35 Burst results for "South Shore"

"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

03:20 min | 3 weeks ago

"south shore" Discussed on Retire South Shore Radio

"From this beautiful studio here in hingham at south your retirement services and we talk a lot about the studio but On a daylight today with the sun pouring through In the tinted windows and the soundproofing it's like being on the biggest radio station on the planet. So thank you for allowing me the opportunity to do it for coming down. I'm delighted to be able to use it together. It really is fun. Marcus here the founder and president of south shore retirement services and. We're talking a lot about the services that he helps people with.

Marcus today hingham south shore retirement service south
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

02:22 min | Last month

"south shore" Discussed on Retire South Shore Radio

"Are you ready to discover what your ideal retirement will look like one in which you won't have to worry about money south. Your retirement services in hingham offers a team of qualified professionals. Ready to assist you with retirement income planning investments in wealth protection tax planning healthcare and long-term care and legacy and estate plan. Here's president and founder of self. Your retirement services mark rolette with more people. Want to make sure they're going to be okay. They wanna make sure that they don't have to worry about running out of money in retirement so our job is that we would help them build a solid foundation to derive the income that they need in retirement. That can basically weather. All storms things like market meltdowns political upheaval. Pandemics things that happen and have unfortunately hopping over the course of the last year or so that could potentially blow up. Somebody's retirement income. We want to make sure that we're able to navigate people through that in a very safe manner. There are a lot of elements when it comes to retirement plan. Maybe you have enough money to retire but are you ready to. Maybe you still have some gas left in the tank and you wanna go for another. Few years I think it's important that you retire to something rather than retiring from something. Have a goal. Have a plan in mind as to how you're going to spend your time because now you've gotten yourself an extra forty to fifty hours a week. So i i think those huge considerations that people should have where you're gonna live is a big one you know from the standpoint of just you're gonna live and also from a tax standpoint. How are you going to address healthcare. Where's your money actually going to get. Are you going to be spending money on certain things that will go away over time like mortgages will they get paid off alimony. Is it going to end child support. Is that finished so we want to build that into. Somebody's retirement strategy knowing that income that they have today or that they need today may not be the income that they need to thank you. Mark call today to set up a free fifteen minute strategy sessions seven eight one eight three six four two one four. That's seven eight. One eight three six four two one four or visit retire south shore dot com..

Mark fifteen minute today last year forty fifty hours a week Few years One hingham one retire south shore dot com seven eight four two six
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

02:09 min | Last month

"south shore" Discussed on Retire South Shore Radio

"And get away for for few days. Well it's It's what retirees are thinking about and doing even as we speak so it's good to live that lifestyle a little bit to understand what the rest of us want. And i'm one of them. I can't wait to travel to get back on a plane and get out there. And i'm making some early plans to do it. Well mark thank you so much as always If people want to reach you they can contact the office. Certainly through the website retire social dot com or that number seven eight one eight three six forty two fourteen to set up a fifteen minute no obligation consultation or an actual meeting if you want to go further right. I mean there's all kinds of we connect with people in multiple ways whether zoom or just starts over the telephone. But i would encourage people i mean like i said things change over time and just because you have a retirement strategy doesn't mean that it should be changed at all but it doesn't mean that it shouldn't be addressed and see if the if the goals and strategies that you have in place are still consistent where you should be so i would encourage people to pick up the phone all right and that number again. Seven eight one eight three six four two one four all right. My friend will see you next week back to work. You take care. This radio show may contain concepts that have legal accounting tax implications. It is not intended to provide legal accounting tax or investment advice by contacting our company. You may be offered information regarding insurance and fixed annuity products. Annuity guarantees rely on the financial strength and claims paying ability of the issuing insurance any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to securities or investment advisory products fixed insurance and annuity guarantees are subject to the claims paying ability of the issuing company. You've been listening to retire. South shore radio a presentation of south shore retirement services for the latest on free seminars to obtain a report or to set up a consultation. Please visit retire. South shore dot com stay tuned for more real world. Retirement solutions. Retire south shore dot com..

South shore dot com next week south shore dot com fifteen minute mark one South shore radio seven eight one eight three si Seven south shore com eight
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

08:16 min | 2 months ago

"south shore" Discussed on Retire South Shore Radio

"With you. I am jordan rich along with me. Of course is mark rolette founder and president of south shore retirement services in hingham broadcasting from the brand new south shore. Retirement services radio studio and we're thrilled to be together and to celebrate spring and Certainly better health for so many americans and all that mark nice to see you might be saying and it's great to be in this new studio feel like a real professional mom. Well you sound like one. I'll tell you and it's great. It's great to be able to communicate as we have been all this time even though on occasion where in remote locations so today we focus on a lot of things but today. That's the nagging question that people have what happens if i run out of money and can i possibly run out of money after i stopped working after. I'm in retirement to question that people ask you all the time. And let's talk about how you answer that. Yeah absolutely i as you know our motto here at sexual retirement is nobody should have to worry about running out of money in retirement right simple that that's what that's what our goal is with every client. That comes in the door that they shouldn't have to worry about it. But of course people worry about that all the time. That's almost everyone's number one. Fear going into retirement. Could i possibly run out of money in retirement. And i don't care if you have four hundred thousand dollars or four hundred million dollars. Nobody likes to lose money It's just a case of whether you have the wherewithal or the ability. To weather that storm and righted back and people just don't know met. I bet very wealthy Real estate developers who have the same concerns that Somebody who may not maybe doesn't have hundreds of millions of dollars so that anxiety for so many people transitioning and thinking about retirement shouldn't be anxiety shouldn't be that complicated. It shouldn't be that stress of the wait and see approach and rolling the dice in retirement and hoping for the best. It should be a retirement strategy. That is a solid foundation that gives you the ability to ride out any storm. That's coming so you don't have to worry about running out of money in retirement and that's what we do. It certainly helps to have all the information in one place. Easy to access. And that's a complaint that a lot of people have all. I can't reach my financial advisor. Or i get a busy or i get a phone number. That says callback Communication is spotty at best One of the things that you pride yourself on is is having that overview knowing about your client's needs because you have the information available in its organiz so that you can understand it. We understand you know. I think it's i think it's so much more. When you have a working relationship with the clients that we we work with It's so much more than just the money i mean. The money is obviously critically important. And that's that's you know dollars every single month pay for all of the stuff that people want to do but does a lot more to retirement than just the investment side of things as you know we have a process that We go through and every client go through this process of making sure number one that they have another ingram making sure that their monthly expenses are covered. No matter what's going on in the world so they are not necessarily able to completely eliminate market volatility. Because you still have to make money at. But they're able to as much as possible distribution volatility meaning that the distribution risk the money coming out of their accounts they have the ability to pivot. No matter what's going on in the market environments then second to that they still wanna make money right so set. Your investment services is a registered investment adviser Are able to make sure that people make money. Were able to make sure that they're earning the interest that they that they should be. Earning at when times are good and and they're still available all of those things but that's the money side of things. I think it gets a little bit more complicated. Were able to kinda Earn our keep so as it were by by helping people with tax strategies and helping them spend the money in the most tax efficient manner possible. That's become so important to people especially in recent months with the new administration that now granted has a lot of really exciting stuff going on but it has a lot of really scary stuff going on from a tax standpoint and people are nervous about the future and if they're able to put their best foot forward today in order to benefit them in their families tomorrow and next week and next year and so on then wouldn't you want to have that information and know that so part of our team we have Investment advisors financial advisors cpa's that are all coordinating with each other for the greater. Good of the client The medical side of things is also important meeting with clients earlier this week. That asked me about that. They said you know we pay x. amount per month. We're on cobra and we want to be able to talk to someone. Once we go to our get to age sixty five. We want to be able to talk to someone to figure out what we should be doing. From a medicare supplement standpoint. And i said absolutely. I have a specialist that will sit with you and and go through all of that with you And then finally to wrap all up in a bow. You can have an amazing retirement plan you can have all of the numbers jive in everything working out. Well but if you don't have the correct legal Platform legal documents in place. Everything can go out the window and an unacceptable to people over. I've been doing this for almost twenty five years Sometimes it's worse to not die than to die. And i know that sounds awful but from an estate planning standpoint. If you don't have a power of attorney and a healthcare proxy in place and something bad happens to you. You're incapacitated and you can't make decisions for yourself You you're really in a lot of trouble so sometimes you know dying actually an easier thing because you were gone. So that's our process. We call that the all hands analysis I like itching as you know so we have something. Nicholson on deck. You've got all of these people working for these clients and making sure that nothing is left to chance and nothing is not hasn't been looked at so the all hands analysis is literally that it has everyone working for the greater good of the client giving their perspective. So when you come and work for this firm you're not working with one advisor which is a lot of the time when people come from other Advisory firms or brokers is today. Got a guy well over here. You'll have a team of people have a team of people helping you in a team brains looking at your plan and your strategy to make sure that it's the best possible option for you and that's what the all hands analysis is well. I'm very impressed. That's great branding because you are An avid. i didn't say great. But an avid fisherman and it the the illusion is very important because It takes a crew of people to keep a boat moving in the right direction to keep everybody safe and secure. And that's kind of what you're talking about. So i get it i it rings true for me. The all hands analysis well done i. I like the fishing and i no. There's no. I'm not a great fisherman. I have great fishing equipment. But that doesn't make this. I golf clubs to doesn't make me a good golfer. So we're in the same boat talking with mark roe leaden while we speak. I should mention the fact that if you'd like information quickly and efficiently obligation. There's a fifteen minute phone. Call that mark and teammates would be very happy to set up with you. You can call this number now to set something up. Seven eight one eight three six four two one four seven eight one eight three six four two one four or set it up online very easy to make an appointment that way retire social dot com again. These fifty minute calls are so valuable so all hands analysis. That's something for people to think about. And i it really boils down to your wanting to test. The waters again an allusion to fishing in waters and wanting to test the waters. You need to have all the information available at your fingertips talking about the client and It helps to have a firm that is set up to provide that information and that advice. Yeah nineteen from a realistic standpoint jordan. I mean you know talking about the topic of could. I possibly run out of money in retirement. That's what that's what people come in and ask and coming into the office and people are looking at you know the concern of could i possibly run out of money in retirement..

next year fifty minute next week tomorrow Nicholson fifteen minute mark roe leaden mark rolette four hundred thousand dollars four hundred million dollars today one place almost twenty five years hingham Seven south shore retirement service south shore nineteen earlier hundreds of millions of dollar
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

02:06 min | 2 months ago

"south shore" Discussed on Retire South Shore Radio

"With me. Of course is mark rolette founder and president of south shore retirement services in hingham broadcasting from the brand new south shore. Retirement services radio studio and we're thrilled to be together and to celebrate spring and Certainly better health for so many americans and all that mark nice to see you might be saying and it's great to be in this new studio feel like a real professional mom. Well you sound like one. I'll tell you and it's great. It's great to be able to communicate as we have been all this time even though on occasion where in remote locations so today we focus on a lot of things but today. That's the nagging question that people have what happens if i run out of money and can i possibly run out of money after i stopped working after. I'm in retirement to question that people ask you all the time. And let's talk about how you answer that. Yeah absolutely i as you know our motto here at sexual retirement is nobody should have to worry about running out of money in retirement right simple that that's what that's what our goal is with every client. That comes in the door that they shouldn't have to worry about it. But of course people worry about that all the time. That's almost everyone's number one. Fear going into retirement. Could i possibly run out of money in retirement. And i don't care if you have four hundred thousand dollars or four hundred million dollars. Nobody likes to lose money It's just a case of whether you have the wherewithal or the ability. To weather that storm and righted back and people just don't know met. I bet very wealthy Real estate developers who have the same concerns that Somebody who may not maybe doesn't have hundreds of millions of dollars so that anxiety for so many people transitioning and thinking about retirement shouldn't be anxiety shouldn't be that complicated. It shouldn't be that stress of the wait and see approach and rolling the dice in retirement and hoping for the best. It should be a retirement strategy. That is a solid foundation that gives you the ability to ride out any storm. That's coming so you don't have to worry about running out of money in retirement and that's what we do.

next year fifty minute next week tomorrow Nicholson fifteen minute mark roe leaden mark rolette four hundred thousand dollars four hundred million dollars today one place almost twenty five years hingham Seven south shore retirement service south shore nineteen earlier hundreds of millions of dollar
Running out of Money in Retirement With Mark Rolette

Retire South Shore Radio

02:06 min | 2 months ago

Running out of Money in Retirement With Mark Rolette

"With me. Of course is mark rolette founder and president of south shore retirement services in hingham broadcasting from the brand new south shore. Retirement services radio studio and we're thrilled to be together and to celebrate spring and Certainly better health for so many americans and all that mark nice to see you might be saying and it's great to be in this new studio feel like a real professional mom. Well you sound like one. I'll tell you and it's great. It's great to be able to communicate as we have been all this time even though on occasion where in remote locations so today we focus on a lot of things but today. That's the nagging question that people have what happens if i run out of money and can i possibly run out of money after i stopped working after. I'm in retirement to question that people ask you all the time. And let's talk about how you answer that. Yeah absolutely i as you know our motto here at sexual retirement is nobody should have to worry about running out of money in retirement right simple that that's what that's what our goal is with every client. That comes in the door that they shouldn't have to worry about it. But of course people worry about that all the time. That's almost everyone's number one. Fear going into retirement. Could i possibly run out of money in retirement. And i don't care if you have four hundred thousand dollars or four hundred million dollars. Nobody likes to lose money It's just a case of whether you have the wherewithal or the ability. To weather that storm and righted back and people just don't know met. I bet very wealthy Real estate developers who have the same concerns that Somebody who may not maybe doesn't have hundreds of millions of dollars so that anxiety for so many people transitioning and thinking about retirement shouldn't be anxiety shouldn't be that complicated. It shouldn't be that stress of the wait and see approach and rolling the dice in retirement and hoping for the best. It should be a retirement strategy. That is a solid foundation that gives you the ability to ride out any storm. That's coming so you don't have to worry about running out of money in retirement and that's what we do.

Mark Rolette South Shore Retirement Service New South Shore Hingham
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

06:15 min | 2 months ago

"south shore" Discussed on Retire South Shore Radio

"Want the ability to have that not happen. Well we also want to know that somebody is looking after us and looking over our shoulders and protecting us with information and updates and regular meetings. Because that's what's we we don't have not just worry about the money when about the tax changes and all the things coming up we we want people like you to be there for us and that's a really important aspect of what you do. Honestly i had this conversation with a couple last week Who are potentially new clients of the office and and that was the conversation. Was you know what i i. I have nothing against the people who are helping with their money right now but we did just accumulators they're just brokers and that's fine but what i'm looking for is somebody to tell me. What's the smartest way when suspense the different tax qualifications of the accounts. That i have What's the best way for me to distribute this money on an will we be able to consistently and continuously talk about changes in the in in the environment and the short answer for me was. Yeah our plans are that we will constantly communicate with clients. We meet with clients as often as they want to. But as little as minimal as on a quarterly basis even to jump on the phone or a zoom for twenty minutes state of the union. What's going on with you. Here's what we think's happening in the third quarter start looking at a strategies to to avail of tax code. That's out there right now. Communicate and coordinate them with our cpa's and our attorneys if that's what they need so it it's about constant communication because this people's life savings and they wanted to make sure that they're not making a mistake or missing some opportunity that's out there and time and time again top-shelf advisory firms are just missing the boat with clients. They're not talking about things that are really important. They're not talking about the. What if scenarios if somebody were to pass away. What's going to happen. Who's going to take up the reins for my spouse. Because i've taken care of the money for the last thirty five years and he or she hasn't taken care of it. I wanna make sure there's a solid strategy in place. So i know that if god forbid something happens to me that her lifestyle not going to have to change before we wrap up you were joking about your age and i got a few years on you and i can tell you this. It's all about perspective when you think about your parents and grandparents. They seem like an older generation. Even when they were younger people are a lot cheaper and more involved in the digital world than ever before. And that's we've talked about longevity and people are expected to live well into their eighties and nineties as a rule so this is the time to not focus on the end. This is the time in a sense focus on a new beginning. Isn't it absolutely and not to sound like a sales pitch but it all starts with picking up the telephone and making sure that you've got your best foot forward from a retirement and estate planning standpoint. Pick up the phone. Set up a call with me or somebody on my team Just to make sure that everything's taken care of so you can go into retirement and not have to worry about this stuff if you set it up ahead of time if you even if you're in retirement planning to be retired i assume for a few decades To set everything up so you can focus on the things that are truly important which is not looking at your investment statement on a quarterly basis. That's not what i would imagine is the most important thing i always try to put myself on the client side of the table and think to myself. What would i do if i was in their shoes and i had the same goals in the same objectives of their as them the same dollars as them at what would i do. How would i it. And that's what i explained to them on like. This is what i would do if i were you. So the joy of thinking about all the fun stuff and all the good stuff and the positive stuff. That's my job as the potential client. I'll do that absolutely with pleasure. And then we'll let the people in the field that you're in help develop that strategy so goal oriented thinking is really what we we want. That's the homework assignment for anybody coming forward to wants to plan their future. Yeah i mean we talked about it a couple of months ago jordan. If you remember when you're thinking of your goals in retirement to write out bucket list of a hundred things you want to do. Right chartered than you think. That's your retirement. Those are the stuff. That's the stuff you want to do. You had your head down and your being grinding for thirty or forty years and trying to put away as much money as possible and now it's time to enjoy yourself to go out into retirement at that. People have really started to reevaluate. How long they're gonna work for based on what's happened over the course of the last fourteen months like i wanna get licensed lights can be short. Time is valuable. And that's the most valuable asset that we all have. You can get that fifteen minute. No obligation strategy call rolling along by dialing seven eight one eight three six four two one four also very easy to do it and set up an appointment on retire cell. Sure dot com Website mark thank you so much as the merry month of april continues to roll along Wishing you and your family all the best now. The kids are in and out of school as everybody else is and We wish you Safe travels wherever you may be and thanks for giving us your time as always pleasure and thank you so much. Have a great rest of your weekend. This radio show may contain concepts that have legal accounting tax implications. It is not intended to provide legal accounting tax or investment advice by contacting our company. You may be offered information regarding insurance and fixed annuity products. Annuity guarantees rely on the financial strength and claims paying ability of the issuing insurance any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to securities or investment advisory products fixed insurance annuity product guarantees are subject to the claims paying ability of the issuing company. You've been listening to retire. South shore radio a presentation of south shore retirement services for the latest on free seminars to obtain a report or to set up a consultation. Please visit retire. South shore dot com stay tuned for more real world retirement solutions. The tire south shore dot com..

twenty minutes thirty fifteen minute South shore dot com South shore radio jordan south shore dot com third quarter forty years eighties south shore nineties last week april com couple of months ago thirty five years last fourteen months eight six
Some students return to classrooms at Seattle schools

Noon Report with Rick Van Cise

01:02 min | 2 months ago

Some students return to classrooms at Seattle schools

"Than a year of remote instruction, the Seattle school district started bringing students back to classrooms today. First to return preschool and special ed students come most Carleen Johnson reports. Kia has spent the last year helping her four boys with remote classes. But she was most concerned for her son, Aaron, who has a specialized learning plan and has struggled with remote learning and not getting the services. He is used to. If he needs that he needs that one on one, you know. Chemicals teachers. You know he's doing good, you know, but he still needs that one. I want it. Erin it about 20. Other students showed up this morning at South Shore K through eight for the first time in person, the state's largest district is still negotiating with the teachers union on the return of middle and high school students. You know, the governor's directive is to be in schools by April 19th for 6 12 and we will be Asked about students whose grades have suffered under remote learning depression anxiety. Superintendent Denise Do, you know, told Coma, they will be offering a robust summer school program and will have additional resource is for students to finish out this year and mortgage going into the fall.

Seattle School District Carleen Johnson KIA Teachers Union On The Return O Aaron South Shore Erin Depression Anxiety Superintendent Denise Do Coma
Some students return to classrooms at Seattle schools

Noon Report with Rick Van Cise

01:02 min | 2 months ago

Some students return to classrooms at Seattle schools

"After more than a year of remote instruction, the Seattle school district started bringing students back to classrooms today. First to return preschool and special ed students come most Carleen Johnson reports. Kia has spent the last year helping her four boys with remote classes. But she was most concerned for her son, Aaron, who has a specialized learning plan and has struggled with remote learning and not getting the services. He is used to. If he needs that he needs that one on one, you know. Chemicals teachers. You know he's doing good, you know, but he still needs that one. I want it. Erin it about 20. Other students showed up this morning at South Shore K through eight for the first time in person, the state's largest district is still negotiating with the teachers union on the return of middle and high school students. You know, the governor's directive is to be in schools by April 19th for 6 12 and we will be Asked about students whose grades have suffered under remote learning depression anxiety. Superintendent Denise Do, you know, told Coma, they will be offering a robust summer school program and will have additional resource is for students to finish out this year and mortgage going into the

Seattle School District Carleen Johnson KIA Teachers Union On The Return O Aaron South Shore Erin Depression Anxiety Superintendent Denise Do Coma
Former Boston Police Chief Davis: Kill Switch In Every Police Cruiser ‘Would Be A Good Thing’

WBZ Morning News

01:16 min | 3 months ago

Former Boston Police Chief Davis: Kill Switch In Every Police Cruiser ‘Would Be A Good Thing’

"Yesterday's Rockland 7 11 robbery shot and killed by police after stealing a police cruiser. And then leading officers on a chase through six South shore communities. Here's WBZ TV is Christina Rex, WBZ security analyst and former Boston Police commissioner Ed Davis says. What makes this case unique is not the stolen cruiser but the length of the chase and the amount of times the suspect managed to escape police. Each one of those individual things happens. Really frequently but combined together, this is an unusual circumstance. Leach was shot and killed by police once they finally stopped him in Quincy after a long effort by hostage negotiators. They say he came out of the cruiser brandishing a police rifle. So when the suspect being guarded by officers on the SWAT team to drop the weapon He doesn't comply and starts to make aggressive moves with the police. Only thing they can do is fire. While the unfortunate end of the chase may have been unavoidable, Davis says there's technology in some police cars that prevent them from being stolen, called the kill switch. Now, when asked if somebody did something wrong, Davis says. Not necessarily. The incident is being investigated by the Norfolk County District Attorney's office, which is standard protocol whenever police used deadly force theory.

WBZ Christina Rex Boston Police Ed Davis Rockland Leach Quincy Swat Davis Norfolk County District Attorn
Massachusetts high school coach fired over team’s anti-Semitic audibles

WBZ Midday News

00:58 sec | 3 months ago

Massachusetts high school coach fired over team’s anti-Semitic audibles

"Free, where controversies surrounding the high school football team in that South shore quiet South shore town. The coach Dave Memory on fired yesterday's teams next game was canceled when that happened yesterday, and this was after it was reported that the high school football players used anti Semitic language on the field. Earlier this month. Officials say Ash wits Rabbi and Dre Tal were used for the names of plays Massachusetts Senator Berry Feingold, writing a letter to the Ducks free high school football team, inviting them. To meet with him when someone says harsh words. I don't think these young people understand how harmful and hurtful that is the people that are Jewish. Investigation is ongoing by the way memoranda has been placed on administrative leave from his job as special education teacher but again and fired as the Ducks free high school football coach.

South Shore Dave Memory Football Dre Tal Senator Berry Feingold Rabbi Ducks Massachusetts
Violent Weekend in Chicago Including a South Side Mass Shooting

John Williams

00:41 sec | 3 months ago

Violent Weekend in Chicago Including a South Side Mass Shooting

"In Chicago. CPD confirming 38 people shot in 21 shooting incidents. Five people killed 15 of those people shot in a mass shooting at a party inside of a Southside towing company complex. Police believe it may have been gang related for guns were recovered at the scene. Nobody is in custody at this 0.2 of those victims, by the way, died of their injuries. Police also searching for a gunman who shot four people Sunday afternoon in the South Shore neighborhood among the victims of 13 year old boy. And investigators still looking for a gunman who shot at an officer yesterday. The officer suffering a graze wound on his chin while sitting in a parked vehicle. Unclear at this point, if the officer was the intended target is expected to be okay. WGN

Southside Chicago South Shore WGN
13-Year-Old Chicago Boy, 2 Men Shot In South Shore

NewsNation

00:23 sec | 3 months ago

13-Year-Old Chicago Boy, 2 Men Shot In South Shore

"Block of East 77th when someone fired shots hitting both of them. The team was shot in the knee and is that Coomer Children's Hospital in good condition. The man was hit in the arm and was taken to University of Chicago. Hospital. His condition is unknown Area Two detectives are investigating. No one's in custody. Don Clevant WGN NEWS NAPERVILLE police, adding extra patrols to the city's Washington Street area. Authorities received a report of a man

Coomer Children's Hospital Don Clevant Wgn News University Of Chicago Washington
COVID Vaccine Appointments at United Center Open to 4 Additional Chicago ZIP Codes

Eye on Travel

00:27 sec | 3 months ago

COVID Vaccine Appointments at United Center Open to 4 Additional Chicago ZIP Codes

"Or six Oh 6 to 46 Oh 64464651 in 60653 against six Oh 6 to 44451 and 53 Blocks have appointments at the United Center has been set aside for pills in Chatham, Auburn, Gresham, West and East Garfield Park, Austin, South Shore and Humble Park. $1400 federal pavements have started to be deposited into millions of people's bank accounts. Just one facet of the massive release

East Garfield Park United Center Humble Park Gresham Chatham Auburn South Shore Austin West
Here's The Deal With The United Center Vaccination Site In Chicago

Chicago Tonight

03:58 min | 3 months ago

Here's The Deal With The United Center Vaccination Site In Chicago

"Let's start with governor pritzker. This is what he had to say today about. The vaccine roll out in illinois has neighboring michigan announces. That it will open. Vaccinations everybody starting. In april as we have promised here in illinois and as we have been promised by the federal government that we would reach one hundred thousand doses per day by the middle of march. We've arrived mike flannery. The president says everybody's going to be eligible by may first governor pritzker says we're game here in illinois. Do you believe it i do. I think they the after a rough start. I talk peres. Says a guy who went around to the walmart and cvs is and the to supercenter over one hundred eighth woodland asking. Have you got any leftover back. Seen vaccines for the poor. Things have really gotten a lot better. I've got both my doses of the pfizer vaccine. I think this thing is finally on track. And i see mike flannery down there in beverly get your green tie in the irish flag. You're getting ready for a certain holiday in a few weeks. Megan hickey there's been a lot of confusion at the united center about who exactly has been eligible. The city has changed. Its eligibility standards because so many folks from outside of chicago or signing up as of now who is eligible to get the vaccine at the united center right now. They're still in the one. A one b Young people within the city limits and really the rules changed in the middle of the game because obviously when people started signing up it was a much broader eligibility than that and that was honestly source of a lot of confusion over the weekend and even into monday and tuesday because you know the the eligibility requirements changed in a lot of the people who maybe were outside of chicago who had signed up. Were confused they do. What does my appointment still count. If i go there you know my still going to be able to get my second dose. Are they going to say good luck. Find it somewhere else so there were just a lot. We were getting a lot of confusion about that and you know that on top of some scheduling issues. People getting error messages when they were trying to sign up. You know saying oh no actually. Your appointments been rescheduled and then another email saying disregard that that email was was not It's not accurate so meghan or those. Yeah i'm still ongoing. Or if they have the iron those out we're hearing less you know less confusion about it. I'm i'm not certain that it's been entirely ironed out. I know we asked how many people got error messages. How many people were involved in that which we never actually got a hard number on that but just being out there. I was at the united center. Monday on tuesday monday. Even before you know nations had started a lot of people were complaining about that. But i will say once. They made their way through the vaccination processing came out on the other end. They were so grateful and hopeful and almost had forgotten that they were so Set before they had gone into. Get their shot in greg pratt part of this roll out. The city says now they will be reaching out to the hardest hit zip codes to urge people to come to the united center to get their vaccination. Is that helping at all. drive up the equity numbers. Yeah i think so. I think the making it eligible for neighborhoods like south shore little villages. Ellison is is clearly going to drive that up there are people from those neighborhoods who are signing up for it I think that that's been very helpful. That was major problem in the beginning. It's less of a problem but it's probably one of those things that without more. Without ongoing targeting an ongoing efforts aimed at reaching those communities can very easily all off. Which would be bad. So it's so it's so they're they're working consciously work on an and that's probably a good thing

Mike Flannery United Center Governor Pritzker Illinois Confusion Megan Hickey Pritzker Chicago CVS Walmart Pfizer Federal Government Michigan Beverly Greg Pratt Meghan Ellison
United Center mass vaccination site officially up and running for Chicago residents

Chicago Tonight

04:37 min | 3 months ago

United Center mass vaccination site officially up and running for Chicago residents

"Nearly one in five illinois residence has received at least the first dose of corona virus vaccine thousands. More will reach that point over the coming weeks at their doctor's office a pharmacy and as of today at the united center the federally run. Mass vaccination site officially opened this morning to delight in confusion. Amanda finicky joins us now. The united center. Amanda how's it going. Their brand s. Some six thousand people are set to get the pfizer vaccine here at the united center for the next six weeks. But if you are trying to get one of those appointments or perhaps you were able to snag on and then you're confused about whether you're going to keep it or not. Well there is good reason to be confused even dignitaries got their numbers a bit muddled today with one official at first saying that one hundred and ten thousand appointments had already been booked and then leader or clarification from the city's public health commissioner saying no as of this point about fifty thousand reservations made and later in the day. Dr allison arwady really did seem to give a nod to that confusion. And i know there's been a lot of Questions about the united center. And i know that the focus the renewed focus on equity that has come Has led to some changes and even some confusion for people and i apologize for people who are feeling unsure about this resource for a gone a quick note that the media is set apart some from where individuals that are getting that vaccine till eight o'clock tonight our media guidelines did ask that we not bother them for the sake of their privacy so the video that you should be seeing on. Your screen is actually from a preview yesterday afternoon now as for that confusion that stems from a day prior sunday when accessed to appointments suddenly got switched at first anyone age sixty five or older from anywhere in illinois could sign up there was also a huge rush during a brief window with seven hundred fifty four appointments per minute booked during a window that let in younger individuals with certain co morbidity things like cancer or pulmonary disease officials say that early data from that showed that less than forty percent of those who got appointments were kogyo residents already called that unacceptable defeating the entire purpose of fema deciding to put a mask backs initiation clinic here. Chicago's west side. We have a lot of neighborhoods that have been burdened heavily by kobe. A lot of heavily black and heavily latin next neighborhoods a lot of neighborhoods that have more barriers to getting vaccinated and one of the decisions for placing the The vaccination center here was recognizing that we really wanted to reach chicago residents so for now. There is really no way to make an appointment here. Temporarily access cut off. It is set to reopen later this week. In the meanwhile local and state officials say that they're going to try to work to fill those appointments behind the scenes with an aim of sixty percent of reservations going to chicago residents thirty percent to residents of suburban cook and then ten percent for those who live throughout the rest of illinois this city in particular targeting folks from vulnerable communities including those near the united center humble park for example but also a handful of other zip codes that includes mckinley park chatham roseland south shore and then in cases you're going to have chunks of appointments booked and set aside for community groups to help get the word out. We didn't really get a ton of specifics from officials on that now or what. He says that this focus on equity isn't just the right thing to do. She says it's the way to nip cove in the good also. The thing that gets our city past covid making sure more people are vaccinated in the heaviest hit zip. Codes is how we actually decrease our case rate how we decrease the risk variants. And how we're able to reopen the city and have lower risks to that end. she says. The city is making progress in decreasing case. It's particularly in latin next chicagoans ends where we now are seeing case rates for covid of latin x chicago that are not higher than Than you would expect them to be based on population where our case rates are really looking like the city as far as race ethnicity goes

United Center Confusion Amanda Finicky Dr Allison Illinois Pulmonary Disease Kogyo Pfizer Amanda United Center Humble Park Chicago Fema Mckinley Park Chatham Roseland Kobe Cancer
Transit Officer Shoots Man During Struggle On South Shore Line Train In Chicago

Anna Davlantes

00:31 sec | 3 months ago

Transit Officer Shoots Man During Struggle On South Shore Line Train In Chicago

"Shooting on the south shoreline this morning left a passenger in critical condition in a transit officer with injuries, Chicago police said about eight this morning at The Hague wish station, a passenger became verbally aggressive with a ticket collector and conductor. Like a doctor called for back up. When the backup officer arrived, He reportedly struggled with the passenger. The officer shot the man in the stomach. The passenger again hospitalized in critical condition. The officers suffered injuries to his

South Shoreline The Hague Wish Station Chicago
Woman carjacked in South Shore with children, 4 and 6, still in vehicle

WGN Showcase

00:32 sec | 3 months ago

Woman carjacked in South Shore with children, 4 and 6, still in vehicle

"Car was stolen and South Shore. Other Children were inside the vehicle. Police say say the the woman woman got got out out of of her her Chevy Chevy Malibu Malibu at at a a gas gas station station her her keys keys in in the the ignition. ignition. The The carjacker, carjacker, then then jumped jumped in in and and drove drove off off with with a a four four year year old old boy boy and and six six year year old old girls girls Still Still in in the the car. car. Witnesses watch what happened next. They pulled over at 74, Meryl. And put park the car in the middle of the street and the kids are standing on the sidewalk. You dropped off six blocks from the gas station. Police say the suspect, then ditch the Malibu nearby. The Children were not hurt, and they were safely reunited with their family.

South Shore Malibu Chevy Meryl
Three people wounded in a shooting Sunday in Chicago's South Shore neighborhood

WGN Programming

00:15 sec | 4 months ago

Three people wounded in a shooting Sunday in Chicago's South Shore neighborhood

"Who shot three people in the South Shore neighborhood. Yesterday. Shots rang out in your 78th and Muskegon please say a woman got into an argument with the man who pulled a gun and shot her several times. Two men were standing nearby. They were also hit their conditions not released.

South Shore Muskegon
3 People Shot, Wounded In Chicago's South Shore

Sunday Standards

00:26 sec | 4 months ago

3 People Shot, Wounded In Chicago's South Shore

"Three people in the hospital after a shooting on the South side Chicago police say that a 24 year old woman was shot after an argument with a man who's accused of pulling the trigger on the 7800 block of South Muskegon Avenue in the South Shore neighborhood. The shooting happened around noon Sunday and in the process to innocent bystanders were also wounded. The female victim, along with two men, ages 53 60, We're all taking the University of Chicago Medical Center with multiple gunshot wounds. No one is in custody as police search for the male

South Shore Chicago University Of Chicago Medical
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

04:55 min | 4 months ago

"south shore" Discussed on Retire South Shore Radio

"It is until it's too late to do anything about it. There are so many reminders available on the websites. Check them out retire. So sure dot com and you remember the old Picture of the the dude in the nineteen thirties or forties with a red string tied around his finger and he can't remember why he turned it around his finger. The reminder these days You can put a little calendar alert on your phone friends Just to say. I'm going to check in with social retirement services in april. I want to do it on this day or that day. It's just a it's just a wise way business. I would encourage people in every weekend that we we run our shows. The phone rings here in the office on the weekend. And we'll get back to people immediately on a monday morning or will email them back over the weekend but i think you know starting with the fifty minute strategy. It's it's so we put together the pandemic because people didn't really wanna get together face to face understandably so but it's such an easy non threatening way to get the ball rolling right to have some professionals talk with you to answer questions that have been maybe being concerning you see kind of where you're at from a retirement an-and estate planning standpoint and make sure that you're getting on track so not only. These dates that we talked about are are not being missed. anything else. that's important to your to you and to your family is is not being overlook absolutely the number again one more time. Seven eight one eight three six four two one four to set up that consultation call no sweat. Here's a question for you when's your birthday. Isn't it around this time. Share my birthday as you know that with emma. My middle daughter. That's right she. She constantly reminds me that. I'm thirty years older than they knack for doing. Well i did remember that. Your birthday was around this time of year. So i just wanted to Pinch myself in a string around my finger to To say happy birthday again to you on that day when we get together but that's cool thank you. Mark is available of course but he has a great team. We didn't really get into too many of the details but Before we close out with two minutes left Carol and holly and everybody in the office a great support staff and they're the ones that Do a lot of the heavy lifting at first so a great first guard as they say governor has loosened some of the restrictions that opposed upon our industry so next week we are back to live seminars so we have couple of seven hours wednesday thursday at davos in braintree. I think unfortunately there are both full nap. What our intention is to have seminars. Now for the remainder of the year pretty much every other week in several locations that you know that we we we have them whether it being the braintree down the plymouth area so check at the site with the calendar every every seminar Remainder of the year on there were just so excited to get back to to seeing people live. Webinars are fabulous. Great way to meet people reach out. Get information out. But there's something about being face to face with with people that I'm really looking forward to join now. You you are a people person. It makes such a difference. Because you're you're helping people every day it's important to look them in the eye Anyway we're excited about that and hopefully more and more people are getting vaccinated and getting over this pandemic and moving. On in any event we will move on to next week. A mark take care. Have a wonderful week you to take care thank you. This radio show may contain concepts that have legal accounting tax implications. It is not intended to provide legal accounting tax or investment advice by contacting our company. You may be offered information. Regarding insurance fixed. Nudie products annuity guarantees rely on the financial strength and claims paying ability of the issue insured any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to securities or investment advisory products fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. You've been listening to retire. South shore radio a presentation of south shore retirement services for the latest on free seminars. To obtain a report or to set up a consultation lease visit retire. South shore dot com stay tuned for more real world. Retirement solutions. Retire south shore dot.

Mark Carol april holly next week two minutes seven hours fifty minute South shore radio thirty years wednesday davos monday morning both plymouth nineteen thirties south shore dot braintree Seven six
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

08:06 min | 4 months ago

"south shore" Discussed on Retire South Shore Radio

"This is retire. South shore radio a weekly program designed to educate you on all your retirement options and introduce you to mark rolette founder of south shore retirement services for the latest on free seminars. To obtain a report or to set up a consultation please visit retire. South shore dot com retirement services on real world retirement solutions looking at the whole picture to design a complete strategy including retirement planning medicare decisions and legal documents. Now here's mark rolette and your host jordan. Hello dear friends. Welcome once again to another edition of retire. South shore radio. I'm jordan rich along with mark rolette the founder and president of south your retirement services in beautiful hingham massachusetts. And it's an office that many people will visit. And if you can't visit you can visit on zoom by phone any number of ways but Mark great to see you and we have a lot. We have a lot to do today but just want to say welcome It's interesting you were saying what we'd be talking about a which is dates and important scheduling. I think when people get to be older in. I include myself in that area. The datebook and the schedule in the calendar is more important than ever. It seems when it comes to retirement. That's certainly the case. Yeah i mean we all want to stay on track with everything. You don't want to have to make costly mistakes when it comes to people thinking about retirement or in retirement you know things like health care choices. Withdrawing money from retirement accounts the timing of doing that paying your taxes. I mean nobody likes to do it but everyone wants to do it on time. Don't want you don't wanna miss out on these. These key dates because they can cost you money and they can create penalties. That are completely unnecessary. But it's very overwhelming when you think about all the rules regulations and all the changes that have joe. What can you as organization do to help us get through it. All overwhelming is is is a word that we don't like to use that when you're talking about retirement people i mean i know people get overwhelmed. They know that there's a lot to it but the reality is you sitting down with a professional. Starting a conversation with someone they can take the guesswork out of it for you and tell you what's important for you and what's not important for you That just puts a person's mind at ease and eliminates that overwhelming feeling. That's what we do in. That's offered these fifty minutes strategy goals to to people who listen to this show to call in based on topics that we talk about. Today are topics that we've talked about before something that's kind of burning in their mind I get to the bottom of it actually is even relevant to you or not seven eight one eight three six four. Two one four is the number for that No obligation fifteen minutes strategy. Call to to get some of these questions answered right off the bat so if you were to advise people who are approaching retirement manar talking specific dates right now. But what are the key things they really have to keep my. I mean i. I think february is fantastic months Assess where you're at. A people are starting to pull their tax documents together. Starting to i actually spoke to a couple of clients this past week ve already filed What starting off as early as all right this year might go to reach a milestone age. Do i need to address something. A milestone ages is being in. My world is fifty nine and a half. I'm gonna reach fifty nine and a half quite important age. Well if you're still working and you've got a 401k or four zero three b plan fifty nine and a half is the year where the world gets opened up to you in what's called an in service distribution where you can decide where your money is going to be have. You don't have to decide where you're are. You don't have to let your employer decide where it's going to be so fifty nine and a half is a huge milestone age for at pre retirees That we'll we're working with sixty two is also pretty significant age as well for those who decided to retire early on. You know that that age old question of do i take social security early sixty two or do i wait until sixty six in whatever amount of months. It is to hit full retirement age or i wait till seventy. That's that's a not an easy decision to make it but it's a conversation that we have at least we have. It's sexual retirement services on a daily basis with clients. So yet do. Do you decide to take it early. Do we at break even analysis. Do we see what what makes the most amount of sense for your particular situation and then another key milestone age is is now seventy two used to be seventy and a half but now it's seventy two years old. That's the new required minimum distribution. I i hear caroline here in the office on the phone with clients all day every day. Teeing up their required distribution because nobody wants to miss out on having to take that money out because the penalty is fifty percent. If you don't take it out that's a mistake you don't make one time but that's a costly mistake. You you mentioned social security which happens to be your bailiwick. You really know your social security ins and outs and it used to be pretty standard sixty five and out now. There are so many things and we've mentioned them in the past Whether a spouse has his or her social security paid up to a certain extent or whether there's a a widow or widower involve all kinds of variations on the on the theme. Yeah i think you know especially in this particular day and age literally like this year with the new changing of the guard in washington. Dc there's a lot of uncertainty about what the future of social security is going to be. What the new rules are going to be going forward so sometimes people really like to think of the the burden the hand mentality of will what should i do now in order to ensure that i'm able to get my fair shake out of the the benefits like contributed to my whole working life. So that's a lot of the conversations that we would have with with pre retirees raven post retirees have not filed yet because we see a lot of them at. But there's i mean there's so many key dates and i. I was just going to zip through a calendar of dates Some of these numbers dates. Most people probably are aware of and some of them. They are maybe aware of starting off the beginning of the year january first new year two new tax year two new calendar year. So for those of you who were fifty years in older and are still working. It's a new opportunity to put up to twenty six thousand dollars into your 401k. Or four three d if you're under fifty years old it's nineteen and a half thousand dollars this year that you could put in there. Which does it make sense to put the money in does it. Does it make sense to not put money into your 401k. Which sounds ridiculous from a financial advisers perspective. But you the reality is. We're in really low tax rate tax attack environment right now and most thinking people know that taxes are most likely going to go up. So does it make sense to defer taxes in the low tax environment to have to pay taxes higher tax bracket when you go into retirement this short answer is i don't know jordan. I mean that's the conversation that we would have with clients on a case by case basis to see what makes sense for them. I think that's the key it's case by case it's not cookie cutter by any stretch of the imagination. And one of the things as i've talked to many of your clients over the last couple of years one of the things that they appreciate the fact that you look at them as individuals with their own story in their own future in their own hopes and dreams and You can apply a variety of options. But it's not a one-size-fits-all. I think that's important. You're listening to retire. Social radio with mark roulette the founder and president of south shore retirement services so january one big date. We all know that Besides dipping your toe into the cold like the street brownies. There's a lot going on at the beginning of the year You mentioned february's an important month and were still smack dab in it Groundhog aside because you've got taxes.

mark rolette fifty percent fifty years Today fifteen minutes fifty minutes jordan seventy and a half washington Mark nineteen and a half thousand d South shore radio seventy today february this year sixty two South shore seventy two hingham massachusetts
Body found in Chicago's South Shore alley

Eye on Travel

00:25 sec | 4 months ago

Body found in Chicago's South Shore alley

"Shots a day. Ah body was found in a Southside alley this morning. WGN's gave Salgado has more. Police say the body of a man was found in an alley behind the 7200 block of South Jeffrey Boulevard around 9 A.m. Saturday. This is located in the South Shore neighborhood. Chicago police had received a call in responding to the location where the body was ultimately found. Description of the man was not given a cause of death is not yet known, and he has not yet been identified by the Cook County Medical Examiner.

Salgado WGN South Shore Chicago Cook County Medical Examiner
‘Slow And Steady’ Storm Could Drop Up To 4 to 8 Inches Of Snow In Boston Area

WBZ Afternoon News

00:51 sec | 4 months ago

‘Slow And Steady’ Storm Could Drop Up To 4 to 8 Inches Of Snow In Boston Area

"Is that it's not just going to be a couple hours and then it's done. This storm is sticking around for quite some time. We've got a winter weather advisory up until seven o'clock tomorrow night. So we got this snow coming down in waves tonight. It's going to be a few waves of this. And if you're right by the coast, there is a chance to you could see some flip asleep and freezing rain mixing and especially their again South Coast, South shore, Cape and islands. So just be sure to keep in mind that the snow could be certainly heavier, more wet and harder to remove. Everything should start to move out tomorrow later in the day, afternoon, early evening hours all thing Sudden down. We'll see about 4 to 8 inches from most of the greater Boston area. Certainly a little bit less if you're right along the coast closet or four inches or so because of all that makes that makes its way in weekend actually looking pretty okay Morning flurries on Saturday with the high in the mid thirties Sunny on Sunday with a high near 32 live

South Shore South Coast Boston
More Snow in Boston Forecast: Here's When It's Expected to Start Falling

WBZ Afternoon News

01:42 min | 4 months ago

More Snow in Boston Forecast: Here's When It's Expected to Start Falling

"We've got some clouds out there and you're going to see the temperatures tonight getting down to about 20 or so In the Boston area and right on the coast, north and west of the city a little bit closer toward 15 or so and we have this northwest wind. Last night's winds were really, really gusty. Won't be quite disgusting as it was last night, but it was certainly feel a little bit cooler. Now. Tomorrow we've got our next storm moving in, starting in the mid morning hours for parts of southeastern Massachusetts. And through the day the snow in the sleep in the freezing rain is going to make its way from south to north and mostly seeing this sleet and freezing rain on the South Shore, Cape and Islands South Coast. The rest of us mostly getting snow. You might have heard today that this is expected to be one of those long duration events. That's because we're going to be seeing this precipitation starting tomorrow, lasting all through tomorrow night and most of the day on Friday, So by the time all this moves out tomorrow, late afternoon, early evening or so we'll see about 48 inches of snow for the city and points North and West could see some areas north and west of Boston. Getting about 10 inches, maybe a little bit more. If you're going to be in southeastern Massachusetts, right on the coastline, there is a chance you could walk away with this just about four inches of snow, and it's going to be that heavy, slushy, wet snow slushy. What? No, I snow. I should say any more coffee. It looks like we've got this mix that's going to be making it heavy and weighing it down. So keep that in mind if you're getting ready to pick it up. We can actually looking pretty good. Just some morning flurries on Saturday with a high near 34 Some sun on Sunday with a high near 33. All right, let's check those temperatures right now. 25 on the vineyard west of Town, 22 in Springfield, 23, north of town in Manchester, New Hampshire. Right now, in Boston. At 7 35. It is 28 degrees. Well,

Cape And Islands South Coast Boston Massachusetts South Shore Springfield Manchester New Hampshire
Roof Collapses At Vacant Building in Chicago South Shore area

Bob Sirott

00:24 sec | 4 months ago

Roof Collapses At Vacant Building in Chicago South Shore area

"Collapse yesterday on the south side after a storm dumped more than a foot of snow in the city. So far there have been at least six collapses in February. 1 of the latest buildings to fall was yesterday in South Shore vacant building collapsed near 75th Street in Richland Avenue. No injuries were reported. The roof of a six car garage collapsed on the North side. Chicagoans in the city's old Park old Irving Park neighborhood, teamed up to

South Shore Vacant Building Irving Park
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

07:44 min | 4 months ago

"south shore" Discussed on Retire South Shore Radio

"Welcome, this is another edition of retire South shore great to be with you Jordan here along with my good friend and of course our host mark Roelet the president and founder of south shore retirement services located in Hingham. And we're all about making your life very very happy and comfortable and Giving that sense of peace of mind that is so important mark. Great to see you. Tom Brady made it to the playoffs? Last week we were talking about Brady. And he'll never retire and he's already in the super bowl. Can you imagine that bananas. nash. Honestly i. i know. I'm probably going to get shot for saying this on the air but i'm delighted for him and there's a lot of new England people who might not want him to get there but i think it's great. I hope he. I hope he ends up getting another super bowl ring while mookie Betts prove you can leave boston and win it all into will do as well we're here to talk about winning the game of retirement planning and why it's such an important and helpful issue. Today, though we might focus on something that might be a little tougher for some people to hear. But it's a fact of life and death, and that is when a spouse or a mate or partner passes, and this is a very important consideration. Not something you have to dwell on folks but you should be prepared for. So how would you like to open up the discussion today. Mark yeah i mean it's it's it's not the most enjoyable conversation for individuals to have but it's a harsh reality of life and i think it makes that knowledge of knowing that if something happens to you you know you've covered your basis. It just takes that pressure off takes that stress off. Somebody's plate quite honestly As you know. I've been doing this for a long time. And unfortunately i'd seen you know. Probably too many clients that actually became quite good friends. Pass away leaving somebody behind and leaving somebody behind him still has needs obviously have needs but has financial needs That have to be met. And that's really trying to. You know to try and talk about things you can do to avoid what we might call the survivor trapper. That widows penalty Things that you can prepare for just so you know what's going to happen ahead of time and that's part of our strategies in our process would be to look at the not. What if scenarios but the when scenarios of how much money is going to be lost as a result of somebody passing away and it's not just the norm of what you would think there's other things that can be negative impacts l. survivors. Well we've talked a lot over the last couple of years about the increased longevity for both men and women in america and the fact that people are living a whole lot longer. But we still have to be ready in our paperwork and in our planning for that eventuality. That will face all of us. And i keep saying over and over again once you get that done. You don't have to think about it if you're the person signing the documents get it done and it takes all kinds of worries off the table. What are some of the the consequences then of not preparing. I mean the the obvious one is for the majority of our clients. They have social security number the current rules for social security If one person passes away generally the survivor will just receive the larger of the two benefits. When i say generally was different rules that apply if you have them federal type engine Generally if a couple let's say one person's making twenty one hundred dollars a month and social security in another person's making seventeen hundred dollars a month and social security and either one of those people pass away the survivor will get two hundred dollars a month and social security which is good that it's the larger benefit but it's terrible jordan because imagine if you're that couple that's living on what forty eight hundred dollars a month. That's seventeen hundred of that money. To seventeen hundred dollars is gone. Don't tell me that's not going to have a financial impact on the survivor. Of course is gonna have a financial impact on the survivor so planning ahead of time With regards to a how you take social scaring when you should take it. We do a lot of counseling on timing of social security and you know the benefits of raising are obvious but there's also a negative in it's school break even How long's it gonna take you to recoup the money you gave up before you start action seeing additional dollars So you really want to go into retirement planning with your eyes wide open but certainly you know. Put pen to paper on filing for social security with your eyes wide open. A huge factor of course is the issue of probate. And that's why having an estate plan is mu-chou important for we say it every week but in this particular context of getting together with somebody like bill caldwell who's on staff as the attorney and really mark mapping out what it is. You wanna do what your plans are for the future after you're gone. That is so critical. And it can save you and your family and the people do leave behind a whole lot of heartache. I can't tell you that's probably the greatest three hundred ninety nine dollars that anyone would ever spend because that's what we charged for the entire estate plan to wills to powers of attorney to health care proxies revoke -able trust basically a couple of would need in order to get their legal house in order and Let me just tell you a quick story Rather than explain that the each those plans because that's bills job Many years ago. I started working with a schoolteacher down in the cape and he had a side business fixing computers at back in the day. When you fixed computers throw them away An and decide business accumulated quite a bit of wealth. Inside of a business bank account on he retired and we had just started working together. We had not gotten to the point of implementing anything. We just started working together two weeks. After he retired his wife came home. wasn't there was no sound in the house didn't hear anything went down basement. Light was open where he was working on his computer where he had killed over and had a massive heart attack announced away. Horrible right two weeks into into retirement just filed for his pension and he's got like his whole retired life. Her world has changed. I after he just happened to stumble upon it and i was doing a follow up call. 'cause i didn't hear from them. I call the house daughter answers in tears but delighted that i had actually cold. 'cause the mom wanted to get on the phone so long story short with regards to legal planning. They didn't have any legal documents and normally people would think is when husband passes away. Everything just transfers as you know right marriage to to the space and for the most part that's correct but not a business bank account that at one hundred and ten thousand dollars in cash inside that bank account. That was only in his name. It's called dying into state. And i'm not an attorney. That's why i have attorneys on staff but the end of the day that money could not be touched by his surviving spouse for two years two years just because a simple document wasn't put in place so yeah absolutely. Those documents are critically important. There's so many stories. Unfortunately that i've and experienced and been involved in over the years that could have been so easily avoided if somebody had had their legal house in order to that. So yeah that's a. That's a huge

Marc america seventeen hundred two years seventeen hundred dollars Tom mark roe bill caldwell Last week mark rolette two weeks hingham jordan three hundred ninety nine doll today both two benefits twenty one hundred dollars a m South shore forty eight hundred dollars a
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

07:05 min | 5 months ago

"south shore" Discussed on Retire South Shore Radio

"To surround myself with smart people that i can arum. I could find to have them. Work with are fine. There's a great support stuff to that. We often Bow our heads to and thank them every day. And that's carol holly in the office team So much of what we do in life relies on listening and understanding and communicating and getting an prompt answers to our questions particularly serious questions and I know you pride yourself in. The team prides itself on getting back to people so a little tip of the hat to them. No they're they're the backbone colleen carroll on a day to day basis are meeting and chatting with clients Becky is kind of in the background. A little bit. But if you look at any of our social media neuhof becky to thank for that. She's wonderful Susan is generally the first port of Of connection with them anyone she she does all of our scheduling and that chats with clients first before we even meet them. Everyone has a unique role here in a sexual retirement services. And and everyone is vitally important to the running of this business on the being able to have this financial physical. And there's also stuart millar on bill caldwell stupid being medicare guy and bill called wellbeing enhanced attorney now offering low cost legal work to our clients and all of those things encompass the financial physical and and like i said at the beginning. I know at sandy medical. But it's similar to going to your doctor for a physical you go every year. You should have a financial physical every year and have things addressed. It doesn't mean that anything wrong. It just means that you want to make sure that there isn't anything. I think that makes perfect sense in our listeners. I'm sure would agree the number again. Seven eight one eight three six four two one four to Make that strategy call to find out more and retire. South shore dot com. Now one of the things. We thought we do today is is in explore what some of the vehicles are. The people are asking you about and We'll get to things like fixed annuities and cd rates this. Your basic opinion. But i i wanted to ask you about the idea of debts down paying things off That is an issue that especially at the first of the year people start to consider what are what are we talking about here. It is i. Try to put myself in a client's tradition and ensure have had this conversation with them before you know a lot of advisors would say well why would you pay that off because i can make more money in if we invest the money and i'll just make more than the debt costs you but you know there's a lot to be said about putting your head on the below at night knowing that you're debt free I'd rather not have the data at all and if you're growing the money with the ultimate intention that it's going to be used to pay the debt. Wouldn't you rather just cut out the middleman and get rid of the debt. And the reason that i bring it up is that you know. Sometimes we talked to a lady last week. She said i have a cd and come and do in. February and see rates are pretty dismal. I was looking at create back in november in a one year. She rate is point. Six five percent a five-year. Cd rate is one percent and it's not a lot of money to be had there through no fault of anyone. It's just the way the market is in. The world is right so it is a good opportunity for people to kind of clear up. You know big car debt that might have four or five percent fixed interest by our interest rate on it Credit card debt. No matter how good your credit is you're paying pretty significant credit card. Apr's of what they call them So yeah does does make sense to a certain degree to get rid of some debt. You don't wanna do it A bite your nose off despite your face. We're all about having balanced so when we're talking to clients. We would look at that from a balance perspective. Let's get rid of a little bit of that. It's make sure that we still have a cushion and an emergency fund. We have some safe money. We have some money that's protected. We have some money that still working for. You're not that all of your money's not working for you put money. That might be a kind of brian. Daymond side of the office With a little bit more risk inside of it. But it's all about having that balance and that's what we will address with spent we start on those fifteen minute goals as much getting to the point of having the beginning of a financial physical. There's an online. Webinar happening. This monday at eleven check out at retire. South shore dot com and again the number to call the office to schedule an appointment or get that strategy call going seven eight one eight three six four two one four when we come back mark. We'll talk further about the new year. The new challenges and the The the good news for retirees. There is a lot of good news out there and we'll continue right after these words more solid practical advice about retirement is coming up. You're listening to retire. South shore radio for more visit retire south shore dot com south shore retirement services with over thirty years. Experience helps you take control of your financial future. Retirement designing and customizing time tested strategies to meet your unique needs lifestyle. They work with you every step of the way to assure. You won't have to worry about running out of money in retirement. Here's founder and president. Mark rolette with south shore. Retirement services offer to provide you with a financial physical. We all go to the doctor once a year to make sure that there's nothing wrong with us. And it's the same in the financial physical. Want to analyze. Everything that we've done. Every cog in the wheel of the financial and retirement and estate. Finding life to make sure that you're on track for retirement to set up your own financial physical call for a no obligation fifteen minutes strategy session. You can create a plan for your financial future starting today. Call seven eight one eight three six four two one four. That's seventy eight one eight three six four two one four or visit the website retire south shore dot com. That's retire south. Shore dot com at celts. Your retirement services in hingham karen safety for clients and the staff has been a top priority since the pandemic began joining us as the firm's operation specialist carol too lenient. We have a tantalizing station right outside in the reception area and our conference room is very large with a table that fell over six feet long so our clients can that more than six feet apart. We also sanitize the area every time a client comes in the gets cleaned every day as well. Obviously we were in math. The that's mandatory. We mandate face covering When social distance cannot be maintained we also have ties your throughout the office and we also have motion sensors as well in the Bathroom facilities also discouraged handshaking. Obviously it's almost an involuntary response especially in our environment. But you know it's simple fist. Pump is something that everyone is doing now. Anyway you're accommodating folks who wanna meet remotely great delighted to provide any kind of remote meeting whether it.

carol holly colleen carroll stuart millar bill caldwell sandy medical Daymond Becky becky Susan medicare Mark rolette South shore brian south shore hingham carol
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

07:37 min | 5 months ago

"south shore" Discussed on Retire South Shore Radio

"You're in the tax bracket that you're right. I mean you're earning the money that you're earning insurance if you have a 401k that you can contribute to reduce your tax liability and you have some other bills that might be tax deductible mortgage interest. So you don't really have a lot of control when you transition into retirement. It's the one time in your life that you can control what tax bracket you're in but you have to plan ahead of time for that. You can't just roll into retirement and assume that everything's gonna work out fine for you the so many people that we see that have large amounts of money that have not had taxes paid on that yet out so we have this little bubble and obviously things potentially change faster in the next couple of days. What we find out what's gonna happen in the runoff for the senate race in georgia But you have this opportunity where maybe we can control some taxes by paying taxes on a low environment now to have no taxes down the road at when you actually need that money so you do have a lot of a lot of control and a lot of what we deal with is basically. Just helping people simulate. What would happen if a what would happen. If on a tax standpoint we have a fabulous cpa firm that will show clients ahead of time. All right if you do this. This is how much it's going to cost you. Then we can talk to them about all right. What's the strategy of doing that. Yeah we got to bite the bullet now. Pay some taxes now. But now you're never gonna have to pay taxes on that money again going forward. It is certainly as we've said in the past The overhead drone approach where you can get a full landscape picture of someone's plan someone's present status and where they might wanna go and that's advantageous. We don't necessarily do that on our own. out of either fear or neglect or were just confused. Because there is so much out there for us to look at What is it that people should be doing before they contact. You would one of these calls. What information should they at least have at their disposal. You know what it is jordan. I mean i i. Our process started somebody deciding to pick up the telephone from the comfort of their old sofa. Home and getting on a sixty minutes strategy. Cool with me or somebody on my team. Empty trance any burning questions. They have but over and above that because sometimes people don't know what they don't know and it's gives us an opportunity to kind of see what they're trying to do and see if there's any place that they could be making an improvement on if taxes go up and you're going to have to pay additional taxes wouldn't wanna know ahead of time if there's anything that you could do to prepare yourself minimize that impact is gonna have on you and your family. And that's what our fifteen minute strategy calls are all about. And then if it marks we want to take it a step further and jumped on zoom. Call we'll become overly familiar with over the past year and or get together face to face in a very safe way and we can start the going through a financial physical. We don't charge any fees to do this. Our businesses helping people with their money. I am we wanna make sure that we're able to lay out. What options are available to them before they would make any decision. The the financial world and the retirement planning business. If you will is no different than any other business it's evolved it's changed. It's become more sophisticated. There's more things available for people to put them in a better position Better safeguards in place more predictable type of in vehicles that will provide them with income. They want so. I think the to yourselves anyone who's even thinking about retiring in the next ten years to make sure that you're putting yourself on the best possible position for you and for your family and looking at it from the perspective of what happens when we're votes in retirement in having a wonderful time in retirement like we talked about last week you know the things that are nothing to do with finances but unfortunately what happens when somebody passes away when somebody passes away. Is that going to have a financial impact on the survivor. And what can we do to prepare for that. One of the elements here is knowledge. Knowledge is power and you feel much more in control of your life when you. You have these. These things laid out in an organized fashion and easy to understand fashioned on one more important note. You mentioned the word safeguards. And i'm proud to say and and you and i've talked about this both on and off the air that either very very almost well at a stellar record in terms of safety in the office at events were pushing the events off. Because the governor's asked us to as well as common sense tells us to but Just a just a quick note. That people should know If they're coming to the office which is in hannam everything is secured. lots of p p. e. and pretty much every safety precaution is taken absolutely. I you know. I think it's just a socially responsible thing to do to back away from public events and you know i don't want to you know i don't wanna get the virus. I don't want to spread it around. And i don't want to have a group of people getting together and having some sort of potential risks. So this upcoming week. We had scheduled to have to face to face workshops in morocco which is a wonderful hotel. Datum plymouth pine hills and we just elected to transfer to a virtual event. So we're doing. A virtual event on tuesday evening on thursday evening at six thirty just like it was a seminar. We'll talk about the same things. We'll talk about it through. The safety of our office and people will be at their homes And it's the same thing when people come into the office our our offices big enough to be able to socially distance. It's big enough to be able to make sure that people feel safe when they're in their out when you're talking about people's retirement and you're talking about their life savings i. This is just my personal opinion. You can only take it so far virtually. Eventually you have to meet face-to-face to face. This is just a how i feel. So people wants to meet the people that they're going to work with but they also want to feel safe and pushing things often wasting might be the wrong thing to do because who knows what's going to happen with the market. Who knows how long it's gonna take for everyone to to to get to a place where we're back to whatever normal we used to have so we wanna make sure that people know that when they come into the office. It's a very very safe environment. Being double take a short break. Remember it's retire. Seltzer dot com to get all the information on upcoming seminars. Whether virtual or in person you can also call the office for that fifteen minute. A no obligation strategy call seven eight one eight three six four two one four and we will be right back more solid. Frankel advice about retirement is coming up. You're listening to retire. Sell show radio for more visit retire. South shore dot com sold shore retirement services with over thirty years. Experience helps you take control of your financial future in retirement designing and customizing time tested strategies to meet your unique needs and lifestyle. They work with you every step of the way to assure. You won't have to worry about running out of money in retirement. Here's president mark roulette with south shore. Retirement services offered to provide you with a financial physical. We all go to the doctor once a year to make sure that there's nothing wrong with us. Then it's the same with the financial physical. We want to analyze. Everything that we've done. Every cog in the wheel of the financial retirement estate. Binding life to make sure that you're on track for retirement to set up your own financial physical call for a no obligation fifteen minutes strategy session. You can create a plan for your financial future. Starting today call seven eight one eight three six four two one four. that's seven eight. One eight three six four two one four or visit the website retire south shore dot com. That's retire south. Shore dot com et seltzer retirement services in him care and safety for clients and.

hannam Datum plymouth pine hills senate georgia jordan morocco mark roulette Frankel south shore
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

06:07 min | 6 months ago

"south shore" Discussed on Retire South Shore Radio

"The marketing. All of the things that you see with With radio shows that we do which they spoke with webinars with with getting information at the people who who need this information. Who wants it so yeah. The team is is is fabulous. I definitely couldn't do it without them. And obviously wanted to reject and say ope everyone had a great couple of days off or carol and an holly and susan mbeki who are the backbone of of the office of a very very thankful Appreciate every friday to all right before we end for the year. What's number seven on the list of seven items that we should really be on your and it's aren't loves hats. Hats whatever pets you know the humans a best friend. I think you know having that potentially in your life gives you a lot of the things that we talked about on list gives you good. Health statistics will show that somebody walks. Dog wants day getting more like you don't even need to know. Statistics just know that is song strong. Social connections you're out walking your dog and your meeting other people Giving you a purpose Animals give you a purpose because you've got to get up and you take care of them education learning about the the animal that you have gives you an optimistic outlook who who has had a dog. That's from work in the evening. I don't picking on dogs. All animals are like this. I have three dogs never have lung one of the dogs. Like you can't believe the day. I had it just so happy to see you if they've seen for the first time and wherever you benchley into gratitude apps radically art from an animal that the thing that i joke that i said earlier that lauren loves this is that she's pushing her mom to get a dog so hard the the out for her which her dad loves is if you don't like dog if it doesn't work out for you we'll take it. He said so. We'll have four dogs actors. We have three already. Zun are we may have four dogs and twenty twenty one. But that's what she's been doing. I i have a feeling your mother-in-law whom i've met on more than one occasion. She's a doll. I think you'll fall in love with whatever dog. She gets out pretty sure. She will always my predicament. Dry runs with that. Maisy eddie two of our dogs. That could out and stay with them. Find time just for a night just so they can get their toes wet with a little bit but yet so that. That's that's the the lab the last one. I think you know there's so many things that are nothing really directly to do with the financial side of of of retirement but are critically important people in order to be able to enjoy themselves. We we provide the money we are. We provide a means of how you would take the money out. We provide the ability for you to not worry about that. We provide the ability for you to at have all of your bases covered from a investments and on money sat standpoints. Illegal standpoint insurance is covered taxes. We will help you with so you can go and enjoy the other more valuable assets in your life. All that is a very very fine. Not just a promise but a an absolute that Is the case. And i've been doing a show with you for over two years now and i know that you're at meaning every single word of it and you loved the people you work with. So let's do this before. We say happy new year a few days early remind people that That strategy calls available anytime seven. Eight one eight three six four two one four but you can also connect via zoom. They're all kinds of ways to communicate the seminars that were scheduled in early january as mark mentioned will be postponed as live events however they will be virtual events on the same date and time. And i'm sure when things loosen up and they will with the vaccine coming you'll be back with live events hopefully sooner than later and Just a reminder to go to the website retire south shore dot com or to the facebook page to interact itself. Sure retirement services any parting words before we say happy new year and by till next year. Now i just i i wanna thank everyone who who listens on a weekly basis to show. I truly truly appreciate the listenership been really loving and this is not a sales line. I've been loving meeting people to write the year that have listened to the show. Come in and said. I've been listening. I listen to you every week. So it's just cool to listen to meet the people who listen every morning. I i realized rented this being a massive challenge for everyone I i hope that you know the new year will bring new hope. And i you know lots of my wife's a nice friends are are nurses and doctors and Police officers firefighters. And they're all beginning to get this vaccine and if you want it get it great if you don't. That's fine too. I hope that this gives us Kind of light at the end of the tunnel Things that that won't change would be the fact that people will want to continue to retire. We will continue to help people Put together very very Easy to understand strategies that they can see that they can kind of sail off into the sunset knowing that they're never going to have a worry about run out of money in retirement that to me is the most important thing that i can contribute to the world writer. Well here here to that. Have a safe and wonderful new year. You and your family and we'll be back here in twenty twenty one next week take care. This radio show may contain concepts that have legal accounting and tax implications. It is not intended to provide legal accounting tax or investment advice by contacting our company. You may be offered information regarding insurance and fixed annuity products. Annuity guarantees rely on the financial strength and claims paying ability of the issuing insurance any comments regarding safe insecure investments and guaranteed income streams refer only to fix insurance products they do not refer in any way to securities or investment advisory products fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. You've been listening to retire. South shore radio a presentation of south shore retirement services for the latest on free seminars to obtain a report or to set up a consultation. Please visit retire. South shore dot com stay tuned for more real world. Retirement solutions. Retire south shore dot com..

susan mbeki benchley Maisy eddie holly carol lauren mark facebook South shore
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

07:54 min | 6 months ago

"south shore" Discussed on Retire South Shore Radio

"Top priority since the pandemic began joining us as the firm's operations specialist. Carol too lenient. We have sanitizing station right outside in the reception area and our conference room is very large with a cable. That's well over six feet long so our clients can that more than six feet apart. We also sanitize the area every time a client comes in. The awesome gets cleaned every day as well. Obviously we were in math. The that's mandatory. We mandate face covering When social distance cannot be maintained we also have ties your throughout the office and we also have motion sensors while in the bathroom facilities also discouraged handshaking. Obviously it's almost an involuntary response especially in our environment. But you know it's simple. Pump is something now everyone is doing now anyway. Carol you're accommodating folks who wanna meet remotely by any kind of remote meeting whether it be zoom or a phone call finally in these challenging times. What people want and need is quick response. A quick answer to their questions. I know that it's very high on your priority list. We pride ourselves on answering the phone when you call getting back to finish we can. Communication is what we're all about. Thank you to carol too. Lenient operation specialists at south shore. Retirement services in hingham. Where your care and safety comes first. More solid practical advice about retirement is coming up. You're listening to retire. South shore radio for more visit retire. South shore dot com low and welcome back to part two of our broadcast. Today our special pre-christmas show might even mixing little christmas music by the end because that's always fund mark. Rolette is me of course and we're talking about a variety of issues but particularly focusing on the checklist for the end of the year when it comes to taxes and everyone's intent is to pay their fair share but also to save money in the in the future for us in our legacy so mark we talked about three or four or at least three. Let's add to the list if we can. I mean there's there's a multitude of different ways to potentially save on taxes I think it's just a case of what works for you and what doesn't view at one that you know is the the standard thing that people say. Is max out your retirement. Plans put as much money as you can comfortably afford into your 401k area. Ira or four zero. Three b plan to help reduce your current tax liability. But what if it's a. Maybe maybe don't do that. Maybe maybe it's not the best strategy for you. 'cause it's not again can't stress this. It's not one size fits all we have a lot of clients that come in when they go through our process and they see that they have enough money saved to comfortably do everything that they want to do in retirement than there saying proud as punch. It's fabulous. I'm so happy. I can see where my income going from. I can see where my growth is going to come from. See all of the cogs in this financial physical wheel But i'm not ready to retire going to work for a few more years and guess what i can maximize 401k for the next few years but sometimes putting money into a pre-tax camped and taking tax deduction for it in the lowest tax environment. You're probably ever going to see in your lifetime again. A as a speaking to retiree might not necessarily make sense it depends and it depends on a multitude of things but some of that is what tax bracket. Are you going to be in and retirement if you're going to be in roughly the same level financially in retirement. Maybe you're actually going to be a higher tax bracket so maybe you're deferring money in a lower tax bracket than you're actually going to end up paying taxes on it when you pull it out and so you want to go in with your eyes wide open whether you do that. It's the obvious suggestion. Throw money into a retirement account and take a tax break for it but it might not make sense for you indeed and we often remind people that these are changeable bendable flexible plans. And you have to be on your guard now. That means we want to know that you're on our guard. You're really on the front point taking point and making sure that things are moving along which is why communication is so critical. We talk about this often at the end of the year. It's good to remind people that the phone lines are open Throughout the week and you would actually welcome. Those quarterly reviews. Those a very important part of the process half my weakest is either speaking or meeting with existing clients at constant communication is critical and i've had multiple conversations with people especially this year with because i asked him like what's really the most thing the thing that most attracted you to our firm when you when you come on because it's good to know And the majority of people. Is you know the communication the fact that they know. You're there Obviously you know what way we position. Their their retirement is important but having the ability to talk to someone knowing somebody is there for them is really really important in too many times. I've seen people coming in. yes they have. They have a firm that they're working with but they very rarely speak to them and especially during twenty twenty back. You know when when you and i went from meeting each other in a studio every single week record this show to remotely One of the things that we pride ourselves on was that we were proactively reaching out to our clients during this pandemic not to change anything but to just reassure them. What they had done is the reason that they had done it. scary periods of time like the beginning of march when the market was tumbling Remade people panic. And i talked to clients that said. Hey my friend. So and so Lost a bunch of money hasn't been able to get in touch with advisor that's terrifying. I would not want to be on that side of the table. If you're interested in making that phone call for a fifteen minute. Complementary strategy calls what we're calling it seven eight one eight three six four two one four and as you heard carol and i were talking about the The code of conduct which suggests everyone gets a call back quickly and communications key. So that's very very important. Seven eight one eight three six four two one four to follow up with mark and his team. So we're finishing this list and checking it twice as santa would say but I'll just check it once. Wh what's another top suggestion for people at the end of the year regarding got a couple more than this this this one is kind of tying in a few different things but we've lots of clients that want to give money to charity. It's wonderful But they're not sure maybe who they want to give it to so we help clients set up what we call donor advised funds which are like family foundations but at a fraction of the cost so basically you can put money into these multiple investment firms. Have them Money into these. Take your tax deduction for them and then decide where the money's actually ultimately going to go down the road so you're getting what the benefit of the taxes. But i know that's for the most part what people give money away. That's not their motivation. So then they have time to figure out where that money's going to go. I think you know things that you wanna be thinking about with the changes in tax code and ten changes in how itemized deductions are taken more of a conversation for our. Cpa's is you know you have to kind of figure out have written appraisals. Have documents down as to how you gave money. What sort of money you gave you gave goods clothing kitchenware. Furniture away document. Maybe even take a picture of it. That might not be bad idea of what you gave away the cares act which we talk about a lot regarding the stimulus money. It freed up at but it actually changed. You know how you would deduct. Cash donations going forward with with some exceptions. So just kinda gotta be aware of the new rules at with.

Rolette Carol hingham south shore carol South shore santa mark Cpa
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

06:35 min | 6 months ago

"south shore" Discussed on Retire South Shore Radio

"We'll figure out when so pretty right and you kind of lead me into that. You know the next point that that people ask will have enough money to be able to afford to retire. Will they have enough money to cover my lifestyle you know. Sometimes people will say and you see advertisements on the tv and have this really nice graphics and everything in the leading to some large lump sum of money. People ask what's your magic number. What's your number to help him. Retire and generally answer when i sit with clients and we actually you know. Peel back the onion skin and on and look at it. The answer generally isn't some large amount of money. Some lump sum amount of money. That's not what people are thinking about. People are talking to me. In monthly are annual terms Us to this is how much money i need every month. And why do you think that that that might be an. The answer. Was a rhetorical question. I guess but i'll give you. The answer is that people don't think in thirty year timeframes because if you have a large lump sum of money. Grace that's fantastic. But what are you going to do with it. People think monthly and annual terms in that my life cost me forty five hundred dollars a month. I have twenty seven hundred dollars from social security to. Where am i going to get the rest of my money from. I'm going to get it from my investments. But how are we going to make sure that that lasts me for the rest of my life. That generally is a conversation that people haven't had before because they haven't need to ask before which is why we've recommended through your expertise that people try it out. Test run a retirement budget for awhile to see how it specifically i mean evaluate where that's part of our fifteen minutes strategy calls that you know revolved into jumping into helping people with their overall financial lives. But you have to evaluate where you money's gonna come from one size does definitely one size does not fit all right in in this situation so we have to look you know where you're getting solid income front cover essential expenses things like social security pensions. If you have them are wonderful. People have annuities that will kick out income to them Covering all of your expenses. Great but if it's not whereas the rest of your money coming from Lots and lots of time an almost every time that this is really the first time in people's lives that they've asked their money to actually give them money to start kicking money out to them and it's a completely different paradigm is how you look at your. Your overall investments and savings plans Here about the things that keep you up at night. If you're thinking about retirement we've covered two of them and the financial physical is something that south shore retirement services offers once once. It's it's reasonable that it's a good idea to do it. And and in that financial physical so many of these questions are are answered in depth and detail and taken up but what would be one more before we take a break and then we'll teased the audience for the last one. What's another reason why we can't we toss and turn over these These issues the the huge thing you know people. Obviously they wanna know. When can i retire. They wanna know. We'll have enough money to retire. But they wanna know woman. Money last Wilma money last for as long as i needed to last. And there's underlining risks the people have inside of their overall retirement strategies that you should be looking at trying to eliminate some of those and i don't just mean risk in the traditional sense of losing money but that's one you know having negative returns in your portfolio can have a pretty significant impact on an account at the best of times but it definitely has a profound effect on account when you starting to pull money out of out of the account. This thing called sequence of returns. Anyone listening just google it. Google sequence of returns sequence of returns is not as important when you're accumulating money when you're putting money away. The market goes up. The market goes down and how you reach that six percent rate or seven percent rate or whatever rate of return. You're trying to achieve is not as material when you're accumulating money. 'cause you're not pulling any money of the account when you're taking money out of the account how your returns are met has profound impact on one person starting or two people starting with exactly the same dollars and taking the exact same dollars out of the account on an annual basis and based on how they achieve the same rate of average return. One person might have a couple of million dollars left at eighty. A one person might completely run out of money in their mid seventy s. There'll be a live webinar. This coming tuesday at two pm. That mark will deliver as well as thursday at eleven. Am go to retire so sure dot com for details year. End tax retirement Seminars that are very helpful in their live. And free all kinds of ways to interact. I've mentioned the phone number. I'll do it again. Seven eight one eight three six four two one four but when you do interact i can assure you and marc will assure you as we come back after the break that Every precaution every safety protocol that you can think of is his handled. And that's why We use the technology that is given to us and it's been a boon for people to try to get answers and information mark. You'll have more on. Will my money. Last an important question for pre retirees when we come back from the break. You're listening to retire so sure radio. More solid practical advice about retirement is coming up. You're listening to retire. South shore radio for more visit retire south shore dot com social retirement services with over thirty years. Experience helps you take control of your financial future in retirement designing and customizing time tested strategies to meet your unique needs and lifestyle. They work with you every step of the way to assure. You won't have to worry about running out of money in retirement. Here's founder and president. Mark rolette with south shore. Retirement services offer to provide you with a financial physical. We all go to the doctor once a year to make sure that. There's nothing wrong with us. And it's the same in the financial physical. We want to analyze. Everything that we've done every cog in the wheel of the financial and retirement and estate. Planning to make sure that you're on track for retirement to set up your own financial physical call for a no obligation fifteen minutes strategy session. You can create a plan for your financial future starting today. Call seven eight one eight three six four two one four. That's seven eight. One eight three six four two one four or visit. The website retires south shore dot com. That's retire south. Shore dot com.

Grace Wilma google Mark rolette marc South shore mark south shore
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

08:18 min | 6 months ago

"south shore" Discussed on Retire South Shore Radio

"This is retire. South shore radio a weekly program designed to educate you on all your retirement options and introduce you to mark. Rolette factor of south shore retirement services for the latest on free seminars. To obtain a report or to set up a consultation. Please visit retire. South shore dot com retirement services on real world retirement solutions looking at the whole picture to design a complete strategy including retirement planning medicare decisions and legal documents. Now here's mark rolette and your host jordan. Rest hello friends and welcome to another edition of retire social radio jordan here along with mark or let the founder of south shore retirement services in hingham massachusetts where here getting closer and closer to the holiday season. It is hanukkah for those of you who are celebrating. That and christmas is right around the corner. Mark great to see you a. You're looking well. i know everyone on. The team is keeping healthy and helping out our clients as best we can. Yeah good to see you to always almost almost at the holiday season it seems as though we just did this. Yesterday we were talking christmas. And all that I know one group. The three girls at home must be all excited about christmas. It is. it's it's interesting I'm assuming i'm gonna make sure that. Emma doesn't doesn't listen to either of the shows that we put out today It's probably the last year that we have when we have one santa believer in there. So we're really trying to even though it's a weird year with corona virus She has not asked a question which i thought was interesting She hasn't asked a question of how was santa. Going to be safe enough to go into millions of people's houses in one night is he gonna wear a mask as he gonna wash his so she hasn't asked that question yet. So we're we're. We're hoping that that won't come. Will santa we do know. Where's gloves but we'll leave that for another time. Another discussion. the lots to talk about today I was thinking as i look at the clock. And i'm a man who runs his life on radio by the clock. The importance of the fifteen minutes in your world to fifteen minute phone call. Can we start with that. Yeah well you know. I mean people are busy and i realized people are busy and and you know. We want to make sure that it's as easy as possible to get the process rolling. Get it going with us and we can talk about our financial physical but we like to try and start things off for the fifteen minutes strategy chat you know the people can pick up the phone. Call my office. Speak to me or somebody on my team. And from the comfort of their own homes sitting on their own sofa with the copa t. Ask questions things that might be concerning them. Things that might be and we're going to address this today. Keeping him awake at night And and have that opportunity to see if there's anything that they could be doing to put the put themselves in a better position so really that that we kind of set this up earlier on this year. Big animals partially because of the pandemic and people were in lockdown that. I just think it's an easier way less threatening lane for people to start talking about retirement is you don't have to get in your car. You don't drive over to an office you just pick up the telephone. We'll chat for a few minutes and we'll see if something that we can do to put you in a better position or if there's something that you should be addressing and at that point then we can talk about options as to how we would go forward whether it be face to face it face to face. Virtually i mean people. We've talked about this time and again the lifespan All things aside is improving and increasing. And you might have thirty or forty years ahead of you. So that fifteen minute call can be valuable. The number is seven eight. One eight three six four two one four seven eight one eight three six four two one four and we'll touch on what the financial physical is all about as we go moving the program today but You mentioned something. That's near and dear to my heart how to sleep better. We're all looking to get more sleep and richer and fuller sleep and one of the things that keeps people up at night is woori consternation. And and we've got four examples of the questions that keep pre retirees up. And i i'm sure i fit into this category. So what are we have. Yeah i mean it just becomes more and more abundantly clear to me and it's not like a a google statistic that you read. I'm actually seeing real people on a day-to-day basis. And they have the same concerns over and over and over again and you know most people want to be able to lay in bed at nighttime and dream about what. They're going to be doing on their bucket list. I and we talked about this a few weeks back about that. you know. make a bucket list of a hundred things you wanna do but people wanna be dream about traveling when we can travel again freely Hobbies and things that they might do pastimes. They do. Maybe once a week now or once a month now that they might be able to do more often in retirement spending time with their time with their families and enjoying their families. Because they're going to have more free time are potentially starting a new business venture. I have lots of clients that retire. And they go into some new business venture and sometimes it evolves into another fulltime job. Sometimes it doesn't but unfortunately people worry i mean. I am irish so weird naturally bread to constantly worried about things that drives me towards this job to be able to take some of that worry off of pupils the reshape. There is things that people worry about. I mean obviously the most important one are the you know the one that comes up a lot of people. Initially as when can i actually retire is possible to do it's interesting. I was reading a statistic earlier on that said I don't actually know where the statistic came from. So don't ask me to quote where it came from. But it said fifty percent of americans between forty and sixty five that have household incomes of one hundred thousand dollars or more are concerned that they will not be able to afford to retire. And that's like that's astounding to me. I mean there's so many people who were living well below that amount of money But those people in the hundred thousand dollar. Plus range are very concerned. Half of them are thinking that they can't retire. It's so interesting. You say that. Because i talk to people in my day work as well who are so concerned despite having a pretty stable income and some savings. I think we've said in the past that there a pleasant surprise often when you're able to present their their overview on the whiteboard because you've got some facts and figures and People should not be as as pessimistic as some of these folks are suggesting they should be. So that's that's one of the obvious ones wen to retire and go into more detail on that one. Who when you're thinking about. When can you retire. What's driving that when can you retire. What's motivating pick a date is is it. Is it because you ready to retire and you wanna you wanna have leisurely. Time is health. Are you concerned about your health. Are you concerned about longevity when you go into retirement Is is it like a happiness thing you know. I'm ready to retire. Ready to spend time with the family. And i'm looking. I'm looking forward to this. I have those conversations are friends and family telling you you know what you work eighty hours a week and you've worked eighty hours a week for the last fifteen twenty years. We need to see you have a client. I'm thinking of right now. And he gets up on sunday. Morning goes for driving a cup of coffee. So i won't mention his name but i know he's listening you know it's a case of. Are you going to be able to step back. And actually retire mike. Experience has shown me that the happiest people retire to something as opposed to retire from something You know you you take from whatever you want from that comment but what i mean by that is that you have something that you ready to transition into another job. But you're not just retiring just for the sake of retire. Well obviously your main mission is to ensure that people don't have to worry about the money in retirement that that is something absolutely primo that happens but alongside that i know this fact. You're there to ask those questions that there's somebody has asked himself or herself or they haven't been able to ponder it bed for whatever reason so it's a great time to To face these issues and many of them are pleasant issues. Why do you wanna have fun life in retirement. It's coming months..

Rolette mark rolette south shore retirement service santa jordan hingham South shore medicare Emma massachusetts mark Mark google mike
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

13:52 min | 6 months ago

"south shore" Discussed on Retire South Shore Radio

"Of new clients that have never spoken are rarely speak to their advisers and the only time they do is when they contact their advisers we pride ourselves on constant communication with our clients because want to make sure that we're still maintaining the objectives that they have over and above. That is just the right thing to do. Create a plan for your financial future starting today call south shore retirement services eight one eight three six four two one four seven eight one eight three six four two one four or visit retire south shore dot com more solid practical advice about retirement is coming up. You're listening to retire. Sell shore radio for more visit. Retired south shore dot com. Welcome back part. Two of our program today retire south shore radio jordan along with margaret the founder and president of seltzer retirement services located in hannam with clients throughout the south shore and beyond and a lot of folks by the way. A lot of folks are heading south. Have probably already flown. The coop are snowbirds and we wish them. It's tough no matter where you are. But at least we hope our listeners who pick us up on On the web are listening enjoying the time in the warmer weather so we talked a little bit about why people are so gaga over the roth. Ira there are some real benefits. But what might be some of the drawbacks. Some well i mean the obvious reason for a roth conversions to transition money. That's going to be taxable during your lifetime anyway. It says no control over that because required distributions. If you transition at the reason for doing roth conversion now would be if you're going to be in higher tax bracket in the future and why might you be in a higher tax bracket in the future. Well taxes are most likely going to go all right so the idea of this low tax environment. That we were in now is not going to last forever. So that's the reason to do it. But there's a lot of reasons to not do a roth conversion and don't just jump in because somebody told you this is the the the greatest thing since sliced bread because it might not make sense for you like any financial strategy or instrument could be perfect for one person terrible for another person so one of the big reasons obvious. Reason is you're going to be in a lower tax bracket in the future. And why would you be in a lower tax bracket in the future when taxes are going up as i said two seconds ago. Well maybe make one hundred and fifty thousand dollars a year but you live on seventy thousand dollars a year right so you go into retirement now. You don't need that hundred and fifty that tax bracket that you're in now you're in a seventy thousand dollar tax bracket so you're in a lower tax bracket so why converted when you're making all this money and create additional taxes that you don't need to pay for that's one major reason to not do a roth conversion another pretty and i have like seven of seven reasons really will go dorton reason to not do a roth conversion and this actually came open conversation with a client. Few weeks back that came to a workshop came into the office. Ho to do a roth conversion 'cause they wanted to get everything title when they were getting ready to retire next year a move down full-time to their at their condominium in florida and sell their house in massachusetts like i just wanna get everything. Buttoned sounds like a great strategy. Let's do that in a night. I said will you just told me. The reason to not doing are token about. I said you just said you're going to sell your place in massachusetts moved to florida. What's the big difference between besides the weather between massachusetts and florida massachusetts has a state income tax florida's not have state income tax right. So if we're going to do something like this maybe it makes sense to wait. Wait until florida's your primary residence and if the tax rates are still to your advantage then let let's look at it at that point but why pay that extra five plus percent in taxes and then move down to florida where they didn't have taxes in the first place so that's another. Major reason is is having a little bit of proactive forward. Thinking as to what's going to happen in your world and unfortunately there's too many people out there who were in my field that will just look at today or look if you know the next six months just because they want to get a new client An don't get me wrong. This plenty of really buying up people out there that do a fabulous job at but yet you can't be shortsighted in making these decisions because it's difficult to reverse these transactional you're you're in it for the long term with with your clients you've grown up with them. They've grown up with you. You now know their grandchildren. They know your children. I mean that's been the watch word up one of the things before you run through a few more of these Important considerations what you're talking about and what we talk about regularly is empowering people in retirement. People have more wiggle room. That's kind of a funny way to put it. But they have more power and more choices to make than they might have had during their work life. Oh absolutely i mean like. I said this right at the beginning my dad. He left college and he went in a granted. I'm from another country but he left. College went and took a job entry level position in guinness brewing company and works that job his whole career and retired out of that job granted. He started his own company. Acid up with his whole career was with one company and when he retired he had a pension plan and he had the irish equivalent of social security. And that was this But that was normal back then right. My dad's almost eighty so that was normal back then at that was normal in america from what i understand right. Social security and ninety companies had pension plans absolutely no. that's not the norm. There's a million different choices. I used this analogy year ago. We talked about davos. Reminded me that. The cheesecake factory's in braintree fayza as well you ever look at the menu in the cheesecake factory So overwhelming that. I almost don't want to go gone with the wind. It's gone with the wind to me. It's so much robbie's so it's the same in the financial world is there's a million different financial strategy of million different types of products is a million different investments that you can go into and they continue to evolve. They continue to get more sophisticated. Better safeguards in place that could just continue to change as time goes by so even if you have financial strategy that you put in place it probably behooves you to just take a look and get a second opinion to see if it makes sense to make any changes and if it doesn't shirt isn't that a good thing right. Don't you feel when you feel good about yourself having it reaffirmed by somebody else say that you're on track. I would love for you to sort of point a few more of the reasons why you might be wary of the roth you. You've to beautifully. We don't have a whole lot of time left. But i think people would love just a a thumbnail yet so i mean always the obvious one is that you don't have enough money outside of the ira to pay taxes of these. You can use the ira to pay the taxes but that kind of sets you behind the eight ball to a certain degree. So ideally at somebody who's got a lot of money sitting in cash or cd's that aren't really making a huge amount of interest but they're already after tax monies we use that to pay the taxes Another reason to potentially not do a roth. Conversion is if you need that money within five years if you need to start using that money within five years as a five year rule with roth conversions roth. Ira's you have to let the money sit in there from five years. That rule is difficult to understand for some folks. The ruled is five years from the point. That you started your first roth. Ira not five years from the point that you convert each roth ira so you might have one from the eighties that you put fifty bucks into. That's your starting point Another reason to potentially not do. It is if you plan to leave the ira to charity. I have a lot of clients. And i met with the lady. Recently who has some grand nieces and nephews doesn't have any children was never married school them a bit of money but she wants to leave money to a pretty significant Cancer organization for children so leaving. Ira money to a charity versus roth. Ira money to a charity. You're leaving the more money if you leave them the ira because they don't really have to pay taxes on this anyway. So that's a reason to not potentially do that I i guess if your beneficiaries If your beneficiaries are in a lower tax bracket than you are likely to be in a lower tax bracket than you are going forward will then it might make sense is leave it to them the way it is because they'll pay less taxes than you'll pay on it writing a huge weeks into not do secure and then the obvious one is if you're estate isn't large enough. You can't categorically no that you don't need this money for yourself In the near future. Then maybe it doesn't make sense to do this different types of taxes you don't wanna create tax liabilities. That were avoidable by right transitioning from a traditional ira to rob theory but the big. The big thing is everyone's situation is different. And that's why we sit down with folks on weed out whether this strategy among all of the strategies that are available which is almost endless at what makes the most sense because it's so overwhelming that a lot of times people just buried their head in the sand and do the worst thing that you can do is do nothing now. I know you very well. And i also know you get such a charge of helping people a kick out of helping people because this is a very creative service that is provided in other words. I come in. I might be the perfect guy to convert to a roth right now and then. Three other clients on tuesday might be just the opposite. And that's you feel them as they come and you and you're you're looking at each in each individual case and why. Why wouldn't everybody do that. They don't but I'm glad that you do and we reinforce that. Every time out i think unfortunately roth. Conversions has the criminal that flavor of the month right now. Yellen address it. If this the opportunity to help client and help them alleviate future tax liabilities and and in turn give them better returns yet we wanna bring it up but no to cases are same most of our clients a lot of similarities because of the same sort of pliant. Either somebody who's getting ready or has already retirement but everyone's situation was unique so we wanted to lay it out on an have an individual strategy for each client or each couple that we work with at raf makes sense. Roth conversion makes sense. Yeah let's talk about it. If it doesn't make sense we'll explain it was make sense. I think it's important to consider both sides here when you're looking at the website retires south shore dot com has much more in by the way on tuesday of this week at eleven. Am that's alive webinar. Mark you'll be hosting that on taxes on retirement and the roth. Ira will certainly be a topic of conversation. I trust yeah. I think a lot of people are concerned about. You know what what's going to happen. January fifth of next year. You know the the the the run run to to the m the senate the senate race older georgia that ratio. And it's gonna it's gonna it's gonna not necessarily the diet. I don't think that at all but but it's going to help. People make a lot of tax related decision so we are kind of watching out for that than the webinar gives people interesting opportunity to kind. Get an idea on abbreviated. Version of our workshops as to what you can do again the webinar similar to the fifteen minute strategy goal. You could be in your jammies asshole sitting at your desk with a cup of coffee A log in a all of the information on our website which by the way we launched in sight this past week. So you should check that out Same website address. Just the new right. Do i wish. I had a pajamas door right about now. We talk about that a lot. before we sign off and Bid you all a very fine sunday at a great morning There's a wonderful way to connect if you if you're just curious on facebook for south shore retirement services. It's really quite interactive and very helpful. Also every program that you hear on the radio is then converted into not a roth but a podcast and it'll be up on the platforms that you expect apple and google institure in all of them the following monday. So if you miss anything if you want to go back and catalog anything feel free to do that. I just wanted to Wish you the best today. I know Were approaching. christmas won't be long. We'll be doing our holiday jojo shows and you must have some shopping to do. You're doing all your shopping online. This year lauren. Thank god does most of am but yeah a lot of online shopping at unfortunately sometimes difficult. Some of these faces required went to the store and get it. I didn't even know that was thing but yet run online shopping. Just trying to stay sensible and responsible i. It's you know. Some of the kids brands wanted. Everyone wants to get together and sixteen. Sixteen people you have to kind of break. Their arts a little bit but we have to stay here we we will break their hearts momentarily and I'm i'm looking forward to next thanksgiving already knowing that. It's going to be better marquez. Always thank you sir. And we'll We'll talk to you next week. Stay safe stay well and keep up the good work at this. Radio show may contain concepts that have legal accounting and tax implications. It is not intended to provide legal accounting tax or investment advice by contacting our company. You may be offered information regarding insurance and fixed not products. Annuity guarantees rely on the financial strength and claims paying ability of the issuing insurance any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to securities or investment advisory products fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company..

florida massachusetts south shore seltzer retirement services hannam dorton margaret rob theory jordan roth braintree Yellen
"south shore" Discussed on Retire South Shore Radio

Retire South Shore Radio

08:15 min | 7 months ago

"south shore" Discussed on Retire South Shore Radio

"Like ourselves. So that's the thing i've been thinking about. I think you're very very wise to do. So because this is a huge rollout out in a massive massive undertaking in. We've got some great people behind but it's still going to be a challenge in the next segment after we return from society. First one we're going to focus a little bit on the current state of our country economic forecasting. Things like that and you mentioned the election. It has to be discussed because that'll impact the stock market and much more mark will initiate that discussion. But before we do take the break mark you've got a couple of events in the distant future in december both the ninth and tenth. Dob ios in braintree sixty m limited seating very safe conditions open restrictions. But what will you be doing at a that kind of seminar before it will those. It's nice to be able to have public events again will be able to keep them. I don't know how long they'll be four but does multiple ways for people to reach out to us and connect with us. We we talk a lot about strategies to help alleviate eliminate future taxes and people's retirement plans. But it's as simple as we talk about this weekend and we get we do these fifty minutes strategy goals and i would encourage people to call the office or log onto our website or go to our facebook page so many different ways to connect with us now thankfully And set up a fifteen minute call with myself or somebody in the office to just kind of review. What you're currently doing because if you're at all concerned with the plan that you have and the plan that you have isn't for you because you shouldn't be concerned about it. None of our clients concerned about the strategies. We've put together. Our plans and strategies have not changed as a result of the covid nineteen at virus We always want to have balanced. We always want to have the ability for people to kind of weather the storms and we're going through a storm right now so i would encourage people like i said before you could be sitting on your couch and your pajamas and pick up the phone. You don't even need to leave your house and we can initiate and start that and that all kind of stems into that financial physical of whether you want to come into the office and maintain social distance. Meet with us face to face or jump on zoom or facetime. There's so many ways to connect now this technology that we have been fantastic to not having a completely isolated so yeah. I would encourage people to do that if they want to. Come to davos absolutely call the office. And they're they fill up so fast and we can only have twenty five people and it's not like pre corona where we could overbook with the understanding that some people have things going on. Life's get busy And they have to not not come to the event now. We can only book. Twenty-five fill up really quickly and the number to call for that and for other information is seven eight one eight three six four two one four short break. We'll come back and continue our chat with rich and sue marks and laws and mark above a few more solid practical advice about retirement is coming up. You're listening to retire. South shore radio for more visit retire south shore dot com salts. Your retirement services with over thirty years experience helps you take control of your financial future in retirement designing and customizing time tested strategies to meet your unique needs and lifestyle. They work with you every step of the way to assure. You won't have to worry about running out of money in retirement. Here's founder and president. Mark rolette with south shore. Retirement services offer to provide you with financial physical. We all go to the doctor once a year to make sure that there's nothing wrong with us. Then it's the same in the financial physical. We want to analyze. Everything that we've done. Every cog in the wheel of the financial and retirement and estate. Planning to make sure that you're on track for retirement to set up your own financial physical call for a no obligation fifteen minutes strategy session. You can create a plan for your financial future starting today. Call seven eight one eight three six four two one four. That's seven eight. One eight three six four two one four or visit. The website retires south shore dot com. That's retire south shore dot com coming up more unique solutions to ensure your successful retirement. This is retire. South shore radio visit retire. South shore dot com for a free consultation. Welcome back section number. Two of our program retired south radio jordan year. Along with margaret. Who of course is the founder and president of south shore retirement services hingham. Elbing you a safely. Secure your retirement and providing sense of security safety and trust t-word very important today to mark's laws there visiting doing all the right things taking all precautions masking up and doing whatever needs to be done but they are visiting mark in his family and that would be rich and sue so mark before address. Any questions to our special guests. Yep election is over. Another is still as we speak some debate about certain voting irregularities but it looks very likely that we have a new administration on tap and that means uncertainty. There's always uncertainty anyway. But what are you telling your clients. And then i'll get some reaction from very simply. I'm telling pretty much every client that we spoke to that there's going to be. Yeah obviously a change of guard. But it's going to be several more changes of guard throughout your retired life. And you can't isolate what's going to happen. Oh my god in the next four years that that's going to impact me forever however having said that we are in a very very unique period of time where tax rates are extremely low. The hope is that they will maintain this low tax rate for the for the in the next four years in a month based on president trump's tax bills that he he signed in back in two thousand eighteen taxes are low. Taxes are most likely going to go walk right. I mean so much has happened over the course of the last eleven months. Two point two trillion dollars in stimulus money. All of this has to get paid back so we're having a lot of our clients kind of reevaluate where they're at from a tax qualification standpoint. Do they have. Ira's do they have 401k's taxes paid on the yet that will have to have taxes paid on them at some point. So does it make sense to maybe pay pay some of the taxes now when we're in this low tax environment so you don't have to pay any taxes in the future We have software and we have analysis that can really lay out. Make sense for clients to do that or not. But it's a huge huge opportunity for people because the certain things you can't control but this is one of those things that you can control when you're in retirement. It's the only period of time in your life. And i say this at workshops that you can dictate what tax bracket you're going to be in but you have to plan ahead for it Doing it after. The fact is not the right strategy to have so our team including the cpa from at pinkham cpa's in marshfield are able to work proactively with our clients to see if plans or strategies that make sense for them and that certainly makes people feel a lot better about the immediate in the long range future. Let me go back to our very special guest marks in-laws originals with rich this time really in the introduction about the the stress that accompanies any election this when particularly stressful politics aside. What are your takeaways. Post-election what are you. What are your hopes. Dreams thinks thoughts about the economy you. It's really the hot potato. Of course that's what i do. That's a tough one. I have a degree. In government and a master's degree in administration. Government is very very near and dear to me. And i take great great interest in everything that goes on washington. We used to live there As far as right now. I have friends like i have friends out in napa and other parts of california. That are absolutely thrilled with the taxes that mark was just talking about the tax cuts however because we have a fixed income america. Taxes are relatively gradual as.

Mark rolette founder and president facebook davos washington california president napa margaret pinkham cpa Ira trump marshfield