35 Burst results for "South Shore"
"south shore" Discussed on Retire South Shore Radio
"But we're talking about actually there's a funny line from a Broadway show, hello, Dolly. I'm sure you're familiar with it, folks. Dolly Levi, the great matchmaker, says money is like manure. It ain't no good unless you spread it around. A fun flip way to look at it. We're talking about really important lifestyle issues, but it's where your mind is at when you're planning. And that's what we're focusing on. And there are a few others that are important before we before we get to the next one. I keep mentioning it because it is important. What you offer the 15 minute no obligation strategy call. South shore retirement service is something that began out of necessity during the pandemic. It's worked so well. You've continued it, Mark. And let me just give the phone number 7 8 one 8 three 6 four two one four to set up the phone call or you can set it up just by going online retire associate dot com and there's a terrific, so easy I can do it. Grid system. Remind us again about why this is so helpful to people and how much it's helped so many so long. Listen, most of the people that we start working with have some financial person prior to coming on board with us and those people as the financial people have done a fabulous job, right? But their focus has been on the accumulation side of things and not that we don't get involved in that. Our business is the money is money management and helping people grow their wealth and helping people make sure they maintain their income. But we take it much further steps of having what we believe are all of the core things that people need when they're either going to retire or they're already in retirement, income planning, wealth management, tax strategy, tax planning through our CPAs, Medicare planning, Medicaid planning, and estate planning. Having all of those things accomplished in one building is much more simple and much more streamlined for the client. They don't have to drive to 5 places, but they also feel confident because there's a whole team working in unison for them with them and everyone's on the same page as opposed to people arguing over or you shouldn't do this because this person is telling you to do something else. And it gets really stressful, complicated, confusing, and unnecessary when people are dealing with their life savings. So the all hands analysis, we feel covers everything that a person would need and bringing all of these professionals together to meet and work with those clients, puts them in a stronger retirement driver seat, I think. So once again, the 15 minute no obligation strategy call. It's a phone call. It's as easy as a cup of tea sitting on your couch or wherever you may be on your lounge chair. And making that call to sign up, go to retire sell short dot com, no obligation. In the time we have left then run down some of the other things to be aware of, triggers to watch for in real time. I mean, the biggest thing you want to avoid is being so miserable that you can enjoy your retirement. And I can't stop you being miserable if you're just a miserable person, but miserable is generally echoed from being stressed because you're worried about your money running out before you, because before you pass away because you don't have a game plan in place. And sometimes people's portfolio risk doesn't match their life risk doesn't match where they should be. So again, the bucketing system pocket pocket bucket your money will put you in a more confident place to be able to go and enjoy that two weeks in Italy that you always wanted to do, be able to go on a cruise, be able to do those things knowing that you're spending money, knowing that it's not going to be, oh my God, when I go home, I spent too much money and maybe I shouldn't have done that. So let me jump in here for a second because this is probably the most important thing we've said all day and you say a lot of important things I don't. I just ask the questions. They say a lot of important things. But I'm just goofing around here a little bit. But it's true. Attitude is everything. When you're in the work world, you want to have the sense that you can do this, that it's going to work out that things are going to get better and you're going to make more money and so forth. But sometimes that attitude shifts because you're not making the money the way you did. So when people walk through the door, I would imagine you can sense on their faces either consternation or confidence. I'm asking a lot of you, but I'm sure you can see it. Absolutely. Listen, I could tell the stories of the show was four hours long story after story of people who come into the office and they're in such good financial shape, but you can see the stress and anxiety on one or both of their faces because they don't know if they're going to have enough money to go into retirement. And you talk about being miserable in retirement from the perspective that you think that you're going to run out of money because for most of the people that we work with, they've gotten a paycheck for the last 30 years. Exactly two weeks every month, whatever it would be. And you know, I talked to my sister who's her husband is a doctor in Ireland, and it's the same thing. They say, well, if we go on a vacation and we spend into our money, we know that we're going to get another check in two weeks or another check in a month and if we've always spent a little bit we can start pulling back and start paying down a credit card or something. But when you go into retirement, you're basically creating your own paycheck, right? And that's really nerve wracking for a lot of people. So having a written plan in place that has guidelines as to, all right, this is what we can afford to do. And this is what we can afford to do, just sets the expectation ahead of time. Yeah, but for most people and we say this all the time, they, that's you guys out there listening, you've done the hard work to assemble this life that you've had and to make enough money that with the proper planning retirement works. It's just a mindset at some point. You don't even know that you've done all this. You forget that you've done all this to set up your retirement. Absolutely. Yeah, I mean, it's totally a mindset, but you can see the relief on people's faces. And also, you know, it's not that people walk into our office and we're just magicians. Sometimes people come into our office. And I see red at the end of their strategy. And I said, listen, you either have to work longer, save more money or we have to trim the budget. Because you don't have enough saved and your timeline that you want, but I'd rather have somebody tell me that ahead of time rather than down the road and say, oh, sorry, you're about to run out of money, and now you're 82 years old and you can't go back to it. Right. It's like the mechanic who says, you know, you might want to look at those brake pads and take care of them now before they go on you. Any service providing that kind of insight and forethought is welcomed, I guess. Anything else on the list
"south shore" Discussed on Retire South Shore Radio
"Consider when we compare the two. I just think you know from from the perspective of if you're thinking about your retirement strategy or your retirement income and you're even the slightest bit of. I wonder if there's something else that could be doing and pick up the phone. I mean i know that. Sounds like a massive advertisement and maybe it is but pick up the phone and talk to someone because worried doesn't make the situation any better. It just kinda steals what you've got going on that particular day and we've all been in that situation you included. I'm sure jordan fitness other day afternoon. Panicking about something until you get a hold of. It doesn't even have to be finance as you get a hold of the person who's got a little bit more experience or they're doing it for a living on a monday morning and they're like oh no you can do xyz and you can do this and it's and it's completely fine and then all of a sudden that way to the world's come off your shoulders. I know i've been in that situation before a clunking in a car. And you're like oh my god but is this going to be there. You go downstairs and you know. The air conditioner is like leaking on the floor. I say this from experience because of happen during the summer. Oh god am. I going to have to replace this whole thing. I had a guy come out. He said no this. This pipe is blocked. Young blocked it he said to. Everything's good to go. I'm like how much oil you hundred dollars. But i was thinking it was going to be in the thousands. So i guess you know to to someone up is just reach out to people who maybe have a little bit more experienced. You've been through this multiple times with others And see where you're at and see if you're already there if you're already at that point of having mindfulness yeah i would just add one element to what made yoga for me and makes it for me So much fun is the the person leading the class and this goes for anything in life. But if you're working with someone as opposed to oppose to someone when you have somebody who has a passion and a love for the art or the practice in your case That makes such a difference. And i know we've talked about this ad nauseam but you love you. Love the work and you get up everyday hoping you can meet new people and help new people. It's a very satisfying experience for you and that Translates to us the client yet. My my wife learn says she's like you couldn't be more perfect job because i love talking to people. I love meeting new people and just my job is not monotonous at all. You know. I i really enjoy sitting down with them and you know the to build a good relationship with a client or a couple on truly have a relationship with them for multiple years. It's really cool. I i know a couple of weekends ago. I got a text from a client and it was nothing related to work. He had just texted me a picture of his fishing rod set up on the side of his boat and we started going back and forth trading pictures and it had nothing to do at work. He was never a question about work. It was just you become kind of friends. And i think while it's important that you get a strategy that's effective and works for you and is putting you in the best best possible position to be able to do it with people that you actually enjoy doing it with. That's kind of a win in itself. You know so yeah i do love what i do and I will continue to do it. The way that we're we're suggesting that clients is now know your wife had to know you'd be doing most of the talking for much of the time when she married you. I'm guessing yes as based on your ethnic background. I've never met an irishman who doesn't wanna talk talk and i love it by the way so this is true. Yeah for poor alarm she she. She has to put up with a lot when marcus telling story so i apologize to her apologies. I'm sure accepted when it comes to getting on board with a strategic plan of any kind in life. It's good to let you review have balance. Have a sense of yourself. Don't worrying about other people and Sometimes less is more and just remaining calm and remaining in the process in the moment might be some very good advice as well though those things to give you that on peace of mind and transitioning a really big thing for people's in their lives you know i talked to clients daily and on. I'll say to them. Hey you have enough money to do this. And they said yeah but it's just difficult to make that transition you know i've done this for the last thirty five or forty years and now i'm gonna change and not work anymore. So to eliminate as many stresses out of somebody's life as possible is only going to make them making the decision and easier decision to be made. I love it. It's a great message to wrap up and We said nama stay at the top will say it now at the end. It's sort of an all purpose greeting and thank you so mark. I'll catch next time. Maybe next time we'll get on the mat not together separately and sweat it out a little bit you never know. Maybe we could do that. Webinar or something like that. All right. Take care man. I have a great 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 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..
After 5 years, Obamas break ground on Presidential Center
"After five years of legal battles gentrification concerns at a federal review Barack and Michelle Obama broke ground on their legacy project in a lake front Chicago park the Obama presidential center is in a familiar place we were married here at our reception right down to south shore cultural center our daughters were born here right down the street at the hospital the former president says the southside has shaped him and the presidential center is a way of giving back we envision this is a place where residents and visitors from all over the world come together and restore the promise of the people's park Barack Obama says the center will be an exercise in nostalgia or looking back he wants to look forward neighbors complain it's raising home prices and taking away green space work is expected to be completed in about five years I bet Donahue
"south shore" Discussed on Retire South Shore Radio
"In hingham massachusetts. And here we are. The fall equinoxes has come and gone. It's it's all about getting warm and getting ready for the winter and the end of season and all that but mark welcome. Nice to see you today. We have a very important and personal story to talk about because affects all of us. Who are lucky enough to be in this. We call sandwich generation into have both children and maybe grandchildren and then parents so We're going to focus on the the key things you as an adult child should be thinking about. Let's say when you're dealing older parents. And you. And i both have experienced in this area. Absolutely i mean. I i think we both have similar and different stories to tell and i'm happy to share mine today But yeah i mean you know that we have so many clients that are in their sixties in their seventies whose parents are still with them which is wonderful and and so many of these. You know baby boomers that we work with the seventy million of them in the us at the moment. Lots of them have learned so much about their ability to stave their ability to you know. Put some money away for tomorrow or for retirement Rather they've learned that from their parents from that mentality of save pay yourself. I save not that that type of strategy but now the tables are starting to turn a little bit with you know. They are concerned about their elderly parents. i have obviously clients that are younger. Who are concerned about. The parents. Getting ready to transition into retirement. But it's a difficult conversation to broach with your parents. It's difficult to have that shift. And i've seen it multiple times just little things like when i was a kid seeing my dad's starts do the stuff that my grandfather used to do for him. My dad was doing it for his father and watching that power shift but watching. That shift happened. It's difficult so. I can very much appreciate when clients are being approached by their children to talk about stuff that is obviously end of life things but also financial side of things you know. They're the ones who've always provided for the kitchen. It's difficult conversation to have so. I thought i would talk about some ways that you know things that would be easy to address strategies that might be easier to to utilize in order to not make make anyone feel like a child is being nosy or greedy. I really implore people to to listen carefully you can always hear this rebroadcast as a podcast. All of our programs are rebroadcast. Though this is a very valuable thing and i can speak from experience and we'll share our own stories as we go along but let's get some practical tips out here you know. What can people do that. They can start thinking about to help protect themselves their parents and their families. Yeah like i said. It's it's difficult to ask these questions. It's difficult to have these conversations and i've had multiple conversations with different generations in the same room and it gets very emotional sometimes for obvious reasons So sometimes it's easier to approach from the perspective of. Hey do you wanna see what i've done and then it opens a conversation. What what have you done but definitely one thing you want to be asking is. Do you have a financial strategy. And maybe you know maybe your parents worked for a utility company and you know they have a huge pension. They know they have social security and they're in great shape but not everyone is in that situation. So you wanna make sure you have our at least had the conversation of saying. Do you have a financial strategy Think it's going to be enough. I think that's probably a good of jumping off point and then to ask further questions about that of you know who's on your team. Who is your team. Do you have a financial advisor. Do you have a. Cpa do you have an attorney The have somebody who's kind of quarterbacking that whole thing and get an idea of who. Those people are for for no other reason than you know who who to contact. If in winter time comes for you should be contacting them. And i don't just mean about somebody passing away of measly. That's tragic but if it gets to a point where you get nervous as a child maybe decisions are being made that Our decisions aren't being made that should be made from. Ah how your money is positioning standpoint. If things get shaky in the market you know. Will we talk a lot about what you are for the all hands analysis in this comes into play when we're talking about these issues and You mentioned documents. Let's start there just basically knowing where these documents exist and how to a you know how to retrieve them. When needed i mean. What are these documents that you're referring to look stuff. It's not just the usual stuff. Obviously that's important at the usual stuff that people who are listening thinking when he says documents humans legal documents. Those are critically important. Obviously we have to make sure that all of the documents in place wills powers of attorney. Health care proxies at anything else that you might need to transfer money from one generation to the next to wanna make sure you have them number one number. Two from on the legal documents is how old are they. When was the last time you looked at the the people who you want to have in the various capacities. Still the people that you want to have written. Are they still around the. Are you still close with them. And you know a lot of the time will look at people's documents like oh my goodness the person who's the executor on my will died fifteen years ago so yeah we need to update that Who are the various parties involved. Maybe one of the kids is involved in. They don't even know that they're involve and from you know from that standpoint making sure that all those More than just a legal documents. I think it's important to have like a listing of all. The accounts of the person might have You know who's taking care of them. What companies there with not even what the objection objective and not even necessarily how much they're worth but just so the people who care so much about the individual knows where to go to talk to people about you know various things at various times in life. It was true and people find a great deal of of relief the contract with the older generation. When they know that they're sharing it with people they can trust their family for the most part. But let's talk about your role in this because it's really critical. The opportunity to have a third party with a professional review. Who by the way Has been there with the rest of us mark. And i were talking about our own situations in our family situation. Why and how does that work for for people to make this transition easier to be honest. Sometimes having party involved makes it easier to have the conversation. It makes it less confrontational. And we know our i know from you. Know twenty plus years of experience questions to ask questions not to ask You know. I have clients that every year. They'll put a sealed envelope together. An updated sealed inflow of everything that they have and they'll give it to one of their kids and say only open this emergency right so it only gets opened an emergency. Everything is still very private but it it allows people especially like if you think about this is a husband and wife and the husband has been the one taking care of all the finances or the wife has been the one taking care of all the financial throughout their lives. One of them passes away while the other person needs to make sure that they're going to be okay so a having the conversation with the kids is is probably pretty important. Would be having a inventory of where things are is critically important. So you're not running around wondering if a check didn't come in one month is there. A reason check didn't come in one month. The did that pension. Just go away. If it didn't go away then we need to contact someone on your behalf. And that's a lot of what we'll do during a time like that. You know obviously me an everyone on on our team and everyone at south shore is critically aware that these people are very emotional. They've lost loved one or loved. One has become incapacitated in some way. So they want to make sure that that the of one is going to be fine and they don't want to have to worry about everything else that's going on in their world. They wanna make sure they're going to be okay so we've had with these people multiple times. I've sat with multiple generations in the office. Having conversations about parents will be like. I wanna bring my kids and i wanted to know this. I don't want that that's fine. We'll just build build around that to make sure that that there's no stone left on turns there so i think that's the starting point is obviously having the conversation and then getting an inventory of where things are. You know.
Winds Frustrate Effort to Corral Wildfire Near Lake Tahoe
"They've got a wildfire crews in that area, say the California's Kaldor fire continues to grow there in the Lake Tahoe basin. The blaze fast moving only 12% contained. The challenge has been the gusty winds and dry conditions right now, fanning the flames. Fighting efforts are to keep the wildfire from moving into populated areas. It's on the South shore there. South Lake Tahoe. That's so kind of like the place of protecting here is the fire is actually about eight miles away. We'll keep our eyes on that 8 40 here at KOMO News. We've got a lot to cover here. The beacon
Tropical Storm Henri Strengthens Into Hurricane
"Will impact the tri State area from late tonight through Sunday, Maybe even Monday morning as well. There's a tropical storm warning in effect for the city of hurricane warning for the South Shore, Eastern, Long Island and southern Connecticut. Also storm surge warnings in effect for those areas as well. And a flood watch from this evening through Monday morning. Scattered
New England preps for 1st hurricane in 30 years with Henri
"Hi Mike Rossi a reporting you England readies for its first hurricane in thirty years national hurricane center director Ken Graham says by Sunday tropical storm Henri will be hurricane pretty close to the a Rhode Island Connecticut up in Massachusetts and New Englanders are prepping for the storm could knock out power for somewhere between a hundred thousand three hundred thousand residents Massachusetts governor Charlie Baker has up to one thousand National Guard troops on standby they'll be ready to assist with high water rescue to be to re clearing and public safety support National Weather Service says Henri might make landfall first in eastern Long Island the hurricane watch stretches from the south shore of Long Island to Massachusetts Thursday was the thirtieth anniversary of hurricane Bob coming ashore in Rhode island as a category two storm that left at least seventeen people dead and caused more than one point five billion dollars in damage hi Mike Rossio
"south shore" Discussed on Retire South Shore Radio
"To say. Like i know my situation's different. But they are. They're all unique and people come into my office and they say i. I think i need a million dollars to retires. That that's what people need My answer to that. How long has a piece of string. Everyone's situation is completely different. I don't know what you need so through going through our own hands analysis from income helping with growing the money tax strategies Obviously medicare an estate planning. We're able to map out for person strategy. That says all right. Joe batty you said you need about sixty three hundred fifty two dollars a month to live on based on your stuff you know your your savings your social security and pension if you have one this is how you best should be positioning your assets in order to ensure that you don't have to worry about running out of money in retirement that's kinda how it starts and the biggest problem. Art are difficulty for people. Transitioning from accumulating their money to starting to spend their money and it's actually harder for people who are better savers to spend their money. Which if you think about it probably isn't that out of the ordinary. Because they save save save because they don't want to spend. They had their paycheck to paycheck. Goes away in like. Oh gosh How do i spend this money. So i thought we would spend a little time today talking about things that you definitely do not want to be doing our do not not want to be thinking. I should transition return retirement. We have a couple of minutes before the first break. So why don't we do that. Let's let's add to the list of things we should not do. Be careful of well. The obvious one is not saving enough money or not saving anything for retirement thinking that social security is going to be Okay thinking that you're just gonna continue to work. I've heard that before. I'm gonna work till the day i die and we'll probably not realistically even if you wanted to. You probably won't be able to and part again. Some of these studies are obviously slanted but some of the stats were kind of interesting Twenty three percents of baby boomers don't have anything saved for retirement again. That's a nationwide survey. But they don't have anything saved for retirement so when people come into our office like coming in good shape a very direct. So if if i think that they're not you know feasibly able to retire comfortably that they won't have any worries. There's no reason for me to tell them just so they become a client. You wanna lay it out and say you know. The solution here is not to take more risk not to try. Make more money with money. It's to extend your retirement Timeline it's to trim your budget or or to try and save more money now. Those are the solutions so not having enough money. Saved is obviously a key. One that you wanna make sure but the other side of that is stupid but saving too much money saving too much money in the wrong tax qualifications of the accounts and when you go through the all hands analysis we're able to lay out to someone all right we'll based on what you have. This is what you're going to be. So do we need to say more pretext. Money doing not need to save more pretext one very important consideration where the money falls into what buckets because those buckets can really Derail you if it's a tax bite that you can't handle so all of these. Things are taken into consideration when we return following this break. We'll talk further about Some of the applications of the all hands analysis approach but also some of the things that you really want to be wary of abdo. You've outlined some great ones incidentally will tell you during the break as well Where you and your folks your team. Your teammates will be at various functions. It's been a great summer a great spring as things opened up. We're still very careful and cautious but You can sign up and register for upcoming seminars. That are always fun. And by the way always tasty you have excellent choice in restaurants so It's not my. That's that's how you can pick and all the tip of the hat to holly good job. All right we'll continue right after these words you're listening to cell shore radio when it comes to your future south shore retirement services in hang has your best interests at heart every step of the way. Here's and president. Mark rolette on south shore retirement services all hands analysis to can't give advice in a vacuum to the all hands analysis media dresses. Everything that somebody would need to transition from working fulltime to not working and also somebody would need to make sure that all of their t's are crossed in their is dotted from a retirement standpoint and from an estate planning standpoint so we help people make sure that they have enough income that they don't have to worry about money in retirement. We help people grow their money. We help people from a tax standpoint to make sure that we're being proactive in taking advantage of any tax benefits that they could have now. That will help them down the road. That's what the hands analysis means. It means that all hands from all of these different specialists are on deck to help our clients schedule. Your free fifty minutes strategy session and discover what your ideal retirement will look like call seven eight one eight three six four two one four or make an appointment online at retire. South shore dot com. Folks are notable upcoming taxes in retirement seminars. Seventeen this wednesday. August fourth six. Pm at the cask and flag and restaurant in marshfield. You'll have a chance to meet mark and members of the all hands analysis team gleaned. Some important information and have a chance to ask questions to a fine meal is included in a safe convenient and accessible location once again. It's this wednesday august fourth six. Pm at the cash can flag restaurant in marshfield to register visit retire. South shore dot com. The team at seltzer. Retirement services. Looks forward to welcoming you. Welcome back you're listening to retire. South shore radio. It's about planning a future. That is not only comfortable but enjoyable and we're talking about ways to do that with mark. Roe led the founder and president of south a retirement services and every week We're here giving advice and this is always a great way to do it. Things not to do things to be wary of. So you've got several more than six more points to make and when we start with the point one well yeah before the break. We talked about not saving enough money or not saving any money. Obviously that's critically important for those who do save money one of the things that you don't wanna do if you At all avoid is starting to distribute or drain your retirement savings before you actually even retire. You know lots of people will obviously work beyond fifty nine and a half and sometimes they will take money from their retirement accounts. There's no penalty. They still have to pay taxes on it but beyond that they're now taking money out of accounts that were earmarked for money that you were going to use longer. We're working so that's a problem so you don't want you don't wanna do that but again to go back in and kind of talk about the all hands analysis having individual retirement strategy tailored for you will allow you to know. Okay if i'm in a pinch. And i need twenty five thousand dollars because i know mark. I should spend money before my retirement. But there's three inches of water in my basement. The water heater let go. I need to pull money out of these accounts. And i know i'm going to be okay if i do that. Yeah that's a huge consideration and I'm example one a of someone who didn't do the right thing and got zapped because of with penalties. So it's really important to have somebody on your side to protect you in that regard. So that's a. That's a very practical thing. What are some.
Arizona: Banner Health Imposes Vaccine Mandates for Employees
"Health has announced. All 52,000 employees are required to be fully vaccinated by November, 1st. To our legal analyst Monica Lindstrom says Banner has a strong reason for doing this, but the hospital system may be on the hook if something goes wrong during the vaccination process if an employee gets the vaccine due to banners requirement, and then there are injuries due to side effects banner may find itself involved in a lawsuit. There will be exemptions allowed. Banner is the largest private employer in Arizona. Dr. Simone Wild, is an infectious disease specialist with South Shore health, She tells Arizona's morning news. She understands why Banner is mandating vaccines. That is probably going to become more popular where more hospitals are going to mandate just like with the flu vaccines in many hospitals, many different states. We want people to get vaccinated. She calls it a travesty that all health care workers haven't been fully
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.
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.
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
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.
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.
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
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
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
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
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
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
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.
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" 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.
"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.
"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.
"south shore" Discussed on Retire South Shore Radio
"In place. What till twenty twenty-five mark. Yeah i mean if there's no guarantee that that won't change it is set to sunset in twenty twenty five. And i think a lot about a lot of what we talk about. Is that the current tax code gives people a lot of Benefits currently Incentives to make changes to certain things in their retirement strategy to help them down the road. soap some strategies. Don't work for everybody. I can't stress this enough. That one size doesn't fit all and that's why we encourage people to pick up the phone. Call our office. Set up a fifteen minute strategy. Call literally of nothing to lose than seeing where you're at sea into something that you can. You can do to improve your situation. I think you know. I would say ninety. Plus percents of our clients at we gave them a second opinion An i you know. I get teased in the office for saying this week. In and week out. Can't get a second opinion from the person who gave you the first one That's just not possible so a lot of our clients. I guess what i'm saying is that they're already working with someone. And i realized that i think what we do is slightly different helping people navigate this whole retirement puzzle at to make sure that they ultimately get down to the money that they they really want the monthly basis. And the idea of not having to worry about where the money's coming from and we often say that it's not directed to simply people of great means either. I mean there are so many listening to this broadcast as they do every week Who are hard working. People blitz call them middle-class and most of us fit into that category included who yes who who have saved and worked hard for thirty forty years. It's now time to reap some benefits and we have to remind people that there are many many opportunities in a retirement that didn't exist even twenty years ago. I mean you couldn't brought up a better point at a better time. The every industry in the world has evolved or it's died right. I mean cell. Phones have changed. Cars have changed the way we travel has changed everything. Technology has become more and more advanced. And why should retirement be any different. Why continue to do retirement the same way that your mother and father did or your grandparents did. It's it's become more sophisticated. It's gotten better. If better safeguards in place that better ways of distributing money out the better financial vehicles out there and you kinda. Oh a to yourselves. And anyone who's listening owes it to themselves to make sure that you're crossing the t.'s. And dotting all is in. You're putting yourself and your family in the best possible position. Because i mean no disrespect to other people in this industry but you're calling your adviser and he's constantly on the golf course job. The market will come back. The market will comeback. Everything will be fine. That might not fit. That might not fit. Well sit well with with you. So i would encourage people to just review and just see where you're at and see if there's anything that you can do to put yourself in a better position you know. Mark is a guy who retires about six times a day or you look pretty darn good for a man has been retired several hundred thousand times. I'm just can't look pretty. You're not gonna retire not going anywhere that number again. Seven eight one eight three six forty two fourteen for a no obligation introductory phone call that might lead to answers that could propel you through the next thirty years exciting as as we talk about as we talk about this. The whole team aspect comes to to the four because it's not just the accountants but it's also are the medicare expert yet and it's It's bill caldwell the legal extra talk more about these guys in the next half of the program but It's not just me. And i don't want people to think that i mean You there's there's there's other other people in this office that keep us office running You brian gallagher and myself of work together for a number of years and he's a top shelf guy and he eats meeting clients on a daily basis Helping them navigate through Retirement strategies and and helping them figure out this whole puzzle We have a new person. I in he comes with a massive amount of experience starting in the new year More to come on that added with damon. And i have been friends for more than ten years and is a yale grad been in this business for longtime and is excited and we're really excited. The almond board and and and clients should be really excited about it to You mentioned to. Cpa's mentioned bill caldwell offering the legal planning and you mentioned stimulated with medicare planning a. Don't think we can't mention the backbone of the office Holly and carol susan becky at all have everyone has their role. Everyone has a job to do inside of this office. And and it's really reassuring for clients from a number of reasons number one. Every client has multiple financial advisors looking at their plans Every client has the ability to pick up the phone and know that somebody is going to answer the phone immediately and if they can't give them an answer for what they're looking for be able to get them an answer within that day that's really what people want quite honestly i mean the the investments are obviously really important but they're sometimes secondary to the relationship in a few minutes. We'll also hear from carol too lenient. Who is the operation specialist. Just to review the safety protocols in place that have been in place obviously since the pandemic began but You've got a stellar record. And we just want to assure people that everything is done with the most important thing being safety and care for clients and staff. So we'll talk with carol about that so i've made a list so far i've got three beauties that i started in terms of things to think about about taxes at the end of the year in retirement. Check withdrew withdrew withholdings Pay down some twenty twenty one bills and Tax harvesting so i'm going to sit back and relax and wait with bated breath for more said. Okay we'll take a short break Jordan rich along with marlet of south your retirement services and we'll be right back 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 retired 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 roulette would sell your 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. And it's the same 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 retire south shore dot com. That's retire south. Shore dot com at your retirement services in hingham care and safety for clients and the staff has been a.
"south shore" Discussed on Retire South Shore Radio
"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.
"south shore" Discussed on Retire South Shore Radio
"On this end of thanksgiving weekend. Yeah i mean. I think it gives you an opportunity to evaluate in order to be able to sustain and do anything that you want to do in the current world that we live in. You need money and not saying money's the most important thing but if you can eliminate the stress of having enough money to do the things that you want to do it puts everyone in a much more comfortable position. I have friends that their parents are in the same age. Group is as rich and sue and the concern is will gosh what happens if the market collapses we might have to support moammar support dad and that's not the case here They have a solid financial strategy. So i would encourage anyone who listening or anyone who is aware of our firm To to pick up the phone schedule a fifteen minute chat. You've got nothing to lose to get a second opinion. And i say this. Like a broken record on lebanon and seminars and radio show so that gives that. I know that people have existing financial people that they work with second. Opinions cannot be given to you by the person who gave you the first opinion so the first thing to do would be pick up the phone and just take a look and see if there's anything that could put you in a better position going forward into two twenty one and also check. The website retired south shore dot com for updates on the Seminars that are coming up at dob ios yearly part of december. Hey thanks to all of you. We're all grateful that we're here and healthy and able to focus on the future in a positive light rich and sue. Let's do this again. Some time you guys are at braked greg's damn on the show. Her mark you take care and enjoy leftovers. You do take care of by this. Radio show may contain concepts that have legal accounting tax implications. It is not intended to provide legal accounting tax 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 product guarantees are subject to the claims paying ability of the shoe 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" Discussed on Retire South Shore Radio
"We go along. Things are much better. So i to be honest with you after this election. I feel very very happy but that's as far as i'll go. Well we have to be happy. I guess all of us about the dow hitting thirty thousand Numbers do mean something so same question for you. I mean i think all of us reflect. The stress of this is caused But where do you. Where's your heart right now. Is things settled in a little bit or anything Well where my heart is is relief that we might move towards a little bit more stability economically. I have no idea that'll be true or not. The as my husband had mentioned earlier seeing seeing the poverty which is in contrast to the way. We're living our life right now. Has been very striking for me through all this so i personally i see. I guess continued optimism and security and i just hope that for the unemployed and everybody that's suffering because krona virus. That is just hope that there's turn turnaround there mark. We've talked for the last eight months about the virus and its impact and with the vaccine coming. It'll be a different paradigm in terms of the the pathway. But everything you're dealing with now has to focus on where we are right now. I know you're taking great pains to try to figure out what's going to happen for clients and clients to come your your thoughts on the immediate place. We are in right now. Yeah i mean. I don't have a crystal ball. I don't know what's going to happen in the future but like soochow said there's a lot of people who are not as comfortable a opposition lots of people and lots of clients essential clients. I've met have been laid off prematurely. Maybe they had two or three years left. They were planning to find. Sucks more money away before they were pull the trigger on retiring so i would encourage people to just evaluate where you are. Now you're in that position or your concerns that you're going to go into that position. I mean the reality. This is my opinion of where the market is just doesn't make sense from an economic standpoint is where the world is so if it goes in the wrong direction. Are you in a position that you could afford to. Yeah hang up your boots and not work anymore. The only way to find that out is to action. Take a look at the numbers and do the math on whether you have enough. Money or resources are sources of income in order to sustain your lifestyle. Should things go in the wrong direction. I hope they don't but if they did You wanna make sure that you have enough assets. There can on that by all means ridge. Can i As we were growing our family and staying together we have been married fifty four years now. We went through a lot of national convulsions to be in the nineteen ninety when there was a recession and so forth but after that our 401k is where absolutely an astonishing event. Every single month. We'd get a report could report now. 401k's just keep growing and growing and growing. It was a period of time in the eighties nineties in the early two thousands where things were really really good. Now we're into much more of an interglobal environment You know went. China does what the european union does can affect us and you see the market thirty thousand right now but you see the new administration putting in somebody the us in the treasury that used to be a federal reserve and that that's necessary so i think that the times right now is mark just said he hit the nail on the head. There were times before when things were pretty steady. But it doesn't seem that way now and so if you wanna have a good life and you wanna be able to have financial security. You've got to look in the long term and be able to handle that with we talk about. Regularly is the fact that unlike other sectors of the population mark those who are either in or about to enter retirement for the most part have more options more strategic choices and more opportunities to secure what they have and then build on that and even if they don't build on that to secure what they have absolutely. I mean like anything else like every other industry everything else that you look at Telephones televisions cars sneakers literally. Everything that you can think of. The technology in that product gets better and better as time goes by and changes and evolves and financial products are no different to that and the idea of continuing to have your retirement strategy. The same way you've had it for the last four years is just not right. It's burying your head in the sand to think. Financial products and instruments not become more. Sophisticated have better safeguards in place is just. It's something that everyone should be looking at evaluating getting that second opinion to make sure that where you're at now is the best possible way to get you what you're trying to achieve and our job is not to try and help you find the new amazon. It's not our job to try and simple. Your your returns do better than the other guys doing. Our job is to get you what you're trying to get in the least possible. Are the path of least resistance so to speak less volatility less fees more predictability more stability and just be able to maintain that lifestyle that you want without having to worry about it. Can i just add one thing. I'm so sorry I had an electronic design firm for thirty years. Nice benchley sold it and that made a lot of benefit to our retirement but two of the firms that i worked for one was alcala and the other was johnson johnson. And they were the backbone of you know the market they with the market was geared toward them. Now look at alcoa's no longer in their amazon replaced alcoa and so things are changing and now johnson and johnson has a A vaccine that they're going to be putting out. I worked a lundback vaccine's mostly in the flu vaccine area. And i gotta tell you the cell culture based flu vaccine the cell cultures covid vaccines a much much more powerful. So technology is really done a great thing so we can stay alive longer. We need more more money before. We close I love it Sue your husband. God bless him said. You're married fifty four years. I noticed you whispering in march year what have you want to correct them about. Is going to be fifty six richards. No different than any of us fifty six. I can't believe it implies when you're having fun what can i say We've got about two minutes left. Can you give me thirty seconds of of the on. Start with you. Sue just for the twenty twenty one which has ushered in shortly. What what are your hopes and dreams and aspirations yes more peace just more peace. Could that covers everything all right rich a quick message for the new year and kindness. And i don't want anything to change whereas secure. Our family is healthy. Our kids are healthy and everything seems to be going in the right direction. So i'm i'm very very positive it's great to have you both joining us in this Very intimate setting of mark's living room and mark final thoughts.
"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.
"south shore" Discussed on Retire South Shore Radio
"Is like twice the husband and half the money. I'm going to write that one down. That's a classic. You gotta make sure that you're able to have your own time. You're together time at unbound able to maintain that throughout. I mean look at divorce. Rates are obviously as a result of the pandemic reading a statistic thirty one percent of couples that were asked about. It admitted that cova has caused irreparable damage to their relationships. Because i mean the reality is i. I have friends that they travel every single week. You know sunday afternoon. They're gone to the airport to back thursday and that's their thing and they've been doing it for fifteen years or twenty years when that's taken away. That's a massive adjustment for the person who's at homeland message of adjustment for the person who's not traveling so think about it that from the perspective of if you're going to hang up your boots and stop working and go into retirement. The money side of things obviously critical. You have to have the money. But let's say that that aside you have enough income you have enough growth. You have everything through that financial physical that we looked at one of the things that you have to be able to deal with is being together more and that could be really good positive but it also could be quite a difficult adjustment for some well. One one of the things. That i wanna point out is for those who don't know mark this kind of what goes on You take care of all the financial issues. Obviously first and foremost the idea of not having to worry about money in retirement is paramount. But i seen you in action. If i can say that you're events and also with clients that's a key part of the retirement planning program. It's not just about the money it's about the lifestyle and about the the happiness you find in life in retirement because there is a lot of time ahead of -solutely money money shouldn't be your gold retirement. The retirement should be to be able to free up the things that you really really want to do. Money's just that device that allows you to do that stuff so once that's kind of out of the out of the way and i say that to clients all the time you know if you were able to retire tomorrow and you had no money issues. Would you want to retire and surprisingly a lot of the time they say no. They're not quite ready to retire. Even if the numbers were right and everything worked out with safe and they knew they were never going to run out of money. They're not ready to retire. But when you do transition into retirement quite honestly. I've been doing this for more than twenty years. People are not fixated on their investments statements. They once they know. The money's coming every single month come hell or high water. They're focused on their families their grandchildren where they're going to travel to where they're going to eat on thursday night are the into pub trivia the debate. There's a million things that they're into money is the device that allows them to do those things. But that shouldn't be your end goal to have to have x. amount of money to retire. I can't wait for the next item on your list on your checklist. How the pandemic as party you know. This is a short one. But it's you drill down. What's what you actually need. And i think people have seen that. Lauren and i have definitely seen that through the pandemic and obviously things have opened up a little bit more. It does look. This is my opinion that we're heading in the direction of not being as open as we were. But you kinda figure out what you actually need to live on a at. It's probably not as much as you thought so. It was allowing people to reexamine their budgets and be forced to be on a budget. Not because they couldn't afford to do things. It's because you weren't able to do things. I have clients that cruising is their life duck. They love going cruising. They live up in maintenance and they've been a client of mine for many many years and now that that's gone the obviously saving the mass of money. But i asked them. I said you know you know. At the beginning of this whole thing. People were stuck on cruise ships for month or two months or the long period of time. Right i said would you go back to. Oh absolutely i'll go back to it but you know we'll we'll probably find more elaborate ones less frequent ones so you do kinda figure out what you actually need in order to sustain a really good lifestyle indeed We should mention that There's no obvious seminar. Were coming up this week. No events because of the holiday but you just came off a busy week and Always like to ask you how it went. Yeah we as you know. As soon as we were able to get back to face to face meetings are face to face appoint seminars in a safe. Way we jumped. I love talking to people. I love being in front of a crowd. And we just finished up. A couple of workshops over in pine hills really well received. It's a little different now. Because you know you can't our businesses a little bit like the the airline business that you would overbook a workshop knowing that some people will have to do. That now can't do that now. So much smaller groups but really great groups people who really want information want there to be able to meet someone and answer questions and just kind of figure out what they don't know already So yeah two workshops have been wonderful. I think we have two more coming up in december of that would be for the remainder of the year. And then we'll start again but it's such a great way for you know for us to meet people and for people to get an idea of who we are who the team are what we're all about in just a warm nice environment so yeah i just came off of them this past week and we got to meet fifty new people on well contact and communication is certainly very much important to mark and his team if you'd like to reach out to mark and get the ball rolling so to speak with that fifteen minute consultation on the phone. Seven eight one eight three six four two one four. You can inquire about the financial physical for yourself and your family you can also visit retire. South shore dot com. And i've gotta say the facebook pages just getting more and more active in. It's a fabulous way to interact cells to becky instagram as well She's been phenomenal. Run in the social media side of things and raising her family's while she's got two little kids one very very little Who i think was posted on our facebook as potential client So yeah i big shout actor her. she's been wonderful and everyone in the office all the staff caroline. Holly have just done a fabulous job throughout this whole thing people because that's really what it's all out jordan like. I've said this amid in times. I don't have a better investment than other people but you know you people want to feel safe. They want to feel secure. They want to know that the people who were managing their accounts in charge of their money are trustworthy. Have their finger on. The pulse are able to do things but more most importantly they will make sure that they're going to be okay. 'cause things have not you know. Just they're not done. They're not over yet so again. My opinion things are going to get worse before they get better Which kinda leads me into the next section which we were talking about after the brain we will. Indeed he's mark roe led the president of south shore retirement services again. The number seven eight one eight three six four two one four. We'll be right back.
"south shore" Discussed on Retire South Shore Radio
"Are thrilled to be here to educate inform and inspire you when it comes to retirement. I'm Jordan Rich along with Mark Rowlette, the Founder and President <span _ngcontent-kci-c28="" class="transcript-word ng-star-inserted of word-background" id="16.990000000000002">South</span><span _ngcontent-kci-c28="" class="transcript-word ng-star-inserted word-background" id="17.38">Shore</span><span _ngcontent-kci-c28="" class="transcript-word ng-star-inserted word-background" id="17.68">Retirement</span><span _ngcontent-kci-c28="" class="transcript-word ng-star-inserted word-background" id="18.25">Services</span> located in Hingham but these days available any which way you want to connect Mark great to see you. Good morning. how are you? You've been busy before we get into the subjects at hand up meeting people in the real world sense on with all the restrictions and all the safety protocols than one can imagine even more so and. I know you've been really enjoying that. People get a lot out of these. We have a couple coming up. One is already booked for this week but tells us that's been going on it's just fantastic, Jordan. You know I love talking and I love presenting publicly. You know, for the better part of ten months. It's been really really complicated. Really difficult to get out there so we've been able fortunately being able to pivot and do a lot of webinars and we have webinars on a weekly basis But it's so nice to be able to get back into a room chats people are under so receptive to it. I mean the reality is that the world is obviously a changed place where people still have concerns and still have questions. People still need the information that we're giving out so having the workshops face- to- face at we just had a couple last week in Black Rock country club in hanging and that was it was fantastic. It was great to actually see real-life people. And yeah you're right off the restaurants and hotels that we're using are very much within the guidelines of Of what the governor has said keeping social distance they're much smaller groups than we tend to be used right. That's fine we. We still want to get there. We wanna be able to talk to people to address their concerns. There are two this week. One already filled on the seventeenth. The other On the nineteenth. Which I guess Thursday and that's at the Mirabeau Spa and Inn. A beautiful spot down near the pine hills area in Plymouth and again Parking is ample and plenty of lighting. And it's very easy to access and very safe. All right we do. I mean we. They do a lovely job down there. We'll sit down. We'll talk to people about taxes. Retirement income strategies the sit-down dinner last wine It's a really relaxed atmosphere and it's very very safe so anyone wants to. I would encourage them to call the office because it's not like pre corona days. Where if somebody shows who's not on the list. Amore already full. We can just throw an extra chair and allowed to write. Let me that number. It's seven eight. One eight three six four two one. Four also the number to call to set up a financial physical Very simple process to determine where you stand as you approach retirement or as you evolve through time it. We'll talk more about the financial physical and what that really means. But today we thought we'd focus on a four letter word TIME and people find themselves running out of time on a daily basis with so many things to do in the holidays upon us the COVID holidays as we say. But what were we wanna reflect on I guess. Today is how time management really works in retirement. I haven't reached retirement yet. So i don't know you're a few away from just cup Yeah i mean a. I've heard this so many times. I've been doing this for more than twenty years. And i've heard people go into retirement and say i've never been busier. They get concerned about. What am i gonna do it all this time. And then they realized that never busier. And i've heard this before and i said this before. We started recording today. I've heard clients. Say i don't know how i had time to work. I don't know how i had told him to work and do all the things that i wanted to do. And you know you really have to try and take a step back and plan out your time. So you're not getting overwhelmed trying to fit everything in. I mean the reality is when we all worked fulltime. I work fulltime. You know on the weekends you try to fit everything into those new free days that you didn't have time to do and i think a lot of retirees try to pack everything into every single moment of every of every day. An you don't have to do that. I mean one of the big benefits. I'm gonna talk a lot about some strategies for time management in retirement but but take eliminating or taking the pressure off. Where's the money gonna come from a monthly basis at which is obviously the focus of our business taking that off the table and reassuring leading clients are a couple know that they're going to be okay on the money's gonna come there at least two takes that stress out of the equation. They can focus on the things that are much more important than money. I mean i. I understand money drives the boss and make sure that you can do all the things that you wanna do. But there's much more important things than the actual money itself. Other slice of. That pie is huge. When you think about all the responsibilities you have during your working life for savings investing paying the bills and then you get to retirement. A that is our goal as our hope our dream that we won't have to worry and that's where we talked about that financial physical that might be the first step to To taking that off the table and when that's off the table what what are people doing. They're playing golf there visiting their kids. Grandkids they're starting new hobbies new even side businesses. It's really great. I think one of the things that people should be thinking about doing when they go into retirement and they've got their strategy in place and and they know that they're in combing and they've got a budget and the things that we've talked about weekend and week out Is that you don't have to do everything one day. We spend our working lives unfortunately multitasking all the time. You don't have to multitask in retirement. Just take a deep breath. Take a step back and figure out. You know what you wanna do today because tomorrow you can do something else. You don't need all in one day. You don't have a saturday and a sunday. I joke with clients about retire every day saturday night. It doesn't really matter and they come in. they're like what day is it again. And i know they're kidding around but You don't have to have multitasking. A skill in retirement. You just don't have to do that. But as we say on a regular basis when you and i get together and chat and share conversation with the listeners. It's really about that huge burden that is lifted. When you know that the income is there it'll be there. You don't have to fret you don't have to spend most of your waking hours thinking. Oh my god. Am i gonna be able to pay the rent this month or whatever i mean. You mentioned the financial physical. Which is you know it. That's all encompassing of what we do. But it starts with something as simple as picking up the phone and setting up a fifteen minute strategy with myself or somebody on my team in the office. You don't even have to get dressed. You convenient pajamas sitting on the couch with a cup of coffee in your house. Pick up the phone and we chat for a few minutes and just try to get an idea and understanding of what's concerning you. What questions you have what you're trying to achieve to see if it makes sense or if there's something that we could potentially help you put you in a better position financially and folks don't be embarrassed by any question you think might be a little silly on the first person in the world to ask what i consider to be a basic generic silly question because i want the answers and you get those kinds of answers from From mark and his team. So let's examine some of these tips. That i might put into practical use in my day to day life. I who knows so but these apply to people in retirement. Time management esol. Here here's something that that. I would suggest everyone does is. You can't just transition to retirement and be like all right. I got all the time in the world now. And i'm gonna do things and i'm i'm not gonna rush rush going to take a step back. Listened to what mark said. Listen to what my friends say. I'm going to take my time. Because i have plenty of time. But what the heck am i gonna do. I so i would encourage people. Make list of your to dues. Make a list of a hundred things that you want to do in retirement. It's it's actually harder than it. Sounds to make make a list of ten things super easy to make a list of a hundred things takes time so think about it. Put that list together Not necessarily in order of when you want to just one
"south shore" Discussed on Retire South Shore Radio
"Many people come into our office and they're like, I don't even look at my investments anymore. I'm so nervous about them or when things went really badly in February. I was panicking and I moved everything over to cash or something like that. But look at what your risk tolerance is. And just because somebody says, you know, I'm definitely conservative or I'm definitely aggressive. I mean, what does that actually mean? Conservative portfolios can still lose money, right? So really assess how much risk you can afford to take. And it's not how much risk your stomach can afford to take. It's how much risk your lifestyle can afford to take and will help you with that and say really based on how much money you have when we did the acid inventory. You really not in a position to take as much risk as you're currently taking. Or hey, guess what? You're in a position to maybe roll the dice a little bit more if that's what you want to do. So it's not a personal preference, unfortunately, of, yeah, I can take it. I don't mind if it goes down 20% because all of your bills and I might not be able to be met or your spouse might kick you out at the front door if you lose 30% of your portfolio. And then you lose your job or the recession hits further, you know? That is such an interesting sort of overview and illustration of what you do and how you work with people. It's the people you're working with, not just the facts and numbers and balance sheets. Because you're right, there are implications and you're looking out. That's one of your jobs. That's what keeps you up at night, I guess you're looking out for obviously your client's best interest and some people might think it's wise to throw all the chips in and you might give them better advice. But it's important to have information and that's what we're focusing on today. Well, yeah. I mean, I think our business, it sounds cheesy. We're more in the relationship business than anything else. You want to get to know the people that you're dealing with. And there's a lot of similarities in our clients. I've never had anyone come into my office saying I don't care if I run out of money. Nobody wants to do that. Nobody wants to lose money, but different people have different risk tolerances. But once we start talking to them about it, it's your risk tolerance is more dictated by how much money you have and how much money you need. Not by how much you can take from an emotional standpoint when the market drops. We're going to get to the fourth one in a moment. I think we'll wait though till after the break since we're coming close. One of the things that we also like to do is remind people that there are many spokes in the wheel here that can help you. And let's just talk about one of them before we break. And that is the legal department, if you will, the help that people can get with their estate plans, which is critical for all. Yeah, we try to be a holistic approach to retirement planning. Meaning that we try to offer our at least have every service available to a client. They don't have to use every service we have. And one of the services that we offer is low cost legal work. We charge $399 for an entire state plan. That's two wills, two pairs of attorney, two healthcare proxies and a revocable trust. Your basics of what you would need for an estate plan. We've done that for probably Bill Caldwell, who's our in-house attorney and myself of how this relationship for more than ten years now. And it's been so well received. We also offer reviewing existing legal documents with at no cost to the clients because we want to make sure that everything's consistent with what we're trying to do for them. You can have a fantastic retirement strategy put in place, but if you don't have any legal documents and then somebody were to get sick, it can be completely thrown out the window. So and it works the other way around too. So we want to make sure that everything is covered. So that's one of our services that we offer to people. There's obviously a number of other things that we do as well. But that's been one that we've used for many, many years, and people love it. I always like to lead with that one because I know how important it really is. We'll take a short break. I want to remind people that the new phone number to connect with Mark and his team is 7 8 one 8 three 6 four two one four. Keep that number handy if you can 781-836-4214 when we return, we'll continue to run down and we'll review the four steps that are important during tenuous economic times. Important to you to protect you, your family, and the money that you've earned and work so hard for. We'll continue right after this with retire, sells your 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. Here's an important message from Mark ro let president of south shore retirement services in hingham. The emotions that we've recently experienced will most likely stay with us for a long time. The pandemic was surreal to witness and lived through, and it still is. Now if we haven't learned anything from all of this, then that's just tragic. It's been made very, very clear that we need to protect what we have and no matter what's around the corner that you'll have the income to support your lifestyle and your family. Your retirement plan simply can not be exposed to major losses, and it must work for you as hard as you worked to earn it. I'm Mark Roland of sexual retirement services and hingham. Sexual retirement services has your best interest at heart. Every step of the way, our objective is clear, nobody should have to worry about running out of money and retirement and what you have is properly protected. You can get answers to your questions right now. Schedule your free 15 minute consultation, call 781-836-4214 that's 781-836-4214 or visit 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 to part two of retired south to a radio on this weekend morning here with me, Jordan Richards, Mark rolette, as always, the founder and president of southern retirement services in hingham. I should mention as we have been for many, many weeks, the office is open. It's totally safe and protected with as much PPE as you can imagine and as much care and concern for you and for the staff. So that's important. You're also zooming phone calls, conferences. The phone number, the new 178-183-6421, four. And Mark, we covered three important points. There's one more in terms of dealing with your own important life going forward in tough economic times. And that's the all important income gap. Tell us about that. Well, yeah. I mean, when you go through all these steps of looking at what your expenses are, what your assets are, what your risk tolerance is, how things are arranged. You obviously want to look at what your streams of income are. You know, lots of people that we work with, obviously, have social security. Some people that we work with have pension plans. And when you look at all those things combined, is there a difference between what those are going to give you and how much money you need. And if there is, that's an income gap, and how do you bridge that income gap? Well, you look at your assets from the standpoint of what's the safest and most efficient way from a risk standpoint from a tax standpoint to take money from my investments. We use that balanced approach on using my hands right now to have some people's money, a portion of their money protected that if the market were to go in the wrong direction that they have a safe place to pull money from. And if the market's doing really well, well, they can start taking some chips off the table and still have still able to enjoy the returns that often come in the stock market. That's part of the team having the relationship with Brian allegan who's a registered investment adviser. To look at the stock spans and mutual funds side of things. But I think if you have, this is just my opinion. If you're in a position to not take an awful lot of risk and be able to do everything that you want to do in retirement, why would you want to take the risk? Why would you want to change things up and potentially roll the dice that the market could go down.
"south shore" Discussed on Retire South Shore Radio
"The CPA firm that we have in marshfield. CPAs, to be able to help people navigate, you know, if they're going to do things like Roth conversion of money to be able to navigate, you know, what's the most efficient way for them to do that going forward? And that's part of the overall holistic approach to retirement and investments. Today, most people are becoming fully aware of something called telemedicine. I had my annual physical online. And I'm in good shape. So I felt comfortable with that. But I just want to suggest that what you're doing is part of that self care thing. You're offering consultations of all kinds, some of them are totally free and open to newcomers so that people can get that quick check under the hood to see where they are. Because a lot of people just need a baseline. If they haven't attended to any of these issues, don't they? Yeah, I mean, we get a lot of people calling in from the radio show are coming to webinars that we give. And they just want to set up a 15 minute phone call. That's mostly what we do, especially in the current environment we are now. And it's really just a checkup. They have a specific question on one particular thing, or they're asking about whatever the option might have been that somebody talks to them about from an investment standpoint. Does it make sense for them to do that? That type of thing. So we would encourage people to pick up the phone and give us a call, set up a 15 minute call. They can do it VR website, or email us, whatever way they want. To allow them to, I guess, have questions answered in a non threatening way. That's the way I wanted to set everything up. And it's accessibility at the moment you can make that phone call and I'll give that number right now 781-277-4308 accessibility is very, very close by in the sense that phone calls zoom and social distancing in person if necessary. So I just want to make that point clear. Absolutely, yeah. Obviously, multiple ways to connect with people, but we want people to be aware and be comfortable that if they do want to come into the office that we have the ability to meet them in a safe and safe safe environment, absolutely. We're talking about your midsummer checkup. Summer's moving by and its usual quick pace, even though we wanted to last forever. But it's a very important time post July 15th tax time to take a look at what's happening where you stand why it's important to stay on top of these things. And a lot of people, as we've said in the last couple of weeks, are facing a crossroads with their jobs hanging in the balance and the idea of going back to work for maybe a year or two, all of a sudden isn't quite as isn't quite as positive. So that's another aspect that is bigger than ever right now for people. Yeah, we have a lot of people calling us saying, you know, it's not that they've lost their job. It's that the job is now, you know, for example, a lot of school teachers and they're talking about whether they're going to go back into the school or work virtually and a lot of them are nervous about going back into the schools and for obvious reasons. So they're looking at it from the perspective of, all right, if I decided to call it a day now and it's a year or two years earlier than I thought, where do I stand? Where am I from an income standpoint, where am I from investment standpoint? And I think a lot of people have really kind of reevaluated where their income needs to be. As a result of the coronavirus, because, you know, we really kind of drill down on what we actually need versus what we'd like to have. You know, it's not that I'm suggesting that people don't do things that are fun. But you're able to get a better handle on your essential expenses when there's really not as many options out there to go and spend money, right? And the main point to be made over and over again is it's your goal and the team's goal to ensure that people don't have to worry about that income. They don't have to worry about obviously the money they are going to need to live comfortably. Yeah, I think that's the key. It's a very enlightening process from people go through and realize how much money their money will actually be able to produce for them in a very safe methodical, predictable way. Indeed, there is a webinar coming up this week. You've had several. They've been very successful, highly attended. The nice thing about these webinars is there's no limit. You can bring on as many people as you need to and zoom platform. So that's Tuesday, 6 30 p.m.. You can go to retire south shore dot com and link in and get all the details. But what will be covered at that webinar just for newcomers? So mostly the premise of that webinar is taxes in retirement, maybe a more creative way of looking at how you would spend down your money in order to make sure that your minimizing any sort of any sort of tax liability and I don't just mean income taxes and capital gains taxes. I mean, anything that's going to penalize you as a result of what money you spend first. So things like Medicare premiums can potentially go up depending on how much income you have in a given year. Lots of people will look at it from the perspective of, hey, I retired. I got a bunch of cash. I'm going to spend the cash first and not spend my IRA or my 401k. And that might not necessarily make sense. It might make sense to take a little bit of money from each of your various investment pots, if you will, because you're able to avail of flying under the radar from a very low tax marginal tax bracket standpoint. So we're able to help clients simulate that prior to doing it. So they know what the impact's going to be. So that's a lot of the premise of what we talk about in the webinars to kind of give people a flavor for the types of strategies and the type of help that we're able to give them. We have more reassuring conversation after the break that's coming up, but I wanted to remind you about that number that accessible and if even calling it now while you're listening to the show live, I know it's a weekend, it's early, but people will definitely get back to you. That is the watchword of social retirement services. That number is 7 8 one two 7 7 four three zero 8 7 8 one two 7 7 four three zero 8. Check retire so sure dot com and stay with us. We've got much more to come with Mark roulette 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. Here's an important message from Mark ro let president of south shore retirement services in hingham. The emotions that we've recently experienced will most likely stay with us for a long time. The pandemic was surreal to witness and live through, and it still is. Now if we haven't learned anything from all of this, then that's just tragic. It's been made very, very clear that we need to protect what we have and no matter what's around the corner that you'll have the income to support your lifestyle and your family. Your retirement plan simply can not be exposed to major losses, and it must work for you as hard as you worked to earn it. I'm Mark rolette of sexual retirement services and hingham. Sexual retirement services has your best interest at heart. Every step of the way, our objective is clear, nobody should have to worry about running out of money and retirement, and what you have is properly protected. You can get answers to your questions right now. Schedule your free 15 minute consultation, call 7 8 one two 7 7 four three O 8 7 8 one two 7 7 four three O 8 or visit 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. Hello and welcome,.