Retirement You TV: Episode 40

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Video Transcript

Cynthia de Fazio 00:20

And welcome to retirement new TV. My name is Cynthia De Fazio. I’m joined today by Brian Quaranta. He is president and founder of Secure Money Advisors as well as Neil Mager senior investment advisor. Brian, how are you?

 

Brian Quaranta 00:33

I’m doing great. Cynthia, it’s good to see you again.

 

Cynthia de Fazio 00:35

It’s good to see you again. Neil. How are you?

 

Neil Mager 00:37

I’m great. Cynthia, good morning to you.

 

Cynthia de Fazio 00:39

Good morning to you as well. And thank you both so much for coming in to do the show this morning. I know things have been so incredibly busy at the office. Neil, what types of questions are you hearing from people regarding planning for retirement?

 

Neil Mager 00:52

Yeah, we’re hearing a lot of different questions at the office. I mean, a lot of people have numerous concerns spread throughout, whether it be taxes, inflation, the market, you know, will the market continue to go up is at an all-time high, should we start to make some changes to our portfolio, we’re hearing a lot about the cost of living, you know, we’re all experiencing that how the goods continue to go up, we’re seeing it each and every place that we go to where we shop, gasoline, the grocery store, I mean, you name it, the prices are really going up. And then taxes. Obviously, that’s always a big one, you know, with what’s been happening, people fear that potentially tax rates increase, and how does that impact their cash flow? You know, so it’s a lot of good questions that are coming in. And, you know, we hope to satisfy those concerns as much as possible when people come into the office.

 

Cynthia de Fazio 01:46

Thank you, Neil. Brian, what about you anything else that Neil didn’t mention that you’re being asked?

 

Brian Quaranta 01:51

Well, a lot of people will come in and say, Look, I don’t know when to take my social security. Yeah, they’ll say, I’m not really I don’t have a pension, and I need income. They’ll say, you know, I’m at a point in my life where I can’t afford to lose the money that I’ve accumulated over the last 35 40 years. So, I mean, these are real concerns going into retirement, because we don’t get a dress rehearsal, right? I mean, this is this, we don’t get a second shot at this. It’s not a dress rehearsal, we got to make sure we get it right out right out the gates. But I would say the most common concerns we typically hear is, I don’t know how to generate income from my portfolio, I’m afraid of losing the money that I’ve accumulated up at this point. And I don’t have a pension and I need to create one. And that’s what we do really well at secure money advisors.

 

Cynthia de Fazio 02:33

Well, you definitely do. And I know your clients really enjoy working with you. And I have a special treat for today’s show. Actually, we didn’t get a chance to talk about this. But we have viewer questions. And so, I would love to devote the entire show to just the questions. Okay. All right, Brian, I’m gonna guide the first one to you, since you’re sitting closest to me, this is a caller, her name is Ann from Pittsburgh. And she would like to know this, Brian, my ex-husband and I were married 25 years before we divorced, he passed away this year. He was 68. And I am as well, my question is, how is Social Security affected? Will I still be entitled to half of his social security, even though he passed away?

 

Brian Quaranta 03:12

This is a great question. Because this is one of the things that we do so well at secure money advisors is looking at all of these bad things happening on paper before they happen. And one of the things most people don’t realize is that when you’re generating cash flow in retirement, and you’ll look at the income sources most people have, if you’re a married couple, you’re going to have two social security checks. You know, let’s say you’re your wife has a 1500 dollar, check a month, and your husband has a $2,000 check a month. Well, what happens is, when one of them die, the lowest check is going to fall off, and they’re going to pick up the highest check. But there’s still going to be a reduction in income, right? Because there could have been a pension involved there. So Social Security planning is very important. But beyond social security planning is just cash flow planning in general. And that’s the most important thing because those situations will come up. We deal with those situations all the time. But what we’re doing is we’re looking at that stuff ahead of time. So, when you come to our office, we’ll look at what happens if your husband dies first. If you die first, and what those drops in incomes will be and how much social security you would receive if one of you die.

 

Cynthia de Fazio 04:16

All right. Thank you so much, Brian. Excellent response. Neil, this next one is for you. It says I am Bernie in South Hills. I’m 64 years old. I’m still working I make 130,000 plus a bonus each year I don’t have any debt. I don’t own any property. I’m about to inherit 1 million and half of it will be this month. I have a decent 401k Where should I invest the inheritance? Would real estate be a viable option?

 

Neil Mager 04:43

Wow, that’s a really good great question. And you know that’s a significant money amount of money to come into so-

 

Brian Quaranta 04:50

Probably Bitcoin right? By the way, full disclosure, that is just a joke. I Don’t want to go out and buy Bitcoin, sorry.

 

Neil Mager 05:03

Well really I mean, it’s all about mapping out a game plan for you and your particular situation. So, to say exactly how we’re going to invest that money, you know, I’m not exactly sure of how I would tell you right off the bat until I learned a little bit more about your situation. But, you know, there’s a lot of good options available for you, I’m sure real estate is definitely one of them. I mean, we all know that it’s a really good appreciating asset. But also, the amount of income that you can generate from real estate can be really good for retirement because it becomes like a pension. Sure. Now, the only challenge that I’ve seen in my office with real estate is that you do have, you know, property management, you have to deal with tenants, you have to deal with updating the place. And sometimes that can be a little bit overwhelming for folks in retirement, but real estate’s always a great investment.

 

Brian Quaranta 05:51

And what we see a lot of folks, you know, as they get older in our practice, where they actually want to get out of their real estate, because it just becomes too much for them to manage. And they’ll say, look, the kids don’t want this, we really don’t want it anymore, he’s spending too much time taking care of the place, or whatever it might be. So, a lot of people as they go there really want to want to divest from those positions,

 

Neil Mager 06:10

One of the things I hear all the time is I’m sick of going over on Christmas Eve, to unclog the toilet.

 

Brian Quaranta 06:15

But that’s why that’s why to your point, it’s, you know, money, if you’re gonna do it have a profit property manager is probably the better way to do it. And spending a little bit of money to have those property managers but you got to you got to really think about, you know, where to deploy that money to it’s a big sum of money that you’re going to receive as far as an inheritance, you probably want to make sure you take good care of it, you don’t want to lose it or risk it because it’s coming from, you know, a family member of some sort. So, you know, there’s a lot of responsibility that goes into that. The other thing I wasn’t sure if he mentioned where he was inheriting the money from,

 

Cynthia de Fazio 06:48

You know, he did not, he just said, I’m about to inherit 1 million, half of it this month.

 

Brian Quaranta 06:52

Yeah. So the, you know, the other concern there, and we don’t know much about his situation other than this. But the other concern there is what if that’s coming from a retirement account of some sort. I mean, with the secure act, I mean, he could be looking at given, you know, probably $400,000, to the IRS, just in taxes alone, because of it becoming to him in the form of income. You know, and this is where the secure Act, which we talk about a lot, you know, really comes into play, because the secure Act has changed the way that we inherit money. And inheriting money can be a big taxable event, if not managed correctly. So, it’s important that you really understand the tax implications of where to transfer that money to, to maximize your situation. That’s the first step. Taxation is always the first step, deplane it, whether it be investments or real estate, or wherever it might be that secondary, right, but you know, at the end of the day, you know, a good plan will help you decide where to put that.

 

Cynthia de Fazio 07:51

Sure. Sure. That makes sense. Well, Brian, I know that you and Neil have a special offer that you would like to present to the viewers at home, let’s talk about what that is, and then open the phone lines. Sure.

 

Brian Quaranta 08:00

You know, one of the biggest questions that we get when most folks walk into our office is “are we on the right track? Are we doing the right things?” And folks, what I’m going to tell you is, if you’re not on the right track, when would you want to know that? Right, it’s probably better now that you know that than later. And a lot of people that we sit down and meet with, they have investments, but they really don’t have a plan itself. And there’s two different phases that we go through with our money. There’s an accumulation phase, there’s a distribution phase, most people are invested in that accumulation phase, they don’t have a plan for distribution. You know, I think they say that, you know, there’s a statistic about Mount Everest, yeah, that, you know, you would think that most people die on the way to the top. But in fact, the majority of deaths happen on the way down and lay down and you need a guide for the way down and distribution is no different. There’s a- you have to have a guide on the way down. So for the next 10 callers who call in, we are going to give you a complimentary portfolio analysis, we’re going to help you go through five key areas, we’re going to talk about your income, your taxes, your investments, your health care and your legacy planning. But you’ve got to do your part. You’ve got to pick up the phone and call us. It’s 1-888-382-1298. And you can schedule your complimentary portfolio analysis. Today, we’re gonna meet for about 45 minutes or so. We’ll go through a lot during our meeting. Don’t worry about what to ask. We know exactly what to ask you to to help you guide you through the process as efficiently as we can and give you a lot of clarity and peace of mind moving into retirement. So again, that’s 188838 to 1298.

 

Cynthia de Fazio 09:33

Brian, thank you so much, Neil, thank you so much to the viewers at home, the phone number to call is on your screen. That number is 888-382-1298 We know you have a lot of questions about how to retire comfortably. How to retire with confidence. Brian and Neill have the answers for you. Now we have to take a very short commercial break but don’t go anywhere. This whole show is dedicated to you. These are viewer questions and the next one could be your very own. Stay tuned.

 

Break 10:00

How confident are you in your current financial plan? Do you know with certainty how the recent market volatility will affect your future hopes and dreams? How much are you paying in taxes? And how much are you losing to unnecessary high fees? You didn’t work to save this money so that you could spend your time worried in retirement. Now is the time to take charge of your finances so you can feel confident about your future call in during the next 30 minutes of today’s show only to set up an absolutely complimentary no obligation, full blown financial review that will result in your own customized written plan. This is a $999 value that we’re giving away complimentary to the first 10 people who respond. We’ll start with a full-blown analysis of what you already have, by running a report to untangle how much you are currently paying in fees, how you’re allocated for risk, and what it’s costing to work with your current advisor. Next, we’ll identify your goals. Where do you see yourself in the next five years? Where do you want to go? And who do you hope to go there with is your current financial plan set up to get you there without mishap? Let’s design a roadmap to create a financial plan you can follow with confidence, get the piece that so many people are missing from their retirement. Find out how having a written plan can make a difference to your retirement dreams. Call now to schedule your complimentary no obligation full blown financial review today.

 

Cynthia de Fazio 11:34

And welcome back to Retirement You TV. My name is Cynthia De Fazio. I’m joined today by Brian Quaranta. He is president and founder of Secure Money Advisors, as well as Neil Mager, senior investment advisor. Gentlemen, a great show we’re having today. And obviously it’s so exciting, because these are all viewer questions. And so, we know people are paying attention each week. They’re loving the information you’re providing. But they have more questions they want to have answered. So, this is all about them.

 

Brian Quaranta 11:59

Yeah, and I would say this to Cynthia, if you if you have questions that aren’t getting answered, take the time and go to our website, www.securemoneyadvisors.com. Go to our events tab and see where we’re going to be next for our next educational event. And we get into a lot of topics during those educational events and answer a lot of different questions that we might not even get to on the show today.

 

Cynthia de Fazio 12:19

Absolutely. Well, Brian, this is a great question for you. We’ve talked about this a little bit in the past. But Brian, I am curious as to know, I’m sorry. It’s from Cranberry. I’m curious as to know what you think about the 4% retirement rule? Is it still accurate? And if it is, what type of mix of stocks and bonds and annuities would be appropriate to use with the 4% rule?

 

Brian Quaranta 12:40

It’s a good question. What’s your opinion on the 4%?

 

Neil Mager 12:43

Well, that’s a great question. I mean,

 

Brian Quaranta 12:45

we you know, the 4% rule is just I mean, it’s got a high degree of failure. You know, again, that’s according, that’s according to the Wall Street Journal. I mean, the Wall Street Journal recently did an article on the 4% rule of whether or not it’s viable anymore, because if you if you trace back the history of this 4% roll, you can go back to the early 90s. And what you’ll read is that there was this guy by the name of Bill Benjen, who created it, at the time, if you think about it, when it was created it were in the 90s. So, the markets were completely different, right? If you looked at what were bond rates back then about 8 percent in mid 8s. Cash was paying somewhere around seven. Yep. And then and then stock market returns were averaging, what about 14? Correct? Yeah, so you know, if you look at that, and then today, I believe bond rates are below 3%, about 2.9. Cash is paying as hardly anything. I mean, the banks don’t want our money anymore. And market returns are hovering, where about right now about eight to nine, somewhere around there. So, this 4% rule was all about putting a portion of your money in stocks and portion of money in your bonds, right, and then withdrawing 4% a year. So, if you had a million dollars, you would start with withdrawing 4%, which would be $40,000. And then you would increase that withdrawal by 3% a year to keep pace with inflation. And what’s interesting is if you look at the degree of failure with it, it’s alarming, you know, when you see that, there’s up to a 57% chance of the 4% rule could fail. So, if you if you fast forward to where we are today. Unfortunately, a lot of firms still focus on this rule. It’s outdated. It’s antiquated advice. There’s new approaches and new ways of doing it. You mentioned annuities in there. Annuities is a great way to create a pension for yourself and actually buy time back on your growth portfolio. See, if you talk to any expert about investing, they’ll tell you the number one key ingredient you need is time. If you just leave it alone, you’ll be fine. But here’s the problem. We’re going from an accumulation phase to a distribution phase. So how am I going to leave the money alone? If I need to take it for income? I don’t have time. I need it right now. So that means you know the old saying goes buy low sell Why? Well, if you’re going to start taking $30,000 a year out in income, and the market goes down, you’re not going to stop taking the 30,000 you needed to live off of. So now you’re going to sell low. So, the way that you have to approach it is different than the 4% rule. And what we teach you when you come to secure money advisors is the proper way to bucket your money. We always talk in buckets of money. And we need we need a now bucket, we need a soon bucket and we need a later bucket. And we show you how to do that with the proper investment vehicles.

 

Neil Mager 15:28

Okay. All right. And to Brian’s point, I think, you know, what we’ve seen a lot of in dealing with the portfolio analysis that we provide, a lot of people are taking a lot more risk in their portfolios, because the bond yields are so poor. Absolutely. So, what we’re seeing is a lot more people positioned in equities, than they should be based on their age and their retirement date, because they just don’t want to deal with the bonds and the in the low, low returns that they’re getting. So, it’s interesting that they brought up the annuities because the Brian’s point, you know, annuities, the view of them has really changed over recent years, because they are a good, safe place to get a reasonable rate of return on your money. So, you can start to build those bucket strategies.

 

Brian Quaranta 16:10

Yeah, I think there’s a lot of misinformation about these annuities, you know, and there should be because there’s a lot of different types out there. But if you read about them online, they can spook you a little bit. But if you get into a good annuity, that’s just simple, plain vanilla annuity, it could potentially be a really good strategy for you, it’s not a good fit for everybody. But it potentially can really handle the bond portion of the portfolio. And basically, what you’re doing by buying an annuity is you’re shifting the interest rate risk to the insurance company for a guarantee of income. Now, a lot of people think, Well, geez, if I give my money to an insurance company, I’m never gonna be able to touch it, I’m not gonna be able to get it out. And that’s just not true. You can take a lot of money out of your annuity every single year. And if you die, all the money goes to your family. So, people just need to get reeducated on how they work because they are becoming a great tool in retirement planning. And you’re seeing more and more firms talk about the use of annuities in today’s marketplace, because of how bad safe interest rates are,

 

Neil Mager 17:10

as licensed fiduciaries, it’s our goal just to find you what are the best available options for a successful retirement. So you know, we don’t care what it is, if it’s the bond, great if it’s a CD, perfect, but we just have to find the right safe place, the right option, the right mix. And really the annuities are at this point, the best place for safety.

 

Cynthia de Fazio 17:30

Gentlemen, thank you both so much. Excellent response to that question. Neil, you are next. This is a caller from Butler, they would like to know, I’m 92. And I want to invest some of my money with a company that has a bond fund where they buy and sell bonds, and you receive a share of the return, that they are able to reduce produce, not reduce produce. I’m sure there are hundreds of companies that do that. But what has your experience been?

 

Neil Mager 17:55

Wow, that’s a really interesting question.

 

Brian Quaranta 17:57

Considering we were just talking about,

 

Neil Mager 18:01

yeah, 92 years old, I think, you know, you have the right frame of mind, you want to be in a very conservative investment. Right? You’re 92 You don’t want to deal with a 30-40 % stock market loss? Because, you know, as Brian had mentioned earlier, you’re dealing with time, right? You know, so you don’t know when exactly you will need that money. So now is a bond going to be the best option for you? Maybe/Maybe not, I mean, we just talked about how low the bond yields are. And oftentimes, too, you know, there’s that interest rate risk. So as interest rate goes up, your bond price goes down. So once again, you could be dealing with needing to pull your money out, and you could be facing a loss. So I would just say, find a good local fiduciary to help you make the right decisions for you, at the age that you are.

 

Cynthia de Fazio 18:46

And that’s a very important point working with a fiduciary because obviously, you’re putting your client’s needs above anything else. And that’s a beautiful standard that you follow.

 

Brian Quaranta 18:55

Well, by law, we have to right because that is the fiduciary standard that we adhere to there’s a special license, that you get to make sure that you have the ability to do what’s in the client’s best interest. You know, and you hope that every advisor does what’s in the client’s best interest. Right. But the fiduciary has a responsibility to do it just a little bit of a different higher level than that. So not everyone is a fiduciary. Not everybody has a fiduciary task, but there’s great advisors out there that are not fiduciaries, but it is important today’s environment to probably work with one.

 

Cynthia de Fazio 19:27

Absolutely, I agree. Well, Brian, I know you have a special offer to present to the viewers at home. Let’s go ahead and talk about that and then reopen the phone lines.

 

Brian Quaranta 19:34

Yeah, folks, you know, the number one question Neil and I will get a lot of times at the office is are we on the right track? Are we doing the right things? And a lot of times we’ll hear things along the lines, they’ll say, Look, I’m at a point in my life where I want to get ready to retire, the only sources of income that we’re going to have they’re going to be guaranteed is going to be social security. It’s not going to be enough for us to live off of we’re going to need to create a pension. But the only thing we have as a 401k You know, in the 401k is not a pension but yeah have to learn the strategies and techniques to create a pension with it. We’ll also hear that people will say, we’re at a point in our life, we can’t afford to take another big market loss. If this is you take advantage of our portfolio analysis. Learn how to generate cash flow from your investments. Learn how to maximize your returns while reducing your risk. Learn how to lower your fees, take your money without potentially running out of it. But you’ve got to do your part. You’ve got to pick up the phone call 1-888-382-1298 to get your complimentary portfolio analysis today.

 

Cynthia de Fazio 20:31

Brian, thank you so much, Neil, thank you so much to the viewers at home. The phone number to call is on your screen. That number is 888-382-1298. We know you have a lot of questions about how to retire with confidence how to retire comfortably. Brian and Neil are offering you the opportunity to have a complimentary consultation with them. Now don’t go anywhere. When we come back, we have time for a few more viewer questions. And again, it could be yours. Stay tuned.

 

Break 20:55

That’s it a good saver you’ve been putting away money during your working years. Studies find that the biggest fear of retirees is running out of money. Market volatility isn’t just the downward movement of stock prices. It’s the size and frequency of change. The more dramatic the ups and downs, the higher the volatility. This can put savers who are newly retired or a few years away from being retired at greater risk. Today’s generation of retirees is not receiving traditional pensions as our parents or grandparents did. Instead, we have retirement accounts such as 401K’s or 403 B’s. These accounts typically expose your money to market risk. The last thing you want right before retirement is to lose a portion of the money you need for income. But how do you turn these accounts into a retirement income? Is it safe to keep all your retirement money sitting in the stock market. The last thing you want is to lose a portion of the money you need for income due to market loss. By working with a financial professional, you can learn how to turn a portion of your savings into an income stream for life and income for the life of your spouse if you’re married. We all have moments in our lives when we wish we had taken action sooner. Don’t let procrastination rain on your retirement parade. Act now before it’s too late. Please call our office to set up your no cost no obligation retirement income review today.

 

Cynthia de Fazio 22:19

And welcome back to Retirement You TV. My name is Cynthia De Fazio. I’m joined today by Brian Quaranta. He is president and founder of secure money advisors, as well as Neil Mager senior investment advisor, gentlemen, a great show we’re having today. I love the viewer questions. So, Brian, I think you’re up next. Are you ready? I’m ready. This is a great call. This is Darrell in Butler. And he would like to know this, Brian, I’m 62. And I was planning to work for another four years before retiring. However, my job is wearing me down and I’m not happy there anymore. So, I’m tempted to just quit and start taking Social Security now that I’m eligible and then work a low stress part time job somewhere. Have you seen people do this successfully?

 

Brian Quaranta 23:00

We call it the hybrid retirement, we see it all the time. And you know, and it’s Can you can successfully get that done. Because a lot of times you might have somebody that wants to retire at 62, they still want to stay a little bit active. Now you got to be careful, because social security is going to cap you on how much you can earn before they start penalizing you $1 For every $2 you make. I think the current is 18,600- is the current cap that you can make if you’re if you’re retired at 62 and collecting Social Security. But it’s a very successful strategy, it can be done very, very well. As long as you get the organization or the cash flow sources the right way you understand how Social Security works and the thresholds that they have in place. It should be great.

 

Cynthia de Fazio 23:41

Absolutely, Brian, thank you so much.

 

Neil Mager 23:42

It’s really amazing how many people we hear that from Yeah, because you know, people always have this kind of end date in mind of when they’re going to decide to retire. But what happens typically is, you know, the company is changing a lot. Maybe they’re eliminating positions, or ship three, three different jobs. And so, they’re just wearing out sooner. And so, you know, we have to continue to adjust the plans that we built for folks because of those early retirement dates.

 

Brian Quaranta 24:10

I think also, I think also too, you know, a lot of times, you know, what we’re able to do is show somebody actually how to exit earlier than what they anticipated. So, a lot of times once they know that they can exit, they feel, you know, they feel that they’re in a position of strength now, meaning they can walk in any day and just say I’m done. And that’s the power of figuring out your numbers. Right. I think that actually relieves a lot of stress.

 

Neil Mager 24:31

that actually relieves a lot of stress. And it makes them work maybe a little bit longer, right? Because they feel like they’re in the position of power now. Yes. Forced to go into work at any time. So, you know what, this is just becoming ridiculous next month. I’m not, I’m no longer showing up.

 

Brian Quaranta 24:49

Yeah, we’ve had we’ve had a number of clients over the years where we’ll build out a plan for them. And you know, maybe we show them a retirement at 62. But their real retirement date maybe isn’t gonna be until 66 and within a year of us working with them, they’ll come back, and they’ll say, I’m gonna go at 62. I’m done, because we show them the numbers. And so, they feel, you know, they feel empowered to be able to say, you know, I’m done. And there’s nothing better than being empowered with your own numbers. And knowing where you stand. Unfortunately, I would say, with majority people, 70 80% of people we meet, maybe more than that really don’t understand where they stand mathematically. And they don’t understand what their portfolio actually needs to do in order to get them retired, you know, and there’s fundamentals that need to be followed, one of the things that we talked about a lot are the different buckets of money that you need to have. But more importantly, the way you reverse engineer it is you’ve got to figure out what your rate of return needs to be once you can figure out what your rate of return needs to be. And there’s three rates we look at, there’s a spend down rate, a preservation rate and a legacy rate, which we’ll talk about when you come to the office for your portfolio analysis. But those rates are important, because that drives the risk of the portfolio.

 

Cynthia de Fazio 25:59

Sure, sure. That makes sense. Brian, thank you so much. Neil, this is a great question for you, Neil. “The whole idea, (from Mount Lebanon by the way) the whole idea of not working anymore makes me really nervous about our financial future. I’ve worked for over 50 years, and I can’t imagine just stopping, how can I know that the resources I have accumulated will meet our needs for the rest of our lives?” We have a minute and 40 seconds left?

 

Neil Mager 26:22

Yeah, great question. I think that’s, you know, to Brian’s point on what he was just speaking about, you know, a lot of people have no idea where the where they stand, what that money that they’ve accumulated over the years can produce for them, until they really get that peace of mind by coming in sitting down, seeing what it can do. Even utilizing, you know, we use pretty low rates of return when we show our numbers because we want to look at what happens if it really didn’t do well. What happens if the market was really volatile what happens on those types of things. So, when they see that really gives you peace of mind, but I get it. I mean, after working for 50 years, all of a sudden you’re used to accumulating and now you’re in distribution, that can be pretty tough for people, I think so. That’s the main reason that you really want to have a plan in place.

 

Brian Quaranta 27:08

Yeah, we always say let’s make bad things happen on paper. Let’s look at worst case scenario and expect the best.

 

Cynthia de Fazio 27:13

Absolutely, that makes perfect sense. Well, Brian, we have about 40 seconds left of the show anything you want to impart to the viewers at home before we close,

 

Brian Quaranta 27:21

folks, if you want to know if you’re on the right track, which most people do and if you’re not on the right track, it’s probably better you know that now than later. But call in for your portfolio analysis. 1-888-382-1298 It’s complimentary. We’ve seen other people charge up to $1,000 or more for similar features or offers we’re going to do a complimentary the risk is on us you just need to dial 1 (888) 382-1298

 

Cynthia de Fazio 27:43

Gentlemen, thank you for another amazing show this week to the viewers at home. Thank you for the viewer questions. Please keep those coming. Be safe. Be happy, be blessed. We’re gonna see you back here one week from today. Same time, same location. Take care.