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Bill Kelly Financial 2/18/17

Feb 19, 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 call Billick Tripoli 81881. Or locally at 78184939. Feet. Stay informed. Are you getting pays the door behind me is vital to any investing relationship. One is the ability of your professional and another is availability. There's attitude action. And accountability. And listen to bill Kelly's senior safe money strategies and called the 88818. He wanted to speak to bill. What matters to build Kelly is here and we think you give him straight days. Senior safe money strategies Tripoli 81881. Call today yeah. Yes spotlight to a certain action conference thank you very much. And so and so. Tripoli 81881. Call two days. We would like to come to cap it at Ascot drought that. And lunch there and that would be wonderful thank you about it. 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 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. Tripoli 81881. Call two days. Well for the book on. The overtime strategies today thank you. Tripoli 81881. Called two days. It got look into the radio show over and over it back anywhere card because I am interested in learning. You know may be having you guys you complementary review and I am also that you wouldn't but the material developments in a cute and have a great let it that we get by. Tripoli 81881. Call two days. That's to my country every day and I'm sure you can't let get spot there and I love it. So on and in morning I heard a big event in the twelve I would love to attack and as blood checked weren't taking any secret. And Sunni and I want to thank you Bob. An animation you and me and I'd love Billy Burke. I take can't look I'm glad I. Tripoli 81881. Call two days. Kyle is. 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 the both of us. Would like to attend the brunch thank you. Tripoli 800 in 1981. Call two days. Senior same money strategy. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning senior safe on strapped. Portfolio income projections seniors. Money strapped. Call bill killing at 888800. In 1981. Or locally at 7818493090. Okay. I'm Tony. Coming. Oh. I honestly. It's. Wait. Maybe it. 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. Called today and I. This is still account for those of you wanna protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any NET 801 if you wanna 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. 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 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 tell you it's important for you to know cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to make opposite significant portion of the -- of your retirement cash flow so any any -- 800 when he hit one we're having events at the Tuscan kitchen we're having events -- -- Babson college and we're having events -- 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 will make room for everyone any any -- 800 when he didn't want we just opened the office it's packed. Schedules packed we're adding I'm 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 where before you do something that's irreversible. Sit down with on 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 support the Newton office which is off the charts as the kids were excited so any any any 80181. You know that get a copy of senior safe money strategies and get a copy of the workbook they need me 800 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. 888800. 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 when it went and find out if you still want to continue to give away 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 or 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 -- we'll show you that -- of your investments and sounds like a -- term but it's really the strength of your management we're gonna show -- the -- of your entire portfolio all mapped out which is how much volatility you have in comparison to the market -- showing the expense ratios and 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 -- -- -- -- 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 -- 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 to remind me just shake hands kind of what we can do for you paid me a few 10181. Season. Keep your family fortune in the family she put you have to use what you want and pass along what's left. Are there trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard bureau assets acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate and protected from predators and interloper his new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment or consulting session and have all of your questions answered that's 88881881. Keep what you had to use what you want and pass along what's left. Well we found that we had a record year last year entirely financial services and and to scientists like to thank everybody first of all we're growing to 27 team right now and what we want to focus on the shares financial survival and investments. When you retire and you. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- More thoroughly more in debt and I'm not. I'm not I wasn't objecting to that it 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 to be more strict vision did you know once salespeople controlling the industry they wanted ethical people now that's one of the things I wasn't really happy about with Donald Trump. Naturally you see the Wall Street running to win no peace over 25 that's astronomical whip back to 1990 knowing inflation's back. And interest rate right roots 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. Our percent interest rhetoric before things that start to get really tight now what's three quarters of a percent of 21 trillion I don't you wanna count and now. 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 estimation 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 in the financial survival seminars and find out it's 888800. Point if you want to sit down with us for a 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 recommend no money our premiums on doubled doctors are scarce and everything we told you about it didn't happen but they have an unlimited supply of your money it's called opium OP MC drug OPM stands for. Other people's money you're the other people so they told you when they started the 401K system which came out of the teachers annuity system trying to. Create that for all Americans all people here who worked in me display instead why not put money where you know tax deferred and then 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 for months or bigger print and if they print -- 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 part the first part of your financial survival is your balance sheet your state balance sheet than your investments than your investment statement so any any any 800 wanted to he wants it with us at the Burlington marionette. At the Newton Marian on a picture FAS controller to Tuscan kitchen over the next three months and find out about this have dinner. Wherever brunch with us financial survival it's important for investors it's important isn't Eunice 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 I'm sorry I didn't senators and there's a lot of things that connect your little spiders I don't know who they were pretty we don't call people out but financial survival subordinates and it's a let's focus on that for the rest of the year paid heed and 800 wanted to once it with me so it was one of our. Our analysts' revenue officer Newton is off the charts as the kids and interest talking slang it's off to charge folks 888801. 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 plan it starts with your cash flow and such of their investments in stocks to your investment statement so 888801. If you want to copy of the workbook senior safe money strategies and all of this information inside of it and it's free and we just had 4000 of them printed I think recently and they were about to pronounce and guess what hit to pounce of now and trade complimentary my vice president Greg Laurie says don't like 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. Yes all the lights were turned their backs in conference thanks very much. And so and so. Tripoli 81881. Call two days. We would like to come to cap it at contrast that luncheon there and 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 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 for. Tripoli 81881. Call two days. I really. And piety wealth preservation risk management seminars at 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 a brunch thank you. Tripoli 81881. Call two days. We have the book for you it's called senior safe money strategies. They're busy workbook that goes with the book right now you can get your. 288. Pages long it's almost everything I've written. Over the last 23 years put together so 888801. And anyone get the book senior safe money strategies and ask for the senior safe money strategies workbook volume one and two. So by calling today you have the information immediately. As soon as Alexis on the folks who fulfillment can get them out to you at the items out to you and you can be taking advantage of that knowledge and information and newfound techniques and ideas. On Monday before the market opens up 888801. Anymore and get your copies especially now the senior safe money strategies workbook by more than 2288. Pages and it's in half by eleven so it's huge. Looks like the old dictionary we used to have when I was a kid. Don't forget that it's a something a little bit knew something a little bit different and a way of us getting more information to information is power pitcher work folks ask for. The national senior retirement test it's something else and we offer find out we stand 888800. Wanted to anyone get the Del Mar report find out why investors guessed wrong on almost 75%. Of the times. So they need any. 800 pointed anymore and we've had thousands of people take the national senior retirement test. You'll be able to see where you stack up with those people and get an idea where you stand people generally ask me where north stand and this is one way of knowing generally I tell him you're in good standing because she's standing with may have not that. So no more can the will and trust workbook 888800. Point 88 warned it will help you figure things out and then total wealth transfer which is part of the ten free reports 888800. Wanted to do when there's every kind of idea strategy and technique and I think that's important anyway to you. In that publication. So total wealth transfer the will and trust work for the Del Mar report on investment investor behavior that would be you know the national senior retirement test senior safe money strategies and the senior safe money strategies work folk volume one and 2288. Pages of a new half by eleven it's not a six point nine packed packed with every type of publication I felt might be important to you. 888800. Wanted it on the larger publications are emails only right now and we're gonna print them by probably within a few months I hope. But it's quite a big job to print these large items so 888800. Wanted to anymore and of course in the next ninety days are high net worth summits for those of you have between 505. Million to protect Cummins sit with us Lombardo is in the South Shore. The Tuscan kitchen north and Burlington fantastic venue you'll enjoy it all or any of these there is no cost and the information you will receive I believe it's priceless how do you like that so 888. 891. Sit with us for a dinner during the week and early dinner you've been on your way home by 7888800. Wanted to hit one Tuscan kitchen in Burlington publications. 88880181. The national senior retirement test the will and trust workbook the senior safe money strategies book my original publication and the seniors safe money strategies work books volume one and two don't miss those as well as the ten pack of publications I ask Alexis trying to get these publications do as quickly as we camp because if you get them today you can be putting their knowledge to work through newfound knowledge -- newfound information that's very valuable in these folks in these publications 888800. Point 88 -- I'll be right back. Don't go and keep what you have. Use what you want to and pass along what's left. Are you aggressively working to keep would you happen pass along something to those near and dear to you. Want to thank both looked back using stolen replaced their recent five year look back and replace the original three year look back. Are you worried about the new tax loss well above potential means testing for Social Security Medicare and Medicaid. Call 188881881. Now. And speak to build Kelly yeah. Get bills courtroom schedule review and make an appointment for have a consulting sessions to answer all of your questions today due to dad's 888800. 1881. And. Yeah. Yeah. So. I think the United States is the greatest place in the world to invest we have some shakeups are doing good few bad apples and. You. It is big kid who made it makes that Obama the man faster stronger. Yeah. And cruised duke knowing how you doing today we have a big weeklong think's happening especially in politics but these do seem to run over into a world of finance or interest. Yeah the last five days have been up one point 3%. So beginning of February look at you'd better and yet you are. Right and people are hungry for those games I know and and so long time since you have a steady climb like this. Like 2014. Ernie caveats anything you might see right now is something we need to be aware. Not the Serbian there are quicker gusting and obviously the markets still not you're pretty I would pee your shares dropped one point five so. Put a lot of it has to adopt a tax cuts the potential tax cuts coming up a little bit of through how corporate profits a lot. Australia could justify higher valuations are there good burger successful a lot of people clan especially if there Dick about it place. So the markets of leading economic indicator and of course unemployment a lagging indicator there seems to be inflation on the horizon but I think twenty fives are very IP don't you know. In the past Serb historically has averaged about sixteen since early nineteen hundreds. So once it's pretty I mean this morning and innovation now and a lot of areas like out there bio active. Tech in general sorry but don't justify. Valuations. Are yours is little higher industrial revolution but not the last few hours I had been passed. So we have to be aware of that introduce a lot of research on Asian gentleman I know your audience is aware of that and Andrew put can you tell us a little bit about the moving averages and the sentiment indicator. Set are indicator it so if the market a little bit overbought short term Mimi could see a little bit of local back then moving average. Which is roughly three of 4% below 5834%. Below where. The market trading at announces she hit those three or 4% pullback would be anything out of the ordinary. Historically is here market do that correct. With the market being over Bart trading about moving averages this small back. The sentiment indicator means that when people get over exuberant they sent to back off into. When there's a lot of bargains around people tend to Byron. It matters. How quickly money moving it into the market and out of the market belt may see a large person body of in the market very quickly and consistently. The bat ready to air content. And pasteurized elected. Overly you read you can see a little bit of the sell off. After. And now we're doing a lot of work with a risk tolerance levels and more are you finding when people empirical the perform any new survey to determine their risk tolerance to see a big difference to what they really think the risk tolerance is Andrew. Yet think Garcia got some policy statement it helped a lot about person to help them a lot more so I actually a way. That they understand how much volatility associated with each risks are now. Some parts of moderate portfolio it not a lot of risk. Estimated to have it on the beginning they see Alex volatility and risk does it it may be lesser maybe more than expected and they did just. What kind of portfolio that are willing to accepts. Of course there are going to pick on. So each person deference it kind of locked himself back. Then realizing what our limits are in the you know isn't that. Our limits are less than we think when we're actually going through things on a Sunday night and adapt turbulent markets so I was two down in my room with a new investment policy statement so I think that works well everybody has an idea of what to expect before they set out on the voyage. Very Italian I also believe it helps you understand that if they wanted to take on about half the risk and market and expect all the ups I. Did you also obviously wouldn't expect all the downside eaters you look and broke out volatile portfolio but some people it got more or something or ordered up last. Very driven into your available in Burlington and Braintree sometimes Newton but people consumer review there's no fee there's no fee for the initial consultation. Movement have several pieces of information for each person in a lot of analysis so. Need the 801 anyone I think there's a lot of the different details we can provide folks who we appreciate you coming on the show we'll see you next week into crowd. The yeah. 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 is the worst T word of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies called 88881881. And speak to build what matters to build Kelly he's cute. That's terrific. Senior safe money strategies Tripoli 81881. Call today. Yeah a lot like it at that conference that much it sold so Tripoli 81880. One's called today. We would like to come to cap it at Ascot around that lunch there and that would be 10 thank you. Tripoli 81981. 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 solicitations for me and 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 but I. Tripoli 81881. Call two days. I would. And piety wealth preservation risk management seminars that Babson. I would like to attend a brunch. And took you can email me more information about it to the both of us. But like to attend the branch thank you. Tripoli 81881. Call today. Seniors save money strategies. When some transfers senior safe money strategies. Living trusts seniors think money strapped. Medicaid crisis planting a seed you're saying honey extract. Portfolio income projections seniors save you money strapped. Call bill Kelly 888800. In 1981. Or locally at 78184. Dollars and 3090. Brother turn. There's. This road to. Didn't you Flynn. Are today glued to consume gluten. Just I get back here working out that BAC our. But yet constant feeling. You know what's been happening don't exactly no big deal in this league client ask are you sure I do it. Exactly and I accomplice have. National pretty slow contest and the kids don't but O would still be going down here and bash shell on a hot pursuit basketball somebody several. Where it all airing a show. And it 821. Consecutive sort. When it hit he got it figured out how bad the bad I brought to my reputation I guess bill. Pumps over a city in the best jump shot in the history of basketball. Period no. Including. But that's that's our bet baton and then the next big city cut from the so that that was well with them coached the Celtics in the it would undercut. He's a great attorney down in Newport and he used to just kids altogether in the neighborhood shooting hoops with us but while he was shooting he would be teaching us about students and charity work you love PC obviously right. A lady I got the Providence College now. Great bit guarded but Eric Brittany gave me two great parents. Gave it didn't ask. You got off we have a gagging for and got it went up in college job lady of property college. In our crack nightly this really got burned and probably the best bill and you know what their excellence. Really had an exact. I thought you know it taught me sportsmanship. Teamwork to be here and honesty in everything that let it end the people that work. It on other people had succeeded the people who have a best. I heard those values and thank god this statement we don't shoot and I try to pass code on its Internet still coach Bettis or if you could. I have great ego and you talk until then it's got Pete ball better and edit here this yeah. And I kept doing that you're lacking those same bad knees are not work. Work and honesty integrity. Its ability to build web editor rear not. Don't does not still the most important equities and a lot. Well it's great hearing this from you each week in learning about life I know the audience loves it but I also think we soon learned from the great athletes and the things that create winners seemed to last throughout our lives you know. What keeps things on other people and then. Vermont you know the secret to bring together. But right people go well why don't listen more open minded. Here people that were clearly. This important that was center Providence College reunion don't want my friends came up and he. The situation. I meant billions changing marriage could basketball player and you know basketball at a certain aren't certain that's like guesses might work we'll decide. Assistant coach not to iron artwork with adoption is yet but let judge. Accident but you know I learned from the best side nurture built shop. That's not shoot a basketball and I ended up TJB bear it should see it so we all learn from each other know. Want with it each time it happens we all. That means you work for years equity. Better. Point you're right we've sort of become quite a golfer Vijay it's so we have a trip to Florida saw it as some original lesson with butch Harmon's son was teaching at this club and you could just over there for sixty bucks you know we had a great stroke and AJ used number one and doing the sort took a move to lessen or drop them off for came back and picked him up beneath a Harmon usually there was so excited about his his swing and Harmon wasn't very excited and he said to me well I'd you know all right I can't give them any moral lessons illness when you come back next journey to know he's played at least two more sports because if he doesn't he's gonna get focused on golf and if something ever happens with his golf game and you'll be devastated and so I want to learn to more sports and. Here Luke goal and objective but so are we keep that spirit animal equipment to bought that he's gonna go to school a book that many that got beat up in the air. So big parties and become the president of the United States and she and that's my that's my objective but I do work even better. It had quite an outlet thought it is all equipment and like it happened near well not escaped what do you think the best. Or think it's great advice but I'll see if he's up to it but impressive for him but he couldn't have a betterment through the new invest some of the guys that work was saying Jesus there. We do ambassador for India or if we called the we need some personal advice mr. Kelly and I said well I think that'd be okay and. UConn part yet I spoke out. Here couple weeks ago another president of the university. Is very well this in part motivational speaking at that lack you know it happened. This subject matter talk about making people don't. Out of so that but you can be anything you want equity if you want to work they're not our mission the masses actually. Those are great words and I hope that you work outs are proceeding well I hope you don't get your rest recoveries important right. Yeah I'm not. Trying to resolve and then I work out what it but it I check Osaka. And it at least while I'm still up to that. Do we know support that brain's doing Corey their retirement CME looks better he's more handsome men. Mrs. Flinn we send our love out to mrs. Clinton also. God is pretty get this pretty. What book yes. There you go thanks for being with us again god bless America could kick your your. 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. This is still account for those of you wanna protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any PT 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 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 get another look at what you're doing before you make a mistake where before you do something that's the year reversible sit down with on standup yourself can't knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. When he hit when we're going to have crunches and we're going to have dinners at the new married gotten around to support the Newton office which is off the charts institute's roots -- -- 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 didn't want to take the national senior retirement test which I developed 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 he might stack up. Any any any 800 when he hit point find out what the expense expenses are. Inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country wanted to warn and fine and if you still want to continue to give away at that point five. 11 and half two and a half four and a half percent every month or you want to put that in your pocket or not giving 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 alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market and we're going to show you the expense ratios and what you have find out 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 Newton visit with us at the Tuscan kitchen for dinner or -- to us so those are packed always or -- 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 kimono and me just shake hands kind of what we can do for you paid any 18100 when it came one season. Are you getting pays over five days bundle to any investing relationship. One is the ability of your professional. Another is availability. There's attitude and action and accountability. Listen to bill Kelley senior safe money strategies and called the 8881880. Wanted to speak to bill. What matters to build Kelly if you. We think you'll give him straight days. This is bill Kelly we're back with financial survival strategies right now which is a series of events we're going to be holding over the over the next three months in Newton Burlington and also in Braintree a community. 801 dated one there's a PE ratio that is the price of the stock compared compared to its earnings and for trying to survive in the market you need to know what to PE ratios are and right now we use a Shiller adjusted PE ratio you know which is in just adjusted for inflation to even it up and right now that's 29 point 14 that's high. It was fifteen. 87 or eight years ago parent before that you'd crash in. Only eight it was about 22 to think about that right before the market bust it was incredibly but black Tuesday 1929. It was exactly thirty at the Schiller PU so we have a high price to earnings ratio that means people are willing to pay more money for stocks and stock prices are appreciating ahead of earnings so there's a survival tactic how to deal with tennis but you can that your risk tolerance stunned. UNH survey takes about fifteen minutes and you find that is my risk tolerance. Mirror what's happening in my account of what. Type of risk I'm undertaking we have six different. Investor profiles in our offices for any of you interest and and you risk tolerance serving that we've developed over twenty years so. The astounding fact is people who do this. You can do this little exercise. Generally find they're exposed to more risk in the pink and sometimes they wrote. People wonder why some of them portfolio going up the same as the market news because if that happens you correlated exactly which means you're going to go down as much as the market goes down so you know what I try to do what we try to do is get some creativity and things positions to some great save money positions and then let's get some great. Stocks and bonds in a portfolio to rounded out so right now the he is a little high price earnings is a little rich and you're saying yourself oh here's Kelly spouting off about it PP I'm driving in the car community you know people getting ready for the in the spring planting get him involved sorority. Maybe burning some fertilizer can learn from march. Tuning up the lawnmower. And he's spouting off about peace. 401K I have a small portfolio maybe at fidelity and Kelly's trying to talk about these technical terms like. A brick and mortar pick and shovel don't really stimulate the economy haven't army continued basis because they drive on debt to infrastructure that's going to be financed in a novel way it's also. Extremely attractive however if the market doesn't catch up if the price if the turning stone co op and the prices continue to grow. On the news and stocks potentially ruin have a bubble. There's room. Exactly equal to play Tuesday right now as far as the shorter suggested PE ratio of the market. We have the most national debt as a percentage of GDP we've ever had refer them we have the largest unemployed and workforce in America and I say workforce people who want to work but can't or don't aren't able to find John and we have a tremendous debt service and margins at all time high levels fruit stand consumption is at near all time high levels so we have some some things you have to watch out now when you do your risk reward scatter plot. Let us when you do you learn. Risk tolerance servant you're gonna find out we understand and you can look at six different investor profiles find out which one matches you're risk reward a scatter plot in which one matches your risk tolerance and just thought you know black and white we understand and you know and blackened morning. When you should stand so this is all part of a financial survival. And investing in strategies so he'd he'd gained 800 wanted to you want if you want to have the risk tolerance if you want to have an investor profile if you want to have your statements analyzed I think it's a great idea to do this it's complementary. Now Greg Laurie my vice president tells me don't send free mr. Kelly some cheaper as it happens to be free and it's a great deal so he needed 800 wanted to at one weirdness. Any strategy start. Readers financial survival start by preserving what you have and that means expenses. So we have a balance sheet we have the cash flow of these state balance sheet and then we have assets and then you have the definition of the assets by he was called your statements within these statements that we see we look forward. Unexposed expenses which threaten financial survival if you or undocumented expenses and his views important documents in front and revealed expenses hidden fees some people call them if you can't determine what they are then you don't know how much it's affecting your return so you don't wanna pay for an -- percent in hidden fees and have a 3% return for the year because you paid more in fees than you've earned with your money that's not risking for profit that's sort of foolish to you have to be careful of fees you statement as you for the fourth item most important item in your financial survival plan any any any. 800 or needed more and have someone do this all for you devise a path for you know which will allow you to know where you stand with benchmarks and milestones in black and running and full color and have that done for you and then see where you stand sit down with us see resent any any any an 800 point that it won't have a offense we just wrapped up Babson College we've got to. Newt Marion we've got the Tuscan kitchen we have the cafe basket drill basically if you like Italian food. You go like Arafat's house that went to collecting the morning for Italian I think that's the part of me the most he's doing food so don't be shocked if you're a client to have Kelly financial I don't wanna hear that part owner Tom Arnold about it you know instrument the events are for clients to do so any data any 800 when he won if you come in you're not a client you can. Meet some of our clients if you. If they choose to let you know there are clients we don't ask them to do that we invite our clients to our events because we think when we love to see the who's seen you so they needed in 801 anyone can your financial survival kit and find out what that it can do for you can't get this collection of data prepared for you and find out what a PE of Tony nine means no Tony nine point 14 Schiller. PE on black Tuesday was thirty. It's a little bit history might not repeat itself but sometimes it rhymes and remember the Everest affect the mistakes are made on the descent. Most of the deaths occurred the highest percentage of deaths occur on Mount Everest after the person has reached the summit because they feel they've made their goal. But the goal shouldn't be to go up to the summit of Mount Everest there should be do go up the summit of Mount Everest and return to the base camp wouldn't you agree so any any any 800 wanted to anyone find out what this can mean to you today's financial survival strategy and get any risk tolerance test if the kid at the ten tax the publications. Since and have a meal with us comfortable in her presence and presentations enjoy it paid any any any country wanted to win we'll be right back. Seniors save money strategy. Well some transfers senior safe money strategies. Living trust seniors save money strapped. Medicaid crisis planning senior saint content strategy. Portfolio income projections seniors money strapped. Call bill killing at 888800. In 1981. Or locally at 7818493090. I. Senior safe money strategies Tripoli 81881. Call two days. 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 Ascot drought that luncheon there that would be one. 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 that he could make reservations for me and let me know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen. Thank you. Tripoli 81881. Call two days. Look for the book blind. The overtime strategies today thank you. Tripoli 81881. Call two days yeah. Did Doug Douglas into the radio show over and over the little duck anyway out card because I am interested in learning. You know may be having you guys you complementary review and I am also interest the then but the material developments and thank you and have a great that we get by. Tripoli 81881. Call two days. The laconic country every day and I'm sure you can't let get spot there and I'm glad you're. So on and in morning I heard an event in the trial I would love to and I'd love to want to edit and create. Andy Andy and I want to thank you Bob. An animation you sent me and I love Billy Burke I take can't and god bless and 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 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 and your cash flow give us a caller Kelly financial. Any PA 800 when he did one 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 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 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 -- knowledge visit with us at the Tuscan kitchen in Burlington or Babson College near Newton 888800. When he hit when we're going you have crunches and we're going to have dinners at the new married not known to support the Newton office which is off the charts as the kids were excited so any any any 800 when he didn't want it known 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 tennis which I developed any any any 800. When he warned 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 didn't want to 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. When it 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 to put that in your pocket or 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 gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do Balanchine 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 you 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 and Burlington Braintree -- the newest office Newton visit with us at the Tuscan kitchen for dinner or punched us so those are packed always or sit with us at bats in college and they've welcomed us with open arms it's a fantastic. Experience and perhaps in the home of American entrepreneurship. And 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 at noon and don't be shy Akamai and meet a shake hands kind of what we can do for you paid me a few 10181. 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 higher rating and individual retirement account going to be too much for Uncle Sam do overlook. Have you done tactical planning do strategically to argue restaurants acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from creditors and interloper his new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly yeah. 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. It's Saturday morning what's most important to you about your retirement years. Tried senior safe money strategies with bill Kelley on six AB WRK go. Call bill at triple blade 81881. Or locally at 78184939. Feet. Stay informed. OK then you say goodbye to the people. And thank you loosening. Bolts 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 there were five bogeys vital to any investing relationship. One he has the ability of your professional and another is availability. There's attitude action. And accountability. And listened to bill Kelly's senior safe money strategies and called 88818. He wanted to speak to bill. What matters to build Kelly is you and we think you're giving them straight days. Senior safe money strategies Tripoli 81881. Called today. Yes spotlight to attend your action conference thank you very much. And so and so. Tripoli 800 in 1981. Call two days. We would like to come to cap it at scan around that. And the tension there and that would be wonderful thank you about it. 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 reservation for me and let me know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen. Thank you. Tripoli 81881. Call two days. I really. 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 brunch thank you. Tripoli 81881. Call two days. Seniors save money strapped us wealth transfer senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning senior save money strapped. Portfolio income projections seniors. Money strapped. Call bill Kelli at 8881981. Or locally at 7818493090. Okay. Coming up. Okay. Week it's hard. Maybe it. 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 yeah. This is still account for those of you wanna protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any NET 800 when he didn't wanna 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 new and we have to train people we have to do growing and we will fit you win 888800. When he hit one get another look at what you're doing before you make a mistake where before you do something that's the year reversible sit down with on standup yourself can't knowledge visit with us at the Tuscan kitchen in Burlington or Babson College near Newton 888800. When he hit one we're going you have crunches and we're going to have dinners at the new -- -- -- to support the Newton office which is off the charts institute's roots iso 888800. When he didn't want to you know 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 -- 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 will cause you to think about what you're actually doing and how you might stack up. Any pain any 800 when he didn't want to 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 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 given out at all. Any any any 800 wanted to he wants it with 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 alpha of your investments and sounds like a big term but it's really the strength of your management we're gonna show you the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market and we're going to show you the expense ratios and what you have find out what you're actually spending on fees right now you have investments that are loaded any any any any country. When he wants it with us and Burlington Braintree more than newest office Newton visit with us at the Tuscan kitchen for dinner or -- those so those are packed always or similar to us at Babson college and they've welcomed us with open arms it's a fantastic. Experience and perhaps in the home of American. Entrepreneurship. And account was formed it was based on successful American businesses and the courage that it takes to venture out so don't forget these events ladies and gentlemen they're very important. We won't commute there and we welcome to a new office in new don't be shy command meeting shake hands kind of what we can do for you paid me a few hundred winning game one season. Keep your family fortune in the family teen what you have use what you want and pass along what's left. Are there trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard your assets acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from predators and interloper his new legislation is here now. Do not delay take decisive action T pure 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. It is that you do many things that Omaha man faster stronger. Yeah he's stronger and drew crowds and. Super pleased Germany Andrew crowds here this week you can Landry doing a great job as far as I'm concerned a I'm biased but I think you're you're doing a fantastic job and what do you think of the week. Everything is a young guy that's really busy at the office a lot of it meetings moderate. It has people come and. Doing Asia generally and across from saint Francis university in Laura though Pennsylvania. These center of coal country Catholic university Andrew here's our chief investment officer. And I believe there's about 230. Million dollars out here helping to manage through some great researcher Andrew. Royal lot everything you do lots dig it starts a year of the purse month and a half or so markets well this week jump up Thursday or Friday. And now the trump tax cuts serves becoming a reality and I think congress and a cern press people have pushed him on these tax cuts. And I guess they're gonna becoming reality very shortly right handers. Think that's to be huge huge growth especially the stock market because this corporate tax cuts no people lied about corporate greed now. I understand it's reality it ought to case but. There tax cuts could actually boost profits results translate to higher Irish stock market and that's gonna help you know. Every person does market. Bryant more jobs the best political platform on earth is a job a good thing John minutes or. World's greatest social programs to I think a great job with a lot of self esteem could pay. Give yourself a great feeling every Friday when you have that money deposited into your checking account somewhere in Providence. Raise your family pay tuition spy medicine things that we do an American and have some fun with a two right hander. We get to seek. Or obsolete illustrations are saying you asked. Sure now we turned some great events and perhaps and I know some people remarked about your talk of apps and the last week Andrew and we appreciate down great crowds. There's a lot of people. That's all the people that we that was so far out early that her office I'd come and still. I have been great all nice people and if you work now. And so Newton any data any 800 wanted to want I know people have been waiting for years for Newton we were. I don't wanna say were caught off guard but we've been pleasantly overwhelmed with our schedules packed back to back in Newton. We're adding more people were having more space and more technology as we go. 888800. When he won if you wanna join us at the Newton marrying out next month or if you wanna join us at the Tuscan kitchen ladies and gentlemen for either brunch or dinner at an event hander I know we're breaking it down into four or five maybe six portfolios right now investment policy statements can you give us an idea of let's say your classifications. And it's. What people might expect to find in the most portfolios. We have launched supermodel or boys being very conservative. All the wet suit very aggressive and usually we go through a decline explain. Volatility associated. Each one of them. Sherman also like how much also noted that the capture manage it we do our best to avoid volatility but make sure they know. Oh proper risks themselves out or what risks right upper their ages are what they tried out their portfolio. Turf which models going to be stopped that. What might be contained in let's say the middle of the road model what might it be called in what might but you fester finding them model. Save. Obviously that's been hit counter product area so but our little. 50% oxygen that's it by some editors the last and moderate members less risk than moderate. Mainly at retirees. Or. Higher so it's our risk tolerance as a higher air idle hour. North into a crowd if you wanna sit within grievous it was a very brilliant young man I hate hate hate. 801 if you wanna join us at America Newton or join us at the Tuscan kitchen from brunch or dinner. And duke are you domestic foreign do you like domestic foreign like large cap small cap mid cap the way in my view because I think people and that moderate portfolio. More focused on domestic right now mainly because trumps US centric ideology. And second I think corporate tax cuts that they do a broader market rally Ellen how any areas that beat small cap it cap or large cap. But large got your it'll less volatility in small. Companies more developed by Asians are gonna change much but Eddie. Those areas be good at it broader market rout. Can return into crowd what are your plans for the weekend an opportunity to some relaxing time in asks. Very good Anders thanks for being with us this week everyone's excited 888800. Warning he wants it with Sandra standup yourself as it would us for brunch or dinner at the Tuscan kitchen. New Marion and join and doing our new. Newton offices or join me here to. The need is he's under one anyone thank you very much and up. Senior safe money strategies Tripoli 81881. Called today. Yes spotlight to a certain action conference thank you 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 and that would be wonderful thank you I'm back. 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 solicitations for me and let you know I would appreciate that thank you look at and it and I would like to make solicitations for the Tuscan kitchen thank you but I. Tripoli 81881. Call two days. Pilot. And piety wealth preservation risk management seminars that apps and I would like to attend a brunch. Events that you can email me more information about it to the both of us. Would like to attend the branch banking. Tripoli 81881. Call two days. We have the book for you it's called senior safe money strategies. There is a workbook that goes with the book right now you can get near the copy of the book and we can't give you a hard copy so if you call Alexis and Sam I don't have an emailed to you can't have before folks because they're 288. Pages long it's almost everything I've written. Over the last 23 years put together so 888801. Anymore and get the book senior safe money strategies and ask for the senior safe money strategies workbook volume one and two. So by calling today you have the information immediately. As soon as Alexis are the folks who fulfillment can get them out to you at the items out to you and you can be taking advantage of that knowledge and information and newfound techniques and ideas. On Monday before the market opens up 888801. Anymore and get your copies especially now the senior safe money strategies work folk by more than two. 288. Pages and it's even half by eleven such huge. Looks like the old dictionary re used to have a secure. Don't forget that it's a something a little bit knew something a little bit different and a way of us getting more information to information is power pitcher work folks. Ask for. The national senior retirement test it's something else that we offer find out we stand 888800. When he did one get the Del Mar report find out why investors guessed wrong on almost 75%. Of the times. So paid heed any. 800 when he didn't want we've had thousands of people take the national senior retirement test you'll be able to see where you stack up with those people can get an idea where you stand people generally ask me where we stand and this is one way of knowing generally I tell him you're in good standing because she's standing with me having like that. So no more get the will and trust workbook 888800. Point 88 warned it will help you figure things out and then total wealth transfer which is part of the ten free reports 888800. Wanted to anyone there's every kind of idea strategy and technique I think that's important anyway to you. In that publication. So total wealth transfer the will and trust workbook the Del Mar report on investment investor behavior that would be you know the national senior retirement test senior safe money strategies and the senior safe money strategies or folk following morning to 288. Pages of a new half by eleven it's not a six point nine packed packed with every type of publication I felt might be important to you 888800. Pointed it went to a larger publications are emails only right now and even print them by probably within a few months I hope. But it's quite a big job to print these large items so 888800. Wanted to you warned of course in the next ninety days are high net worth summits. For those of you have between 505. Million to protect tenants it was us Lombardo is in the South Shore. The Tuscan kitchen north and Burlington fantastic venue you'll enjoy it all or any of these did is no cost and the information you will receive I believe it's priceless how do you like that so 888. 800 morning did once sit with us for a dinner during the week and early dinner you'll be on your way home by 7888821. Tuscan kitchen in Burlington publications. 888801. Native won the national senior retirement test the will and trust. Workbook the senior safe money strategies book my original publication and the seniors safe money strategies work books of volume one and two. Don't miss those as well lasted ten packer publications ask Alexis trying to get these publications do as quickly as we camp because if you get them today you can be putting their knowledge to worked a newfound knowledge the newfound information that's very valuable in these folks in these publications 888800. Wanted it on I'll be right back. Took gold who keep what you have. Use what you want to and pass along what's left. Are you aggressively working to keep would you happen pass along something to those near and dear to you. Want to thank both look back isn't sort of replaced their recent five year look back and replace the original three year look back. Are you worried about the new tax loss well above potential means testing for Social Security Medicare and Medicaid. Call 188881881. Now and speak to build Kelly yeah. Get bills courtroom schedule review will make an appointment for have a consulting sessions to answer all of your questions today and that's 888800. 1881. I. I think the United States is the greatest place in the world to invest we have some changes are doing the few bad apples. You just read it. Power and how are you doing to them. It you know career he's doing well we have a lot of activity in. Things aren't especially the Newton office and be noticed. And this is violence Kelly Kelly for those of you wondering if this went woman is on my show today and I'm happy Valentine's Day coming up to you honey. I kept. Utley does seem like it was just yesterday. It ballot at stake out at sixty. The nor'easter was like yesterday to the years go by quickly don't think our hands somebody talking in the background to think that could let us have a break here for a few methods. And when it hit the adult. Didn't William pitched tonight to the united sooner. Like portraying them and hand. Out there. June yet and I state. Nobody has learned workarounds are doing the footwork. Now given her time not. I. Yeah yeah. And a and I. Think it is interesting. On the farm I would throw a tennis ball onto these stairs and throw that's Howard learned attention on Vista security and then. I hit fly balls to myself that sounds crazy but I could hit in my community. Dropped the bat put the glove on and a bone cancer and there was hardly learn. You know out to get via. Yeah I was pretty unified you know gone. At least not play and that all add up. Secretary adopting it but I'll. Do them they compete and masseuse decent. Step up. And we couldn't come out. I know you. Can't get to the moon be out. There. He couldn't possibly go into an event like I know if it would be chaos and thousands won't be. Yeah. And moose yeah. They yeah. Air. I can't make it I think air and he got. A lot at stake stopped. For those who either don't know my son is playing baseball in the Dominican our son sentenced ten maybe eleven next week that's an amazing little adventure which we fell into last summer Williams going to school down there. With his mark as a mom we have little residence there aren't Williams seems to be doing okay and the ball parks and he's got a great school Abraham Lincoln it's only studying on what do you mean. 900 and then moved on to ignore. It. Eat. Into June. Mr. chain and so beach. 88. Get a yeah. I yet how it. He's community. Opinion in talking about senator I know in America can talk. I. I got to. Get there. Six and say oh my goodness what can you put him on the phone person. He can't. And why can't. He can't be area for. A it. We put him on the linemen momentum. And I was discriminate abundant element mood reassure them that thanked students for whom the resume to them damn. Snoops and so we go through music and in the hearing room only you can only do I. Six innings on William and I yeah. Well good six days and movement and that's who's a year hands of American schools in the two we was gonna take a long time for either a two point incident and their long wooing him. Hi out. At me I have bad acting work 888. Years. I never have. My teacher had helped the interest marched. When you die and I. Abraham Lincoln school is a great school I'll agree with it's certainly it was like they built it for you William. It's like nukes and that's the preschool it's perfect for when Caroline and restrict a very nice and carrying and then pop them in the middle of the Dominican Republic and then you're going him right. So what's the secret what was your secret decisions this term this quarter. The it's such high network addiction and. Most working out and you baseballs coming along we're only down loose from our own this week to see you and celebrate Valentine's Damon your birthday has sent. OK very good and glad to talk we talk to mom and Laviolette talked to suit. To. OK what's a good way when the call we're parent Newton is off the hook we yeah. We have to put more people in there we have to expand the offices we are packed schedules packed it's only been one month for television takes almost a year or two what did you think. And etiquette about who didn't you are solid Obama. And people in late. Well the folks in new not gonna say if you listening more for you aren't fantastic people they're very thoughtful to different type of investor different mindset very young pro active and very thoughtful so. We thank them thank you for coming on cal you know on your right. Good and to whom see you soon Nancy and so on their own. The Cubans who knew them. Discover five keywords bundled for your retirement years the first is time the second is trust. Texas is a keyword technology has impact. Terrorism is the worst team ward of the mall. Are you dealing with the five tees. Dear bill Kelley senior safe money strategies call 88881881. And speak to build what matters to bill Kelly. Q that's terrific. Senior safe money strategies Tripoli 81881. Call today. Yes all the lights were turned their backs in conference thanks very much of that and so and so. Tripoli 81881. Call two days. We would like to come to cap it at Skid Row that. And luncheons and parent 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 he 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 81881. Call two days. I really. 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 him. Tripoli 81881. Call today. Senior same money strategies. Wealth transfers senior safe money strategies. Living trusts seniors save money strapped Medicaid crisis planning seed you're saying I'm strapped. Portfolio income projections seniors save money strapped. Call bill Kelly exceeding 31981. Or locally at 7818493090. For a return. There's. This road to. Ambassador Flynn. Yeah it's we're gonna need all of your Serbian all of your wisdom and that then. Every single inch and pound announces that it how are you today. Until I go up up up picture so yeah. Big city got. And you know it up until I got stacks and stacks of important papers and photographs. Everything that could be it cannot cut some of trying to go for the I'm looking at picture and you know O'Connell record of myself. You know he's just sent people Pope John Paul the second of the trees. Are all these people that at all. I lifetime. I just don't know what to do look up and Belichick put all of the book they'd be a couple of books. Elect politics a lot of people out of work at. Europe politics now here's the my wife are great and myself that pretty well in question but what that gives up and we elect Barack a lot of the 08 bill. Check out. And adding yeah picture of what textbook what's that bat as doctorate degrees out there and shot despite. Cute secretary the president trump can tune in it built but he's pulling it great conservative writer. Moods oh record might. There's public GM. Look at all pictures. Release of all predicted peak of that cut pushed out to people metal girder. Here's a bill that I could get to go outside today at its focus on this side to go. I know we've had the president was sort of admonished by the courts last week on Thursday did you ever have an experience like tennis may hurt during those. Turbulent times maybe when the courts decided to pure view sort of not a rebuke put. At a remote it's cub period. Anybody ever experienced a year coworker the top but in charge card. I would still say look we got addictions out book tour bus. Colonel George Cain that was the most last week being. Desegregation. In brown vs board of education to peek into this and I learned this whole thing. Going back in 1964. In the book and saw it go for Eric Schmidt called managed. To order desegregation. That would down at Washington DC. I said in on the supreme court of the united a book about busing. Also want you abortion decision. Ought that. I trust enacted in Massachusetts with Charlie. Looks like they'll. So don't let it experience that's a great question it's like you're probably too much. Editors goats like you were up there you know what I hear about Q. You're probably. Not. Knowledgeable you're happy you're anybody in the financial. And an outlet like they keep doing well. You're school you're educated you're preparing other kids other people. Trick or you may god they've become the Ellis at practice. And that's carry out here. But you know what bill when you go. All bad experience. In Albrecht college. Coach Richard. Question you're people arc that. Jack up actually what got trapped like. I got out of the light right now. What did you think skip from. Debt debt and make double hop. Debt. That's. That good but it's not great at what he's doing he's doing the best each. Get it out. Get rid experience. At the political trap it or after the media the to do to deal with Google articulate but I was so welcome. A point up the issue I was goat got. So what Donald Trump that's going now I. Echoed some pretty politicians'. Books that Coke or restrict. Expelled by the way I could model Beckett. I thank thank. You know our blog wicket at we are all part of what this bill bill looks at all. And that what we are happy experience you know used to it because it may not gonna help you when traps. When the court. Public opinion is coming back. You have to have the experience. Yet it can't be beat is being. I go. So books and street lights it stinks you know there's trouble up Eric you have the noted that at street. What Dell streak ought to trouble some top let's walk around some people say well at that point. The problem you know what's it like it is according well. And I loved to the problem a crisis injecting. And I wish of the great great. At comic what it gets larger and go. He can't tell at what all the tried and have it go out to a he's got to be. You can wreck but at people that could help him tremendously. But that's not it works typically wants to bring in their own people. In. College option could yield would look at. People like. Well what about. Not doing this and vigilance nobody. Workflow. Foundation. Of our operations can't we get it shall Cox is going to create. You elect a worker got Toppert credit card quite. And they can stay for one more segment short yeah. Used to. 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 do Kelly. 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 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. It's called life. Where you've -- 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 is history tomorrow is -- ministry but look tomorrow can be a projected calculated and actually maybe -- more of a certainty if you have the proper information and you have the proper tools so any any any any country what he wants it with us I tell you it's important for you to know cash flow becomes the most important thing to you when you retire especially if you're depending on your investments to make opposite significant portion of the -- of your 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 and several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays remarkable -- opening -- we have a new office in -- it's -- we will make room for you we'll make room for everyone any any -- 800 when he didn't want we just -- the office it's -- 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 paying 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 kept 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 Marion not known to support the Newton office which is off the charts institute's roots -- -- 888800. Point 881 afternoon 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 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 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 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 wanna put that in your pocket or not give it out at all. Any any any 800 wanted to he wants it with 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 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 data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market and we're going to show you the expense ratios and what you have find out what you're actually spending on fees right now you have investments that are loaded any any any any country when he wants it with us in Burlington Braintree more than newest office Newton visit with us at the Tuscan kitchen for dinner or. Are throwing stones so those are packed always or similar thus advancing college and they've welcomed us with open arms 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 me to shake hands kind of what we can do for you paid me a few 10181. Season. Are you getting k.'s mirror behind me is vital to any investing relationship. One is the ability of your professional. Another is availability. There's attitude action and accountability. Listen to Bill Keller senior safe money strategies and called 8881880. Wanted to speak to bill. What matters to build Kelly is you know we think you'll give him straight days. What's that thing. It's. Friend and guy feel welcome to show. And we've been pretty good I know you're very busy and don't Newton the new office in new news packed and I know you end to end there as well as soon to Lisa Marcum Burlington so ladies and gentlemen turned out he works with fixed investments and feminism. Graduate of saint Francis university in Colorado Pennsylvania and an investment advisor representative and vice president and Kelly financial and that's a mouthful welcome Brandon. Thank you so much trapped in the Serb. We have some new things happening we have the new investment policy statements for investors in the new risk tolerance. To reflect the bull market now is echoing with this new clients and the prospects. It's a great perspective so that when they look at it they get an understanding what type of investments are out there because our goal is to find the investment that's right. Pretty individual ever person's different so really define what meet their personal goals and that's the biggest thing that we stresses really finding what is best. Or view on a personal level and that's where they cater great outline of everything. So you know exactly what type of investments or. Well we have several selections could you name some of the groupings that we have right now. We have a moderate portfolio we have some aggressive portfolio we have. Very conservative portfolio up. Bond portfolio. Bill very and we have different investments in each but it really all about finding what is best for you and typically. A lot of people on to the moderate to conservative profile because when he get closer to retirement. It's about. Meeting your goals and managing your expectations. You don't want a lot numbers in your portfolio. Turn turn nine to a great Taki spoken out some twice last week 888800. Wanted to warn whoever wants to attend our next event will be a brunch or dinner at the U Tuscan kitchen in Burlington or the Marriott Newton. And Brandon will be speaking about the Everest effect without giving it away printed could you let us know a little bit about the universe defect. Yeah adverse affect everyone thinks about climbing the mountain even make it to the top but then you realize there's 29000. Feet up and agility that. Snowy cold mountain and have the plans that. A lot like retirement where you reach your goals and you aren't working anymore you have to protect if so I and they on the past. And most of the fatalities happen on which part of the you know climb Clinton. After you reach the top people relax and they've accomplished they're goals but didn't they don't realize they have to make it back down. In turn could and we're doing well. In Burlington but Newton was kind of served huge surprise I don't wanna say I was shocked but we're more than pleasantly surprised. Excellent individuals out there and really having now so that we can help the many people's possible. And there's a little difference and I think the Newton people seem to be very high net worth very thoughtful budget. And they really want more information they wanna be informed and I think Quayle to give them that data don't you know. Oh absolutely it's all about educating. Our individuals are clients and making sure they get the best quality that they can. So they need any in 201 entity once it was Brandon or visit with us at one of our offense. But the Newton mayor announced the Tuscan kitchen or Babson College. He's any any 801 anyone get a copy from book senior safe money strategies workbook. Look at over six investment profile statements investor profile statements find out where you fit and also find out if you paying exorbitant fees. Wrapped in deer county you don't realize. It's very important and doesn't take away your profits ladies and gentlemen. And friend and I hope you have a nice restful weekend and you've been busy all week and thanks for spending time with us on the show today. Thank you much here that you to convince well. My announced. Could that. Seniors save money extracting. Wealth transfer senior safe money strategies. Living trust seniors save money strapped. Medicaid crisis planning senior saint under stress. Portfolio income projections seniors money strapped. Call bill killing at 88881981. Or locally at 781 at 840 dollars and 3090. And yeah. Senior safe money strategies Tripoli 81881. Call two days yeah. Yeah at all like to attend that conference thank you very much. And so and so. Tripoli 81881. Call two days. We would like to come to cap it at Skid Row 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 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 by. Tripoli 81881. Call two days. I really. 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 for the both of us. Would like to attend the branch banking. Tripoli 81881. Call two days. This is still account for those who 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 801 if you 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 its goal line. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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 where before you do something that's irreversible. Sit down with a standup yourself kit knowledge visit with us at the Tuscan kitchen and Burlington or Babson College near Newton 888800. Point hit one we're going you have crunches and we're going to have dinners at the new Marion not known 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 88880181. Take the national senior retirement test which I developed any any any 800. 181 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 any country when it went and find out if you still want to continue to give away at that point five. 11 and a half two and a half four and a half percent every month or you want to put them in your pocket or not 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. We're going to do balance sheet for you. We're gonna do an investment report for -- then we'll show -- that -- of your investments and sounds like a -- term but it's really the strength of your management we're gonna show -- the -- of your entire portfolio all mapped out which is how much volatility you have in comparison to the market -- showing the expense ratios and 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 kitchen for dinner or -- those so those are -- always or sit with -- at -- in 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 -- 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 me to shake hands kind of what we can do for you paid any 18100 when he did one season. Keep your family fortune in the family she which you have. Use what you want and pass along what's left. Are there trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard bureau six acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from creditors and interloper his. New legislation is here now do not delay take decisive action to keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly. Schedule a review an appointment for a consulting session and have all of your questions answered. That's 88881881. Keep what you have to use what you want and pass along what's left. I'm bill Kelly speaking your next function call 888801881. Today. Bill is available to address your group business or organization on any of the topics discussed during a show he's a featured motivational speaker before retirement club's business organizations conferences seminars as well as sales meetings in groups in need of vibrant approaches and new ideas. Call 888801881. To arrange for a bill Kelly to speak before your group. We have the book for you it's called senior safe money strategies. There is a workbook that goes with the book right now you can get your. 288. Pages long it's almost everything I've threatened. Over the last 23 years put together so 888801. Anymore and get the book senior safe money strategies and pass for the senior safe. Money strategies workbook volume one and two. So by calling today you have the information immediately. As soon as Alexis on the folks who fulfillment can get them out to you at the items out to you and you can be taking advantage of that knowledge and information and newfound techniques and ideas. On Monday before the market opens so pay pay 801. Anymore and get your copies especially now the senior safe money strategies work folk following morning to 288. Pages and it's even half by eleven so it's huge. Looks like the old dictionary we used to have an unsecured. Don't forget that it's a something a little bit knew something a little bit different and whoever is doing more information to information is power. Catcher work folks ask for. The national senior retirement test it's something else and we offer find out where you stand 888800. When he did one get the Del Mar report find out why investors guessed wrong on almost 75%. Of the times. So paid heed any. 800 when it anymore and we've had thousands of people take the national senior retirement test. You'll be able to see where you stack up with those people can get an idea we stand people generally ask me where we stand and this is one way of knowing generally I. I tell him you're in good standing because she's standing with may have knocked out. So no more can the will and trust workbook 888800. Point 88 point it will help you figure things out and then total wealth transfer which is part of the ten free reports 888800. Wanted to anyone there's every kind of idea strategy and technique and I think that's important anyone to view. In that publication. So total wealth transfer the will and trust more thought the Del Mar report on investment investor behavior that would be you know the national senior retirement test senior safe money strategies and the senior safe money strategies were poked volume one and 2288. Pages that they now have my eleventh it's not a six point nine packed packed with every type of publication I thought might be important to you. 888800. Wanted it on the larger publications are emails only right now and we're gonna print them by probably within a few months I hope. But it's quite a big job to print these large items so 888800. Wanted to anymore and of course in the next ninety days are high net worth summits. For those of you have between 505. Million to protect tenancy it was nonsense Lombardo is in the South Shore. The Tuscan kitchen north in Burlington fantastic venue you'll join at all or any of these there is no cost and the information you will receive I believe it's priceless how do you like that so big a date. 890 once it was us for a dinner during the week and early dinner you'll be on your way home by 7888800. Wanted to once Tuscan kitchen in Burlington publications. The 888801. If you won the national senior retirement test the will and trust work for the senior safe money strategies book my original publication and the seniors safe money strategies work books volume one and two. Don't missed analysts as well lasted ten pack of publications ask Alexis trying to get these publications do as quickly as we camp because if you get them today you can be putting their knowledge to work through newfound knowledge the newfound information that's very valuable in these folks in these publications 888800. Pointed it on I'll be right back. Keep your family fortune in the family and keep what you had to use what you want and pass along what's left. Are they trillions of dollars in a higher rating and individual retirement accounts are going to be too much for Uncle Sam do overlook. 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 give your loafers new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly. Schedule a review an appointment for a consulting 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. It's Saturday morning and what's most important to you about your retirement years. Trying senior safe money strategies with bill Kelley on six AB WRK go. Call bill at triple A 81881. Or locally at 78184939. Feet. Stay informed. OK and you say goodbye to the people. And thank you for listening. And. I. What's most important to you about your retirement years. Trying senior safe money strategies with bill Kelly call Billick Tripoli 81881. Or locally at 78184939. Feet. Stay informed. Are you getting pace there were five bogeys bundle to any investing relationship. One he has the ability of your professional and another is availability. There's attitude action. And accountability and 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 is usually we think you give him straight days. Senior safe money strategies Tripoli 81881. Called today. Yeah at all like to attend that conference thank you very much a and so and so. Tripoli 81881. Call two days. We would like to come to cap it at Scutaro that. And lunch there and that would be wonderful thank you about. Tripoli 81981. 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 reservations 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 81881. Call two days. Put the book on. The overtime strategies today thank you. Tripoli 81881. Called two days. It got look into the radio show over and over. It back anyway out card because I am interested in learning. You know may be having you guys you complementary review and I am also of interest that but the material developments in thank you and have a great let it that we care about. Tripoli 81881. Call two days. That's to my country every day and I'm sure you each had let get spot there and I love it. So on and in morning I heard a big event in the trial I would love to it and I'd love to want to take it can create. And the Sunni and I want to thank you Bob. And information 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. Events that you can email me more information about it the both of us. Would like to attend the branch banking. Tripoli 800 in 1981. Call two days. Senior same money strategy. Wealth transfer senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning senior safe on strapped. Portfolio income projections seniors. Money strapped. Call bill killing at 888800. In 1981. Or locally at 7818493090. Okay. I'm Tony. Coming. Oh. I honestly. It's. Wait. Maybe this. 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. Called today. Yeah. This is still account for those of you wanna protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any NET 801 if you wanna 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. 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 is history tomorrow is 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 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 to you when you retire especially if you're depending on your investments to make opposite significant portion of -- of the your retirement cash flow so 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 -- several different venues in the coming three months we are absolutely packed right now for that reason we're open on Saturdays chemical thing opening -- we have a new office in Newton it's packed we will make room for you will make room for everyone any any -- 800 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 where before you do something that's irreversible. Sit down with on standup yourself can't knowledge visit with us at the Tuscan kitchen in 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 marry not known to support the Newton office which is off the charts as the kids what's iso 88880181. You know that get a copy of senior safe money strategies and get a copy of the workbook they need me 800 when he hit one 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 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 when it went and find out if you still want to continue to give away that point five. 11 and 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. 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 -- 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 -- the data of your entire portfolio all mapped out which is how much volatility you have in comparison to the market -- showing the expense ratios and what you have find out where -- -- 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 -- -- -- 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 -- 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 won't commute there. And we welcome to a new office at noon and don't be shy to remind me just shake hands kind of what we can do for you paid me a few hundred point in game one season. Keep your family fortune in the family teeth which you have use what you want and pass along what's left. Are there trillions of dollars in IRA and individual retirement accounts going to be too much for Uncle Sam to overlook. Have you done tactical planning to strategically guard bureau assets acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate and protected from predators and interloper his new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 1888800. In 1981 now and speak to bill Kelly. Schedule a review an appointment or consulting session and have all of your questions answered that's 88881881. Keep what you had to use what you want and pass along what's left. Well we felt that we had a record year last year entirely financial services and and to scientists like to thank everybody first of all we're growing to 27 team right now and what we want to focus on the shares financial survival and investments. When you retire and you. I have for some portion of your retirement dependent upon your investments and achieve your retirement is cash flow now back when I was a kid as a Thomas on all the time every time I want to impress upon him something that this impossible for him to comprehend unless I cut a proceeded with when I was a kid then and have my parents whatever the mailbox closed the place for money came to our home believe it or not. And people coming by buying chickens and also and and wondered delivered today thanks to the county food -- that too as a source of income for our family had a paper and also I chipped in about eighteen bucks a week when I was in fifth grade or home never saw that money out of the tips little bit of them and it was a great you know -- it was a good deal but my grandfather -- -- Social Security check in the mail every month he would do it on to industrial national bank which is no longer and he would deposit refuse to the supreme in building in Providence that housed industrial national bank fantastic unbelievably beautiful building it and I digress I have to -- -- -- here so it's 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 in some mornings now they wanted to put in some heavy heavy regulation involving what I do for a living and that was to control. Us people like me. More thoroughly more in depth. And I'm not. I'm not I wasn't objecting to that the scope of 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 vision 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. Naturally you see the Wall Street running to win no peace over 25 that's astronomical we're back to 1990 knowing inflation's back. And interest rate right roots 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 rhetoric before things that start to get really tight. Now what's three quarters of a percent of 21 trillion I don't even wanna count and now. It's billions and billions of dollars that we're gonna have to pay me and our national debt more so the interest on the debt might be our one of our largest expenses estimation 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 and financial survival seminars and find out it's 888800. Point heated when sit down with us for a 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 recommend no money -- premiums on doubled doctors are scarce and everything we told you about it didn't happen but they have an unlimited supply of your money it's called opium oak beams and drug OPM stands for. Other people's money you're the other people so they told you when they started the 401K system which came out of the teachers annuity system trying to. Create that for all Americans all people here who worked in new display and said why not put money away now tax deferred and then 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 for months or bigger print and if they print -- 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 part the first part of your financial survival is your balance sheet your state balance sheet than your investments than your investment statement so any any any 800 wanted to he wants it with us at the Burlington marionette. At the Newton merry at the cafe as controller 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 Eunice 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 hope sergeants and it had to end this a lot of things that connect your little spiders I don't know who they were pretty we will call people out but financial survival subordinates and it's a let's focus on that for the rest of the year paid heed and 800 wanted to once it with me so it was one of our. Our analysts' revenue officer in Newton is off the charts as the kid sent in for talking slang it's off the charts folks 888801. 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 plan it starts with your cash flow and such of their investments in stocks to your investment statement so 888801. If you want to copy of the workbook senior safe money strategies and all of this information inside of it and it's free and we just had 4000 of them printed I think recently and they were about to pronounce and guess what hit to pounce of now and trade complementary my vice president Greg Laurie says don't like 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 two days. Yes spotlight to a turned their backs and conference thank you very much. And so and so. Tripoli 81881. Call two days. We would like to come to cap it at Ascot drought that. And lunch there and that would be wonder well thank you about it. 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. Tripoli 81881. Call two days. I barely. And piety wealth preservation risk management seminars to Babson. I would like to attend the brunch. Then 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 two days. We have the book for you it's called senior safe money strategies. They're busy work folk that goes with the book right now you can get your. 288. Pages long it's almost everything I've written. Over the last 23 years put together so 888801. And anyone get the book senior safe money strategies and ask for the senior safe money strategies workbook volume one and two. So by calling today you have the information immediately. As soon as Alexis all of the folks who fulfillment can get them out to you at the items out to you and you can be taking advantage of that knowledge and information and newfound techniques and ideas. On Monday before the market opens up 888801. Anymore and get your copies especially now the senior safe money strategies workbook fine morning to 288. Pages and it's in half by eleven so it's huge. Looks like the old dictionary we used to have when I was a kid. Don't forget that it's a something a little bit knew something a little bit different and a way of us getting more information to information is power. Catcher work folks ask for. The national senior retirement test it's something else and we offer find out where you stand 888800. Wanted to anyone get the Del Mar report find out why investors guessed wrong on almost 75%. Of the times. So they need any. 800 pointed anymore and we've had thousands of people take the national senior retirement test. You'll be able to see where you stack up with those people and get an idea where you stand people generally ask me where do we stand and this is one way of knowing generally I tell him you're in good standing because she's standing with may have knocked out. So no more can the will and trust workbook 888800. Point 88 point it will help you figure things out and then total wealth transfer which is part of the ten free reports 888800. Wanted to do when there's every kind of idea strategy and technique and I think that's important anyway to you. In that publication. So total wealth transfer the will and trust work for the Del Mar report on investment investor behavior that would be you know the national senior retirement test senior safe money strategies and the senior safe money strategies were folk volume one and 2288. Pages of a new half by eleven it's not a six point nine packed packed with every type of publication I felt might be important to you. 888800. Wanted it on the larger publications are emails only right now and we're gonna print them by probably within a few months I hope. But it's quite a big job to print these large items so 888801. And it warned of course in the next ninety days are high net worth summits for those of you have between 505. Million to protect them and sit with us Lombardo is in the South Shore. The Tuscan kitchen north and Burlington fantastic venue you'll enjoy it all or any of these there is no cost and the information you will receive I believe it's priceless how do you like that so 888. 891. Sit with us for a dinner during the week and early dinner you'll be on your way home by 7888821. Tuscan kitchen in Burlington publications. 88880181. The national senior retirement test the will and trust workbook the senior safe money strategies book my original publication and the seniors safe money strategies work books volume one and two. Don't miss those as well as the ten pack of publications ask Alexis trying to get these publications do as quickly as we camp because if you get them today you can be putting their knowledge to worked a newfound knowledge than newfound information that's very valuable in these folks in these publications 888800. Point 88 points I'll be right back. Took gold who keep what you have. Use what you want to and pass along what's left. Are you aggressively working to keep would you happen pass along something to those near and dear to you. Want to thank both looked back using stolen replaced their recent five year look back and replace the original three year look back. Are you worried about the new tax loss well above potential means testing for Social Security Medicare and Medicaid. Call 188881881. Now. And speak to build Kelly yeah. Get bills courtroom schedule review and make an appointment for have a consulting sessions to answer all of your questions today due to dad's 888800. 1881. And. Yeah. Yeah. So. I think the United States is the greatest place in the world to invest we have some shakeups are doing good few bad apples and. You. Did any kid who made it makes that Obama the man faster stronger. Yeah. And cruised duke knowing how you doing today we have a big weeklong think's happening especially in politics but these do seem to run over into a world of finance or interest. Yet in the last five days have been up one point 3%. So beginning of February look at you'd better in January. Right and people are hungry for those games I know and and so long time since you have a steady climb like this. Like 2014. Ernie caveats anything you might see right now is something we need to be aware. Not the Serbian there quicker investing and obviously the markets still not you're pretty I would peak years shares dropped one point five so. Put a lot of it has to adopt a tax cuts the potential tax cuts coming up and there's never heard of how corporate profits a lot. Australia could justify higher valuations are there good burger successful a lot of people clan especially if there Dick about it place and. So the markets of leading economic indicator and of course unemployment a lagging indicator there seems to be inflation on the horizon but I think twenty fives are very IP don't you know. In the past Serb historically has averaged about six. Since early nineteen hundreds so one sided it's pretty I mean this morning and innovation now in the and a lot of areas like how they're fired acted. Tech in general sorry let don't justify. Valuations. Are yours is little higher industrial revolution by not the last few hours I had been passed. So we have to be aware of that introduce a lot of research of these gentlemen know your audience is aware of that and Andrew put can you tell us a little bit about the moving averages in the sentiment indicator. Set are indicator it's so if the market a little bit overbought short term Mimi could see a little bit of local back in the average. Woods is roughly three or 4% below 583 of 4% below where. The market trading at announces GM those three or 4% pullback would be anything. Out of the ordinary. Historically is here market do that correct. With the market being over Bart trading about moving averages could see a small back. The sentiment indicator means that when people get over exuberant they sent to back off into. When there's a lot of bargains around people tend to Byron. It matters. How quickly money moving it into the market and out of the market so yeah a large person body of in the market very quickly and consistently. The bad Medicare continues to rise so let's get. Overly you read you can see a lot of the sell off. After. And now we're doing a lot of work with a risk tolerance levels and more you finding when people in peer cleat perform any new survey to determine their risk tolerance to see a big difference to what they really think the risk tolerance is Andrew. Yet think going to invest some policy statement it helped a lot about person to help them a lot more so I actually a way. That they understand how much volatility associated with each risk tolerance now. Some want a moderate portfolio it. Not a lot of risk. Estimated that they want the beginning they see how much volatility at risk does it it may be lesser maybe more than expected and they did just. What kind of portfolio that are willing to accepts. Of course there are going to be gone so each person deference it kind of locked himself back. Then realizing what our limits are in the you know isn't that. Our limits are less than we think when we're actually going through things on a Sunday night and adapt turbulent markets so I was deep down in my room with a new investment policy statement so I think that works well everybody has an idea of what to expect before they set out on the voyage. Very Italian I also believe it helps you understand that if they wanted to take on about half the risk and market and expect all the ups and did you also obviously wouldn't expect all the downside eaters you look and broke out volatile portfolio but some people it got more or something or ordered up last. Very driven into your available in Burlington and Braintree sometimes Newton but people consumer review there's no fee there's no fee for the initial consultation. Movement have several pieces of information for each person in a lot of analysis so. These BP you know 101 anyone I think there's a lot of the different details we can provide folks who we appreciate you coming on the show we'll see you next week into crown. The yeah. 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 is the worst tee ward of the mall. Are you dealing with a five tees. Dear bill Kelley senior safe money strategies called 88881881. And speak to build what matters to build Kelly he's huge. That's terrific. Senior safe money strategies Tripoli 808. He needy ones call today. Yes spotlight to a certain that should not very much. So and so Tripoli 81880. One's called today. We would like to come to ask him around at lunch and parent that would be wonder well thank you about Tripoli 81981. 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 and 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 up. Tripoli 81881. Call two days. Analysts. And piety wealth preservation risk management seminars that 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. Seniors save money strategies. When some transfers senior safe money strategies. Living trusts seniors save money strapped. Medicaid crisis planning senior saint under stress. Portfolio income projections. You're saying money strapped. Call bill killing at 88800. The 1981. Or locally at 7818493090. You for a return. There's. This road to. Didn't influence the court today glued to consume gluten. Just. I get back here working out at BAC are not public yet constant feeling. You know what's been happening don't exactly go wrong. Big bill in this league client ask a teacher I do it. Exactly and I accomplice have. National pretty slow contest and they did so but O would still be going down here and bash shell on a hot pursuit basketball somebody serve a little. Where it all airing a show. And it 821. Consecutive sort. When it hit he got it figured out and grabbed the bat I brought to my reputation and yes bill. Pumps over a city in the best jump shot in the history of basketball. Period no. Including. But that's that's our bet baton and then the next big city cut from the so that that was well with them coached the Celtics in the it would undercut. He's a great attorney down in Newport and he used to just kids altogether in the neighborhood shooting hoops with us but Roy was shooting he would be teaching us about doing some charity work you love PC obviously right. A lady I got the Providence College you know higher. Great bit guarded but Eric Brittany gave me two great parents. Gave you didn't ask. You got off we have a gagging for it got it went up in college job lady of property college. In our Barack nightly this really got burned and probably the best bill and you know like that in excellence. Really had an exact. I thought you know it taught me sportsmanship. Teamwork to be here and honesty in everything that let it end the people that work. It on other people had succeeded not the people who have a best. I heard those values and thank god this statement we don't shoot and I try to pass code on its Internet still coach Bettis or if you could. I have great ego and you talked to a better job Pete ball better and edit here this. And I kept doing that you're lacking those same. Yeah he's so hot work. Work and honesty integrity. Its ability to build web editor rear not. Don't does not still the most important equities and a lot. Well it's great hearing this from you each week in learning about life I know the audience loves it but I also think we should learn from recruit athletes and the things that create winners seemed to last throughout our lives you know. What keeps things on other people and then. Vermont you know the secret to bring together. But right people go well more so let's who are Oakmont is here people that were clearly. This important that was center Providence College reunion don't want my friends came up and the the situation. I meant billions changing. Barrett coached great basketball player and basketball and says wow it certain that I guess this type work this assistant coach not to. I'm art work with them. Adoption is yet but let judge. Accept it you know I learned from the best I heard from bill shop. That's not shoot a basketball and I ended up TJB bear it should see it so we all learn from each other know. Want with it each time it happens we all do. It. Work for years equity. Well you're right we've sort of become quite a golfer Vijay it's so we have a trip to Florida saw it as some original lesson with butch Harmon's son was teaching at this club and you could just over there for sixty bucks you know we had a great stroke and AJ used number one in knowing the sort took a move to lessen or drop them off for came back and picked in my opening. Harmon usually area was so excited about his his swing and Harmon wasn't very excited and he says to me well in minority I can't give them any moral lessons illness when you come back next journey to know he's played at least two more sports because if he doesn't he's gonna get focused on golf and if something ever happens with his golf game and you'll be devastated and so I want to learn to more sports and. Luke goal and objective but so are we keep that spirit animal equipment to bought that he's gonna go to school a book that that either got beat up in the air. So big parties and become the president of the United States and she and that's my that's my objective but I do it even better up. It had quite an outlet thought it is golf equipment and like it happened near well not a strange what do you think the best. Or think it's creative artists but I'll see if he's up to it but impressive for him but he couldn't have a betterment through the new invest some of the guys at work who was saying Jesus there. We do ambassador for India or if we called the we need some personal advice mr. Kelly and I said well I think that'd be okay and. You can't yet I spoke eloquently here cup. We go another president of the university. Is great you know this in part motivational speaking at that lack you know it happened. The subject matter talk about making people feel proud of themselves that but you can be anything you want a pretty if you want. They're not our mission the masses and active. Those are great words and I hope that you work outs are proceeding well I hope you get your rest recoveries in foreign rights. Yeah I'm not. Trying to go out there but I can work out what it but it I check Osaka. And hit it very well I'm still up to that. Do we know support that brain's doing Corey every time I CME looks better he's more handsome men. Mrs. Clinton we send our love up to mrs. Clinton also. God is pretty get this pretty. What book yes. There you go thanks for being with us again god bless America could kick your your. 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. This is still account for those of you wanna protect your wealth if at all possible for those of you who are wondering about retirement the projection projections of your retirement investments and your cash flow give us a caller Kelly financial. Any NET 800 when he didn't want to ask for a free copy of the changing face of retirement investing it's an amazing publication in 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 I'm more and more staff to Newton but we have to train people we have to do growing and we will fit you win a pain pain 800. When he's going to get another look at what you're doing before you make a mistake where before you do something that's -- reversible sit down with on 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 around to support the Newton office which is off the charts institute's roots iso 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 888801. You want to take the national senior retirement test which I developed any paint a 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 he might stack up. Any any any 800 when he hit point find out what the expense expenses are. Inside of your portfolio and your investments your 401K. Your variable annuities find out what the expense ratios are in the investment you have the funds need any any any country wanted to warn and fine and if you still want to continue to give away at that point five. 11 and half two and a half four and a half percent every month or you want to put that in your pocket or not giving out at all. Any any any 800 wanted to he wants it will thus there's no fee for a consultation initially you'll never be billed for sitting with us and for your initial consultation. We're gonna create a cash flow analysis for you we're gonna create a twenty year projection for you we're going to do balance sheet for you. We're gonna do an investment report for you and we'll show you that -- of your investments and sounds like a -- term but it's really the strength of your management we're gonna show -- 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 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 -- -- so those are -- always -- sit with us at -- 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 -- 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 a shake hands kind of what we can do for you paid me a few 10181. Season. Are you getting pays over five days bundle to any investing relationship. One is the ability of your professional. Another is availability. There's attitude and action and accountability. Listen to bill Kelley senior safe money strategies and called the 8881880. Wanted to speak to bill. What matters to build Kelly if you. We think you'll give him straight days. This is bill Kelly we're back with financial survival strategies right now which is a series of events were going to be holding over the over the next three months in Newton Burlington and also in Braintree a community. 801 dated one there's a PE ratio that is the price of the stock compared compared to its earnings and for trying to survive in the market you need to know what to PE ratios are and right now we use a Shiller adjusted PE ratio you know which is in just adjusted for inflation to even it out and right now that's 29 point 14 that's high. It was fifteen. 87 or eight years ago and right before the U crash in. Only eight it was about 22 to think about that right before the market bust it was incredibly but black Tuesday 1929. It was exactly thirty at the Schiller PU so we have a high price to earnings ratio that means people are willing to pay more money for stocks and stock prices are appreciating ahead of earnings so there's a survival tactic how to deal with tennis but you can that your risk tolerance stunned. UNH survey takes about fifteen minutes and you find out as much risk tolerance. Mirror what's happening in my account of what. Type of risk I'm undertaking we have six different. Investor profiles in our offices for any view interest and and you risk tolerance serving that we've developed over twenty years so. The astounding fact is people who do this. You can do this little exercise. Generally find they're exposed to more risk in the pink and sometimes they wrote. People wonder why some of them portfolio going up the same as the market news because if that happens you correlated exactly which means you're going to go down as much as the market goes down so you know what I try to do what we try to do is get some creativity and things positions to some great save money positions and then let's get some great. Stocks and bonds in a portfolio to rounded out so right now the he is a little high price earnings is a little rich and you're saying yourself well here's Kelly spouting off about it PP I'm driving in the car community you know people getting ready for the in the spring planting get him involved sorority. Maybe burning some fertilizer can learn from march. Tuning up the lawnmower. And he's spouting off about peace. 401K I have a small portfolio maybe at fidelity and Kelly's trying to talk about these technical terms like. You probably want to appoint that prime so the best leaders to the best way to explain price earnings news would you pay more for for an apartment house of the rents being collected from a more higher yes but in the bull market of the housing people you might pay more to get their property because there's more equity but he might not be able to get the rants right of way to support that so you don't have a little bit of a squeeze in the region and Europe overpaying for that so when you buy the stock with a high price earnings ratio in recent price of the stock is very high as opposed to the earnings of the company but you see what we're -- catch up some buying it now it's a tough way to buy things -- remember buying and selling them doesn't make a lot of sense and and I group says I made all of my money by selling too soon so if we know it's historically high right now we know margin debt is off the charts -- -- -- -- so hard so what the companies are trying to do now -- fill in the gap is a big gap. The gap in the last few years between them price earnings and price the stock so now. That's what we're facing because we've sort of run away here since November in November December January straight up basically but there's a lot of money sitting on the sidelines not just people like you went on investing its comeuppance come off the sidelines because obviously president trump news business friendly commerce friendly these anti regulation he's pro Lauren are initially drew tax cuts he's pro tax cuts but he's also include more tax revenue because tax cuts stimulate the economy. A brick and mortar pick and shovel don't really stimulate the economy element and he continued basis because they drive on debt to infrastructure that's going to be financed in a novel way it's also extremely attractive however if the market doesn't catch up if the price if the turning stone co op and the prices continue to grow. On the news and stocks eventually ruin have a bubble. There's room. Exactly equal to play Tuesday right now as far as the shorter suggested PE ratio of the market. We have the most national debt as a percentage of GDP we've ever had refer them we have the largest unemployed and work force in American currency workforce people who want to work but can't or don't aren't able to find John and we have a tremendous debt service and margins at all time high levels fruit stand consumption is at near all time high levels so we have some some things you have to watch out now when you do your risk reward scatter plot. Let us when you do you learn. Risk tolerance servant you're gonna find out we understand and you can look at six different investor profiles find out which one matches you're risk reward a scatter plot in which one matches your risk tolerance and just thought you know black and white we stand and you're known for American morning. When you should stand so this is all part of a financial survival. And investing in strategies so he'd he'd gained 800 wanted to you want if you want to have a risk tolerance if you want to have an investor profile. If you want to know these statements analyzed I think it's a great idea to do this it's complementary. Now Craig Murray might vice president tells me don't send free mr. Kelly sounds cheapened it and should be free and it's a great deal so he needed 800 wanted to hit one weirdness. His strategy start. Readers financial survival start by preserving what you have and that means expenses. So we have a balance sheet we have the cash flow of these state balance sheet and then we have assets and then you have the definition of the assets by it was called your statements within these statements that we see we look forward. Unexposed expenses which threaten financial survival if you or undocumented expenses and his views important documents in front and revealed expenses hidden fees some people call them if you can't determine what they are you don't know how much it's affecting your return so you don't wanna pay for a half percent in hidden fees and have a 3% return for the year because you paid more in fees than you've earned with your money that's not risking for profit that's sort of foolish to you have to be careful of fees you statement as you for the fourth item most important item in your financial survival plan any any any. 800 point needed more and have someone do this all for you devise a path for you know which will allow you to know where you stand with benchmarks and milestones in black and wanted to and full color and have that done for you and then see where you stand sit down with us see resent any any any 800 wanted to run never offense we just wrapped up that some college we've got to. The new Marion we've got the Tuscan kitchen we have the cafe basket drill basically if you like Italian food. You're gonna like Arafat's house that went to collecting the morning for Italian I think that's the part of me the most he's doing food so don't be shocked if you're a client to have Kelly financial I don't wanna hear that part owner Tom Allen about the journalist human events are for clients to do so any data any 800 when he went if you come in you're not a client you can meet some of our clients if you. If they choose to let you know there are clients we don't ask them to do that we invite our clients to our events because we think when we love to see the who's seen you so needed in 801 anyone get your financial survival kit and find out what that it can do for you can't get this collection of data prepared for you and find out what a PE of Tony nine means no 29 point one for the show loopy when that PE on black Tuesday was thirty. It's a little bit history might not repeat itself but sometimes it rhymes and remember the Everest affect the mistakes are made on the descent. Most of the deaths occurred the highest percentage of deaths occur on Mount Everest after the person has reached the summit because they feel they've made their goal. But the goal shouldn't be to go up to the summit of Mount Everest there should be do go up the summit of Mount Everest and return to the base camp. Wouldn't you agree so any any any 800 wanted to anyone find out what this can mean to you get a financial survival strategy and get any risk tolerance test if the kid at the ten tax the publications. Since and have a meal with us comfortable in her presence and presentations enjoy it any any any any country wanted to when we'll be right back. Seniors yeah funny strategy. Well some transfers senior safe money strategies. Living trust seniors think money strapped. Medicaid crisis planning senior same content strategy. Portfolio income projections seniors money strapped. Call bill killing at 88881981. Or locally at 7818493090. And an. Senior safe money strategies Tripoli 81881. 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 cafe at Ascot drought that. Luncheon there and that would be wonderful thank you I'm back. 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 solicitations for me and let me know I would appreciate it thank you look at it and I would like to make a reservation twenty. Tuscan kitchen thank you but. Tripoli 81881. Call two days. Welcome for the book mind. The overtime it strategies today thank you. Tripoli 81881. Call two days yeah. Is Doug Douglas into the radio show over and over the little back anyway out card because I am interested in learning. You know maybe having you guys you complementary review and I am also an interest than some of the material developments and thank you and have a great that we get by. Tripoli 81881. Call two days. And chronic country every day and I'm sure you did Chad let get spot there and I love here. So on Saturday morning I heard about the event in the trial I would love to attend a lunch at one ticket and secret. Andy Andy and I want to thank you Bob. An animation you sent me and I love Billy Burke I can't and god bless and I. Tripoli 81881. Call two days. I really. And piety wealth preservation risk management seminars to Babson. I would like to attend a brunch. And Turkey could email me more information about it for the both of us. Would like to attend the brunch thank you. 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 and your cash flow give us a caller Kelly financial. Any PA 800 when he did one 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 I'm 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 irreversible. Sit down with a standup yourself kit knowledge visit with us at the Tuscan kitchen in Burlington or Babson College near Newton. 888800. When he hit when we're going you have crunches and we're going to have dinners at the new married not known to support the Newton office which is off the charts as the kids were excited so any any any 800 when he didn't want it known 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 wanted to find out where you stand when you finished the test you know we understand it's a very it is 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 didn't want to 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 five. 11 and half two and a half four and a half percent every month or you want to put that in your pocket when document out at all. Any any any 800 wanted to he wants it wind thus there's no fees 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 Balanchine 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 you 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 and Burlington Braintree -- the newest office Newton visit with us at the Tuscan kitchen for dinner or punched us so those are packed always or sit with us at Babson college and they've welcomed us with open arms 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 at noon and don't be shy Akamai and meet a shake hands kind of what we can do for you paid me a few 10181. 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 be too much for Uncle Sam do overlook. Have you done tactical planning do strategically to argue restaurants acquired through a lifetime of hard work. How can you take a lifetime fortune off of the table secured from probate in protected from creditors and interloper his new legislation is here now. Do not delay take decisive action to keep your family fortune in the family. Call 188881881. Now and speak to bill Kelly yeah. 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. It's Saturday morning what's most important to you about your retirement years. Tried senior safe money strategies with bill Kelley on six AB WRK go. Call bill at triple blade 81881. Or locally at 78184939. Feet. Stay informed. OK then you say goodbye to the people. And thank you loosening. Up and. Yeah.