1 00:00:00,680 --> 00:00:04,640 Speaker 1: Boston's Bulldozer never sleeps. The Kooner Report weekend edition on 2 00:00:04,720 --> 00:00:07,680 Speaker 1: the Voice of Boston WRKO. 3 00:00:07,520 --> 00:00:11,920 Speaker 2: Joining us now as she always does at this time. 4 00:00:12,400 --> 00:00:17,160 Speaker 2: She is the co founder, CEO, and president of Kelly 5 00:00:17,280 --> 00:00:23,120 Speaker 2: Financial Services, and yes, that is her wonderful name, Kelly, 6 00:00:23,480 --> 00:00:27,680 Speaker 2: Kelly Kelly, how are you. 7 00:00:28,160 --> 00:00:32,879 Speaker 3: Good morning, Jeff, I am good. Retirement income today is 8 00:00:33,040 --> 00:00:39,720 Speaker 3: layered traditional iras four oh one k's Wrath accounts, brokerage accounts, 9 00:00:39,920 --> 00:00:43,560 Speaker 3: and each one is taxed a little differently. What many 10 00:00:43,680 --> 00:00:48,240 Speaker 3: people don't realize is that even a single withdrawal can 11 00:00:48,440 --> 00:00:53,040 Speaker 3: influence your tax bracket. Your Medicare premiums are how other 12 00:00:53,200 --> 00:00:57,920 Speaker 3: income is treated, and when those moving parts are not coordinated, 13 00:00:58,280 --> 00:01:03,040 Speaker 3: that's when hesitation set. Not because people don't have resources, 14 00:01:03,120 --> 00:01:07,880 Speaker 3: but because they don't want unexpected tax surprises. Confidence in 15 00:01:08,000 --> 00:01:12,800 Speaker 3: retirement often comes from understanding how those income sources are 16 00:01:12,840 --> 00:01:17,479 Speaker 3: designed to work together under today's rules. Although we are 17 00:01:17,520 --> 00:01:21,000 Speaker 3: not tax advisors and we do recommend speaking with a 18 00:01:21,080 --> 00:01:26,319 Speaker 3: tax professional, a thoughtful distribution strategy can help you stay 19 00:01:26,360 --> 00:01:28,240 Speaker 3: more intentional about what. 20 00:01:28,240 --> 00:01:30,920 Speaker 4: You keep, not just what you withdraw. 21 00:01:31,480 --> 00:01:34,240 Speaker 3: If you'd like to take a closer look at how 22 00:01:34,280 --> 00:01:37,520 Speaker 3: your income is structured. Give us a call or send 23 00:01:37,600 --> 00:01:42,400 Speaker 3: us an email at Kelly at Kellyfinancial dot org. Jeff, 24 00:01:42,480 --> 00:01:46,759 Speaker 3: I'll continue this conversation tomorrow morning at nine am on 25 00:01:46,959 --> 00:01:50,920 Speaker 3: Safe Money Strategies Radio. Do tune in or visit our 26 00:01:50,960 --> 00:01:55,120 Speaker 3: website for the radio rewind Jeff, have a wonderful weekend. 27 00:01:55,240 --> 00:01:57,160 Speaker 3: My best of Grace and the kiddos. 28 00:01:57,600 --> 00:02:00,400 Speaker 2: Thank you, Kelly, all the best to you and everyone 29 00:02:00,480 --> 00:02:03,160 Speaker 2: at Kelly Financial. If you want to get in touch 30 00:02:03,200 --> 00:02:05,760 Speaker 2: with them, the number to call eight eight eight eight 31 00:02:05,920 --> 00:02:10,160 Speaker 2: hundred eighteen eighty one eight eighty eight eight hundred eighteen 32 00:02:10,240 --> 00:02:14,640 Speaker 2: eighty one, or you can actually email Kelly herself personally 33 00:02:15,320 --> 00:02:20,880 Speaker 2: Kelly at Kellyfinancial dot org. That's Kelly at Kelly Financial 34 00:02:21,520 --> 00:02:26,359 Speaker 2: dot org. Nine thirty three Now on the Great WRKO, 35 00:02:26,720 --> 00:02:31,000 Speaker 2: Jeff Cooner Boston's Bulldozer. Six one seven two six six 36 00:02:31,320 --> 00:02:34,560 Speaker 2: sixty eight sixty eight is the number. Uh. There are 37 00:02:34,560 --> 00:02:36,920 Speaker 2: a couple lines open if you want to jump on. 38 00:02:37,080 --> 00:02:39,560 Speaker 2: Now is the time to do it. Six one seven 39 00:02:39,639 --> 00:02:42,239 Speaker 2: two six six sixty eight sixty eight. 40 00:02:42,800 --> 00:02:43,080 Speaker 5: Uh. 41 00:02:43,120 --> 00:02:46,680 Speaker 2: This is from Dottie on Messenger, and I think she 42 00:02:46,800 --> 00:02:51,000 Speaker 2: makes a really good point about all these woke US 43 00:02:51,120 --> 00:02:57,400 Speaker 2: Olympians just trashing their own country, bad mouthing the United States, 44 00:02:57,800 --> 00:03:05,000 Speaker 2: and constantly injecting politics at the Olympics, and NonStop criticism, 45 00:03:05,040 --> 00:03:09,360 Speaker 2: whether it be of Trump or Ice or whatever, any 46 00:03:09,400 --> 00:03:12,840 Speaker 2: issue or policy that they don't like regarding what's happening 47 00:03:12,840 --> 00:03:16,640 Speaker 2: now in our nation. And Dottie makes this point, Jeff, 48 00:03:17,480 --> 00:03:23,520 Speaker 2: imagine being a salesman for a Ford dealer who tells 49 00:03:23,639 --> 00:03:31,440 Speaker 2: prospective customers how terrible Ford vehicles are, but how wonderful Chevys, Toyotas, etc. 50 00:03:31,919 --> 00:03:32,119 Speaker 5: Are. 51 00:03:32,720 --> 00:03:38,640 Speaker 2: Bingo, bingo. It's exactly. That's the perfect analogy. She nailed it. 52 00:03:40,200 --> 00:03:44,760 Speaker 2: You know, like you're representing your country, could you at least, 53 00:03:44,920 --> 00:03:47,840 Speaker 2: you know, try to do it, try to do it 54 00:03:47,880 --> 00:03:52,040 Speaker 2: with some dignity and some pride and some class six 55 00:03:52,040 --> 00:03:56,600 Speaker 2: to one. And by the way, you notice when Olympians 56 00:03:56,640 --> 00:04:00,880 Speaker 2: from other countries when they win the gold medal? Okay, 57 00:04:00,960 --> 00:04:04,120 Speaker 2: even in the mike, what is it ski mountaineering? Is 58 00:04:04,120 --> 00:04:07,400 Speaker 2: that the name of the sport again? Yeah? The new one? Okay, 59 00:04:07,680 --> 00:04:11,200 Speaker 2: it was one. The male's side was won by a 60 00:04:11,240 --> 00:04:14,720 Speaker 2: guy from Spain. Okay, so the Spanish won that one. 61 00:04:15,240 --> 00:04:17,600 Speaker 2: He's on the gold medal podium. I was watching this 62 00:04:17,680 --> 00:04:21,000 Speaker 2: last night. He's crying. I mean, I mean, God, bless him. 63 00:04:21,000 --> 00:04:22,960 Speaker 2: I'm not you know, I'm not mocking him or nothing. 64 00:04:23,040 --> 00:04:26,680 Speaker 2: Far from it. Tears of joy. He's got tears in 65 00:04:26,720 --> 00:04:30,520 Speaker 2: his eyes. He's singing the national anthem of Spain. He's 66 00:04:30,839 --> 00:04:34,800 Speaker 2: he's so proud to be representing Spain. You think this 67 00:04:34,839 --> 00:04:41,880 Speaker 2: guy goes on about oh the conquistadors, Oh our colonial history, 68 00:04:42,880 --> 00:04:46,360 Speaker 2: Oh what we did, all the oppression, Oh my. 69 00:04:46,279 --> 00:04:52,720 Speaker 4: God, Oh we should be so ashamed. They'd run him 70 00:04:52,720 --> 00:04:56,400 Speaker 4: out of Spain. They'd say, what is wrong with you, dude? 71 00:04:57,400 --> 00:05:01,880 Speaker 2: So what I'm saying is, you know other Olympians from 72 00:05:01,960 --> 00:05:06,000 Speaker 2: other countries, they're they're proud. I'm not saying there aren't Americans. 73 00:05:06,040 --> 00:05:08,640 Speaker 2: There are plenty of Americans. That's why I led with 74 00:05:08,680 --> 00:05:12,440 Speaker 2: the US women's hockey team. They were beaming, I mean, 75 00:05:12,520 --> 00:05:15,640 Speaker 2: smiling ear to ear and tearing up at the national 76 00:05:15,640 --> 00:05:18,520 Speaker 2: anthem and representing their country. It was it was a 77 00:05:18,560 --> 00:05:22,400 Speaker 2: beautiful thing to watch. But what I'm saying is, you've 78 00:05:22,440 --> 00:05:27,960 Speaker 2: got these woke US Olympic athletes, these leftists, and you're 79 00:05:28,040 --> 00:05:32,960 Speaker 2: just trashing and trashing and trashing and trashing, and you've 80 00:05:32,960 --> 00:05:37,359 Speaker 2: got everyone else they're crying tears of joy to represent 81 00:05:37,400 --> 00:05:40,000 Speaker 2: their country, especially if they win a medal, never mind 82 00:05:40,000 --> 00:05:43,960 Speaker 2: the gold medal. So it's like, you know, you're you're 83 00:05:44,000 --> 00:05:47,839 Speaker 2: working for a dealership, GM, Ford whatever, and you're saying 84 00:05:48,080 --> 00:05:55,240 Speaker 2: Ford Ford vehicle suck. Suck. Why aren't you going to 85 00:05:55,279 --> 00:05:58,919 Speaker 2: the Mazda dealership. You should go to Mazda. Well, Mazda's better, 86 00:05:58,960 --> 00:06:04,160 Speaker 2: They're better over there. It's the same thing with these athletes. 87 00:06:05,640 --> 00:06:10,840 Speaker 2: It's an embarrassment. It's an embarrassment six one seven two 88 00:06:10,920 --> 00:06:16,080 Speaker 2: six six sixty eight sixty eight. It's an embarrassment for 89 00:06:16,279 --> 00:06:22,839 Speaker 2: uzbekistand for I don't know Latvia. I'm not trying to 90 00:06:22,839 --> 00:06:25,160 Speaker 2: pick on the Latvians. What I'm saying is, you know, 91 00:06:25,360 --> 00:06:30,080 Speaker 2: small countries in the world, never mind for the greatest 92 00:06:30,160 --> 00:06:35,640 Speaker 2: country in the history of the world. It's a slap 93 00:06:35,640 --> 00:06:40,760 Speaker 2: in the face. Al and Bill Rica, thanks for holding 94 00:06:40,800 --> 00:06:42,160 Speaker 2: al and welcome. 95 00:06:43,640 --> 00:06:45,480 Speaker 5: Hey, how are you, Jeff, I'm good? 96 00:06:45,520 --> 00:06:46,159 Speaker 2: How are you out? 97 00:06:47,000 --> 00:06:48,720 Speaker 5: Excellent? Thank you. I've got a couple of points that 98 00:06:48,720 --> 00:06:51,600 Speaker 5: I want to make. I want to specifically address Aileen 99 00:06:51,680 --> 00:06:54,640 Speaker 5: Gou But before that, because you talk so much about 100 00:06:54,680 --> 00:06:57,080 Speaker 5: you on the Bob's led and competing and getting that 101 00:06:57,120 --> 00:06:59,760 Speaker 5: gold medal, this is what came to mind when you 102 00:06:59,760 --> 00:07:04,320 Speaker 5: said that. Jet. Remember remember the Wild World of Sports? Yes, 103 00:07:05,360 --> 00:07:08,719 Speaker 5: remember the beautiful opening scene with the music and the 104 00:07:08,839 --> 00:07:12,520 Speaker 5: skier crashes and they say the agony of defeat. Well, 105 00:07:12,560 --> 00:07:15,040 Speaker 5: I envisioned you on the box led coming off the 106 00:07:15,080 --> 00:07:18,040 Speaker 5: tracks and that music playing in the agony of defeat. 107 00:07:18,600 --> 00:07:20,120 Speaker 5: I'm sorry if I hurt your feelings. 108 00:07:20,200 --> 00:07:24,880 Speaker 2: Jeff, Wow, what about the luge? Do you think? I mean, 109 00:07:24,920 --> 00:07:27,360 Speaker 2: you think I could? Mike thinks I could compete for 110 00:07:27,400 --> 00:07:28,680 Speaker 2: the luge. What do you think? 111 00:07:28,880 --> 00:07:31,440 Speaker 5: Well, well, I don't know. The way you describe your 112 00:07:31,480 --> 00:07:34,160 Speaker 5: body type, you may be scraping on the ground. I 113 00:07:34,200 --> 00:07:38,080 Speaker 5: don't know, man. But but listen, if we want to 114 00:07:38,120 --> 00:07:42,520 Speaker 5: criticize any sport, let's criticize bochi on ice. You know, 115 00:07:42,600 --> 00:07:44,080 Speaker 5: come on, give me a give me. 116 00:07:44,040 --> 00:07:50,120 Speaker 2: A break, right, You're right, that's a very good way 117 00:07:50,120 --> 00:07:52,840 Speaker 2: to put it. It's Bochi on ice, that is very true. 118 00:07:54,200 --> 00:07:55,920 Speaker 2: I think I could do curling. What do you think? 119 00:07:59,600 --> 00:08:04,760 Speaker 5: Hey? I blocks definitely so, Jeff. I don't mean to 120 00:08:04,840 --> 00:08:09,520 Speaker 5: be mean to you. So here's my point. Here's my point, 121 00:08:09,560 --> 00:08:13,480 Speaker 5: and it's a very important point. Eileen Gou I could 122 00:08:13,520 --> 00:08:17,240 Speaker 5: care less about her. Yes, she's a disgrace one hundred percent, absolutely, 123 00:08:18,000 --> 00:08:21,080 Speaker 5: But let's forget about her, not pay her any attention, 124 00:08:21,160 --> 00:08:23,800 Speaker 5: because the individual that we should be paying attention to 125 00:08:23,920 --> 00:08:26,720 Speaker 5: is a Lissa lou She won the gold medal. That 126 00:08:26,840 --> 00:08:28,760 Speaker 5: was a huge story behind her and you've got to 127 00:08:28,760 --> 00:08:31,600 Speaker 5: look it up. So she won the gold medal in freestyle. 128 00:08:31,720 --> 00:08:36,520 Speaker 5: It's the beautiful kid, gracious. Her family came from China. 129 00:08:36,679 --> 00:08:40,440 Speaker 5: Her father went into exile in the late eighties because 130 00:08:40,480 --> 00:08:44,480 Speaker 5: he supported the democracy movement there. And she's a U. 131 00:08:44,840 --> 00:08:46,920 Speaker 5: She won the goal for the US. Why don't we 132 00:08:46,960 --> 00:08:49,920 Speaker 5: focus on someone like her, tell her story and let's 133 00:08:50,000 --> 00:08:52,880 Speaker 5: forget about Aileen gu with the millions of dollars who 134 00:08:52,920 --> 00:08:54,720 Speaker 5: cares well. 135 00:08:54,760 --> 00:08:57,280 Speaker 2: And just to add, you're right, by the way I 136 00:08:57,320 --> 00:09:01,480 Speaker 2: think this Aliso U is an an incredible athlete, a 137 00:09:01,520 --> 00:09:07,000 Speaker 2: great American and a great skater. And my wife is 138 00:09:07,000 --> 00:09:09,040 Speaker 2: a big fan of skating in general. That's the one 139 00:09:09,040 --> 00:09:12,319 Speaker 2: thing she loves to watch in the Olympics. Grace loves skating, 140 00:09:12,520 --> 00:09:17,800 Speaker 2: just anything, ice dancing, skating, men's women's pears, you know, couples. 141 00:09:18,160 --> 00:09:21,200 Speaker 2: She that's that's her thing. That's what she watches. I'm 142 00:09:21,240 --> 00:09:24,480 Speaker 2: frankly more of a hockey guy, and I notice sounds crazy, 143 00:09:24,480 --> 00:09:28,720 Speaker 2: how but I have this hypnotic fascination with curling. I 144 00:09:28,720 --> 00:09:31,920 Speaker 2: don't know why I just ash and not just watch it. 145 00:09:32,920 --> 00:09:35,000 Speaker 2: I don't know, it's just I don't know what it is. 146 00:09:35,040 --> 00:09:38,080 Speaker 2: But anyway, but you know, we're the hockey. You know 147 00:09:38,120 --> 00:09:40,480 Speaker 2: we're hockey. Ash and I are into the hockey. But 148 00:09:40,520 --> 00:09:44,800 Speaker 2: long story short, she went to Beijing, and when they 149 00:09:44,800 --> 00:09:49,760 Speaker 2: were in Beijing four years ago, the Communists were actually 150 00:09:49,920 --> 00:09:55,240 Speaker 2: spying on her and on her father. So the Chinese 151 00:09:55,240 --> 00:09:58,640 Speaker 2: Communist Party was literally spying on him and trying to 152 00:09:58,679 --> 00:10:02,560 Speaker 2: intimidate her and threaten her when they were in China. 153 00:10:03,800 --> 00:10:07,920 Speaker 2: So you're right. She comes from a Chinese family. Their dissidence. 154 00:10:08,200 --> 00:10:11,480 Speaker 2: Her father was part of Tianum and Square. And look 155 00:10:11,520 --> 00:10:14,880 Speaker 2: at this, it's an American dream. It's an American dream. 156 00:10:15,640 --> 00:10:19,599 Speaker 2: They went from being oppressed, literally oppressed. Her father was 157 00:10:19,640 --> 00:10:23,199 Speaker 2: almost murdered by the regime. They were spied on by 158 00:10:23,240 --> 00:10:27,680 Speaker 2: the regime. And this woman turns in one performance for 159 00:10:27,720 --> 00:10:31,439 Speaker 2: the ages and wins the gold medal. Honestly, I hope 160 00:10:31,440 --> 00:10:34,120 Speaker 2: for her nothing but the best. I hope she gets 161 00:10:34,160 --> 00:10:36,960 Speaker 2: a ton of endorsements and I'd love to see her 162 00:10:36,960 --> 00:10:41,680 Speaker 2: face on a Wheatie's box because to me, to me, 163 00:10:41,960 --> 00:10:45,560 Speaker 2: that's the story of America. And I'm so happy you 164 00:10:45,600 --> 00:10:49,440 Speaker 2: brought it up. I'll thank you very much. So And 165 00:10:49,480 --> 00:10:56,520 Speaker 2: if you haven't seen her performance, Alisa U Liu, it was. Honestly, 166 00:10:57,040 --> 00:10:59,920 Speaker 2: I'm not a skating guy, but I'm telling you she 167 00:11:00,280 --> 00:11:03,480 Speaker 2: hit it out of the park. It was graceful, it 168 00:11:03,600 --> 00:11:08,800 Speaker 2: was beautiful, it was athletic, it was it was world 169 00:11:08,840 --> 00:11:12,600 Speaker 2: class and it was flawless. It was it was perfection 170 00:11:12,760 --> 00:11:16,000 Speaker 2: on ice, as close to perfection on ice as you 171 00:11:16,040 --> 00:11:19,840 Speaker 2: can get. And proud to be an American. 172 00:11:20,679 --> 00:11:23,640 Speaker 1: Jeff doesn't get a day off. This request came from 173 00:11:23,679 --> 00:11:26,680 Speaker 1: his wife. The Kuner Report weekend edition on the Boys 174 00:11:26,679 --> 00:11:28,199 Speaker 1: of Boston w RKO