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Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but is limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Certified Advisory Corp is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements.
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Stay tuned for on the Money Central Florida’s most listened to financial call and show Bronte You by Certified Financial Group in Altamont Springs. It’s the only show hosted exclusively by certified financial planner professionals. Monday through Friday, their CFPs provide financial planning and investment advice for a fee. But on Saturdays, the advice is absolutely free and has been for more than 30 years. For their WDBO listeners, if you have a financial question you want answered by real fiduciaries, the lines are wide open. Call five 80 WDBO, that’s 8 4 4 5 80 WDBO and enjoy the show.
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Hello and welcome to On the Money right here on WDVO 1 0 7 3 FM AM five 80, always streaming live inside your WDVO app. If you find yourself inside that app and want to send an open mic to the Certified Financial Planners in house today, I invite you to do so. Open up that app, click the open mic button, give me 15 to 20 seconds of your best questions. If you want to plan your future, you want to settle a little debate between you and a friend about what is the best way to go financially and send in that open mic because we have certified financial planners. Nancy Hecht and Joe Bird with the Certified Financial Group. How are we doing this day?
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We’re doing great, Josh. Good to be with you on this beautiful Memorial Day weekend. And as we say in the intro, Nancy and I are here to answer questions that might be on our listers minds as we have been now for more than 30 years. Taking questions regarding your personal finances, decisions that you might be trying to make regarding your IRA, your 401k regarding a mutual fund that you’ve seen, something that you’ve heard, some rumor that you hear and all that stuff that you’re trying to make a decision on because I don’t teach you this stuff in school and as I say, we go through life trying some of this, trying some of that wake up at 55 years old, look across the kitchen table and say, Loretta, one of these days we have to retire and we’re not planned. And that’s when Nancy and I and the 14 other certified financial planners do day in and day out for a fee on Saturday morning. We are here for you absolutely free. So if you have any questions, anything on your mind, things that you want to discuss, the good news for you is the lines are absolutely wide open and all you have to do is pick up the phone and you want to say dial anymore, but we still say dial, what do you punch in the magic
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Numbers? I’m an old guy. I started out by saying, Hey, voice assistant call these numbers. Drives my kids nuts. There you go. But if you want to do that, open up your phone and talk to your virtual assistant and call us at five eight zero nine three two six eight four four five eighty WDBO or again, send in your open mic using that WDBO app. Topic for today’s show is how are you going to spend your time in retirement?
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As a question that’s come up a lot lately with my clients. I have a few clients that hadn’t really planned on retiring, but they were offered pension buyouts. With the economy the way it is today, some bigger companies are looking at their higher priced employees and offering them incentives to get off the payroll. So it’s a question that people are facing that they hadn’t maybe really planned on facing currently. One day last week, I had two different clients coming in and I had asked one of them, what had they planned on doing in retirement? And this client just started listing off all these different things that they wanted to do in retirement with travel and things that they wanted to do in the community and hobbies and things like that. And then the second client said, I have no idea what I’m going to do. That’s why I want you to tell me if I work for five more years, how are things going to look because then that’ll give me five years to decide.
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Makes sense.
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Yeah. And we have a couple friends that have no plans on retiring at all. I mean work is their advocation and their happy place. The time that they have segregated for work and the time that they have segregated for their family is their comfort zone. So it’s a big question that a lot of people have to think about and most of us try and plan for it. And retirement cashflow planning is a big part of what we all do for our clients and regular updates on the plan to make sure that things have not changed within their family dynamics or their lifestyle that turns their retirement plans one way or another. But it’s a big issue and it’s a big question and the things that you think about in retirement. I have one client that was thinking about retiring and was maybe going to retire a year or two down the road, but then their kid had a baby and there was an opportunity to be the childcare person for their grandchild.
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So they said, Hmm, I can afford to retire and this is going to be a nice retirement plan until his wife retires. So childcare is what this person is doing and giving him a lot of joy and it’s an opportunity for the kid to bond with the grandparents in a way that a lot of us maybe haven’t been able to. He definitely has a purpose in retirement that he hadn’t even thought about when he was thinking about retirement. So you don’t know what types of curves life is going to send your way, but I have found from the clients that don’t really plan for it, they end up going through a lot of money, a lot more money than they had planned for in retirement because boredom leads people to spend and oftentimes not spending on things that are anything less than frivolous. They end up putting on a lot of weight and they end up getting divorced.
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Yeah, it is a lifestyle change. All of a sudden your husband and wife are staring at each other and what do we do today? And maybe I’ll go to the bar or hang out with the boys or going to go here with the girls or then you start taking separate vacations and it’s a whole different change in life. The first thing of course is to be sure that you’ve got financial freedom that you could do what you want to do. That doesn’t mean that you have to do it, but like you said about that one couple that’s going into retirement and they’re spending more than what they thought, and that is a recipe for disaster. And this is why planning is so critical to know what your income is going to be, what your expenses are, and if you start dipping in that cookie jar too soon, too frequently too deep, you’ll find that you may run out of money somewhere. And this is why it’s critical for our clients to come in and visit with us and talk about those changes in your life that you said things that you want to do, things that you may have to do, perhaps parents have entered it, perhaps children have entered it into the picture, perhaps grandchildren that have disabilities and now you have to take care of ’em. All kinds of things change life.
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I can use my own nuclear family as an example. So my husband used to sell group health insurance to small groups, less than a hundred of vastly underserved sector of the market. So when the Affordable Care Act came into place, he was basically written out of business. So he ended up retiring because that was his forte and it was a dead industry. Happened to jive with his dad needing help and his dad lived up north. And so my husband was going up north a lot to help take care of his father. I remember. And then when his dad passed away, his mom who lived in north Florida ended up needing help. So that was the first five years of his retirement was giving care to his parents and now he does a lot of volunteer work. He helps with our grandkids and there’s so much to do around our house that he says he has no idea how he had time work when he was working, and there’s a really good division of labor and things that I don’t have to worry about taking care of because he’s there and he takes care of it.
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So it was an accidentally well-planned retirement that works for our demographic and there’s no way that I’m ready to hang it up right now or for a number of years. So this gives me the opportunity to keep doing what I love doing and to
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Get out of the house. Yeah,
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Yeah. I mean even like during Covid, thank God we were deemed essential because if I had to stay home, I was probably would’ve killed somebody,
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But that was unplanned as far as retirement goes, but thank God it happened to work out. So you really have to think about all the time you have ahead of yourself. And there’s a lot of people that say that they really want to get in shape and there’s a number of different types of gyms or health clubs or sporting groups. There’s a lot of different walking groups that people join and they end up meeting people that have similar advocations and hobbies that they didn’t even know were out there because they just heard about this group and decided to join it With society the way it is today, there’s a lot of charities that really, really need help. So volunteer work is a huge thing that people can get involved in with their time during retirement. And then everybody says that they want to travel and planning travel right now happens to be very expensive. So when we’re looking at things like that and healthcare, when I’m doing my retirement cashflow plans, I tend to end add in extra inflation on those types of items.
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One of the real tragedies going into retirement is not knowing what you can do and then you find out too late that you could have done it and you didn’t do it. So this is an opportunity to tell you, once again, I think you’ve heard me tell the story before Nancy, my herb and Dorothy story, and this is story. This is happened to be when I just started my career many years ago, had a client, a prospect at that time, come to see me, had heard about what we do, financial planning, and he came in by himself. He was an engineer for one of the major companies here in town whose name I won’t mention, but it begins with an M or it began with an M back then and he wanted to retire and his dream was to buy a motor home and to travel the country.
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And his wife was a retired school teacher from Vermont. And she said basically, you’re crazy. We can’t do it. We can’t afford it, forget it. It’s not happening. And I said, herb, I had love to do a plan for you, show you whether you can or cannot do it, but first of all, I won’t do it unless she’s here because we’re allowed to show you that you can do it. And she won’t believe the numbers unless she has had input in putting it together. So he calls me back a couple weeks later, he says, all right, I’m going to have her come. So she comes in and about for the first 20 minutes, she sits across the table with her arms folded and you’d think she was having a root canal. And then we started talking about what her dreams were, what she wanted to do, what retirement looked like for her.
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And she opened up and we did a plan for them. And lo and behold, there was no question that they could buy that motor home and God bless them, they did it and they were on their second motor home, one of these big ones, and they have a license plate on the front of it. So if you’re ever driving down the highway and you look in your rear view mirror and see this big motor home with a license plate on the front that said Joe said, we could, that’s Herb and Dorothy, God bless them. But this is the key about retirement. As you said, you got to know what you’ve got. And the worst thing is, as I said, going to retirement, either not enough money or too much money, and you wake up at 85 years old and said, we could have done that stuff for the grandkids, we could have done this and we could have done that, and here we are and it’s too late.
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Well, yeah, I mean we help people plan for their money, but they have to plan for their time and how they’re going to spend it, and you have to have some actual ideas of what you want to do. I have some clients also, they wanted to travel for five years on a motor home and they did and all over the country. And then when they were done, they sold it and they bought a smaller place in South Florida and they’re
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Really, and life is good. It’s all about planning. You can’t go into retirement without some kind of plan. And the first thing you need to know is how much gas you have in the tank. And that’s what Nancy and I and the 14 of those certified financial planners do. In addition to managing money, we manage a lot of money for clients, but we do planning first because good investing requires good planning. Unfortunately, most people don’t do the planning upfront. They just go do the investing and they’re really not quite sure whether they’re too aggressive or too conservative. And that’s why we’re at Certified Financial Planners. That’s our mantra why we’re planning tomorrow, today. How’s that for Lead? And Josh, I
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Love that. Let’s plan together. If you want to plan with Joe and Nancy with the certified Financial Group, I invite you to pick up the phone right now and call five eight zero nine three two six eight four four five eighty WDBO. Your call will be first in line 8 4 4 5 8 0 9 3 2 6. Send in your open mic using that free WDBO app you’re listening to on the money where we’re planning tomorrow today with the Certified Financial Group.
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Welcome back to On the Money right here on WDBO 1 0 7 3 FM AM five 80, always streaming inside your WDBO app. If you want to join the show, join the conversation. Maybe you got a question for some certified financial planners. Well, I happen to know and talk to two of them every Saturday morning. Around this time we have Nancy Hecht and Joe Burt with the Certified Financial Group answering your questions, guiding you for your financial future. You can join the conversation, be first in line, pick up the phone right now, call five eight zero nine three two six eight four four five eighty WDBO or send in your open mic using our free WDBO app. Joe. Nancy, what do you say? We hop over to the text messages.
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Let’s do it.
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All right. This one comes to us from Richard. Richard wants to know when should I reduce my risk tolerance?
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Well, I think it is dependent on, and this is a question that I was asked actually this week by another client, I’m getting ready to retire, so should I change my risk tolerance? So what I think about is how old is a person when they’re asking that question? And am I still planning for 15, 20, 25 years in the future? Just because you’re retiring and changing your lifestyle doesn’t necessarily mean that the risk tolerance needs to change. And by risk tolerance, we’re talking about the mix between equities, stock-based investments and income, which is bond based or cash equivalent types of investments. And so that’s the question that I ask them. I’m looking at planning through your retirement, not just when you retire. So if somebody maybe is moderately aggressive all through their working life, maybe moving down to a moderate risk tolerance, just moving down one step could be appropriate. There’s not an answer that is appropriate for every person. It’s not like when you hit this age, then you have to have a balance of 60% equities and 40% income or 50 50. It’s based on the person’s lifestyle. It’s based on their confidence and in the knowledge that they have in the various different types of investments. And it’s based on their age
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And there are other sources of income. If they have a lot of guaranteed fixed income like from social security or pensions or annuities, you can be a little bit more aggressive, but you’re right what you don’t. And the key is to find out how conservative you can still be and still have a high probability of not running out of money. And unfortunately, some people are either one extreme or the other, as you said, you’re getting toward retirement and all of a sudden I want to put all my money in CDs because I want to know it’s there only to wake up 15 years later and find out that they don’t have any money because the cost of living has gone up. And conversely, some people get attracted to what’s going on in the market with Nvidia. Say, I want to put all my money in Nvidia because it’s gone through the roof right now and I want to double my money here in the next year.
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And only to find out that wasn’t a good idea either. And that’s where planning comes in. What we look at as certified financial planners is how conservatively you can be and still have a high probability of not running out of money. We do what’s called a Montecarlo simulation, which stress tests it, and we’ll show you if you crank down your risk tolerance or your risk level I should say, and you’ll show you what the impact that is. And if you can do it, fine. If you can’t, you probably need to stay where you are. And that’s why planning is critical. Planning, as I said, give you good investment choices. You don’t want to be making investment choices without planning upfront, and that’s what we do as certified financial planners. So if you want more information about what Nancy and I and the 14 other certified financial planners do day in and day out working with our clients as fiduciaries, you can check us out@financialgroup.com. That is financial group.com.
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Welcome back to On the Money Central. Florida’s most listened to financial call and show brought to you by Certified Financial Group in Altamont Springs. It’s the only show hosted exclusively by certified financial planner professionals. Monday through Friday, their CFPs provide financial planning and investment advice for a fee. But on Saturdays, the advice is absolutely free and has been for more than 30 years. For their WDBO listeners, if you have a financial question you want answered by real fiduciaries, the lines are wide open. Call five 80 WDBO, that’s 8 4 4 5 80 WDBO and enjoy the rest of the show.
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Welcome back to On the Money Here on WDBO. As you heard Billy P just say, this is one of Central Florida’s, one of the world’s. I’ll say one of the universes most popular, most talked about, most successful call in radio shows the for giving out free financial advice every Saturday morning. This is on the money brought to you by Certified Financial Group and the wines, I’m going to start over now. The wines are in fact wide open right now. Oh, so are the
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Wines. Just
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Saturday. Oh, the wine, it’s Saturday morning. The wines are open, everything’s flowing. The calls are flowing in right now. So go ahead and pick up the phone and dial eight four four five eight zero nine three two six eight four four five eighty WDBO. And if you want to talk straight to somebody with Certified Financial Group off the air, Charles Curry is standing by at 4 0 7 8 6 9 9 8 0 0 4 0 7 8 6 9 9 8 0 0. It is still the same team with a certified financial planner at the Certified Financial Group. It’s just the questions are more specific if you want to talk specific numbers or really get down to the nitty gritty and you don’t want to have that conversation on the air. Charles Curry is standing by off the air at 4 0 7 8 6 9 9 8 0 0 on the air keeping us all entertained and informed throughout this hour of on the money we have Nancy Hecht and Joe Bur two more certified financial planners with the certified Financial Group answering your question. So call 5 8 0 9 3 2 6. You’ll be first in line. And Nancy had a little bit more to talk about when I was talking about how do I reduce my risk tolerance. We had a text message comment earlier and Richard wanted to know, and Nancy had a little bit more advice for Richard.
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Yes, we have a really nice risk tolerance quiz that we can email out to people. It’s questions, what is it like 10, 13 questions. They’re really easy to understand questions, they’re really easy to answer questions. And then this will allow us to assess what the mix between equities and incomes should be.
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It’s really straightforward and many times it’s an eyeopener. Some people think they’re conservative, and then you look at what they’re holding and they’re really off the charts in one way and the other side, they think they’re really aggressive and you look at what they’re holding and they’re really the other way. So it’s a great opportunity to get yourself a little checkup. You can reach us@planetfinancialgroup.com, planet financial group.com or nancy@financialgroup.com and we’ll be glad to send you that questionnaire and of course, answer any questions that you may have. We send this out as a routine when we bring on a new client because we want to be sure that the investment recommendations that we make to you line up with really what your gut tells you in terms of risk tolerance. And then if we find out that, okay, your risk tolerance is this, but it should be that in order for you to get to where you want to go, you should be doing this. Either become more conservative or more aggressive. And then we have a conversation and then we look at what’s the implications if you stay where you are, what happens, or if you ratchet it up or ratchet it down. And this is what planning is all about. So it’s a multi-step process that we go through with our clients. We just don’t bring you in and take your money and manage it. Right, Nancy? There’s a lot of stuff that we go
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Through. That’s correct. And also spouses or partners don’t necessarily have to have the same risk tolerance. I often find out that they do not
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And it often opens up a lot of conversation. Well, it
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Does. It does. And their separate accounts can be managed to their own risk tolerance. This is not all things are exactly the same portfolio management for our
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Clients. So what do you think? You find that when you have split circumstances like that, the man or the woman is the more aggressive of the two.
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I have not found one to be more true than the other. So
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I think it all depends on what they’ve heard and what they’ve read and who they hang out with
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Or how much. Yes, that’s all very true. So yes, and life experience too. Yeah,
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Of course, of course. So we got another text question flow in there. Josh, you want to take it away?
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You got it. If you want to call in eight four five eight zero nine three two six is the number to join the conversation. This question comes to us from Helga. Helga says, with hurricane season around the corner, and it actually is the next time you beat your hearing on the money, it’ll be next Saturday, June 1st, and that is the official start of hurricane season for 2024 and every year for that matter. But Helga wants to know with hurricane season around the corner, what do I need to be concerned about?
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Well, I think what’s important is that people have actual paper money in their house, smaller bills, fives, tens and twenties during one of the last hurricanes that came or hailstorm, the local gas station was open, but they didn’t have cell service. So anything that you would do through a card was not available. But if you had money,
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You could money. What’s that?
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You could get gas and you could buy something to drink or something to eat. So I think it’s important to have actual paper money in your house during hurricane season. How much you should have, I can’t tell you. I would think at least a couple thousand dollars would make me feel comfortable. And then you also want to look at and make sure that all your insurances are up to date and that you have coverages for things such as flying objects and that you have hurricane coverage. And those of us that have screening closures, sometimes there’s different riders for those things, sometimes they’re not. So you want to make sure that you know where your policies are, have all your important papers locked up in a safe place and a waterproof place and a place that could be grabbed easily if you have to evacuate. I think having a go bag would not be such a bad thing to do. Have some clothes packed, make sure that you have gas
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Or that your EV is fully charged.
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Well, yeah, well, but if there’s rising water, there could be problems with those things. So I mean, when we had, now we have a whole house generator, but the generator that we had before, we had to actually have gas cans in our backyard and my husband would bury on them so they wouldn’t fly around. And they weren’t obvious people that might be working at our house or anything like that. But if you couldn’t get to a gas station and we had those gas cans, you could put gas in your car. And then when hurricane season was passed, we also had the gas that you can put in your car and then make sure that you have non-perishable food and plenty of water in your house. So those are things that you can prepare. I mean, they’re not all economic, but there’s a lot that you have to do. And we’ve all lived through them. Well, most of us have lived through them.
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And don’t forget, you can put water in your bathtub.
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Yeah, make sure it’s clean
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First. Well, yeah, but if you have to flush the toilet and your water isn’t pumping, you can.
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Yeah, well you can use a pool water too.
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Yeah, that’s
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True. To do that, right?
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Yep. Yep. So
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Those are our hurricane tips.
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Tips from us have been through many, many hurricanes where the season is about to commence and we hope to God that we have another great year like we did last year. Although you read the reports they’re seeing man, it’s going to be a bad one
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And a charcoal grill is not a bad thing to have either. So then you could actually cook some food.
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So those are the hurricane tips and we’ve got some
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More and instant coffee pockets. Coffee’s really important to a lot of people and coffee saves lives.
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You’re probably right about that. Alright, we’ve got another text question flow in there, right, Josh?
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Sorry, I was just saving lives with my coffee this morning. It was Okay, good. Tasty. Good. Thank you for that advice. Nancy. Coffee is the best. Mary Mary wants to know. Mary has been hearing a lot from a lot of her friends to buy some gold. Is this something that Mary or anyone should be doing?
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So we all hear the commercials about buying gold. Things that you have to be concerned about is if you’re going to buy gold, if you’re going to buy actual physical gold, what is the quality of the gold? Is it actual gold? Is it 24? Is it 14 karat? Is it something that’s clad in gold and the center of it is not actually gold? If you’re going to look into one of the various different companies that we hear online or you read about what kind of markup is there, there was recently a story about somebody who had bought some little bars at Costco, which I had no idea do you can do it. And was totally disappointed when they went to sell it that they couldn’t even get what they paid for at Costco. There’s markups on these things. So I mean a lot of people think that it is a good protection and it’s a good hedge, but if you have a little ingot that you paid what a thousand dollars for or 1500 bucks for and we’re in said hurricane season like you just talked about, are you going to take that 1500 bucks for two loaves of bread and a case of soft drinks?
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Well maybe that’s all you probably get for your cold because anybody that’s smart would understand what the value could be and what they’re going to offer you and then you got a deal. But it’s not something that you want to rely on for the end of the world kind of situation. No, but there’s nothing wrong with holding a little bit of gold in your portfolio. We have the ability exactly. We have the ability to abide for our clients at 2% over spot, be held by a custodian. You don’t even have to take possession of it. If you want to sell it, you’re going to have another sales charge coming out and they’ll charge 1% per year to hold it. But you know it’s going to be 100% gold. It’s going to be held by a custodian that you trust and it’s a way to do it. There are many, many mutual funds that have gold was it’s
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A way to do it. There’s some nice exchange traded funds or mutual funds that invest a hundred percent in gold and gold is a hedge against equities and income. Precious metals has somewhat of an inverse reaction most of the time to standard stocks and bonds. But a quality mutual fund generally has low internal expenses and is liquid. So that’s another way to invest in any type of precious metals. I had heard ages and ages and ages ago at a symposium, one of the presenters said as copper goes, so goes the markets. Which sometimes is true and sometimes it’s not true. So again, I think having a little bit in your portfolio is not a bad thing, but I prefer going the mutual fund or the exchange traded fund route for adding some gold into your portfolio.
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Yeah, there’s nothing wrong with doing it, my preference, but you don’t want to bet the ranch on it and any kind of investment. No. No matter
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What it is, asset allocation is important. It is the key. And having a small portion,
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Asset allocation and diversification with quality always wins the day. Yes. Always wins the day. We
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Don’t want all things moving in the same direction at the same time. Yeah,
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They’re doing, if everything’s up, you’re feeling great, but when it turns you’re not feeling so good because they’re all going to go down at the same time. Exactly. And what you want to have, actually, believe it or not, you want to have some losers in your portfolio at a particular point in time. But what you want to have know is that when that turns around, you’re going to go up more than the average. And that’s what it’s all about. Unfortunately, most people can’t stand to see any kind of losses and they end up selling low and buying high and end up chasing their tail. Well,
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Losses is an interesting word because if something declines in value, that’s one thing. It’s not a loss unless you sell it, you’ve sold it. So I’ve been having a conversation with my clients in my review appointments about bond funds because interest rates have gone up a lot over the last year and a half. When interest rates go up, the price per share for a bond fund goes down. If you are reinvesting, you’re reinvesting on sale. And I’ve mentioned in the past, we love buying everything on sale except for investments. When interest rates do start going back down, you’ll see the value of the bond fund go back up. That’s just the inverse relation that has always existed with bond funds.
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Right. And it’s also like being turbocharged because you’re buying those shares, not at a discount, but on sale now. So you’re getting ’em cheaper and then when it turns around, you’ve got a lot of shares that you wouldn’t have had if the share price would’ve gone up. So that’s simply the way it works and that’s why diversification is key. And you don’t want to have all your money in equities or have all your money in bonds. Why diversification works. Do I hear some music there, Josh? You
(32:02):
Sure do. And you hear me scribbling away at all these notes, all this juicy information you’re giving out, that’s the beauty of working with these experts is because they have so much information that they’ve learned over the years and they want to help you guys. So pick up the phone right now. Dial eight four four five eight zero nine three two six eight four four five eighty WDBO send in your open mic or we have Charles Curry standing by off the air right now and a little bit after the show goes off the air. Charles Curry, a certified financial planner with a certified financial group answering your questions at 8 6 9 9 8 0 0. You should just saved that number in your phone as a certified financial group because they’re offering so much information on these weekends and throughout the week as well. 4 0 7 8 6 9 9 8 0 0. One more segment coming up you are listening to On the Money where We’re Planning tomorrow Today with the Certified Financial Group. Welcome back to On the Money here on WDBO. As the show comes to an end certified financial group wants you to know there’s still some people, some planners, some professionals available inside the office. They’re answering your call. So Charles Curry is standing by answering calls at the Office of Certified Financial Group. Write down this number, save it in your phone, eight six nine nine eight zero zero four oh seven eight six nine ninety eight hundred. And Joe and Nancy Hecht join us today dishing out some great information and they want to dish out a little bit more information as the show comes to a close.
(33:33):
I want to go over our upcoming workshops on Saturday, May 8th from 10 to 11, how tax planning changes through four stages of retirement hosted by Matt Murphy. And then will your savings last a lifetime hosted by Gary Ley Saturday, June 22nd from 10 until noon, and then transitioning into Medicare hosted by Dave. Be on Saturday, June 29th from 10 to 1130. If you go to financial group.com, you can pull down the workshop tab and make a reservation. And I’m going to say strongly, you almost must make a reservation because all these workshops have been selling out even though there’s no actual price for a ticket. We have a really nice learning center, however, we do have limited space. So go to Financial Group, do the workshop tab and make your reservation.
(34:31):
People ask why do we do this? We do this basically for two reasons. Number one, to hopefully protect you from or prevent you from becoming a financial casualty and to give you information that you could use now and perhaps introduce you to our firm. So when it comes time to do retirement planning or investment management, you’ll give us an opportunity to earn your business. So go to financial group.com, that is financial group.com and want to give our listeners and once again, an opportunity to know about Score My Funds, Nancy,
(34:55):
Right? Yes. So Score My Funds is an opportunity to put in the ticker symbols of up to 20 of your mutual funds. And if you don’t know the ticker symbols, then you can put in the name of the fund and it will preload. So Score My Funds is something that we do with all of our clients and it’s 11 different data points that hold every fund up to the quality style drift, how they’re doing against the peers, how they’re doing against their category. This is a service that we offer free, no obligation score. My funds.com. You can put in up to 20 different tickers and we will just the report back to
(35:38):
You. It’s absolutely free. Many of our listeners over the years have taken advantage of it. They found that really what they thought was a pretty good fund ain’t so good. And we’d be glad to send that to you. It’s absolutely free. We’ll send that report out to you in 48 hours if you’d like to follow up and no obligation visit, we give you that opportunity as well, that score My funds.com score my funds.com. And that about wraps up our program here for Memorial Day weekend. We want to thank all of our listeners for listening and be safe this holiday weekend. Let’s remember the purpose of this day. It’s not a day of celebration. It’s really a day of remembrance. And you were talking about the Veterans Memorial,
(36:15):
Right? Yeah. I just was looking at the memorial site in the Lake Nona area and it’s a beautiful memorial. And I was thinking about some of my clients that had passed recently and the service to our country that was a huge part of their lives and how grateful I was to know them.
(36:39):
I am going to repeat something, something I said in the paper the other day. Mike Bianchi, the sports writer for Phil Orlando Sentinel, published this. I want to give him credit for it. So this is, I think, fitting to wrap up our program here on this Memorial Day weekend. So as we head into the barbecuing and beach going a Memorial Day weekend, let us remember this. Our flag does not fly because the wind moves it, it flies with the last breath of each soldier who died protecting it. Have a great weekend, folks, and see you next week.
