Episode 163 – Essential Questions to Ask Your Financial Advisor About Retirement

On this week’s episode of On the Money with Secure Money, Brian Quaranta answers common questions most pre-retirees have when approaching retirement.

To see a full schedule of our radio airtimes, please click here.

Radio Show Transcript

Announcer 00:00

Investment advisory services are offered through foundation investment advisors, LLC. an SEC registered investment advisor Brian Quaranta and his guests provide general information not individually targeted, personalized advice and are not liable for the usage of information discussed. Exposure to ideas and financial vehicles should not be considered investment advice or recommendation to buy or sell any of these financial vehicles. This information should also not be considered tax or legal advice. As performance is not a guarantee of future results, investments will fluctuate and when redeemed may be worth more or less than when originally invested. 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.

Steve 00:39

Hey, welcome, everybody. This is on the money with secure money. Brian Quaranta. Here I’m consumer advocate Steve’s at all this week, we are going to cover a lot of ground as we always do. We’re going to answer some questions that pre retirees are asking their advisors, like how concerned do I need to be about inflation? Is it really going to cost me $300,000 To get for health care when I retire? We’re gonna find out are we, Brian, how are you? Good to talk with you,

Brian Quaranta 01:05

Steve, I am doing great. And I’ll tell you there is a lot going on when it comes to inflation. And we’ve got to have a plan to deal with it because everybody’s inflation number is different. What do I mean by that? We’re going to talk about that more. When we come back with on the money with secure money.

Steve 01:19

Give us a call 800-656-8616 It kicks off right after this.

Announcer 01:26

And now on the money. Any good retirement plans starts with the foundation. Asset protection, tax reduction list planning, these are the things that start to move you towards having a retirement plan. Retirement doesn’t have to be complicated. You think that’s the difficult part. That’s just getting started. And now on the money with secure money.

Steve 01:54

And welcome everybody. This is On the Money with Secure Money Brian Quaranta here, I’m consumer advocate. Steve and we have a big show, Brian. Hi. How are you?

Brian Quaranta 02:02

I’m doing great. Steve, doing well had a little bit of time off. You know, we had Neil on the show last week, right? It was a good little break. I was I was home with the kids. I was

Steve 02:11

gonna say You know, you’re doing you’re doing the dad thing.

Brian Quaranta 02:15

Yeah, times two. I don’t know how anybody does that more than twice? Yeah. For all of our all of you folks out there that have more than two kids. I got a whole different level of respect for you, folks. So, although I’ve though I’ve got a friend that has six kids, and he says with every kid Brian, it becomes easier because the other kids can take care of the other ones.

Steve 02:37

You pity the young one because they get nothing.

Brian Quaranta 02:40

Right? I know. I know. Having a family today and just being retired. I mean, with these inflation numbers eight is expensive, man. I mean, grocery store lately.

Steve 02:52

Oh, yeah. Of course. Well, let’s dig into that. Brian. I mean, by the way, Brian is President CEO secure money advisors secure money advisors.com If you want to learn some more about what they do. So let’s talk about some of these questions that you’re getting a lot. How concerned about inflation? Do I have to be is that really a big concern? And I like what you said before, that everybody’s inflation number is different. break that down for me?

Brian Quaranta 03:14

Well, everybody does different things. So, you know, let’s take somebody that is traveling a lot right now. Maybe they’re, you know, visiting family visiting grandkids, you know, they’re very active in their retirement, they’re probably experiencing an increased in expenses more than the person that might be a little bit more of a homebody that just likes to garden and volunteer at the local food bank or something. So, depending on what your lifestyle is, like, and retirement really is going to depend on what your inflation number is. If you’re traveling abroad, if you’re, you know, taking multiple trips throughout the year, it’s gonna be much, much different than if all you do is wake up and, you know, watch the morning news and go out and putz around the garden for a little bit.

Steve 3:56

Sounds like my sister.

Brian Quaranta 3:58

Yeah, yeah.

Steve

That’s it. That’s her day.

Brian Quaranta 04:01

That’s right. And hey, that’s okay. You know, so but it does affect people differently. You know, it also comes down to you know, are you renting? Do you own a house, you know, that stuff comes into play? So, but inflation is real, and it’s certainly something that we need to plan for. And at secure money visors, we always talk about your purchasing power, and your purchasing power is very important as you go into retirement. And this is why one of the things that we do for folks when they come in is provide them with a Social Security and income maximization report, which they can, if they call the number today, they’re gonna be able to schedule a time to come in and we can run that report for them and they can get an idea of what purchasing power will look like long term for them in retirement. But more importantly, a lot of people just want to know if they can even retire on their current inflationary environment, especially when you have inflation, along with the stock market being down. It’s kind of a double whammy.

Steve 04:54

Well, I think one of the things that you do at secure money advisors is the same thing that that coach Peter Ruud, America’s wealth coach, Best Selling Author, we like to say, he talked about the importance of being holistic in retirement planning. And I know that’s exactly what you do, too. Let’s hear from Coach Pete, we need to be very careful about underestimating the effects of inflation, especially if we’re on a limited budget where we have a certain number of dollars to spend on food each each month, and we can’t find it any more money anywhere else. That’s why it’s very important that if we have retirement plan, that we have inflation protection built in our retirement plan. So, I mean, he makes a good point of Do you have an inflation protection plan?

Brian Quaranta 05:31

Yeah, you know, people don’t realize, Steve, that you can actually build your plan today to have increasing income. And that’s what he’s referring to is, you better have a way to get increasing income over the course of retirement. Now, we know, Social Security will do that for you, because they’ll give you a cost-of-living adjustment each year, it’s gonna be pretty big this year, especially with inflation where it’s at. But if you look at like most pensions, or people that are withdrawing money from the retirement accounts, those accounts don’t go up unless they’re taking more money out. Now, if you plan on taking more money out of your retirement accounts, now you run in a bigger risk of that’s potentially running out of money. You know, while you’re still living, which is a very scary thing to do. But you can build plans today, there are programs and strategies out there, which we can show you when you come in to secure money advisors of how to get increasing income with your retirement dollars

Steve 06:18

800-656-8616, if you want to get a head start. So, one of the things that we hear all the time, and I certainly read a lot of the stories, well, you’re only going to need 80% of your pre-retirement income. And that seems to me it for me personally, I want about 100 110% of my money and forfeit when I retire. Right? Right? And

Brian Quaranta 06:39

I would say the short answer is no. I mean; you’re going to need 100%. You know, we don’t know many people. And we’ve retired over 1500 people at secure money advisors. So, we know what we’re doing up here. And we know what retirement looks like. And our clients, especially in their first few years, retirement usually will spend the same if not more money in retirement than they did their working years. But you got to aim for at least 100% replacement of your gross free retirement income, generally, your social security is going to cover about 40%. So that means your retirement savings in a 401 k or IRA needs to cover about 60%. And that’s the big problem that everybody is going to be dealing with is, you know, there’s two phases to our money that we all go through. One is called accumulation where we’re growing the money. And the other part is D accumulation. The D accumulation is a different set of strategies and techniques that you use. But you can’t use the same things you were using while you’re growing your money, as you are going to use to get income from your money. So, if you’re going to need about 60% of your income coming from your 401 K your IRA, there are definitely some things that you want to think about doing so that you get it right and you don’t run out of money before you die.

Steve 07:44

Absolutely. And one of the things, you know, well, hey, if I’ve got enough money to just get by who cares? Right? Isn’t that all I need?

Brian Quaranta 07:50

Yeah, well, I mean, for I don’t know if frugal is I don’t think frugal is to find a good point. You know, just getting by and retirement may be the reality for some people, but that shouldn’t be your goal. I mean, do you really want to cut back your lifestyle is what I always ask, you know, do you really want to live so close to the bone to any unexpected expenses can wreak financial havoc, you know, you definitely want to aim higher. And this is the importance of having a plan. And when you schedule a time to come in to see us, we’re going to put together our right track retirement review, it truly is a great review, that’s going to do a few things for you. Number one, it’s going to run a risk analysis for you so we can see what risk you’re currently taking. We’re going to show you how to maximize your income by providing you with a sole security and income maximization report. We’re also going to provide you with the Risk Analysis Report which will show you how much risk you’re taking compared to the returns that you’re getting. And we’ll also show you a tax report so we can show you how to be tax efficient and retirement. So but you got to do your part you got to give us a call today and schedule that time to meet with us.

Steve 08:47

That sounds great Brian folks to take advantage of the offer today. It is a good one. It starts with a phone call 800-656-8616 get a true practical Financial Review. Now’s the time don’t procrastinate. Simply give us a call 800-656-8616 10 callers gets the comprehensive financial review. You see where you are today. But what’s important is you’ll walk out the door with a roadmap with a guide that can help guide you and get you to where you need to be when it comes to retirement. 800-656-8616 800-656-8616 a quick break for us. We’re coming back. We’ve got a lot more to do right here on the money with secure money and Brian Quaranta.

Brian Quaranta 09:25

I’ve heard you spend a lot less in retirement. Is that true? Well, we’re going to find out we come back with on the money with secure money

Announcer 09:36

hurricanes, tornadoes, and fire. These are serious situations we plan in advance for the volatility of the market can be just as devastating. When a market correction does occur. There are strategies you can employ to bounce back. Call Brian Quaranta and his team at secure money advisors at 800-656-8616 or text keyword BrianQ two 800-656-8616. We’ve made it easy, folks, all you have to do is call or text the keyword BrianQ to 800-656-8616.

Steve 10:16

We are back on the money with secure money, Brian Quaranta, here. I’m consumer advocate, Steve said all Brian, of course, is an author, he wrote the book called Right Track Your Retirement a simple planning strategy to help you reduce risk, build income and provide peace of mind. That’s a great title. And it’s a great little book. It’s a quick read, Brian.

Brian Quaranta 10:34

Yeah, that’s right. And folks, if you want to get a copy of that free book, and it is free, complimentary, go to right track your retirement.com. Again, that’s right track your retirement.com. And you can get the book How to right track your retirement, it truly is a really great book that I wrote. And it really encompasses almost 25 years’ worth of my work of how to approach retirement planning the right way, the mistakes that people make, the things that you want to avoid, and the absolute must things that you should be doing, to make sure that you have a very sound and good retirement and not going to run the risk of potentially running out of money. And it really is designed to give you all the information you need to keep yourself out of harm’s way. So again, that’s right track your retirement.com right track your retirement.com, you can get a copy of the right track retirement book complimentary,

Steve 11:22

that sounds great. And again, with with just a phone call away, and I’ll tell you something else Brian did the way that you wrote it, you kind of wrote it in your voice. And so, I mean, you know, your personality kind of comes through as you’re taking us through that process.

Brian Quaranta 11:35

Well, yeah, I mean, it’s a very straightforward book, you know, I don’t like you, I read a lot myself, I just don’t like books that drone on and on. You know, there’s a lot of times I’ll read a book, and I’ll say, you know, that could have been said in one chapter, not five, yeah, and I get and I get right to the point, you know, my goal was to make it what I call an airplane read, you know, my favorite books are books that I can hop on an airplane and be on a three hour flight and finish it up. So, so that’s the way it was written. So, I get to the point very, very quickly, there’s some very important chapters that I talked about in there is why you need to think like a pensioner, not a gambler. And then you know, also, the most important things that you need to think about before you retire is one of the great chapters in there, and things that truly will help you build a plan. And that is going to give you some real hard evidence on how to approach it, so that you don’t make the mistakes that I see people make all the time. You know, after almost 25 years of doing this, there’s so many mistakes that I see people make. And unfortunately, some of these mistakes, if you make them, and you don’t catch them in time, a lot of them are hard to undo Sure. And sometimes you get to a point to where you’re so far past fixing it, that there’s just no other solution. And a lot of people get themselves at some big trouble. Well,

Steve 12:43

let’s, let’s avoid that, folks. 800-656-8616 is the first step to getting there. So, let’s talk about discretionary spending. And that seems just kind of an innocuous term. What does it mean? I mean, and how does it apply to retire?

Brian Quaranta 12:56

Yeah, well, I mean, look, you know, I mean, most people probably have heard that you spend less in retirement. And quite frankly, surveys often show that spending does decline a little bit in retirement, but not by too much. I mean, if you ask someone who has been retired for five years or more, they’re most often say, the spending doesn’t drop that much. And remember, what I said earlier, most people are most active there, you know, first five to 10 years of retirement. And that’s really where they do it. i We like building plans around front loading, the income strategy, you know, so if you need a certain amount of money coming in each and every month, you may need a larger amount in the first five to 10 years of retirement than you do in the latter. And that’s because you’ve got your health, you’re ready to go do things, you’re finally getting your time back. So, you’re free to do what you want to do when you want to do it. Every day is a Friday night, every day is a Saturday. So, you know, you’re excited to be out there. But there’s a lot of other things that you got to think about along the way, like health care and retirement. That can be expensive. You know, I mean, you know, the last figure I looked at it, I mean, $300,000 plus could be what a retiree has to spend in health care costs. Brian, in

Steve 14:02

Brian, in your experience, is that a real number? I mean, is that something that we really should consider?

Brian Quaranta 14:07

Well, spending on health care varies widely, you know, from one retiree to the next, of course, but that $300,000 figure most represent years of Medicare and Medigap premiums, forecast your property taxes for rental payments for the next 30 years. And you’ll you’ll get a big number for those two. I mean, so

Steve 14:26

I guess when you put it in perspective, yeah, I guess that makes sense. And if you take that if you take that money, then sort of divided out over 30 years. Well then, okay. Yeah, I see where you’re going with that.

Brian Quaranta 14:36

Yeah. And then don’t forget about longevity, risky,

Steve 14:38

holy cow, so we got to be scared of living too long.

Brian Quaranta 14:41

It is a big problem these days. It really is. I, you know, look, we all want to live forever. And but the sad part about it is, if you think about Social Security and pensions and retirements, you know, they were really designed to only get up to about 2530 years out and people are living longer, the longer you can expect to live for a 65-year-old man today, the life expectancy is aged 84. While at age 75, it’s 87. So, longevity means more inflation, more time for unexpected stuff to happen. It’s another good argument for starting retirement with excess income. And this is why we always say at secure money visors, the most important thing that you can do when building out your retirement plan is getting your income plan done correctly. You know, so many people today are gambling with 30-40 years’ worth of work, and the market has to go right 100% of the time for them to be successful with their plan. I feel bad for people today that don’t know the alternatives. You know, a lot of people today that are retired, the markets have gone down, they’re continuing to take money out of their accounts, why the markets are down. So, they’re locking into losses, they’re compounding losses. And the unknown is whether or not they’re going to have enough money for the rest of their retirement. And what studies have shown is that you don’t run out of retirement in your first five or 10 years of retirement, you really start running out of money. And you’re 20, when you don’t have the physical capability of going back to work. And that’s a real tragedy to see that happen. And unfortunately, I’ve met those people. And when we do, there’s not a whole lot that we can do to fix the situation, Steve. So having a plan is going to prevent you from doing that, you know, having a plan that’s built around solid math that is built around strategies for income. Remember, Strategies for Growing your money, folks are different than strategies for getting income from your money you get cannot use the same strategies that are growing your money. As you do to get income for your money, you got to start to think differently. And again, when you come in for your right track retirement review, we’re going to teach you how to think differently, approach it differently. We’re going to share with you the five key areas, they’re going to make you successful in retirement, like your income, your taxes, your healthcare strategy, your investment strategy, your estate planning strategy, those all come into play to having a great retirement plan, but you got to do your part. You’ve got to pick up the phone and call us. This is not the time to procrastinate. If there’s any time to get a second opinion. It is absolutely when the markets are down to make sure that you’re doing the right things. Remember the things that got you to retirement are not the things that are going to get you through retirement. So call today for your right track retirement review.

Steve 17:13

Brian, that sounds great. 800-656-8616. And again, the thing I just like what you just said there, the thing that got you to retirement isn’t necessarily going to get you through it. That’s where the plan comes in, folks take advantage of what they’re offering today an opportunity to get that plan put together, no cost, no obligation, just make that phone call 800-656-8616, you’ll get that comprehensive financial review, you’ll see where you are today. But more importantly, you’re going to walk out with a roadmap, what we’re just talking about the guide that can help get you to where you need to be. It’s that written plan that can help get you there. 800-656-8616 800-656-8616. Let’s take a quick break, come on back, we’re going to continue our conversation on the money with secure money and Brian Quaranta.

Brian Quaranta 17:57

Good or bad, we’re creatures of habit. When we come back, we’re going to tackle some habits to break as you enter the financial red zone, we come right back with on the money with secure money.

Announcer 18:09

He’s letting the clock run out on his social security to age 70 For maximum benefits. And here comes the Roth conversion. He’s got some outstanding coaching with that lifetime income plan. He’s created his own pension as well. And it looks like he’s going to go all the way. Play your best retirement game call BrianQ 800-656-8616. Or text BrianQ to 800-656-8616. Call or text BrianQ two 800-656-8616.

Steve 18:43

We are back on the money with secure money. And Brian Quaranta and consumer advocate Steve’s at all and this is something we have covered; I think some great highlights of really just what it takes to put the various pieces of that plan together. And you have I mean, you do it in such a way that it makes it so I don’t know, easy to understand, I guess.

Brian Quaranta 19:02

Yeah, well wait till you read right track your retirement and see how easy that is to understand. Which by the way, you can go to right track your retirement.com and get a copy of your complimentary book right there folks, again, right track your retirement.com where you are going to get access to a step by step process of how to build out your retirement how to do it right so that you have the peace of mind and security you want in retirement.

Steve 19:25

Sure. Well, yeah, that’s really what it’s all about. Well, and on that note, we have people that have questions. And Brian, we’re counting on you for the answers. Let’s give it a shot. All right. Maddie is up first. And she’s wondering, she says my company offers a 401 K and a Roth 401 K. Currently I contribute 6% to my 401 K 8% to my Roth 401 K? Is this a good long term strategy? I want to contribute all to my Roth 401 K starting in 2023. Is that a better strategy? Also, can I take out my principal if needed from my Roth 401k. Since it’s after-tax dollars, he’s got a lot going on there.

Brian Quaranta 20:02

Whoo. Yeah. Well, first off, let me just say that, you know, we have a 401k here at secure money advisors, and I personally invest 100% into the Roth portion. Now remember, your employer contributions cannot go into the Roth portion of your 401k. So, they have to put that on the traditional side now, should you be putting a mix between both, you know, set up putting some money in the traditional 401k, along with the Roth 401? K? Well, this is where everybody’s situation is so unique and so different. The question would be Maddie, do you need that tax deduction? Because any money that you contribute to the traditional side, you’re gonna get a tax deduction, any money that you contribute to the Roth side, you’re not going to get a tax deduction? So do you and are you married, do you and your husband or, or maybe you’re single, you’re single, you’re in a higher tax bracket. So maybe you need a little bit of a deduction? I’m not sure. But mathematically speaking, and just talking basic fundamentals and principles in regards to future tax rates, it’s going to benefit you to pay the taxes on the seed and not the harvest. So, pay taxes on the seed, meaning the money that you get paid on today, pay taxes on that, so that when that money that you put away into the Roth 401 K grows, when you pull it out in the future, you don’t owe any taxes on it. That’s the best way to build your retirement for the future. Pay the government right now. And make sure that the government and the IRS does not become the largest business partner within your retirement plan. Because for most people today that have traditional 401, K’s IRAs, their largest business partner, that never shows up to work that doesn’t do any work on a day to day basis is 30 40% partners with them and those accounts, and if you don’t believe me, all you got to do is die and watch how much money they take from your family when you die from your 401 K or your IRA. And you’ll see how much of these business partner they are. So, buy out the business partner today by putting money into the Roth. However, if for some reason you didn’t tax write off, you may want to put a little bit on the traditional but Maddie, this is why we offer the complimentary right track retirement reviews. Or you can go to right track your retirement.com and get a complimentary copy of my book right track your retirement.com. But when you come in, we’re going to go through five key areas with you will show you how to generate income, how to pay less in taxes, how to properly choose your investments, how to make sure that you’re set up for health care, and more importantly, when the good Lord is decides to take you home. Your estate planning is done correctly. Sure.

Steve 22:23

Wow. 800-656-8616. That’s the number to call folks. And you know, it just sounds like you know, Maddy has got some great strategies going on. And she’s thinking the right way.

Brian Quaranta 22:33

Yeah. Well, she is I mean, you know, and there’s the lease, she’s contributing to a Roth. I know a lot of people that aren’t even familiar with the fact that their company offers the Roth. And, folks, if you’re listening to this, and you’re not sure if your company offers a Roth find out you shouldn’t be contributing to it. It’s tax-free money in the future.

Steve 22:48

Yes, absolutely. All right. Shawn is up next to us. As Sean says, my advisor with a well-known company, has my retirement portfolio in 20 or more funds 30% on ETFs, and forecast funds, it’s very confusing. They claim to be a fiduciary, the money is safe, but returns this year 4.9% have not been good enough, in my opinion. I’m 65. My spouse is 64 is my portfolio spread across too many funds, given my age, probably need to know some more there. But they’re good question.

Brian Quaranta 23:19

Yes. Well, that’s an interesting question, right? You know, this is this is why understanding what rate of return you’re shooting for is important. And this is why I say the risk analysis is important, because I’m not so concerned about how many funds are being used here. I’m more concerned about what type of return are you getting for the risk that you’re taking? And is 4.9% going to get the job done? Quite frankly, I mean, if his portfolio’s return 4.9% This year, without any losses, and it’s completely safe. I would say that that was a pretty good return for this year. But you know, it all depends on what the goals are of this money. So, you know, at the end of the day, it’s not so much about how many funds you have. It’s more about what’s the risk return ratio, meaning if you’re going to take so much risk, are you getting a return for what you’re doing and our risk analysis that we do, actually will help him map that out. So, what my recommendation Shawn would be is come on in and we can walk you through that. All right,

Steve 24:16

good. 800-656-8616 is where you can start Shawn and just make that appointment. James is up next. And he’s wondering about 1031 Exchange. He said after once using the 1031 exchange, we purchased a rental home after renting it for years, we thought of moving into it. How many years does it take to revert back to personal property to avoid the capital gains? Well, there’s a lot of stuff going on there that I’ve got questions about.

Brian Quaranta 24:42

Yeah, I’ll tell you what, first off, you know, a 1035 exchange is when you can go from one annuity to another annuity without paying taxes. A 1031 Exchange is when you go from one investment property to another investment property without paying taxes. A lot of people don’t know that you now have 1031 investment So let’s suppose that you want to get out of a rental property that you have. But you don’t want to, you know, buy another rental property, but you still want to invest that money, but you want to avoid capital gains tax, we now have the ability to do 1031 investments. And the government basically says, If you roll the money from your investment property into the 1031 investment, you can avoid paying capital gains tax on that too. And these are all kinds of different strategies that you can use. These are the tax strategies that we talked about all the time with our clients to find ways to eliminate or reduce the amount that they’re paying in taxes. And you can also find out a lot of this stuff at righttrackyourretirement.com, where you can get a complimentary copy of my book again, that’s righttrackyourretirement.com where you can get a complimentary copy of my book, righttrackyourretirement.com It truly is a simple strategy on how to build income and protect your retirement. So, folks, take advantage of our x ray track retirement review. You call us today don’t procrastinate schedule with us. We’ll see you here soon at the office

Steve 25:56

800-656-8616 Not only can you get a copy of the book, right track your retirement.com but you get to see a couple of videos from Brian. He talks you through it. I like it. Good luck insight. Right, by the way.

Brian Quaranta 26:07

Thank you, Steve. And folks, we’ll see you again next week.

Announcer 26:17

Investment Advisory services are offered through foundation investment advisors, LLC, an SEC registered investment advisor Brian Quaranta and his guests provide general information not individually targeted, personalized advice and are not liable for the use of drip information. Discuss exposure to ideas and financial vehicles should not be considered investment advice or recommendations, buy or sell any of these financial vehicles. This information should also not be considered tax or legal advice. Past performance is not a guarantee of future results. investments will fluctuate and when redeemed may be worth more or less than when originally invested. Any comments regarding safe and secure investments and guaranteed income stream for only two fixed insurance products did 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.

find us here:

KDKAO2
Sunday: 12:00
KDKAnewsradio
Mondays 6:00 pm
Saturdays 12:30 pm
Sundays 12:30 pm
Sundays 2:00 pm
Fox
Mondays 9:00 am
Fridays 9:00 am
Saturdays 9:00am
Sundays 10:30 pm
94.5 3WS
Mondays 7:35 am
Saturdays 7:00am
The answer
Sundays 1:00 pm
Wjas
Mondays 6:00 pm
Saturdays 12:30 pm
Sundays 12:30 pm
Sundays 2:00 pm
Word
Saturdays 7:00am