TRANSCRIPT FOR THE DECEMBER 24, 2016 “ON THE MONEY” SHOW

Hosts: Nancy Hecht, CFP®, AIF® and Joe Bert, CFP®, AIF®

Welcome to On the Money, your new 96.5 WDBO, this is the show that talks about your money! Financial planning and investment management plus today we got two special topics, a Social Security change they’re predicting and consider these financial New Year’s resolutions. If you’ve got questions right now about your money, 844-220-0965. Again, that number is 844-220-0965, or you could always text us your questions at 21232. And here’s your host, from Certified Financial Planning Group, Joe Bert and Nancy Hecht!

Good morning, Laurel!

Good morning!

Glad you’re with us this morning. Once again, Nancy and I are here for those that may be new to the show, to answer any question that might be on your mind regarding your personal finances. As we like to say, we go through life trying some of this, trying some of that, and reach the age of 50, 55 and have retirement staring us in the face, realize what we have is a collection of financial accidents. So we’re here to kind of act as your financial body shop, to fix those dents and bruises and scrapes that you might have incurred over your working lifetime and to answer questions that you might have about stocks and bonds and your IRA and 401(k), and reverse mortgages and annuities and life insurance, real estate, all that and more, Nancy and I are here to take your calls. So we’re live this morning as opposed to some of our previous shows. Nancy and I are here live to take those calls, so pick up the phone and dial 844-220-0965. That’s 844-220-0965. Or you can text us at 21232. That’s 21232, and the good news for you is that there’s absolutely nobody in line, so if you have anything that’s been on your mind regarding your personal finances, and the good news is that you don’t even have to use your real name, so if you’re Jack or Daphne or somebody out there and don’t want to use your real name, just pick up the phone and dial those numbers and pretend you’re somebody else. So we are here.

Unless, of course, you have an extremely distinctive voice. Then it makes it a little bit difficult.

We can fix those–

Use your pseudonym.

So we’re going to take your calls and answer anything that might be on your mind, and I know that Nancy has a couple of hot topics that she picked out this week. Nancy, what’s the first on the list?

Well, Dave was just telling us that he’s in that sweet spot of Social Security where he’s reached full retirement age so he’s getting his full benefits and he can work and earn as much as he wants–

Happy birthday, Dave Wahl!

— which is wonderful. You know, there’s been a lot of concerns about changes with the Social Security system and a big worry is when is the trust fund supposed to run out of money? And it’s predicted to run out of money in 2033, and March of last year the retirement portion was covering not only the retirees but the disability, Social Security disability, so it was covering two different pots. So unless some changes are made, we could really be running into problems. So one of the things I thought was going to change has changed, and starting next year the ceiling as to how much is taxed for Social Security has been raised. Previously up until next week if you earn $118,000, 118,500 is all that is taxed for Social Security. Anything you earn above that, there is no FICA tax deduction. So next year that’s going to go up to 127,200. That’s a 6.8% increase.

So if you’re earning that much money everything over that is free of Social Security taxes.

You don’t hit the FICA– no longer being taxed, until you hit $127,300. So, but that will help keep the Social Security pot running for a while and then it is predicted that there’ll be enough people paying in that as soon as the payment comes in it should be enough to cover out —

Plus postage.

Right. So well it’s direct deposit so there’s no place to — I think the next thing that needs to be changed is right now if you choose to defer and not take your Social Security at full retirement age you can defer to age 70. And everybody who does that gets an 8% credit, which I think is crazy.

It’s not crazy, it’s a wonderful thing!

Well it is a wonderful thing. However, if it’s lowered to, say, 6%, or 5%, which is still an awful nice guarantee in today’s world, it will do a lot to allow the trust fund to go a few years longer and still give people a nice guaranteed credit for deferring their Social Security.

That’s an option. The other option, of course, is to push the retirement age out, and–

Which has been happening already.

Yes, it has.

And when we all started, I think full retirement age was still at 65. Are we now at 66 and 10 months, and for people younger than me it’s a little bit — going to be 67. So I mean, that’s two years, it doesn’t sound like much, you know, if that’s your only source of income it is a lot of time. But it can make a huge amount of difference when it comes to building up the trust fund for Social Security.

Which we need to do. We’ve got a call here from John on line one; John wants to talk about E bonds. Good morning, John!

Good morning, how are you today?

Doing great, how are you?

Good. Had a question; it’s probably more of a tax deduction question but it is an investment question, but I have some series EE bonds, I have two older children in college and they meet all the qualifications for the tax deduction but I wanted to ask is it double dipping, or am I able to deduct the interest earned on the series EE bonds as well as taking the earned — the education discount on my taxes as well.

I’m not sure how you’re going to defer the interest earned.

Yeah, you have deferred the interest earned over all the years that you held the bond, when you cash in the bonds the interest becomes taxable. It could be offset by the education credits.

Okay, but can I also deduct the education expenses or is that double dipping or can I do both?

Deduct the educational expenses?

Deduct the — well, that’s better than taking the deferred interest on the bonds–

There are certain education credits– I mean, certain education expenses for higher education that potentially can be deductible for people, and that’s what he’s asking, so but that is a separate issue from the interest on the bonds.

Well, yeah, and I guess that’s my question, can I do both, or can I not do both?

Well, I think a lot is going to be dependent on what your adjusted gross income is, as to how much will be deductible or not, but really you have a tax professional that you use?

Yeah, and I asked my — well, I have a CPA that I use for my taxes and they seemed to think it was — it would be double dipping so that I couldn’t do both.

Right, right.

But it just seemed like they weren’t 100% sure about that because I don’t think they’ve been asked that before by anybody else.

Well, you go on IRS.gov, there’s a lot of good plain English information on the website, and you can search specific questions and then you’ll get a ton, a ton, of answers on IRS.gov, to look through and sift through to find the proper questions, but–

Yeah, I guess I found out where it looks like I can do both of them, I can do either of them but I don’t know that I can do both of them.

Yeah.

Are the bonds in your name, John?

Yeah, there in mine and my wife’s name, and I’ve looked it up and they do meet all the qualifications, they’re within the right years, and we own them instead of our kids, so they qualify for that deduction but like I said I don’t know if I could- what’s better, to take the interest — take the interest free because they’re qualifying bonds or if I should just take the tax deduction from the qualifying educational expenses or if I could do both.

Well, if you have to do an either/or, I am certainly in favor of whichever’s going to give you the largest deduction. So if it’s going to be the education expenses versus the interests then that’s what you’re going to go for.

I like your strategy but I’m not sure you can double-dip. That’s the —

That’s the <Inaudible>.

Yeah.

Yeah, that’s the thing, I just– you usually can’t double-dip, but I was wondering if the circumstance because it is two totally separate things, one’s in a — you know, it’s trying to get the interest free bonds for the education expense and the other one, the educational expenses you’d be just deducting your total AGI.

Well, another option that you have, John, if you’re doing some research and maybe not potentially getting a clear answer is maybe put them both through and keep copious records in case you do get audited.

And your fingers crossed.

Yeah.

Right. All right. Well, thank you very much for your help.

Sorry we couldn’t be more specific help to you, but–

As long as you have documentation, if you do get audited, which we did, and it was specifically in reference to our health care deductions, it’s not that bad of a process, as long as you have all your documentation. So–

Absolutely.

Well, thank you very much.

All right, John, thank you for the call.

Have a happy holiday!

All right, lines are open for you once again, 844-220-0965. That’s 844-220-0965 or you can text us at 21232. That’s 21232. We’re here for you.

It hasn’t been that long since we’ve done the whole educational expense thing.

Oh, for you.

I’ve wiped it from my brain.

<Inaudible> that’s over, huh?

It’s only been slightly more than a year, but and the expenses were tremendous for nursing school.

And they’re getting more tremendous.

Yeah, they are. People planning for higher education is — if anybody can do pre-paid, or you can do a 529 it’s a phenomenal thing, I’ve gotten the number of people with the holiday season approaching, asking what type of account they can set up as a gift for their grandchildren or the holidays. And I think it’s wonderful, no matter what you would do for your children or your grandchildren no matter how small it is. In the form of a gift, to help offset some of the costs for higher education. It is a huge gift and can be a relief.

One of the things I think we’ll see in years to come is that more and more people are going to be doing online educations, this four-year going away to school and spending $50,000 a year I think is going to go by way of the boards because you can get a great education online today.

Well, I had lunch with a friend yesterday whose daughter’s in nursing school in south Florida, and she has three of her classes online, and she’s at one of the state colleges. So — And I know, it’s getting harder and harder to get actual — to get a seat in a class.

We got to break here, Lauren tells me, so Lauren, take it away!

All righty, you got questions, we got answers about your money and investment planning, financial planning, 844-220-0965, 844-220-0965, or text us at 21232.

<Inaudible> are wondering if it could happen here next. Obviously something that can continue. We’re keeping you updated on the effort to protect the homeland and following every development around the world. This is where Orlando turns first for breaking news. News 96.5, WDBO.

Welcome back! Thanks for listening to On the Money, right here on News 96.5 WDBO, the show that helps you with your money, financial planning, investment management, Social Security, 401(k), retirements, if you got questions we got answers. 844-220-0965. Again, that number, 844-220-0965, or you could always text us at 21232. I’m here with Joe Bert and Nancy Hecht and we said we’ve got a couple of more answers for John, our previous caller, right?

Right, John, after doing a little bit more research on your questions it appears that you cannot doubledip according to the rules here. It says that any expense used in figuring the American opportunities and lifetime learning credits can be reduced because it’s by whatever that — in other words let me back up. The credits can be used however, you can’t use the tax free income from the bonds to pay it twice. So your ability to take that deduction, or to use that tax free income, is going to be reduced by whatever credit you use, to make it simple.

The bottom line is you can’t double-dip, so I probably confused you even more. But the bottom line is, you can’t double-dip.

All right. Ruth! We got a call here on line one, Ruth has a question regarding 401(k) and multiple jobs. Good morning, Ruth.

Yes, hi! Good morning!

Good morning. What’s your question?

My question is I’ve worked several different jobs and so I have like 401(k)s in all of them and I guess I didn’t think about it, I left and then without thinking about the 401(k)s but now that I’m like getting older and I’m like wait a minute, I have this money, and so– and I needed them to kind of like be all together all at once so that I could know where they are and control them, and so but when I call when I’m trying to reach my– the first one, we should about on I would say over 10 years ago, and they don’t know where the money is because they gave me different information. They said it was in LifeMed, and I called them, they don’t know, and they’re like, oh, we don’t know, we don’t have it, and so nobody knows anything and that money, and I’ve worked there for like five years, over five years, and I don’t know how to get ahold of that and have to get all this money together.

Ruth, do you happen to have an old statement from that 401(k)?

I don’t.

Mmmkay. Because generally there’s a provider and you know, we see various different insurance companies, the Hartford, Voya, or investment companies such as Fidelity or VALIC or a number of different companies that are providers of 401(k)s and your company works through them. So if you can dig up an old statement and see who actually is holding the funds that you’ve deposited, then that’s who you would want to contact and what you want to do to consolidate all your old 401(k)s is you want to establish a rollover IRA, and then have the funds transferred directly from your old 401(k)s to that rollover IRA, you don’t want the funds coming to you at all. And then you avoid a 20% tax penalty.

Oh, okay.

This is a classic case of not keeping track of your statements and just leaving jobs and moving on, and you’ve probably moved several times, right?

I did, yes.

And the paperwork never kept up with you, so they probably sent you the statements.

Do you have friends that still work for that company?

I do, I do.

So, if one of your friends is participating in the 401(k) I was going to look on the statement and see who the 401(k) provider is.

Oh, that’s an idea. Yes. Okay.

And then you’ll know where to contact. There should be an 800 or some iteration of an 800 number to call, and there’s basic information you’ll have to give ’em, name, soc, date of birth, identifying information.

Okay, okay.

It’ll take a little bit of detective work but you should be able to find out who’s holding your money.

Yes, uh, that’s right. Thank you so much.

All right, Ruth. Thanks for the call. Another call here on line two, Steven! A question regarding retirement age. Good morning, Steve.

Good morning, how you guys doing?

Great, how can we help you?

I’ve reached full retirement age, January the 8th, and I make all I want, or is that a <Inaudible>?

You can make all you want, in fact, Dave Wahl stopped in here at the break and was rejoicing at the fact that he can now make all he wants too and not be penalized, or give some of that Social Security back. Yes, sir.

And Steve, what is full retirement age for you?

66.

And you still intend on working beyond that.

Yes ma’am but I was wondering if that eight days into that year was going to mess me up.

Working the eight– Oh. No. No. You’re going to–

I turn 66 on January the 8th.

It’s prorated. You’re going to be okay.

Oh okay. Cool. All right. Goodbye.

Steve, Steve, Steve, hold it, Steve, you still there?

Yes sir.

Do you need the Social Security to pay your bills, or you just want it coming in?

It would be nice, I got some things I’d like to do with it.

I understand, I understand. One of the things that many people aren’t aware of is if you defer collecting your Social Security for every year you defer your benefit is guaranteed to increase by 8% per year. So if you wait until you’re 70, it’s guaranteed to have a 32% increase in whatever your benefit is, which is huge. And are you married?

No sir.

Well, depending on your health, depending on your personal circumstances, you may want to consider deferred. It’s what we call deferred credit. In fact, Nancy and Denise are going to have a workshop on that coming up. We’ll give you more details here after the break.

All righty, if you got questions, we still got half an hour to answer them. About your money, what you’re doing with that money, 401(k)s, investing it, Social Security, retirement, stocks and bonds, 844-220-0965. Again, 844-220-0965, or text us 21232. This is On the Money, on News 96.5, WDBO.

Welcome back, you’re listening to On the Money right here on News 96.5 WDBO, we’re here for you, answering your questions about your money because 401(k)s, Social Security, retirement, that can be confusing. But we’re here to help! 844 So, we’re here to help 844-220-0965. Again, 844-220-0965. You can always text us your question, text those questions to 21232. I’m here with certified financial group, Joe Bird and Nancy Heck, and guy’s we got a couple callers on the line.

We do. Let’s talk to Nancy.

Let’s get to them.

Nancy, has a question regarding retirement 401ks. How can we help you?

Yes, hi. I was actually — I had a few questions. My husband is 75, and unfortunately has to still work so we can use the Social Security money to pay bills until we get to a retirement place that we have put ourself in line for. In the meantime, he’s got the IRA — or I have an IRA, but it’s a traditional. I didn’t know if I should move it into something else right now, or not? A lot of these small income places <?> usually like to tell you that they hold your monies that you have in the account, or IRAs, or 401ks as investments, and we’re considered we make too much on a lot of them. But, there is one that <Inaudible> a couple of years out the line, but in the meantime he’s still working. So, what should I do with my IRA, if it’s a traditional? And, is there a difference in that one with the Roth IRA, and is there something I should do? Take some of it out? I mean it’s not — we’ve not been fortunate enough to be able to put money into it, so it’s just doing it’s own thing, in shall we say a B category. I don’t understand a lot of that.

Okay, so Nancy, the — your concern is having too much money for where you’re going to be moving to eventually.

No, the place we’re going to be moving to will have the money, I just didn’t know — and we’re accepted, so the place that actually has us in line, but if there’s another place that we — because there’s a lot of them that just said you make too much money, you know. So, we have to stay where we’re at, but I’d like to retire my husband and have him give up his job, which is 14 — or I’ll probably — if you look at 1,400 every two weeks, that’s 2,800/2,900 a month. So, we need to give up that income for him to actually retire. We would be going on his Social Security and my disability check.

So, you said your IRA is invested in a B class.

Yeah, it’s under Wells Fargo, and they keep sending me these new information’s. It’s — I know I have — the one that I look at — it’s just — I guess they have different pieces of the pie, I don’t understand it that much.

You seem to have a lot of questions, so my question for you is, have you ever met with somebody as — like a certificated financial planner, to do an overall holistic review of what you have, explaining to you the investments that you have, somebody who is independent of where you purchased the retirement accounts. And look at what your risk tolerance is and your needs are, to see can there be maybe some re-allocation that would better suit your needs.

Okay, and that’s on that one. No, I haven’t. I don’t know how to look for one in Orlando, Florida, on that note. Do I just call around? I mean, I don’t know who — because when you call them, of course they want you to keep the money with them, and that’s really no help.

Yeah, no, if you just need a financial plan and some analysis on your investment, then any good decent certificated financial planner will do that for a fee, they’ll charge for their time or a flat fee for providing service for you. This is one of the services that our firm provides. There is a financial planning association of central Florida. We’re in Altamonte Springs. If Altamonte is a hardship for you <Inaudible>

It’s not too far, we can make an appointment and drive out. What’s the name of it?

We are Certified Financial Group. And, our web address is FinacialGroup.com. Our office —

I don’t have a computer.

Okay, let me give you our phone number, it’s 407-869-9800. Our offices are closed on Monday, of this week.

Oh, of course, it’s Christmas.

Yeah, right. So, but, 8:30 to —

But, it is financial — Certified Financial Group.

Group, right.

407-869-9800.

Then, I did have one other quick question on one, because they sent him a — for his 401k, he’s still working, and I guess the letter says disregard this over 70 and a half, IRS requirement, if he’s still working. So, I’m sure that we’ll be, like, within one or two years. The place will probably call us, so I don’t know what we do with that at the moment.

You do nothing.

Yeah.

Nancy, you do nothing. As long as he’s working and he’s in the 5% <?> shareholder in the business, then he can continue to defer his 401k money. And, if he has an IRA — does he have an IRA outside of the 401k?

No, he does not. But, whenever we do retire, him from his job, will have to do something with this and I don’t know what to do with that. I want him to be able to get something. He doesn’t understand. I hardly understand it, but he definitely is not, shall we say, computer or anything savvy to do — because I want him to be able to, if God forbid take me away, do something or know how to do something with funds, the next step with that. Then, he also gets a retirement from local 338, a union up north where he works with grocery stores. So, he’s getting that every month. We’re not taking taxes out of anything, because we take taxes out of his paycheck. We’re only working with the senior places who help us, which I guess they had worked with the IRS, so they’re real good at knowing the laws, temporarily.

Well, that’s wonderful Nancy. So, give us a call and have a very, merry Christmas.

Well, you guys do the same, merry, merry Christmas to you and be safe.

Thank you, Nancy.

Thank you.

Hope you have wonderful — we’ll give you a call and make an appointment.

Thanks for the call. Alright, line one, Colin has a question regarding Social Security. Colin, how can we help you?

<Inaudible>, how are you guys?

Good.

Listen, I retired in 1994, and I grew a nice pension. <Inaudible> companies do not pay Social Security, and I worked for that company for 23 years. So, I have now worked another 23 years at another organization, and I received <Inaudible> retirement. So, I am 66 and I’m getting ready to <Inaudible> full retirement, and I find out I’m under the windfall <?> act. So, under the windfall act, it’s just <Inaudible> as much Social Security as everybody else would because I didn’t pay for 20 years. And, I get that. So, Ronald Reagan did me a favor there, I guess. So, I guess the big question for you is, I have not selected <?> Social Security, will I — every year that I <Inaudible> Social Security, mine will go up 5%. Every year that I make substantial contributions, which I’m still working, I’ll get another 5% or not, Social Security. I’ve called Social Security three times and I went through it extensively with them, went through all their programs and each person told me different answers.

Of course.

Not surprising.

Yeah, that wasn’t really a surprise, and after the first one I knew something was wrong. Now, the question to you is, you keep talking about this 8%. Does that effect me, the same as it does everyone else? <Inaudible> deferred my Social Security under the windfall act, does that effect me the same?

Are you entitled to the full 8% credit because you fall under windfall act?

Yeah, well everybody <Inaudible> that, and I understand that because we’re earning that interest every year.

Right. See, your question is, do you get the 8% because you fall under the windfall act?

That’s correct.

I don’t know the answer to that.

Now, I don’t either, but I want to say yes. But, I can do some homework for you next week, if you want to contact me at the office.

Okay, I can definitely do that. I have done a lot of homework, not savvy but I’m not illiterate either for doing that.

<Inaudible> have been a lot of changes.

Colin, my guy <Inaudible> — Colin, my gut tells me that you probably are eligible on that, but I would not bet money on it.

That’s what I think also. I think the windfall act is irrespective of deferring beyond full retirement age. But, I would want to confirm.

So, give me a call next week Colin, and we’ll be glad to help you. Our number is 407-869-9800. That’s, 407-869-9800. Just ask for Nancy and she’ll do some research for you.

If you have the ability to e-mail me the questions, so I can do a little bit of homework before you call, my e-mail address is Nancy@FinancialGroup.com.

At FinancialGroup.com? Yeah, I’ll go ahead and push that in there because I can attach a couple charts that I’ve already found.

Alright, that’d be great.

It doesn’t seem like it effects a lot of people until you look around you, there’s a ton of us out here like that.

But it’s a great question, thank you for calling.

If any of our listeners have had experience with that, please be sure to call in because we would like to educate Colin, that’s 844-220-0965. We have a line wide open for you if you have any questions regarding your personal finances. We’ve talked about your stocks, bonds, mutual funds and IRAs, and 401ks, or reverse mortgages, annuities, life insurance, all that and more. Nancy and I are here to take your call. So once again, 844-220-0965, 884-220-0965. Or you can text us at 21232, that’s 21232. Nancy you got another topic here.

I did, I did. We’re getting into — well, tonight is the first night of Hanukah , and it’s Christmas even, so it’s a big special time for a lot of people. Right around the corner is new years eve, so I have a few new years financial resolutions. I know some people regularly make new years revolutions, some people avoid them like the plague. However, my number one financial new years financial resolutions for you is to build an emergency fund. This is the <Inaudible> of the stock fund, this is money that is touched only in case of emergency, car accident, hurricane comes through, you have some storm damage, medical emergency, that is what an emergency fund is for. This is not short-term savings, this is not retirement savings, it’s <Inaudible> of the stock for an emergency. Everybody has different attitudes about how much you should save, three to six months worth of expenses, it has to be an amount that’s comfortable for you, but generally I’d like to look at replacing your income for at least three months for an emergency fund. If you have the opportunity to cut down on your debt, you should make that a priority. If you’re somebody who carries revolving credit, look at the interest rates that you’re paying and the tax the highest interest rate one <?>, and then just keep knocking down, knocking down debt as far as a car loan or a mortgage. I understand not being able to pre-pay or accelerate that for some people, but looking at student loans, revolving credit, the consumer kind of debt. If you can get rid of that and wipe that off the slate for 2017, it’ll make such a world of difference going forward for that. Are you contributing the fullest extent that you comfortably can to your retirement plan? I had somebody ask me a question yesterday, they’re new on the job, there’s a 401k, there’s no match, so why should they contribute. Anything you can put into your 401k is money that’s going into your pocket, as opposed to money that you’re paying for federal income taxes. You’re saving pre-tax through any type of 401k, 403b, it’s whole dollars that you are putting aside for your retirement. So, everything that you can comfortably do for yourself for retirement, you should do. Something that we had discussed with Nancy earlier, was doing a little bit of a review and analysis on investments. It’s important that you do this at least annually. I like to meet with my clients at least every six months, but things change. Things change in the economy, things change in your life’s, things change with the various different mutual funds that you’re participating in. So, doing a review of your portfolio and making sure that it’s keeping pace with your risk tolerances, your lifestyle changes, is something that’s really, really important. You have to think long-term. I mean, a lot of people will look at — we’ve been talking to a number of people that are at full retirement age right now, which is wonderful. But just because you’re 66 or 67, or we spoke to the one woman who’s husband is 75, I’m using 90 for life expectancy. So most people are looking at 20, 25, 30 years into retirement, you can spend almost as much time in retirement as you are spending in your working life. So, here are just some financial resolutions for you to think about for 2017.

Alright, we’re going to take a break.

Thank you for listening to On The Money right here on news 96.5, WB <Inaudible>. This was our last segment, but we are back every Saturday at 9:00am answering your money, your investment financial questions. Arighty, guys, go ahead and take it back.

We are here, and we have a text here, kind of broke off, but the question was regarding earning money when you’re before your full retirement age, and having the offset of having to give $1 back for every two that you earn over the threshold amount, which is 15,000 in change. The question is, please clarify about the retirement. I turn 66, which is my full retirement, in August of this year. So does that mean that I cannot make as much as I can in — and then it ran out because he ran out of space. So there is a provision.

Yes there is. So, in the year that you reach full retirement age, there is an offset. I cannot remember exactly what the figure is, but I do have it in the office. So, whoever sent this text, if they want to e-mail me, Nancy@FinancialGroup.com, and ask the full question, I do have an answer for you. But, I don’t want to give you an incorrect answer, and it really depends on what month in the year that you turn and how much the offset is. So, yes, I have an answer, but not at my fingertips.

Yeah, so it’s pro-rated based on how much you’ve worked and what month in the year you take that Social Security. So, call Nancy or give her an e-mail at Nancy@FinancialGroup.com, or you can reach her at, 407-869-9800. We have a workshop coming up here on January the 7th.

Yes, we do.

And, we have one on —

January 19th.

January 19th, and it’s on our website, there with FinancialGroup.com. Nancy’s doing one on Social Security, and we have Know Your Retirement number, the money you’ll need when you retire. So, get more information about that at our website, that’s FinancialGroup.com, FinancialGroup.com. Just click on workshops, you can make a reservation right there online. We look forward to seeing you at our office in Altamonte Springs, and a merry Christmas to all our listeners —

— and Happy Hanukah to our listeners, and Cindy will take your call off the air.

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