Hosts: Roger Johnson, CFP®, AIF® and Nancy Hecht, CFP®, AIF®
Good morning Central Florida, this is another edition of On the Money with the Certified Financial Group. Today we have Roger Johnson and Nancy Hecht in the studio. How are you guys this morning.
Filling in for Joe Bert.
It seems like it’s been half a year since I’ve been here.
Well, it’s just so much has happened in the last month.
Well, that’s true. We had the hurricane September, and then October. Well, when was the last time you were here.
Well, it was — I don’t know. It’s been ages.
Been a while, alright.
We got pre-empted twice because of the hurricane.
Well, you filled in a lot in the beginning of the year. You did a lot of the running <?> to work in March and April, you were here like every other week.
<Inaudible> you got a break, yeah.
I like talking to the listeners. It’s always a challenge and interesting, because we have no idea what people are going to ask.
Well, that’s the fun part.
Yes it is.
So let’s open up the phone lines. 844-220-0965. 844-220-0965. We’ll also open the text lines while we’re at it, 21232, it’s 21232. Alright, since Joe’s not here, Nancy, Roger, who wants to do the honors of saying what can we call you about today.
Well, what are we here for. We’re here to answer your questions about your finances. We’re not debt consolidators, but we’ll talk about saving for retirement, stocks, bonds, mutual funds, real estate, IRAs, 401ks, Social Security, DROP programs, annuities, health savings account, reverse mortgages. All those and more, as Joe would say, we will be here to talk to you about. As he also does say, during the week we charge a fee and on weekends we do it for free. Of course during the week, we also do complimentary consultations. So if you have any questions you’d like to call us about, we’d be happy to talk to you over the air about, or if you have some questions you are — a little bit more in-depth conversation, feel free to contact us through financialgroup.com and ask for a complimentary consultation. You’ll get to speak with one of the certified financial planners at Certified Financial Group. We will take your best interest in mind and try to guide you through some of the questions and concerns you have for retirement. We are here, phone lines are open. We even have that text messaging thing.
Yes, text messaging thing. It’s 21232, but you say you can dial these magic numbers, and that’s fun <Inaudible>. I was hoping you would say <Inaudible>. 844-220-0965. 844-220-0965. Again, the text as well, 21232, that’s 21232. If you do have a text question, we ask you to keep it to 160 characters. That’s all we can see per line on our display here in the studio. If you have something, may have a follow-up, that’s what the phone lines are for. 844-220-0965. Topic of the week here, Nancy, I believe, navigating the three phases of retirement. Or Roger, Roger, okay.
Well, I put some thoughts together on that. We’ve spoken with hundreds of clients over the years, and they prepare for retirement, and they think about, well, what’s my withdrawal strategy. How am I going to pay for retirement. Of course, that’s what we do during our years that we’re working, we’re saving enough. But then we get to that point and we start thinking about, well now we’ve got to take money out of certain aspects of our portfolio and pay for retirement. And really, you think about retirement as maybe three phases: the go-go years, the slow-go years, and maybe the no-go years. What I mean by that is the first few years of retirement, people want to go and do some traveling, spend some money, have fun and knock out their bucket list. Quite often that takes a lot of money, so that’s going to be maybe a higher rate of withdrawal. Then we get a little older, and maybe some health issues, and we tend to stay at home a little bit more and spend less. So that would be maybe the slow-go years.
I like that.
I do like that.
And as we get a little older, we then — you know, we’ve been caring for ourselves in that slow-go period, but then there’s the no-go period we’ll call it where we require assistance from somebody else through our health issues or just unable to take care of <Inaudible> whatever the problem is. We need care from somebody else, and that usually costs money. So, these three phases of retirement, you might think of them as three separate withdrawal strategies, which we talk about with clients. You could think of it as a V-shaped expense. In the early years you’re spending a lot. In the mid years, the slower years you’re maybe not spending as much. But then in the later years, you’re spending a lot mainly for healthcare and services. Just a lot of ways of looking at it, and strategies, and ways that you can take Social Security, how to best take from different accounts, taxable accounts, non-taxable accounts, tax deferred. There’s a — the best strategy based on your income and your separate situation, it’s not an easy answer for everyone. But those are the kind of things that we work with with our clients from dusk to dawn and dawn to dusk.
Alright, well he’s Roger Johnson alongside Nancy Hecht, certified financial planning professionals at Certified Financial Group. We’re taking your phone calls at 844-220-0965. It’s 844-220-0965. Let’s start today’s conversation with Susie in Orlando. Susie, go ahead, you’re on with the Certified Financial Group here on WDBO.
Hi, thank you very much. I had a question about the recent Equifax breach. The question is if somebody has already frozen all their credit reports and they have taken their Social Security number and blocked it electronically, and they don’t do any online financial work, then is it really necessary for a security monitoring service.
Well, it sounds like you’ve pretty much taken care of everything. If somebody has actually — and I assume that you’ve actually done all of that, it does not seem like it’s necessary to pay for an additional service.
Well, there’s an additional worry you have, and I know people close to me that this has happened to, is — and I don’t believe freezing your credit can stop this — is a bad person filing a tax return in your name and applying for a refund if they know you’re going to be getting one, or they think that oh, well that person might make enough money, they might have a — before you file your return, they file one in your place. They receive the — and they claim all sorts of refund, and get the money, and somehow they clear it through whatever methods they clear checks, because it’s going to be made in your name. This is an issue, and it’s not going to affect your credit, but it’s a bigtime hassle. So keeping track of your Social Security number through that — and credit monitoring may or may not even pick that up.
No, it generally does not. I’ve had a couple clients that have been in that situation. And Equifax has been hired to monitor tax returns. That was just —
Oh yeah, well I wouldn’t use Equifax for anything.
No, no, and I think that their credit rating is worthless now. But it sounds to me, Susie, like you’ve covered all the bases yourself. If you want to take advantage of a credit monitoring, there’s a number of them out there like Credit Karma which are free that you can sign up for. But it sounds like you’ve done a good job of protecting yourself.
Okay, thank you.
<Inaudible> and I would still suggest every three or four months, apply for a credit report from each of the three agencies and see what they show up. Those of course once a year are free.
Yeah, the annual free —
Yes, I do those.
Well, good for you, Susie.
You’re very proactive and I think that’s great that you’re doing that.
Because I think that’s just one of the biggest I hear.
Thank you very much.
Have a great day.
Alright, thank you so much Susie for the phone call. If you want Susie’s line, it’s 844-220-0965. 844-220-0965. Let’s got to Butch in Melbourne. Butch, you’re up next with the Certified Financial Group here on WDBO.
Good morning, how are you guys.
We’re good, how about yourself.
I’m doing fine. I’m driving down 95 right now, but I’ve got you on speaker, so no problem.
Good. Keep it under 100 will you, come on. Okay.
Oh yeah, we’re doing well under that. I have a quick question for you. I’m retired military, retired state worker, have a pretty good retirement fund built up, and I’m still paying on a house. I feel like I could get a little more out of that house payment if I was to pay my house off and invest that amount back in the market. What do you think.
Well, I like the idea of getting your house paid off just for because of the fact that you would like to get it paid off. I mean, there can be arguments that either way, don’t pay your house off because of the cheap money out there, it doesn’t pay to pay your house off. But you’ve done a great job apparently of setting yourself up for a good retirement. How old are you Butch.
Okay, so you’re near retirement sounds like, if not already in retirement.
I took an early retirement. I started <Inaudible>.
Butch, my marker is are you still getting a tax benefit from carrying the mortgage.
No, I am not. That’s not the most important <?> <Inaudible>.
Well then, depending on how much it might cut your emergency fund down, or if it’s a matter of just throwing a couple extra payments at the principal to accelerate it, go right ahead and pay it off.
And if Congress passes a new tax law, we don’t know what the future holds, but it may double the exemption and greatly offset any benefit you would have gotten from a deduction for interest, which apparently you don’t really have.
Yeah, but I mean to save that little extra for yourself versus paying it towards the house.
And sleepability. I like to think about that. Some folks are fine sleeping, going to bed at night in retirement, paying a mortgage. Hey, that’s fine if you feel that way. But if you feel comfortable knowing the home’s paid for and everything, they can’t take that away from you kind of thing, then strive to get that thing paid off as soon as you can without dipping into too much IRAs. You don’t want to pay a lot of taxes taking money out of IRAs or 401ks to pay off your —
That’s what I considered, taking 20, 30 out a year and just pay down <Inaudible> it’s only a 15-year note.
As long as you don’t incur a lot of taxes by taking that lump sum out. I’m not really a big favor of that.
I’m not a fan of paying any more in taxes than you absolutely have to.
Just double up payments until it’s out. Put a five year plan into a three year plan.
Be careful on the road, Butch.
<Inaudible> what kind of prediction you guys got for the taxes getting through this year. You think it’ll make it.
I hope. I really, really hope.
It looks like they may finally come through with something, but I wouldn’t guarantee it by any means. Watch out for Washington all the time. They may or may not get this thing done. We’re concerned too as well. We’d like to see something.
Stay tuned, as they say. Well, thank you so much for the phone call. We appreciate you calling in on this Saturday morning. If you’d like Butch’s line, it’s 844-220-0965. 844-220-0965. We’ve got Sally, Rhonda, and Susan, if you would like to be behind them, it’s now the perfect time to get your question in the queue here so we can ask it to Roger Johnson and Nancy Hecht, our certified planning professionals in the Certified Financial Group, 844-220-0965. Now it’s time to get the three big things you need to know.
On a dark desert highway —
Hi, welcome back, this is On the Money with the Certified Financial Group —
— cool wind in my hair —
Here on News 96.5, WDBO. We are four minutes away from the latest news, weather, and traffic with Dave Wall over in the News 96.5 newsroom. Roger Johnson, Nancy Hecht from the Certified Financial Group here taking your phone calls at 844-220-0965. 844-220-0965. Got a busy phone line and a busy text line. We’ll get right back to answering some questions here. Talk to Sally in Orlando. Sally, you’re on the Certified Financial Group here on WDBO.
Hey Sally, how are you.
Fine, thanks. Good morning.
Thanks for calling.
Thank you, quick question. My dad passed away and left some properties in a trust for my mother. We have found out that the tax rate on that trust is 55% on the income. Is a trust the best way to leave assets in this type of manner.
It depends. I mean, there’s a lot that can be done with titling. A trust is put in place to help you avoid probate. Probate in the state of Florida starts at 3%, plus legal fees and a lot of time, believe me, going through it with my mother-in-law who did nothing. But, through titling, for example, you probably have bank accounts that are in your name alone, or joint with a spouse. If you add a transfer on death, payable on death designation to that. If you add a beneficiary designation to any type of investment account that you have, it will avoid probate. <Inaudible> without having to go through the trust rigmarole that you’re going through right now.
Well, the trust transfer was seamless and <Inaudible> less, but the 55% tax rate hurt in the income on the rental. I guess is there anything prepared in the future for that to change, or is that just the way it’s going to be.
We’ve seen very little from the proposed tax law changes right now. Potentially, it would be really nice. There’s been a lot of talk about getting rid of estate tax completely, which might help reduce some of the taxes that your family is being subjected to right now. But until it’s passed and we get an idea if they’re going to be talking seriously about tax reform, we get an idea of what gets proposed, Sally, we can’t answer that question for you.
One more thing: if the real estate, if there is a different way to transfer real estate like through the probate process in the future, I guess you lose the step-up basis that you gain in the trust. But you wouldn’t be subject to the 55% tax rate forever <?>.
Yeah, you do not lose the step-up in basis, no. You do not. So if you own some property and it was deeded in your name alone, and on the deed you put transfer on death to and named your children, your children would still get that step-up in basis. They would avoid probate, and they would avoid the trust taxes, because there is no trust. It’s just passing by title.
Is the property in a different state.
No, it’s here in Orlando.
A lot of time it’s nice to use an estate — some type of a trust when you have property in different states. But there’s a lot of ways to skin a cat here. It sounds like it’s already been done by your dad.
But going forward for yourselves, if you’re going to keep the property, you might want to look at proper titling without the use of a trust so you can avoid probate. You get succession step-up in basis. You preserve all the nice attributes and then avoid that <Inaudible>
Transfer on death is a nice way to go. Alright, Sally, thanks so much for the phone call. We are up against the time for the latest news, weather, and traffic with Dave Wall right here on News 96.5, WDBO. But if you want to get behind Rhonda, Victor, and Dee, give us a phone call right now, 844-220-0965. 844-220-0965. Hey, welcome back. This On the Money with the Certified Financial Group here on News 96.5, WDBO. Roger Johnson, Nancy Hecht, taking your phone calls at 844-220-0965. 844-220-0965. Text machine’s up and running as well, 21232. That’s 21232. Before we get back to our busy phone lines here, Roger, what can you tell the audience about why they can call you on the radio today.
Well, you can call us about anything financial. Stocks, bonds, mutual funds, saving for retirement, those kind of things. That’s what we do during the week and that’s what we’re doing here at the radio. We’ve been doing it for nigh on 20 years, as someone used to say. We love talking to clients and helping them out, figuring out what’s best for them to do. But before we go on, I thought we’d double back on Sally. You may be thinking the estate tax rate of 50, 55, I’m not sure exactly what that is. But if you have a trust and your — I believe your mom is the recipient of that trust, and it’s set up so that it’s a pass-through where any incomes pass through to her, it possibly can be constructed, and maybe it is already constructed so that it’s only at her tax rate. It’s something to look into. I would suggest a professional in the way of an attorney on that. An estate planning attorney would be a great idea. If you need some names or recommendations, feel free to give us a call and we’ll pass on some names to you. Alright, just like that.
Alright, thanks so much Roger. 844-220-0965. Let’s get to Rhonda in Leesburg. Rhonda, thank you for holding on. You’re up next with the Certified Financial Group here on WDBO.
What can we do for you.
Thank you so much for taking my call. I just had a couple of quick questions. I’ve been with Credit Karma for about a year, so I know that I can go through them and lock my credit report. But my husband’s never been signed up with Credit Karma or anything, so how would I go about locking his credit report, and how do we block our Social Security numbers. Because The Equifax thing is really scary.
Okay, so when you’re saying lock your credit report, you actually mean freeze, correct.
Okay, so all you have to do is Google credit freeze, and each of the credit services will come up. It’s just going to take a couple minutes for him to freeze his credit with each one, and they have to be done individually, but it’s really easy to do.
It’s not that hard to undo it if and when you decide you needed to apply for credit or something, you needed your credit unfrozen, it’s a couple of dollars to do so and a couple of days to do it. It’s not the end of the world. It’s a great way for protecting, and then you’ll have to do it with each of the three credit monitoring services.
As far as blocking your Social Security number, I do not know how to do that. I’m really sorry, I can’t help you.
I think that’s kind of part of the credit freeze, and that’s really the only way I know about it too.
Yeah, Google is also — <Inaudible> Google. Alright, Rhonda, thanks so much for the phone call. If you want Rhonda’s line it’s 844-220-0965. 844-220-0965. Let’s go to Dee in Orlando. Dee, you’re on with the Certified Financial Group here on WDBO.
Thank you, good morning.
I have a question. I’m in my mid-50s and I just sold a home. I have a little money in the bank. I also have 401ks, some stocks. Right now my daughter is in financial need, and I’m wondering if it’s a good time now to maybe liquidate some of my stocks and stuff. Is that a good thing in my position to help her. I don’t know, I’m just a little confused.
Dee, are the stocks held within a retirement account or outside of a retirement account.
Do you know what your cost basis is versus the current market value, do you have gains.
I have some gains, yes.
So if you want to help her, and it sounds like you do, and you can add up some gains maybe with some losses so you can reduce the gains a little bit, capital gains rate is generally lower than ordinary income tax rate. The markets are, as many people feel, at an all-time high. So the opportunity to take some gains off the table right now is — I mean, you know where we’re at now. Roger and I were talking, if there’s potentially no tax reform and the markets could dip, and whatever gains that you are looking at right now may be gone. So, if you’re in the situation where you could take advantage of it and help your daughter, then why not do it.
And you also said you sold a house recently and you may have some proceeds from that, are those available in the <Inaudible>
Yeah, they are, but I don’t have a pension. So I was kind of trying to save that fund for <Inaudible>
Well, you brought up the next point I was worried about is that we all have kids that from one time or another would like to borrow monies, would like us to give them money and such. I think to an extent kids know that, and they may take advantage of that. So you’ve got only one chance for you to save for retirement, so you’ve got to really put yourself first on this. So try to help her, sure, but within reason.
I don’t know, I’m just on the fence about that, because I want to help her, but I’m afraid that I’m going to take away from what I have, you know what I mean.
That’s my concern as well.
Well Dee, one thing I could suggest is have somebody do a financial plan for you before you lend the money to your daughter or give the money to your daughter, whatever the case may be, so you know how much you can actually afford to do without.
Right, right. I just don’t want to sell any stocks or anything like that. That’s just <Inaudible> and I don’t want to liquidate any of my assets right now.
Then look for a way to make sure your daughter does not get in financial difficulty again.
I mean, the Bank of Mama’s open right now and may be closing, and maybe should close after this particular help.
We’ve all been there.
A kid’s job is to test the Bank of Mom and the Bank of Dad.
<Inaudible> have a plan done, then you could use the plan as the edict as opposed to getting into an emotional tug of war with your daughter.
You could make the plan the bad guy. But hey, very admirable you want to help your daughter. That’s a great thing, and hopefully if you do, and you can get her turned around in the right direction, maybe that’s the best thing to do as well.
Alright Dee, thanks so much for the phone call. We appreciate you calling in this morning. If you’d like Dee’s line, it’s 844-220-0965. 844-220-0965. Talk to Victor in Melbourne. Victor, you’re on the Certified Financial Group here on WDBO.
Hi, good morning. I’m calling from Melbourne. I’m retired, 67 years old. I have a 401k. My house was damaged from the hurricane and now I need a repair. I don’t know if the insurance is to cover all the damage or what to pay from my pocket. My suggestion is is it better taking the money from the 401k for repairing the house, or what price for a small loan <?> that’s just an estimation <?> from FEMA.
Well, you’ve got a lot of moving parts there. It really would involve probably more to sit down and talk to you about all your numbers. If it’s a matter of a few thousand dollars or multi thousands of dollars, and how your assets are shaped, taxable, non taxable. And then what you could do as far as maybe borrowing the money. But it’s all really part of a plan, and I’d say before I had all the facts, I’d really want to know those facts before I gave you advice. But maybe look into borrowing at a low rate, because you’ve got to fix the roof. The roof is a big part of the house. You’ve got to make sure <Background Noise> integrity of the home in place and get it fixed. It’s a given, you’re going to have to fix the roof. How to pay for it is going to be the next question.
If FEMA money is available, I would certainly apply for that. Do whatever is necessary to apply for.
Yeah, low interest loans from FEMA, I’m quite sure they’re out there. It’s worth considering.
Depending on what your tax bracket is, anything you pull out of your 401k you’re going to have to pay ordinary income tax on.
What about homeowners insurance, Victor. Do you have homeowners insurance, is that going to pay.
Yeah, I have homeowners insurance, but I still wait for the adjuster. I call, they say because this area it rains a lot, it rains every day, and the lady has <Inaudible> for this station <?>. So to save the roof, it has to be dry 24 hours for this station <?> <Inaudible>. So I still wait, but <Inaudible> take deduction <?> from the hurricane. I don’t know if I can afford to <Inaudible> apply for the loan from FEMA.
Well, you’re going to have to crunch the numbers plain and simple. If you pull $30,000, $20,000 out of your 401k or your IRA, and that plus the taxes, is it affordable, is it a wise move. I mean, it’s really just going to be a simple number crunching kind of decision.
It’s up to you, Victor. Thanks so much for the phone call. If you would like Victor’s line, it’s 844-220-0965. 844-220-0965. Let’s go to Bob in Orlando. Bob, you’re on the Certified Financial Group here on WDBO.
Yeah, hi, good morning. I have a question I think I know the answer to, but back in September of 2016, they were talking — it was before the election, they were talking about interest rates, and somebody from The Fed board said that there’d be another bout — there’d be an interest rate this coming meeting <?>.
And everybody was saying that you had retired, are at retirement, it’s no time to be in the market. Everybody was advising to get out and get into <Inaudible> municipal bonds. I’ve had a big chunk of mutual funds in Janus and Vanguard. I’ve had them since the early ’90s, right. I was in on that tech sector boom, which I lost in 2001, then 2008 came and took another big hit. It just started coming back, so I said I could see this happening all over again. I’ll be 74, so I said I don’t have another eight years to wait to recover. So they were telling me, the fund managers were telling me that you could slide into a safe haven of 0% government bonds and stuff like that where you won’t lose anything on a crash. So, that was like a snap decision. I made the call <?>, so I wanted to put everything into a safe haven, which I felt was sliding <?> it. So when I called the slider back and I realized that it was a false alarm, there was no interest rates, that nothing happened, they said you actually sold everything. I said <Inaudible> it was a little long, <Inaudible>, they said that, didn’t <Inaudible> slaughtered <?>, we slaughtered them. <Inaudible> there’s no sale done. The next then <?> I’m getting 1099s for the last 26 years of dividends. I was obligated to pay all the taxes. Then to get back in, I’d have to sell the bonds and buy back in. I said you know, this is something that I can’t believe happened. I didn’t intend to do any of this, you could have explained it. So far, the bottom line with the way the market is at a record highs, and I’m out about $250,000 doing what I did. Right now, I’m talking to a local financial advisor, and it seems like I don’t know if it’s a good idea at my age to get involved with people like that. If I gave him all of my money to invest, and there is a crash, I mean he’s still going to make his commissions and I’d be out even more. I’m <Inaudible> just take my money and spend it, <Inaudible>.
Alright, Bob, yeah, so any time that you’re exchanging assets, going from Fund A to Fund B, it is a sale. That should have been clearly explained to you. Us, as certified financial planners that work for a fee, yes, we do get paid fees on the assets that we’re managing, whether they’re going up or whether they’re going down. But I will tell you that in down markets, we have to work significantly harder and be in communication with our clients a lot more than in the up markets. As your balances ebb and flow, so do our incomes. Putting money — I was afraid that you were going to say that the person wanted to put all your money into an annuity, which I would have said absolutely do not do that.
You know, working with an advisor isn’t the worst thing in the world. It’s actually probably the best thing for you to do if you need some advice going forward. I would suggest using a fee-based arrangement so that you’re not sold products with big commissions and such. It sounded like I think I heard you said you had a big number, like a $250,000 gain that you have to deal with, is that correct.
I’m actually down — being on the sidelines right now, I’m down about 250,000. <Inaudible> $1M <?>.
It all depends, and working through the tax implications of whatever transactions went on will be part of your advisor’s help.
I think what you need to do, Bob, is interview a few independent certified financial planners and see who you feel most comfortable with. Please feel free to give us a call.
Yeah, that’s that simple. Do you have the phone number to the Certified Financial Group.
407-869-9800 Monday through Friday from 8:30am until 5:30pm.
407-869-9800. It’s an easy number.
Easy number to remember. Of course, you can always <Inaudible> Certified Financial Group. Alright Bob, thanks so much for the phone call. We are up against the break here, so if you’d like Bob’s line, it’s 844-220-0965. Coming in, the three big things you need to —
1, 2, 3:00, 4:00, Rock, 5, 6, 7:00 —
It is the final segment of On the Money with the Certified Financial Group here on News 96.5, WDBO. We are taking your phone calls at 844-220-0965. 844-220-0965. It is the final segment, so let’s get to our last caller, Kathy in The Villages. Kathy, you’re on with Roger Johnson and Nancy Hecht, Certified Financial Group here on WDBO.
Hi there, good morning.
Good, thanks for hanging on through the break. What can we help you with.
I have a question about the 1031 — is it 1031 or 1039 exchanges.
Probably 1031, is it real estate.
Right. I’m going to be selling a piece of property I have in Claremont and buying a piece of property in The Villages. I was just wondering if it’s a big headache to do a 1031 exchange or is it something that I should be considering doing.
Well, it’s not something you should do yourself. You need to have some legal counsel to help you. I know that you have to have the property identified that you’re going to be buying before you sell the property. Beyond that —
Well, it’s got to be a like to like. If you’re selling an apartment by a residential, there’s certain things you can’t do with a 1031. So, are you familiar with them enough to say this is what you want to do, or are you still in the early stages.
Well, I know a little bit about it. I’ve read about it, I’ve spent a little time. I was thinking about selling it before, and I do remember it has to be like to like. And that there’s an administrator that helps you with it and so forth. I just wanted to know if —
Well, let’s for our listeners, the concept is to not have to pay taxes on the first sale. You get to push the taxes over into the next property and carry forward any gains without having to recognize your taxes when you sell that first piece of property, I think you said in Claremont. You could then buy the like property in The Villages and still keep the tax deferral of any gains you have. That’s the idea there, and it makes sense, and it’s a good thing to really consider. But make sure you do it right, and you’re getting early information from reading about it, calling us. I would talk to a professional. Feel free to give us a call. We have some folks that do 1031s and we’ll get you in the right direction.
We’ve got 30 seconds left, so thanks Kathy. I want to give out the workshops real quick.
Okay, 19th of October is myself and Denise Kovach doing Social Security bootcamp. That’s from 6:00 to 7:30. We’ll serve a light dinner. Healthcare options in retirement, Saturday, November 4th, from 9:00am until 11:00am, hosted by Gary Abeley, light refreshments there. And the third one, everything you want to know about mutual funds, Saturday, November 11th from 9:00 to 11:00, also hosted by Gary Abeley.
One more too.
<Inaudible> financial basics, life strategies for success, Saturday
Dictation made on 10/10/2017 3:45 PM EDT.