On the Money with Secure Money: Episode 92 – Securing Tomorrow: Navigating Social Security and Legacy Planning

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Video Transcript

Joe 00:22

Pittsburgh, you’re watching on the money with the man I call BQ. Brian, how are you?


Brian Quaranta 00:26

Joe? How are you, always good to see you, my friend.


Joe 00:28

Listen, we’re talking this segment about Social Security and the impact that it can have on the modern retiree. But I know there’s a big secret, you want to get it out of the bag,


Brian Quaranta 00:38

that there’s no magic checkbox on Social Security, that’s going to that’s going to magically increase the amount that you guys know magic box. Magic box, although there is a magic box. It’s called Planning. Planning is called the


Joe 00:52

Novel idea, But I wanted, I do want to clarify that because you know, too many people think that there’s something that they can check with Social Security Rasul security worker, all of a sudden, they’re gonna get a 20% increase, and it doesn’t exist. The biggest secret is that they took all the strategies they did, they’re changed the law, right. And that’s, that’s really where the planning comes in. And because the only way you’re going to maximize what you’re getting from Social Security, is actually to tie it into the overall income plan.


Joe 01:13

And I think that’s what’s so important that what you just said there the overall income, right? Yeah, how many people I know in my practice, and I know in your practice, we’ll see people come in with a statement from a big box. And they’ve done a pro just an amazing job of saving. Yeah, prolific savers. There’s a big number, but out of the 1000s of statements I’ve looked at, and I know you were the same way, cuz you talked about this, not on what never honestly, does it show you how much money you can take out to stay retirement ready. That’s right. And you have to couple that with Social Security, because as long as it’s there, that can be a viable part of the overall income plan.


Brian Quaranta 01:45

Well, what you’re talking about, is the pension disappearing, right? I mean, a five 90% of the people that are retiring are not getting pensions anymore. So that statement that we’re looking at, really is their pension correct. And nobody is teaching people and showing them the proper way to use that money. And that’s the difference between your practice and the other practices. And what we’re doing that so similar, is the fact that we’re helping people actually use their money use the money accumulating the money. Simple, right? I mean, it doesn’t, you know, all you really need is some halfway decent investments and some time, save more than you spend. Don’t do anything stupid. Yeah. But when you when you’re out of time, and you need this transition from accumulating your money to now utilizing your money, and now you’re going to make decisions around when to clicks or security, how to start taking withdrawals from your investment accounts. That’s when it really matters. And you better have a plan, Joe, you better have a plan. Because if you don’t, you’re gonna find yourself in some trouble.


Joe 02:37

It’s really tough when you look at folks that have tried to approach this on their own. Have you been to the social security.gov? site? It’s horrible. I mean, it’s I equate it to the Library of Congress. Well, the answers in there, but every book’s been knocked over. And it’s just, it’s buried, and you can’t find correct the real information that you need. Yep, this is so hard for folks to plan on their own. And I think so many folks who say, well, Aunt Sue, did this and Uncle Ed did them. But really, it’s not a one bucket fits all.


Brian Quaranta 03:04

No, no. And think about it like this. I mean, you know, my dad taught us how to fix our cars when we were kids, right? And I can remember, it was like, he would hand me a part and I go, Okay, well, now what do I do? Yeah. And Social Security’s that part. Yeah. Okay. Now, what do I do? How do I, how do I actually implement this? And that’s really where the planning part comes in. And there’s so much good you can do when it comes to maximize your soul security with a good plan? Because it may be and is this and I know, you see the same thing in your practice. everybody’s situation is so different. There are some people that because of how much they saved and where they save that money, yes, taxable versus tax free, yes, they may be able to actually delay Social Security and take advantage of that 8% increase. There are others where it’s not going to benefit them to delay.


Joe 03:51

And the thing is, is that most of the advice out there is delay, delay, delay, correct? Yeah, correct. And that’s not always the case. That’s not always the case. And I think what’s so important, you said at the beginning, I want to reiterate, you know, if you haven’t saved enough, and life is hard, folks, sometimes it’s just hard to put money away. Maybe that’s you, you’re like, Man, I wish, there’s no secret. The secret might be on this, just take it. Yeah. But if you’ve accumulated some wealth, this is specifically important because there are strategies and some things you have to consider. Yep. revolving around the tax consequences of your other assets, how this can be the perfect marriage and doing it


Brian Quaranta 04:22

right. Yeah. And you make a great point. I mean, if you if you haven’t saved enough, your best option, if you want to retire might just be take it right, absolutely right, or work as long as you can, and try to save more than take it. But for those that actually have accumulated some wealth, this is where social security planning really can become powerful. As far as how you’re maximizing your own assets, along with Social Security. I mean, think about it for every dollar that you get in Social Security. It could be $1 less you have to take from your investments. We’ll


Joe 04:52

say that again. Because that’s so profound, yet it’s so simple.


Brian Quaranta 04:55

Every dollar you get in Social Security is $1 less you have to do you don’t have to spend out of your savings, you’re not spending your savings. So, think about what that does to your wealth over time compounds. Think about how that how that protects your purchasing power over time, right? Because one of the rules that can be changed on Social Security. And the other big secret is that, you know, social security when it started, we were promised it would never be taxed. Right? And then what happened and what 8383 with Ronald Reagan, right, he changed, he started taxing that started winning, and they realized there wasn’t enough money. And that’s right, and then and then Clinton, tax it again. So now up to 85% of the benefit could become taxable. So think about it, if all of a sudden tax rates go up, and I talk to people every single week, so do you on your TV show, and radio show all the all the educational events we do if you ask people today, if they think taxes are going up or down in the future, they tell you, they’re going up. And if that’s the case, think about the loss of purchasing power as taxes go up, and they and they’re getting less money. And then on top of it, if inflation continues to run at the rate that it’s going to be running. And we have to think about purchasing power long term, because that’s what matters. So, you have to get the gas in the car. That’s right, the account value on the statements is less important than the cash flow that can be generated from the investments themselves. So powerful, so powerful, right? And you need a written income plan, you absolutely do. And this is why I love the fact that we’ve put together a very simple retirement readiness report that allows people to look at all these different options that they can choose, along with a Social Security Report that can dial some of this stuff in. And it’s just important that people have information laid out. And they look at the math and both you and I are big believers in the math, we’ll win all the time, all the time, it will win. And so many people are not building their plans around math. And so, it’s just important that we look through these strategies. And social security is a big decision. Just like just like choosing your Medicare is a big decision, why do a supplement? Do I? You know, or do it? Do I do an advantage plan? Right? I mean, do I use Medigap? Do I use an advantage plan? These are all big decisions that need to be made.


Joe 06:53

And that’s why it’s so important. I know, you do this so well at your firm, that it’s a comprehensive retirement plan. That’s right. It’s not just gonna grow the money. Okay. How does it all work? It needs to be a symphony, everything has to go together. So, you can have the retirement of your dream. That’s


Brian Quaranta 07:09

right. Your income, your taxes? Yes. Your investments, yes, your healthcare strategy, and most importantly, your estate planning strategy. That’s what that retirement planning is all about.


Joe 07:19

Folks, so many of you that are out there probably are thinking about wow, I haven’t really thought about Social Security and the impact it has on my overall retirement. This is exactly for you, Brian and his team are standing by, we need you to doubt 888-382-1298 You get one shot at retirement. Ask yourself this question. What if I choose poorly? When to turn on my Social Security? How does it affect my overall retirement plan? Am I going to have enough money? Brian, it’s important not just to retire, but to be and stay retired. And to do that you have to have the proper income position. And so what the team standing by and ready to offer you as a retirement Readiness Review and a part of that is a written in compliant with a Social Security Maximization report. But again, we need you to doubt 888-382-1298 You owe it to yourself to be in stay retirement ready, call that number and say I want a Social Security Maximization report. Thank you for watching on the money!


Announcer 08:20

Call 888-382-1298. To receive your complimentary retirement Readiness Review and Social Security Maximization report. Get the most from your Social Security payments, find a strategy that maximizes your Social Security benefit and preserves the assets you’ve saved for retirement. Social Security seems easy, right? The question is, should you take it now or later, there are numerous ways to file for Social Security. The decisions you make can also affect how much you pay in taxes you paid into Social Security for decades now get the most out of your Social Security benefit, call Brian and his team 888-382-1298 for your complimentary retirement Readiness Review and Social Security Maximization report. Now you need to build that into a retirement income plan with all your assets. Call Brian and his team right now. 888-382-1298 To receive your complimentary retirement Readiness Review and Social Security Maximization report or use a QR code on the screen to schedule your appointment today.


Joe 09:21

Pittsburgh, you’re watching on the money with the man I call BQ. Brian, I want us to talk about I’m a history guy. Yeah, we’re making history. We are not in a good way. That’s right. And so, I’m gonna rattle off some stuff. One of the things that just alarms me, and we see this all the time in the business that we’re in, that there are good markets and bad markets, but the geopolitical events that are happening right now are just history making events history making. Let’s start with the first war in Europe in over 70 years. And yet, how many portfolios are you seeing from folks calling in off the show? And they’ve got 401 K money and IRA money heavily allocated into the International.


Brian Quaranta 09:58

That’s right. All right. That’s it. short, yes,


Joe 10:01

you’re looking at inflation that has been running rampant. We haven’t seen moves. It’s the worst bond market since 1981. And the Fed has made a mandate, they will beat this inflation and they’re raising rates. And on that point, the last time they met not too long ago, they raise 75 basis points, three quarters of a percent BQ. The last time they did that I was a senior in high school, right. History making movement.


Brian Quaranta 10:25

I know. By the way, I was a junior in high school.


Joe 10:28

I know. I love I love it. Yeah. My son just graduated high school. Yeah, this one got me, four years ago. He’s a freshman walking in, walk him into the freshman building. I drove him right because he didn’t have a car. You know what our national debt was four years ago? What was it? 20 trillion. Yeah, no, we’re at today. What is it over? 30? Yeah, in four years, right. There are so many geopolitical risk risks that are coming down the line. And I think the modern retiree, especially in Pittsburgh, sophisticated investors, but just kind of got comfortable hitting an easy button on investing.


Brian Quaranta 11:00

Well, when the markets going up for as long as it was people think it’s easy this act. It’s never this easy. Never. When you see kids starting to put their college money that they’re getting from their grandparents into Robin Hood and making a lot of money. It’s a good time to probably exit you know, Warren Buffett, most people don’t know this, but he hasn’t bought anything probably in the last, I don’t know, five years, eight years, somewhere around there. It’s been a long time. Berkshire Hathaway shareholders were getting upset that he wasn’t buying anything. Do you know what he’s doing right now he’s buying like crying like crazy. He’s buying like crazy, because he waits for times like this. So many people are not Warren Buffett, though, right? They do the opposite. They do the opposite. And that’s where people get themselves in trouble. And these rising inflation rates, bad bond markets, this is bad stuff for people’s portfolios, because typically, when we’re looking to hedge risk, and you know this, when we’re dealing with retirement dollars, we have to have a way to hedge risk, because our clients because we’re dealing with those that are approaching retirement and every time we can’t afford to lose large sums of money for them, right. And we have to be able to protect them from that. And these folks, what are happening is when they’re losing money, they may have to delay retirement, they may have to go back to work. And this is not where we want to be the question is this, and nobody’s talking about but this markets really bad. I mean, could we start seeing 201? KS again? I hope not. I hope not either, because that that was devastating to people absolutely. devastated. They


Joe 12:18

had to stay in the workforce longer. That’s right. You look back at the history. And I think this is important to point out when you are giving me some stats. I love this. So, we’ve got this a target date fund, you talked about the easy button, you know, everyone in the 401k I feel has this target date fund now. Yeah, yeah. Right. Do you know right now we’re mid-year, right. The 2025? Target? Yes. 2022. We’re three years away from this. Yeah. Is down over 14%? That’s right. These folks are three years away from walking out and retiring. Yeah. And they’re down almost 15% mid-year, right. Then you go in and look at 2030 fund, that’s people getting ready to hit those retirement red zones, right? They’re down over 15%. This market, if everyone managing their money the same way? There are so many concerns because of the history and where bonds and stocks are both feeling this correlation together. Right? What is the current modern retiree in Pittsburgh to do?


Brian Quaranta 13:09

Well, I had somebody come in with a 2022 retirement fund down over 20%. Now, here’s what we got to remember; mutual funds are a business. Yes. So, what happens when you have all these target date funds out there? You all these companies have a 2022 target fund 2023 2024. So, they’re competing on return? Correct, right. So, what happens when a commodity becomes a commodity, and these funds are probably taking more risk than others to try to increase return. But what the investor was told was that, hey, rather than trying to figure out what to choose within your 401k, just choose a date in which you want to retire. And we’ll make sure that that portfolio rebalances along the way, in the hopes that when you approach retirement that that portfolio is more conservative. Now, I don’t know about you, but a 2022 retirement fund that lost over 20% is not conservative, not at all, somebody’s losing 20% Right before they retire. What we have learned from statistics is that when people retire at the top of a bull market, there’s a higher probability of running out of money. And as you approach retirement, when you’ve won the game, when you’ve accumulated enough money, there is no reason to take a large amount of risk anymore, it becomes all about principal protection, because the losses will hurt you more than the gains will help you in retirement. So, it’s really about being efficient with protection, right and thinking about your purchasing power long time versus your account value and trying to get big rates.


Joe 14:26

Which is what I love with what you and your team do with utilizing alternative asset classes and sophisticated option strategy. That’s right, help hedge that risk. You know, you and I don’t think people understand that that exists. Joe? Correct. They don’t they think it’s a target date. Because you utilize the same strategy.


Brian Quaranta 14:39

We talk about it all the time, right? Because you’re only going to get it through alternative asset classes and different options strategies, this type of protection to hedge against the risk because for folks that don’t understand hedging risk, we typically use bonds to offset the risk of stocks, but when bonds and stocks become correlated, that becomes a problem major. So, the only way to truly hedge against risk is through alter. heard of asset classes and very sophisticated options.


Joe 15:01

You know, it’s fun to look at history till we’re talking about history. And you go back to oh eight and oh nine, and one of the only airlines that really survived me through that whole thing was southwest. Yeah. When you look at what they were doing, they were hedging their biggest risk. And that was jet fuel. Yep. And when Jeff, you went over $140, they were hedged. And that’s what they’re doing now. And this gas continues to run. And so big corporations will hedge their risk. The modern retiree in Pittsburgh needs to have some risk, because you can’t manage all your money, the same way you ever been sailing? I have. It’s


Brian Quaranta 15:34

a frightening, it’s amazing to me that you can actually move into the wind moving,


Joe 15:38

and what do you have to do to do that you have to adjust the sail. That’s right. And I see so many folks are just saying, Oh, no, I’m just gonna set it, forget it and wait for the wind to come back in my Well, that is a very dangerous way to walk into retirement, right, hoping on an extra refactor, control what you can control. That’s


Brian Quaranta 15:53

right. And that’s why having a written retirement plan is so important. And so many people and I know you experienced this in your practice, so many people come in, and they have investments, right. And they have this pile of stuff, we call it their POS their pile of stuff. And that’s all it is. There’s no strategy around how to utilize it, how to maximize return from it, how to reduce risk, and more importantly, how to generate cash flow, which is the most important thing is generating cash flow. Because cash flow allows you to create memories, how many people out there are not creating memories, with their families with their grandkids with their kids, because they’re afraid to spend their money, because no one’s taught them how to use it. Every advisor out there, the majority of them out there do not focus and specialize in the areas that we focus on, which is the distribution phase. And it’s a very important phase of retirement. And everybody thinks the strategies and techniques that you use during your accumulation years are the same you can use, you have to adjust this you have to adjust and that’s what people have to know, Joe,


Joe 16:45

folks. That’s why it’s so important in these markets in these historic times that you have a clear understanding of what we’d like to say the hidden risks sitting inside your portfolio. But to do that, we need you to doubt 888-382-1298 Brian and his team are standing by to help you be and stay retirement ready. And what they want to offer is a no obligation complimentary retirement Readiness Review. And in that review is a detailed risk analysis. You cannot march into retirement without knowing how much hidden risk you have sitting in there. So, today’s the day take control of your retirement and dial that number.


Announcer 17:21

Call 888-382-1298 for your own complimentary retirement Readiness Review and Risk Report. Why take unnecessary risk when you don’t have to at 65 years old? Would you drive to the grocery store at 100 miles per hour? If 40 miles per hour would get you there safely When nearing retirement? Are you still driving your investment accounts like you’re in your 30s? Or 40s? Have you changed your investment election since you first chose them in your retirement accounts at work? Call Brian and his team at 888-382-1298 for your own complimentary retirement Readiness Review and Risk Report. Do you know exactly how much risk you’re taking in your investment accounts. Now that you’ve accumulated a nest egg for retirement, you want to be certain the risk you’re taking in those investments matches your goals and objectives. Call Brian and his team 888-382-1298 For your own complimentary retirement Readiness Review and risk report or use the QR code below to begin scheduling your appointment. You may not have time to recover from taking too much risk.


Joe 18:24

Pittsburgh you’re watching on the money with BQ, Brian, we’re talking today about legacy. Now we’re in Pittsburgh,


Brian Quaranta 18:33

Do you think anybody knows what legacy is? Probably? Yeah,


Joe 18:36

no, I write legacy planning. Yeah, is a challenge. I think we start there. Yeah. What is legacy planning for the modern retiree from Pittsburgh?


Brian Quaranta 18:45

Well, let’s first talk about what they think it is. Right? Okay. They think it’s when you put together legal documents, right? Yeah. When you put together a trust and a will and a living will and all those documents, right? But really legacy planning comes down to really having a retirement strategy leads into the legacy lead gen two, because what people don’t realize is that the most important document you own actually is not any of your legal documents. It actually is the beneficiary document act on your IRAs, your 401 K’s your insurance products like life insurance and annuities, that beneficiary document trumps everything legal document your trump card, it’s the trump card and a lot of people think that they need a trust to avoid probate and things along those lines, when in fact, a beneficiary form avoids probate. So, people are setting up estate planning strategies without having a real written retirement plan in place first, and what happens is things are missed not all the i’s are dotted and all the T’s are crossed.


Joe 19:40

Correct. You have to have a written and complete because think about this when you’re marching into retirement the pensions are gone. Right. What you’re going to be able to spend and live off of is the are the assets that you’ve accumulated. That’s right I don’t know how Wall Street it’s failed the monitor retiree? Yeah, because what they’ve done is promoted this watch your numbers Oh, commercial. I watch your number. Watch. Number One. Sure. That’s right. But it’s not the number. It’s the income derived off that number that allows people to stay retired. As we know, in this market, that number can be up. And honey, it can be gone. I like that.


Brian Quaranta 20:13

That’s right. And what you’re really talking about is purchasing power. Correct, right? How are you going to continue to maintain your lifestyle if you lose purchasing power? So, if you have a portfolio that you’re taking money out of, and the market goes down? Are you going to continue to take money out? You could, but if you do, you run the risk of running out of money, because now not only are you locking in the losses, because the market took it away, but you’re compounding the loss correct by pulling the money out correct. And this is a very dangerous thing for people to be doing. But yet, they’re being advised over and over again to do it because they don’t understand, and Wall Street does not understand income distribution. They just don’t they understand accumulation. And that’s it. And what Wall Street needs is time with your money. But when you don’t have time, Wall Street’s not the place for the money. Now you could have Wall Street in some portion of the plan. But you can’t have it at all, correct. Because if you’re rolling the dice with 100% of your money, bad things potentially could happen.


Joe 21:07

Well, the world saw that we don’t have to go back to ’08-‘09 go back further go back to the last decade, right? Think of 2000, ‘99 everything was hot. Yep, 2000, you’re down 10% 2013. Or one, you’re down about 13 2002, you’re down almost 40% between those three years down. If you’re taking the old John Wayne shoot from the hip 4% Row income off of that your income has gone yet a million dollars from 40 grand, substantially less almost cut in half, because the assets have come down as you pull money out. That’s right. And so, when it comes to the legacy and leaving a legacy, not only do you have to plan on your income and how to survive that, but you’ve said this in previous shows, you can only spin after tax money. Most folks don’t have a clue at the tax implications sitting right now, the hidden debt they owe That’s right, and their 401, Ks and IRAs and how it affects their legacy.


Brian Quaranta 21:58

You mean, the IRS is the largest beneficiary and shareholder of most qualified deed? Ding, ding, ding. Yeah. So, a lot of people think that putting money into a trust, and I know you see this, they think that they’re going to magically avoid all this taxation. But the reality is, for most people, their largest asset they have is an IRA or a 401. K, that money cannot go into a trust, right? If it goes into a trust, it becomes taxable. Correct. So, the only way, the only way to properly get that money, right into a legacy plan that would be tax efficient, is actually to do tax planning, in the retirement writing portion.


Joe 22:32

And to do it now. That’s right. That’s right. And the reason we say now is because we know if Congress does nothing, and they’re brilliant at doing nothing, the current tax law will change at the end of 2025. So, there is a window of opportunity for legacy planning now, just because Congress has that window where the best tax rates we’ve ever seen ever.


Brian Quaranta 22:50

Just to your point, Congress can change the rules and hardpoint look what they did with the RMD. Correct. Right. So, the RMD was actually worked in our favor. It went from 70 and a half to 72. But there’s legislation right now where they want to increase the amount of money that you’re required to take out. And so, they not only that, but they could vote themselves into being a larger shareholders in your retirement.


Joe 23:14

I would challenge on top of that to say at $30 trillion in debt. Yeah, I think the hundreds of that happened. And


Brian Quaranta 23:20

I don’t think people understand Joe, that they can get the IRS out of the picture. Get them out, buy them out right now.


Joe 23:25

You showed me something at breakfast, we have to go over it. Yes, this is part of what we’re talking about today, folks, if you’re if you’re hearing this, and you have money in a 401 K, and an IRA, well, we like to say in the history is a qualified plan. I want you to pay attention here, Brian ran this example, it was a 65-year-old man, here’s some assumptions, a million dollars in an IRA, you just ran the taxes where they are today 25% and stayed that way forever, forever. But as you know, most people that have accumulated wealth, they ended up not just living off this by the other assets, they just want to reinvest it and let it grow. Right. So, you took this 65-year-old takes the RMDs reinvest the RMDs, they’re still taxes do That’s right, and then passes away at 90. And so, then there’s money still left in there that the kids have to pay taxes, when you run that report a million dollars at 65 to 90, the total taxes paid and do on that is over $900,000 Yes, that is why leaving a legacy. You have to look at your tax analysis, you have a clear understanding of how much money you might be able to leave on the next generation, because somebody’s gonna get it. And I know you and I know me. That’s right. I want that to go to my kids.


Brian Quaranta 24:30

Yeah. And folks, think about this. When’s the last time you wrote a check to the IRS for $995,000? And that is a check. You do not want no right. And again, what Joe and I are talking about here, it’s actually getting the IRS out of the picture with proper planning, so that the legacy component becomes tax free. Right. I mean, that’s it. And I know you see it all the time of your practice, no planning is being done on these accounts. None. You know, people are not getting planning. They’re getting some investment strategy advice, you know, but that’s not a retirement plan. Retirement Plans are all about Your income, it’s about your taxes. It’s about your investments. It’s about your healthcare strategy. And of course, what we’re talking about right now is the legacy component. These are very important because when you do get it right, you know, I’ve got two young kids. I know what’s interesting is, you and I are about the same age. You’re sending your kids to college now, and I’m just starting, I gotta get a head start. Yeah, but I know you feel the same way I do. I don’t want I don’t want to have my death come and my kids think, wow, my dad was a smart guy. But how did he miss this? He missed? How did he wind up leaving the IRS the largest beneficiary, and nobody watching the show wants to see that happen to their money, but unfortunately, they’re not getting the proper advice. And or they’re taking their advice from the wrong people jokes,


Joe 25:39

right. Pittsburgh, listen, this if you have retirement money, and you have IRAs and 401 K’s this show is specifically for you, you need to have a clear understanding the legacy that you can leave to your beneficiaries, whether it’s an institution or your own children, you need to dial 888-382-1298. And when you call tell them it’s a retirement Readiness Review, and you would like to get a detailed tax map. If you have an IRA or a 401 K, you need a tax map. Why? Because taxes are owed on that money, and it will have an effect on your legacy planning. But to do that, we need you to dial in at 83821298 so you can be in stay retirement ready.


Announcer 26:23

Call 888-382-1298 right now for your own retirement Readiness Review. Having a clear path to retirement is more than just your savings. This review will include a complete risk analysis on your portfolio and in-depth fee analysis to determine how much you are and could be paying on those investments a tax reduction report and lastly, we’ll look at health care and legacy planning for you and your estate. To begin your retirement Readiness Review. Call Brian and his team at 888-382-1298. Or use the QR code to schedule your appointment today. Whether your retirement is coming soon or you want to be certain you can stay retired. The retirement Readiness Review will help guide you through your financial planning needs. Call Brian and his team 888-382-1298 or use that QR code to schedule your meeting today.