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Bill Kelly Financial 3/11/17

Mar 12, 2017|

Bill Kelly has presented his Senior Safe money strategies workshop to more than 12,000 seniors in the last 10 years.

Transcript - Not for consumer use. Robot overlords only. Will not be accurate.

What's most important to you about your retirement years trying senior safe money strategies with bill Kelly called killer triple A 81881. Or locally at 78184939. Feet. Stay informed. Are you getting paid and you're behind me. Bundle to any investing relationship. One he has the ability of your professional and another is availability. There's attitude and action and accountability. And bill Kelly you're safe money strategies. Called the 8818. He wanted to speak to bill. What matters to build Kelly these hero. And we think you're giving them straight days. Senior safe money strategies. For calling 81881. Called today. Yes spotlight to a certain action conference thank you very much. And so and so. Tripoli 81881. Call today. We would like to come to cap it at Scutaro that. And lunch there and that would be 10 thank you I'm back. Tripling 81881. Call today. I was just listening to your radio show and I. I would like to attend the Tuscan kitchen. Presentation. So if you could make a reservation for me in let me you know I would appreciate that thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you. Tripoli 81981. Call today. Morton for the book blind. The retirement strategies today thank you. Tripoli 81881. Call two days. Did let into the radio show over and over this little duck anyway out card because I am interested in learning. You know maybe having you guys you complementary review and I'm also interest than but the material that movements and thank you and have a great that we get by. Tripoli 81881. Call today. And laconic country every day and I'm sorry you can't let this spot on there and I love it. So on Saturday morning I heard about the event in the twelve I would love it and I would love to want to take edit secret. And Jimmy I want to thank you Bob. And information you sent me and I love Billy Burke on that they can't and I'm glad I. Tripoli 81881. Call today. I barely. And piety wealth preservation risk management seminars that Babson. I would like to attend a brunch. And Turkey could email me more information about it to the both of us. Would like to attend the branch banking. Tripoli 81881. Call today. Yeah funny strategy. Wealth transfer thing you're safe money strategies. Living trust seniors earning money strapped. Medicaid crisis planning your name on track. Portfolio income projections. And your money strapped. Call bill Kelly exceeding 31881. And or locally at 7818493090. Okay. Yeah. Okay. Telling them. Yeah. It's. Really good car. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly called killer triple A 81881. Port locally at 78184939. Feet. Stay informed. This is Zander Kraft chief investment officer Kelly financial services with market wrap up to. The Dow finished down 98 points for the week the S&P 500 finished down ten points for the week the thirty year treasury finish at three point 16%. 3 thing you need to know in today's market the US added 235000. Jobs 45000 more than anticipated February. Dropping unemployment rate to four point 7% there's a massive oil discovery in Alaska. The largest of its kind on short the last thirty years yes repeat this week broke its six week win streak. Meet me at any given twelve upcoming events in Newton Burlington natural Salem at the Tuscan kitchen crown plaza or did America call 888800. CTA wants her complimentary seating. Senior safe money strategies Tripoli 81881. Called today. Yeah. Any any any 800 when he hit one we're having events at the Tuscan kitchen grabbing events and the Babson college and we're having events and several different venues in the coming three months we're absolutely packed right now for that reason we're open on Saturdays in my opening opening late we have a new office in Newton it's packed we will make room for you will make room for everyone NE 88800. When he didn't want we just opened the office it's packed. Schedules packed we're adding more and more staff to Newton but we have to train people we have to do growing and we will fit you win 888800. When he hit one get another look at what you're doing before you make a mistake or before you do something that's irreversible. Sit down with our standup yourself kit knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. When he hit one we're going to have. Crunches and we're going to have dinners at the new merit not known to support the Newton office which is off the charts institute's roots iso 88880181. You know that get a copy of senior safe money strategies and get a copy of the workbook 88880181. Take the national senior retirement test which I developed any any any 800 when he didn't want to find out where you stand. When you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up any pain 8800. When he hit one find out what the expense expenses are inside a few portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need anything he. 800 point and it went and find out if you still want to continue to give away at that point 511. And a half two and a half four and a half percent every month or you want to put that in your pocket. We're not given out at all. Any any any 800 wanted to he wants it within us there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you and we'll show you that -- of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market chemically showing the expense ratios and what you have find out where you're actually standing on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are -- always or sit with us at Babson college and they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American. Entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important we won't commute there and we welcome to a new office in new don't be shy Akamai and meet us shake hands kind of what we can do for you paid paid 18100 when he did one season. Keep your family fortune in the family she what you have you lose what you want. And pass along what's left are the trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard your assets acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from creditors and interloper is new legislation is here now. Do not delay take decisive action teach your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment or consulting session and have all of your questions answered that's 88881881. Keep what you had to use what you want. And pass along what's left. That's good. Thank you. Oh. I had. We. She looked down. And into bonds via. It okay. Ladies and gentlemen this is some support count an elder law attorney who specialists and trust immunity in this state planning thank you for joining us today attorney Patel thank you for asking and knowing helping a lot of clients and Kelly peninsula known as displayed everything about you personally appreciate you doing Minnesotan Paul what are you finding what you're seeing in these are meetings in general but you can tell us that seem to be very important to these folks and visit us secure financial services. Well I have to say that out of your client can be more important. About the tapes and documents and state planning options that are available they can get done their homework and they are well educated but there's still a lot of misinformation out there and it's important for her for clients can now there's not a one size fits all come to its feet plant a lot of people think being this. The big tanker truck and the only way to protect my aspect maps. Not necessarily the case. So we look at the Medici trucks. In the different pay a premium vehicles. To help get part of the way there at the client he now that's not the only way to help protect thereafter and the things they've worked very hard for her than a lot of other planning tools that we as a state planning attorney can help clients let that can give them axiomatic protection and peace of mind. That nomadic he trusts can't. Meeting with them quite a few of the conference and noticed that seem to be very happy what's transpiring with you for the most part we have people worried about passing world to their families during an intense. Many can spend around he's become incapacitated. And then again maybe getting some benefits while they're living off prior to going to heaven because most of her parents got him with the deal. There's an era remarkable trust people seem to fear is their cost for you or. Or mark from marker or you're saying well I think it's time for a different couple permanent trust our music to McCain's which I'm sure there must be this time. It's it's certainly came placate one thing that nineteenth now and I'm very standard client and they think that walks through that door is needy couple nearing retirement each. They have hired the media mogul Mort. And needy a lot of their investments are tied up and qualify quite content like half I mean I'm apathetic tax expert so far one stage I Ares. Further after that can never be placed in Q are any type of track because I Arafat says both have to be owned by an individual. So that someone has a house the mortgage that's another African cannot put into a Medici trustees gave to your revoke or truck. Because your name comes up that he and that they found locked in collier markets do that happen. So with that type of standard client that convent and edit he tried not appropriate. However what we can Taliban and no meaty it especially varied near retirement he's just really not that still actively managing their ascent. And to do those eerie multiple trust you can't be your own truck eat. You are giving up a lot of break to accept me and make them funny but he African cited them. And while they definitely have a police and state planning. It's something that can be suddenly Enron there is a five year look back period. But a good financial color returned me to give your your children the ability to Q messy commute for you in the future. In their other way to do it the other thing in the end. When it comes to the U regal look over at the regal or truck there's no magic eats. A linkage to make that transpired I have ninety year old client were not want to give up control of their assets. And I have spoken their sixties who are so it really is based on the situation healthy this where you're at in your life. How you feel. You know what the risk protection Bert finished the ability to control the abstract. Let the kind of poorly for people per gallon pot with me. And personal training at a very comfortable processed because they know what he's planning is not I'm talked about not on the Klan. Like try to. At the very beginning and factual my client goals in their philosophy is that the first question Tucker I hear what cheerful they blocked the key. You know we tried to work on a plan works fast and then become useful. Who was so loose with the McAllen. Incredible estate planning attorney know the law specialist who helped our crime particularly financially and both Burlington in Braintree. And in return and you licensed in both New Hampshire and Massachusetts that is correct and it's a special quality even he'd be fine and helped us along because we have clients from both those states but also some couples are actually some people have property. In those states who really announcement that the events especially people find that if you're extremely magnetic speaker anywhere from the hearts of people seemed like kind of voted you listen. Well thank you very ideal I really enjoy what they do and I loved sitting down client. And like the fact that my job as a one on one relationship with my clients and what I offer for my client is. They don't charge you for follow up. Email and phone calls and things like that that Chillicothe I clicked. He knows some amazing document together for a cure rate you can get to know every kind of kept contact. My office. No we haven't done much for you so and for Kelly financial's clients as well I have been revealing their existing documents. No charge. And make sure they're doing what they would think should be feeling and it's really good just to go through them because after seven or ten years beneficiaries might have changed. There's a lot of watching it and and then not to overlook powers of attorney just as important to him estate plan making church on major health care decisions and a place petitions and insufficient and leaking check your spelling out who gets flattened much he can what you want and not so incidentally significantly within the document. Well we appreciate it 88800. When he when we have a wound trust booklet that we provided Tony 161000 numbers as a lot of characters don't trust and I know this you have a lot of information for the folks who can also contact you through PPP. Is 101 you want appreciate you being on this morning and your resume or your own son he's three now while times. Chain arena here while I'm quiet. Cartoonist whose name is sure it me or Ireland Rugova who the Harlem immune to you know to secure the next week thank you very much and I love I would definitely you can a couple of you know. Can you pick up let's put there to support you know and I don't do won't return you specialists in terms. Mentioned in this state planning indeed he is under one you want. Attorney I don't listen putt Carol instrument fantastic human being great credibly you know skilled estate planning attorney call eight and he. 801 if you wanted to ask for the will and trust workbook ask for 2016 by the numbers pass for an sit down. With a listen in Braintree or Burlington the EP. 800 wanted to you want and we'll be right. Good. Thank you lose. Me. Yeah. She loved. And the bonding math did okay. Senior safe money strategies Tripoli 800 in 1981. Call today. Yes spotlight to a certain action conference thank you very much. And so and so. Tripoli 81881. Call today. We would like to come to cap it at scan drought that luncheon there that would be wonderful thank you. About. Tripoli 81881. Call two days. I was just listening to your radio show and I. I would like to attend the Tuscan kitchen. Presentation. So that he could make solicitations for me and let you know I would appreciate it thank you look and it and I was like to make a reservation twenty. Tuscan kitchen thank you up. Tripoli 81981. Call two days. I was. And piety wealth preservation risk management seminars to Babson. I would like to attend a brunch. Then touch you can email me more information about it to the both of us. Would like to attend the branch thank you. Tripoli 81881. Call today. Don't go and keep what you have. You just what you want to and pass along what's left. Are you aggressively working to keep would you happen pass along something to those near and dear to you. What type of look back isn't sort of replaced their recent five year look back and replace the original three you're looking back. Are you worried about the new tax loss well above potential means testing for Social Security Medicare and Medicaid. Call 188881881. Now and speak to build Kelly yeah. Get bills courtroom schedule review will make an appointment for have a consulting sessions to answer all of your questions today and that's 888800. 1881. And. Oh. There. The. I think the United States is the greatest place in the world to invest. We have some changes are doing it through bad apples. There's reed. For those who view on protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any any any 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication. In and you learn what has happened since the boomers first started their journey on earth and the unique place you might be today if you're over fifty and trying to figure out what path to take on your retirement turning everybody has been on a path it's called life where you stand is probably in a place called sacrifice and going without you know and to invest and save for retirement at the same time helping others that's where you've been an issue of travel through life just like you've reached a point which is called now this moment yesterday is history tomorrow is a mystery but look tomorrow can be a projected calculated and actually. Maybe I'm more of a certainty if you have the proper information and you have the proper tools so any any any any country morning to you once it -- -- I tell you it's important for you to know cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to make of this is significant portion of the human of your retirement cash flow so maybe 8800 when he hit one we're having events at the Tuscan kitchen we're having events at the Babson college and we're having events and several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays remarkable thing opening lanes we have a new office in Newton it's packed we will make room for you will make room for everyone any any any 800. When it went we just opened the office it's packed. Schedules packed we're adding some more and more staff to Newton but we have to train people we have to do growing and we will freak you win 888800. When he hit one can't another look at what you're doing before you make a mistake or before you do something that's here reversible sit down went on standup yourself can't knowledge visit with us at the Tuscan kitchen and Burlington or perhaps in college near Newton 888800. When he hit when we're going you have crunches and we're going to have dinners at the new married gotten around to support them you -- office which is off the charts institute's roots iso 888800. When he didn't want to do on that get a copy of the senior safe money strategies and get a copy of the workbook 888800. When he hit one take the national senior retirement test which I developed any heat 8800. When he wanted to find out where you stand when you finished the test you know we understand it's a very it's a test that won't cause you to think about what you're actually doing and how you might stack up any pain any 800 when he hit one find out what the expense expenses are. Inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need anything he. Any country wanted to warn and find out if you still want to continue to give away at that point 511. And half two and a half four and a half percent every month or you won't put that in your pocket or not given out at all. Eight and 8800. Wanted to he wants it win thus there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you and we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market and we're going to show -- the expense ratios and what you have find out what you're actually spending on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are -- always or sit with us at bats in college but they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there and we welcome to a new offices new don't be shy command leadership cans kind of what we can do for you paid paid 18100 when he did one season. He broke. And strolled to. Contestants flags hello ambassador went on your bill you do elect. Well it's the usual Saint Patrick's Day is upon us and Switzerland and the great one. I think so you know I think it got all the issues I handout that the operate I felt that you and you write it is just a misunderstanding. News that. You know be a great dad beat great parade as it usually is you don't have that I don't but the whole thing. Is he has such a history and tradition here of the Irish immigrants and went. Go to church in the morning and then we always correlate to let the cathedral will. We go way back over the it to the cathedral of the holy cross from the so Dan you know we had so many of the immigrant direction. When they first kingdom and Ireland Mike Stanley and and that's where they went to church counseling Patrick's day was built by the Nickels and dimes and the irishman when they first came from Ireland and that's where they felt most comfortable so that's your history and tradition with us on Saint Patrick's Day it's about parades and this other stuff that's really good faith religion and family. That's what we look at the most about it. Well millions left and millions died know very few people realize that. What happened to Ireland I guess when you very. Yeah it's incredible matter of fact there's tonight bill. How we were over to the Massachusetts historical society. Those competence 1791. I had done India and narration. With but the history of the Irish immigrants. In Boston story CNN. Migration an opportunity. It was really sensational. It sold out crowd over the their professor ala who's so we're not peace in university. They had incredible group of people lot of professes a lot of academics. Presidents on the presence of serious colleges and universities. In the book and hearing and we had a chance to talk to me them after the formal presentation and they were talking about it. Give background and experience to know some of the most successful academics and business people who don't in the entire Normandy area. Would they have to and was just incredible to hear this story. All Soria of a lot like you just built you know studying from the bottom. Working and I don't egging us. The only commitment to business honesty integrity and they became presidents of universities. And college processes and doctors sin. You know you're the mall last night we met them all last night at the masters historical society endless. Was quite yet quite an evening it is to be in the presence of so many. So many people have a very very interesting story. To tell before they became famous. I'm looking back at these. Patrice back consensus on my Hillary over the years and I. Now some of them would save you from Ireland some insanity Irish free state I don't I'm not aware of the difference do. That ring a bell with you. Well I think it's a terminology that they use the you know he had the he had the northern island Essex counties in NORTHERN IRELAND there were always an entity and they jurisdiction. Great Britain. And that of course was the battle of the independence. In the republic. Violence have he held my grant maidan mighty bright smile these talk about growing up an island in when they don't. And attending school. They had to work edit blessed virgin Mary statue in the in the classrooms. They put it they had a portable. Two hole record so when the asked the authorities came to police authorities came. Into. Go away they had him work dictate could show the Buddha statue of the blessed virgin Mary. So it was yeah it was silent but it was really under the control and jurisdiction. Of the British government. That's pat of the United Kingdom that's what that. That's what this site result boats that are in the war and in need an independence. In 1960 inept. Challenging a we talk about that last night bill that they did struggle. For freedom and religious liberty hidden. In economic cold open human rights you know that came to bottle that was. Prevalent at Boston with a no nothing new era you know there wasn't one single member of the Catholic state. That served as mayor of Boston. Governor. House of where these senators or a senator from it on time they called that the normal nothing you Iraq. And that's way and became student that. And that's way kinda like deeply involved with the yet the effort to repeal that law. In Massachusetts would still lives. Yes which discriminates against Catholics in education you can't provide any kind of how do you were terrific quickly. The presidency you know these skeptics glows a lot of them the students. Arab a couple of black kids sure that you know you can't give directly given to tuned to these schools that's why so many of them. Pack closing and that's the struggle was an island and talk. In one of the Irish people came to this country like your family might and we they face struggles and challenges and persecution and once again so. The fight never stops till we get to be on that chose every gigabyte of what we believe that. Well you know it's it the potato was a blessing but unfortunately. It didn't help Great Britain to move. Go to the four corners of the globe there to fill up matches with Toledo's it would last for months and there is loaded with vitamins C and carbohydrates. So they needed more and more from the Irish and they force their hand. Until basically all of the. You'd just say when I used to go to lamentable but the exciting for united Ireland tea and I use of the over the years. People would say you know why he's spending so much time and and fighting for. United island announcing that iTunes on. It because what happens with the Irish it wasn't the it wasn't examined helpless assassination. It was they that was cool. But what they did it's they'd talked it will count and they took the food production looks exactly like you said. And they brought it to let the pats for the world to. Two to expand air. You know they are of two million homes across the world it would. But the food that came from Ireland particularly this staple food of the potato so you know it is. It is they're not strong anti. Catholic he anti Irish sentiment and I suspect that there will be. This kind of persecution bigotry. As long as we're looking for for other faiths and perform other. Ethnicities and and in races as well that's why. You know I admire people. That have the courage to get appeared speak out stand up he here's some of these heroes on radio and TV. He knows speaking out definitely talk shows that I. I like listening to them I really do you know I'd like he'll take and they bring justice of the two years says people need to hear. And that's slightly. We have to get involved we really do that I I think very sincere and we truck the region. Column often in in The Herald it's always great news learned that I'd specially learn and spending time with you and. Happy Saint Patrick's Day god bless them and should. Just over five keywords bundle for your retirement years the first is time the second is trust. Texas is a keyword technology has impact terrorism as the worst tee ward of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies call 88881881. Saint street to build what matters to bill Kelly he's cute. That's terrific. Hello on my name is Daniel Christensen and risk management Susie Kelly financial services want spent some time today talk about the importance of long term care plan. I understand that this is something that's extremely pleasant to talk about. Is anyone that you are talking about a scenario which it may not be able to live discreetly as they are today. But the biggest mistake you can make is not planning for long term care. It's affecting work we're seniors every day 70% of people let turned sixty but this year some sort of long term care lifetime. The average sentence care varies. On average stands around three point seven years for women 2.2 years from Matt. I understand that some people were thinking selves I feel great my doctor says that no major health concerns. But the biggest risk for seniors this disease sickness. It's falling according to a recent study this year. Three elderly Americans will fall currently sells it leading cause fetal non fatal injuries for American seniors. Polls are sudden unexpected accident they can change course your life team rail your current retirement thing completely. The times slipped on the ice or slow on the kitchen can lead to a stream medical bills totaling thousands. Last year the average lease costs for an assisted living facility in Massachusetts was around 4000 dollars per month this current retirement plan have the flexibility strikes. Sport expenses that. Kelly finance were here to work seems to your goals and objectives that we can create holes retirement plan helps protect your assets while providing steady. In excess income stream at the same time there are many different strategies that we can use picture that we deliver long term care protects our clients and affordable rate. Garrido be significantly cheaper and a pocket for care. We encourage everyone coming towards our three offices. Braintree. Burlington. In the lovely new office in Riverside San. Quartet partners branches in the Greater Boston and New Hampshire area so you can sit with us talk about long term care plan. If Portugal lights it up for retirement plan now. Enjoy your retirement pass on you have left says he loves. Detailed financial call EDD. 81881. Locally at 7818493090. Schedules it out of retirement specialists. Don't wait proactive and plan for the future after the 7% of people that turn 65 this year we have some sort of long term care and lifetime. Give yourself the financial stability to be in the best care possible. Long term care insurance covers care within your own. And protect the assets worked your whole life for. And passed along to those you. Can tell it financial call 88818. Needing one. Call us locally 7818493008. Senior safe money strategies Tripoli 81881. Call today. Yes all the lights were turned their backs in conference thank you very much of so and so. Tripoli 81881. Call two days. We would like to come to cap it at Ascot drown that luncheon there that would be wonderful thank you I'm back. Tripoli 81881. Call today. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. So if you could make solicitation for me in let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen. Thank you up. Tripoli 81881. Call today. I really. And piety wealth preservation risk management seminars that apps and I would like to attend a brunch. And touch you can email me more information about it to the both of us. Would like to attend a brunch thank you. Tripoli 800 in 1981. Call two days. Seniors seem funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning senior saint under stress. Portfolio income projections seniors money strapped. Call bill killing an 88881981. Or locally at 7818. Or 93090. So its financial survival and what threatens that for you and in retirement its cash flow and you have a government that sort of works against you win some points that they wanted to put in some heavy heavy regulation involving what I do for a living and that was to control. Artists people like me more thoroughly Lauren that and I'm not that I'm not I wasn't objecting to that was called the DO -- -- department of flavor that's what it means they wanted more rules they wanted more they wanted it to be more strict vision they did not want salespeople. Controlling the industry they wanted ethical people now that's one of the things I wasn't really happy about with Donald Trump. No actually see the Wall Street running to win no peace over 25 that's astronomical went back to 1990 knowing inflation's back. And interest rate right brits are coming which is going to cause foreclosures and margin calls in my humble opinion eventually I think we're good for about a three quarter of percent. Interest rates on it before things start start to get really tied. Now what's three quarters of a percent of 21 trillion I don't even when it counted out. It's billions and billions of dollars that we're gonna have to pay on our national debt more so the interest on the debt might be our one of our. Largest expenses as a nation so your financial survival is important. Really have some events involving financial survival coming up. Over the next three months and make sure you. Make it to one of these some financial survival seminars and find out it's 888800. Pointed anymore and sit down with -- -- and a dinner or any brunch and enjoy it and see if you can get some tips on financial survival I think the little things have to go right before the big things going right the government's the opposite we rolled out of health care plan nationwide without having read it without having made it trial run the trial run in Massachusetts was working by the way in my opinion I did not have a problem with that I thought it was great and so they decided to -- that -- money RO premiums on -- doctors are scarce and everything you're told you about it didn't happen but they have an unlimited supply of your money it's called opium -- pimps -- drug OPM stands for other people's money you're at the other people so they told you when they started the following -- system which came out of that teaches -- system trying to. Create that for all Americans all people here who worked in me displaying instead why not put money where you know tax deferred and when you're seventy ticket out at a much lower tax rate let's face it's going to be quite a bit lower and what's not as substantial tax increases under President Obama but they needed more opium needed more of other people's money put other people aren't other people they're you they're me. Where other people they can print the money. They're gonna take as much as they can from us or you're printed. If they printed who has to pay it back after they spend can spot people who work so it's a confusing system isn't the answer retiree you're financial survival depends on the basic aren't the first part of your financial survival is your balance sheet your state balance sheet than your investments than your investment statement so indeed need 800 wanted to he wants it with us at the Burlington -- not. At the Newton or not. At the cafe has control of the Tuscan kitchen over the next three months and find out about this have dinner. Moreover brunch with us financial survival it's important for investors it's important isn't it yes of course it is so think about that you have to defend yourself in order to survive just picture yourself on survivor island that this flaming torches there's alligators and snakes that would be your politicians from sergeants and at the time and this a lot of things that can nitpick you little spiders I don't know who they were pretty we will call people out the financial survival subordinates and it's a let's focus on that for the rest of the year we need an 800 wanted to once it with. Me sit with one of our analysts there's a new office in Newton is off the charts as the consent and for talking slang that's off the charts folks 888800. Wanted to anyone don't miss it got a lot of great things happening in the very near future so it starts with you. The state balance sheet it starts with your income for life planned it starts with your cash flow and such of their investments in stocks with your investment statement so 888801. If you want to copy of the workbook senior safe money strategies and all of this information inside if it's and it's free and we just had forced thousands of printed I think recently and they were about to pronounce and guess what you get to pounce of now retrieved complimentary my vice president Greg Laurie says don't want the word free mr. Kelly you know I know it's complementary but it's also free so let's enjoy it an 888800. Wanted to when we'll be right back. Senior safe money strategies Tripoli 81881. Call today. I'm wealth management associates Kelly and it serves as my name is Logan Strauss a primary cancer many of our clients' Social Security retirement benefits there have been some recent changes in Social Security very. Well where these changes in order to maximize them. Biggest concern client happens towards the taxation of the benefits depending on. The current income levels up to 85% of Social Security benefits can be subject to taxes currently individual filers making over 4000. Into college with. We've worked out will be subject to maximum tax benefits the windfall elimination provision. In the government pension offset two most recent changes the windfall elimination provision reduces your personal benefit. We never eliminate your entire depending on the number you you paid into Social Security. And it had substantial earnings over the years he may be able to get around this petition the government pension offset is an opposite on the spouse about. Social Security reduces your spouse's benefit by two thirds of your pension payout is two thirds of your pension payout is greater than Social Security spousal benefit. You will not receive any benefit themselves here. Determining when to elect to receive your benefits it's also very important thing to consider currently full retirement age of 66 or 67 to. Really should start collecting at 62 what you benefit will be reduced likewise the long. Wait let the high. I added that it will be this is called deferred retirement credits that being said every individual should apply for Medicare before the 65 birthday this does not mean. You have to start collecting pets here Kelly financial services we can help judgment making the right decision that would start receiving your benefits and how to best maximize success that. To schedule an appointment to sit down with. And discuss with one of our thoughts please call 188880181. Or pull locally at 78184930. Sites. Senior safe money strategies Tripoli 81881. Call today. This is still account for those of you wanna protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments then you cash flow give us a caller Kelly financial. Any any any 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication. In it you learn what has happened and since the boomers first started their journey on earth and the unique place you might be today if you're over fifty and trying to figure out what path to take. I'm your retirement turning everybody has been on a path. It's called life. Where you've -- is probably in a place called sacrifice and going without you know and to invest and save for retirement at the same time helping others that's where you've been an -- -- travel through life just like you've reached a point which is -- now this moment yesterday is history tomorrow is a ministry don't look tomorrow can be a projected calculated and actually maybe I -- more of a certainty if you have the proper information and you have the proper tools so any any any any country when he wants it -- -- -- you it's important for you to know cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to make opposite significant portion of the human Europe and retirement cash -- so any any -- 800 when he hit one we're having events at the Tuscan -- we're having events and the Babson college and we're having events -- several different venues in the coming three months we're absolutely -- right now for that reason we're open on Saturdays and opening opening -- we have a new office in -- it's -- we will make room for you -- make room for everyone any any -- 800 when he didn't -- we just opened the office it's -- Schedules packed we're adding more and more staff to Newton we have to train people we have to do growing and we will fit you in any any any 800. When he hit one get another look at what you're doing before you make a mistake or before you do something that's irreversible. Sit down with our standup yourself can't knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. When he hit one we're going to have. Crunches and we're going to have dinners at the new married gotten out to support the Newton office which is off the charts has two kids once I sold 88880181. You know that get a copy of senior safe money strategies and get a copy of the workbook 88880181. Take the national senior retirement test which I developed any any any 800 when he didn't want to find out where you stand when you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up 888800. When he hit one find out what the expense expenses are inside a few portfolio and your investments before when Kennedy your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country when it went and find out if you still want to continue to give a warning that point five. 11 and a half two and a half four and a half percent every month or you want to put that in your pocket or not given out at all. Eight and 8800. Wanted to leave once it was thus there's no fee for a consultation initially you'll never be billed for sitting with us and for your initial consultation. We're going to create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna -- investment report for you and we'll show -- that -- of your investments and sounds like a -- term but it's really the strength of your management we're ensuring that data of your entire portfolio. All mapped out which is how much volatility you have in comparison to the market -- showing the expense ratios -- what you have find -- you're actually spending on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan -- for dinner or -- those so those -- -- all lace -- with -- at Babson college and they've welcomed -- with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based -- successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We will commute there and we welcome to a new office in new don't be shy remind me just shake hands kind of what we can do for you paid any 1810181. Season. There are homes. Burgers and roll. Jesus. Per person oh. Gee is there. Someone here do you forever or someone you care. That golf that the big game. Brad if they do these days and that came up the mother back. Whatever flag they don't flag you dog and and get a instantly go it was me and being good to have together. Those who really related thing so big that gain that buying dollar we Bob. I never before. That god has chosen a bad. It's enough facilities of involvement that. And per person. She's the someone here do you forever. Someone you care. It gave you couldn't. Not only. What the word. But they've mopped the high. Isn't quite the way I hope that things. We is that those are probably. Better than yours but aid is the right walls and the disappointment. Work. The relation of all that promoted it in every visit and how it's bad. Would have let us never saw what to alcohol is the forward looking good in the model. The word. What we can debate the game. We're person. She's the someone here you are forever. Someone's hair. What if all else is there bad or love about the Indian continent. And led group missed it it is who are known but sending out I have seen. It is in our nation social portal for the plight of a lot of stupid. Those feet mankind. Peace happening in keeping the overall level. Doing well and gave us what we would all these two. We that he has far right of the hole in pretty good today about it. We can visit. All gone but that it bedding and a quick as anybody where. Someone here you are forever it's someone you care. You own a personal loan and Jesus. I'm sort of always. It is but they might imagine but phonetic. Who brought it has overall policy of that population. How what the word go to who these in a game or. But we. Do and so easily as I'm pleased that we can. You're or the way the way it is they'll be. While we're not that people they are it is without power which he's you'll. May god and there you update it but I do what you do and you can quit. Someone here you are forever it's someone you care. All. Personal loan. Jesus. This is the bill Kelley show there's nothing ever false about hope. Keep your family fortune in the family. Call 188881981. Now and speak to bill Kelly. Everybody has been on a path its goal line. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Schedules packed we're adding more and more staff to new and we have to train people we have to do growing and we will fit you in any any any 800. When he hit one get another look at what you're doing before you make a mistake where before you do something that's irreversible. Sit down with our standup yourself kit knowledge visit with us at the Tuscan kitchen and Burlington or perhaps in college near Newton 888800. When he hit one we're going to have crunches and we're going to have dinners at the new married not known to support the Newton office which is off the charts institute's roots I saw 888800. When he didn't want to know that get a copy of senior safe money strategies and get a copy of the workbook and 88800. When he didn't want to take the national senior retirement test which I developed any any any 800. When he won't find out where you stand. When you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up any any any 800 when he hit one find out what the expenses the expenses are inside a few portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country wanted to warn and find out if you still want to continue to give away at that point 511. And a half two and a half four and a half percent every month or you want to put that in your pocket. We're not given out at all any any any 800 wanted to he wants it win unless there's no fee for a consultation initially you'll never be billed for sitting with us and for your initial consultation. We're going to create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do investment report for you and we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market chemically showing the expense ratios in what you have find what you're actually spending on fees right now you have investments that are loaded any any any any country when he wants it with us in Burlington Braintree -- the newest office Newton visit with us at the Tuscan kitchen for dinner or -- those so those are packed all lace corset with us at bats in college and they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important we won't commute there and we welcome to a new office in new don't be shy command leadership cans kind of what we can do for you paid paid 1810181. Season. Keep your family fortune in the family keep what you have to use what you want and pass along what's left. Are there trillions of dollars in higher rating and individual retirement accounts are going to be too much for Uncle Sam do overlook. Have you done tactical planning do strategically to argue restaurants acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from pearl street in protected from creditors and interloper as new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment for consulting sessions and have all of your questions answered that's 88881881. Keep what you have. Use what you want and pass along what's left. OK then you signify to the people. Thank you for listening. And. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly called killer triple A 81881. Or locally at 78184939. Feet. Stay informed. Are you getting pays yeah you're fine and he's vital to any investing relationship. One he has the ability of your professional and another is availability. There's attitude action. And accountability and to listen to bill Kelly's senior safe money strategies and called the 88818. He wanted to speak to bill. What matters to build Kelly do you view and we think you're giving them straight days. Senior safe money strategies Tripoli 81881. Called today. Yes spotlight to a turn your backs in conference thanks very much. And so and so. Tripoli 81881. Call two days. We would like to come to cap it at. Can drown that luncheon there that would be wonderful thank you about. Tripoli 81881. Call today. I was just listening to your radio show and I. I would like to attend the Tuscan kitchen. Presentation. So that he could make a reservation for me in let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen. Thank you up. Tripoli 81881. Call two days. We'll put the book on. The retirement strategies today thank you. Tripoli 81881. Call two days. Yes Doug Douglas into the radio show over and over is back on anywhere out card because I am in church it and learning. You know maybe having you guys you complementary review and I am also of interest the then but the material developments in acute and have a great day of the week by. Tripoli 81881. Call two days. That's a chronic country every day and I'm sorry you can't let this spot on there and I love it. So on Saturday morning I heard of our event in the trial I would love and I would love to want to pick had a secret. Andy Kennedy and I want to thank you Bob. And it remains and you can't meet and I love Billy Burke I can't and god bless and I. Tripoli 81881. Call two days. I barely. And piety wealth preservation risk management seminars that absent. I would like to attend a brunch. And touch you can email me more information about it to the both of us. Would like to attend the brunch thank you. Tripoli 81881. Call today. Seniors seem funny extracting. Wealth transfer thing you're safe money strategies. Living trusts seniors sing funny strapped. Medicaid crisis planning senior saint on strapped. Portfolio income projections seniors money strapped. Call bill Kelli at 88800. In 1981. Or locally at 7818493090. Okay. I know that's. It's. Coming up. I. It's. Really good car. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly called killer triple A 81881. Or locally at 78184939. Feet. Stay informed. Senior safe money strategies Tripoli 81881. Call two days. Full. This is Bill Keller for those of you on protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any NET 801 and he wanted to ask for a free copy of the changing face of retirement investing it's an amazing publication. In and you learn what has happened since the boomers first started their journey on earth and the unique place you might be today. If you're over fifty and trying to figure out what path to take on your retirement turning everybody has been on a path it's called life. Where you've been is probably in a place called sacrifice and going without you know and to invest and save for retirement at the same time helping others that's where you've been an issue of travel through life just like you've reached a point which is called now this moment yesterday this history tomorrow's a ministry put look tomorrow can be a projected calculated and actually. Maybe I'm more of a certainty if you have the proper information and you have the proper tools so any any any any country when he wants it with us I tell you it's important for you and -- cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to make opposite significant portion of the human or your retirement cash flow so any any any 800 when he hit one we're having events at the Tuscan kitchen we're having events that have Babson college and we're having events and several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays remarkable thing opening lanes we have a new office in Newton it's packed we will make room for you we'll make room for everyone any any any 800 when he didn't want we just opened the office it's packed. Schedules packed we're adding a more and more staff to new and we have to train people we have to do growing and we will fit you win 888800. When he hit one hit another look at what you're doing before you make a mistake or before you do something that's here reversible sit down with a standup yourself -- knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near -- 888800. Point hit when we're going you have crunches and we're going to have dinners at the new Marriott not to support the Newton office which is off the charts -- -- kids were excited -- any any any 800 when he didn't want to do on that get a copy of senior safe money strategies and get a copy of the -- 888800. When he game one take the national senior retirement test which I developed any any -- 801 you want to find out where you stand. When you finished the test you know we understand it's a very it's a test that won't cause you to think about what you're actually doing and how you might stack up. Any pain any 800 when he hit one find out what the expense expenses are inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country wanted to point and find out if you still want to continue to give away at that point five. 11 and a half two and a half four and a half percent every month or you won't put then in your pocket or not given out at all. Any any any 800 wanted to he wants it will thus there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're going to create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you then we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the -- of your entire portfolio. All mapped out which is how much volatility you have in comparison to the market and we're going to show -- the expense ratios and what you have find out what you're actually spending on fees right now you have investments that are loaded any any any any country when he wants it with us in Burlington Braintree -- the newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are -- always or sit with us at bats in college and they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important we won't commute there. And we welcome to a new offices new don't be shy commandment you just shake hands kind of what we can do for you paid any 1810181. Season. Keep your family fortune in the family she what you had to use what you want. And pass along what's left are the trillions of dollars in diary and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard your assets acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from creditors and interloper is new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment or consulting session and have all of your questions answered that's 88881881. Keep what you have to use what you want and pass along what's left. Well it's certainly not a preacher around certainly not a priest very seldom have I ever been called something of that nature but I do want to tell you I was with the the mayor and ambassador Flynn mayor Flynn owner. You think you know things are happening in the world why are we why are we round against christianity christianity in America and what's happening in the world. Were persecuted for expressing their feelings I was outside of the church and I was away from my fifth. There are many years and are sitting in the office and brain training with a woman named Marian I don't arsenic into her last name. Irish woman many many years ago. And she would commend and to see meandering through insurers have. Marisa father Finn and should similar to function today and and these are trying to teach English to people from all over the world than. In his parish and used to be Irish. And immigrants who have been taught reading writing and arithmetic but it has become a melting pot obviously now finally. Oh man assumed interest his profile went to a she soon as equipment it's improved to bring the father offense since OK I assumed. Knows who delicious as well. Or the other night with food for him and put an end and into refrigerator and we couldn't find referred to and so assuming goodness the refrigerator must have broken down with the environment refrigerator and managed as soon to see further firmness of further from the of them. Refrigerate it down to suit he used to know what you're doing and you know just look to be tremendously well that's pretty much as well as the father does and I imagine still doing what he's Gelman put that conversation. Sort of the well I don't know. Candle in my brain. And I said to him. And so we're well within the chances of me going back to refrain giving her my testimony because of confinement there and she's defined as combat. You know I hope you into someone who have a journal Buchanan and somebody Princeton. Produce things and ever happen in my life begins to happen as they came back to my phone and I completely in agreement with the church but the Phillies there's been good for me. And churches been great to me but and not. Too many years later we found out who had his son his name's William and it was pretty amazing when I have in my life since then you know. And I must say when printed literature we pray and we did a new car. Are we images begin to in my life a little bit differently and have a completely been exonerated forgiven not something that I have to you know I don't know for sure. When that day comes which is coming to all of us and we pass on but some people say Kelly's trial evaluating having all these things you're doing and I'm thinking. Probably probably sell you know. But as my grandfather who send and you've got some belt and if you do ladies and gentlemen you should help others that's what I think and I do have to the extent that sometimes my controller and the people around the existing gas. And I just say well and continue to do that because there's so many people less fortunate than me so through that Manning with a client many many years ago and then again. But I don't speak with the ambassador Flynn often don't look some people say they're friends or Democrat. Ambassador Flynn was a whenever he's a hero to me and and he's retired from politics sees he's speaking up for the people who have no voice every day of his life so if I can come back from some kind of horrific life without any thought of Christ or. The feelings within me or my daily life and I can come to recognize my failings and recognize that I think that's part of my conversion process is what I meant. Ambassador Flynn and mrs. Clinton and thought well maybe this is useful and she's going to be something somebody you don't condone. Who knows the only thing I mean some such famous woman in who I met. This is where. A pancake breakfast Catholic pinky practiced in Dorchester. And it was basically tests and Kelly and I was like sitting in our kitchen back when I was on the farm and and its family family family family. That's when it's been and learning learning learning from them how to be better person all the time I'm not afraid to tell you. Now my competitors laughing at me through these things I hope and and I really I pray for them to but really it's not an act it's not something I do. It's been since it please audience because it actually. The number of people who were returning his style off right now has an astronomical compared to you know people listening because it's people don't like preaching on the especially when they tuned for something else but when I'm trying to saying is it's led to every great success I've had in the last twenty years back conversion everything and and I can tell you about it it's been directed spending indirect it's been observable and it's been mysterious but this happened and time is short you know. Lives in and begin to regret that I should do isn't just becoming known and then I changed my thinking I said you know. Well it's better than never and I think so to a funeral. If you're wondering if maybe you needed to hear this today that's that's fine I'm here to tell them and so they have the will be back in a few minutes you're the greatest people. I've met thousands of anybody going and I just I love you all and thank you for tuning in today we'll be right back. Senior safe money strategies Tripoli 81881. Call today. Yes all like to turn their backs and conference thank you very much. And so and so. Tripoli 81881. Call today. We would like to come to ask a drought that. And launch a parent that would be wonderful thank you I'm buying. Tripoli 81881. Call two days. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. So if you could make originations for me in let me you know I would appreciate it thank you look at it and I would like to make solicitations for the Tuscan kitchen Anke but I. Tripoli 81881. Call today. I really. And piety wealth preservation risk management seminars that Babson. I would like to attend the brunch. And so you can email me more information about it the vote that would like to attend. The brunch thank him. Tripoli 81881. Call today. Took gold and keep what you have. You what you want to and pass along what's left. Are you aggressively working to keep would you happen pass along something to those near and dear to you. You want typo I look back is in store replaced their recent five year look back and replace the original three year look back. Are you worried about the new tax law as well above potential means testing for Social Security Medicare and Medicaid and call 188881881. Now. And speak to build Kelly yeah. Get bills courtroom schedule review and make an appointment or have a consulting sessions to answer all of your questions today and that's 888800. The 1881. And. I think the United States is the greatest place in the world to invest we have some shakeups are doing it through bad apples. You just read it. Moon. In for a return. There's. This road to. Business excellence hey bill how are you know my friend. Good no reason. I'm doing good bill I'm doing very good solution that we had a nice sent to. In broad center of the seaport hotel where the the annual open knights of Malta the fund raiser to benefit the holy family hospital and now that's what am. And it was that a lot of distinguished him. Mountain men and women present some people from the Boston area mostly. In thanking him for financing to go to work and glorious. This kind of interesting I was at a featured speaker. And so you know I knew a lot about peace and always feel more friendly hospital which was closed for a significant period of time. Because of all the violence and disruption that was going on the holy man to the 1980 proprietor or. Pope John Paul the second reopened at two and he had the Knight of Malta. To take a bit of fundraising in the administration. I'm bitten into the knights of Malta have done a great job. And that restoring the possibility the main hospital for a mostly poor Christians. In the area that had been devastated. By property and division and war. Endlessly. And only hospital that they definitely. Not street soared. To get big time if maternity and hope that these children. Children need. Otherwise they'd probably be born in. Children will be born and and he kept at least some Bethlehem to introducing because of that hospital site steps. Our way from where Chrysler is thought to. So it was nice very Roche received an invitation to speak it airs this early this second. Fund raising event and it's nice to be able to speak at Eric that event and I use you get if you'd be interest in this bill because they know that some you talked about it Europe very interest and didn't. Yeah I talked to my main point was really talking about the persecution. Of Christians. That's taking place across the world and the discrimination and bigotry to. Against Catholic cause not only and I don't believe in the Middle East. But also as I've seen it personally political spectrum. And Africa and other countries in Africa so this a topic that. That generated a great stability in trips but it also prompted a lot of people. Coming up to me and asking me you know look at different experiences that are able to. Civil wars in Somalia and Bosnia Herzegovina here and where wander and we'll all these different places so that's. Officially been chilled. And had various governmental capacity and have had and I talked a lot about that night. Basically left to question why is that the United States us has been relatively silent until. About these atrocities taking place including genocide. And I said I I concluded my comments type thing. And let me notifying. But the presidents of the United States. And asking him to. To make an official statement. Into that seemed to take action. When I say take action Billy had recommended. That he president of the United States that time was Clinton. To a point to permanent on forty. For a religious persecution in the world to. Bill Clinton's let me back a better and I read the letter I don't. The letter that says that. From the presidential that would rock I think we would have your world thought total of letters and comments I made. Formal presentation to this well in the right docents. Com they didn't go forward without them unfortunately. I had to create the song great position to give official white out status. Is this being a major racial. I use my son William in terms of what historical about the church you know those school and and ambassadors from the same issues. The Roman. And pretty much wiped out the church and have an computer was burdens and has taught and almost burned outside of the city but I think. Summers and Peter was crucified in the united in this city but the issue isn't exactly the same his historic greeted him. Document his wife by the city he'd he'd send there's abortions wrongly that proportion was rampant in Rome and so that was wrong and well they crucify him in the they're responsible Peters amount. And then of course when they were cleaning you know more about this and I do on a contract for you know you're absolutely right no you're absolutely right. Well they were doing that was the basement of the Vatican and they broke through wall and the and the and the disappointment this might be Peters. Bones and then what is right and and and I think it blows and then. There's. When people take it to work they had the Vatican a lot of times they take the tour approved. The Sistine Chapel but I would I would recommend that they take that but they called Discovery Channel. And when people came from Boston Massachusetts of the United States. And they said mr. ambassador when Alice in US ambassador at the base of mr. ambassador could you help us get that sort solely on. Have to wait for hours since the Sistine Chapel has done with a new one thing I wanna do something better than that. And I try to make arrangement approved another American college world these young Americans steady. It can't theology to beat recent. How did you take discovery tour and you actually led the way you described it they didn't even know where he got that will carried. And they were doing this athletic COLT got Detroit he's buried right underneath the saint Peter's basilica. And on the record contagious with doing some. Doing some work they discovered the remains in the bombs and saint Pete gets a fascinating. A fascinating tour but you know you put 212 can get the duo. In these injustices. Of these. These rapidly brutality and violence against Catholic against Christians. But did anybody as they say it in my speech TSA is about anybody rhetoric just. It's persecution of Jews like we have been leading the broad you know they did toppling into an additional week. He's been writing a flood six sickest. We played them that I don't know bill a little urged people. To contact president trump. And two point eight special on their way to literally told status who has the ear of the president to. And I know the president will do something about it if he did some enough people. There were injured and religious persecution and bigotry in the rural candidate with the most. A solemn mass since this week and we appreciate you being a person best viewing your family Braden and mrs. Clinton got bush and eventually did not let it. Discover five keywords bundled for your retirement years the first is time. Second is trust Texas is a keyword technology has impact. Terrorism is the worst tee ward of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies call 88881881. And speak to build what matters to build Kelly. Q that's terrific. Senior safe money strategies Tripoli 81881. Call today. Yeah at all like to attend that conference thank you very much of and so and so. Tripoli 81881. Call two days. We would like to come to cafe at Skid Row that. And I'm sure there that would be wonderful thank you I'm buying. Tripoli 81881. Call two days. I was just listening to your radio show and I. I would like to attend the Tuscan kitchen. Presentation. So if you could make a reservation for me in let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you but I. Tripoli 81881. Call two days. I barely. And piety wealth preservation risk management seminars to Babson. I would like to attend a brunch. And touch you can email me more information about it for the both of us would like to attend. The brunch thank you. Tripoli 81881. Call two days. Seniors sitting on extracting. Wealth transfer senior safe money strategies. Living trusts seniors think money strap yeah Medicaid crisis planning senior saint under stress. Portfolio income projections seniors say money strapped. Call bill Kelly exceeding 31981. Or locally at 7818493090. This is still account for those of you want to protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any NET 800 when he didn't wanna ask for a free copy of the changing face of retirement investing it's an amazing publication. In it you learn what has happened since the boomers first started their journey on earth and the unique place she might be today. If you're over fifty and trying to figure out what path to take on your retirement turning everybody has been on a path. It's called life. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- When he didn't want we just open the office it's packed schedules panicked when adding a more and more staff to new and we have to train people we have to do growing and we will fit you win 888800. When he hit one get another look at what you're doing before you make a mistake or before you do something that's here reversible sit down with a standup yourself kept knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. Point hit when we're going to have crunches and we're going to have dinners at the new Marriott now to support the Newton office which is off the charts institute's -- -- -- 888800. When he didn't want to do on that get a copy of senior safe money strategies and get a copy of the workbook 888800. When he game one take the national senior retirement test which I developed any any any 800. Wanted to point find out where you stand when you finished the test you know we understand it's a very it's a test that won't cause you to think about what you're actually doing and how you might stack up any pain any 800 when he hit one find out what the expense expenses are inside of your portfolio and your investments your 401K. You're variable annuities find out what the expense ratios are in the investment you have the funds need any any any country when he went and find out if you still want to continue to give away at that point five. 11 and half two and a half four and a half percent every month or you won't put then in your pocket or not give it out at all. Any any any 800 wanted to he wants it will thus there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're going to create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you and we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management really show you the -- of -- entire portfolio all mapped out which is how much volatility you have in comparison to the market and we're going to show -- the expense ratios and what you have find out what you're actually spending on fees right now you have investments that are loaded any any any any country when he wants it with us in Burlington Braintree -- -- newest office Newton visit with us at the Tuscan kitchen for dinner or -- those so those are -- always or sit with us at bats in college and they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American. Entrepreneurship. And college has formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there and we welcome to a new office in new don't be shy c'mon in me just shake hands kind of what we can do for you paid any 18100 when he won that season. A broad terms. There's. This road to. Ambassador Flynn. Says a great week thanks for asking him. Finally we have some events in Burlington so many people mentioned your name and they came up to me personally this and boy we love hearing mayor McCoy you mayor Flynn and we looked him in Flint honor and. Bill that's correctly it because it. Area somebody's in South Boston. Chute opens up and on Thursday. You know action. Opening up stand outside Atlanta child lost 3000. A people you know lately it up front page story in Boston Herald Portillo. A lot on and meet up my credit I talked about Burlington ma. Gave up to. It is essential US. Saturday morning on the don't Charlie show genes WR to go and boy they have they have a great time. Practically. It must have sent people up Elgin within. Be good days ballplayer. Oh. An extra. Oh. Great it anyway. You know everything so scripted and its so I think people get the sense to me it's something I'm look forward to we never have a script you of course have a lot and teach people and they can learn from you so it's fairly real hair. Well I Ares programs and you know people get together. Programs. It about it. You know taco what. Disgust at shoot at you know. Exploration. Program show show. Thousands. He. What we do is what do we prepare ago. And fighter picnic. Shall we just talked. Now what I. Like it like people people ought to just level like at all. Butler. Military equipment and Molly 'cause that's it was actor. Shouldn't be here next week. Kicker wrote we should root out here which some people up. Well it's different you know nowadays it's in everyone's afraid descendants of friends and and I've always just said what's on my mind and five. I take it as a way when I speak with you on the radio it's a chance for me to learn something so that's my grandfather Murphy would tell me he appears open. Keep your mouth and a minimum in key here is going in since would be a lot better off so I I have no I'm not Charlotte over. Yesterday less. People here. Came up to sit. We. Are all challengers not get. I. Those grant to hear people come. But up and talk. Air it saying you know one of the guys are all. Actually it's such a vote up or X. Server. You know keep up. Like. Like a strike the correct. Animation. Give out not to expect if it's fun though it out of or I'll I'll do you know it excited. I know it's by competitors who earns about sometimes as a member of the used to send because we just get on her. So we want to and then we get to the financial brake later. But it's more important to get this information now because there's nowhere else for people to hear you okay can you stay for one more segment. Truck up. You used to know. This is the bill Kelley show there's nothing ever false about hope. Keep your family fortune in the family. Call 188881981. Now and speak to bill Kelly yeah. For those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any NET 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication. In it you learn what has happened since the boomers first started their journey on earth and the unique place she might be today if you're over fifty and trying to figure out what path to take on your retirement turning everybody has been on a path. It's called life. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Schedules packed we're adding I'm more and more staff to new and we have to train people we have to do growing and we will fit you win a pain pain 800. When he hit one hit another look at what you're doing before you make a mistake where before you do something that's here reversible sit down with a standup yourself -- knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. Point hit when we're going to have crunches and we're going to have dinners at the new Marriott not to support the Newton office which is off the charts institute's roots iso 888800. Point 881 afternoon that get a copy of senior safe money strategies and get a copy of the workbook 888801. You want take the national senior retirement test which I developed any any any 800. When he wanted to find out where you stand when you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up. Any pain any 800 when he hit one find out what the expense expenses are. Inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds they need any any any country wanted to warn and fine and if you still want to continue to give away at that point five. 11 and half two and a half four and a half percent every month or you wanna put that in your pocket or not give it out at all. Eight and 8800. Wanted to he wants it wind thus there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're going to create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- We won't commute there and we welcome to a new office in new and don't be shy command me to shake hands kind of what we can do for you paid paid 18100 point in game one season. Are you getting pays over five days bundle to any investing relationship. One is the ability of your professional. And another is availability. There's attitude action and accountability. Listen to bill Kelly's senior safe money strategies called the 8881880. Wanted to speak to bill. What matters to build Kelly is you know and we think you give him straight days. Well I got a call from my brother communicate in 1992. I was in Newport Rhode. Ireland's and I I have a software company was one of the largest in the country in the market crash of 1987. I shook up the investors and the general investing public so we were only blue responsibly so powerful men and I was so wandering around but I know our. A lot of computers early on and one that was really mean you have to my room it was a raining heavily armed and you know if I met at the green so I couldn't not not even get out of my car to run across side we're going to my apartment so I just going to be differs quite a few. Moments moments and me to employment it's made me. When is New England oceans front rainstorms. So. So that is feeling come over me and I said well there in the Arenas in Rome embassy of prayer. Which handgun and quite awhile so I said pentagon and I thanked him for his health in my life and killing wolves are innocent gun. To would you open door for me I am no right to ask you this have you but also if you were open when you give me a whack. Undecideds had to make sure I realize you're opening a slow go through the due to the doorway and men in the rain stopped pretty soon and I ran into the apartment and upstairs and tell about a week and a half later I get a call from my brother in Connecticut and he's decent he's going to lose ability. I am doing really well here in financial services. We don't have technology you know it's the future. And so if you come down here. And it can't control of your licenses to show her own practice and invite you to stay for two years most at most and use our every week. Community is something you started to use and don't have to move. And while he was saying was I wasn't thinking much about it was enough for. The noise went on well. The system door explicit sure don't see them under have a little tiny newspaper it's old and CNN entertainment. Articles in the newspaper. And there were two young women working for me and they wanted to Bryant so the next morning was a Saturday. And I so I asked engine room about a paper edition distances and continue to for the Campbell's which the Internet they do. And often went to community and my brother bought me three suits and JC Penney to constrain grade six sweatshirts. To pair of shoes and moved from under my involvement parachutes for good hook and I changed from a software engineer whenever. Journalists and then begin to study for my license is that I respect that six licenses I believe in four and a half months or did the study and three by five cards everywhere pasted up in my room slipped on the floor. In the office was Kelly financial group and one of those who communicate among the top producing offices legendary production in those days. Kind of a bull market peaking and then the business now that not all there's database I started there to help my brother grow his business is I still use it today I wrote it myself it contains 34000 records I think it's never crash and it tracks everything we do still and that was something I started right then one night remember starting the first block who has the interests of the people and so we've been using them in the system that I was taught was. An incredible crime to contact system where. We can touch and then you lose people and we can help them pretty tracked assets we can do great. The gratification of a client. The client needs to that all happened back then I left there too mean to your blog and I was gone went around Massachusetts. And I think in 2004. I believe my brother sold his company it's no longer had a great retirement built Obama in the Connecticut River. I'm a really beautiful home exactly knowing and his wife wanted it and but the wrong way they were Congo's conflict were Brothers or Irish come from a large family so there was a lot of conflict on who knows what who did vote for whom have to deal you know so we know and talk for awhile. And then I didn't call out several months ago that your Brothers and looks like alzheimer's so you know me you know immediately on the supplement guy you know I've thought about 12100 dollars and with the supplements on Amazon shipped him down and my brother and called them often but I never really thanked him for the change that occurred in my life like to do there are no improvement in penalty killing obviously. And there was a life changing experience for me to believe publishing the software entered into financial services back in the early nineties but and I learned a lot in the process but now I have to learn a lot about them out in the possibility of my brother. You know paying off for someplace else after all he did to help me succeed so we move on in life and how do you think someone's change you life dramatically. Now I put in the work but I did get a start in this business by the help of what I do know from my brother. And the system and command and and then the system that I know too perfect and help define and since coming to Boston I think. We've written a 105. Hundred million dollars in business half a billion dollars that's been prior to that who knows what I wrote when I was back in memento or when there's field. So it's it's been uninteresting interest in him. Journey assume I'm thanks someone is change you learn from dramatically with their actions of helping all fun and I guess I'm gonna that's my test. To find that I don't know we have our. Our squabbles because we're Irish and we have that are now holding grudges I think than ever anybody and I think tank and Mehmet be another reason people. Who can. Hold a grudge. But we're toughest details to himself so it's a it's a different it's a difficult time for me thinking about this week group confirmed squashed together seven kids to grandparents two parents worked three jobs each. And trying to make life better for us as you can reach him Avaya IR. Her for doing the crime among the rue I'm not really promoted I can't it's hard for me to promote myself. I just talk on Saturday morning and after I'm gone I feel a lot better. I'm myself and some other people feel a lot better too because they call an incentive and it's a privilege really to speak with you. I never forget that how wonderful you are you know we're we're here in the room we have we're in business to help people and I've had some great years I don't think I've had a billion in this one. Right now. And it's a losing. Because when I'm hearing out there is it's slow going for many people we had a busiest week in history the week of February that the last week in February 1 week of march at 570 period was the biggest weekly for American history and historically we're at the top of most single producing offices in America. Is a big week because of you thank you and we have systems known that I think are we have the best my church in the world and I feel. We have the best to win and in fact client names or clients need and to isolated and actually channel solutions that are multifaceted. And that might be wrong this is happening for us but. The effective manner designed I love being with people I love the meetings I love visiting with you. I loved solving cases and of course I can sort of size them up pretty quickly but I used to maybe ten years ago I could size them up pretty quickly but I didn't know how to communicate. The way I really wanted to communicate. And I think now I have. Gift of being able to communicate the solutions in a way to make them palatable or inviting and use of talent very important it's almost it's almost too important to overlook the use the talents great but using it right you can see what the patriots to every year you can you know what I read are directed. Every year with people different people and I of those organizations work and we try to emulate that unless much much smaller scale but it's fun so I was brought into the business because somebody in a very producing the office. And it picks who just excellence who wanted to come into the computer age the micro computer fixed and I was there and help and that you know finish to came in the the ensuing years or I decided I really you know. Perfect what I'm doing in my own mind I'm not writing that's my goal and that you know it really works are taped the Vince Lombardi speech to me here. For four years I read it every day every morning because finishes it moral good spots on it Warren groupings of whatever. I still haven't but I read it every day it's about competition so we can talk about that later but they were lean times starting out. You want to have a lean time to start visiting people in their homes and trying to structure financial strategies for them and find out store now that's gonna have a bad day. And so we're going to -- few short moments we'll talk about the core of my son William visit with us is that okay countless. Seniors save money extracting. Wealth transfer senior safe money strategies. Living trust seniors save money strapped. Medicaid crisis planning senior saints on strategy. Portfolio income projections seniors. Money strapped. Call bill killing at 888800. The 1981. Or locally at 7818493090. Senior safe money strategies Tripoli 81881. Called today. Yes spotlight to turn your backs in conference thank you very much of and so and so. Tripoli 81981. Call two days. We would like to come to cap it at scan around that luncheon there and that would be wonder. Well thank you about. Tripoli 81881. Call today. I was just listening to your radio show and I. I would like to attend the Tuscan kitchen. Presentation. So if you could make a reputation for me and let me you know I would appreciate it thank you look at it and I was like to make solicitation twenty. Tuscan kitchen thank you. Tripoli 81881. Call two days. Look for the book blind. The over time it strategies today thank you. Tripoli 81881. Call two days. It's gut Douglas into the radio show over and over it back on any well card because I am interested in learning. You know may be having you guys you complementary review and I'm also interest them but the material that movement and acute and have a great lead at the weekend. Tripoli 81881. Call two days. This chronic country every day and I'm sure you each had let get spot there and I love it. So on Saturday morning I heard of our event in the trial I would love to it and I'd love to want to pick editing and and me I want to thank you are. And Mason and me and I love Billy took on that they can't and god bless and I. Tripoli 81881. Call two days. I analysts. And piety wealth preservation risk management seminars to Babson. I would like to attend a brunch. And touch you can email me more information about it to the both of us. Would like to attend the brunch thank you. Tripoli 81881. Call today. Those are you wanna protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any any any 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication. In and you learn what has happened since the boomers first started their journey on earth and the unique place she might be today if you're over fifty and trying to figure out what path to take on your retirement turning. Everybody has been on a path its goal line. Where you've been is probably in a place called sacrifice and going without in order to invest and save for retirement at the same time helping others that's where you've been an issue of travel through life just like you've reached a point which is called now this moment yesterday this history tomorrow's a ministry don't look tomorrow can be a projected calculated and actually maybe I -- more of a certainty if you have the proper information and you have the proper tools so any any any any country when he wants it with us tell you it's important for you to know cash flow becomes the most important thing can you. We're having events at the Tuscan kitchen we're having events and the Babson college and we're having events and several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays chemical thing opening lanes we have a new office in Newton it's packed we will make room for you we'll make room for everyone any any any 800 when he didn't want we just opened the office it's packed schedules packed we're adding some more and more staff to Newton but we have to train people we have to do growing and we will fit you win 888800. When he hit one hit another look at what you're doing before you make a mistake where before you do something that's here reversible sit down with our standup yourself kit knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton. 888800. Point hit when we're going you have crunches and we're going to have dinners at the new Marriott now to sport the Newton office which is off the charts as the kids once I saw 88880181. You know that get a copy of senior safe money strategies and get a copy of the workbook 888801. Meeting one take the national senior retirement test which I develop any any any 800. Wanted to point find out where you stand when you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up any pain any 800 when he hit one find out what the expenses the expenses are inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need any any. 800 when he went and find out if you still want to continue to give away at that point five. 11 and half two and a half four and a half percent every month or you want put that in your pocket or not give it out at all. Any any any 800 wanted to he wants it wind thus there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you were going to do balance sheet for you. We're gonna do an investment report for you and we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the -- of your entire portfolio all mapped out which is how much volatility you have in comparison to the market chemically showing the expense ratios and what you have find what you're actually spending on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office Newton visit with us at the Tuscan kitchen for dinner or -- those those are packed all lace corset with us at Babson college and they've welcomed us with open -- just a fantastic. Experience and perhaps in the home of American. Entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important we won't commute there and we welcome to a new office in new don't be shy Akamai and Alito shake hands kind of what we can do for you paid any 1810181. Season. Keep your family fortune in the family and keep what you have to use what you want and pass along what's left. Are they trillions of dollars in a higher rating and individual retirement account going to beat too much for Uncle Sam do overlook. As you've done tactical planning do strategically to argue restaurants acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from creditors and interloper his new legislation is here now. Do not delay. Take decisive action to keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly. Schedule a review an appointment for a consulting sessions and have all of your questions answered that's 88881881. Keep what you have. Use what you want and pass along what's left. OK and you say goodbye to the people. Thank you listening. And. Yeah. What's most important to you about your retirement years trying senior safe money strategies with bill Kelly called killer triple A 81881. Or locally at 78184939. Feet. Stay informed. Are you getting pays yeah door behind me. Bundle to any investing relationship. One he has the ability of your professional and another is availability. There's attitude and action and accountability. And bill Kelly you're safe money strategies. Call 888818. He wanted to speak to bill. What matters to build Kelly is here. And we think you're giving them straight days. Senior safe money strategies. For calling 81881. Called today. Yes spotlight to attend your action conference thank you very much. And so and so. Tripoli 81881. Call today. We would like to come to cap it at Scutaro that luncheon there that would be wonder. Well thank you I'm back. Tripling 81881. Call today. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. So repeat could make originations for me in let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you. Tripoli 81981. Call today. Well for the book blind. The overtime strategies today thank you. Tripoli 81881. Call two days. Did let into the radio show over and over this little it back on any well caught because I am interested in learning. You know maybe having you guys you complementary review that also that you have been but the material that movement certain acute and have a great at the weekend by. Tripoli 81881. Call today. And laconic country every day and I'm sure you can't let this spot there and I love it. So on and in morning I heard a big event in the trial I would love it and not just one ticket and secret. Andy Rooney I want to thank you. An animation you sent me and I love Billy Burke. I can't and god bless I. Tripoli 81881. Call two days. I really. And piety wealth preservation risk management seminars that Babson. I would like to attend a brunch. And Turkey could email me more information about it to the both of us. Would like to attend the branch banking. Tripoli 800 in 1981. Call today. Yeah funny strategy. Wealth transfer thing you're safe money strategies. Living trust seniors earning money out. Medicaid crisis planning your stay on track. Portfolio income projections. And your money strapped. Call bill Kelly exceeding 31881. And or locally at 7818493090. Okay. Yeah. It's. Okay. Telling them. Yeah. It's. Really good car. What's most important to you about your retirement years trying senior safe money strategies with Phil Kelly called killer triple A 81881. Port locally at 78184939. Feet. Stay informed. This is Zander Kraft chief investment officer Kelly financial services with market wrap up to. The Dow finished down 98 points for the week the S&P 500 finished down ten points for the week the thirty year treasury finish at. Three point 16%. 3 thing you need to know in today's market the US added 235000. Jobs 45000 more than anticipated February. Dropping unemployment rate to four point 7% there's a massive oil discovery in Alaska. The largest of its kind on short the last thirty years yes repeat this week broke its six week win streak. Meet me at any given twelve upcoming events in Newton Burlington natural Salem at the Tuscan kitchen crown plaza or did America call 88881881. Per complimentary seating. Senior safe money strategies Tripoli 81881. Called today. Yeah. Any any any 800 when he hit one we're having events at the Tuscan kitchen we're having events and the Babson college and we're having events at several different venues in the coming three months we're absolutely packed right now for that reason we're open on Saturdays in my opening opening lanes we have a new office in Newton it's packed we will make room for you will make room for everyone NE 88800. When he didn't want we just opened the office it's packed. Schedules packed we're adding more and more staff to Newton but we have to train people we have to do growing and we will fit you win 888800. When he hit one get another look at what you're doing before you make a mistake or before you do something that's irreversible. Sit down with our standup yourself get knowledge visit with us at the Tuscan kitchen in Burlington or perhaps in college near Newton 888800. When he hit one we're going to have. Crunches and we're going to have dinners at the new merit not known to support the Newton office which is off the charts institute's roots iso 88880181. You know that get a copy of senior safe money strategies and get a copy of the workbook 88880181. Take the national senior retirement test which I developed any any any 800 when he didn't want to find out where you stand. When you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up any any any 800 when he hit one find out what the expense expenses are inside a few portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investments you have the funds need anything he. 800 point it went and find out if you still want to continue to give away at that point 511. And half two and a half four and a half percent every month or you want to put that in your pocket. We're not given out at all. Eight and 8800. Wanted to he wants it within us there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you know we're showing you that -- of your investments and sounds like a big -- but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market chemically showing the expense ratios and what you have find out where you're actually standing on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are -- always or sit with us at Babson college and they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American. Entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there and we welcome to a new office in new don't be shy c'mon in me just shake hands kind of what we can do for you paid paid 18100 when he did one season. Keep your family fortune in the family teeth which you have to use what you want and pass along what's left. Are there trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard your assets acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from creditors and interloper is new legislation is here now. Do not delay take decisive action teach your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment or consulting session and have all of your questions answered that's 88881881. Keep what you had to use what you want. And pass along what's left. That's good. Thank you. Oh. I had. We. She looked down. And then yeah. Did an okay. Ladies and gentlemen this is some support count an elder law attorney who specialists and trust immunity in this state planning thank you for joining us today attorney Patel thank you for asking and knowing helping a lot of clients and Kelly peninsula known as displayed everything about him personally appreciate you doing Minnesotan Paul what are you finding what you're seeing in the eastern meetings in general but you can tell us that seem to be very important to these folks and visit our secure financial services. Well I have to say that out of your client can be more important. About the tapes and documents and state planning options that are available they can get done their homework and they are well educated but there's still a lot of misinformation out there and it's important for her for clients can now there's not a one size fits all come to its feet plant a lot of people think being this. But because the truck and the only way to protect my aspect maps. Not necessarily that he. So we look at the Medici trucks. In the different pay a premium vehicles. To help get part of the way there at the client he now that's not the only way you can help protect Barack for some things they've worked very hard for her than a lot of other planning tools that we as a state planning attorney can help clients let that can give them axiomatic protection and peace of mind. That the medic he trusts can't. Meeting with them quite a few of the coincidence knows this news very happy what's transpiring with you for the most part we have people worried about passing world to their families regarding an intense. And you can spend around he's become incapacitated. And then again maybe getting some benefits while they're living out prior to going to have because most of her parents got him with the deal. There's an era remarkable trust people seem to fear is their cost for you or. Or mark from marker where you're saying well I think it's time for their rent a couple permanent trust our music to McCain's which I'm sure must beat this time. It's it's certainly can placate one thing that clients seem to know and I'm very standard client and they think that walks in the door is media couples nearing retirement each. They have hired the navy is not a market. And needy a lot of their investments are tied up in Clark writes quite fun I thought I mean I'm apathetic tax expert so for a one state ironies. Further after that can never be placed in Q are any type of track because I Arafat says both have to be owned by an individual. So someone has a house the mortgage that's another act of them cannot put into a Medici trustees gates in Erie vocal track. Because your name comes up that he and that they found locked in collier markets do that happen. So with that type of standard client that convent and Medici truck not appropriate. However what we can Taliban and no meaty it specially made your retirement he's just really not that still actively managing their ascent. And to do those eerie Baltimore trust you can't be your own truck eat. You are giving up a lot of break to accept me and make them funny that he African cited them. And while they definitely have a police and state planning. It's something that can be suddenly Iran there is a five year look back period. But a good financial color returned me to give your your children need nearly he would seek communion for you in the future. In their other way to do it the other thing in the end. When it comes to the U regal look over at the regal or truck there's no magic eats. A linkage to make that transpired I have ninety year old client were not want to give up control of their assets. And I at a poked their sixties who are so it really is based on the situation healthy this where you're at in your life. How you feel. You know what the risk protection Bert finish the ability to control the abstract. Let that kind of will meet the people per gallon pot with me. And personal training at a very comfortable processed it and they know what he's planning is not I'm talked about not under the clean and like try to. At the very beginning and settle my client Goldman their philosophy is that the first question Tucker I hear what your goals they blocked the key. And now we tried to work on a plan works best for them become useful. Who was so loose with the McAllen incredible estate planning attorney know the law specialist who helped our crime particularly financial and both Burlington in Braintree. And in return and you licensed in both New Hampshire and Massachusetts that is correct and it's a special qualities and he'd be fine and helped us along because we have clients from both those states but also some couples are actually some people have property. In those states who really announcement that the events especially people find that if you're extremely magnetic speaker anywhere from the hearts of people seem like I'm about you listen. Well thank you very ideal I really enjoy what they do and I loved sitting down client. And like the fact that my job as a one on one relationship with my clients and what I offer for my client is. They don't charge you for follow up. Email and phone calls and things like that that Chillicothe I clicked. He knows some amazing document together or you're afraid you can get to know every kind of kept contact. My office. And we haven't done much for you so and for Kelly financial's clients as well I have been revealing their existing documents. No charge. To make sure they're doing what they would think should be feeling and it's really good to go through them because after seven or ten years beneficiaries might have changed. There's a lot of watching it and and then not to overlook powers of attorney just as important in this state plan making church on major health care decisions and a place petitions and insufficient and leaking check your spelling out who gets flattened much he can what you want and cannot change you know like significantly within the document. Well we appreciate it 88800. When he when we have a wound trust booklet that we provided Tony 161000 numbers as a lot of characters don't trust and I know this you have a lot of information for the folks who can also contact you through PPP. Is 101 anymore appreciate you being on this morning you know your resume or your own son he's three now while times. Chain arena yet when it implies. Cartoonist whose name is sure there are island room could look good Arlen immune to you know for us again next week thank you very much and I love I would definitely use him a couple of you know. Can you pick up let's put there to support you know an elder law attorney who specialists in terms. Mentioned in this state planning indeed he is under one you want. Attorney I don't listen putt Carol instrument fantastic human being great credibly you know skilled estate planning attorney call eight and he. 801 if you wanted to ask for the will and trust workbook ask for 2016 by numbers task furry sit down. With Melissa in Braintree or Burlington the EP. 800 wanted to you want and we'll be right. Good. Thank you lose. Me. Yeah. She loved. And the bonding math did okay. Senior safe money strategies Tripoli 800 in 1981. Call today. Yes spotlight to a certain action conference thank you very much. And so and so. Tripoli 81881. Call today. We would like to come to cap it at scan around that. And luncheon there that would be wonderful thank you about. Tripoli 81881. Call two days. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. So if you could make a reputation for me and let you know I would appreciate it thank you look at it and I was like to make the reservation twenty. Tuscan kitchen thank you up. Tripoli 81881. Call two days. I barely. And piety wealth preservation risk management seminars to Babson. I would like to attend a brunch. Then touch you can email me more information about it to the both of us. Would like to attend a brunch thank you. Tripoli 81881. Call today. Don't go and keep what you have. You just what you want to and pass along what's left. Are you aggressively working to keep would you happen pass along something to those near and dear to you. What type of look back isn't sort of replaced their recent five year look back and replace the original three you're looking back. Are you worried about the new tax loss well above potential means testing for Social Security Medicare and Medicaid. Call 188881881. Now and speak to build Kelly yeah. Get bills courtroom schedule review and make an appointment for have a consulting sessions to answer all of your questions today and that's 888800. 1881. And. I. I. The. I think the United States is the greatest place in the world to invest. We have some say it's. Too bad apples. There's reed. For those of you want to protect your wealth if at all possible for those of you who. I'm wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any any any 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication. In and you learn what has happened since the boomers first started their journey on earth and the unique place you might be today if you're over fifty and trying to figure out what path to take on your retirement turning everybody has been on a path it's called life where you stand is probably in a place called sacrifice and going without you know due to invest and save for retirement at the same time helping others that's where you've been an issue of travel through life just like you've reached a point which is called now this moment yesterday is history tomorrow is a mystery but look tomorrow can be a projected calculated and actually. Maybe I'm more of a certainty if you have the proper information and you have the proper tools so any any any any country when he wants it with us I tell you it's important for you to know cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to make of this is significant portion of the human of your retirement cash flow so maybe 8800 when he hit one we're having events at the Tuscan kitchen we're having events at Babson college and we're having events and several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays remarkable thing opening lanes we have a new office in Newton it's packed we will make room for you will make room for everyone any any any 800. When it went we just opened the office it's packed. Schedules packed we're adding a more and more staff to new and we have to train people we have to do growing and we will freak you win 888800. When he's going to get another look at what you're doing before you make a mistake or before you do something that's irreversible. Sit down went on standup yourself -- knowledge visit with us at the Tuscan kitchen and Burlington or perhaps in college near Newton 888800. When he hit when we're going you have crunches and we're going to have dinners at the new Marriott now to support them you know office which is off the charts just to kids what's iso 888800. When he didn't want to do on that get a copy of the senior safe money strategies and get a copy of the workbook 888800. When he went take the national senior retirement test which I developed any heat 8800. Wanted to point find out where you stand when you finished the test you know we understand it's a very it's a test that won't cause you to think about what you're actually doing and how you might stack up any pain any 800 when he hit one find out what the expense expenses are. Inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country wanted to warn and find out if you still want to continue to give away at that point 511. And a half two and a half four and a half percent every month or you wanna put that in your pocket or not given out at all. Eight and 8800. Wanted to he wants it win thus there's no fee for a consultation. Initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you and we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market and we're going to show -- the expense ratios and what you have find out what you're actually spending on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are -- always or sit with us at bats in college -- they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there and we welcome to a new offices new don't be shy command leadership cans kind of what we can do for you paid paid 18100 when he did one season. He broke. And strolled to. Contestants flags hello ambassador went on your bill you do it. Well it's the usual Saint Patrick's Day is upon us and so are going to be great when. I think so you know I think it at all the issue designed outlook the operate like hell they doing you right it's just a misunderstanding. News that. You know be a great dad beat great parade as it usually is you don't have that I don't but the whole thing. Is he has such a history entry tradition here of the Irish immigrants and when it. Go to church in the morning and then we always correlate to let the cathedral. We go way back over the after the cathedral of the holy cross from the south then you know we had so many immigrant Irish. When they first came from Ireland Mike Stanley and and that's where they went to church counseling Patrick's day was built by the Nickels and irons of the Irish and when they first came from Ireland and that's where they felt most comfortable so that's your history and tradition with us on Saint Patrick's Day it's about the reason. This other stuff that's really good faith religion and family. That's what we looked at most about it. Well millions left and millions die you know very few people realize that that. What happened to Ireland I guess when you very. Yeah it's incredible matter of fact there's tonight bill. How we were over to the Massachusetts historical society those competence 1791. I had done India and narration. With but the history of the Irish immigrants. In Boston story CNN. Migration an opportunity. It was really sensational. It sold out crowd over the their professor of ala who's so we're not peace in university. They had incredible group of people. Lot of professes a lot of academics. President Obama presence as serious colleges and universities. In the Boston area and we had a chance to talk to me you them after the formal presentation and they were talking about it. Give background and experience to know some of the most successful academics and business people who don't. In the entire New England area where there and I was just incredible to hear this story. The story of a lot like you just don't you know studying from the bottom. Working two egging us. Seemingly commitment to business honesty integrity and they became presidents of universities. And college processes and doctors sin. You know you're the mall last night and met them all last night at the masters historical society endless. Was clay got quite an evening it is to be in the presence of so many. So many people have very very interesting story. To tell before they became famous. I'm looking back at these. Patrice back consensus on my Hillary over the years and I. Now some of them would save you from Ireland some cities Irish free state I don't I'm not aware of the difference you. Ring a bell with you. Well I think it's a terminology that they used to you know he had the he had the NORTHERN IRELAND six counties in NORTHERN IRELAND there were always under the jurisdiction. Great Britain. And that of course there's the battle of the independence. In the republic. Violence he held my grant maidan mighty bright Smart these talk about growing up an island in when that. And attending school. They had to work edit blessed virgin Mary statue in the in the classrooms. They put it they had a portable. Two hole record so when the asked the authorities came to police authorities came. Into. Go away they had it well they they could show the Buddha statue of the blessed virgin Mary. So it was yeah it was silent but it was really under the control and jurisdiction. The British government as part of the United Kingdom that's what that. That's what the site result boats that are in the war and in need an independence. In 1960 and that challenge you know we talk about that last night ability. To struggle. For freedom and religious liberty hidden. In economic cold open human rights you know that came to bottle that was. Diverted to Boston with a no nothing new era you know there wasn't one single member of the Catholic state. That served as mayor of Boston. Governor. House of where these senators or a senator from it on time they called that the no nothing you Iraq. And that's why I became student that's. And that's way content like deeply involved with the yet the effort to repeal that law. In Massachusetts which still leaves. Yes which discriminates against Catholics in education you can't provide any kind of help you. He looked certain equity and it was at its peak in the northeast Catholic schools a lot of them out of the students. Arab a couple of black kids that you know you can't give directly given to. To each of these schools that's why so many of them. Pack closing and that's the struggle was an island and to. In one of the Irish people came to this country like your family night and we they face struggles and challenges and persecution and once again so. The fight never stops till we get to be on that close every day fight for what we believe that. Well you know it's it the potato was a blessing but unfortunately. It didn't help Great Britain to move. Go to the four corners of the globe there to fill up matches with tomatoes they would last for months and there is loaded with vitamins C and current. Hundreds. So they needed more and more from the Irish and they force their hand. Until basically all of the. Did you just say when I used to go to lab on double up the exciting for united I haven't they are and I use of the over the years. People would say you know why he's spending so much time and and fighting for united island and say you know the site has gone. Because what happens with the Irish it was empty a lesson examined helplessness salvation. It was they that was cool counts but what they did is they took the route they took the food they put it on trips exactly like you said. And they brought it to other parts of the world to. Two to expand their. You know their rounds of two million homes across the world to work with the food that came from Ireland particularly the staple food. Of the potatoes so you know it is. Has been not strong anti. Catholic. Anti Irish sentiment and I suspect that there will be this kind of persecution bigotry. As long as we're looking for. For other states and performed other. Ethnicities and and and races as well that's why. You know that paid Meyer people. That have the courage to get appeared speak out stand up he hears some of these heroes on radio and TV. He knows speaking out digging out and talk shows that I. I like listening to them I really do you know I'd like to do what they do they bring justice of each of the years says people need to hear. And that's why we. We have to get involved we really do that is advocates say this year and we truck the region. Column often in in The Herald it's always great news learned but I'd specially learn and spending time with you and. Happy Saint Patrick's Day god bless them. Just over five keywords bundled for your retirement years the first is time the second is trust. Texas is a keyword technology has impact terrorism as the worst tee ward of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies call 88881881. Saint street to build what matters to bill Kelly he's cute. That's terrific. Hello on my name is Daniel Christensen and risk management Susie Kelly financial services want spent some time today talk about the importance of long term care plan. I understand that this is something that's extremely pleasant to talk about. Is anyone that you are talking about a scenario which it may not be able to live discreetly as they are today. But the biggest mistake you can make is not planning for long term care. It's effecting work we're seniors every day 70% of people that turned sixty but this year some sort of long term care lifetime. The average sentence care varies. On average stands around three point seven years for women 2.2 years from Matt. I understand that some people were thinking selves I feel great my doctor says that no major health concerns. But the biggest risk for seniors this disease sickness. It's falling according to a recent study this year. Three elderly Americans will fall currently sells it leading cause fetal non fatal injuries for American seniors. Falls or sudden unexpected accident they can change course your life team rail your current retirement thing completely. The times slipped on the ice or slow on the kitchen can lead to a stream medical bills totaling thousands. Last year the average lease costs for an assisted living facility in Massachusetts was around 4000 dollars per month this current retirement plan have the flexibility strikes. Sport expenses that. Kelly finance were here to work seems to your goals and objectives that we can create holes retirement plan helps protect your assets while providing steady. In excess income stream at the same time there are many different strategies that we can use picture that we deliver long term care protects our clients and affordable rate. Garrido be significantly cheaper and a pocket for care. We encourage everyone coming towards our three offices. Braintree. Burlington. In the lovely new office and in Riverside San. Quartet partners branches in the Greater Boston and New Hampshire area so you can sit with us talk about long term care plan. You've worked your whole lights it up for retirement plan now. Enjoy your retirement pass on you have left says he loves. Detailed financial call EDD. 81881. Locally at 7818493090. Schedules it out of retirement specialists. Don't wait proactive and plan for the future after the 7% of people that turn 65 this year we have some sort of long term care and lifetime. Give yourself the financial stability to be in the best care possible. Long term care insurance covers care within your own. And protect the assets worked your whole life for. And passed along to those you. Can tell it financial call 88818. Needing one. Call us locally 7818493008. Senior safe money strategies Tripoli 81881. Call today. Yes spotlight to a certain that action conference thank you very much of it and so and so. Tripoli 81881. Call two days. We would like to come to cap it at could drown that. And I'm sure there that would be wonderful thank you I'm buying. Tripoli 81881. Call today. I was just listening to your radio show and I I would like to attend the Tuscan kitchen. Presentation. So that he could make the reservation for me and let me you know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you up. Tripoli 81881. Call today. I barely. And piety wealth preservation risk management seminars that apps and I would like to attend a brunch. And took you can email me more information about it to the both of us. Would like to attend a brunch thank you. Tripoli 800 in 1981. Call two days. Seniors seem funny strategies. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning senior saint under stress. Portfolio income projections seniors money strapped. Call bill killing an 888800. The 1981. Or locally at 7818. Or 93090. So its financial survival and what threatens that for you and in retirement its cash flow and you have a government that sort of works against you win some points that they wanted to put in some heavy heavy regulation involving what I do for a living and that was to control. Artists people like me more thoroughly Lauren that and I'm not that I'm not I wasn't objecting to that was called the deal well if you hear department of flavor that's what it means they wanted more rules they wanted more they wanted it to be more strict they didn't they do not want salespeople. Controlling the industry they wanted ethical people now that's one of the things I wasn't really happy about with Donald Trump. No actually see the Wall Street running to win no peace over 25 that's astronomical went back to 1990 knowing inflation's back. And interest rate right brits are coming which is going to cause foreclosures and margin calls in my humble opinion eventually I think we're good for about a three quarter percent. Interest rates on it before things start start to get really tied. Now what's three quarters of a percent of 21 trillion I don't even when it counted out. It's billions and billions of dollars that we're gonna have to pay on our national debt more so the interest on the debt might be our one of our. Largest expenses as a nation so your financial survival is important really have some events involving financial survival coming up. Over the next three months and make sure you. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Create that for all Americans all people here who worked in me displaying instead why not put money winning their own tax deferred and when you're seventy ticket out at a much lower tax rate let's face it it's going to be quite a bit lower and what's not as substantial tax increases under President Obama but they needed more opium made it more of other people's money but other people aren't other people their due to me. Where other people they can print the money. They're gonna take as much as they can from us or they are printed. If they printed who has to pay it back after they spend can spot people who work so it's a confusing system isn't the answer retiree your financial survival depends on the basic aren't the first part of your financial survival is your balance sheet your state balance sheet than your investments than your investment statement so indeed need 800 wanted to he wants it with us at the Burlington marionette. At the Newton merry at the cafe has control of the Tuscan kitchen over the next three months and find out about this have dinner. Moreover brunch with us financial survival it's important for investors it's important isn't it yes of course it is so think about that you have to defend yourself in order to survive just picture yourself on survivor Arlen that this flaming torches there's alligators and snakes that would be your politicians from sergeants and today and this a lot of things that can nitpick your little spiders I don't know who they were pretty we will call people out the financial survival subordinates and it's a let's focus on that for the rest of the here we need an 800 wanted to once it with. Me sit with one of our. Our analysts there's a new office in Newton is off the charts as the consent and for talking slang it's off the charts folks 888800. Quantity one don't miss it got a lot of great things happening in the very near future so it starts with your state balance sheet it starts with your income for life planned it starts with your cash flow and such of their investments and stocks with your investment statement so 888800. -- -- you want to copy of the workbook senior safe money strategies and all of this information inside if it's and it's free and we just had -- thousands of printed I think recently and they were about to pronounce and guess what you get to pounce of now retrieved complementary my vice president Greg Laurie says don't want the word free mr. Kelly you know I know it's complementary but it's also free so let's enjoy it an 888800. Wanted to when we'll be right back. Senior safe money strategies Tripoli 81881. Call today. I'm wealth management associates Kelly and it serves as my name is Logan Strauss a primary cancer many of our clients' Social Security retirement benefits there have been some recent changes in Social Security very. Well where these changes in order to maximize them. Biggest concern client happens towards the taxation of the benefits depending on. The current income levels up to 85% of Social Security benefits can be subject to taxes currently. Individual filers making over 4000. Into college with. We've worked out will be subject to maximum tax benefits the windfall elimination provision. In the government pension offset two most recent changes the windfall elimination provision reduces your personal benefit. We never eliminate your entire depending on the number you you paid into Social Security. And it had substantial earnings over the years he may be able to get around this petition the government pension offset is an opposite on the spouse about. Social Security reduces your spouse's benefit by two thirds of your pension payout is two thirds of your pension payout is greater than Social Security spousal benefit. You will not receive any benefit themselves here. Determining when to elect to receive your benefits it's also very important thing to consider currently full retirement age of 66 or 67 to. Really should start collecting at 62 what you benefit will be reduced likewise the long. Wait let the high. I added that it will be this is called deferred retirement credits that being said every individual should apply for Medicare before the 65 birthday this does not mean. You have to start collecting pets here Kelly financial services we can help judgment making the right decision that would start receiving your benefits and how to best maximize substitute that. To schedule an appointment to sit down with. And discuss with one of our thoughts please call 188880181. Or call locally at 78184930. Sites. Senior safe money strategies Tripoli 81881. Call today. This is still account for those of you wanna protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments then you cash flow give us a caller Kelly financial. Any any any 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication. In and you learn what has happened since the boomers first started their journey on earth and the unique place you might be today if you're over fifty and trying to figure out what path to take. On your retirement turning everybody has been on a path. Its goal line. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Schedules packed we're adding more and more staff to Newton we have to train people we have to do growing and we will fit you in any any any 800. When he hit one get another look at what you're doing before you make a mistake or before you do something that's irreversible. Sit down with our standup yourself can't knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. When he hit one we're going to have. Crunches and we're going to have dinners at the new married not known to sport the Newton office which is off the charts has two kids once I sold 888800. When he didn't want to know that get a copy of senior safe money strategies and get a copy of the workbook 888800. When he went take the national senior retirement test which I developed any any any 800 when he didn't want to find out where you stand when you finished the test you know we understand it's a very it's a test that will cause you to think about what you're actually doing and how you might stack up any any any 800 when he hit one find out what the expense expenses are inside a few portfolio and your investments your -- Your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country when it went and find out if you still want to continue to give a warning that point five. 11 and a half two and a half four and a half percent every month or you want to put that in your pocket or not given out at all. Eight and 8800. Wanted to he wants it wind thus there's no fee for a consultation initially you'll never be billed for sitting with us and for your initial consultation. We're going to create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do investment report for you and we'll show you that -- of your investments and sounds like a big term but it's really the strength of your management we're ensuring that data of your entire portfolio. All mapped out which is how much volatility you have in comparison to the market -- showing the expense ratios -- what you have find out where you're actually spending on fees right now you have investments that are -- any any any any country when he wants it with us in Burlington Braintree more than newest office -- visit with us at the Tuscan kitchen for dinner or -- those so those are packed all lace corset with us at Babson college and they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And -- -- it was based -- successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We will commute there and we welcome to a new office in new and don't be shy Akamai and me just shake hands kind of what we can do for you paid any 1810181. Season. There are homes. Burgers and all. She's. Per person oh. Gee is there. Someone here do you forever. Someone care. That golf at the big game where they they do these days and that came up the mother back. Whatever flag they don't flag you god and and get a instantly go it was me from being good to have together. Those who really related thing so big that came up buying dollar we my. I never before has that got to chosen a bad. It's enough facilities of involvement that. And per person. She's the someone here you are forever. Someone you care. It gave you couldn't. Not only. What the word. But they've mopped the high. Is now find a way of that thing. We had that showed an overlay. That has endured an aide is that might help wall and the disappointment. Work. The relation of all that promoted it in every visit and how it's bad. Would have let us never thought our what do I always look forward looking good in the model. The word. We're person. She's the someone here you are forever. Someone's hair. What if all else is there bad or love about the Indian continent. And led group missed it it is I'm going on but sending out I have seen. It is in our nation social portal for the plight of do it. Those feet mankind. Peace. In evening overall level. Doing Walton gave what we would all these two. We that he has fine. Of the whole thing but today about it. We can visit. All gone but that it barely above where it can anybody where. Someone here you are forever it's someone you care. Home. Personal loan. Jesus. I'm sort of always. It is but they might imagine but phonetic. Who brought it has overall policy of that population. How what the word go to who these in a game or you'll but yeah. Cool and so easily as I'm pleased that we can. You're or the way the way he's built the or whatnot but people of the dog it is without power which he's you'll. May god and they update it but I do what you do and you can quit. Someone here you are forever it's someone you care. All. Personal loan. Jesus. This is the bill Kelley show there's nothing ever false about hope. Keep your family fortune in the family. Call 188881981. Now and speak to bill Kelly. Everybody has been on a path its goal line. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Schedules packed we're adding more and more staff to new and we have to train people we have to do growing and we will fit you in any any any 800. When he hit one get another look at what you're doing before you make a mistake where before you do something that's irreversible. Sit down with our standup yourself kit knowledge visit with us at the Tuscan kitchen and Burlington or perhaps in college near Newton 888800. When he hit one we're going to have crunches and we're going to have dinners at the new married not known to support the Newton office which is off the charts institute's roots I sold 888800. Point 81 you know that get a copy of senior safe money strategies and get a copy of the workbook 888800. When he didn't want to take the national senior retirement test which I developed any any any 800. When he won't find out where you stand. When you finish the test you know we understand it's a very it's a test that won't cause you to think about what you're actually doing and how you might stack up any any any 800 when he hit one find out what the expenses the expenses are inside a few portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country wanted to warn and find out if you still want to continue to give away at that point 511. And a half two and a half four and a half percent every month or you want to put that in your pocket. We're not given out at all any any any 800 wanted to he wants it wind thus there's no fee for a consultation initially you'll never be billed for sitting with us and for your initial consultation. We're going to create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do investment report for you -- we'll show you that alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market chemically showing the expense ratios in what you have find out what you're actually spending on fees right now you have investments that are loaded any any any any country when he he would sit with us in Burlington Braintree -- -- newest office Newton visit with us at the Tuscan kitchen for dinner or -- those so those are packed -- lace corset with us at bats in college and they've welcomed us with open -- it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And college was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important we won't commute there and we welcome to a new office in new and don't be shy command leadership cans kind of what we can do for you paid paid 1810181. Season. Keep your family fortune in the family keep what you have to use what you want and pass along what's left. Are there trillions of dollars in higher rating and individual retirement accounts are going to be too much for Uncle Sam do overlook. Have you done tactical planning do strategically to argue restaurants acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from pearl street in protected from creditors and interloper as new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment for consulting sessions and have all of your questions answered that's 88881881. Keep what you have. Use what you want and pass along what's left. Okay and you signify to the people. Thank you for listening. And. I.