --> 00:24:26,679
Speaker 2: they have you mentioned it before, millions of dollars in

532
00:24:26,720 --> 00:24:28,879
Speaker 2: their IRA four oh one k and they don't have

533
00:24:28,960 --> 00:24:31,359
Speaker 2: any of these documents. And you know how we find

534
00:24:31,359 --> 00:24:33,800
Speaker 2: out when the children come in and they say, you know, guys,

535
00:24:33,840 --> 00:24:36,200
Speaker 2: I can't get my money from my parents, it's going

536
00:24:36,240 --> 00:24:39,439
Speaker 2: through probate. Yeah, you think that's the reason. Why, So

537
00:24:39,480 --> 00:24:41,560
Speaker 2: do you want that to happen to you? And it's

538
00:24:41,560 --> 00:24:43,080
Speaker 2: the cheapest thing you could do?

539
00:24:43,280 --> 00:24:46,000
Speaker 3: Absolutely, And you know when we hear those stories, we

540
00:24:46,119 --> 00:24:49,120
Speaker 3: just cringe. And then we started looking into where they

541
00:24:49,119 --> 00:24:51,119
Speaker 3: came from. And then you come to find out that

542
00:24:51,240 --> 00:24:55,440
Speaker 3: mom and dad had their advisor for twenty twenty five

543
00:24:55,520 --> 00:24:57,719
Speaker 3: years and then you say they didn't talk to them

544
00:24:57,720 --> 00:25:00,520
Speaker 3: about this. Wow, they manage their money really great. But

545
00:25:00,560 --> 00:25:04,720
Speaker 3: guess what now you got probaate cost and time and money.

546
00:25:05,040 --> 00:25:07,280
Speaker 3: How do you go about doing that? And that's why

547
00:25:07,560 --> 00:25:09,240
Speaker 3: if you have an advisor now and that's not talking

548
00:25:09,240 --> 00:25:12,120
Speaker 3: about total state planning and income planning and tax planning,

549
00:25:12,560 --> 00:25:14,960
Speaker 3: then I really raised the question that you should come

550
00:25:15,000 --> 00:25:17,280
Speaker 3: in and meet with us, because let's have a conversation.

551
00:25:17,320 --> 00:25:19,880
Speaker 3: If you're looking for a complete plan, we can help

552
00:25:19,960 --> 00:25:22,040
Speaker 3: eight three to three Maggie tax. That's eight three to

553
00:25:22,040 --> 00:25:24,160
Speaker 3: three Maggie tax. Well, let me hurt you a little

554
00:25:24,160 --> 00:25:26,120
Speaker 3: bit more. Okay, this is really important.

555
00:25:26,440 --> 00:25:29,680
Speaker 2: How many of you have done a beneficiary change or

556
00:25:29,720 --> 00:25:32,800
Speaker 2: a benefit Have you checked your beneficiaries? Because what Chris

557
00:25:32,880 --> 00:25:35,360
Speaker 2: just mentioned when some people pass and then we look

558
00:25:35,400 --> 00:25:38,200
Speaker 2: at the beneficiary. Guess what, it's not what you thought

559
00:25:38,200 --> 00:25:40,640
Speaker 2: it was because you did this ten, fifteen, twenty years ago.

560
00:25:41,080 --> 00:25:42,800
Speaker 2: So I challenge all of you give us a call,

561
00:25:42,880 --> 00:25:45,600
Speaker 2: sit down with us. Eight three to three, Maggie Tax.

562
00:25:45,920 --> 00:25:48,879
Speaker 2: Let's review your documents to see if they're correct. Because

563
00:25:49,200 --> 00:25:51,879
Speaker 2: again here's another question. How many of you have or

564
00:25:51,960 --> 00:25:55,760
Speaker 2: have not a power of attorney on healthcare directives? What

565
00:25:55,840 --> 00:25:58,040
Speaker 2: happens if something happens to you and you need a

566
00:25:58,080 --> 00:26:01,520
Speaker 2: healthcare decision to be made, Who's going to make it? Okay,

567
00:26:01,640 --> 00:26:03,200
Speaker 2: this is what we see every day, and this is

568
00:26:03,240 --> 00:26:06,080
Speaker 2: why we do the show because there's so many things

569
00:26:06,080 --> 00:26:08,080
Speaker 2: that you could do to make it better. You just

570
00:26:08,119 --> 00:26:11,119
Speaker 2: got to sit down, have a conversation, go over And

571
00:26:11,160 --> 00:26:13,520
Speaker 2: I said this before, what keeps you up at night?

572
00:26:14,320 --> 00:26:16,760
Speaker 2: So what if what keeps you up at night someone

573
00:26:16,840 --> 00:26:19,959
Speaker 2: passed away and then going through probate? Doesn't that bother you?

574
00:26:20,440 --> 00:26:22,520
Speaker 2: I think it should and I know it bothers me

575
00:26:22,560 --> 00:26:23,959
Speaker 2: when I see it all the time, and Chris and

576
00:26:23,960 --> 00:26:25,720
Speaker 2: I see it all the time. There's not that I

577
00:26:25,720 --> 00:26:28,000
Speaker 2: can do about it unless you want to do something

578
00:26:28,040 --> 00:26:31,159
Speaker 2: about it. Eight three three Maggie Tax and Chris, this

579
00:26:31,240 --> 00:26:33,520
Speaker 2: is so important when you talk about the things we're

580
00:26:33,520 --> 00:26:36,960
Speaker 2: talking about today, investment strategies, income planning, and now is

581
00:26:37,040 --> 00:26:39,800
Speaker 2: state planning. These are common things that you all should

582
00:26:39,800 --> 00:26:42,040
Speaker 2: be thinking of. So get the.

583
00:26:42,080 --> 00:26:45,120
Speaker 3: Right time do it. Eight three to three. Maggie Tax,

584
00:26:45,160 --> 00:26:46,679
Speaker 3: and I said, just get the Maggie Plan. Visit our

585
00:26:46,720 --> 00:26:49,000
Speaker 3: website at Maggie tax dot com. That's M A G G,

586
00:26:49,200 --> 00:26:51,800
Speaker 3: I T A X dot com. All their informations right there.

587
00:26:52,200 --> 00:26:55,439
Speaker 3: But I'll give a quick example. I never forget this story.

588
00:26:56,080 --> 00:26:58,760
Speaker 3: I've been this a business over twenty years, and I'll

589
00:26:58,760 --> 00:27:00,840
Speaker 3: tell you the second year I was in this business,

590
00:27:01,520 --> 00:27:04,240
Speaker 3: I came across a client who had twenty thousand dollars

591
00:27:04,320 --> 00:27:07,560
Speaker 3: to her name, but her brother passed away who lived

592
00:27:07,560 --> 00:27:11,600
Speaker 3: in California, and he had two million dollars. So we

593
00:27:11,640 --> 00:27:13,560
Speaker 3: met with our client and we took care of her

594
00:27:13,600 --> 00:27:15,760
Speaker 3: because it's not about how much money you have, it's

595
00:27:15,760 --> 00:27:17,919
Speaker 3: about the whole process. So she came on in and

596
00:27:17,960 --> 00:27:20,040
Speaker 3: she told us, you know, her brother passed away, and

597
00:27:20,160 --> 00:27:22,240
Speaker 3: we felt terrible for her, and we found that some

598
00:27:22,320 --> 00:27:24,880
Speaker 3: information that he had two CDs with the same bank.

599
00:27:25,320 --> 00:27:28,160
Speaker 3: One million dollars was with one CD and the other

600
00:27:28,200 --> 00:27:29,520
Speaker 3: million dollars, which is with the.

601
00:27:29,480 --> 00:27:30,600
Speaker 2: Other But guess what.

602
00:27:31,359 --> 00:27:34,280
Speaker 3: The one CD had proper beneficiary designation where the other

603
00:27:34,320 --> 00:27:36,960
Speaker 3: one did not. So the million dollars went to her

604
00:27:37,160 --> 00:27:40,160
Speaker 3: and avoided probate because it was the right transfer, very

605
00:27:40,200 --> 00:27:43,880
Speaker 3: quickly and efficiently. But the other million it took eighteen months.

606
00:27:44,440 --> 00:27:48,080
Speaker 3: Eighteen months through probate. He had attorney costs, you had fees,

607
00:27:48,560 --> 00:27:52,000
Speaker 3: everyone knew about his public record and everything. And guess

608
00:27:52,000 --> 00:27:55,080
Speaker 3: what it call could have been avoided. So the same bank,

609
00:27:55,800 --> 00:27:57,960
Speaker 3: how did this all mess up? Because they didn't do

610
00:27:58,040 --> 00:28:02,160
Speaker 3: the proper planning. So pickup phone, schedule appointment today. Don't

611
00:28:02,240 --> 00:28:05,400
Speaker 3: let this happen to you. Eight three three, Maggie tax.

612
00:28:05,480 --> 00:28:07,520
Speaker 3: That's eight three three, Maggie tax.

613
00:28:07,920 --> 00:28:10,840
Speaker 2: Let me make it simple. Your legacy starts now, and

614
00:28:10,880 --> 00:28:14,159
Speaker 2: think about it. You've worked hard, you've saved, you invested

615
00:28:14,200 --> 00:28:17,399
Speaker 2: and built a life worth protecting. But without a plan,

616
00:28:17,560 --> 00:28:20,520
Speaker 2: everything that you've built could be left to chance. That's

617
00:28:20,560 --> 00:28:23,400
Speaker 2: not a good plan. A state planning isn't just about

618
00:28:23,440 --> 00:28:27,080
Speaker 2: avoiding propriate It's about making sure that your family doesn't

619
00:28:27,160 --> 00:28:31,040
Speaker 2: have to fight through red tape while grieving. That's the

620
00:28:31,040 --> 00:28:36,200
Speaker 2: worst time. It's about clarity, compassion, and control. So ask yourself,

621
00:28:36,600 --> 00:28:40,080
Speaker 2: if something happened tomorrow, would your loved ones know what

622
00:28:40,240 --> 00:28:42,720
Speaker 2: to do? Would your wife know what to do? Would

623
00:28:42,720 --> 00:28:45,320
Speaker 2: your children know what to do? Would your assets go

624
00:28:45,800 --> 00:28:49,120
Speaker 2: to where you intended? Would your legacy be protected? And

625
00:28:49,160 --> 00:28:52,120
Speaker 2: that's important? Okay, if you're not sure, it's time to

626
00:28:52,200 --> 00:28:55,760
Speaker 2: act eight three to three Maggie Tax calls today. Let's

627
00:28:55,800 --> 00:28:59,360
Speaker 2: build a plan that honors your life. He protects your family.

628
00:29:00,000 --> 00:29:03,000
Speaker 2: It gives you peace of mind because your legacy deserves

629
00:29:03,000 --> 00:29:06,040
Speaker 2: more than hope. It deserves a strategy. And Chris, so

630
00:29:06,120 --> 00:29:08,560
Speaker 2: many times when we meet with people, we get through

631
00:29:08,600 --> 00:29:11,920
Speaker 2: an appointment, it's always like, what do you have? It's

632
00:29:11,960 --> 00:29:14,400
Speaker 2: not what we have, it's what would you like to do?

633
00:29:15,120 --> 00:29:17,040
Speaker 2: What is your planet? Why are you here to see

634
00:29:17,120 --> 00:29:19,480
Speaker 2: Chris and I today? And I think all of you

635
00:29:19,520 --> 00:29:21,880
Speaker 2: out there have to start asking that question. If you're

636
00:29:21,880 --> 00:29:24,680
Speaker 2: going to meet with the advisor, how can they help you?

637
00:29:25,360 --> 00:29:28,800
Speaker 2: What are they going to help you with? Just an investment? Folks,

638
00:29:28,800 --> 00:29:31,520
Speaker 2: that's not good. And that's why we're successful at what

639
00:29:31,560 --> 00:29:34,640
Speaker 2: we do on the Maggie Plan because we talk about taxes,

640
00:29:34,840 --> 00:29:38,520
Speaker 2: we talk about investments, we talk about social security, pensions.

641
00:29:38,800 --> 00:29:41,120
Speaker 2: We talk about wills, trust and everything else that goes

642
00:29:41,120 --> 00:29:43,480
Speaker 2: along with it. And you know what, if your advisor

643
00:29:43,560 --> 00:29:46,200
Speaker 2: is not doing that, shame on them. And one thing

644
00:29:46,280 --> 00:29:48,760
Speaker 2: Chris mentioned before, So what if you had an advisor

645
00:29:48,800 --> 00:29:51,280
Speaker 2: for twenty years, now go back and ask them why

646
00:29:51,320 --> 00:29:52,440
Speaker 2: they didn't finish the job.

647
00:29:52,600 --> 00:29:55,680
Speaker 3: But that's it, and that's why it's so important. And

648
00:29:55,000 --> 00:29:57,920
Speaker 3: your future begins with one phone call. Pick up the phone,

649
00:29:58,000 --> 00:29:59,880
Speaker 3: schedule time to meet with us. Let's have a conversation.

650
00:30:00,240 --> 00:30:01,760
Speaker 3: We have office on both sides of the bay. But

651
00:30:01,840 --> 00:30:04,160
Speaker 3: when we do complete planning such as income planning and

652
00:30:04,400 --> 00:30:07,120
Speaker 3: your investment playing and planning and how it incorporates with

653
00:30:07,160 --> 00:30:08,600
Speaker 3: your taxes and how much you're going to pay at

654
00:30:08,600 --> 00:30:10,760
Speaker 3: tax and your legacy plan, you can see how this

655
00:30:10,880 --> 00:30:13,560
Speaker 3: all fits together. And that's why we call it the

656
00:30:13,600 --> 00:30:17,120
Speaker 3: Maggie Plan. And that's why we call it the Maggie Plan.

657
00:30:17,240 --> 00:30:20,560
Speaker 3: Putting your puzzle pieces together, we can definitely do it

658
00:30:20,640 --> 00:30:22,920
Speaker 3: for you. It starts with a phone call eight three

659
00:30:22,960 --> 00:30:25,800
Speaker 3: to three Maggie tax. That's a three to three Maggie tax.

660
00:30:25,920 --> 00:30:28,480
Speaker 3: And don't forget Tune in every Sunday on ABC TV

661
00:30:28,560 --> 00:30:30,720
Speaker 3: at ten thirty for the Maggie Tax and Financial Show

662
00:30:31,040 --> 00:30:32,600
Speaker 3: eight three three Maggie Tax.

663
00:30:32,840 --> 00:30:34,440
Speaker 2: That's eight three to three Maggie Tax.

664
00:30:38,400 --> 00:30:41,959
Speaker 1: Stop funding Uncle Sam's retirement and start planning for your

665
00:30:42,000 --> 00:30:45,480
Speaker 1: own successful retirement. As we return to the Maggie Tax

666
00:30:45,520 --> 00:30:48,920
Speaker 1: Financial Show with your host Robert and Chris Maggie with

667
00:30:49,040 --> 00:30:52,160
Speaker 1: Maggie Tax and Wealth Advisors. For information on how you

668
00:30:52,200 --> 00:30:55,800
Speaker 1: can create a tax free retirement, call eight three three

669
00:30:56,240 --> 00:31:00,560
Speaker 1: Maggie Tax, or visit Maggie Tax dot com. Now your

670
00:31:00,560 --> 00:31:04,400
Speaker 1: host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.

671
00:31:04,960 --> 00:31:07,800
Speaker 2: Welcome back to the Maggie Tax and Financial Show. My

672
00:31:07,880 --> 00:31:09,800
Speaker 2: name is Robert Maggie and I'm here with my son,

673
00:31:10,040 --> 00:31:12,479
Speaker 2: Chris Maggie. So we've been talking about an awful lot

674
00:31:12,480 --> 00:31:15,120
Speaker 2: today and if you have questions or concerns, now is

675
00:31:15,160 --> 00:31:17,000
Speaker 2: the time to pick up the phone. Eight three to

676
00:31:17,120 --> 00:31:20,400
Speaker 2: three Maggie Tax, and don't forget. Every Sunday at ten

677
00:31:20,520 --> 00:31:23,640
Speaker 2: thirty on ABC TV, tune into the Maggie Tax and

678
00:31:23,680 --> 00:31:26,000
Speaker 2: Financial Show. We talk about a lot of things that

679
00:31:26,080 --> 00:31:28,200
Speaker 2: might help you out, So give us a call eight

680
00:31:28,320 --> 00:31:31,120
Speaker 2: three to three Maggie Tax, and think about it. You've

681
00:31:31,160 --> 00:31:34,800
Speaker 2: built the life protected your legacy and made sure you'll

682
00:31:34,840 --> 00:31:37,480
Speaker 2: love the ones won't be burdened by probate. We talked

683
00:31:37,520 --> 00:31:40,200
Speaker 2: about that before, but here's the question we really ask,

684
00:31:40,560 --> 00:31:44,440
Speaker 2: who's helping you connect all the dots? Because the state

685
00:31:44,480 --> 00:31:46,920
Speaker 2: planning is just one piece of the puzzle, and if

686
00:31:46,960 --> 00:31:49,920
Speaker 2: the rest of your financial life isn't aligned, even the

687
00:31:49,960 --> 00:31:53,000
Speaker 2: best plan can fall short. And here's the problem. The

688
00:31:53,080 --> 00:31:55,440
Speaker 2: problem too often is that people work with a tax

689
00:31:55,520 --> 00:31:59,680
Speaker 2: preparer in one corner, an investment advisor in another, and

690
00:31:59,720 --> 00:32:02,479
Speaker 2: maybe in a state attorney somewhere down the line. But

691
00:32:02,520 --> 00:32:05,200
Speaker 2: no one's talking to each other. And that's how things

692
00:32:05,240 --> 00:32:09,440
Speaker 2: get messed up. That's how things get missed. Beneficiaries don't match,

693
00:32:09,520 --> 00:32:13,760
Speaker 2: tax strategies, conflict with income plans, and opportunities slip through

694
00:32:13,760 --> 00:32:16,800
Speaker 2: the cracks. And that's the probably the biggest mistake and

695
00:32:16,840 --> 00:32:20,680
Speaker 2: the most common mistake most people make. So, Chris, what's

696
00:32:20,720 --> 00:32:23,400
Speaker 2: the solution to all this? How simple can it be?

697
00:32:23,480 --> 00:32:26,440
Speaker 3: Well, that's so important, and that's why you need a

698
00:32:26,480 --> 00:32:30,400
Speaker 3: complete advisor, someone who sees the full picture your taxes,

699
00:32:30,440 --> 00:32:33,000
Speaker 3: your investments, your retirement income, and your a state plan

700
00:32:33,400 --> 00:32:36,520
Speaker 3: and brings it all together. And a complete advisor doesn't

701
00:32:36,560 --> 00:32:40,800
Speaker 3: just react to problems, they anticipate them. They build strategies

702
00:32:40,800 --> 00:32:42,960
Speaker 3: that work in harmony, not isolation. And that's what we

703
00:32:43,000 --> 00:32:44,960
Speaker 3: do here. We call it the Maggie Plan, and that's

704
00:32:44,960 --> 00:32:46,960
Speaker 3: why we want you to visit our website, Maggie tax

705
00:32:47,000 --> 00:32:49,440
Speaker 3: dot com, because we can put it all together. If

706
00:32:49,480 --> 00:32:52,280
Speaker 3: you ever felt like your financial life is a stack

707
00:32:52,320 --> 00:32:55,000
Speaker 3: of disconnected folders, do you ever think about that, Well,

708
00:32:55,040 --> 00:32:57,200
Speaker 3: it's time to change that. And that's why you can

709
00:32:57,280 --> 00:32:59,080
Speaker 3: just pick up the phone. It starts with you pick

710
00:32:59,120 --> 00:33:01,600
Speaker 3: up the phone, schedule to meet with us. Let's sit

711
00:33:01,640 --> 00:33:05,000
Speaker 3: down and build a plan that's not just smart, it's

712
00:33:05,160 --> 00:33:10,160
Speaker 3: complete because your future doesn't deserve to have fragments. It

713
00:33:10,240 --> 00:33:13,400
Speaker 3: deserves a team that sees the whole view and mind.

714
00:33:13,480 --> 00:33:16,680
Speaker 3: And that's why we talk about complete planning. There's transactional

715
00:33:16,720 --> 00:33:20,360
Speaker 3: advisors out there, but then there's complete planners. And that's

716
00:33:20,360 --> 00:33:22,560
Speaker 3: why we set up our company this way because we

717
00:33:22,640 --> 00:33:24,880
Speaker 3: understand the tax side of things, the investment side, the

718
00:33:24,920 --> 00:33:27,720
Speaker 3: income planning, the estate planning, you know what about social

719
00:33:27,720 --> 00:33:29,840
Speaker 3: security and medicare planning. We can help it all this.

720
00:33:30,480 --> 00:33:33,720
Speaker 3: So we have the people in place in house, so

721
00:33:33,720 --> 00:33:36,080
Speaker 3: you don't have to go each and everywhere, and that's

722
00:33:36,080 --> 00:33:39,080
Speaker 3: why all you got to do is schedule appointment to

723
00:33:39,160 --> 00:33:41,360
Speaker 3: meet with us A three three Maggie Tacks.

724
00:33:41,360 --> 00:33:43,240
Speaker 2: You know, as you're talking about that thing came to

725
00:33:43,280 --> 00:33:45,240
Speaker 2: my mind. I mean, you know how silly I could get.

726
00:33:45,280 --> 00:33:47,080
Speaker 2: But what I'm going to do is make a puzzle.

727
00:33:47,560 --> 00:33:49,880
Speaker 2: And it's like a small puzzle, maybe an eight and

728
00:33:49,880 --> 00:33:52,560
Speaker 2: a half by eleven. And when clients come in, we're

729
00:33:52,560 --> 00:33:54,200
Speaker 2: going to give them the puzzle and see if they

730
00:33:54,200 --> 00:33:56,160
Speaker 2: could put it together. Maybe that might work.

731
00:33:57,080 --> 00:34:00,000
Speaker 3: It's hard enough with them as it is, because many

732
00:34:00,000 --> 00:34:02,440
Speaker 3: people see all honesty, you made a joke about it.

733
00:34:02,480 --> 00:34:05,240
Speaker 3: But you know, people come in and and they're confused

734
00:34:05,240 --> 00:34:07,040
Speaker 3: and they want help, right and they've been saying, I've

735
00:34:07,040 --> 00:34:09,400
Speaker 3: been wanting this for years, and I've listen to your

736
00:34:09,400 --> 00:34:11,440
Speaker 3: show for a long time, and you know, it hit

737
00:34:11,480 --> 00:34:13,520
Speaker 3: me a lot of times, and I want to do this.

738
00:34:13,680 --> 00:34:15,440
Speaker 3: And I asked them why haven't they done it? And

739
00:34:15,440 --> 00:34:17,840
Speaker 3: they said, well, time, you know, I just haven't gotten

740
00:34:17,880 --> 00:34:19,600
Speaker 3: to it. Or you know, I've been looking in but

741
00:34:19,640 --> 00:34:22,440
Speaker 3: I haven't found. Uh. This is a lot of different reasons,

742
00:34:22,480 --> 00:34:24,880
Speaker 3: but now is the time. The time is now. You

743
00:34:24,880 --> 00:34:26,480
Speaker 3: can't start over, but you can start right now.

744
00:34:26,520 --> 00:34:28,359
Speaker 2: And that's why we call it the Maggie Plan. It's

745
00:34:28,400 --> 00:34:31,560
Speaker 2: simple and easy to understand, and it's even easy if

746
00:34:31,560 --> 00:34:34,040
Speaker 2: we put the puzzle together for you. So eight three

747
00:34:34,160 --> 00:34:36,919
Speaker 2: three Maggie Tax. This is on you, folks, It's on you.

748
00:34:37,280 --> 00:34:38,879
Speaker 2: All you got to do is pick up the phone, call,

749
00:34:39,200 --> 00:34:41,080
Speaker 2: spend some time, make an hour and appointment with us.

750
00:34:41,160 --> 00:34:43,319
Speaker 2: Let's go over the problems that you have. And like

751
00:34:43,360 --> 00:34:46,040
Speaker 2: I said before, what keeps you up at night? Is

752
00:34:46,040 --> 00:34:48,719
Speaker 2: it a state planning? Is it you had? Do you

753
00:34:48,760 --> 00:34:50,640
Speaker 2: have it in order? Do you have a will or trust?

754
00:34:51,080 --> 00:34:53,880
Speaker 2: Is it correct? Do you have a beneficiary reform? Is

755
00:34:53,880 --> 00:34:56,759
Speaker 2: it correct? Is it updated? We talk about the risk

756
00:34:56,880 --> 00:34:59,440
Speaker 2: of you know, maybe sometimes I think people get the

757
00:34:59,480 --> 00:35:01,879
Speaker 2: wrong advice, Chris, and I understand that, you know, they

758
00:35:01,920 --> 00:35:03,640
Speaker 2: go to one advisor and they get another one. But

759
00:35:04,000 --> 00:35:08,120
Speaker 2: you know, many people work with separate professionals, maybe a CPA,

760
00:35:08,239 --> 00:35:11,560
Speaker 2: a financial advisor, and then a state planning attorney, and

761
00:35:11,600 --> 00:35:14,960
Speaker 2: if they're not communicating, which I mentioned before, critical details

762
00:35:15,000 --> 00:35:17,719
Speaker 2: get missed. And Chris, we've talked about this where we

763
00:35:17,800 --> 00:35:21,160
Speaker 2: have a tax client done the tax return and it

764
00:35:21,239 --> 00:35:23,960
Speaker 2: was done incorrectly, and then they go to a CPA,

765
00:35:24,040 --> 00:35:27,160
Speaker 2: and the CPA gives some different advice. Wow, how I mean?

766
00:35:27,360 --> 00:35:28,080
Speaker 2: It's confusing?

767
00:35:28,160 --> 00:35:30,520
Speaker 3: So you're talking about like fragmented advice, all right? Is

768
00:35:30,520 --> 00:35:32,640
Speaker 3: that we're talking about the risk of that. And many

769
00:35:32,640 --> 00:35:35,560
Speaker 3: people work with separate professionals. As you just mentioned, they're

770
00:35:35,560 --> 00:35:39,399
Speaker 3: not communicating together. For you, critical details get missed, leading

771
00:35:39,440 --> 00:35:45,040
Speaker 3: into tax inefficiencies, probate surprises, even lost opportunities, poor tax decisions,

772
00:35:45,440 --> 00:35:49,440
Speaker 3: outdated beneficiary designation. So what is a complete advisor? What

773
00:35:49,480 --> 00:35:50,000
Speaker 3: do they do?

774
00:35:50,480 --> 00:35:54,200
Speaker 2: They do complete planning. They do everything from tax planning,

775
00:35:54,200 --> 00:35:57,080
Speaker 2: from income planning, from an investment planning, from a state

776
00:35:57,120 --> 00:36:00,280
Speaker 2: planning to wills and trust. Even took kids for the

777
00:36:00,960 --> 00:36:01,880
Speaker 2: for college. That's right.

778
00:36:01,920 --> 00:36:05,880
Speaker 3: They build strategies that work together. That's not in isolation exactly.

779
00:36:05,920 --> 00:36:07,680
Speaker 3: And if you don't have a strategy, you're not going

780
00:36:07,760 --> 00:36:08,839
Speaker 3: to win. Here's another thing.

781
00:36:08,840 --> 00:36:10,520
Speaker 2: If you don't have a plan, or if you're going

782
00:36:10,600 --> 00:36:12,600
Speaker 2: to be traveling and you don't have a roadmap, where

783
00:36:12,600 --> 00:36:13,120
Speaker 2: are you going to go?

784
00:36:13,400 --> 00:36:15,560
Speaker 3: It doesn't make sense exactly. And it leads us to

785
00:36:15,640 --> 00:36:17,440
Speaker 3: an example that I'm talking about here. We had a

786
00:36:17,440 --> 00:36:19,680
Speaker 3: client that had a great investment plan when they first

787
00:36:19,680 --> 00:36:22,799
Speaker 3: met with us, but guess what. There was no estate strategy.

788
00:36:23,040 --> 00:36:25,439
Speaker 3: Their assets were tied up in probate for over a year.

789
00:36:25,760 --> 00:36:27,439
Speaker 3: And we went through this with the client and we said,

790
00:36:27,440 --> 00:36:28,799
Speaker 3: oh my gosh, I wish we would have got to

791
00:36:28,800 --> 00:36:31,200
Speaker 3: you sooner to help you avoid all this. So don't

792
00:36:31,520 --> 00:36:34,680
Speaker 3: settle for fragmented advice. Call us today a three to

793
00:36:34,760 --> 00:36:38,320
Speaker 3: three magi attacks meet with a complete advisor who sees

794
00:36:38,560 --> 00:36:39,480
Speaker 3: the whole picture.

795
00:36:40,000 --> 00:36:43,080
Speaker 2: I mean, it's simple to talk about, but it's a

796
00:36:43,080 --> 00:36:46,600
Speaker 2: confusing issue for everybody. And if you've ever felt like

797
00:36:46,600 --> 00:36:51,360
Speaker 2: your financial life is scattered across spreadsheets, statements and separate advisors,

798
00:36:51,360 --> 00:36:53,640
Speaker 2: and we have clients come in with statements they've never

799
00:36:53,680 --> 00:36:56,440
Speaker 2: opened over there, So think about this. You spent your

800
00:36:56,440 --> 00:37:00,520
Speaker 2: life working hard, saving wisely, and planning carefully, but without

801
00:37:00,560 --> 00:37:03,960
Speaker 2: someone who sees the full picture your taxes, your investments,

802
00:37:04,000 --> 00:37:06,959
Speaker 2: your income, and your legacy, your plan could be missing

803
00:37:07,040 --> 00:37:11,160
Speaker 2: the most important piece. A complete advisor doesn't just help

804
00:37:11,200 --> 00:37:14,080
Speaker 2: you grow your wealth, they help you protect it, preserve it,

805
00:37:14,600 --> 00:37:17,680
Speaker 2: and pass it on with purpose. You have to have

806
00:37:17,719 --> 00:37:20,760
Speaker 2: a purpose with what you're doing. This isn't about having

807
00:37:20,760 --> 00:37:23,759
Speaker 2: more meetings, it's about having the right one. If you've

808
00:37:23,760 --> 00:37:28,680
Speaker 2: ever felt like your financial life is scattered across spreadsheets, statements,

809
00:37:28,719 --> 00:37:32,080
Speaker 2: and separate advisors. It's time to bring it all together.

810
00:37:32,440 --> 00:37:35,440
Speaker 2: Call us today, sit down with a team that understands

811
00:37:35,520 --> 00:37:38,840
Speaker 2: every layer of your financial future. Because peace of mind

812
00:37:38,880 --> 00:37:41,680
Speaker 2: doesn't come from hoping it all works out. That is

813
00:37:41,719 --> 00:37:44,759
Speaker 2: not a plan. It comes from knowing it will. That's

814
00:37:44,800 --> 00:37:48,839
Speaker 2: the Maggie Plan, simple and easy to understand. Tax plan,

815
00:37:49,040 --> 00:37:52,719
Speaker 2: income planning, estate planning, all types of planning. And let's

816
00:37:52,760 --> 00:37:57,600
Speaker 2: complete your plan. And it starts with one powerful conversation

817
00:37:58,080 --> 00:37:59,680
Speaker 2: eight three to three Maggie Tax.

818
00:38:01,960 --> 00:38:04,759
Speaker 1: Thank you for listening to Maggie Tax and Financial Show

819
00:38:04,840 --> 00:38:08,600
Speaker 1: with Robert and Chris Maggie of Maggie Tax Wealth Advisors.

820
00:38:08,680 --> 00:38:12,000
Speaker 1: Listen here five to six pm every Saturday and from

821
00:38:12,000 --> 00:38:15,200
Speaker 1: eleven am till noon every Sunday, or anytime on the

822
00:38:15,239 --> 00:38:18,760
Speaker 1: free iHeartRadio app. And remember you can pay less tax

823
00:38:18,920 --> 00:38:22,759
Speaker 1: with Maggie Tax Program. Content provided by Maggie Tax Wealth

824
00:38:22,800 --> 00:38:26,160
Speaker 1: and Advisors. Call them at eight three three Maggie Tax

825
00:38:26,360 --> 00:38:31,400
Speaker 1: or visit them online at Maggietax dot com