If you miss the Money Puzzle TV Show this past Saturday, Brian Ramsey and Chris Vaughn discussed common retirement Myths. With lots of information out there but it’s hard to know what the truth is. In the financial world, things can change in minutes. As financial professionals, we stay on top of those changes and adjust accordingly. knowing all the facts is the best place to start to ensure that your retirement plan is successful.

If you’d like to speak with one of our advisors or need more information regarding any of the topics discussed on our show, please give us a call!

Speaker 1 [00:00:21] Welcome to the Money Puzzle. My name is Randy Major. And joining me today are Bryan Ramsey. Ramsey and Chris Vaughan of Family Wealth Planning Partners. Welcome, gentlemen. Thank you. How are you today, Chris?


Speaker 2 [00:00:32] I couldn’t be.


Speaker 1 [00:00:33] Better. And good to see you again, Brian.


Speaker 3 [00:00:35] Good to see you again.


Speaker 1 [00:00:36] Thank you. So I want to first mention the name of the show. I love the name of your show, The Money Puzzle. It’s so catchy, but it makes so much sense.


Speaker 3 [00:00:45] Very fitting.


Speaker 1 [00:00:46] Really what it seems like today, isn’t it?


Speaker 2 [00:00:48] Absolutely it is. I mean, where we came up with the name for the show is an analogy that we use with clients all the time. You’ve got lots and lots of puzzle pieces, but you don’t necessarily know what the end result of the puzzle looks like and you don’t know if you have all the pieces, right. So that’s that’s what we do is we put that puzzle together so that that’s where it came from.


Speaker 3 [00:01:08] You need one other piece when you when you think about a puzzle, you know, I remember as a kid putting them together, my you know, my family did one for Christmas, right? We all had it laid out on the table. That was kind of our thing. You walk up and try to find a few pieces and always remember, you know, getting the one piece that’s got the little loop on it. You’re always trying to make sure it fits. Well, you would try to put it in. It didn’t necessarily fit in that particular spot. It has a very specific spot, a spot it fits. It’s very similar to all aspects of your financial life. They each have a specific place that they go, and if you don’t make the right decision or, you know, you don’t make sure that that that piece fits in the right spot begin to sort of change everything. And your financial.


Speaker 2 [00:01:48] Affects the whole puzzle.


Speaker 3 [00:01:49] Fixing puzzle. You got to make sure that the right piece fits in the right place.


Speaker 1 [00:01:52] And that’s why it’s so important to be working with a professional. To be sure all your pieces are going to fit so you can retire with a piece of mind, right, guys?


Speaker 2 [00:02:00] That’s exactly.


Speaker 1 [00:02:01] Right. So I know you’ve been so busy. So first a thank you for coming into the studio and spending time with us and giving the viewers such helpful information. Talk about your team and your approach a little bit.


Speaker 2 [00:02:13] Go ahead.


Speaker 3 [00:02:14] Yeah. So our team is made up of several advisors. We all have different backgrounds. That’s the cool part about about our office is we all have different, different areas of emphasis there or expertize that we have. We have different certifications like Chris is long term care sort of has a long term care certification. So the exact title, but I’m a CFP and so that’s what we wanted to build was a coalition of advisors that have different backgrounds that kind of bring, you know, a different aspect to our business so that we can look if you’re a one man advisor, you can’t be all things to all clients. And so as a as a team, we can be all things to every client because we each have different areas of emphasis. So the team approach actually works for us.


Speaker 1 [00:02:57] Yeah, very well-rounded team you have there. What’s the vibe been in the office? Do you feel like folks are coming in with more concerns with the way things are in the world today?


Speaker 2 [00:03:07] You know, the newer clients, the ones where their plans are not fully developed? Yeah, there’s a lot of concerns coming in. What if this how is this going to affect me? You know, the inflation thing that we talked about on another show, that one’s a big concern. What happens if the market does this? Those kind of things are fairly common with the newer clients, with the clients that we have, that the plans have been fully developed and implemented and we’re into that good, healthy review cycle. Not so much. They understand that there’s going to be bumps in the road and they understand that we’ve put in little levers that we can pull in their plan when these things happen. If the market takes a downturn, that’s okay, because the only part of your portfolio that’s really going to be impacted is that bucket that we’re not going to use for another 15 years. That’s okay. So the clients that have been around for a while haven’t had too many concerns. They get it.


Speaker 3 [00:04:01] That’s great. You know, one of the piece of that. So, you know, you bring up a interesting point. So when the market when the market’s great clients are cool, right? They don’t they don’t necessarily call it they don’t call you, yo, what’s going on? But it’s when the market has a downturn is when they get a little anxious, no call in. But really what they want to know is that you’re still there and that you’re on top of things. And number two, they want to make sure that we have stress test their portfolio and their financial life and the form of plan. We stress test enough times to show them, even in a down market, you’re going to be fine. This is a long term game. It’s not a short term play. And that’s really what they want to know. Am I still good? Yeah, you’re absolutely still good. You know, just don’t open your statement next month or whatever. You just a rest. But really, that’s it. It’s just, you know, don’t stress about it. It’s a long term game and long term plan is going to work out and we’re going to have bumps in the road. Yeah.


Speaker 1 [00:04:49] So today I want to get into retirement myths.


Speaker 3 [00:04:53] One of my favorite.


Speaker 1 [00:04:54] So there’s a lot of these and I’m sure the viewers at home are really going to love this show. What would you say the number one retirement myth is?


Speaker 2 [00:05:03] Wow. Number one.


Speaker 3 [00:05:04] When you want to do the 4% rule.


Speaker 2 [00:05:06] I was going to say a 4% rule is probably the biggest one that you see. Okay. So the way that this myth works is the concept that you build up your portfolio to a certain number and then that. Number, you pull 4% out of it every year and that’s your income for the rest of your life. And if you do that, that that that portfolio will feed you. It’ll give you that income source that you want. Once upon a time that worked, you know, and it worked fairly well, but you were also in a very high interest environment. So when you’re talking about the nineties, the the even the eighties or before, it was not difficult to get seven, 8% in a savings account at the bank. You could get ten and 12% on CDs of the bank. These were investment products that were FDIC insured, things of that nature. So it took a lot of the risk out if your if your savings account is growing at six, 7%, but you’re only taking 4% out per year, it’s not difficult to do that over an extremely long period of time that doesn’t exist anymore. We’re in a very low interest rate environment. Most of us believe that that is unlikely to change any time in the future. You’re just not going to see those anymore. Will Now, out of those insured banking type products where you’re getting half or maybe one or one and a half percent on a CD, if you’re taking out 4%, you’re taking out more than what your investments are growing. So the myth comes in there. You’re actually going to be eating that portfolio. Goodness. Well, if we knew exactly how long you were going to live, we could figure out whether that’s okay or not. But since we don’t have that big variable, it makes it an improbable way to go about setting up your retirement.


Speaker 3 [00:06:52] You know, add one piece to that. So the premise another premise behind that is that if you had a pool of money and you were only taking 4% out, then the principle would remain throughout your life. Right. Okay. So that’s kind of the more the core principle behind that. But then same thing is when folks come in to see us and we say, well, what are your what are your goals? What are you ultimately looking to do? And they go through all these goals. What I almost never hear is I want to leave the assets that I’ve accumulated in my lifetime, whatever that number is. I want to live retirement. I want that same number of assets to be given to my kids. We don’t ever hear that. What we hear is, you know what, I want to live my retirement the way I want to live it, and I want to go do the things I want to do. And if there’s anything left over.


Speaker 2 [00:07:32] Fine.


Speaker 3 [00:07:32] So be taking it to the kids. Another thing, I’ll give you a quick example. So we have a couple of folks that have come in before and they’ve said, hey, I’ve heard about this 4% rule. You know, is that is that you know, I need to make sure that my plan says I can take 4% to explain to the. Yeah, that’s a myth. You know, we really don’t buy into that. And so when we saw cash flow, our software actually shows them distributions per year in the form of percent of their overall asset portfolio assets. So the interesting thing is typically in the beginning of retirement, they want to be doing more things right there. They’re free and they’re say, hey, I can now travel, I can go do all these things I wanted to do that I wasn’t able to do when I was working. And so their distribution may rate may be four, five, six, seven, 8% for several years, but then they sort of settle back in like I have kind of done all that already. So now I’m kind of settling back into retirement and even further into retirement, we can see the distribution rates are in the 1% range. It’s like, Well, why are you so focused on 4% if you only need take out one? Why are you worried about 4%? So the distribution rules that 4%, we just we don’t buy it at all. We would we would say that’s a myth.


Speaker 1 [00:08:42] So it’s kind of like an old school mentality, old thinking and retirement is so much different now. We need to update our thought process.


Speaker 3 [00:08:49] Sure.


Speaker 2 [00:08:49] I’m sorry. Yeah.


Speaker 1 [00:08:50] So we’re going to take a quick break. We’re going to come back and talk more about myths. But I know you’ve a very special offer for the first ten callers watching the show today, Chris. You and tell them about it. Sure.


Speaker 2 [00:09:01] So for the first ten callers at 8449005210, we’re going to offer you a complimentary financial plan, bring in all the pieces to your puzzle. And we will help figure out how to put those together so that you have that complete picture of what your retirement years look like.


Speaker 1 [00:09:20] Folks at home, if you’re a puzzle piece, if your puzzle is missing a piece, if it’s incomplete, today’s the day to pick up the phone and call and complete that puzzle. Give yourself peace of mind. What Brian and Chris are offering to you today is invaluable. 844 952 ten is the number. We’re going to take a quick break and we’ll be back with more.


Speaker 4 [00:09:44] How confident are you in your current financial plan? Do you know with certainty how the recent market volatility will affect your future hopes and dreams? How much are you paying in taxes and how much are you losing to unnecessary high fees? You didn’t work to save this money so that you could spend your time worried in retirement. Now is the time to take charge of your finances so you can feel confident about your future. Call in during the next 30 minutes of today’s show, only to set up an absolutely complimentary, no obligation, full blown financial review that will result in your own customized written plan. This is a $999 value that we’re giving away, complimentary to the first ten people who respond. We’ll start with a full blown analysis of what you already have by running a report to untangle how much you are currently paying in fees, how you’re allocated for risk, and what it’s costing to work with your current advisor. Next will identify your goals. Where do you see yourself in the next five years? Where do you want to go? And who do you hope to go there? When is your current financial plan set up to get you there without mishap? Let’s design a road map to create a financial plan you can follow with confidence. Get the peace that so many people are missing from their retirement. Find out how having a written plan can make a difference to your retirement dreams. Call now to schedule your complimentary, no obligation, full blown Financial Review today.


Speaker 1 [00:11:19] Welcome back to the Money Puzzle. I’m Randy, Major and Brian. Chris and I are chatting about retirement myths today. This is a great show we’re having, isn’t it?


Speaker 2 [00:11:28] Yes, it is.


Speaker 3 [00:11:28] This is one of my favorite topics.


Speaker 1 [00:11:29] Yeah. And I really feel the one I hear the most is living on less in retirement. Myth or not?


Speaker 3 [00:11:37] I totally. Yeah, completely. Well, so the interesting thing is you hear that a lot. You hear it on TV and everything else. Oh, you live on, you know, 80% or 70, 70% of your normal, you know, working spend. We just don’t see that I’ll be on. And in fact, when we actually run the numbers and we do a financial plan, in most cases, when you agree that we wind up seeing that client spend more the very, you know, several years once they get into retirement and they were spending while they were working because they’re just able to do some things now, it’s like, hey, let’s go spend some money and, you know, do some traveling or, you know, charity work or whatever the case is. We also call it we often call it sort of they’re now pursuing their passion field. Right. Which can cause, you know, sometimes they spend money. So we often find that that that they do spend more. But but here’s the here’s the interesting thing is I can’t imagine working for 40 plus years and being, you know, let’s say you’re spending average $5,000 a month. Right. And that’s kind of what you normally have spend that’s sort of your lifestyle and then say, well, I’m going to retire and I’m going to live on or now I only have to live off 30 $500 a month. Who would do that? That’s not while that’s certainly not why I’m why I’m working so hard and saving is so I can spend less less in retirement.


Speaker 2 [00:12:51] Who looks forward to 25% pay cut? I mean, nobody does that.


Speaker 1 [00:12:56] Right. But I think it’s just, you know, you have that term fixed income in your mind and it gives you instant anxiety and you think, oh, gosh, well, you know, you have these big dreams for retirement, but can you make them reality? Well.


Speaker 2 [00:13:09] And the big dreams are the biggest part of the myth. There’s a concept that during your retirement years, you have go, go and slow go and no go. The concept there is that that first part, that first third or ten years or so of your retirement years, the go, go, that’s when all these bucket list items that you’ve come up with for your whole life, all these things that you’ve always dreamed of doing, that’s when you’re actually going to experience them while you’re in your younger years of your retirement. Those things are expensive. So to Brian’s point, you’ve it’s it’s not a pay cut. It’s frequently it’s a pay raise. In order to live out those dreams, you’re going to have to give yourself a pay raise to pay for them. So that’s why living on on a fraction of what you were total myth.


Speaker 1 [00:13:52] How good does it feel when you’re able to debunk this myth for your clients to be able to tell them you’re all right, go ahead and live?


Speaker 3 [00:14:00] Yes, I got a perfect story for that. So we had I had a client that came in a number of years ago. He was is working in a high stress sort of retail environment. And we went down this road and he was like, hey, well, you know, I didn’t know that this is about what I spend. I need to know that I can continue to maintain that lifestyle. And so it’s it’s a really cool story. So we wound up doing a financial plan for him and he had said, well, we got finished. And he was like, Well, what if I retire a year earlier? This was in 2018. So his that was his goal 2018 want to retire. And he was like, well, you know, can we run the numbers and make sure that I’m going to be successful if I retire in 2018? Like, yeah. So then he came back and said, Well, what happens if I retire to those 70? Do I have to adjust my lifestyle? And he reran the numbers and said, Absolutely, you can retire, no problem whatsoever. So he retired at the end of 2017. Six months later, he got diagnosed with prostate cancer. And he he said, before I go through treatment, I’m going to go do one thing I’ve always wanted to do, which was the bike peddle, bike, not motorcycle, but pedal bike. The entire quest from one point to the other, they did it, came back, went through all of his treatments. And, you know, we kept in touch and all that good stuff. And afterwards, which is pretty interesting, he said, There’s no way that I would have made it through that treatment the way I did. And he’s he’s in remission now, which is really cool. But he said there’s no way I would have made it through that had I not done the plan and known that I would have been successful retiring because the stress of my career would have been too much, although I would have made it through it. Wow. But then key thing is, he has spent the same amount of money every year, if not more in some cases because he’s a little bit of a spender and he know he finally. So I’m talking about when he sees this, but we joke about it all the time, but really he’s never once deviated his income and he’s still going to be successful. Everybody comes in, we stress test his portfolio again and he still is still going to be successful. So he didn’t take a pay cut. It’s a matter of fact. He spent a little bit more I wrote afterwards.


Speaker 2 [00:15:59] So I was thinking, you know, I’ve got a client that I started working with a couple of years ago and he has some health issues and it’s a concern that he’s not going to be around too much longer and she’s going to live for a really long time. And he’s working three jobs trying to save up enough money. And they thought, yeah, we’re going to have to take a 20, 25% pay cut into the question, the asking it. We sat down with him about a year ago and said, okay, the one job that you have that is really stressing you out, it’s causing a lot of consternation with both you and your wife. She’s just worried sick about it to the point that it’s it’s harming her health. You want to know when he can quit that job? Now, here’s the numbers we can show you. You can quit that job now. You can continue working the other less stress jobs if you want to. But ultimately, you can retire whenever you feel like it and you can continue to pay yourself the same amount of money you’re making now, or even give yourself a pay raise. And it’s a fantastic feeling. And there’s there’s usually tears in those meetings and they’re tears of joy. And it’s so much fun when you get to go through that with somebody.


Speaker 1 [00:17:05] A perfect example, just to give yourself that peace of mind is why it’s so important to come and sit down and meet with professionals and know what they’re talking about. I mean, it’s just so worth it.


Speaker 3 [00:17:15] Yeah, it’s absolutely why we do why we do what we do. And it’s it that is the biggest reward we get is that we get to sit down with a client and say, you know what, you don’t have to take a pay cut in retirement. Now, you can still make it and just see the you know, just the sheer joy on their face to say, you know what, that’s awesome. I can go do that and it’s great. That’s literally why we’re in the business.


Speaker 1 [00:17:33] So let’s talk about a more conservative investment risk while you’re in your retirement years.


Speaker 2 [00:17:39] SMITH Yes, absolutely. So we’re that myth comes from is all right. So I’m in my working years and my investments should be, you know, fairly aggressive because I’m still putting money into it. Now it’s I get to my retirement and I’ve got to turn everything down so that I don’t lose too much of a more conservative portfolio. And there are actually it’s a product called a target date fund that you see in a lot of 401 KS that are designed to do exactly that. Here’s where it’s a myth. Your your retirement is going to last 20, 30, 35, maybe even 40 years for some people, especially people who are looking to retire in their late fifties, how how conservative should your investments be that you’re going to be using in your eighties when you’re only 60 years old? That’s 20 plus years away? Well, if you were 40 years old and you were investing for your sixties, would you be conservative with those? In my opinion, no, you probably shouldn’t be. So yeah, it’s a myth because your retirement lasts over a long period of time. So you should have multiple types of investments during that window of time.


Speaker 1 [00:18:51] Oh, well, thank you so much. You know, we have to take one more quick commercial break, but we have much more about this. When we come back, do you want to remind the viewer real quick about the offer you have for them today?


Speaker 2 [00:19:01] Absolutely. So for the first ten callers, 18449005210. We’re going to offer a complimentary financial plan. Come in, bring all your puzzle pieces. Will help put those together, find out what that looks for you so that you can make good, educated decisions on all of the retirement things.


Speaker 1 [00:19:20] Absolutely. Well, folks, the numbers on your screen, we’re going to go to a quick break, but I do encourage you to go ahead and give us a call. The phone lines are open 844 952 ten. More about retirement myths when we return.


Speaker 5 [00:19:35] As a good saver, you’ve been putting away money during your working years. Studies find that the biggest fear of retirees is running out of money. Market volatility isn’t just a downward movement of stock prices. It’s the size and frequency of change. The more dramatic the ups and downs, the higher the volatility. This can put savers who are newly retired or a few years away from being retired at greater risk. Today’s generation of retirees is not receiving traditional pensions, as our parents or grandparents did. Instead, we have retirement accounts such as 401 KS or for all three B’s. These accounts typically expose your money to market risk. The last thing you want right before retirement is to lose a portion of the money you need for income. But how do you turn these accounts into a retirement income? Is it safe to keep all your retirement money sitting in the stock market? The last thing you want is to lose a portion of the money you need for income due to market loss. By working with a financial professional, you can learn how to turn a portion of your savings into an income stream for life and income for the life of your spouse. If you’re married, we all have moments in our lives when we wish we had taken action sooner. Don’t let procrastination rain on your retirement parade. Act now before it’s too late. Please call our office to set up your no cost, no obligation retirement income review today.


Speaker 1 [00:21:02] Welcome back. I’m your host, Randy Major. I’m talking today with Brian Ramsey and Chris Vaughn of Family Wealth Planning Partners, having a great show about retirement myths today. All right. Let’s just dove right back in. We have a lot more to cover, Chris, is all debt bad?


Speaker 2 [00:21:18] What you do hear that one lot. And I think, you know, where that comes from is people that debt comes from spending. And if you’ve got a spending problem, then, yeah, you can see where debt would be a bad thing. But all debt being bad, especially in retirement. Not necessarily true. I began working with a client not too long ago that called me up and she said, We’re getting ready to retire in January. So we were only a couple of months out and we own a couple of pieces of real estate, our own and a rental property, and I want to pay those off out of my 41k before I retire. I said, Well, you know, how much money do you have in the in those for one case? Basically, they were going to deplete their entire retirement savings in order to be debt free. I said, you know what? Before you do that, let’s let’s sit down and talk. And we developed a financial plan and we said, okay, now we’ve got our plan laid out. We’ve got our goals here. All right. What happens if we pay off those debts that you’re talking about in in in their entirety right now? It took the probability of success, which is one of the big drivers in the plan. It took that probability of success well down below. Where anybody was comfortable in her concept was. But I was always told, you’re supposed to pay off all of your debt before you’re retired. Well, that makes sense until you actually see the numbers. So in this particular case, what we what we decided to do was we were going to pay off some of it, but the rest of it, because the interest rates on that debt are so much below what they’re getting on their investments, it actually takes their likelihood, their probability of achieving all of their goals way, way up. So debt is not necessarily a bad thing.


Speaker 1 [00:23:08] So I think I like this one. So are you saying I can tell my husband that my spending habits are okay?


Speaker 2 [00:23:13] You know.


Speaker 3 [00:23:14] You’re good. He just needs to say no. I’ll add one thing to that. So is all debt bad? No, most debt is bad. I think we all agree. You know, student loan debt. Credit card debt. Yeah, that’s bad debt, right? Let’s pay that off. Mortgage debt. Not necessarily a bad thing. And I’ll go back to the conversation. We had a couple of shows ago. We were talking about sort of that, the arbitrage, right, of using cash versus paying down debt. This is a conversation we have a lot with clients and it’s if you’ve got to and this is an example is you have $200,000 in cash, you have a 2000 hour mortgage. Is that mortgage bad? Well, I don’t know. Let’s see if it really comes down to where is your money most effectively used for you? So let’s let’s paint the scenario. You can pay off debt. Let’s see. Right now, a 30 year mortgage is three and a half percent, maybe something like that. So you can pay down three and a half percent debt, but that takes $200,000 out of a portfolio and it pays off that debt. That’s great. So it does make you debt free and that’s a good thing. But you can also take that same $200,000 and put it in the market fairly conservatively and get 5 to 7%. So the question is, where is it most effectively used for you? Okay. And this is where I think we where we come into play with clients. And probably one of the most important things we do is we provide the clients with the data side of that decision. What are the numbers tell you you should do? Because in almost every case, I will tell you that the numbers are going to tell you to keep the money in the market and keep the mortgage. Okay. But then there’s the emotional side and sometimes the emotional side will outweigh the data side. As an example, one of my very, very close friends, actually, a fraternity brother, he he called and he’s like, you know, I got this bonus. I’ve got, you know, I want to do what should I pay my mortgage? And I’m like, well, let’s go to the numbers. So we literally go through the numbers and I was like, did the number sorry? I said, Hey. And I call him and I said, Hey, the numbers tell you you shouldn’t do it. And he’s like, Yeah, but I just want to be debt free. That’s all I’ve ever wanted. And I’m like, They pay it off. Don’t disregard what the numbers tell you because that emotional side will outweigh the number side. Because if you if you don’t do that, you’re going to sit around at night and go, oh my gosh, I’m still making a mortgage payment. But at least whatever information.


Speaker 1 [00:25:32] That you your stress is what you should adjust in your portfolio, because the whole idea is to retire stress free.


Speaker 2 [00:25:38] And then the plan will give you the data so that, okay, now I understand what’s going to happen if if I do this, if I pay off this debt. Here’s what here’s how that affects all the other pieces of my puzzle. And that’s why it’s so important to do it that way.


Speaker 1 [00:25:53] Well, guys, we only have 2 minutes left in the show, so I have one more quickly. Is Social Security benefits? Are Social Security benefits taxable? Or not in retirement.


Speaker 2 [00:26:02] Absolutely, they are. It’s it’s really it’s the only true double taxation. You know, you paid taxes to have Social Security and then based upon your income and retirement, this is where it gets a little complex. You’re going to have to pay taxes on your Social Security that you receive. And it’s interesting because it’s done in blocks and you hit that whole block or you hit all of the block above it. And it’s it’s zero 50 and 85% of your Social Security is subject to tax. So it’s easy to show scenarios where getting a very small pay raise or taking a small amount out of your IRA will actually cause you to pay more money in taxes than what you took out in the first place. So it’s very much taxable.


Speaker 3 [00:26:46] Yeah, I’ll say I’ll say that Social Security’s probably the most important decision you make throughout your lifetime, financially speaking, because once you turn it on, it kind of is what it is. But that Social Security piece, you have to know all the pieces of your financial puzzle to understand when to turn that on. Because if you turn on the wrong the wrong time, it can be taxed.


Speaker 1 [00:27:05] You get a redo if you turn it on.


Speaker 3 [00:27:07] Well, you really don’t get a read. You don’t you don’t get a redo. So once you turn it on, it kind of is what it emitted. Although I think in a couple of shows ago we said that we did have a client that turned it on one month and they came in to see us and we actually did go back and reverse it. But wow. But that’s not is not.


Speaker 2 [00:27:21] Unique situations where you can do that just work under the assumption that once you make that decision, you’re committed for the rest of your life.


Speaker 1 [00:27:28] Well, thank you for such good information. We only have 30 seconds left. Let’s remind the viewers what they’re going to get if they call today.


Speaker 2 [00:27:33] Give us a call today. And for the first ten callers, we will do a complimentary financial plan, help you put all the pieces of your puzzle together in a way that works for you.


Speaker 1 [00:27:44] Thank you so much. Thank you. Viewers at home for spending time with us today. The numbers on your screen, please do give us a call and have a beautiful rest of your day.