On the Money with Secure Money: Episode 125

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Video Transcript

Rebecca Powers 00:24

Welcome to this week’s edition of On the Money with Secure Money, brought to you by Brian Quaranta of Secure Money Advisors. I’m Rebecca Powers. Great to be with all of you, Pittsburgh, and welcome to our new viewers. And great to see you, Brian it’s always good to see you, Rebecca. I just want to give a little plug to your radio show.


Brian Quaranta 00:42



Rebecca Powers 00:43

And those are live and what whole hour they live.


Brian Quaranta 00:47

Yeah. They are whole hour. Yeah.


Rebecca Powers 00:48

So, it’s very comprehensive. And people can even kind of send questions beforehand. And of course, it’s on KDKA, which is of course, the powerhouse, which is one of the oldest radio stations in America.


Brian Quaranta 00:58

Yep. Yeah. So, every Saturday morning, Rob Pratt and I on KDKA, do the show together. And we dive into all the topics that we try to dive into on a TV show. But because, you know,


Rebecca Powers 01:10

You have twice as much time.


Brian Quaranta 01:11

Have twice as much time, we really dive deep on certain topics. And, of course, you know, folks can always come out to one of our educational events at one of the universities to they can just call the office and find out where we’re going to be.


Rebecca Powers 01:24

And you can also call right now and get this book, Brian wrote this, he really is passionate about empowering everyone to kind of not go through what he saw as parents go through the kind of uncertainty of retirement, it does not have to be uncertain. We said many times I have a written plan; my husband and I have a beautiful leather binder up on our shelf, right? It is an incredible feeling. And I know you are passionate about making sure every single person gets a retirement plan whether they come to you or not.


Brian Quaranta 01:51



Rebecca Powers 01:52

Is your advisor a fiduciary? That’s your first question. Do you have a written plan and Right Track Your Retirement is a very short, easy read. So, make sure you call to get this book, you can also go to onthemoneyoffer.com. And you also give that first appointment complimentary. I’ve had several people ask me, How does he do it for free? Why does he do it for free? What can we accomplish in one hour? He’s awesome. We love him on TV. But what can and I explained to them, and they can Okay, that makes sense. I want you to explain about the diagnostic reports and what you can accomplish. And why you do that those appointments for free and how you get paid?


Brian Quaranta 02:31

Well, first off, the reason why we can do it for no cost is because at the end of the day, we see enough people, that’s the bottom line, there’s enough people that come through the door. Plus, I made a decision a while back. I mean, we used to charge $500 to meet with somebody and build a plan. And although it worked, I just didn’t like the fact that for some people, they just wouldn’t come. Because maybe they just didn’t know what the value of the appointment was going to be. They weren’t really sure maybe who we were or what we did yet. And so, I’m so passionate about just wanting to help as many people as I can. And I said, Well, let me just take the friction out of it. Right, it’s a risk for us. I mean, it’s a real risk for us because he spent a lot of money, well, we’re putting an hour aside on the calendar for somebody to come in. And we have no idea if we’re going to be able to help those individuals, right. So, but our goal at Secure Money Advisors is to teach and educate as many people as we can, on what makes a really good retirement plan, one that gives them peace of mind and security that we all deserve going into retirement, because we’re supposed to be living our best lives, and enjoying the things that we promised ourselves we were going to do. And I find a lot of people today still are not doing those things, even though they’re retired. They’re not spending the money that they’ve wanted to spend because they’re afraid that it’s not going to last. They’re not traveling and seeing their kids or just even going to the destinations they promised themselves they were going to go to because they’re not sure how to take their money out of it or accounts Exactly. And I’ll tell you Rebecca is absolutely drives me insane. Because I fault the advice that they’re getting. You know, good advice gives you the freedom to go do what you want. Good advice gives you the clarity to be able to go on the trips or go see the kids because if you’re still insecure or not confident about whether or not you can do the things you want to do or that that really comes down to the fact that you’re not clear on what your plan can actually do for you. That’s right and how it should be working. And that’s the goal at Secure Money Advisors is to provide people with that level of clarity.


Rebecca Powers 04:53

And so much of your business honestly is referral and so much in that first appointment please talk About Morningstar report and all these high-powered third-party software’s that you pay a whole lot of money for. Because when some people are charged 1000s of dollars for these reports, right? You do it free, you do it and that first appointment, right. And that is so powerful, because and I can tell you what happened to my husband and Maven powers, we saw this as our risk. We said conservative, right. This is these are the fees we had been paying. I hate to say it, but it sells itself when you see when you get a true diagnostic of what’s going on in your current life. And what you’ve spent over the last 10 years can make you feel kind of angry.


Brian Quaranta 05:36

Or you look at and go, These are very reasonable.


Rebecca Powers 05:41

Yeah. And you say,


Brian Quaranta 05:42

And the risk is exactly what I asked for.


Rebecca Powers 05:44

And that’s great. But does that happen often? Let’s be honest.


Brian Quaranta 05:46

It doesn’t. It does not happen often. No, because it- look, the majority of financial advisors out there are with the big box firms.


Rebecca Powers 05:53

That’s right.


Brian Quaranta 05:54

You know, but there is a big movement right now that you’re seeing where, you know, advisors that really don’t want to have an agenda that want to not be beholden to any specific company, are moving out of the big box firms, and becoming independent boutique fiduciary firms. And, you know, I just happened to do it in 2007, 2008. Because I just didn’t like what I saw, I didn’t like the fact that the firm was, you know, had an opinion on what I would recommend. And how much of I have I would recommend, and to me having a sales meeting at the end of the week, about how much of XYZ mutual fund Did you recommend? To me, that was against why I got into this business. I didn’t get into the business to sell financial products. I got into the business to use financial products to solve a problem.


Rebecca Powers 06:57



Brian Quaranta 06:58

And so, I just didn’t like the way it made me feel.


Rebecca Powers 07:00



Brian Quaranta 07:01

And unfortunately, that’s, you know, the industry is just so antiquated in its thinking. And it takes time for that antiquated thinking to change, as it does in Congress. Right?


Rebecca Powers 07:19



Brian Quaranta 07:20

But, you know, you’re talking about people running these big box firms that, you know, 40 years they’ve been running them, right. And there’s also the biggest lobbyists. Yeah, and there’s a culture that’s been created there.


Rebecca Powers 07:34

Like, we have the key to the castle, and all of you don’t really know, just trust us.


Brian Quaranta 07:37

Yeah. Right.


Rebecca Powers 07:38

You don’t need to know.


Brian Quaranta 07:39

Right? And that’s how people feel. That’s how people delay. You know, look, there are many times, you know, and I recently just helped a husband, wife retire, and he’s ex-military. And we’re sitting there and we’re going over his plan, it’s probably the fourth time that I’ve been meeting with him. He said, Brian, when I sit down with you, and we go through all of this stuff on your big screen TV, and we’re spending time looking at these numbers, this reminds me of my military days, when we’d sit around the Strategic Command table and plan before we deployed with different scenarios with different scenarios. And, you know, I told him, I said, Well, you know, that’s the nicest compliment you can give me because this is how I feel, I feel like this should be normal, right? This should be just the way, but it’s not. And we hear it over and over and over again. And again, I don’t fault the financial advisors. No, I fault the industry that’s training them. And if you’re not somebody that is willing to question it like I was, then you get stuck in that brainwashed way of thinking. So, but that’s why I wrote the book too, because I want people to have a way to get clarity around financial planning, because I feel that my industry has done you the consumer a disservice. And that is, we have made it way too complicated. And you think that you just have to blindly trust somebody because it’s way too complicated. Yeah. And this book that I wrote, is going to give you the clarity and understanding of how to really build a real retirement plan. And I don’t care whether you come to secure money advisors, or you go back to your advisor where you just go seek out the advice of another fiduciary firm. If you get my book and read it, it’ll help you have better conversations. It’ll help you make better decisions. And it’s such a short, simple read, because I want you to read the whole thing. I don’t want you to get the chapter to ago this is too complicated, because I’ve read many of those books myself. But this was designed every time I’d write a chapter, I would give it to my mom and I would say Mom, do you understand it? You say I do understand I said, good. And I know I’m on the right track, no pun intended. Go to onthemoneyoffer.com Get a copy of my book, Right Track Your Retirement, it really is a simple planning guide to help you build income, reduce risks and give you the peace of mind and security, you want retirement. also schedule a time to come in, as Rebecca was just saying, our appointment is no cost to you, it’s free. I don’t know any other way to say it. Right, and there’s no catch, we’re there to truly give you an analysis, you’ll get a lot of value out of it, nobody’s gonna pressure you to sell anything we’re too busy to sell. If we if we can’t help solve a problem, and the person doesn’t want the problem solved. We shake hands and partners friends, it’s that simple. So go to onthemoneyoffer.com, get a copy of the book schedule, the Right Track Review, or just call the 800 number at the bottom of the screen, which is 888-382-1298. Our team standing by to get you scheduled.


Rebecca Powers 10:53

Absolutely. And don’t forget that QR code, it makes it easy. If you want to point your camera to that when we come back, we’re going to talk about the foundations of building your own personal retirement plan.


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 11:19

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 the late 70s.


Brian Quaranta 11:27

The average person might say, well, a good portfolio would be a good mix of stocks, bonds and mutual funds. A good portfolio is all designed around the five key areas, income, taxes, investments, health care and legacy planning.


Neil Major 11:41

Because we’re not just product pickers here, what we do best here as we build retirement plans,


Brian Quaranta 11:47

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 11:57

People, you know, can actually see a vision once we start to really build out their plan.


Brian Quaranta 12:02

This is about you, if you’re not getting what you need. And you feel that when you walk out of the advisor’s 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.


Rebecca Powers 12:32

All right. Thanks for staying with us. As promised, we’re going to talk about how you build your retirement plan. Brian, I know because I’ve done a lot of shows with you. It starts with income.


Brian Quaranta 12:42

Yeah. Yep, that’s right. Five areas income, investments, taxes, health care, and your estate plan.


Rebecca Powers 12:50

So, you see how much do I need each month to live?


Brian Quaranta 12:53

That’s right.


Rebecca Powers 12:54

And how we’re going to get that income? And then you kind of noticed, where’s that missing gap? What can we do to get you more income? How does it work?


Brian Quaranta 13:01

Yeah, yeah, I mean, the reason why we start with income is because how we did it, how are we gonna live? Are you gonna go grocery shopping? How are you going to pay the car bill? How are you going to pay the mortgage? Right? How are you gonna pay the taxes? You need the monthly income to live.


Rebecca Powers 13:16

Guarantee, That’s another thing.


Brian Quaranta 13:18

Yes. Yeah.


Rebecca Powers 13:19

You Have to know it’s not just a roll of the dice.


Brian Quaranta 13:21

Right? Because it, look, if it’s a roll the dice, you’re not gonna enjoy retirement, you’re gonna be constantly worried when the market goes down, right? Unless you’re just one of those people that doesn’t care. Yeah. And there’s people out there like that. Yeah. I mean, there’s those of you that are watching right now that the wrist doesn’t even faze you. God bless you. But that’s not every American right now. We want to work with those that understand that they have worked a long time for their money. They’ve worked hard days; they went to work on days that they didn’t want to go to work. They missed birthday parties, they delayed taking family vacations, so that they would have enough money to retire. And then they get there. And somebody’s telling them to risk all of those years’ worth of work, right. And so, like when I think about when I think about somebody putting their money at risk, and I think about them losing money, I don’t look at it as the loss of money. I look at it as the loss of time. So, let’s just suppose somebody needed you know, let’s say $25,000 a year in income, okay. From their investments, and they lose 100 grand. To me, that’s four years’ worth of income, they lost four years’ worth of income, right? Yeah, we’re if they lost $100,000 or $200,000. The other way to look at it as how many years did you have to work just to accumulate that $200,000 So when you start to quantify it, and then relate it to time, it’s the It’s become very, very clear that losing money in retirement is a big deal. Right? So, again, I mean, we’re gonna get back to talking about the income, because it’s important that we understand. But when we build the income, we also have to look at all the sources. And then we have to if you’re a married couple, we got to look at what happens if one of you die, and what the drop in income is going to be. So, there’s a lot of variables to look at. And you’ve heard me say it. And if you’ve been watching the show, or you listen to the radio show on every Saturday morning on KDKA at 8 am, you’ve always heard me say that it’s better to make all these bad things happen on paper. Absolutely. It’s better to make the bad things happen on paper.


Rebecca Powers 15:37

And you know, and we’re going to talk about some of the tools to make sure you get guaranteed lifetime growing income.


Brian Quaranta 15:43



Rebecca Powers 15:44

So, I know you know this. But for our new viewers, I had a 23-year career in television with an ABC affiliate. And I just decided two years ago, after doing these shows, and learning so much, that I didn’t want to lose any money. I’m sorry, I don’t want to lose money at a casino, I’ll pay $10 and lose that. And that’s all because I’ll drink free. I didn’t want to lose any. I took all of my 401k and went into a fixed indexed annuity. That’s just my, you know what I wanted my husband and I wanted to do I sleep well at night. I’m not worried about that. Now with his ESPN money, he’s still working.


Brian Quaranta 16:18



Rebecca Powers 16:19

We keep it in the stock market.


Brian Quaranta 16:20

That’s right.


Rebecca Powers 16:21

I do want that growth.


Brian Quaranta 16:22

That’s right. And that’s smart.


Rebecca Powers 16:23

So, you know, you just move the risk.


Brian Quaranta 16:27

And you’re doing exactly what I talked about in the book.


Rebecca Powers 16:29



Brian Quaranta 16:30

You have two segments of money, right, or two buckets as we refer to it. You’ve got that safe, guaranteed money. And your indexed annuity, if the market goes up, you make money.


Rebecca Powers 16:37

Yeah, we’re doing pretty well.


Brian Quaranta 16:38

But if it goes down, you don’t lose money. That’s the key. And every time we talk about that people go: That’s too good.


Rebecca Powers 16:44

To good to be true.


Brian Quaranta 16:45

It’s not, these accounts have been around since 1995. Suze Orman even said she likes them.


Rebecca Powers 16:49

Oh, well, if Suze Orman said it! Annuities actually started in Roman times, when soldiers were coming back from you know, different war.


Brian Quaranta 16:57



Rebecca Powers 16:58

To make sure that they were able to have income between wars.


Brian Quaranta 17:00

That’s right. Yeah.


Rebecca Powers 17:01

And as the market as all of our interest rates go up, and we’re all feeling the pinch.


Brian Quaranta 17:06



Rebecca Powers 17:07

The annuity markets are getting stronger and stronger.


Brian Quaranta 17:09

They’re getting stronger.


Rebecca Powers 17:10

Interest rates are better.


Brian Quaranta 17:11



Rebecca Powers 17:12

Explain that adverse and how…


Brian Quaranta 17:13

Yeah, well, when interest rates go up, it works really well, for accounts that are built around safeties and guarantees. I mean, just think about it. You know, it can be too complicated. Think about it from an insurance company standpoint, but just think about it from the bank standpoint. Okay. A year ago, two years ago, how much could you get an interest for bank CD, one 2%. Now you can get a bank CD at 5%. So rising interest rates are only bad for those that are looking to borrow money to buy a house, buy a car or start a business. But for those of us that are at the point of retirement, rising interest rates can be a good thing, because we’re getting more money on our savings are checking on our bank CDs on safe money on annuity money, right on income annuities. I mean, it’s the best markets I’ve seen for safety probably in 20 years, right, because we’ve been at near zero interest rates. This is why I liked the income annuity so much, because you can use a small amount of money to generate almost 100% of your income needed, if not 100%.


Rebecca Powers 18:18

And we had to kind of lock it in. This is in the long haul, right? This is like 10, 15, 20 years, but that’s fine. We carved that money out. We don’t want to touch that money.


Brian Quaranta 18:28

Well, yeah, the money we carve out that we want to put for long term can go on the market, right? But, but the money you carve out for income, right? We can get lifetime income, no lifetime, guaranteed for the rest of your life. And when I say we always talk about you insure your car, you insure your home, right? You insure your health, why don’t you insure your income? This is what I mean when I say insure. So, if you buy an income annuity, what happens is, as you start to take money out, there’ll be an interest rate that it can earn. So, but it’s going to be paying you so much money so fast, that there’s a high probability, it’s just going to spend itself to zero. Well, that’s what Well, that’s the insurance component. When it goes to zero, it still pays you. You don’t run out. That’s why it’s called insuring your income. Because as it pays, it pays for your life regardless of what the account balance is. Now. It’s like my brother asked me, How does the insurance company give me $3 million of life insurance for 50 bucks a month, right? Well, because you’re 38 years old.


Rebecca Powers 19:42

And a whole lot of people are doing the same thing.


Brian Quaranta 19:46

And the probability of you dying is very small. And they know that they’re going to win on like 98% of these. Right, and it’s the same thing with the income annuities.


Rebecca Powers 19:56

And they’re not paying you the money back.


Brian Quaranta 19:57

No, right.


Rebecca Powers 19:58

All the things you’ve been paying every month for 40 years. They don’t just go: you’re okay, now here, get it all back. They keep it, they invest it.


Brian Quaranta 20:04

That’s right. Let me think about think about car insurance, right, you get car insurance, you pull off the lot, three days later you get an accident, right? If your car is insured correctly, it pays for it. All right, you build your house. After you move in a couple of days, wind blows it over insurance pays for it to be rebuilt, that insurance companies do something better than no other company. And that’s they insure the risk better than anybody else. They mitigate risk better than anybody else, folks, go to onthemoneyoffer.com Get a copy of the book, read about everything Rebecca and I are talking about it will give you the clarity that you need to give you the peace of mind and security that we all want going into retirement. It’ll also give you all of the tools and strategies that I use at my office to help my clients build a good plan. And I don’t care whether you come to Secure Money Advisors, go seek other professional help, I want you to have this book, because I want you to understand the right way to build your plan. If you come in and see us great, but we’re not the best fit for everybody. We really want to work with those that understand how important it is to protect a portion of their retirement savings. How important it is to put a foundation, under 30, 40 years’ worth of work, if you’re a gambler, you’re not going to be for us. But if you’re somebody out there that’s worked really hard. And you want to make sure that you’re gonna have a retirement and you’re not going to have worries and anxiety and you want something that’s going to be reliable, we may be able to help. So go to onthemoneyoffer.com Get a copy the book schedule your Right Track Review, it’ll be worth it, you’ll get a lot out of the meeting, you’ll learn a lot from the team, nobody will ever try to sell you anything or pressure to do anything. Or just call the 800 number 888-382-1298. The team standing by to take your call and get you scheduled to come in.


Rebecca Powers 21:49

Absolutely. They really are some wonderful folks too. All right. Stay with us more about right tracking your retirement with Brian Quaranta right after this.


Announcer 22:04

The work never seems to end until the day it finally does. After nearly a lifetime on the job, you should be rewarded for all the time you spent working. Whether that’s crossing off items on your bucket list, learning a new passion or rekindling the love of an old one. After all, life isn’t over when you stop working. It’s the start of an all-new chapter, the one where you’re the writer and you get to choose how your story will go. A way to achieve that is by having a clear financial plan to sustain your golden years, the biggest fear most retirees have is if they’ll have enough money to maintain the lifestyle they’ve always enjoyed. Having a plan to help protect you against the curveballs life often throws will help to maintain your lifestyle. Call today to get your free written financial plan. See me live every day to the fullest and enjoy the retirement of your dreams.


Rebecca Powers 22:54

All right, welcome back. I’m Rebecca Powers here with Brian Quaranta of Secure Money Advisors. We are all like a family. And it is so wonderful to be in the office. And that first meeting will be truly eye opening. And I just want to remind you all to get this book, he will send it to you, all you have to do is call the number. The last chapter in the book is how to fire your advisor and hire a team. It’s not hard. It’s not as hard as you may think.


Brian Quaranta 23:20

No, the key there is hire a team.


Rebecca Powers 23:22



Brian Quaranta 23:23



Rebecca Powers 23:24

Any team?


Brian Quaranta 23:25

Yeah, look, when I was at the box firms, I mean, you kind of at the box firms, you’re kind of a solo advisor.


Rebecca Powers 23:32



Brian Quaranta 23:33

Yeah, it firms are understanding more now today, that you really have to have a team approach. If you’re going to provide, you know, high touch service, and you say high touch, high touch, yeah, high touch high touch, high touch means that we’re going to talk to you quite a bit throughout the year. Okay, you know, that you’re going to be able to connect with us throughout the year. Okay, you know, because a lot of people you know, Mike, they’ll tell me, they don’t see their advisor at all, you know, or two years have gone by, they haven’t seen.


Rebecca Powers 24:00

I don’t even know the name of ours when we were with the big box.


Brian Quaranta 24:01

Yeah, there you are, that does happen. Oh, yeah, you people get passed along to different advisors. I’ll tell you the really frustrating thing for me, is a lot of these big firms. You know, you might be with one advisor, and then you get switched to another. And they have a completely different philosophy-


Rebecca Powers 24:20

Oh, wow.


Brian Quaranta 24:21

-than the other, yet they work at the same firm.


Rebecca Powers 24:23



Brian Quaranta 24:24

They work at the same firm.


Rebecca Powers 24:26

But they’re taught the same lines and double talk to tell us.


Brian Quaranta 24:29

Yeah, so, but this is the thing that the most of the big firms, they don’t they don’t control what the planning processes so every advisor can plan the way they feel they want to plan. Wow, you know, it’s almost like every doctor just practicing medicine the way they want to practice medicine, whereas we have a belief at our office. You know, everybody at our office believes that there’s a portion of money that should be protected, that you should be working to make someone’s life simpler and less risky as they get older.


Rebecca Powers 24:59

Hey, imagine that.


Brian Quaranta 25:00

Yeah, right. But getting back to, to firing your advisor, right? Or maybe just telling them, you’re no longer working with them, it’s actually a lot simpler than people think. I mean, first off, you know, moving your money from one financial institution to another, there’s no cost in doing it. There’s no taxes and doing it if it’s done correctly, right? Every once in a while, you might get new a cost where it’s like a closing cost of some sort, right? Maybe an account closing fears of some sort.


Rebecca Powers 25:25

But it’s nominal.


Brian Quaranta 25:26

Yeah, but it’s nominal. So, but you can move your money very, very easily. And it’s all done electronically. And, you know, you know, if you’re trying to change from one advisor to another in today’s world, a lot of it’s just done electronically. Right. And you just you send it a form, and it moves.


Rebecca Powers 25:45

Yeah, so don’t feel like you have to call, you know, Mr. Smith. And I know you’ve helped me the last 12 years. But it’s not like this personal conversation, because so many people have loyalty. They feel bad.


Brian Quaranta 26:00

Well, and I tell people, Look, if you feel you need to have a conversation, go right ahead and do it. Right. You just tell them thank you for everything they’ve done. But there are situations. And this happens a lot. And I prepare people for it.


Rebecca Powers 26:12

They try to talk you out of it.


Brian Quaranta 26:14

They are taught to try to conserve that business. And they say you’re making a mistake. I can do that for you.


Rebecca Powers 26:23

Then why did you mention it?


Brian Quaranta 26:24

Well, that’s what I always say.


Rebecca Powers 26:25

DirectTV did that to me. They went up and up. And I called said I’m canceling you.


Brian Quaranta 26:30

Yeah, yeah.


Rebecca Powers 26:31

Why? Because you doubled without telling me. That was the situation. Oh, well, what are they giving you? We can do that? And like, Well, why didn’t you give me that before?


Brian Quaranta 26:37

Yes. Yeah.


Rebecca Powers 26:38

And that’s how it feels.


Brian Quaranta 26:39

Yeah, that’s just happened to me with Verizon, I went and got a new phone. And that gets your bills gonna be reduced. And he goes, I’m putting you on a faster network. I said, you have a faster network. He says, Yeah, you’re on the old network. I said, how long I’ve been on the old network. He says, like the last five years and I go cheap. No wonder why I’m on the airplane and everybody’s getting their stuff, and I’m not. So, but yes, folks, moving your money is very simple to do. But what I want you to do is go to onthemoneyoffer.com. Get a copy of the book, schedule a Right Track Review, meet with the team, you’ll get a lot out of the meeting, we’ll go through the five key areas with you will, will show you how to build an income plan. We’ll show you the proper investments you should consider using at this point in your life, how to build a tax strategy, how to make sure that your protected health event takes place and most importantly, a good estate plan so that when you die, the money goes to your family and not the IRS. So, onthemoneyoffer.com Go there to get the book scheduled a time or just call the 800 number. It’s 888-382-1298. The team is standing by right now to take your call and get you scheduled.


Rebecca Powers 27:42

All right. And thank you so much for joining us keep those calls coming in. Keep the emails coming in a lot of your ideas, our ideas come from your questions. Thanks again Pittsburgh. We’ll see you next time.