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Rebecca Powers 00:24
All right, welcome to this week’s edition of On the Money with Secure Money. I’m Rebecca Powers. So happy to be with you at home. And of course, Brian Quaranta, the CEO and founder of secure money advisors, we’re just going to talk again, I always say this every week, the word secure is in the name of your business. And the name of this show, because you are you learned very early on. Yeah, it’s about keeping the money you have earned.
Brian Quaranta 00:46
Yeah, yeah. Safety first, right? Today, there’s nothing wrong with the stock market. But too many people are risking money they cannot afford to lose. So, there’s a balance there, especially as you get closer to retirement. Yeah, there’s always a portion of money, that probably should be more safe, right, with no risk to principal. And then there’s a portion that you could risk, but most get those gains to get those gains, right. And the renaming, maybe the reason for that is because you got to look at what’s happening right now, if you go back 34 years ago, retirement planning was actually pretty simple, right? Because when you retired, you got a Social Security check. And then you got something called a pension. Right. And you and I’ve talked about this before, right? It was 1978? Yes, Jimmy Carter. Yeah, that where we saw the 401k created-
Rebecca Powers 01:38
Pensions went away.
Brian Quaranta 01:39
Pensions went away.
Rebecca Powers 01:40
They put the onus on us, which is insane, because they never teach us how to do anything.
Brian Quaranta 01:43
Correct. So, now we’ve got 85 to 90% of people retiring today without any pensions. So you talk to most people who are getting ready to retire? And the first question you ask is, are you going to have enough money with just Social Security to maintain your lifestyle? The answer is no. Or who knows? You know, the answer is no. For most people, it’s no. So, okay, so where then where are we going to get the income from? Well, let’s just logically think about it. If I need income from my investments, and I’ve got 100% of it in the market, and the markets not performing well. Okay. And you need, let’s say, $2,000 a month, what are you going to do when the market goes down? Because if you continue to take that money out, while the markets down, you’re just going to compound your losses. You want to know what the answer is from the big box firms. to that to that problem? Yeah, take less money. Well, how are you gonna take less money if you needed to pay your bills and live the lifestyle you want to live? So, eat less? Yeah, save money on gas, you know, save money on groceries? Well, you went up 100%. You know, I mean, you can’t. So, if there’s just a ridiculous recommendations over here, when it comes to resume. That’s why we believe in a two-bucket strategy, you got to create a private pension for yourself first. And we can do that through various different ways. But the most important thing is you’ve got to protect a portion of your money because you have to protect your retirement.
Rebecca Powers 03:02
Absolutely. Now, one of those ways, a lot of people don’t think no one likes paying taxes. But of course, we know it’s our duty. So, we all do it. But I don’t think until I started doing this show with you, I don’t think I realized how much tax money you can save. That can literally be your income for years.
Brian Quaranta 03:19
Yeah. Right. Because what we’re really talking about there is purchasing power, right? Because there’s two things that are going to erode your purchasing power faster than anything else. Taxation and inflation, okay, because we don’t control either of them. That’s right. Right. Do we get a choice of whether the Feds raise interest rates or not? Nope, they get to decide, and they can just keep raising them and raise and raise and that’s what they’re doing lately? Do we get to decide on where the tax brackets are? No, we don’t. But when, in 1978, when the 401k was created, and they got rid of the pensions, here’s what happened. Everybody was told that if they made this contribution to a 401 K plan, that they would get a tax deduction. So they go, Wow, I’m gonna get a tax deduction, right. Really? Yeah. So that’s great. I get a tax deduction, but now the money is going to grow tax deferred over time. Okay. Okay. So, let’s just make it very simple. Okay. Let’s just pretend we make one contribution. And it’s $10,000. Okay, all right. And it grows to a million dollars. If I want to take that million dollars out, I gotta pay taxes on it. Matter of fact, if you took all million dollars out at once, you’d probably be in about a 40% tax bracket. So, you’re gonna go $400,000 in taxes, you’re gonna keep $600,000 that money. That’s how large of our partner the IRS is in your retirement accounts. So almost an equal partner, almost an equal partner, by the way, I say to equal because they don’t show up for work. They don’t even pack your lunch for you.
Rebecca Powers 04:42
They don’t make you dinner or rub your feet.
Brian Quaranta 04:44
They do nothing. And just remember,
Rebecca Powers 04:45
I’m sorry to interrupt you, but another thing they literally just hired 87,000 new IRS agents. To me that is so clearly saying, We’re going after you even more. We owe 32 trillion, so taxes are certainly not going down. Those 87,000 are not just going after millionaires and billionaires. They’re going after us, the middle America.
Brian Quaranta 05:07
Yeah, yeah, absolutely. So if you’re taking money out of your retirement accounts, and you didn’t properly pay taxes on it, or even worse, when you turn 72, and the IRS forces you to take money out of your retirement accounts, whether you want to or not, and you forget to do it, you know, let’s say you’re supposed to take $20,000 out, and you didn’t do it, they’re gonna hit you with a $10,000 penalty. It’s a 50% penalty.
Rebecca Powers 05:26
Why are there RMDs? (By the way, required minimum distribution) I still don’t understand that. Why are they forcing me at the age of 72, forcing me to take out a certain- what is the percent?
Brian Quaranta 05:37
Yeah, well, it’s a divisor number that we can convert to a percentage, but it’s based on a divisor number. So, the divisor number is 27.4. So, if you’ve got $500,000, I know.
Rebecca Powers 05:46
27.4 at 72 unless you’re 59 and a half. I mean, it’s just- go on.
Brian Quaranta 05:50
And by the way, they call this a life expectancy number. So basically, what they’re saying is you’re supposed to live 27 more years. So
Rebecca Powers 05:57
Brian Quaranta 05:59
Rebecca Powers 06:00
Brian Quaranta 06:02
Yeah, so let’s say you have half a million dollars, you divide that by 27.4, you’re gonna come up to about $18,500. That’s what they’re going to tell you need to take. Right? That’s what’s going to come out now that probably equates to about a 3% withdrawal rate. All right, but you got to use the divisor number or you’re not going to get the calculation, right. Have some people think so? Take out 3% or 4% this year? No, you need to use the divisor number. So why is it that 72? Is the age that they force you to start taking money? Yeah, well, they want their tax money. It’s a forced way of getting you to start paying taxes. That’s why at secure money advisors, we believe in tax planning and tax planning something you do. Now, you don’t do it in April, right?
Rebecca Powers 06:44
Got the CPA looking a year behind, right? We’re looking in there in the big windshield, looking ahead, your whole tax plan, your whole life.
Brian Quaranta 06:51
You’re going to tax planning your whole life, but if I can get the IRS out of the picture, so for example, if I can convert my traditional retirement money, but I’ve got to pay taxes, I want to pull it out to a retirement account that’s tax free, like a Roth IRA. Okay. Now, let’s use the example that I use, let’s say I put $10,000 into a Roth retirement account, and that grows to $1 million. If I want to take that $1 million out, I get $1 million. And the only difference was this. In the first example I gave you, you got a $10,000 tax deduction. In the second example I gave you, you didn’t get a $10,000 tax deduction. So, here’s my question. Would you rather pay taxes on the seed? Or the harvest? Absolutely. Right. So, tax planning is so important. Most people don’t even think about doing it.
Rebecca Powers 07:39
Another thing that you brought to my attention is that think during President Trump, maybe his administration, they did this new tax break or rule, whatever, that it’s sunsetting. Yeah. So, by 2025, right?
Brian Quaranta 07:52
Yep, correct. Yeah, the tax rates will change.
Rebecca Powers 07:54
So, now, I guess I’m saying is, is more imperative than ever to take advantage of it right now. We’re almost in 2023.
Brian Quaranta 08:00
Yeah, well, remember what I said the biggest eroders of your wealth are going to be taxation and inflation. So, think about it like this, let’s say you need $1,000 A month from your investments, you’re in a 20% tax bracket, you take that $1,000 out, you’re only going to net $800. You can’t control tax brackets. So, if all of a sudden, your tax bracket now goes to 30%, that same $1,000, withdrawal is only going to net you $700 a month. So now you’re going to take to have to take more money out, which now causes the problem of are you going to run out of money later on in retirement. And there’s some scary statistics out there, like 40%, roughly about 40% of people will run out of money before they die.
Rebecca Powers 08:38
And you’re powerless. So, you’re stressed and they say stress is kind of the number one killer. Yeah, yes, on top of all this COVID years, and all the stress that we’ve had.
Brian Quaranta 08:47
Right. And you know, Rebecca, what I see often at the firm is that people have investments, but they don’t have a plan to go along. You know, and that’s, that’s the fault of my industry. My industry was so used to just transacting investments with people that they never gave them instructions or owner’s manual with it. Yeah, we want you to have an owner’s manual. We want you understand how to use it because the money is a utility, it’s a tool, it’s supposed to do something. Well, the question is, what is it supposed to do in retirement, if you ask most retirees, they’re gonna tell you that the primary need of that money in retirement is to generate income, whether it be now or later on down the road in their retirement. So, you have to have a really well thought out written plan. And that’s one of the most important things that we do at secure money advisors is helping people put together that written plan.
Rebecca Powers 09:37
All right, let’s tell them how they can meet you and get that wonderful plan.
Brian Quaranta 09:41
Yeah, folks, we are all about giving you the right track retirement review. It truly was designed to help you get clarity and peace of mind when it comes to your retirement. We’re going to help you go over five key areas when you come in. We’re going to help you go over your income, your taxes, your invest As your health care strategy and your estate planning strategy, you are going to get clarity on where you are and where you potentially need to go. It’s complimentary. It’s no obligation, you’re not getting any type of sales pitch when you come in, but you got to do your part. This is not the time to procrastinate, kick the can down the road, pick up the phone and call us my team standing by to get you scheduled call 1-888-382-1298. And when you call and schedule, I’m also going to send you a complimentary copy of my book, right track your retirement, which is a simple plan. To help you reduce risk and build income in retirement, it truly will open your eyes up to what a real retirement plan should look like. So, schedule your right trek retirement review, it’s 1-888-382-1298.
Rebecca Powers 10:43
And if you want to ask your five-year-old grandchild how to use that QR code, it’s very simple. You just pick up your phone, point the camera to it, it’ll take you right to our landing page, have your calendar ready. And again, as Brian said, there’s no obligation no cost. Leave your checkbook at home. The first meeting is just a warm conversation to find out your dreams and goals and make your retirement be on the right track. We’ll be right back.
Brian Quaranta 11:04
So, everybody can tell you how to invest your money. There’s not a lot of people out there and a lot of firms that can teach you how to use your money. Most people also tell you that they’re scared. And the reason they’re scared is because they’re afraid of running out of money.
Neil Major 11:17
The last thing you want to do is have a really good job and you’re in your 60s retire and be looking for work again in their late 70s.
Brian Quaranta 11:25
The average person might say, well, a good portfolio would be a good mix of stocks, bonds, and mutual funds can have a good portfolio is all designed around the five key areas income, taxes, investments, health care and legacy planning.
Neil Major 11:40
Because we’re not just product pickers here, what we do best here as we build retirement plans,
Brian Quaranta 11:45
9 out of 10 people, when they walk through the door would ask us, we just want to know if we’re on the right track. And I always say if you’re not on the right track, when would be a good time to know it. Probably now,
Neil Major 11:56
People, you know, can actually see a vision once we start to really build out their plan.
Brian Quaranta 12:01
This is about you. If you’re not getting what you need and you feel that when you walk out of the advisors office, it’s time to get a second opinion. And you can’t get a second opinion from the person that gave you the first the difference at secure money advisors, as a fiduciary firm, we help you manage the risk, build the income and give you the retirement withdrawal
Rebecca Powers 12:30
Welcome back to On the money with secure money. I’m Rebecca Powers. So happy to be with you. Of course, Brian Quaranta that gives us so much wonderful complimentary advice. So, what I want to know, when people walk in, sometimes you have those really sad like, I’m sorry, you’re 80 years old, and you’ve had all your money in this, but we’re going to fix it, we’re going to do what we can. But you also I think more often have the you can retire as a matter of fact, you’re doing great. Look at this, look at this. Let’s give some of those happy stories when people are even better than they thought.
Brian Quaranta 13:03
Yeah, well, I had a lady that was referred to me, single lady, you know, had been divorced for 20 plus years, raised her son all on her own, basically had to pick up and start all over again. And so, she came in and she said a friend of mine had referred me to you and I need to get to retirement plan together. And I’m really not even sure if I’m going to be retired. My goal would be if I could retire in the next five years, that would be great. How old was she? And at that point, she was 62. So, she wanted to retire at like 67. Okay. And I said, well tell me a little bit about you. And tell me a little bit about how you feel about your work right now. And she says, You know, I’m just really burned out a lot of changes going on, I’ll hear this a lot from people that are kind of towards the end of their career. You know, a lot of companies are making big changes, they’re changing systems processes. And when you’ve been with a company for you know, a long time, and you go through many, many changes, and then you get into those later years of your working life exhausting. It’s exhausting. You’re like, you know what I’m done. So, I said, Well, let’s talk about retirement. So, you’re saying five years, if we could get you retired sooner would you want to do that, she was oh my god, that would be amazing. But there’s no way that we’re going to be able to do it. I said, well, listen, I don’t want to give you my opinion, let’s let the math drive the decision, right? Because I don’t want to give opinions. Let’s let the math drive the decision. So, we sat down, we took all of our stuff, and we started put it in into our system. Well, one of the things that we have to do in order to figure out whether or not somebody is going to have a high probability of success in retirement is we need to figure out what rate of return they’re going to need in order for them to take the money they need out on a monthly basis, and more importantly, to make sure that they don’t run out of money, right. So, there’s three rates of returns and I talk about this in my book. There’s three rates of returns that we look at, we look at the spin down rate. Now that’s a very simple rate of return I’m looking for. All I want to know is if you need a certain amount of money every year Let’s say it’s $30,000 a year from your investments, what rate of return would that portfolio need to do? Every single year in order for you to spend that portfolio down by, let’s say, the age of 95 or 100, Okay, which is zero itself out, okay? Because I’m looking for a very bare minimum rate of return, then I want to know, what’s my preservation rate of return, meaning being what you’ve got keeping what you got. So, if I’ve got 500,000, or a million dollars, whatever it might be, and I need to take out $30,000 A year, what rate of return is that portfolio need to do in order to maintain its principal? Gotcha. And then we want to look for the last rate, which we call the legacy rate, which is if I want to take that same amount of money out, but I still want the balance of the account to grow, what is that rate look like? Now you start to get a parameter, okay? Now you start to say, Okay, well, it’s 2% on the low side, okay. And it’s five and a half percent on the high side. So now you know, you need to come in, right, somewhere in between, on this return. Now, what that does is it helps us evaluate how much risk the portfolio is really going to need. That’s and what type of probability of success the portfolio is going to have. Because if it came back to where, you know, she was going to need an a nine or a 10% rate of return, looking at an early retirement was not going to be the thing. Yeah. So, her preservation rate, right, where we’re not touching any principle at all, for the money that she needed, her preservation rate came in at 3.2% interest, think about that, I don’t know I can go by, I can go buy a guaranteed account right now. Fixed Rate account, paying four and a half percent right now. All she needs is 3.2%. To take out money she wants out every single month, and preserve her principal, and I can get a guaranteed account paying four and a half percent. Do you see where I’m going with this?
Rebecca Powers 16:45
Because her income was there, you could guarantee the income.
Brian Quaranta 16:50
At four and a half percent, I could not only guarantee the income, but I can also still grow the money.
Rebecca Powers 16:54
And preserve it.
Brian Quaranta 16:55
You don’t reserve the balance? Yes, yes, you got it. So, with that being said, I showed her and we’ve got a number of spreadsheets that we use to show the math. And it’s a really emotional meeting for people, you know, for her, you know, there was a lot of tears of happiness. At that moment, I do I do, because I know, after 20 plus years of doing this, yeah, I know, when I see some statements, and I know where people are, and I know what they’re gonna need, I can pretty much rough sketch the math pretty quickly in my head about where we’re going to be. So, what’s really neat is she’s going to be retiring in 2023. So, she really loves you. Yes, she wasn’t going to do it. She wasn’t going to look at 20 until 2027. I’m more year. And so now we’re retiring 2023, she’s already given notice to her employer. I mean, that’s the greatest feeling in the world to us. And here’s what’s really the best feeling. In her case, we didn’t have to take any risk to do it really no risk to do it. So anyway, those are just some examples. But there’s many of those that happen at our office. And it’s because of the thorough planning that we do. You know, as a fiduciary, we have the responsibility to deliver a plan, a plan that is thorough, well thought out and covers the five key areas income taxes, investments, health care and legacy planning. But this is why we offer the right track retirement review. Because I want you to find out whether or not you’re on the right track. Now, you may find out when you come in that you are on the right track that you are doing the right things. And you know what, how reassuring would it be to know that you are on the right track. But if you’re not, if you’re not doing the right things, if you’re not positioned right, when would be a good time for you to find that out. Take advantage of our complimentary right track retirement review, all you got to do is pick up the phone today and call 1-888-382-1298. Again, it’s 1-888-382-1298.
Rebecca Powers 18:49
And as Brian said, no cost absolutely no obligation. And if you’d like that book, call that number for an appointment, they will even mail it to you and pay the postage and handling. So, there’s absolutely no risk. And that’s the word of the day how we get you into retirement and keep your money secure. Stay with us.
Brian Quaranta 19:05
If I can help you increase your income, if I can help you pay less taxes, if I can help you potentially maximize the returns of your investments while reducing risk reducing fees if I could help you prepare for a health event or more importantly, when the good Lord decides to take you home to make sure that the money you’ve accumulated over your lifetime goes to your family and to your charities rather than the IRS. Would that be worth the time to come in and get a second opinion.
Rebecca Powers 19:36
All right, welcome back. I love that story. You just told Brian about this woman that was able to retire in months instead of five years. Yeah. And that 60 that decade of your life if you want to travel and hang out with your girlfriends and your grandkids that five years is a very, very important part. You’re never going to be healthier or feel better.
Brian Quaranta 19:54
You better believe it. That’s right. And that’s why I always say boy, if you can retire sooner. Do it. Yeah, right, we find out soon. So, it’s what’s interesting that, you know, part of that story that I didn’t tell you was, she had been working with an advisor for quite a few years. And I said, Why 67? She said, my advisor just keeps telling me, I have to keep working. And you want to know what that tells me, Rebecca. And there’s no planning being done. Now. There was no that was just a guess where it was, it was a, it was a brush off type of answer, right? There were no calculations done. Because if I tell somebody they can’t retire, I’m going to show them the problem mathematically on a plan of why it doesn’t work, and what the challenge is going to be, I’m not going to get just a broad brush, you know, answer for me, like, you’re going to have to work till 67. I can’t tell you how many times that’s happened. Where people come in and say, Well, my advisor said, I can’t retire for another 10 years, or I’m never going to be able to retire. And I said, Well, let’s let the math Look at that. And we’ve got very powerful software that do these calculations and figure this out. And that’s the one thing that we always hear is, wow, when they sit down with us, we got a big screen TV in front, we bring up their plan on there. And we start to look at what if scenarios, we start to look at the interest rates, we start to look at where they are, and they see the plan come together right in front of them. Because we’re rolling up our sleeves. And we’re building it right by them right by beside them. Yeah, what’s really great about that. We’re not going behind closed doors. Yeah, doing a bunch of calculations coming back and saying, here’s what you got.
Rebecca Powers 21:26
Or cookie cutter. Here you go, next.
Brian Quaranta 21:30
Right. You know, how do you learn most, I mean, you know, and you go to a party, and there’s this, you know, plate of really great chocolate chip cookies laying out and you eat one. And your friend goes, Oh, they’re great. They’re, they’re my mom’s homemade cookies. They’re so easy to make, right? And you try to make them, and you can’t make them right. But if you sat there with your friends, watch and watch, you go, Oh, that is easy, right? Yeah. Now, it’s the same thing with retirement plan. And that’s why we love rolling up our sleeves and working right there with our client because they get to see how it all comes together. And then there, they understand it. And they realize it’s not as complicated as they think.
Rebecca Powers 22:05
It’s really not. And that’s why I love that you wrote a book because it was frustrating to you of your industry that it’s so complicated. It’s so like scary and unknown to most of us. I love and I know your clients love this, that when they leave, they get a big binder. Yeah, it is your plan. That’s right. So yeah, God forbid, but when you do pass away one day, because we all will your kids take it off the shelf. That’s right, they call you that’s a no need to call this one and that one, or maybe go to probate or wonder what money they’re getting. They know.
Brian Quaranta 22:32
The financial organization of a plan is absolutely critical. And I can tell you a story after story after story of people that had to administrate administer their parents’ estates, their sister, their brothers.
Rebecca Powers 22:45
It’s a nightmare.
Brian Quaranta 22:45
And it’s a nightmare.
Rebecca Powers 22:46
And it can make children fight and destroy family. That’s the worst part.
Brian Quaranta 22:50
Absolutely. And so by having your financial house in order in one place, and this is why we put together the financial inventory binder, because all of your most important documents live in there, your income plan, your estate, planning documents, all of your tax documents, your investment documents, all your insurance policies, we even have a survivorship checklist in there of everything that needs to be done within 10 days of death, 30 days or 60 days of death and within six months of death. So we give them a checklist of how to handle everything now, our clients, children will call us directly we go through it, but when they’re home, and they’re trying to figure out like, you know, I mean everything’s on there as far as you got to write the obituary, right? So, this really people the binder itself, people absolutely love because they want to be financially organized. You know, I went to my doctor’s recently and, and they there was a new doctor’s office that I went to. And I was going to a doctor’s office. It was a kind of a big box, firm doctor’s office, and I would see a different doctor every single time. Nobody really knew my situation; I’d have to re explain my situation. Every time I came in. I don’t like nobody. Nobody knew who I was when I walked through the door. And there’s a new place that opened up in Pittsburgh that gives you more personalized service. And so I went in the doctor spent over an hour with me going through my medical records, you know, I have, you know, two physicals a year now he spends over an hour and a half going through my physicals going through my bloodwork, but you want to know what they gave me a relationship binder. Oh, really a binder with all my bloodwork and all my documents and everything. So now all my health records are right there. It’s so great!
Rebecca Powers 24:33
That’s incredible. It’s incredible. I’ve never heard of a doctor do that. It’s a holistic approach.
Brian Quaranta 24:37
It’s a holistic approach. Now here’s why I was so impressed because I’ve been giving binders out for years. And when somebody gave me a binder, I realized how awesome getting a binder is!
Rebecca Powers 24:48
That’s incredible. You have to tell me where that is. I need to go see that doctor. Okay, so what do you think is the number one fear and I know the answer to this you told me about a study when they said to people getting close to return Are you more scared to die? Or run out of money? Yeah, what did they say?
Brian Quaranta 25:04
They said they’re more scared of running out of money more than they feared death alone. And that was done by AARP. Oh, it was. Yeah, it was done by AARP. Yeah. But you know, if you think about it, running out of money is a really scary thing. And I’ll tell you that the worst day of retirement is not the day you run out, it’s the day you figure out that you’re going to run out of money, and there’s nothing you can do to fix it. And unfortunately, I meet those people, you know, and it’s usually because, again, people tend to procrastinate, they kick the can down the road, they keep their head in the sand, and they don’t want to face the issues in front of them. And so, what happens is, they get too far down the road, and you can’t fix it. Sometimes.
Rebecca Powers 25:43
There’s also that sense of embarrassment. And I know you’re at home going, Yeah, kind of embarrassed to say, I spent more money on my makeup and shoes, and I did on finances. But you’re not alone. I think you are very, very strong about making people realize there’s nothing to be ashamed of, because your industry has not done a good job.
Brian Quaranta 26:01
No, no. And you know, the good news is the industry is starting to change. Yeah, you’re seeing more and more advisors going into content going independent becoming fiduciaries. But you go back 30 years ago, my industry was a transaction-based industry. Yeah, you know, you were just, you know, buying a stock or a bond or a mutual fund from individuals, and most people would never see their advisors, there wasn’t annual reviews and things along those lines. Right now, you’re seeing a different generation of advisors come up through that are really taken the servicing part of it, you know, very, very seriously, and it should have always been done that way.
Rebecca Powers 26:37
But you know, we had pensions, as you’ve pointed out, so well, so many times, until 1978 wasn’t really a problem. We knew what we were gonna get. Yeah. And advertised got that watch. You knew what you were gonna get the rest of your life.
Brian Quaranta 26:49
Yeah, no, you make a great point, though. It’s not our fault. Yeah, you make a great point, because you really didn’t need to rely on the investment guy to give you a plan, because you had maybe enough between social security and pension. So that’s a good, that’s a good point. But today, your advisor really needs to be a coach, a planner, right? And someone that can really walk you through all the details that you’re going to need to think about. And that’s why we’ve surrounded our clients with a bunch of professionals at our office, which we’ll talk about on next week’s episode. We already have time, folks, I want you to take advantage of our right track retirement review. It really is designed to help you give you more clarity, more peace of mind. So, call today and schedule my team’s waiting by to take your call and get you scheduled to come in. It’s 1-888-382-1298. Again, 1-888-382-1298. Schedule your right track retirement review today. It’s completely complimentary. No obligation. There’s no sales pitch. Come on in today.
Rebecca Powers 27:46
Absolutely. Thank you so much, Brian, and thank you at home. We love you. We’ll see you again next time.