Theme already was arrested last month after a fight with his girlfriend led to what deputies call belligerent and hostile behavior 2 weeks later he was arrested again after shining as high beams where she would stay and shouted profanities at her daughter he has since bailed out and will find out on Monday about the status of his employment with the Osceola County District Daniel Vargas is $96.00 to be told about the Democrats' new green plan the major watershed moment Washington even sadder Jim Dupree reporting on reaction to it just up to Jamie button in the News 96.5 w. D.b.o. App tool 2 would it was 96.5 w d b o Ok it's time period this is where Orlando turns 1st for breaking news weather and traffic News 965 w. D.b.o. Weather southeast steel appliance where temperatures will remain in the seventy's as we head through this afternoon with a peak temperature of 74 degrees over the next few hours we'll see increasing clouds increasing winds and the increased chance for a few spot showers or rain chance today up at 30 percent tonight still the chance for scattered showers the low 60 from Shadowline I would just use a meteorologist Cassandra creamy. Facebook security triple team traffic Good afternoon guys taking a look at that crash we're dealing with causing having delays this is on the far away westbound just beyond I 4 you know if you're off ramp a left lane blocked this traffic report is sponsored by edible arrangements when you feel love share love and also dealing with a little bit of congestion I for westbound from Princeton over to Caylee ave you can use as we are cash for you over there down by the attractions area still seeing a little bit of congestion on the beach line west on the approach to Ai for this Valentine's Day when you feel love share love with edible arrangements fresh gas and treats order online or in store today solely in traffic on Monica Martinez News 96.5 w d b l this is News 96.5 w d b a great weekend Florida thank you so much for tuning in to guarding your nest egg with Mike Lester and the team from talent wealth management My name is Christian Charles here alongside Mike on the radio each week talking about things that matter to you and your money when you're 55 and older and how life here in Florida just changes when you start approaching or getting into retirement today we'll talk about balancing your retirement planning with caring for a loved one and also talk about what those of you listening that are $55.00 and older can do during times of market volatility that we've been seeing on and off year lightly Mike and something else I want to point out is we've made one change to the show that I think is an amazing change big change yes we fired our producer Doug when we rehired. Young and finally started acting right so he's back on the show that it's glad to have you back that note to all kidding aside we're changing the phone number we are I think it's a big deal I've been toying with this for years now we want our listeners to realize how local we are to them because literally literally we have offices throughout the state of Florida let me and the lottery then tell me if I'm missing anything so far Lando Jacksonville Palm Coast Melbourne the villages West Palm Vero Beach Ok Yeah absolutely so if you go through all the markets and we're talking a lot of phone numbers there it's starting to get to be a mouthful for us and probably our listeners and the reality is a lot of our clients travel and we do work with people throughout the United States and. So we just wanted to be easy and upfront and kind of use the word toll free as a goofy it is toll free and is make sure that the way they give us a call right yeah we're going to move to a toll free phone number and I think it's very smart too because you've got a lot of people that split their time between Florida and wherever else they may spend the other half of the year you know they never have to worry about that one number everywhere doesn't matter which office is closest to you you're listening here in Florida 833-633-9500 that's a good one to remember it up there Mike a did you pick it up yourself I did like I had more time on that question a headache there a lot of numbers out there believe or not 833-633-9500 that's 833-633-9500 toll free anywhere in the u.s. But specifically because there are so many offices here in Florida and Mike just wants to be readily available to you listening when it comes to active wealth management concerning your portfolio always find out more at guarding your nest egg dot com The easiest way to connect if you are sitting at home and just want to jump online and meet Mike and the team in advance you know governors love to talk about how great their state is or show because it's their state of course we have a new governor here in Florida oh my gosh I forgot about that you know I forgot as I've turned off the news for a little while Ok I've got to just take a deep breath after all the election Well hey there was a whole hoopla I was going to see about that thank you yeah well the people of Maine were a little surprised when their outgoing governor revealed his plan for life after politics so I'm going to retire and go to Florida. Live for our Saqlain and we know here in the sunshine state we have lower property taxes no income tax a lot of people love that of course and taxes become a big issue for us once we retire I know that through doing the show with you so I assume that more people are retiring here for more than just the weather well they are in it Florida obviously is a really really easy place to retire to particularly if you're from Maine right. I don't want to be and I mean when I think of Maine I think of lobsters we have plenty of clients general out there are you to full in the summertime bad me hey if you can retire to Florida or even spend your winners in Florida and spend your summers in Maine I think that's a perfect situation for people that are from there and certainly have a lot of clients that do that and they do it exactly right from Maine but you're a Christian when it comes to not just the weather but the cost of retirement if you live in a state where taxes are higher or in particular they have state taxes in that state that's just an extra drawdown on your portfolio which is an extra thing that you have to take into consideration and in some states it's quite high here in the state of Florida fortunately and by the way the governor conversation is kind of Porton because the other guy that was running wanted to bring a state tax to Florida right. Which was big time and hurt the amount of people that you know little or so yeah I mean so it's going to shocking to me that it was even a close you know right you would think hey this guy wants to give us all a state taxes and then people are like Elmo for him that didn't make a lot since for me but anyway at least it worked out their best way financially that's right financial If everybody but at the end of the day taxes are really really important to us here in Florida and the fact that like you said it's not just the state taxes the property tax and everything else and it's a huge piece of that financial puzzle when we're putting together financial plans for individuals Kristen every single week I'll sit down with somebody who's literally making that transition and you know it's a kind of a story that I think most people don't think about but love him soon or we're obviously working with people and we're setting up accounts for them and part of that opening an account process is getting their driver's license you know and so when they pull a driver's license out their pocket if they slide a out of state driver's license you know across the conference room table at me you know mediately my head just goes oh Ok yeah so they've got a more competent in Honestly one of the things that will bring up is just say listen how much time do you spend in the state of Florida and if it's at least 6 months or more then I'll say well. Why why don't you go get a Florida driver's license that you know just declare Florida as your state of residence because you would save so much in taxes and some people have a reason for not doing it literally some people you know obscene with a husband or wife and maybe the husband has the floor the driver's license and the wife still has the state driver's license but it's critically important to understand all those pieces of the puzzle when you're putting together your financial plan for retirement I know that you know we've seen volatility in markets here lately and people think primarily about how much money they're making or how much money they're losing in their portfolio that is the other way losing a lot of money to literally exactly what taxes you could be losing a ton there as well so I mean if you're paying 6 percent in your income in taxes because you have a state tax in addition to the federal tax Well that's 6 percent we could save somebody you know just by having them move the state of Florida so that's why we refer to our financial plans as comprehensive because we are looking at all of the aspects of retirement not just the investment some cells although that's that's a huge part of it for us but we have estate planning attorneys that we work with to help clients we have C.P.A.'s and c f P's that we work with to help our clients out we just want to make sure that these financial plans are as efficient as they possibly can be and sort of so to me that means how do we make sure that you're getting the highest rate of return you can net of any fee that you're paying in addition to that let's make sure that you're not taking more risk than you have to be taking to get that return because time and time again we see people now say well I'm averaging 89 percent of my portfolio but sometimes are taking twice as much risk as they need to take to get that right so if we can reduce the amount of us or take to get that return and then we start getting into taxes and making sure they're not paying more in taxes than they need to be paying we're getting towards the end of the year here people should be looking at taxes take into consideration things like tax loss harvesting before the end of the year all of these things are important and I could ramble on and on and on but it's a lot easier Kristen if I just sit down face to face with somebody the office we do that initial meeting going to get to know you talk about where you're at where you want to be talk about that transition into retirement or if you're currently retired talk about. How to keep you that way and will do that analysis of your current portfolio find out if you're efficient or not when it comes to returns and fees and risk but it also will help you put together a financial plan and again that is comprehensive if it does include all of that what I'd say is if you want to give us a call the next 10 minutes we can do that for you complimentary 833-633-9500 call within the next 10 minutes that comprehensive financial plan which covers issues like market volatility making sure you're paying an appropriate amount of fees and taxes in retirement many other things too that's why it's comprehensive it's a $1500.00 value but it's complementary if you call within the next 10 minutes 833-633-9500 you can sit down with Mike in the team right here in Florida and have them put that together for you at no charge you can also find out more and connect at guarding your nest egg dot com there was a recent article in Kiplinger saying that one of the most polarizing retirement planning tools out there is the annuity you know it's going to say that you know it yeah and some advisors love them others don't right I know you have very mixed feelings not really that mixed your strong feelings about the new ities Yeah out there what's your advice for listeners who might be considering one as part of their overall strategy because I mean obviously we should just have one thing as part of our retirement no matter what it is right yes so new it is interesting I mean some people consider it a 4 letter word people come into the office and they're go some people say you're the guy that hates annuities right and I'm like well hates kind of a strong word I hate how they're marketed and I'm sure I hate the product itself and then some pleasurable come to my office and they'll say you don't do annuities do you you know almost like I'm going to walk out if you even bring up the word annuity so annuities are extremely polarizing some people really like them other people hate them I think the biggest thing is they're probably misunderstood and they're misunderstood because there are a lot of advisors that are just selling them to get that commission and it's very transactional you know. They they know if they can get you to commit to putting you know some of your money or all of your money into the annuity product they're going to get a commission and then they can go on to the next person and try to convince them to do the same thing and nobody wants to get sold anything Christian right and people are looking for a solution to their problems so if I was to describe an annuity what I would say is 1st of all we've got to get the facts we got to understand exactly what the new will do but then also what it won't do for you I think it's unfair there are people out there saying annuities going to guarantee you 5 percent or 6 percent or 7 percent on your money and telling people that you know you're going to get that 56 or 7 percent on their money with no risk and that's just not true there's no such thing as an annuity that will guarantee that your principle will grow at 5 percent or 6 percent or 7 or 8 or what have you well then how are we hearing advertisements like that that's what confused me and everybody else Sure I mean people go Well they're saying on the radio or they're getting interested when are must be true and the issue is it's not it's there they're twisting the words and it gets confusing if we talk about it here on the radio but essentially there's a difference between your money and then what they're calling and income a guaranteed income you can get for the rest of your life and so they'll give you increases in a bucket of money inside that annuity that is not your money you can't walk away with that and that's where the confusion people are thinking well I was told I'm guaranteed to get 8 percent per year and so my principal clearly must be increasing by 8 percent per year and that's just not happening and what I'd say is if you're considering an annuity and somebody has told you you're guaranteed you know anything at 5 percent or higher or if they're offering you a big giant bonus to go into the annuity you have to ask yourself why how can I how can that company afford to give me I don't know if you know 10 percent or 15 percent or 20 percent or 25 percent you know whatever the big bonuses how could they possibly be able to afford to do that I mean there's got to be a catch in and that's where the fine print becomes extremely important and that's really I think if I could give anybody a message about an annuity I would say I understand the fine print and it's really hard to do talking to the sales person right as they're instead of ice to get the. Her little body has sailed under will bias so that's what we do for a listers literally every week somebody will come in with either with a question about a current nobody that they have or maybe some is trying to sell an annuity and they just want to get the facts so we're able to detail those facts you know all that fine print and that a new disclosure in basically a 2 page report Ok and I think if you get that in a meeting tiny print is not entirely right and if you just if you can just get the facts and have somebody help you understand how it works maybe the pros and the concert right and you can weigh them then you'll know whether it's either if you're currently in the whether it's good for you moving forward or if you're considering getting an annuity whether you should go through with it or not and frankly for some so I mean a lot of people on both sides but a lot of people are in annuities right now they don't think they can get out we have a lot of ways that we've been I'll show people how to get out of those annuities and not have to pay huge penalties that sort of a thing or also show somebody an alternative to a new program is maybe better for what they're looking to accomplish but the other way get the facts if you want to call the next 10 minutes we can do that we call an annuity stress test but we can do that for you complimentary and that's a 250 dollar value because it involves taking all that information that's in that product in that annuity and really dialing in what you have and putting it into a simple 2 page report so if you'd like that a new t. Stress test on complementary at no charge call within the next 10 minutes you'll speak to Mike or another team member here in Florida off the air and they'll set up a time to do that at no charge 833-633-9500 that's 833-633-9500 connect as well as guarding your nest egg dot com Up next a flashback to one of the most popular movies of the late seventy's and at what age should we begin to seriously plan for retirement more detail it out next on guarding our nest egg with my cholesterol a talented man. To the days immediately after. 3. Amid of measles outbreak lawmakers in Washington State heard testimony on a bill that would remove parents' ability to claim a personal or philosophical exemption for their children still Orange County Records another homicide I should get a home south of a popped up with your gusting to $24.00 bottles an hour but we are warming up at a few scattered showers along the Space Coast showing a new study $6.00 w d b o interactive weather radar 75 in Orlando when you get the app you get our alerts stay connected to breaking news with our free and listen everywhere you go this is News 96.5 w d b o where Orlando turns 1st for breaking news to weather weather and stress this hour was paid for by the host and does not reflect the opinion of News $96.00 p. D.b.o. Oh oh oh oh. Oh my goodness that from the movie Animal House this is going to be all of my class our talent we know not miss something and a lot of people especially women didn't get into the whole animal house they came out in 1970 eight's it's all about that Greek life of you know the people that didn't fit in I would probably have been a part of that group I'll be honest with you I never got into Greek life I only went to a 2 year college was part of the reason now and the reason is I don't think I would have liked it but I don't know I never had the opportunity were you part of Greek life when you were u.s. I didn't it was interesting no I mean I went to and I wound up at Florida with a very close group of friends that and we all can have them pay for yeah I didn't say forget about feel anything. So our t. Had a real close close for friends we you know we go and you know we get a 3 bedroom or 4 bedroom apartment we got our own little private fraternity one of my best friends though he we all graduated a little before him he stayed on for another year or 2 to get a little more on to his degree I guess but essentially as soon as we left he immediately joined a fraternity. He needed that he wanted a gun now so yeah I mean I get it yeah but it's a great movie when you think of a fraternity and Animal House who could forget this line from Dean warm or drunken stupor there's no way to go through life so it is when you're in a fraternity It sounds like at least according to the movie but I mean not preparing for a future is also no way to go through life that made you could be fat and kind of out of it at the same time but that's just a juror and there what should we really start thinking about retirement and I don't mean that is vague as it sounds I mean obviously you know we're thinking about it our working years we've got that for a one k. At t.s.p. Something like that so it's on our mind but when should we really start dialing in what that retirement going to look like well so I mean we need to dial it in early on the only way to to prepare for and it's really really boring I understand and it's the same you know it's the old advice that you've gotten but max out your 4 a one k. And get the matches you know pay yourself 1st meaning put money into a retirement plan before you you know get a bigger house or a nicer car or what have you I mean all of those things are really really important now I'll tell you I don't spend time giving advice to people on how to build a nest egg right you don't talk to people in their twenty's or thirty's or early forty's who haven't really done it not that we don't want to just not our business model there are some companies out there that are way better at showing people how to do that type of investing and what I mean by that is if you want to put some money away on a monthly basis and have a grow towards retirement over a $20.00 or 30 or 40 year period of time there are some great companies that do that and what we do is we work specifically with individuals that are the retired or very close to it all of our clients are typically within at least 5 years of retirement a lot of them are currently retired and what they have in common is there they have a nest egg because he's been the time building the nest egg that's great and you need an adviser for that probably maybe I don't know but guarding the nest egg is a whole different ballgame so it's different so people are making a transition so if you spend 20 or 30 or 40 years saving. For retirement you got really really good at setting that money aside but then suddenly you're about to retire and you start wondering how to put those pieces together because you're going to stop getting that paycheck from your employer and their transition to unemployment right and that is scary when you put it that way we're transitioning to unemployment you are you unemployment so you're not going to get that paycheck anymore in the paycheck was literally a I mean as it was a security blanket for us for a lots and lots and lots of years I we all based what we could spend on a monthly basis on how much the paycheck was right we based how much house we could have when of a car we could have what type of vacation would come in a question we could go on it was all based on our salary and so that salary goes away and now we're looking at well I'm so security how much am I going to get when should I take it all of that health care how my going to pay for that some property lose it when I enter from my employer but then also we're doing the exact opposite of putting money into our retirement account or actually pulling it out and we have to figure out not just the mechanics of getting it out of our investments into our checking account because there's mechanics so that you know how much do I pull out what I sell 1st how do you know that your government along the way and I'm going to last you know the mechanics of it or a piece but then also how do I invest the money so that I can get a rate of return that's high enough net of any fee that I have to pay but I have to find a way to get a rate of return high enough to supplement my income over time but has to be adjusted for inflation and axes and all that moving forward if I can't get an inflation adjusted income then I'm going to have a problem and I won't be able to maintain my current standard of living and I don't mean anybody who wants their standard of living to start going down and return right so all those things are really really important and when it comes to thinking about retirement Yeah I think about it early but we're talking people who need to be thinking about the transition right if they're in their fifty's or early sixty's right now and I'd say you're within 5 years of retirement and you have to figure out how to make that transition and make sure you're positioned properly to make it you should be concerned about things like well what if markets don't do well right I'm not a human gloom guy but every. Day we move forward with the market crash we're close to the next market crash right and so what I would say is I would be shocked at all if we have a market crash within the next 5 years you need to plan for that right what are going to do and have a plan for her money's going to work but then also just consider where you're at you have to figure how to make the transition which is why we put together these financial plans for individuals that are looking at transitioning or people that are currently retired and they're just not confident in their current plan right or not confident that if the market crashes their portfolio won't crash where there are strategies to help you you know be more active in that portfolio and have your portfolio actively managed so that if there is a market crash at least somebody is doing something about it yet not going to waiting on it to come back up you want to be proactive not reactive in that situation and literally that's the that the type of meeting that I have every week when people call in and they say listen I like to come sit down I'd like to do you know have you do an analysis for me I'd like to have you put together a financial plan for me or explaining all of that to our listeners on a weekly basis and you know the best way to have that happen obviously is to reach out if you don't call we don't realize you're sitting there in your car right now or are not or are you know and I don't think you can predict the market you're not psychic and can't predict you need your help you know but if you like give us a call again where we stay pretty busy every week but if you give us a call the next 10 minutes we'll make sure we find a place for you and we'll sit down and we'll do that analysis and comprehensive financial plan complimentary 833-633-9500 call within the next 10 minutes that comprehensive financial plan has a $1500.00 value but complimentary if you do call in the next 10 minutes 833-633-9500 you'll speak to Mike or another team member right here in Florida and they'll set up a time to sit down with you and do that comprehensive financial plan at no charge can act as well like guarding your nest egg dot com The Washington Post notes that people who divorce or those who are widowed often remarry younger people I don't need to look at the Washington Post for that I mean that just seems to be more common than I say it out on the street trying. Those around the other night at work wherever you are either special retirement planning issues though for couples who have an age gap like that because I mean just friends that we have between you and I I can think of some of them have 1520 years between up here yeah yeah I mean there's a 1000000 reasons that an initial marriage doesn't work out and maybe somebody finds themselves transitioning you know maybe they're like me I was single way too long laundry get married one that's right one day I mean it is our word for you if there if there's an age difference whether you know a person it doesn't matter if the husband has 15 years on the wife or if the wife has 15 years on the husband at the end of the day but we do have to look at real life and important factors and the reality is if there's an age difference that there's a higher probability that one of us is going to spend some time alone yes just how it works right and you need to understand how the money is working for you moving forward because a lot of times maybe a certain portion of that retirement income is directly associated with with just one individual or not both Ok sometimes the amount of income you can get in retirement is based on your age depending on how you're invested so there's a lot of factors that go in security right now it's not there early so you can declare security unless you have some sort of a disability is $62.00 if there's a 15 year age gap right that's something else you need to look at so how the money is invested and where the income comes from becomes very important and certainly if you're the older one you want to take care of that loved one who's significantly younger you want to make sure you're positioned so that the money is going to last not just for your life but at least in our example we're talking about 15 years at least an extra 15 years beyond your life expectancy so it's a longer period of time it becomes that much more important that you do the proper planning and the very loving thing to do to it sounds like absolutely it's not uncommon at all I mean we at least once a week will will be in a situation like that of the office and bottom line we're just putting together a financial plan that is specific to that couple's needs right if you're both 80 it's going to look different than if you're both 60 you know type of thing and if you've got a big age difference is going to. Areas well so I know we talk a lot about financial planning I know we talk a lot about having a financial plan understanding it we talk about fees we talk about efficiency in portfolios to me it's just critical that you understand your money how it works and how to be as efficient as possible we all of the highest rate of return we can get but what I know about our clients is they're not willing to take a lot of risk to get there right so they would prefer active management and most people just don't understand how that works they want to learn more about it so it's exactly what I can show you at the office if you want to give us a call what we can do is that analysis of your current portfolio and explain to you how active or tactical management works and share some ideas with you because we can get you more efficient their financial planning we want to do that for you and if you give us a call the next 10 minutes will do the analysis and the comprehensive financial plan for you complimentary that active wealth management is so important for many different reasons but especially because your situation listening today is different than anyone else's it needs to be personalized for you and Mike accomplishes that with that comprehensive financial plan $1500.00 value complimentary if you call within the next 10 minutes speak to a team member right here in Florida and set that up 833-633-9500 that's 833-633-9500 connect to it guarding your nest egg dot com Up next how to balance your own retirement planning with caring for a loved one a lot of folks struggling with that plus what those of us over 55 should be doing during times of volatility on the market starting your nest egg with my pastor a talent management. The natural planning is kind of like doing a jigsaw puzzle your investments your retirement plan and your catch strategy are pieces of the puzzle my cholesterol Talum wealth management can help you fit them all together for a complete financial picture call 833-633-9500 or visit burning your nest egg dot com. Uses news maybe $6.00 w d b o or Lego turns 1st for breaking news story from a 24 hours a day. It starts now. To 30 good news on the 6.5 w d b o a watch of some showers coming in off the coastal track and for you on radar in just about half a minute our top story Orange County deputies say they're investigating a double shooting that took place last night in the Apapa area they say just before midnight police responded to a shooting on South Ocean Avenue once there they found 2 men in their twenty's with gunshot wounds and one of them died at the scene while the other is in serious condition at the hospital and Daniel Vargas you can follow along with new developments in the story as we get them in the News 96.50 app this is news maybe 6.5 something you feel for Lego turns 1st breaking news weather and traffic will continue that chance for a few spots showers this afternoon and tomorrow afternoon not as hot as we've had the last couple of days from going on line I would miss News a meteorologist Cassandra Craney I mean who all want to if you are very light showers moving off the coast around New Smyrna one of them has made it to Winter Springs before falling apart we've got to cloudy and 75 in Orlando for 2 years of battle governor says he wants to spend the remaining 3 years of his term pursuing racial equity and whatever else North told his staff he does not plan to resign after a racist photos surfaced from his medical school yearbook he is not the only politician in trouble in that state attorney general Mark Herring has since admitted that he too dressed in black face when he was a college student and lieutenant governor Justin Fairfax is facing accusations of sexual assault by 2 women a powerful winter storm is disrupting travel in the Seattle area tens of thousands losing power Washington's governor declaring a state of emergency more than 8 inches of snow has fallen already in parts of Seattle England's 97 year old Prince Philip he's decided to stop driving we told you last month he was involved in a collision that left 2 women injured to 32 a News 96.5 w. D.b.o. Fave Sean Hannity and you are listening to News 965 w d b o where Orlando turn. For breaking news weather and traffic 24 hours a day. Weather. The steel appliance where temperatures will remain in the seventy's as we head through this afternoon with the peak temperature of 74 degrees over the next few hours we'll see increasing clouds increasing winds and the increased chance for a few spots showers are a chance today up at 30 percent tonight still the chance for scattered showers the low 60 from Shadowline I would just use a meteorologist Cassandra creamy. Face such security triple team traffic Good afternoon guys take a look at those roads still dealing with an earlier accident the good news is heavy delays have subsided this is over on the 4 o 8 westbound just before I 4 you still have your off ramp left lane blocked and we do have an abandoned vehicle I 4 eastbound at the $423.00 that's blocking the right lane that's causing those medium to have your delays down by the attractions area beach line west on the approach to Ai for medium to have your delays but the good news is they are free of crashes over there to the traffic Martinez News 96.5 w. D.v. . This is a gentleman I would his news chief meteorologist Tom Terris is where Orlando turns 1st for breaking news here in traffic News 96.5 w d v Ok Joe Kelly join me for Orlando's Morning News every weekday morning starting at 5 just ask Alexa to set an alarm and wake up to News 96.5 And when you get in your car listen to 96.5 f.m. I'll make sure to get you to work on time with triple team traffic and help you get around the changes from the I 4 to my project our Ask the experts we get it to you News 96.5. Securities offer 30 C.M.'s Securities Inc Miller Finra s.i.p.c. 2230 town like Parkway building 800 sleep 130 Woodstock Georgia 301-894-0489 extension 8733 . Starting next day with my cluster of talent oh well so management always online at guarding your nest egg dot com 979 the Eagles release that one the long run fun story one not so fun interesting story behind that song there were company offered them a $1000000.00 bonus if they could finish the album in time for Christmas nice all cared to dangle there are all about it some bigger care and $79.00 that's no kidding think about it back then well they missed the deadline by more than a year and missed out on that $1000000.00 in 1979 but there's you know what they'll be worth today what would I have no idea Ok. Saying get out the calculator get out of that was their last album too before the group broke up so clearly they were not cohesive about a lot of things that that time apparently Yeah I don't know the Eagles one of those groups that have had a lot of up and downs and they're still touring obviously they're missing a key member because that's just the way life works sometimes but the long run they could have had a $1000000.00 bonus if they had finished it in time for Christmas it kind of our minds me of how I am just as bad about this I would figure it out for a $1000000.00 We all procrastinate Mike we does things off yeah we know that Ok we've got to say we've got invest I mean you don't help people that are in that saving and accumulating phase of retirement but a lot of people put that part of their life off sure but then you've got the people that have saved and accumulated and now they're maybe 5 or so years away from retirement or they're already retired they've put off putting together an actual plan for that 2nd part of life they have the things I want to deal with it a lot of people have and I never get maybe I don't know sure I think we all get very very busy out of sight out of mind when markets are doing well people don't tend to worry about their portfolios very much let me tell you in 2000 a day I was worried you're right you know and then when markets get really really bad people worry sometimes worries so much to the point where they won't even open their statement you know in there for all I care something like that reminds me when every time we see volatility in markets more than once I've been traveling or met somebody and. And I should on the plane exit somebody or what have you and you can do a conversation about well what do you do for a living and what do you know back and forth and if I tell somebody I'm an investment advisor and explain what I do and markets aren't doing well let me go that must be really terrible you're gonna see you know they just so they they assume it's really really awful when markets are doing bad what's interesting is it's the complete opposite right so 1st of all when markets are doing terrible because our portfolios are actively manage or are very tactical typically our clients are very appreciative of that right because we're not changing anything changes that are making changes and we're not just telling them Hey don't worry hang in there I eventually come back so that's probably that the main reason it's not an issue for us but but the other issue and we are talking about procrastinating is the busiest times for us are when there is volatility in markets it's not because our clients are calling off the hook or our clients are and we're here we're right it's not crazy busy with our clients it's crazy busy with people who aren't clients want more information or who have been listening to a radio show for a long time and and it's going but the procrastination is we we tend to you know focus on because only so much time the day right and so we all time management and we aren't addressing the financial issues as much because it's not an immediate need when I'm in the middle I am right there and it becomes an immediate need I mean lately we've had a lot of volatility in markets and so we have been super busy and it's great you know for us we like being busy and we love sharing as much information as we can with as many people as possible to get Don't procrastinate and if this market volatility has you concerned I'd say if you're concerned you might there may be a reason I mean if you're super comfortable with your plan and you're not worried at all you probably have a great plan right now probably you know somewhere along the way there's a reason for that confidence but if you don't have a lot of confidence there may be a reason for that you by Want to know more about your portfolio you know find out what your portfolio is likely to do if markets don't do well or crash find out but at the same time what is your likelihood of markets. Well know both sides then have a plan for you know understand how much risk you're taking to get whatever your average rate of return is understand how much you're paying in fees if we can help people you know just this radio program or meetings that we have in the office help people get more efficient in their portfolios they're going to be more successful in retirement and a big part of that is helping them understand their portfolio how it works and sometimes Christian it is just a couple little tweaks right little bit here a little bit there and suddenly you know we're looking at lower fees higher average rates of return and a lot less risk to get there and to me I have the most rewarding job in the world you know helping people is some cheesy to say it but you know helping people retire successfully I don't say bring my boring but the comfort that people get is it's really great let me tell you what you've done right now Mike and you don't even realize you've done it there is a couple listening in the car right now driving through our great state of Florida and they're now arguing and I'll tell you why this progress the nation conversation with your husband you get it now the financial stuff you're on top of in the household but most husbands if it's not their area of expertise they put it off oh we'll take care of that later we'll take care of that later and wives typically as a women we're more concerned or more conservative we worry a little bit more about the future and some stories you know and I guarantee you right now there is a wife going I told you we do not need to put this off yes the market's doing you know it's up but there's been volatility that's our warning sign Don't wait until it's bad honey we've got to call we've got to go in and take care of this now why do you want to put this off that fight is happening right now and that's Ok yeah that's real life that people want to procrastinate and then you're right then they wait till things are down and you know how much have you lost in that how much did that procrastination really cost you and that is why it's important that you take initiative and address that now a comprehensive financial plan is something that Mike has been doing for years a talent wealth management for people just like you listening that are $5055.00 and older you're nearing or in retirement and it's a $1500.00 value it involves looking at your end. Hire plan looking at volatility looking at taxes and retirement making sure you're efficient they're efficient with fees and making sure that whatever is going on with your portfolio that you're using active wealth management to plan for the most success in your future that's personalized for you that's a $1500.00 value but if you call within the next 10 minutes Mike in the team can do that for you complimentary 833-633-9500 that's 833-633-9500 they can sit down with you here in Florida if you can hear the radio show they have got an office near you can act as well at guarding your nest egg dot com According to our next avenue article millions of Americans are struggling to care for aging parents who suffer from things like dimension and other serious health issues and Merrill Lynch's Kevin Crane tells Fox Business that much of the burden is actually financial There are $40000000.00 Americans today that are caregivers for family $190000000000.00 of their spending of their own money I mean 90 percent of the caregivers and some I give either financial support or give their own finances to care for loved ones so it's a tremendous issue my kids have made no secret about this to you on a personal level off the air that my parents had some serious health issues in recent years I mean things are going great now but I started to think about this am I going to be faced with the situation in the future I don't know I'm a little young for that but what would be your advice to listeners who might be trying to balance their own retirement planning their own retirement spending while caring for a loved one because I have a lot of friends who are paying for high end assisted living communities for parents and things right that you know so I always worry because we feel like I'm a broken record because I guess is because I believe in this process of financial planning so much you know so it's very easy for me to say when when when you ask that type of a question listen if you're in that situation and you're you feel like at some point you will be caring for you know aging parents and we have lots of lot. The clients that are doing this some examples would be a lot of clients will move those you know those parents into their home typically it's after easy if not both of them you know one of those passed away in the move one of them into their home a lot of times are moving them into you know maybe they need too much care or too much supervision and then they're having to consider assisted living facilities or long term care facilities all of this are hiring in a home care and home care going that they'll Yeah and bottom line it's expensive and that's why financial planning is a big part of that aspect so many many times you have to consider that this aging parent is going to have income right so that's the 1st thing and so maybe they haven't come through pensions maybe they haven't come through certainly social security and then possibly have some assets and the question becomes what happens when we burn through those assets you know then what do we do where is the money going to come from or what if they don't have enough from a pension or what if you know security is going to cover all the expenses it's very very expensive it could easily be $5000.00 a month right and a lot of people didn't budget an extra $5000.00 a month into their personal financial plan but also a lot of us are going to let mom and dad of course not not be taken care of so I have is part of the financial planning process is one of the questions that we ask we do help people in that situation that really really just need to understand what they need to be doing not just to protect their their loved ones their parents but also to protect themselves right there are a lot of programs that are available but it's that making sure that your money is invested in a way so that if you do have to pay for that market volatility is going to become an issue and then also if you're not sure you need to pay for it but you know it's sort of a what if just go ahead add a buffer in there but it it does go back to the financial planning process and understanding your money how it works understanding what you can spend what you can't spend and literally it sounds really really boring Kristen but if you're in that situation something you're budgeting for right like say it's boring it's generic but you've got to build that into the plan if you're in that situation those plans are so important and it goes back to controlling what we can control because often we. I feel like those things are beyond our control totally but we can control the budget around it and how we're going to help that person or take care of ourselves but what else can we truly control when it comes to the future of our money because when we talk about things like market volatility I have 0 control watching Fox Business right now you know what happens with the Dow Sure well we don't day to day but what we can do and it's a lot of fun at the office so when I walk people through our financial planning process and I show them what we do and how we do it and I show them you know certain indicators when these things happen markets typically crash when these things happen markets typically rally and you show them on a you know chart how over a period of time how often markets crash how often markets rally and how everything lines up and they can literally see it I mean I'm I'm kind of a show me person not a tell me right and I feel most people are kind of a combination of everyone you know and audio but being able to sit down and go through that process and show people exactly how things work and the way I phrase it is you know you can't time markets such it's very very true you're never going to be able to always sell the high and you can never always buy at the low but what you can do is be more intelligent about investing you can be a smarter investor and so what we want to do is we'll be smarter about our money and when certain things happen we know markets are very very likely to crash they don't always crash right but the probability of a crash is very high if we know that's going on why we want we want money in equities at that point time let's look at it doesn't make sense right vice versa we know when certain things happen markets are very likely to rally Well I probably want more money in equities at that point in time so if I can be smarter and invest my money that way what's going to happen is I'm still going to capture the majority of the gains right but I'm also going to avoid the majority of the losses and I'm going to part of my retirement your fee based advisors were fiduciary so we charge a fee to manage a portfolio and we have to provide value if I can show somebody how to get a higher average rate of return at our feet than what they're currently doing we're providing value if I can on a sickly you're going to do better when your client does better too and when they don't do well you don't do well actually we have a vest that we were only commission basis here. We have a vested interest in our clients doing well right because if they're doing well we're doing well so taking care of their money is very important to us helping them grow their money despite that the fact that they're taking withdrawals from it is very important to us by the way it's also what's important to our clients so it's a symbiotic relationship and that's why we do our comprehensive planning process that's why we do the analysis of portfolios and what I'd say is if you want to come sit down and learn more about us what we do and how we do it give us a call in next 10 minutes we'll sit down with you and now says if your current portfolio help you get more efficient there but will also put together a comprehensive financial plan for you to walk out of our office with it you can implement it on your own if you like if you want to help you out that's fine too but give us a call the next 10 minutes so that we can get that done for you 833-633-9500 Mike in the team are standing by here in Florida to speak to you off the air and if you can hear this radio show they have an office near you and can do that comprehensive financial plan a 1500 dollar value at no charge if you call within the next 10 minutes 833-633-9500 you can always find out more guarding your nest egg dot com Should you pay off your mortgage before you retire that's a big question for a lot of people will address that and more next on guarding your nest egg but my question of talent wealth management. Any comments regarding safe and secure investments in guaranteed income streams refer only to fixed insurance products they do not refer in any way to securities or investment advisory products thinks insurance an annuity product guarantees are subject to the claims pain ability of the issuing company and are not offered by retirement while the Pfizer's. Know that the days immediately go 3 free passage to sit Senate Democrat it was a bit worn I don't see her bid for the presidency in 2020 big country has no place in the oval office till the President gets to do physical abuse at 3 did he pass blood. We have winds gusting over 20 miles an hour and a few coastal showers showing up to study $6.00 w. D.b.o. Interactive weather radars up live like you did almost as far as water springs we got 75 in a lot of. News 96.5 w d b o f l. Media Groups to do it by yourself window solution is for them to go in the news maybe 6.5. This is News 96.5 w d b o securities offer 30 c.m. Securities Inc Miller Finra s.i.p.c. 2230 town like Parkway building 800 sleep 130 Woodstock Georgia 301-894-0489 extension 8733. Is. This is going to stay with my cluster of talent Wells manager and always on line of guarding your nest egg dot com and 979 the Eagles release that one the long run fun story one not so fun interesting story behind that song the record company offered them a $1000000.00 bonus if they could finish the album in time for Christmas nice all cared to dangle their eye all about it bigger care and 79 of them no kidding think about it back then well they missed the deadline by more than a year and missed out on that $1000000.00 in 1979 but there's you know what they'll be worth today what would I have no idea Ok. Get out the calculator get out of that was their last album too before the group broke up so clearly they were not cohesive about a lot of things at that time apparently Yeah I don't know the Eagles one of those groups that have had a lot of up and downs and they're still touring obviously they're missing a key member because that's just the way life works sometimes but the long run they could have had a 1000000 dollar bonus if they had finished it in time for Christmas it kind of our minds me of how I am just as bad about this I would figure it out for a $1000000.00 We all procrastinate like we just things off yeah we know that Ok we've got to say we've got invest I mean you don't have. People that are in that saving and accumulating phase of retirement but a lot of people put that part of their life off sure but then you've got the people that have saved and accumulated and now they're maybe 5 or so years away from retirement or they're already retired they've put off putting together an actual plan for that 2nd part of life and they have those I want to deal with it a lot of people have and I never get maybe I don't know sure I think we all get very very busy out of sight out of mind when markets are doing well people don't tend to worry about their portfolios very much let me tell you in 2000 a day I was worried you're right you know and then when markets get really really bad people worry sometimes worries so much to the point where they won't even open their statement you know in there for all I care something like that reminds me when every time we see volatility in markets more than once I've been traveling or met somebody and I should on the plane x. Or somebody or what have you and you could do a conversation about well what do you do for a living and what do you know back and forth and if I tell somebody I'm an investment adviser and explain what I do and markets aren't doing well let me go that must be really terrible honestly you know they just so they they assume it's really really awful when markets are doing bad what's interesting is it's the complete opposite right so 1st of all when markets are doing terrible because our portfolios are actively manage or are very tactical typically our clients are very appreciative of that right because we're not only making changes that are making changes and we're not just telling them Hey don't worry hang in there I eventually come back so that's probably the the main reason it's not an issue for us but but the other issue and we are talking about procrastinating is the busiest times for us are when there is volatility in markets it's not because our clients are calling off the hook or our clients or. It's not crazy busy with our clients it's crazy busy with people who aren't clients want more information or who have been listening to a radio show for a long time and and it's going badly procrastination as we we tend to you know focus on because only so much time the day right and so we all time management. And we aren't addressing the financial issues as much because it's not an immediate need when I mean I am right now it becomes an immediate need I mean lately we've had a lot of volatility in markets and so we have been super busy and it's great you know for us we like being busy and we love sharing as much information as we can with as many people as possible to get Don't procrastinate and if this market volatility has you concerned I'd say if you're concerned you might there may be a reason I mean if you're super comfortable with your plan and you're not worried at all you probably have a great plan right now is probably you know somewhere along the way there's a reason for that confidence but if you don't have a lot of confidence there may be a reason for that you by Want to know more about your portfolio you know find out what your portfolio is likely to do if markets don't do well or crash find out but at the same time what is your likelihood of markets to extremely well know both sides and then have a plan for you know understand how much risk you're taking to get whatever your average rate of return is understand how much you're paying in fees if we can help people you know just this radio program or meetings that we have in the office help people get more efficient in their portfolios they're going to be more successful retirement and a big part of that is helping them understand their portfolio how it works and sometimes Kristen It is just a couple little tweaks right little bit here a little bit there and suddenly you know we're looking at lower fees higher average rates of return and a lot less risk to get there I don't know to me I have the most rewarding job in the world you know helping people it sounds cheesy to say it but you know helping people retire successfully I don't say boring but the comfort that people get is it's really great let me tell you what you've done right now Mike and you don't even realize you've done had there is a couple listening in the car right now driving through our great state of Florida and they're now arguing and I'll tell you why this progress the nation conversation here in has been you get it now the financial stuff you're on top of in the house but most husbands if it's not their area of expertise they put it off oh we'll take care of that later we'll take care of that later and wives typically as a women where more concerned or more. Server if we worry a little bit more about the future in some stories you know and I guarantee you right now there is a wife going I told you we do not need to put this off yes the market's doing you know it's up but there's been volatility that's a warning sign Don't wait until it's bad honey we've got to call we've got to go in and take care of this now why do you want to put this off that fight is happening right now and that's Ok now that's real life that people want to procrastinate and then you're right then they wait till things are down and you know how much have you lost in that how much did that procrastination really cost you know why it's important that you take initiative and address that now a comprehensive financial plan is something that Mike has been doing for years a talent wealth management for people just like you listening that are $5055.00 and older you're nearing or in retirement and it's a $1500.00 value it involves looking at your entire plan looking at volatility looking at taxes and retirement making sure you're efficient they're efficient with fees and making sure that whatever is going on with your portfolio that you're using active wealth management to plan for the most success in your future that's personalized for you that's a 15 $100.00 value but if you call within the next 10 minutes Mike in the team can do that for you complimentary 833-633-9500 that's 833-633-9500 they can sit down with you here in Florida if you can hear the radio show they have got an office near you can act as well as guarding your nest egg dot com According to our next avenue article millions of Americans are struggling to care for aging parents who suffer from things like to mention other serious health issues and Merrill Lynch's Kevin Crane tells Fox Business that much of the burden is actually financial There are $40000000.00 Americans today that are caregivers for family $190000000000.00 of their spending of their own money I mean 90 percent of the caregivers in some way give either financial support or give their own finances to care for the loved ones so it's a tremendous issue my kids have made no secret about this to you. Person level off the air that my parents had some serious health issues in recent years I mean things are going great now but I started to think about this am I going to be faced with the situation in the future I don't know I'm a little young for that but what would be your advice to listeners who might be trying to balance their own retirement planning their own retirement spending while caring for a loved one because I have a lot of friends who are paying for high end assisted living communities for parents and things right that yeah so I always worry because we feel like I'm a broken record because I guess is because I believe in this process of financial planning so much you know so it's very easy for me to say when when when you ask that type of a question and listen if you're in that situation and you're you feel like at some point you will be caring for you know aging parents and we have lots and lots of clients that are doing this some examples would be a lot of clients will move those you know their parents into their home typically it's after both of them you know one of those passed away and they'll move one of them into their home a lot of times are moving them into you know maybe they need too much care or too much supervision and they're having to consider assisted living facilities or long term care facilities all of this are hiring in a home care and home care during that Bill Yeah and bottom line it's expensive and that's why financial planning is a big part of that aspect so many many times I mean you have to consider that this aging parent is going to have income right so that's the 1st thing and so maybe they haven't come through pensions maybe they haven't come through certainly social security and then possibly have some assets and the question becomes what happens when we burn through those assets you know then what do we do where's the money going to come from or what if they don't have enough from a pension or what if you know security is going to cover all the expenses it's very very expensive it could easily be $5000.00 a month right in a lot of people didn't budget an extra $5000.00 a month into their personal financial plan but also a lot of us are going to let mom and dad of course not not be taken care of so I have is part of the financial planning process is one of the questions that we ask we do help people in that situation that. They really just need to understand what they need to be doing not just to protect their their loved ones their parents but also to protect themselves right there are a lot of programs that are available but it's that making sure that your money is invested in a way so that if you do have to pay for that market volatility isn't going to become an issue and then also if you're not sure you need to pay for it but it's sort of a what if just go ahead add a buffer in there but it it does go back to the financial planning process and understanding your money how it works understanding what you can spend what you can spend and literally it sounds really really boring Kristen but if you're in that situation something you're budgeting for right like say as boring as generic but you've got to build that into the plan if you're in that situation those plans are so important and it goes back to controlling what we can control because often we feel like those things are beyond our control totally but we can control the budget around it and how we're going to help that person or take care of ourselves but what else can we truly control when it comes to the future of our money because when we talk about things like market volatility I have 0 control watching Fox Business right now or what happens with the Dow Sure well we don't day to day but we what we can do and it's a lot of fun at the office so when I walk people through our financial planning process and I show them what we do and how we do it and I show them you know certain indicators when these things happen markets typically crash when these things happen markets typically rally and you show them on a you know chart how over a period of time how often markets crash how often markets rally and how everything lines up and they can literally see it I mean I'm I'm going to show me a person not a tell me right and I feel most people are kind of a combination of the one you know and audio but being able to sit down and go through that process and show people exactly how things work and the way I phrase it is you know you can't time markets that it's very very true you're never going to be able to always sell the high and you can never always buy at the low but what you can do is be more intelligent about investing you can be a smarter investor and so what we want to do is we'll be smarter about arm. Any when certain things happen we know markets are very very likely to crash they don't always crash right but the probability of a crash is very high if we know that's going on why we want we want money in equities at that point time it's a good story it makes sense right vice versa we know when certain things happen markets are very likely to rally Well I probably want more money in equities at that point in time so if I can be smarter and invest my money that way what's going to happen is I'm still going to capture the majority of the gains right but I'm also going to avoid the majority of the losses and I'm going to part of my retirement your fee based advisors were fiduciary so we charge a fee to manage a portfolio and we have to ride value if I can show somebody how to get a higher average rate of return at our feet than what they're currently doing we're providing value if I can all basically you're going to do better when your client does better too and when they don't do well you don't do well actually we have a vest that we were on the commission basis here we have a vested interest in our clients doing well right because if they're doing well we're doing well so taking care of their money is very important to us helping them grow their money despite the fact that they're taking withdrawals from it is very important to us by the way it's also what's important to our clients so it's a symbiotic relationship and that's why we do our comprehensive planning process that's why we do the analysis of portfolios and what I'd say is if you want to come sit down and learn more about us what we do and how we do it give us a call in next 10 minutes we'll sit down with the analysis of your current portfolio help you get more efficient there but will also put together a comprehensive financial plan for you if you walk out of our office with it you can implement it on your own if you like if you want to help you out that's fine too but give us a call the next 10 minutes so that we can get that done for you 833-633-9500 Mike in the team are standing by here in Florida to speak to you off the air and if you can hear this radio show they have an office near you and can do that conference a financial plan a $1500.00 value at no charge if you call it in the next 10 minutes 833-633-9500 you can always find out more guarding your nest egg dot com if you pay off your mortgage before you retire that's a big question for a lot of people will address that and more next on guarding your nest egg but my quest for a talent well. Management. Comments regarding safe and secure investments in guaranteed income streams refer only to 6 insurance products they do not refer in any way to securities or investment advisory products thinks insurance an annuity product guarantees are subject to the claims paying ability of the issuing company and are not offered by retirement while the Pfizer's. Is Newsnight the $6.00 w d b o Orlando turns 1st for breaking news. The 4 hours a day to get started now 3 o 3 you do is on the $6.00 w d e v e o watch a few scattered showers and this would be the weekend forecast in just 5 minutes or top story investigators in some old county hope a search warrant will uncover new evidence of the death of a band killed over a Playstation told you that Ian McLagan Jake below to use social media to lure in kill Joshua Barnes as revenge for supposedly breaking in and stealing a p.s. 4 with his new war investigators want Instagram to send in the messages from the 2 guys accounts that was supposedly used to trick Barnes both men are in jail on no bond awaiting trial next month Daniel Vargas is $96.00 to be d.b.o. News $96.00 guilty d.b.o. Orlando turns 1st for severe weather mostly cloudy skies with quick passing showers possible as we head into our evening hours from Channel 9 I wouldn't snooze I'm meteorologist Cassandra creamy I'm Dave all news on is a 25 w. D.b.o. Interactive weather radar shows just a few scattered light showers self-involved vidoe we have got cloudy at 75 in Orlando Magic but can it Larry.
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