18 Burst results for "John Conley"
"john conley" Discussed on WBZ NewsRadio 1030
"Making. And I think most people really underestimate swing from 70% of your full benefited 62 to 125% of your benefit at age 70. I mean, that's an enormous difference between 62 70 that is permanent. Inflation adjusted lifetime income, So write on paper on a sound bite. It pays to wait until 70. But I know what you're going to say. Not everybody's the same. Not everybody is the same. No dough two people the same, but I mean, the way she put it. It's perfect right? That swing from 62 to 70 is such a large swing. Not only on top of that it's inflation adjusted after that, right? So I mean, if it's a lower number, and you're getting 2% inflation off that 70% number. It's obviously gonna be a lot less than what that 125% number. So it's almost like he's a little compound has a compound in effective if you defer wrote too, so If you strategize again, not only JJ, is it Is it a extra 55% in benefits if waiting over that period of time, But the tax impact awaiting that it could potentially have on it is well is a huge, huge benefit, too. So when we sit down with people that are thinking about or they might have a preconceived notion about some security and their strategy they want to put into motion. I always just liked to show them right. My job is I always say my job is an adviser is to try to teach people and educate them on the options out there, and ultimately, it's there to sit right if I didn't do a good enough job, educating them. And they choose the wrong decision, then shame on me. But I do like, just make sure people are aware of the options. But what the impact of those options on your specific retirement plans are And here's the beauty of sitting with with you guys at Ruby known land wealth partners with you. Ryan with John Conley with Sam Lang is that you guys run these numbers un emotional to the situation s O. You're able to run the particular client families, numbers all their accounts and and you know, whatever it is that you guys do to really give you a good look as to win the optimal time is to take Social security, but not only for you as an individual, but for your spouse to in that. That's where the power comes in. Yeah, And we just talked a little bit about Roth. Conversion is the last segment. We talked about it many episodes or shows this year And if you do claim so security benefits prior to, you know, talk. It has an impact in Fleiss of Roth conversions. You, Khun do so There's like a trickle down effect that if you do claim so security benefits that almost takes away a lot of planning options or strategies that you can kind of put into motion while you're in your sixties. Well, well, if you have questions, they have answers for you. They could help you with the 3 65 retirement plan. Allow me to give you their number. In case you would like to reach out to them. Maybe you want to do that today. Maybe you want to wait till Tuesday. So we're kind of all back in the swing of things going into the fall after Labor Day weekend. You can do that at 61744093 65. 61744093 65, and they're always available to you on their website at 3 65 retirement dot com Again, That's 3 65 retirement dot com. Some great information that way you can continue learning more about Social Security as we're talking about here taxes as we did earlier. In the show, and now I want to get into income because that is the bedrock of any retirement in the bedrock of the 3 65 retirement plan. Have you ever tried to figure out how much money you're going to need to ensure a comfortable retirement? That's a big question. Will those who have tried 40% say they need at least a million bucks, right? I'm sure you get this question asked on a daily basis, how much do I need to retire and cannot retire comfortably? How do you answer that question? Yes. I mean, when I posed that, too, when I'm sitting down with potential clients. Ah, lot of times they do say the number and I tryto explain to them You're kind of looking at it in the wrong fashion. It's not about the number. That number which will get into me could mean so many different things. But It's about what that number produces and how much actual income you need in order to justify your expenses. Lifestyle Except for for the next, you know, potentially 30 years. It's not about the number in the bouncing ball that the old commercial, they're orange, nameless. It always said the number, but it's about the income that that number produces. And how that accounts invest. It could mean so many different things. You know, I heard Sam laying, speaking with a listener this past week, and I guess she asked him. You know how much do I need to retire? And he said the basically the same thing you're saying right now? Well, how much do you spend? In retirement. How much do you think you're going to spend? So it takes a little bit of time to answer these questions. It does. And how much you spend is definitely the question I start with and hopefully if they hadn't faded, Oh, prior to sit down with us, we try to give them an exercise or a worksheet to go through and projected as best as possible, Right? And then from there, we take a look at your you know, maybe you're guaranteed income sources. First against so security. You have pensions, maybe rental income, whatever it might be. And then that gap or that shortfall of what you need to what you already taken in needs to be produced from your retirement accounts and this birthday. It's not about that is that a million dollars $2 million because those retirement accounts could be very, very different from a tax standpoint, which we just talked about, too. It could be a Roth IRA. If you have a million dollars in a Roth IRA. It's a lot different than a million dollars in a pretax, regular IRA or 401 k interesting. So you know, I'm just using numbers from a couple of numbers is examples. Let's just say you're taking over 4% from both of those accounts will 4% on a million dollar. Roth IRA is 40,000 in your pocket, Right? That's your net income because you don't have to worry about taxes on that. Roth IRA. If you're taking on 4% from a million dollar regular IRA or for one k 403 B Well, yeah, you get taken out 40, But a portion of a 40 now has to go to.
"john conley" Discussed on WBZ NewsRadio 1030
"I hope you're learning as much of our retirement from Sam as I did. Now, just don't lose the money. Today. We're talking about the three types of investment and retirement accounts that you may have taxable means you pay taxes on the interest that you make deferred. Basically, you're 4._0._1._K's, and you pay taxes later on that perhaps higher you never know and then tax free, which is essentially your Roth you pay taxes now, and you don't have to pay taxes later on in retirement. So which is best for you. Well, that's the question that you have to answer with Sam with Ryan with John Conley at Rabin partners because you are individual. I think about this guys. And and you know, perhaps, we're doctors perhaps we're lawyers construction workers, whatever the case may be we shouldn't have to be, you know, pressured into becoming retirement planning specialists either. I mean, that's going putting in my best for sure. Yeah. We relied on my own doctor. That's for sure. Me be my carpenter. And and it's just I think we put so much pressure on ourselves to have to go at this alone. And you don't have to they're giving you great information here today. So to recap this guys here on the final segment taxable accounts kinda just recap what a taxable account is. You know, it's it's like, you're everyday ordinary stuff laying around Caen your brokerage account for most people they're thinking about the Bank accounts, maybe some CD's, and I think that's one of the components that John you, and I see a whole lot of nobody wants to pay taxes. Right. I don't know. Do you know, no me neither? You know, we think about Bank accounts. Wow. They don't pay a whole lot. We find a lot of people not having enough money in these type of sort of emergency taxable vehicles. And there is really John. You know, we talk every show we talk about different, retirement strategies, and choices you talk about mutual funds ETF's this and that and all, you know, north west south and east everywhere. But no matter where you put your money it falls into one of these three categories the taxable tax deferred or tax free. And I think taxable. You know, I think it gets a bad rap. I don't think there's anything wrong with having just sort of money laying around. Yeah..
"john conley" Discussed on WBZ NewsRadio 1030
"It's their tried and true plan for retirement step number one. We've been talking about in the previous segment, which is discovery finding out what you have step number two process. Step number two is analysis. John conley? Tell us a little bit more about step number two. So might we put the time and effort in the first meeting to gather all the Intel from the client what their goals. Expectations are and we took a look at what they have. And in this analysis phase, we're gonna shine a bright light on exactly what they have how it works. What fees are they truly pain? What are the expense ratio that they're paying on top of the management fees? And we're going to show them how their portfolio looks in most likely will perform in good markets, bad, Marcus. Okay. So we're going to show them what their standard deviation, which is how much risk are they really taken versus the return. And oftentimes when we see it with people the various apprise at how much risk that truly taken. And where they thought they might have been more conservative than aggressive. John you and Ryan you guys do such a great job in doing that in many meetings. Where people are like really I'm taking on that much risk. I thought I told my guy to be really concerned you able to point out. That's not the case at all. In fact, you are earning far less than you should be with the amount of risks that you're taking Mike. One of the things that we've found in our practice over the last two decades is that people they tend to depend on things that used to work the traditional methods, and you know, if you think back back in the day like I look back at when my parents retired. I mean, they didn't have to think this much, you know, they they worked at the same company for thirty five years. They retired. They have a pension. They can rely on. They have social security that they can rely on whatever they saved, you know, they only need to take a little bit from that. And today, I think it's a lot different when you agree, John. Yeah. I mean, we used to call it the three legged stool that doesn't exist anymore. It used to be you got a pension. You collect the social security and the third part of that leg was it came from your savings investment. So the step to the analysis phase is really important because I think most people would agree in you as you go into retirement, you're going to really rely very heavily on your savings, and you want to make sure that's performing correctly. Net set to we kind of touched upon it earlier when we talked about the plan was a lot of people have money. Now, we're gonna come up with the idea of how do we get income from these investments, and what happens is what the income? We have to make sure that we take into consideration. What is the taxation of those funds? So a lot of people have will call it a million dollars in an IRA. And they think I million bucks. I'm just going to withdraw what I'm short every year from this IRA forty grand I'll take out forty thousand. They haven't taken into consideration that uncle SAM's waiting for his his hand out. So to say if anybody's listening, you're saying, hey, you know, that could be me. It sounds like me. I I have some savings. I have a bunch of accounts. But really haven't thought about all those things that John just spoke about I'm give us a call. We'd love to have a conversation with you. Maybe it's just a phone call. Maybe maybe it makes sense for us to have a face to face meeting. But, you know, have that conversation and get that thought process started, you can reach John, and I and Ryan will be happy to sit with you. I'll phone number's eight seven seven six. Three zero eight seven eight seven again, it's eight seven seven six three zero eight seven eight seven Mike we were talking earlier about sort of the traditional ways, and sometimes they still work and other times, they don't well for Sears. It's definitely not working. We're at a serious door.
"john conley" Discussed on WBZ NewsRadio 1030
"Going to learn a lot with Sam Lang, John. Conley guys. How are you? Welcome to the weekend. Great, mike. How are you? Yes. Sunday funday. How about the last couple of days here in Boston? It's been electrifying. I'm not getting any sleep. That's for sure. With the Red Sox? The World Series has been a lot of fun. How about you Johnny getting some sleep not much sleep? But you know, the the Red Sox got the city electric and enthused. What's going on with? Absolutely. Yeah. Again, congratulations to the socks on the big win. They've been in the World Series now thirteen times and have won nine of those championships. So unbelievable, and there's some financial and retirement planning lessons that we can learn from the game of baseball. It's a long season Sam, and so is retirement planning. And once you're in retirement that's a long season to twenty to thirty. It's a long season. Just like, you know, retirement, you don't just wake up one days. Hey, you know, I guess what I'm going to quit work and retire and everything will be hunky Dory. Planning process that gets you that point. And then you want to make sure that you're comfortable going forward the seasons a marathon in no, no different than investing in retirement. You can't take a snapshot picture of what's going on. Today, you have to take a long-term holistic approach, John? We get these calls. We have conversations with clients and radio listeners about how bad the market was yesterday or how great the market was yesterday and just to use an analogy in baseball. Homers grand slams, even a fantastic exciting. But you know, what what really does the trick are the singles and doubles those. So it was the game when's the game? So it's not like, you know, retirement is based on what you're accounted yesterday based on over time, and John you said it best. It's a marathon. And guys, you know, the game is really simple if you break it down to it. You throw the ball. You hit the ball you catch the ball and you try to outscore your opponent. So the basics if you stick to the basic is probably cringing right now. Basic it is right. You're going to do just fine. And you know, what it comes down to the basics. Like, you just said, which your basics is your two simple rules rule. Number one. Just don't lose the money and rule. Number two. Don't forget rule number one. And that's really the DNA of Rabin language brings us to the three sixty five retirement plan. Let's break this down. Because a lot of people. I understand call. You guys want to know what the process is. Let's break the three sixty five retirement plan down on every Sunday. We're here to educate people throughout the week. We're here to educate people as well. And it's not done by just one sheet of paper, or this is what you should do. It's with a process, and we have a spy step process. And the first step is really, I think one of the critical components of having a good adviser client relationship, which is relief us to listen. And discover what somebody's trying to do that's been DNA to sort of educate, and listen and understand, you know, John everybody has different goals. Sometimes we. People and some worry more than others. So I would say some have small concerns have big worries, and you can't really identify what those people need to do to. We figure out. What it is that they're concerned about. Yeah. No, no to retirements are alike. Some people wanna travel some people want to be down to Florida for six months out of the year. So in in that, I mean, what what we wanna do is get an idea of how these individuals envision their retirement. And then we want to do is take a look at what are they doing? What have they saved how much income do they project to knee? What are they gonna grab? That's exactly right. So we want to get an idea of what are they've been doing. And in that first meeting we're gonna ask a lot of questions. They're going to do a lot of the talk facilitate the questions, we do a lot of listening, and that's really the first meeting. It's not just hey, ten minutes. Tell me about you. It's an entire hour. It's a process we call that discovery, and John you said. It's not it's not really always just about money. It's about lifestyle. You know? Do you want to be in Florida for six months, maybe you could care less about traveling? All you wanna do is get the grandkids off the school bus who knows. But it's all about understanding what they're trying to do. And then look at what they've done will match up. We'll do the job will support their lifestyle. And that's one of the most critical components of really a good relationship at first step understanding what they're trying to do. We want people to come in about five to ten years from retirement because I think that's a crucial time that allows an individual will say five years out. They want to retire. We started taking a real close look at what they have with the envision in that five years has got to allow us to really if this changes to be made it's going to allow us enough time to make the necessary changes that are going to have a meaningful impact on their retirement with going on right now sort of very roller coaster in in terms of the market and the economy. What is? Risky to one person might not be risky to another person. You know? So we wanted to discover all that right from the beginning. And we'll say TI cref chief Roger Ferguson sums up. What you just said brilliantly in his last speech here. We know at some point this will slow down. We don't know when so if there's a ten percent correction power that make you feel if you think you can live with that then stay relatively fully invested. If you think something like that might distress you then poor back a little bit TIAA cref chief, Roger Ferguson, so John is that the question that people need to be asking themselves. How much risk am I willing to take before running out of money might exactly what happens is when we sit down with individuals. We go through a pretty thorough analysis to check a person's risk tolerance. To gauge how much worse do they really want to take? And you know, you hear an individual say would you get uncomfortable with a ten percent loss? Us and we ask our clients that all the time in oftentimes they say, well, that's a big loss. I would never feel comfortable with that. And if they don't have certain tools in place, currently, they take it on one hundred percent of the potential loss. It's amazing. We had you know, the the lottery and the fever mega millions, and the, you know, one point six billion dollars a few weeks ago. The reality is this. I think people John you put it very well. They don't really know how much risk they're taking, you know. I sat in a meeting with you. The other day was shown a morning star report. And these people said to you, I'm very conservative, and you actually pointed out to them that they were far from conservative. Yeah. I mean, when we do these reports from me go through the process with individuals, especially today like you wash the stock market the US economy has been doing well. But you know, we're seeing the volatility of it lately is easy for people to say I want to become more aggressive. I want to chase the S and P returns and not have it disciplined approach in have a well, diversified, balanced portfolio. So these times volatility that we've seen we have to remind people. Now's the time to be disciplined into follow that process of the threat. And also understand the risks of the taken. I was talking about, you know, mega millions, and there's no way I would spend twenty dollars to try to win thirty dollars. I know I stood in line buying those tickets, and I spent twenty bucks because the part was over a billion dollars. It was worth the chance was worth the risk. Sometimes really not worth the risk. You talked about having a diverse portfolio. Does that mean having a bunch of accounts? No, Mike, and you know, we have people coming here each and every day they come in with the box full of statements different accounts, different 4._0._1._K's old IRA's from all the different employers in it's like a roadmap of where they've worked over their lifetime. And I think most people have an accumulation plan. Everyone is saving money for retirement to a certain degree in their 4._0._1._K's, Roth IRA's and so forth. But no one really has a plan of you know, are they all working together. What is my retirement plan? Are we on? Track. And that's what the three sixty five plan helps you do as we take a look are you on track? And then in our next meeting, which is the step two, which is the the analysis. We're going to shine a bright light on what their financial picture looks. Like, what do they have what are the truly pain and expense ratios, what are they truly pain in fees to their adviser in if they never changed anything if they kept that plan, what is to projection of their financial future looks like with their social security with their pension. Maybe four one K required. Minimum distributions are they on track. And we're going to shine a bright light on what's the probability of success. John. I think you're right. A lot of people just have in mind. Hey, I wanna make more and more and more in accumulation plan on one thing I think we bring to the table is we want to make sure that while they're diversifying the accumulation. Phase. We want to make sure they have diversified source of income, which is really. In my opinion, when you retire the most important thing like way to get reliable income to pay your bills into you know, enjoy the weekend going out to dinner. So a lot of those things is what we discover in that process. And you can't just hope you're going to have enough in retirement. You can't just hope you'll be okay. You can't just, you know, keep your fingers crossed you need to know, if you're going to be okay, you can have enough income in not run out of money. You can hope that you're gonna win the lottery, but it's not a good idea to hope that you're going to be okay in retirement for twenty to thirty years. That's why Sam John Ryan. And the team at Rabin Lang that's why they're here. And that's why.
"john conley" Discussed on KIRO Radio 97.3 FM
"We're going to find out what's ringing candies. Bell candy. What's ringing your bell? I found a ton of new and interesting workouts for you Dom, including acts throwing signed a fell out. All that sounds good. I wanna try something. Interesting tonight. Goes. Headlamps headlamps. Yeah. Dr election out. What are you talking about here a little bit next sorta have a a personal revelations a little bit embarrassing to talk about with? I will. I felt like he was a good time to talk. About sounds good woke up to this news this morning. His name is Whitey Bolger. Did you hear about this story? Evidently, he's eighty nine years young and Whitey Bulger. Of course was in the mob back in Boston. And then he he was arrested and placed he's about to be placed in prison back in one thousand nine hundred five because they had a relationship with an FBI format by the name of John Conley. And ran number of books about this kind of interesting is what he Bolger. Of course, he was the head of the mob in Boston. He would give John Conley information. And then John Conley FBI would kind of look the other way is Whitey Bolger would not only kill people, but have them dismembered. And some pretty awful awful ways. In a lot of people felt like John calmly knew about this and didn't inform the FBI, basically what he knew agent Whitey Bolger new in fact. Brother also was elected to Senate became a very powerful powerbroker in the state of Massachusetts. Did he Bolger knew that he's going to be arrested back in nineteen ninety-five? In fact, if you look at the FBI's most wanted list, he was number two Osama bin Laden was number one. And next thing, you know, he disappears and he goes to a place in Santa Monica, California. In fact, by the time he is arrested a number of years later in two thousand eleven they find eight hundred and twenty two thousand dollars in cash in the walls when the agents get there, and they'd been looking for him for years, and they knew that he was with Carol. In fact, Carol Gasco was the name of his girlfriend or the supposedly of his girlfriend. They've been on the run for sixteen years, and what the FBI started to do is. They started to look for specific patterns, what would his patterns be what would her patterns be. And they got a tip from a neighbor, and they tracked her down I and as I started tracking her they tracked her to him. He was sitting in his chair one day Santa Monica, California. The next thing, you know, the FBI agents they come through the door. For and why do Bolger his now than arrested? So he goes off to a federal prison, and he was being moved in the last twenty four hours, and he checks into a federal prison back east, again eighty nine years young, and he is murdered. They say that he was beaten to death, and they say it was by two or three inmates. They believe that were connected to the mob. I know people were still connected to the mob. I I didn't know you could still get wacked, and I didn't think that Whitey Bolger could get whack and think about this think about this. They could have protected him. He could have been in protective custody. They had to know when they allowed him into the general population that there would be inmates because they know those inmates inside now they had to know that there are inmates within their prison system that was gonna whack Whitey Bulger in that happened today, by the way, he didn't like to be called Whitey even called Whitey ever since he was a little boy that really bothered him. But sometimes you get a nickname in the nickname. Sticks. He had really cool boots. When he was a kid, and he always wanted to be called boots. And no one would call them boots. They call them Whitey because his hair was white as snow and same thing with me when I was growing up all my friends, call me the block because there's a lot bigger than they were. And I didn't want to be a good nickname. I didn't want to be called the block. I was called the blog. So my son the other day there were some kids at school that we're calling him different names. They didn't like I said, you know, when I was growing up. I said I have some friends call me a name that is because I was trying to relate with him. So I told them about being the block. So now guess who gets called the block by her that he loves it picked him up last night. He looks at me. And like, hey block house the block today, you are eight years old. And then he looks at me and he says data. Hey,.
"john conley" Discussed on WBZ NewsRadio 1030
"Are going to talk about the three sixty five retirement plan which is what we're. Focusing on today you guys are just going to go more in depth than we can't hear on the radio show, so, speaking, of. The, three, sixty five, retirement plan the, last segment, we went, over the. First two phases which is the. Discovery phase and the analysis phase so John Conley take us through. The third step here which is the recommendation once you guys, have put everything into the retirement machine at Rabin oh and Lang that's when you guys create a roadmap for us on what we need exactly so after that discovery analyze phase. We, kinda show the, client what their. Plan was gonna look like if they stayed on the same course that they were on income and so forth so we. Show them what the probability of success, of their current plan was going. To be and then what we do in, in, the, next portion of, the, plan, is. We go, to our recommendations And. In. That, recommendation, we're, going, to go, over, with, them, what. Are investment philosophy is how we're going to try to create the necessary, income that they're looking for for the. Future cash flow we want to maybe diversify their portfolio a little bit maybe take on less risk. Maybe the not it on enough risk so we're. Going to go through each more than their stages of, their portfolio and we're going to give them what. Our recommendation is to help them increase their probability of, success in their retirement yeah a lot of times what they're lacking in that the current. Plan, is is. Income Mike or guaranteed streams of income that's what it comes down to. So. If we can help solve or, make that gap a little bit less a lot of times it increases that probability success yes so we can create something that's going to give them. That guarantees stream of income that they know they cannot outlive but also allows us to have. Their portfolio may be a little bit more aggressive 'cause we know we have that cash flow taking care One thing. We also take a a. Look at for our clients as we. Try to help them manage their tax liabilities within their portfolio the not sitting, down their adviser and doing what we call tax laws harvest in on a yearly basis which is really kind of. Selling, off some of their positions that haven't performed so well captured that loss to maybe offset adverse some gains oftentimes people. Are not doing that and it. Doesn't cost you and then to sit down with your visor and say hey, listen I wanna take a look at the tax. Laws, harvesting salami goal through this retirement three sixty five plan people are surprised that some of the things that we're offering to them that you presented to them hasn't been presented them to them before well. You just have to work with the right people right You have to L. listen to you in put together these plans that are tailored may to you and. Your unique situation but John is. You've said many many times here. On the show income is king and the three sixty. Five retirement plan that's that's the foundation is making sure that you, have that dependable sustainable, income for retirement which goes back to. SAM's to rules neural number one is just don't lose. The money roll number two is don't. Forget about, rule number one. It's very simple there's no need. To complicate things and that again is the recommendation phase as John. Was talking about so Ryan take us through. The, implementation phase yeah ASI. John finishes up if a lot of times people will, go home again, think about it absorbed what we actually just delivered to him and then they'll come back in. For third meeting at, the third meeting they may have some questions which will go through, or they. Say go ahead I'm satisfied with what you put in front of me and I really want to go forward and implement what. You just suggested so we take. Over from there we do a lot of Most of the. Heavy lifting, and transferring accounts. Setting up the accounts lot of. Times it's more than just one account so we set up the. Different buckets in transferring whether it's IRA's Roth. IRA's, old 401K's maybe it's. Joint assets individual assets whatever it might be we do, all the heavy, lifting for we helped them consolidate some of, those accounts oftentimes people come in they get like. Three IRA's to Roth, IRA's they just have stuff all over the place so part of, that plan. As we're able to consolidate some of these portfolios in plan so that we can actually make one big portfolio plan as you. Say John we like to organize. That jumped out for you Because, a, lot, of times. A lot of folks have a, lot of, careers and. They forget about 401K's and IRA's at they've perhaps left behind that that's a great thing. Guys because I think a lot of people they don't want to have the responsibility or they don't. Know, the know how on how to find these these retirement, account so that's a that's a, great benefit and again we're talking about the three sixty five. Retirement plan if you're listening and you want some more.
"john conley" Discussed on KQED Radio
"Assist mission it was necessary, for for us to come back in here in a couple of years ago if that had. Not happened I would imagine that Hellman would be pretty solidly under the control of the Taliban right now All remaining charged the Taliban still, control list of Howland half load so at night US marines elimination rounds to deter any attack As well, as low, wage artillery rockets targeting enemy positions The the training. Of the Afghan army and they need all the, help they can get. Years of heavy, freezing ready depleted their. Ranks Lieutenant Colonel John Conley says they've suffered heavy losses the call right now, sitting at about thirty percent For manny Eighty percent of what it. Should, be yes It, is but there's a time time in recruiting constant advising and the senior leadership will improve the. Situation Britain may have turned. Its back on Helmand the. Thanking the capital Kabul hundreds of. Troops is, still providing security with a claim the, strategy is slowly working this is our SAT a two These Welsh guards will soon be joined by hundreds more British soldiers the job is to ferry international. Advisors safely around the city. In.
"john conley" Discussed on KLBJ 590AM
"The Bolivia you said Bolivia now a dozen times the Bolivian space for it Let him go eighteen no that's close encounters this jacket up Johnny Pagers this is a great movie Steven Spielberg John Conley brother. Was in this former. Governor, comics brother was in this Susan. KLBJ Bring a. Little sanity is conversation I just finished reading not too long ago the the biography by Meacham of. As George H W Bush. And I noticed while. Reading it and it was about the Reagan administration and h w administration Their dealings with the Russians in my mind is parallel What Trump is doing and if you notice that Trump Source right after the Russians announced that they have a way. Basically blow up missiles and say Star Wars Wes Donald Trump is a lot smarter than some people thinking is or. Maybe somebody else's they're whispering in Deir by the way he handled the Russians is like, to the. Way Reagan dance and I think this space force thing is. Just Kind of like when Reagan, did all. This yeah the outer space the remember that yeah Yeah Neither Russian back. Down I think that's what this is. About Okay it's all Bs in other words. I'm trying I'm trying to follow you This. Is getting jacked, up to. Get them Jack for what Fake fake with Russia right There was no Star, Wars Antiballistic missile Gert Right Right Okay Okay is? It is it really going to you're going to have to spend eight billion or you're not gonna spend eight. Billion That they're really gonna do that Maybe a right then don't take. The eight billion from the tax. That's all I'm yelling about Stop with the spending Totally with you and I also agree that cooperation out for them No I mean I don't know what space is good. For your company that's. Your company's problem satellite got. The. Paging business Ed still. Wearing his pager wait. Get a page here yeah I don't know. If you're right or wrong I don't know I. Just know don't take the money. Then I'm tired of spammy no one's tired. Of spending money no one seems to care about spending money nobody seems..
"john conley" Discussed on WBZ NewsRadio 1030
"Primary place for you to, take that paycheck from. And by protecting that primary place that pool of money. And producing income that's really what what, it is that you need to do income. Is king. And retirement that's the number one concern that we, see when people come in and sit down with us in our office and, that's the foundation of all the plans we build on. Exactly so once a week we share ideas with listeners in, throughout the week Monday through Friday we're. On our office we're headquartered in Newton Massachusetts we have another partner who's on not on the show today John Conley the. Founding. Partners rich Rabin. On myself, and, we've been doing this for. Over close to now I've been saying over twenty five years but it's actually getting closer to thirty years crazy, crazy but the three of us along with our staff we have a boutique company we are in the retirement planning space ideal with the foundation the safer stuff when people come and see us we build foundation first and then my partner john conley and ryan who's on the show today you guys do with helping people grow them on you have to protect and figure out what their foundation is delivered that income that they're going to get we can build around that we can really put the plants around the house the shrubs around the house finishing touch exactly and implant for growth as well as state pace with inflation making sure that you hedge inflation and then we have other colleagues brett and phil who are attorneys thou help you protect everything in sort of just put a nice bowl around that present it's all nicely wrapped for you and off you go into enjoy retirement speaking of that we have a great giveaway this week it's entitled your financial independence worksheet you know it's still on a great time to make sure that you help yourself organized what you have planning ahead is really Critical because having a nice. Retirement just doesn't happen.
"john conley" Discussed on WBZ NewsRadio 1030
"Three sixty five retirement plan can help you weather all financial storms samnang john conley how are you guys welcome to the weekend always a good time to be with you mike how how are you doing great this weekend so excited about today's show because we get to to add another guy that helps you help people with their retirement and that's always a good thing john conley how are you welcome to the great my thanks for having me could hear voice again this weekend i wouldn't be the same without giants for sure the thing that people love most about john not only does he help folks with their retirements but what you hear is exactly what you get john you are just a a salt of the earth kinda guy and that's what people have most about you and i will give you the money later that's the real deal we'll be talking about today well you know there's lots to talk about is always and the reality is that i think you know the the the public message out there that at least john you and i have seen recently is that people are a little nervous you know we've had some ups and downs seems like more downs than than ups recently yeah when you look at the market now sam things are a little more volatile you'll see more red than green lately and that has people concerned which is a good thing that means they're paying attention a little more aware of what's going on yeah let's let's jump right into an i think one of the big subjects recently has been g e sweet talk more about that ge has been removed from the dow jones industrial average which is they were one of the found like i companies to be on the ten years ago have you said that nobody would believe you when you think about ge and you think about where we are in the economy with things are going they've lost twenty six percent value in their stark this year alone i think there are fifty percents fifty two week high from two thousand seventeen so when you look at things like that in in how many people have held ge over the years that this thing is strong and it's a blue chip and can't go wrong with that thank you changing i think a lot of people don't realize that john and i we've been together not only has partners but friends for twenty years twenty one years so we've seen the good the bad and the ugly and really john's forte john's expertise really helping people grow their money your investment adviser representative john do a fantastic job for some of the clients that we see together that want some they you know they want to grow their money and they're willing to take on some risk but today people are really cautious in how they need to do things because nobody likes to lose money obviously no one wants to lose money in for all those like the past ten years or so we've done nothing but harvest gains and that become a habit oftentimes people stop paying attention they just think that's going to happen each week each year they'll get in their statements they couldn't wait to open it i have a feeling the ties to change things are starting to become a little more rocky for us and you have to be more disciplined now than ever for show we took a call the other day the gentleman was saying that you know i've been experiencing double digit returns and without him sane it i got the message that he was going to rely on a comfortable retirement by cheating double digit returns which which is pretty hard to do is very difficult and it's not something that you can count on when we build these plans sam always sit down with clients we wanna make sure that we can kinda come up with a plan for them that is sustainable and i always talk liable reliable and we talk about the sequence of returns with a sequence of withdrawals last thing you wanna do is retired and see the.
"john conley" Discussed on WBZ NewsRadio 1030
"Dan rae on wbz newsradio ten thirty all right let's keep it rolling jameson melrose hey janus next on nightside gerrad ahead and how are you janice okay i only heard sound today but didn't say that he was not actively biased but i i want yeah he said that that he admitted that he didn't like trump but he said that he did not allow his personal bias to impact his professional judgments isn't he's the one who opened the russian collusion investigation i think there was probably done by him in conjunction with others i don't think that he himself open that i had read that he said it was not because of the dossier but did they ask him why it was opened yeah he was asked that several times and i don't think that he ever gave at least from what i listen as much as i could a definitive answer what was your what was what was your reaction to his demeanor today i i didn't watch it i reminded me of james komi the same defense he reminded me of john conley the fbi agent up here who's in jail in florida on a life prison sentence not that he that this guy was engaged in murder but just the demeanor that he's somehow was a cut above i guess is what i'd like to characterize it as well that's kind of what komi defense was kind of indignant that you would question me he'll level of arrogance there and again when he when he made his his his plea at the end about basically saying that we we he's concerned about the damage that was done to the fbi and the people who we worked with it was he who did the damage the wednesday inspector general coming out with a report on the russian collusion at some point that is still in that is still in the pipeline no i don't think so i i would suspect that that probably will be released i would hope would be released before the november election okay i think we have we heard that thanks janice okay good night six one seven to five hundred thirty triple eight nine thousand nine hundred thirty one more wbz's one more like on wbz nightside with dan ray on facebook david david thanks very much don't have much information from david all other than that his name but thank you very much for.
Bode Miller's 19-Month-Old Daughter Drowns
"In the trial of former mobster cadillac frank salami so here from wbz's kendall buhl now it's back to the slammer for fleming this trials very likely the swan song for murderer turned government witness was sung like a canary at some very high profile trials fleming testified in the murder trial of his former fbi handler john conley in two thousand eight five years later against his one time friend and partner whitey bulger threw it all fleming laid bare the details sometimes gruesome of hundreds of crimes and dozens of corrupted cops and federal agents now serving a life term in prison for ten killings the eighty four year old doesn't have much to look forward to other than dying in an undisclosed federal pen and he doesn't have many secrets left to take with them from boston federal courts kendall buhl wbz newsradio ten thirty tragedy today for skier bode miller and his family as we hear from cbs's steve futterman tragic event took place on sunday here in southern california the nineteen month old daughter of skier bode miller and his wife pro volleyball player morgan beck fell into a neighbor's pool attempts by paramedics to revive the child named emmy failed on instagram body miller says we are beyond devastated authorities are conducting a routine investigation steve futterman cbs news los angeles new hampshire a fifth grader there has been getting bullied pretty frequently at school so she took her complaints right to the top eleven year old delaney marcotte told her local school board bullies at the pollard elementary school in plast i won't leave her alone even after her parents told school school officials about it have been threatened to get shot in the head and came forty seven and buried in my backyard school says.
"john conley" Discussed on WBZ NewsRadio 1030
"To the choices that she simply had with verizon 401k plan okay so in there we were able to use a retirement income annuity for portion of the money we called out enough money to make sure that at sixty five show have about three thousand dollars a month more of reliable income we essentially what we really did was we created on pension that's gonna last her for the rest of her life so now she knows she feels empowered she knows at sixty five when she goes out no matter what happens if the market continues to go up fantastic all the better if the market has a you know a little hiccup or even worse than have a two thousand eight she doesn't have to worry because she's going to get close to six thousand dollars a month in income well she only needs five so that's why she feels empowered she knows she can do it yeah and then my partner john conley my other partner ryan marston they were able to put together a terrific sort of customized portfolio folio for her for the rest of our money so they she can grow the money keep up with inflation do all the things that we're supposed to be doing and most importantly have some fun and not worry about where you're going to get income from for the rest of your life now we're talking sam now we're talking you know but in her case will able to do a lot of things we showed how she can pull out some money at between actually sixty five sixty seven and not take social security yet and we were able to show her how she can pull out some of her mutual funds that she's been investing in all the time she was reluctant to get rid of any of that stuff even though she was worried about the risk element but she didn't wanna pay the capital gains tax so we were able to show us some tax reduction strategies and the year that she retired she's going to have.
"john conley" Discussed on WBZ NewsRadio 1030
"For a month then he was on probation within the fbi for a year then he got promoted within the fbi he had a full career with the fbi he ended up in quantico and retired with a full pension that we pay for and he was an accessory in at least two murders by the city he's working for a bank i believe in tennessee i think he's got a wine he's been involved in a wine business too but i just wanna come back i want to make sure i understood i've heard from several sources that john conley actually was served as a lookout for that for the day that halloran and donahue were killed in cold blood down on what is now call the seaport district did he ever confide at you and now he's never said anything like that mainly it was just john morrissey was connecting with that one but he does he told me and he you know he's been quiet all these years on jim bolger has been and he realizes he's going to die and the things that martorana fleming marris have said are going to be what people remember in how they view him and they do i tried to talk to people in media what you bulges awful guy you know but we wasn't wasn't awful guy but they don't wanna hear beyond war they think they know people like a nice simple story complexity sometimes it's difficult did considering that why didn't why do bocce or did you ask him why don't you get on the witness stand he had nothing to lose you knew you were going down anyway i didn't i think he didn't see any sense in in the end and you know the way the trial even tell the story it would have been i am i i can't say i can't speak for merely but in the end i have to tell you that is the jury and the jury pool initially when there are eight hundred of us they showed us the list of witnesses that were to be brought forward in that trial for both the prosecution and the defense and the defense had a long list of witnesses which my understanding is they were denied they could not bring these witnesses forward now i mean that's speaks volumes to me not to mention the fact that even after the verdict came in for sentencing the judge allowed family members to come in.
"john conley" Discussed on WBZ NewsRadio 1030
"Recall and he had a the name was tom baxter he was using if i'm not mistaken and get him pulling this out of the back of my mind in the trial and settled in california seemed to be comfortable there must have been quite a surprise because he was price the only thing he talked to me about i mean i heard it in the trial the only thing he talked to me about specifically was that he offered to plead guilty to the fbi when he was arrested and he would take whatever sentencing they gave him including the death penalty with no no appeal and he only wanted leniency for katherine not that she wouldn't be charged at all but leniency and i can compare they threw the book at catherine the probation department according to a testimony in court the probation department suggested two years for katherine for harboring him they threw eight years after the the assistant us attorneys and the first year was in solitary confinement and they have since thrown more time on her for not answering questions she'll be imprisoned almost as long as johnny martorana was imprisoned for twenty cold blooded murders now johny martorana on the other hand part of his deal of his proffer was that his girlfriend who also harbored him for sixteen years who was actively involved in money laundering she would fly back and forth from boston to florida and collect money and envelopes ten thousand dollars she lied to agree and jewelry and she never spent a moment in prison so again from whitey's perspective what he bulges perspective this is a guy who worked clot he did i i assume that he did not deny that he had this relationship with john conley he said he john conley he page on conley for information he was not an informant he paid john conley for information i have to say jim that for ten days during that trial we talked about the informant file for ten long days and what came out a lot of what came out through the defense questions was the fact that it was not a normal informed file to start with it didn't have the proper cover page it didn't have a signature of bolger there are all kinds of things missing plus parts of it were taken directly from other informants files that were put in prior to they were the date that they put on them on bulger's five.
"john conley" Discussed on WBZ NewsRadio 1030
"Important decision you make right now what are you saying saying nightside with dan rae wbz newsradio ten thirty the studio is a one of the twelve to one of the twelve jurors that convicted whitey bolger in the summer of two thousand and thirteen of a series of horrific crimes i think it was eleven murders that he was four he's in prison where is he now he's down in florida near orlando you said let's talk about his time on the run he was gone for a long time has sixteen years sixteen years did he ever disclose to you how much help he might have received from the fbi to get out of town and to be given the heads up to get out of town he said he had none now he was already he was out of massachusetts coming back to san francisco coming home early on the radio and took off again so he's claiming john conley never tipped him i do i do believe him i also believe that just the testimony in reading things about kevin weeks talking to john conley right around that time things just didn't add up so he said no john conway did not tip him off philly spent sixteen years when the run and was not caught until i think it was the woman who had done the nuxie mkx commercials ticket off take who had lived in does he believe that's how he was caught i he's never said he doesn't believe that so i think he's okay i think it's strange.
"john conley" Discussed on WCBM 680 AM
"What's more than troubling about it is people died people were killed under the supervision of these two men and what i mean that very directly i i'm not playing games here muller was the supervising us attorney over this agent john connolly john conley is in prison for murder he was complicit in the murder with his informants information informants andrew weisman was the assistant us attorney in charge of top echelon informant and the fbi agent linda vecchio who handled him people were killed innocent people were killed a seventeen year old boy patrick porco was killed because of information that was passed between them so these two presided over that so it's either they knew and something horribly horribly wrong happen or it's a question of malfeasance and people died either way and people who are wrongly convicted remain in prison today so yes that's more than troubling to me and i'd say to mr muller quite frankly with all due respect when he says what happened back then happened a long time ago not for the families not for the families of the seventeen year old boy was killed not to the people still lingering in prison you know i i listen to all this and i'm researching this and i said this to you last night on tv to both of you i cannot believe all this time nobody is taking the time to do the deep dive into muller i mean we knew it was the fbi director we knew obama wanted him to more years beyond his ten year term and we know that quote he's a republican that's what we keep hearing he's a republican but he certainly seems to be after donald trump because if he wanted to have any semblance of fairness and not have an appearance of impropriety.
"john conley" Discussed on WVNJ 1160 AM
"Neck and at exited the front there's no way that that happen that back wound was at least six inches below where the the autopsy surgeons are in the warren commission said it was they synthetically raised at wound to coincide with a single bullet theory so i think it's bogus what what they're saying so one um so i think gist of wrap this up what actually happened according to just cya thompson and it is the most cogent theory i've heard in all the books in all the theories that i've read and seen is at the first shot hit the president in the back it was actually slightly to the right of the of the backbone of the spinal column six inches below the caller it did not exit it stayed in his body and it didn't go in that far actually and then he was hit probably from the front in the throat and john conley was hit with a second shot by the way conley has always testified that he heard the shot that hit the president and he had time to react before he was hit so there's no way that the single bullet theory holds up there's no way nato and mainly it with the third and final brutal shot was the one from the right front that are just a thai desire thompson believes was uh what they call explosive ammunition a fringe 'able bullet when it hit the president's head on the right side of the tim in the temporal area it exploded and then it blew out the back of his head i hate to be so graf but i think it proves that the president was caught in a crossfire at least there is no sign of thompson's a theory uh you got thoughts on uh uh sorry as you know i have many well i think um you're you're more well versed having read fifty volumes on that um i think that it was a horrible chapter in the history of our country agree and i don't know what the answer and i and i don't either i you know i and that's the problem we don't know and we do need to know.