Good morning. Welcome to comment. And you look I'll. Have to deal with and more open all. Of a more appropriate or. Not. -- -- -- -- We are actually Euro and the mainstream. Are Herman. We do you money. And some of the danger in the on. We your wall like most of financial would be. Because our -- to help people are. Running. Or -- law in the market. Much of what would -- we. Are. Now I work -- capital. Of nuclear. The group is their camera and who -- don't get out and all. Programs aimed where we. A little bit. And and today I would like our rob -- Not god in him and his great game. Or brought nothing in the world and certainly can carry nothing out. Perhaps including clothing and we should begin that desire to be -- -- -- the temptation and iron in. -- our Lola was wrong -- man. And destruction and provision for the love of money. The root of all kinds of people on straight from the late in their greeting and pure and they'll route with many are. Medic and checkers and the anything. My heart that -- -- Commandos were rich and not the -- The trust in the region but in the living god who gives us were actually altering -- Let them do good. To be rich in good work ready to you're willing to share. Storing up for them no good foundation for the time to come. They may hold on to Arnold like. I away. I'd. Lost how network -- everything I own. Don't know wedeman ironically it. And that is probably one of the most importantly -- we are not important. Everything. Surrounding. Us all a matter we're -- there -- You should not worry about what going on on the market. Which should be where. I'm so. Right now. You sort of look at -- in the -- and they're gonna tell you we. We. Remember. Bill who are close. Our quarter on a high note and here's an agreement by European leaders legalized regions. A pack which helped remove them the answer to that have been -- the market. The Dow Jones might jump but the Dow Jones actually down with a quarter. And it is not a hole. A hole and that -- -- actively -- And -- warmly. Let the market the point that you're looking at how you're gonna get your your your retirement here's -- matter. What matters is what. Going to do. Twenty year. What are well on -- well. Right now all. England -- the Dow is down nine. Per cent from its all time. The and down 42. -- -- Is not. Mark to allow what's going on in Europe. What's going on in China. What's going on in Iran. To say your retirement plans are dramatically on a daily by. Article does that the poor retirement plan easily poverty on seniors and a good article -- really Tony not a lot. And talk about me any senior -- drug. That I note are you people believe managing their own retirement is a they can follow Wall Street and they'll be all right. The green after retirement to be much harder than -- Their -- about and people are generally a parade of making a retirement chilling. Any prospective retire -- operating on the financial advice that in years ago that means staying in today's market nowadays people meet the -- to live longer than their parent you pay more medical. Nursing help. In later years -- always about pre retirees. -- overnight period -- planner you're a financial -- don't leave them high. -- and drive when they need the money the most. I'm let me get back up I told -- -- going I want I want to make a point because it ties with. -- -- You're basically boils down to the simple truth. What you would hear you go to vote most. Of these brokerage and able to all you need to do every night for all legal means. Putting money in the glory of a temporary downturn in the market market. -- -- -- I'm. Averaged eight. Or when you retire you'll more than. You're probably not going to run out of money. And -- low -- Because. It sure -- we are nearly fifteen years in new century. As I just told you the people really the most broad measure of the economy looking up market down 13% and the NASDAQ down or in. Now what do you averaged -- -- you about what. What. Are -- -- -- -- and -- income and you lost thirteen. Or what every law while withdrawing. Or trying to do what they -- it to do. Well you'd. -- it was new law. You're down at. A Bjork her. So -- and they are already you can insure. Your. I'm not running out of income and you should at least began to invent gave -- these income distributions. It out of I -- I was reading earlier talked about that clients -- and one thing or the other however. Almost all want to ensure they don't outlive their money or re losing every thing when market -- The way. From there I helped cut my -- -- -- to help them achieve their financial goals. They found that Americans are only maybe a little more than a quarter what we need to retire the -- that is -- 80% of retirees will be internal security. That may or income when they stopped working leaving them under funded. For twenty years you are popular or -- or retirement you don't want a look at those. Finally years your -- to enjoy up to chance. When. You went out and talk. Him. Out of we hear. You know we hear a lot from being a broker dealer because we look at airplane and what they've come up when the -- dominant talked. And is all about the odds -- -- not running out of money. You know the people are aren't about -- -- day when they're eighty about nine years old. Even or led if you are doing Tony talking about where I don't have any money. And what urban told his well he'll do this there are only 2% chance she'll make it there -- 80% chance you might. Well the fact is that you -- insure. You know you understand the right strategies you can surely you'll run out of money if you want to remind you. It away dreaded -- we get through this -- Now there's one that there are only 2% chance shall make you want there's a ever and there -- want that absolutely guaranteed -- make this man. That was -- like you're gonna take a. Quickly -- ordered break I want to use I'm. Great. Or get in Bobby -- on we and we are on Monday the couple really really -- interview there's a new book high on call and number one on the New York Times they tell -- And from India and the main thing for. You -- -- probably read reviews and blog and in that market and will be on or clock. On them. And or thirty -- all of amateur which would. Is -- that interview all the people who knew Barack Obama years back and you. I'd look into who really isn't who -- isn't Valerie Jarrett -- -- it will -- you. When you -- Who -- -- why but. I'm all that coming up more content and got a break back after. -- 67. -- It. Welcome to common retirement planning -- Gallup Allen. With my good friend and co host Tony dale. Tony and I just got back from a week and bank and it had never heard of bad but -- there. Original. National park out of Calgary in the Canadian Rockies lately. Is beautiful how are in the upper lake he and that it was cooler and we get back here. Out you know 105 degrees. You can imagine a 105 degrees -- oddity is cute they are that this morning they have their military request to be water boarded. -- -- it's getting dirty back at them. Abandon the Cheney. Look -- wanna warm water waterborne and but. That don't ever saying any thing about it being -- around here on by and take photos I'll talk about how hot it was you know -- last night Andre -- It apparently raised a 140 degrees. -- -- In San Antonio today. But I would you. Go look in the almanac which is -- every. -- -- all across country and they. Are only. Heard most uncomfortable -- in the nation. Climb in -- why. Would -- hear -- dry heat okay. Well it is and where did not -- Tony a 130 miles from the co. The gulf of almost blows right on -- -- -- trapped there -- it goes up into the hill country and in discount. -- Antonio. He's pretty I wonder why do. World the people who live -- hot climate. The make. I heard it was it was hot as Billy didn't -- Not pretty. Your Columbia was this one on the season in. Forbes magazine eating this place to live on the Columbia. Is hot. It was -- and well probably the number and and nobody on this it was a war with Columbia what would you go to Columbia go to Columbia and trouble. -- -- Or or -- -- girl -- a moment -- remember what your typical -- automation of the vote there are left. Promo I don't mean belabor this but there's no real connection made -- -- body -- going on right now. Are good talent. -- people. But I'm in Kenya and I didn't think he can enter and you'll hear. The final. -- also mark Reid and the Mandela's. Great and one of the class. And knows Darryl Worley who is gonna cut all going to be contingent coup in a national connection online. -- -- the -- connection dot com you can find out about it and all the pro line behind. It. Is there are going to go our moms and they're the ones are bringing the Vietnam wall are very worried. That. The last article are rated do you think -- article -- Tony in honor quit that -- be the cure -- and eliminate the -- and your retirement. Want you to understand that this environment that we're going into you take your life savings into the environment need to be here. This out of Yahoo! finance US news world report can -- manager future. I don't envy you -- retirees and him to be retirees I don't think there's been a more difficult Lincoln and time to retire with the last hundred years. What disappearing and then being -- tack -- tax it to skyrocket real inflation lowering incredibly. Correlated volatility in the global market and an obvious governmental intrusion in their daily lives -- many have become India of the previous generations of retirees. I give it -- -- -- this isn't the America I was right. These aren't the marker returned many hope -- were told it may. This is the utopia price environment we've all been accustomed to it certainly is the growth and recovery we were promised. According gonna do about it. They way they are. That's not what Americans did probably an American accent isn't and ingenuity is still alive no matter how much were told to be ashamed and were told were average. What does look like to declare independence from the many hurdles they. As an -- prepare retirements. That are interested in Iraq where your client planner is lacking in take corrective action. They July is serious to treachery -- not get an opinion a -- in today's quick market. Tony in action LP if you picked up our own and give a call at 100. I have and -- Evans. 100. 8778. And let -- show you how you can -- man and security to the volatile time and our country. Well part of an all time in the week we have one of the most men like record of what was on Obama. And if I mean it is going to. Give us economy. But. It's happened at the worst part time. A cross our share giving them. A junior. Right now be moral. And all the rest of we are now over under for GDP. In the our normal growth and product. Point two brilliant. And -- point morrow. We are on Google or. Close to one trillion. In entitlement. That is so dirty Medicare Medicaid drug or drugs all. We oral Obama -- We -- entitlement. I want to share with you how much trillion actually what they -- -- -- well. The nation in three point trillion last year that -- hammered. On. A trillion dollars. You agree a hundred dollar bills you have righted the million dollars. Well. And hundred dollar bill -- add -- to a trillion. That would wait 22. Million. Pounds that is one. Trillion. Another way to look. Arm if you aren't took -- hundred dollars an actor on top of each other real impact in -- and you can only billion dollars by the time you've got a high as a commercial jetliner -- About. If you want the trillion dollars. You would need to penetrate or are in ongoing. Hundred in and he might. And our national debt eighteen point eight times that amount. Which -- act. Hundred dollar bill. 1700. And well mark how. You when -- little problem with the. At a -- -- -- work -- Supreme Court obamacare ruling means bigger more and true virus. Supreme Court ruling on obamacare get are more power than ever. It will -- -- the agency enforcing the law and collect your mandate penalty. Backgrounds say that -- you have that information about complete payroll level coverage small business as well income ball breadwinner and home in order to escalate and mandate. The -- And we are hitting in choppy time you were up. And down weight. Than any drop in like in the warm. What stock market in the world and the and we are -- Economic storm and your retirement and the reality you're going in. Wouldn't. It would be number one goal in other words make sure your boat. Well that is exactly what we. Call -- You don't. Laura. -- hardware I. Alan ink dot com or Tony -- in old dot com. And map and there we make a record right -- -- Welcome back to common retirement planning of Alan and Tony they are. There's a lot of interesting things happening around the country because the heat one is that they -- mayor Mike Bloomberg in New York drinking a big deal and yeah. Even Tony and I on the way to the station today -- dog -- you can't but they were both walking. Out we're hanging. In. Latin. And mall. And even model and -- -- that's true and in the parking lot that I have to park in the -- shady places are. Not parking place you end up getting parked there than your trapped. All the police -- that any. There's a great article that Tony and I have ran into and this for. I'm kind of sad thing that is true and you have to look at the one reason people. Do well they should with retirement planning have a hard time projecting that sales. You know when they're not years old he can get out of the chair and part of the year. Retirement planning is projecting yourself there's a program I'm sure we don't use this and I'm sure I'm a where it -- your way and they Ager they try to get into the attitude of looking picture -- older. And what are running into around. -- that we have a lot of class had a lot of class coming in their 89 a lot of those -- do you remember from one week to the next what we talked about. They're already in the early stage dementia. Some. Maybe even alzheimer's and you can't deal with people at all. And it was a shame because a lot of the marsh CEO Ian retirement plans where they asked to have pain and -- And there in capable of making the right vision that points out another article out of -- Our retirees need dementia in. A Tony and -- show you how the chicken and -- development plant -- came out leave your money and a lot of that. Depends on. Guarantee payment of life. Where he needs a lot on the money your money pass on your children but the pain guaranteed I. Article variant that a re blog. Post reported that David. Late and a talented behavioral economist at Harvard universe -- -- needed way to help minimize or an issue with the engine -- -- type of dementia in Sharon. -- -- -- -- -- The retirement income and -- is an increasingly individuals. Well being in retirement will depend on how much they have. In their -- -- a plane they'll have to figure out how best to read -- and allocate that money over twenty. To thirty years retirement. This challenge need. -- additional to and benefit plans or provides an income life in India has an hour on bill that we get out of the article your -- while we run into people who. Have managed their money down your Charles Schwab a couple of things happen. That you've got to prepare for the one that happens more often is that the man passed away. And pass this plan onto their wives who has absolutely no knowledge of what the bid nations to make points and generally a lot of times they make very bad agent or listening to some thirty Arturo rest and do invest in. In -- Yugoslavian genes are you know and -- -- -- the good. The other thing is is get older and retirement. Your decision making ability. The advantages for lot of different reasons and you're not able to make good decisions in retirement. But why -- your sharpened young and juniors is back seventy. You can establish a lion. That will give you insurance. Dementia insurance -- speak again making the wrong decision later on in not even realize. -- -- -- -- -- Lot is actually a couple of and -- just last week. Women who were little older than had been recently within just actually what you're talking about. The beauty and that we -- it. You in Canada that you know without a shadow of -- -- -- you eat your one. She's gonna have an income from England the last for the rest of her life. And and that. Ought to bring you know mine to a couple I mean. Coming into. That happened you tomorrow it doesn't matter what is going on in the economy or any race. Without a doubt you why. We'll have an income screen or the red -- even social security and draw which is usually what happens of course in -- and opera. -- income on -- -- -- articles -- more data show that natural ought to get older people on the rise. With the ability of the Internet contact millions of people and -- camera and target -- older people with Laura -- their financial problems with you good to be ruined their. The Obama. And only get work number of older individuals. Down and finding. Cognition. Inquiry. So there's a real if you know you're getting close retirement or in retirement. Just -- don't -- you don't want to do your way oh you know. When someone when -- laying there in a coma and somebody -- -- your hand and having the will for you you don't do your retirement plan that point either and so. Is important that she even though if -- good -- chairman. And a Lackey could handle this. There -- certain things you can do to ensure that when you're not as -- with your money in your cognition is not is -- that that money will be handled well for you your wife and your children. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- All the things and you know people come and bring her and where were and I thank them you know how -- -- re trying to. Do. And where a lot of the older people are running. On hold while he got one eye and he brings and and while looking at -- the truth org. That our men and women were we gonna he's eighty IE eighty. And they were on one with one of the big big. And an actual plan. In. An equity. -- an article here. -- that we won't you do realize that -- in this low interest rate environment people trying to get return. You get older your cognition is not good European Easter -- This isn't a real articles it. Beyond the tried and true -- generate intentionally lie Tony Grotrian. If you livable. Area where people routinely burn woods. Their home you might consider buying and would like not only could you would feature army could allow. Lot of that unit over a -- -- I'd blow yet is at the usual quit however you know it this way I think that that's the burning tank could be hard work yeah I think lumberjack -- not being. You are so that was number one the other world Michael. Alone all right. -- probably getting 1% on your -- you -- but your bank and your money you met her at an unsecured long ugly. Lending and take it -- look lending money to relatives detained for every note you're not gonna be paid back cut. Does that really appealing yeah. Here's the other one ran out around yeah. So you know you -- -- having after retirement and you read out around the hills nine dollars. Another one tutor. Other Ellen makes a little you have been you can. And educational Bagger and yet though that that's a good bit. Got them desperate for people that some of these ideas are totally totally off the wall. You know. Every year what -- a month ago and and you'll actually -- a lady that there we got in on. An example we're talking I I have a client who lost my. Dollar what did you client -- -- -- -- over me with. 100000. Dollars in alms. -- you've got -- and include that that we all offer library I mean I'm giving you meant by your you gonna do it. And -- McCain and -- problem at all I've got. We'll come back and more common are. Idea are you -- him. One of great -- insurance you can. They are more close to call a little bit and eighty. Making the commitment. It. You know older you get the more likely you're gonna health problems. And I quoted all inventing great quote Thomas -- everyone want a long life but no one -- -- you can't do a lot. -- even you're older -- in in chronological years. You -- an actual. Teaching I just leading to work out and their you know they're in town. In my opinion. And I train with her -- personal training. I that he would. You got personal trader I was here I was in the morning we're gonna. And it worked with used to help you -- what is your trying to do. And there's a bar and -- -- -- boot -- box do martial art and writers Gary Butler one of I -- I'm trying to divert or -- and their main improvement -- so much and you. Let go. I -- Earlier. And it. Called Ali you're earning a nice people over -- Brothers who. Rely on it and. -- -- The common retirement planning -- turn to the main drain from natural Chris. We talked clients every day that tell you told there. Financial advisor that they wanted to be -- their money going to come out of growth stocks have been dividend -- -- And as a major say it you know that. And our rhetoric I read an article morning there. Jim -- I don't at Enron the financial and regulatory authority reports 84 million dollar physical. Will go to your law. The regulatory -- US securities and self funded regulator the law 84 million last year because we industry trading and lower returns on deck for Leo Chandra who's -- out executive a six point eight million in compensation or two out and eleven. It and and report Friday that -- approval -- he's. Brokerage arm Amber's a lot of their robust regulatory our ability -- -- and let. Out a law. Was attributed to huge deterioration. In best for -- So don't -- that you have the security industry is about keeping your money they -- about Korea because people regulating. The securities industry donated their own money. I brought out there -- my talk about it. An article when you come to -- were. You when you come yet you yet. And immigration you're not gonna be shown anywhere. Because a week. Free market where they are long term bear market look in and buy one of the -- people. You we've been we control. Great. -- invest in -- -- Or that you know that. Relationship we earned it and the only. Oh really. Well in 09. Among the I have a chart and -- -- -- -- -- which I'll get. In a large -- Went down in -- -- -- -- Why -- -- pro. And the wheel and a. Tony vanguard you can -- Germany cheaper than with other. -- -- -- Brinker. Gotta be right. To our valued at any way we agree that it. If -- -- -- And this year to date and it'll. Be. An average. Don't aren't. -- Including all -- not. And all. Year long. Every law. Wildly and -- only lost one point or not. When -- -- these -- good -- -- and always mutual fund ease and art and hang him out -- It. And not -- -- You're on -- at the beginning -- your body and no load. India. And mutual. And you would only one point and while all the way on wall at these big. Mutual and -- -- An article are -- earlier talk about that day environment has nothing to do with -- you were given ten years ago and long bull market and our long bear market. In her journal -- you hear all. You need to understand that what you lot of -- -- and always get better all these articles are showing you always get better folks. These are articles like today -- the really quickly this. Harvard. -- and kids who are quickly losing their power. Out Yahoo! finance Armageddon. Happened by EU deal. Alan Greenspan out of Bloomberg Europe luckily withhold. Out of Bloomberg consumer meaning in US dolls tiring week and out of money news at a usual nervously watched darker US -- -- -- -- and at a Monday news Yale -- and money news home price could plunge even lower so he heard that would that be a good time to it's bad and good good are right now. How unprotected it. -- -- -- -- Headlines share with you don't mind if I didn't. Let me ask you might. Or might you -- or -- you organized and it would IV year ninety. You were in. And out. Okay -- -- all right do you on the verge of debt cry like Europe. Or nine -- -- big daily on the night right I'm wrong and go on vacation. Com we've got. I'll -- only go through all of them many of them. Because really it all boils down to this. -- And you -- -- an event you have the and or the emulation. Manhattan from twenty something old or. -- And years old by or you are likely to have amassed most of the -- what you're gonna. More of course you Carter and people called the red now you are tweaking back on. Because you'd be right we -- you really. The -- New York you are now in the attribution or income and how when you need to know -- your money. Because what -- now how do you make of the restaurant like -- you don't elegantly and and the problem is much of these are even people with all of the advisory firms and banks and brokerage. All I do with getting people. Right because their business model -- trying to get any. Risk taking business model into a low risk retirement environment. And they and and and it doesn't work or retirement plan didn't last and it didn't work in 2008 and or poke a little more work next time this happened out of Yahoo! finance outweighs torpedo your retirement. Too much they hit number one and your retirement savings oncology number 23 no merger plan or -- long term and that Reggie and I know retirement plan. Folks in this plan does not early making good retirement plan and you have to look likely. For your retirement needs you wanna make sure they don't outlive this money and you can go to bath and go to the Rockies and enjoy it without worrying about -- going to be broke and get back home. When we went to promote Antarctica who violated and remind you on Monday I'm -- bodies out. But we actually and are in or -- -- ought to be a natural about who Obama really. Don't promote. What do you do regal. We were there was -- him. And I. In the financial. We idle time -- my partner here was number one advisor in the entire country. Actually amendment or that a point out of overcrowding -- They. Down with these guys in here where they're doing and they all are doing and lead they aren't mine that we could. And find out when -- talk to people the one thing everybody out there who comes and is Josh show only how to make money I don't wanna run out of money -- -- -- in this -- and they're not lost money why and the dotcom crash and I do. -- does that anymore. We don't charge you. We can't download gathering from -- to -- we -- opinion. And then we will come back and show you and I recommend you do. But -- -- and prudent to lead. A little. There are tried and true way. That we can help you where there -- new ways that we can help you we. Hop but you gotta do is take the initiative to get call 1808778. And now I -- for saying that he asked. 1808. And I have to say and let -- and -- with -- and -- never heard -- -- where you'd like what we're showing you. And but I promise you it will be worth your time. And that you throw one more reminder. You can always check out where. -- ink dot com only old in little dot com. Articles and calculators. Preview where I done. By creating -- I do our web site -- -- engine optimization Michael. Let me one more time remind. -- -- -- -- -- -- -- -- -- It. And again. 1800. And I've got bush.