Episode 178 – Why You Need A Written Plan

This week on On The Money With Secure Money, Michael Diulus teaches us about some of the various challenges and complexities facing retirees.

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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, they’re 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. Past performance is not a guarantee of future results, investments will fluctuate and when were deemed to 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 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.

Steve 00:44

Everybody welcome in to On the Money with Secure Money. Brian Quaranta is not here today. But filling in for him Mike Diulus, and I’m consumer advocate Steve, today we’ve got a great show lined up for you. There’s this there’s a company a financial company called Natixis. And they just released a survey of financial advisors, just like Mike, who was going to tell us and give us some insight to what they’re saying and how they’re doing it. If you’d like to get a head start, folks, just give me a call, it’s 800-656-8616, 800-656-8616 we’re gonna kick things off right after this On the Money with Secure Money.

Announcer 01:28

And now, On the Money,

Brian Quaranta 01:31

Any good retirement plans starts with the foundation,

Announcer 01:34

Asset protection, tax reduction, holistic planning,

Brian Quaranta 01:42

these are the things that start to move you towards having a retirement plan.

Announcer 01:46

Retirement doesn’t have to be complicated.

Brian Quaranta 01:49

You think that’s the difficult part? That’s just started!

Announcer 01:54

And now On the Money with Secure Money.

Steve 02:00

49% of the advisors said, the biggest problem is underestimating the impact of inflation.

Mike Diulus 02:06

You had no kidding, Steve, I mean, this surely needs no explanation, especially at least of all last year, now the S&P was down about 20%. And that’s not even including this, you know, transitory inflation that we’ve had, really, what we need to do is we can’t eat these nominal returns, meaning their returns before we’re counting this inflation. So, we have to talk about, you know, returns as real returns, post inflation. So, you know, if you think about it, let’s say inflation averages roughly 3% a year, over 25 years, the purchasing power of the dollar falls by 50%.

Steve 02:36

Yeah, yikes. Yeah. Wow. No kidding. So, I mean, again, 3% Inflation is a pretty much a standard that that I know, you and a lot of others are using and have been using for years.

Mike Diulus 02:44

It is, it is, and you know, this last year’s inflation? You know, they say 7, 8, 9 percent? I don’t know if anyone’s went to the grocery store recently. I’m thinking. Yeah, it’s, it’s an issue. Right. And we need to make sure we’re factoring that into our plan. It’s, it’s one of the biggest issues we’re seeing nowadays.

Steve 03:02

So how are you adjusting? I mean, how are you making changes or adjustments in people’s plans? Regarding inflation?

Mike Diulus 03:10

Well, the first thing we have to factor in when it comes to inflation is making sure your money’s properly bucketed. Right. So, a lot of folks oftentimes get way too conservative with their investments as they move on towards retirement. Now, if you have a proper bucketing strategy, this will never be a concern of yours, because you have your short-term monies for income, you know, in the early years of retirement. And then you have your long-term growth monies to deal with things such as long-term care planning, the what ifs if we go to a nursing home, so we just have to make sure we have a good bucketing strategy based on our income needs and based on our longevity.

Steve 03:43

Sure. Well, speaking of longevity, that’s another concern that advisors heard from, from my clients and prospective clients. It’s the thing we’ve talked about before Mike is longevity risk? And that really factors into all of this, doesn’t it?

Mike Diulus 03:55

It does. I mean, you know, 20-30 years ago, the average retiree, well, first off, they had a pension, right? Well, nowadays, we have to build our own pension, and we don’t have to have it just last 10-15 years, that’s no issue. Well, if we’re going to live into our 80s, and even our 90s, some of the lucky few into the hundreds, how are we going to make our money last 30-40 years, you know, for females, the average 65-year-olds gonna be able to expect to live to at least 86 and males to live to 83. However, there’s a 50% chance at least one of them is going to live to 90. So, we can’t just plan for ourselves. We have to plan for our family, making sure we’re protecting ourselves on all ends here. By how far out do you run the plan? We run the plan to 100, we just feel it’s the responsible thing to do here at Secure Money. Now, a lot of times folks will tell us, “Well, look, I’m not making it past 85.” But what if you do Steve? You don’t know. And the last thing I want to tell one of my clients that are in their 80s is “well, time to find a job. Hope you’ve been keeping up on your continuing education from 20 years ago.

Steve 04:55

Goodness, that’d be very scary. And so, I mean investment income, and again so, you know, return on investment, I guess there’s something another way to say it. But that really isn’t, I mean, it’s important, yes, but it’s not the most important.

Mike Diulus 05:11

It is important to think about, now, the issue is everyone is used to those commercials saying, what’s your number? How much? How much do you need, right? And the million-dollar mark is what you’re going to need to retire? Well, you have to focus on what your income need is going to be, because a lot of folks and a lot of advisors, unfortunately, are still using this so-called 4% rule. And if that’s the case, I recommend you do a little bit of research on your own and see what the Harvard School of Business has been saying about that 4% rule, but, you know, you’d have to focus on what guarantees you can get in retirement, because when we have volatility like we do nowadays, you know, you can’t just rely on the market.

Steve 05:46

Right? And you already talked about being conservative with our investments being too conservative. So, let’s flip it around. Can you be too aggressive?

Mike Diulus 05:53

Oh, absolutely. You can, you know, I have folks coming in every day asking me if they should be getting into cryptocurrency. I mean, that’s a whole category in and of itself that we won’t even need to get into today. But a lot of folks, you know, you can be way too aggressive with your investments. I mean, obviously, this is no news when we see what happened with just the S&P, the broad market index last year. But, you know, a lot of measures are saying US stocks could still be expensive, overpriced. That is and are we at the bottom? You know, we all hope so, but you really never know. So that’s why we have to make sure we have a plan here.

Steve 06:24

That’s right. I mean, again, because you don’t really know. And we talked about setting unrealistic return expectations, we just touched on that a little bit, but up to 40% of the people told the adviser Hey, that’s, that’s, you know, I’m gonna make 20% Because that’s what my guy told me. Yeah, that’s silly. Yeah, no, I mean, if it sounds too good to be true, right?

Mike Diulus 06:43

It probably is, right? So even a higher-risk portfolio, like the S&P 500 has a long-term average of just under 7% plus inflation. And that balanced portfolio, you know, the 60-40 split, we always hear about that figures a little less than 5%. So, if you’re, you know, going in and planning your retirement off 8, 9 10% returns, you might want to get a second set of eyes on things.

Steve 07:05

Sure. Well, again, on that note, Mike, why don’t you go ahead and invite folks to give us a call? Come on in, you’ve got some spots on your calendar available? Let’s fill them up.

Mike Diulus 07:13

Yes, Steve, you know, the number one question we get is, can you help me create a real written plan? And the answer, folks, is yes, we can. So, what we need to do is have you come in and really take a look at things that are gonna give you clarity, and confidence, and peace of mind. So, for the next 10 callers who call right now, we’re going to give you a complimentary Right Track Retirement Review, this review is going to evaluate three key areas of your retirement plan, first and foremost, income. Incomes, a driver behind retirement. So, we’re gonna help identify ways to increase your monthly income. So, you can potentially have more money in retirement, and most importantly, make sure that you have an income plan that eliminates the fear and possibility of running out of money, so you can confidently do all the things you want to do. Next is going to be taxes. Now, taxes is the thing we hear about most when it comes to retirement. So, we’re gonna look at ways we can reduce taxes, and make sure we’re not going to erode your purchasing power, because of taxes in retirement, and see if there’s any ways we can qualify for strategies that could create a tax-free income in retirement. The third and final key area is a risk analysis of your current investment with our very powerful risk software, this software, it looks at the specific metrics that are going to give you the return for the risk that you’re taking, and show how much you’re paying in fees, how many dividends you’re getting, and really, how efficient is your portfolio. So now is the time to evaluate your strategy and make sure you’re positioned correctly for the next economy that we’re in. When the economy changes so drastically like it has in the last eight months, you cannot continue to do the same thing and expect different results. That, folks, is the definition of insanity. So, if there’s any time you get a second opinion, it’s right now.

Steve 08:39

Hey, folks, take advantage of what Mike is offering here. Really, there’s no cost and no obligation for everything that he described right there. And it just starts with a phone call 800-656-8616, 10 callers right now. We’ll get that comprehensive financial review and you’ll see where you are today. But more importantly, you walk out with a roadmap that can help get you, guide you to where you need to be when it comes to retirement. 800-656-8616 800-656-8616 quick break for us. We’ve got more to talk about here On the Money with Secure Money and Mike Diulus.

Mike Diulus 09:10

Yeah, the only constant in life is changing. With that in mind, we’re sharing seven milestones to speak with your advisor about.

Announcer 09:25

And now On the Money with Secure Money

Steve 09:31

Hey, we are back On the Money with Secure Money and Mike Diulus is here, I’m consumer advocate Steve. Mike, how long have you been doing what you’re doing?

Mike Diulus 09:40

I’ve been with the firm just about two years now, Steve, and working under Brian. It’s been the time of my life. I couldn’t have had a better mentor.

Steve 09:48

Right? Yeah, he’s a high-energy kind of guy, isn’t he? And they’re getting there. Yeah, but again, it’s the kind of thing where you know, you obviously love what you do and you fit into the overall team, folks, if you want to learn more about the team at Secure Money Advisors, go to securemoneyadvisors.com Check it out, securemoneyadvisors.com. Not only can you learn about the team at secure money, but you can also learn, you can also hear all of the old radio shows, you can hear all of the TV shows, we can see all of the TV shows that are out there. So, the website’s a great place to just hang out in it.

Mike Diulus 10:24

Yes, it is. You know, that’s why we direct people there all the time. Learn more about us, it’s securemoneyadvisors.com.

Steve 10:30

Sure. And so, change. Yes, that certainly is happening, when you retire. That’s one of the biggest changes that we’re going to have to look at, but as we go through our careers, and there are things that, you know, there are reasons to be to sit down with an advisor like you, you’re an independent fiduciary advisor at Secure Money Advisors, and but we need to talk about things with you with confidence. I mean, you’re, when I say confidential, it’s no different than a doctor or a lawyer, right?

Mike Diulus 11:03

That’s correct. And you know, what we want to do is make sure we’re upfront and honest about everything that we do here at Secure Money because we need to make sure we’re focusing on all the things that matter. You know, one of those could be “what happens if I lose my job?” No one wants to talk about it, it’s a painful experience, or even if you change jobs, you need to really review what are your company’s new benefits plans? What kind of health life disability insurance do we have? Do you have a 401K plan? What kind of tax withholding are we going to do? Now, if you lose your job, you need to get ahead of the process for planning for health insurance, cash flow, etc. Because the last thing you want to do is be struggling before you’re even in retirement.

Steve 11:41

Right. So, but again, if you change jobs, don’t forget that 401k If that other company?

Mike Diulus 11:47

That’s right. You know, a lot of people, I call it losing money, because they forget that they had it move on to a new career path. And next thing, you know, we’re getting a call 20 years down the line saying, “Hey, what are you doing with this plan here?” Oh, found 100 grand.

Steve 11:59

Yeah, wow. Well, and again, well, was secure act 2.0, that just passed the, you know, the end of the month or the went into effect January 1, one of the things that’s being established is essentially a money lost and found for people to find those 401, K’s or life insurance, or whatever’s out there. Right?

Mike Diulus 12:20

That’s right. And, you know, I think this is gonna be a great thing for a lot of our current clients, and a lot of folks that are just coming in to learn about what they even have and how they’re going to prepare for retirement, because the best thing that can happen is finding more money than you knew you had.

Steve 12:33

I like that thought, folks, if you’d like to have that conversation 800-656-8616. So, we should talk to our advisor when we’re marrying, if we’re divorcing, if we lose a spouse who passes away, it really any change in our marital status is something that we need to discuss with you.

Mike Diulus 12:52

You should, and it can be an emotional conversation, you know, but really the distributions of pensions, should you get married, or should you divorce, you know, child support or alimony obligations can have a significant impact on your future circumstances, how much can we be contributing if we’re paying a percentage of our money out for child support or alimony. And, you know, when it comes to second marriages, in particular, it can be very, very important to consider the financial impact and strategies to position yourself and especially if you’re going to keep accounts separate, and if assets are planned to remain with each of your respective families.

Steve 13:25

And again, it’s the kind of thing where we’ve got to check our beneficiaries as well. Because the last thing you want if you’re divorced, is your ex-spouse to get your 401K.

Mike Diulus 13:34

That’s right. That’s right. I’ve seen it happen one too many times.

Steve 13:38

Wow. And so how do we deal with that? I mean, there’s nothing you can do, is there?

Mike Diulus 13:41

Really, you have to make sure you’re planning ahead of it. That’s the key. Steve, you know, if you’re getting an advisor or you’re working with any advisor, make sure looking at all of your beneficiary documents is a primary concern, because the last thing like you said, you don’t want to get all your money that’s for your family to go to an ex-spouse.

Steve 13:59

Yes, exactly. Well, and you know, so much so many people right now, the baby boomers out there are in this predicament, if you will, they’re planning their own retirement, and at the same time, maybe having to take care of that, that aging mom or dad out there.

Mike Diulus 14:16

I’ve had personal experience with my grandparents going through needing long-term care assistance, and really, the importance of the estate planning for your elderly parents, and yourself might determine whether your inheritance is protected, and whether it’ll end up costing you money. You know, sadly, a lot of folks in the financial redzone have been caring for sick or elderly parents and subsequently believe they need to delay their own retirement due to the expenses involved with long term care. So, planning effectively really could reduce these expenditures, Steve.

Steve 14:45

Right, that’s I mean, again, with long-term care, that’s a show unto itself for sure. But at the same time, the insurance industry has responded in a major-league kind of way to help folks with that long-term care if they plan ahead.

Mike Diulus 14:59

They have, yeah, and you know, it’s something you want to get ahead of early on retirement, you know, with long term care insurance, the unfortunate fact is about 80% of people get declined for it, because they wait too long. So, if you’re interested, you know, make sure you’re talking with an advisor early on, about that kind of thing.

Steve 15:16

So, Mike, do you guys do a lot of estate planning, you have connections with lawyers that will do that for us?

Mike Diulus 15:20

We do. We’re partnered with a law firm nearby us, that helps us with a lot of the estate planning, you know, we do monthly events here in our office that secure money, because a lot of folks don’t know what kind of estate planning documents you need.

Steve 15:33

800-656-8616 Mike, we are up against the clock already, let’s go ahead and invite folks to call and come on in and fill up that calendar.

Mike Diulus 15:40

So, folks, if you’re really looking to have a real written plan, give us a call at that number Steve just mentioned, because we can help you put that in place. So, these next 10 callers who call right now, we’re going to give you this complimentary right track retirement review, or review is going to give you three key areas that you need to focus on retirement versus income, we’re going to identify ways to increase that monthly income. So, you can potentially have more money in retirement. And most importantly, make sure you have an income plan that’s going to eliminate that fear of running out of money. So, you can confidently do all the things you want to do in retirement start crossing off that bucket list. The second is taxes, really, we’re going to look for ways to reduce the amount you’re paying in taxes now and in the future, along with making sure we’re not eroding your purchasing power over time because of taxes. So, let’s make sure you’re in the most tax-efficient strategy. Now. The last and final key area is your risk analysis. We’re going to look at your current investment mix with our powerful risk analysis software. This software is looking at specific match metrics, like are you getting the return for the risk you’re taking? How much are you paying in fees? What kind of dividends are you getting? And what is your drawdown? That’s something that a lot of folks don’t know. And if you come in, we’re going to talk deeply about that. So, it will definitely identify the probability of your plan getting through retirement. So now is the time to evaluate your strategy. Make sure you’re positioned correctly for the new economy we’re in when the economy changes so much, you know, you can’t do the same thing that you’re currently doing. So, give us a call right now you have a window of opportunity to start building a great plan.

Steve 17:04

Have you heard Mike 800-656-8616 is the number to call 10 folks right now get that well get that comprehensive financial review and then a roadmap that can help get you to where you need to be in retirement 800-656-8616 call right away while you’re thinking of it 800-656-8616 We got a break to take we’re gonna come right back, though. We will continue On the Money with Secure Money and Mike Diulus.

Announcer 17:31

You’ve worked all your life. You’ve saved. You’ve followed all the rules. Now it’s time to retire. Here’s the question, who do you want relaxing and taking it easy, your nest egg or you? Well of course you want to relax, and travel, and enjoy. And nest egg? You’ve got more work to do. For a retirement that maximizes your portfolio, your Social Security, avoids unnecessary risk, protects you from pitfalls, and frankly, lets you retire and keeps the nest egg working you need a retirement partner. You need someone looking out for your best interests and building a plan for you based on your situation. Call Brian Quaranta at 800-656-8616 or text BrianQ to 800-656-8616; that’s 800-656-8616 or text BrianQ to 800-656-8616.

Announcer 18:32

And now On the Money with Secure Money

Are you fighting for financial knowledge? Don’t let bad advice be a punch in the gut to your retirement. Take advantage of a complimentary no cost no obligation consultation with a local trusted financial coach. Call Brian Quaranta and his team at Secure Money Advisors 800-656-8616, 800-656-8616.

And now On the Money with Secure Money.

Steve 19:18

We are back On the Money with Secure Money. I’m consumer advocate Steve, and joining us today, Mike Diulus. With, again, Brian Quaranta out on some important mission. Right?

Mike Diulus 19:30

You got that right. He’s always on a mission.

Steve 19:31

He always is. Yeah, he’s a guy that moves how to move. Yes, he does pedal to the metal every day. Yeah, one of the things that you guys do at Secure Money Advisors and that website too is securemoneyadvisors.com. Check that out. And you can also go to righttrackyourretirement.com, and check that out as well, and sign up, and get the book; that’s what we’re talking about here. Brian’s book is called Right Track Your Retirement A Simple Planning Strategy To Help You Reduce Risk, Build Income And Provide A Peace Of Mind a long title but a really great book to just cruise through in a short amount of time.

Mike Diulus 20:04

It is, it’s a long title. But let me tell you some it’s not a lengthy book, we removed all the fluff from this book, well, Brian did, that is, just so you could get a quick read to learn about if you’re on the right track for retirement. You know, the last thing we want to do is have you read 60 Pages for something that could have been explained in four, right?

Steve 20:21

Right. Well, again, there’s no sense in wasting people’s time. And again, the book itself, it’s a quick read. It’s an interesting read, it kind of speaks in Brian’s voice in terms of how he does things and just kind of takes us along that path.

Mike Diulus 20:35

Yeah, I recommend everyone that can get that book, and learn about our philosophies of what retirement planning is, and see if maybe this philosophy lines up with you.

Steve 20:42

Sounds great. Righttrackyourretirement.com is how you start that. All right, Mike, let’s go ahead and dig into some questions here. While we have time, Dan is up. First, he writes in he says, “How do I pick an advisor? And how should a financial advisor be paid?” Those are two really good questions.

Mike Diulus 20:59

Those are very good questions, Dan. And let’s start off with what I just said. What you want to do is see a few of them, right? Because you’re going to need to know what you like in retirement, what your philosophies are. So, if they have any books, or any radio shows like this, or TV programs, watch a few of those programs, go to some educational events, and see if those philosophies align. Now, how should a financial advisor be paid? Fantastic question there, Dan. Most fiduciary advisors get paid via a fee structure. Some other advisors get paid via commission structure. And that can be a little bit of a complicated topic, but you’re gonna pay them through the investments 99% of the time, right? So don’t worry about bringing the checkbook to your next advisors meeting, you know, what you want to do is see, first off, if those philosophies align and if you feel that’s the right planning firm for you.

Steve 21:48

Sure. 800-656-8616. That’s how you begin to get those questions answered. And, Dan, that’s a great way for you to get involved as well. I mean, again, he’s, I don’t know how old he is. But I mean, he’s asking the right questions about, you know, before he goes into meet with an advisor.

Mike Diulus 22:02

Yes, he is. I mean, those are two very important questions to have.

Steve 22:05

Sure. All right. And again, let’s see, that is Dan, let’s move on to Kirk. Kirk says I’m almost 40. And between my wife and I, we have about $300,000 In different retirement accounts, our combined income is 160,000 and we save 20% a year. Currently, retirement is something I’ve always been anxious about. Because I grew up without a lot of money and have older relatives in their 60s who have never been able to retire or get stuck working menial jobs to afford groceries. My goal is to be able to walk away from work at 62 if I want. Big ambition there.

Mike Diulus 22:43

Hey, that is correct. And you know, first off, let me applaud you on saving 20% a year. That’s fantastic. And you know, whenever you grow up without a lot of money, and you have these relatives who have not been able to retire yet, you’re doing a great thing here by setting a goal. That’s the first thing we need to do. Now without pensions. And I don’t know if you have one or not here, Kirk. But that’s going to take quite a bit of planning. But it’s a great thing that you’re calling this sort of this early, and you’re really trying to get this done, what I’d recommend Kirk is get a second set of eyes on your current plan. See, if you’re doing all the right things, you know, outside of just yourself, are you getting the proper return for the risk you’re taking? Are you taking too much risk? Not enough risk? You never know until you get a second set of eyes. And you can’t get a second opinion from the place you got to first.

Steve 23:27

Right, well, I think it’s interesting that he’s 40 years old. And like you said, saving 20% a year? That is, I mean, a goal we should all strive for; but retiring at 62, that sounds great. But again, that’s prior to Medicare, so they’re gonna have to- part of that plan is going to have to include health care for those three years.

Mike Diulus 23:44

Yeah, it is, it is, Steve, healthcare is going to be a quite expensive thing, especially if you have any, you know, specific medical concerns, you need to see certain doctors, get specific prescriptions. I mean, they can cost anywhere between, you know, five hundred to a couple thousand a month, you know, for yourself and your spouse, you know, assuming kids are off the off the pallet at this point.

Steve 24:03

800-656-8616. Kirk, go ahead and give us a call. Well, again, boy, this has been a really fast show. Mike, let’s go ahead and invite folks to call him last time.

Mike Diulus 24:13

Yeah, let’s do it, Steve. You know, you want to get a retirement plan built, give us a call, we can get you a real written retirement plan that’ll give you clarity, and confidence, and peace of mind. So, next ten callers who call right now, we’re going to give you a Right Track Retirement Review, completely complimentary. So, this Right Track Retirement Review is going to evaluate three key areas of your retirement plan. First is income, we’re gonna help you identify ways to increase that monthly income so you can have more money in retirement, not less. And most importantly, make sure you have a plan that’s going to eliminate that fear of running out of money. So, you can do all the things you want to do. Join the country club, go visit the grandkids, everything like that. Now, the second key area is going to be your tax strategy. We’re going to look for ways to reduce the amount you’re paying in taxes now and the biggest thing that’s going to erode your purchasing power in retirement is taxes and inflation. Now let’s make sure you’re in the mood as tax-efficient strategy, and we’ll see if you qualify for some tax-free strategies. Third and final key area is a risk analysis of your current investment portfolio. With our powerful risk analysis software, the software is going to look at your risk-return ratios, it’s going to look at your internal fund fees. And it’s going to calculate how much money you can potentially lose. If the market continues to fall like a rock like it has been now, it will also identify your probability of success. So now is the time to evaluate the strategy. Make sure you’re positioned correctly for the economy we’re in whenever we see it changes so drastically like we have, we need to make sure we’re on the right track. And we can’t just keep doing the same things that we are. So, if there’s a time to get a second opinion, and get a written plan. It’s right now. So, you have a window of opportunity to schedule, give us a call.

Steve 25:44

Give us a call indeed at 800-656-8616. You’ll get that comprehensive financial review; you’ll see where you are today. But more importantly, it’s a roadmap that can help guide you to where you need to be. 800-656-8616, 800-656-8616 Mike, as always, a pleasure to be here. The show goes by so fast, but the information is really good.

Mike Diulus 26:05

It is Steve, it’s always great to talk to you as well. As long as we’re getting this information out to the folks that we are trying to reach here. That’s the number one goal.

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 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 what was originally invested. Any comments regarding safe and secure investments and guaranteed income streams refer only to 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.

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