Satisfaction guarantee under your money back learn more Orr -- dot com the following broadcasters they paid commercial program and does not reflect the views of the staff and management. Of Entercom communications or WORD radio. Jeremy -- your best friend and heartfelt -- this is common sense retirement. Next hour we're going to talk about what's going on in the economy how to fix -- from -- retirement. Standpoint. -- with you a lot of stories that are conveniently being ignored by most of mainstream financial press and today of course being the first. Saturday of the month we have the great. Good pleasure having. The inimitable Fran tar content on with us today -- will be talking to him and shortly as well. I just reminder Philip and I securities license to everything we do we do through capital investment group member of Finland civic and therefore if you do call in and ask for advice. It will be somewhat general in nature but we'll do our best to answer your question. We also always start the program with wisdom from the Bible because we try to practice good stewardship now we do. Good morning everyone. Today honed in the path. We're having a technical difficulty on what's going on here but down today we're gonna talk from psalms one. As the secret to. Prospering. Prospering in your family financially physically and spiritually -- blessed is the man who walks not in the council of the ungodly. More stands in the path of senators -- sits in the seat to the scornful but his July it is in the law the lower. And in his law that he meditate day and night. And he should be like a tree planted rather rivers of water that brings forth its fruit in his season. Who's -- show not wither and whatever he does show prosper the secret of prospering. And I actually this ties in pretty good with with what Phil would you -- this is -- the beginning of proverbs 22 chapter. And the thing of all sort of tie together a good names to be chosen rather than great riches and loving favor resident silver and gold. The rich and the poor have this in common the lord is the maker of the mall. Prudent man perceived evil and hides himself but the simple pass on and punished. In after the week we had. In the market. I just wanna read from the Drudge Report these are just hit the headlines is that they began here. And any jobs that there. Hit Obama launch official campaign starts and Lucia labor force precipitate protected participation. Lowest since 1980 when I think got to do radio. Disability application support my -- bills for Euro zone United States. And it goes on and on and on. What what Philip and I do for a living in what Fran does through targeted financial. He's trying to protect people from -- looming storms that are out there so. Today we're gonna talk about what some of those things are and and how to avoid in the just let me give you some perspective here. Though the market is up for the year. From a retirement planning standpoint and remember. When you think about retirement planning you're not talking about what the market did next week next year. It's what's likely to happen to the economy the market for the next 2030. Years why you retired and taking income here in your. Distribution of income for easier life. Or twelve years into this new century in the Dow and not adjusted for inflation and you. He's down 8% the S&P is down twelve and half if you adjust for inflation is down thirty. And the NASDAQ not adjusted for inflation mine who is down 41 and a half percent from the winner was that the tide went back. In 2000 so. Is it possible we could continue down the road like that and if so what might you do to protect yourself. Those -- the kind of things that we try to solve it. Having said that let us welcome the one of the greatest athletes. In pro football all time but also one of the most brilliant guys I know -- tar content -- -- -- -- -- how are you Fran. Partly as well and good morning I am all these great city of New York. I'm here in Manhattan and I won't tell you and we hear there's jobs report that you just talked about. It's interest -- good note that. Only 63 point 6%. Of these. Eligible war or are looking for jobs that's the lowest rate. Of people looking for jobs since 1980. One's. It's it's it's unbelievable. What's happening and yet we have not in the last three and a -- year. There's parts of the as -- but what leadership because what we have put we have not gone after. These bees did they actually the depth that we have in this country -- right -- what -- we -- would do that this increased by two trillion dollars. Our our unemployment is unacceptable. We were facing a total of 2013. Taxes on dividends. Of the bush tax cuts being receded. -- -- on on on the -- take all the top one point. Class warfare. We have an address -- entitlements we haven't principles securities from. The score Bancorp haven't addressed the Health Care Reform about affordable. He has he failed to -- What he has what he has always been good that is trying to build of walked toward reelection. The report card on him as a leader in getting things done I hate the trader -- -- there. If he were running -- -- company of this country if you are -- 888 sports cream of this country he would have been fire. But we -- here now -- -- -- the election. And every war treaty but. Four or second or your firm. And without having to worry about getting elected again. The social fabric of the country won't change dramatically. Into -- more social welfare state but it's been going down that line the last. Here. -- you know there's an and uninteresting and a way of looking at what's coming. And I I would -- it hurts me even have to save us. But I'm not the only one thing it. Irrespective of where there he is elected or loses. There's a very real possibility now for -- of civil unrest because thanks to Al Sharpton and Jesse Jackson in the trade Ron Martin case in various things. There isn't more racial than this at this intention in this country Fran and I've seen since 1968. I. I think the whole notion of class warfare has been as bad. Unbelievable. You know for the fourth time we we elect of an African American. Apartments. -- being elected he had the he had truth I get major support from the white. The people in this country which he did. But but we have a you know I think you're you're you're you're spot on I think there -- -- increasing racial divide. I bet that is the -- or. And it is it is I. I have both powerful -- of the black to white white the black Curtis -- -- any good to have built our sport and the whole place and yet I think it -- -- -- By the rhetoric of this president and Al Sharpton. It is -- and better belt on the other side. -- McCain is a breath of fresh air. Because Herman Cain is is. They hit as -- steady imports of live and nerve bugs we cannot we cannot bid for the racial as the lesbian. Sputtered out they had no matter what color our kids are because they're there they're there should be no power to break with a -- country and -- what we're about. -- and we'll Fran I wanna do this for a take a quick break when a comeback. Talk a little bit about the net effect of all of these societal and economic pressures that are now. Existing in this country and what that is going to mean as you look toward your retirement years in what might. She do to try to Begin to position yourself to survive what could be. A very very long hard slog economically and socially so we'll come back in a moment we'll have more with. -- target of -- -- -- financial Antonio Philip Allen will be right back so. Our Saturday across the upstate with scattered showers storms possible through this evening and tonight and temperatures will fall into the mid sixties to late night. By Sunday expect partly cloudy skies at 30% chance to bring -- to date with ice making the upper eighties. An apartment a little bit cooler or make it eighty want instead of the upper eighties and 20% chance of showers store and it 50% chance every night Tuesday. A fox Carolina chief meteorologist for cans on the radio that you RT -- six point three of them. Greenville hospital system encourages everyone to love life. When you reach a milestone -- celebrate with the real joy isn't journey challengers won the diversity mad Marc given and received. Whatever comes next you still like in the journey ahead. So make your health a priority and get regular screenings if you're good to -- over and that includes colonoscopy. Take care of your help today -- you can celebrate life tomorrow. To learn more go to GH yes I love life dot org. There's a new miracle technology that saves putting it keeps me cool in this miserable heat. It's called ice cold Dixie home pastors just -- I told my existing AC system. And immediately. There was coming up really cooler. He's guaranteed in writing to save at least 10% on energy bills some customers report more like 20%. One installation is good for the lifetime of your equipment and it can pay for itself in the first year. Called Dixie home pastors to 720 wait for four or visit Dixie home pastors dot com. -- of programming in a minute but first listen to this. Seems -- New York -- is releasing to the public classic US gold coins there's a number you can call for free historical information and a free dvd but first it says that during the Great Depression people were clamoring for gold coins because no one wanted to face economic turbulence without the security of gold the government finally took them out of circulation and the government -- -- was ordered. That's why most of us have never even seen a classic US gold coin but recently a stash was discovered in Europe gleaming US gold coins minted between 1866. And 1933. All and circulated it says the New York -- is releasing them to the public on a first come first served basis when you call. Here it is 180704198. Wouldn't be amazing to hold US history okay if you want it free historical information and the free collectors dvd that number to call is 180704198. 180704198. Would you look at my -- she looks amazingly. She should. I wonder how she stays so fit. What's their secret you know she told me -- to cancer eat right and she stays active to -- What's -- as soon as the new name for the federal food stamp program. I didn't know they know people are made snap count smirk so people can wave. You do it soon yes I do now that I'm retired more -- sixty -- is a big panel. Right when it's time. Used to snap cartoon by all sorts of foods including fruits and vegetables and if you or someone you know has low income and call 1802215689. For free information packet it. That's 1802215689. 1802215689. Snapped putting healthy food within reach a message from the US Department of Agriculture. Do you fear of losing your money worries you. Call Phillips and Tony and 8676768. For a complimentary consultation. Welcome back to common sense retirement planning this is Phillip island with. My good friend and co host Tony -- were privileged today to have friends Harkin and friendly and ask you why you're in New York but it snuck. We've all heard the rumors that you are there to about the New York Giants is that -- I gotta say era. A couple things. Spent the last bit to date of Archie Manning and his lovely -- Bolivia's. Bet they happen would be that the welfare of the bailout reading it and pay -- will go together have won three Super Bowls of the night. -- It's going to postal Saturday Night Live. And and yeah I cannot vote to go there and watch it -- IE won't support. Sports celebrity. -- all try to write a lot so then that little. It was the guy I don't sit back light intrepid these tricks. And -- and don't -- days all my show would they -- I don't it would John Belushi. Gilda Radner. And and Bill Murray. And it was a great show and what we do it what -- we'll do provide they'll have they'll have. They sold out of eleventh story that they have eight. Practice show her show at 8 o'clock that it'd get elected that's why so that social operating and our number one I did the show. I was started eight of plot and it's an -- Rancho and at 930 we only had the show will -- -- -- -- look that bad -- I get my goodness what about how we gonna go to. They don't want a better -- open -- -- the magic show -- and my opening monologue that I did it was written by Al Franken a ball people's little sold out. We'll let us fighting de La. Sanity I should not -- that. But without the you know he's -- he's critical to promote. From Minnesota and down and crazy -- so he was -- the burger that the writer. They've changed my whole opening monologue and have a look at it on the blocker go to the show started. But I guess the thought about told Eli just give all. -- -- -- -- -- -- -- It was good not -- but it was good mavs lead the -- goods yeah. But like jail was great trio I go to a good be good that the Baghdad that -- -- post my radio show -- -- what I do seriously expelled more Monday night. I'll go do without the studios series -- premiere in New York Monday night -- And and I'll -- -- played football here -- adults or 45 years. Yeah yeah yeah I am and I. I love New York I think it should be greatest city in the world and owls could tell you got. They don't go attraction going to be -- at the hotel are packed. The review restaurants were -- -- -- Central Park this morning I'll betcha there were 30000 people of Central Park. Biking and walking and of all different. You -- shapes and try and there's generations of a happy. Anger felt it was -- good -- overjoyed a trio was it was good that's pretty at all I've been there does that is that as good. -- week. We stopped on Tom unexpectedly in front of the bunch of people in new York and their joy just went upon all the sudden that didn't and they started yelling and screaming as -- -- there's this thing is turn on a dime out there if. What do you a lot of pretty -- you're gonna. Listen and the way how many years you've used the -- -- football. I I -- Monday Night Football Howard Cosell and Frank Gifford and then -- done broke. Peter for -- hear something like that -- the year June July or audio here on socialite. I didn't like could you talk about what somebody else is doing. The nice thing about you know up here doing. The who radio show -- and and and and the Denver and the effect tonight a lot of potential for I think that's incredible for five years also. European -- you're got to before we go do something you know. Talking about football game BP you're not -- could talk about what somebody else is doing. Mya. I haven't assistant his younger. Younger than me put it that way and when we first started working with young mentions were Ruben -- with Fran tar content and she looked at me he said the host of that's incredible and -- -- even played football. -- I've gotta interest thing down this this job report its its interest in the results of it. What's happening one thing is is a labor force shrinks as as jobless -- the disability ranks. And I said as we have these bad these people that are dropping out of the labor force well where they're going the -- -- this said had the labor. Had the labor force not declined unemployment would have been eight point 3%. In April instead of eight point 1% the same month more than 245000. Workers applied for Social Security disability benefits. Nearly 90000 of them were enrolled according to new data from the Social Security Administration. Many of those who quit looking. -- they had signed up for disability benefits so far this year nearly one million workers have applied to get on the disability program of course the Social Security Administration more than a third will eventually be enrolled. Almost 90000 workers and rolled from an April pushing the total for new enrollees about 333000. In the first four months of the year. Had the spouse's independence. Investor's business they've reported more than five million workers and their families have enrolled in the disability program since president broke Barack Obama took office now. What about being unemployed also make you disable. Well I don't understand that and also Leo food stamps are gonna. Am what we do know commercial. For crying out loud are taxpayers dollars going to pay for the Smith commercials that ran -- out. Well -- yeah -- -- just what we have. What we have right now is big government totally out of control. It's a good government they're bigger period if you want socialism in America. Or charge pitcher got a country collectively. And all of your look so I have a vote if you want. Socialists you want. That the bodies these these successful people. You ought to have more people unemployed and lived in all the Corcoran people who are paying taxes. If you want bigger government. If you want discovered -- more in -- And the socialist state increase and become more like a European country but I would vote for Barack Obama. -- -- -- to -- that. If you think cat but further structure of any better you'd better. You don't talking -- -- talked to people and go vote this year. No question and all of these things are are culminating Fran in happily die your outlook as far as where the the economy in the stock market are going and yet people are walking in our door every day. And they're getting the same advice they were given back from eighty you're 2000 in this big bull market. And these are people who were fifty plus who are hitting for retirement or already retired I just -- one example. 71 year old man comes in this week with one of the big major brokerage houses you see -- -- all the time. Eighty percent of his portfolios in stocks. I mean yeah. Isn't this is a man who's gonna he's living on his. Taken income out of his principal and he could stand to lose half his life savings and run out of money here in the future. And that is the kind of advice people are being given when there are ways there are instruments out there and available to people. Where they can guarantee they don't run out of money income. Guarantee that they can't lose money if the market takes a bit and have a shot at making some good rates -- return when markets go up. Yeah it's important that obviously there is that you guys -- -- you know I'm seventy true I I only work about. A sixteen hour days and -- and I and I love every every part of it. But right now it's essential importance for for all my peer group -- Really look at themselves and take a balanced look at look at all of their options. Most people -- would have been dead structured bonds -- you know real estate investments and all against the -- at all -- like. What most people don't know what she YouTube you'd Sony -- people -- go and we know it Gartner financial. There is an alternative. That there's a trade body alternative. Backed by insurance companies. That provide true of the safety net for seniors and provide our income and -- charge for years. What what about the risk of the market and and and be -- options that may be seniors. Do not know about there's about at this about dropping it was embedded last -- that should have been here EU all the products. My friends on the product -- -- portfolio. Because. You know every seniors scared to death of running out of money in their retirement years. The more money we have at risk of remorse here we are -- is just very important that seniors look at other options. Ask the questions. -- and be able to make good decisions it the more knowledge we get the better decisions would make it I don't know. That get all the good that's what we do a target of financial all across the country -- And and and and you know -- your adult -- of the vote of the violence survivors specialists. That we have across across this country and and the great thing -- about what you guys do you usual figures all the options. You make sure that they don't look good the -- -- the -- for the week the so called options are good and -- you. You you let them make their own decision and and belt that looked at a frantic and we've also releasing your should be able to -- stretch free. -- -- -- -- I was gonna say are getting hit a break here when we come back we're gonna. Dig into some of the properties on some of the things we're talking -- -- kind of have gotten into some specific -- come back and talk more about some specific retirement ideas on comments -- retirement planning in a moment. So scary. Our Saturday propping up state with scattered showers storms possible through this evening and tonight. And temperatures will fall into the mid sixties late night by Sunday expect partly cloudy skies at 30% chance to bring -- the day with ice making the upper eighties. An apartment day a little bit cooler make it 81 instead of the upper eighties and 20% chance of showers tour -- 50% chance every night instead. A box Carolina chief meteorologist Kent for cans on the radio that you RT 16 point three and then. When your thinking about a mortgage thing global. Think county bank mortgage got a big mortgage offers solutions that of big banks -- thinking about a mortgage call 331 home that's 331 home or visit county bank mortgage dot com. -- -- -- -- -- -- -- You're best known for diamonds but about other gyms. Oh my goodness you know this -- has the largest collection of collisions in the Carolinas and -- Irish rubies pearls animals and this year's fashion store. The necklace earrings bracelets really makes -- sparked the latest fashions and jewelry and where else but hills for our emails and he would rent a little self at the moment. A yeah that he's done that. So I. -- -- okay. It's my. Insurance companies are paying for brand new roofs on thousands of upstate -- that's why W ordeal listeners are calling homes march storms solutions for free roof inspection they're licensed insured and -- and -- -- -- rating from the Better Business Bureau or call home Smart storage solutions today at 7241000. That's 7241000. Had a -- made okay. All smiles on Sunday. -- fear of losing your money worries you call Phillips and Tony and 8676768. For a complimentary consultation. Welcome back to common -- -- time planning this Philip Allen with Tony dale and today we have a great friend parking and with us. I just saw very disturbing. Economic indicator almanac says that bacon was up eight point 5% now that hits my direct. And now I think that's the so now I'm maybe in -- may be in panic mode. But at Melissa Fran we we try not to ask too much have you that we would like to ask you a favor. We've been you know. He allows word about another Super Bowl and and Payton is got a new team that Cali could you just ask Archie and Eli and -- patent. They just tell you that we really just not to worry about us here lingering little the way it you know we're going to be okay -- fill in Tony's going to be okay. We haven't talked to him a long time last time we try to talk to -- think we're arrested it was right around in the last time her New York so that you can just -- Archie and -- I'm -- that our work going to be okay would you do that force. Yes well I I'm sure they'll be able warming curve ball well -- -- -- you know it is here it is interesting that as I've never feeling like in my life could argue. Okay great great quarterback. As these two young man the elevated their fair they're making what their endorsements of their interplay and it make in each over thirty billion dollars a year. Are there once they're -- One for sinners. -- there -- no one -- and -- -- -- there's people there have been wonderful family. And of course -- got started through Google's new life out of Denver what -- -- it'll nervous about there you have -- of Indianapolis all these years but but he'll work it out there and it's it's amazing story never. And I think -- it. You've got in what badly three unbelievable. -- speak like they are. It is amazing -- and we -- -- off talking about retirement planning here in in what people are faced with. And and -- a lot of times we went on the show -- least we we talk about what's going on with the economy and we're we're short absorbed look at its broad brush on things that. Tom I'm seeing more and more people walking my office in the first thing they wanna talk about his you know I'm scared. That I'm gonna run out of money and remember the good old days when might -- on my grandparents they had pensions that -- notre nice thing to have a pension and what people don't understand. Is there are. Strategies out there that amount to. A pinch and on steroids because the problem with pensions of course was first of all. Once you you took the pinching in and in a new ties and money of course pensions and -- The was allegedly knew it ties -- it never grew which means that you are now vulnerable to inflationary pressure and then if something happens to the -- of the new attempt they they passed away -- -- -- just stops for the spouse and end it there there's no way to. To recoup what might have been there otherwise so when you talk a little bit about -- about some of these new strategies and how they work. Well. Thank you -- and it is why I got a bit of about ten years ago because so many in my current work. Able -- -- and -- it -- over the years they've they will that -- insurance companies who have come out what they'll let me explain what the insurance company it is it is it is commercial product. Such strict eviction -- The rescue but. Taken by. These these the the -- it's taken by the insurance company investor to promote a pro stock market as we certainly belt. And so they've over the years the bulk fixed index abilities. Which. Makes sense to you and I -- so I I have the products my friends have the products are part of my retirement income planning. And and it is just it just it's something that they're -- safety and go there and and and and and an independent arbitration. I feel ashamed -- -- be sure that my money safe -- want. Number two problem -- how much how much for tarmac and it. Battle that. -- that trust bought half. But I don't wanna put that principle it is at risk cannot I -- releasing your Google slave life. That's kind of the war that we do the work that you would go through social well and -- -- -- all -- takeover plan to take thank you get take. Are getting knowledge and information about always well. Good -- said the use of open Tony Bennett idiot what the plan. Will always be a genius we'll go play. And and I think that every senior should have a plan. Two biggest let's make sure the Serb. Their plan as well as they've got help put that plan to ensure that they don't run out of body of their senior year. And I think you get the appropriate word to ensure. Has so many people that come and talk to us and say if we could just found a way that we can take you know 44 and a half 5% of their money. And you know have that guarantee that we could -- of the money because the thing the unknown is how long ago Malia. And we would have such peace of mind. And they've heard this theory in that theory in -- just insure. -- what is it when you know there's ten different companies out there that will just ensure that they would pay you four and a half percent. On your retirement money for the rest your -- -- -- -- -- of regardless of the investment results and their life. Well that must be a scammer on issues because there's a whole industry out there that. That don't want these people to know about it apparently because they there's a whole industry that wants people to take too much risk with their money and it's insane if you got enough money to have a comfortable retirement. They just keep taking Reyes just so that you'll have the opportunity to lose at all one day. And it makes so much sense does it. And and and and that's why -- -- of luxury list that is that's why -- starter partner financial because. Our job instead we have only offered by any true. Of financial. Special across the country that we can't -- You -- don't got to be number one and number true. And and we educate seniors what we do not know usually. So many people there every day at your option is sure -- the Greenville Spartanburg area. That they're you're educating people. Knowledge is power. Most people have don't have a background -- financial background of understanding all the ins and out so a bit desperate strategies and whatever they've made being your annuities -- insurance sparked how they work. And and they need to be able to -- down we're both professional people knowledgeable people who want to educate them. Give them the information and show them the options shoulder restraint -- -- just so that they can make -- better decisions. But Schwartz. We are all about and that's what Tony and so all about -- though. That few people you know. What I would like encourages out of -- Give them a call in and Golden State it doesn't cost you anything it's a pretty consultation. They'll sit down and talk what -- shared the information or trigger questions. Give me the knowledge of the one thing that we don't do it targeted financial we do not tell anybody what they should do is she your mind. But knowledge is how did you are all the knowledge you can get to be able to make decisions that are best for you had your best. Well I've actually we have a similar I think with the -- talked do you Fran. Let's bringing -- -- from Greer Dane how are you. I'm gonna get I got a question I think you might just talk a little better about it -- in my seven days have a good tension in the count. But they have been my problem areas it's saying about if the money that I am putting him to bury its accounts of those savings. I'm actually losing money because. The interest being paid Burke -- -- the cost of living increase. Yeah yeah you're all of that and then let the actual truth is now. The bank should although the money markets and the banks they almost nothing. End and and and that's why. Of these -- fiction index annuities are gaining in popularity. Because. Here here here here get a I have a better return -- you can get -- Of that you value money market fund to bank and that's what's so much so many people come into this year you're actually right. -- ebitda must return there. Dean essentially that the league can be kind of an idea how how he's worked in most people don't understand all all of a fixed indexed annuity guys as two components to -- essentially. One is instead of you owning a mutual fund portfolio or whatever you taking the risk. You transfer the risks to the insurance company and they use a strategy that tracks various indices like the S&P in the NASDAQ in the the Dallas so forth. And whatever returned that index does any given year you could keep most of this so the growth mechanism inside of it. Is just tracking the indices but in news is what makes it so dramatically different than just for example buying indexed mutual fund. Is that there's a guaranteed that the war stick to do any given year is zero. He cannot lose money so the first thing the guarantee is that it is kind of like homeowners insurance they're saying. We're we're insuring that that this can't lose money but you have an opportunity to make many of the market -- -- to go out so that's part line. But they also have. Various types of what are called income guaranteed income writers that you can take out. And for example one that we frequently. Guarantees depending on your age anywhere from four and a half of them or better percent. Starting. Income on whatever amount of money this is when you turn on the income writer. For you -- -- spouse but here's the key and most important point to this unlike a pension which is what you have. You never going to take a new which ties the money which means that. Every year that there's a gain in this in the index if you're taking income you're gonna get raise the following year by that amount. So it now you have inflationary hitch which you can't have we just -- tiny pension. And they're via the now having settled at. These are have a lot of moving parts they're they're they're complicated and it's why it's important -- that was somebody who understands him. From a -- retirement planning standpoint because the sad truth is in this one than the unfortunate part you don't have to have a securities license. To sell these to people and there are a lot of people that just to insurance salesman that sell them. Inappropriately to people so. I would encourage you if your -- did come -- and let -- it and give you an opportunity. To ask all the questions you've come up with and understand them in depth and then -- it makes sense to you probably do it. Yeah director Dorian porch was Sony there there are some stipulations and and they -- and it's something you need to know about. Within the rules of the game they're that they're told him gullible will show you. -- and added they'll be clear -- and -- in what should understand although you'll get a good perspective to make your own decisions part of the something that it's what you wanna do or not. Okay. We do appreciate our number just -- reminder is 800. 6876760. To give us ring. Okay got to take a quick break here and like I can hit probably not lose -- era. Got it okay. I I would do -- this morning I feel so good I did that six rounds and more canal on the heavy bags and speed bags and stuff today and is just one of the things I get to do all we 'cause I go to -- Brothers Jim and I feel so good. I feel good in a lot of ways if it is made me more work it's given me more vitality and energy in it in at my age I feel. As good as I did back when I was my thirties. But I'm doing it for a of a more important reason it's not just about Hannity I sure like what good everybody does but that's not really with this is about. I -- feel vital into my late late years I'm probably gonna live a long time because I've inherited those sorts of genes. And I don't want to be the type of older person. It has no energy that has a lot of degenerative diseases. That essentially your body's falling apart. Well I didn't work and haven't gone at this stuff for years because of an -- does it to friends an athlete any athlete in -- ever been an athlete understands this. We you don't have to be an athlete to do it now here's the beauty of it I saw in the mayor Murdoch's wife was in their work now this morning. You need to take control of your physical health and you can do it by. Going to brits Brothers Jim where you'll find people who work with you one on one tailor programs right for you and help you achieve. The physical results you want to -- Check them out -- brits Brothers Jim dot com and find out all about it. It's scary -- And -- Saturday across the upstate with scattered showers and storms possible through this evening and tonight and temperatures will fall into the mid sixties late night. By Sunday expect partly cloudy skies at 30% chance to bring -- to date with ice making in the upper eighties. An apartment day a little bit cooler or make it 81 instead of the upper eighties -- 20% chance of showers storm and it 50% and bring back Tuesday. A box Carolina chief meteorologist for cans on the radio that you RT wanna six point three and now. All of the grilled cheese please I pot -- -- -- hot and actually -- succeeds and -- your name is hot grilled cheese Korea. -- -- -- -- Don't be stuck without a ship for any other seasonal employee you need look around upstate you know what about come -- -- on. 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By 589. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- That number again is 180705589. Do you fear of losing your money worries you call Phillips and Tony and 8676768. For a complimentary consultation. Welcome back to concentrate our planning Philip -- Tony dale and today we have the while playing quarterback in Fran and Brett Harkins and with us and we hope we still with us. One of the things that we run into one of the things that we run into. Is that as. The interest rates go down and seniors have harder and harder time you know making ends meet with the low interest rate environment. There are more susceptible to scams. One of the reasons were associated with friends marketing is the company's that he and it's not all we do with the company's that he deals with. He fits those companies and make sure that those companies are companies that. He would put his money -- this and that he'll staked his reputation now. But I -- lately we've had this terrible scam where this fellow was apparently sold everybody on buying -- the only thing was he didn't listen over. And has some just people coming in. Couple people now came in lost a tremendous amount of money talks but but but. Seniors are susceptible to Tony because I was talking to one that I just sort of kidding with them and they say they they not want look at something. Listen to take a little bit more risk because they. Are getting out one person and a NASA will have about an inverted Yugoslavian -- blast and fun and it that was a joke and they were damaged and now be interest in man. -- and and it was a -- Look you can't take that battery -- with your life savings. So what we do is we make sure that when you talk with us and you're dealing with any company you know. When you're dealing with Franklin Templeton well you you even know who these guys are your statements are coming from and -- not. Telling you -- we are investing with Franklin Timbaland in buying a house only key way. Yours you can call Franklin Templeton go to their website or nine will be on the statement. But you don't have any doubt where the money -- and we my picture and try our best to make sure that you feel comfortable. Bring in your children you know let's look at this explore the situation. And make sure that the one thing we won't more than anything else is that you have peace of mind. And if your play in this. Traditional. Game where when the stock markets that you're scared today than when it's down you're scared today it. You know that's that's a terrible game to play you don't have to do that we wanna give you peace and man in your retirement years. Somehow right there we lost friend on the phone so if he calls back and putting back on I think and maybe was probably one of my fat finger should have been the wrong button. Wouldn't be the first time. Must be rough but they're playing around with Manning boys and going to -- enough. -- I have other things to do it. One of the things I see a lot. When people come in they'll bring their statements. And -- when you coming just you know what happens I am. Probably never talked about this if you when you come to cinema felt when I first thing we do is we start asking you a lot of questions because our goal is. To try to understand what it is you're trying to achieve what your situation is and so forth but part of this is they will bring their statements from their current investment. Strategy of where they are. And I will ask them things like this could you tell me what your strategy for risk management is. And he'll get his blank look on their face and while I really don't know. Would you know for example in what proportion of of stocks -- equities you have vs things like bonds -- fixed assets. Well. I don't know he he said that were sort of and it's been kind of a moderate sort of portfolio will what does that mean well I'm not really sure. Trees start looking at the statement and ask you start realize these people don't even understand themselves a lot of the times what this what's on the statement again every month. And one of the things I've noticed frequently is they don't understand what share class when their -- mutual funds they are buying. So let me just give you this one this is a very good thing to do refusing to word. When you look at your statement and it's got these mutual funds and says the letter CE -- And then you're gonna have another letter CL AB. -- for -- classes. A lot of the bigger brokerage investment firms. Automatically put people -- what -- called a shares. And that BP CC LA that means you haven't they share. And what it means is that you paid an upfront commission. Of anywhere from four to 7%. On that a share plus ongoing management fees. Almost -- -- -- that you -- no had a look at that statement you don't even know that now some people do some of the more savvy investor -- bad. But a lot of people are never even it's never -- explained to him that there are options of different -- to share classes that's an important thing understand so. When you come and see us. If you're gonna learn some things that are important bits of information knowledge is powers France and and another thing happened when you come to -- yes. We first of all we tell you about things historically that have gone on in the past and how that. Gives us ideas where things are going we have done a lot of research on. The history of markets and market cycles and market bubbles and understanding history gives you a chance of seeing where things are going. And seeing more things were and are going is what you need to do if you're planning to get through the next twenty or thirty years in your life. So even if you don't end up taking our recommendations and not everybody does. And we certainly don't they were pressuring him to do it. Even if you don't do that you'll benefit. From coming to visit. Sometimes you may have to wait a week or two to get in to say yes and I was thinking about that that they and really the reason that he is. Is there'll. Planning if you're the kind of person that -- -- inverted Yugoslavian -- lots of fun. There's a lot of people out there that they had been to sell you one they'll take enormous risk with your money but this. There -- less. -- advisors out there that are really safety conscious with your retirement years and I. I'm not the kind of person that wants to have a conversation with a client that they lost 30% of their life -- I just have to throw this in because this happened to me I was having lunch with a friend of mine. Who is actually an advisory. For one of the bigger firms we were talking less safe money investing and what I do and so forth. And he said mania I really wish I could show people more of those that are -- really doesn't let us. Do hole and that's incredible I mean think about that for saying if it if you work for some plays an -- in you know what's best for somebody that you can't do it because that's not the strategy coming down from New York. I mean. If if you're not working with an advisor who as complete leeway to sell you whatever you need personally. That peacefully -- that -- here with your with the wrong for people don't understand and this is important though most of these large brokerage companies are publicly traded companies. Think about that per second what it means. Actually. Is there. Most of their loyalties to the stock colder in the profit margin. -- And therefore there are some upper level management guys in the New York someplace that did this. Given the word down to these local branches saying okay here's your products were doing here's what I want you to show people we just got to block of 101000 shares of this push it. Well that's not what we do. While we do is. Their goal is to have -- be meetings with their clients when we have happy meetings -- clients feel. -- easily -- to refer us to their brands that work. You know most of their clients not say they have number cost just come from referrals from happy clients. And so I'm not there to push something where a year later someone ready to shoot me. I'm there to give them some were a year later they -- buys a you know that was a good decision -- -- I had a good year haven't had to worry about these things about the way uncle made it wants to talk to me. And yet it still a lot of self. We just ran out of time let me remind you again how to get a hold of us it's not hard at all. You can call us 806876768. Again. 80687676. They also we have some some real interest in web site a lot of good information. Phillips is Philip Allen ink dot com. Minus Tony deal in -- dot com mean find out all about us how to get the year you know what we do and so forth. But here's the thing I'd like to leave you. Doing nothing. Is a choice to. And you keep doing nothing. And in if what you've been doing is losing you money they -- who are likely to continue down that path. Enjoy this beautiful Saturday got bush. Yes and have by all means give us rain again 806876768. Have a blessed day.