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Navigating 50: Your Roadmap to Future Retirement Success · Money In Motion with Klaas Financial

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And our phone lines are open if you've got questions for our retirement planning professionals
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from Class Financial join this week by Malia Quavis and CJ. Closs. As
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mentioned, they come to us from Class Financial. Check out the website Class
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Financial dot com. That's k l a a s Financial dot com. You
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can learn more about Class Financial. There's separate divisions you can learn more about
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the team at Coss Financial. You can also sign up for the weekly Market
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Pulse newsletter. It's a great little weekly email that comes in your inbox once
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a week. It's got a link to this podcast most recent shows podcast as
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well as an update of what's been going on in the market. Not available
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to you at Clossfinancial dot com. That's k l a a s Financial dot
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com. They're a telephone number for the office right here in Madison. Six
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oh eight four four two five six three seven. No charge for that initial
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get to know you appointment at Loss Financial. It will be complimentary to you
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again their number six oh eight four four two five six three seven. And
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to join us with a question. We've had some great calls and some great
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questions the past couple of weeks. Weeks. Love to keep that going on.
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All I gotta do is pick up a phone, give us a call.
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Get you on the air. Six eight three two one thirteen ten.
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That's six oh eight three two one thirteen ten, without any further Ado,
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CJ. How you doing this week? I am doing great. How are
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you, Sean? I'm doing really, really well, Malia. I noticed
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the website. Yeah, yeah, the spring is in the air, isn't
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it? It is it is. I know, I'm curious why I still
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see all the snow whatever you call them, the things we stick in the
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in near the driveways for the snow plows. I know as soon as we
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even touch those, something's gonna happen. We'll just focus on those springtime ideas.
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I love it. Yeah, definitely, you're right too. It'll second
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somebody moves them. Is when we get we're gonna get three inches. So
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yeah, we won't mess with those. Yes, mentioned the website, very
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great website class financial dot com. That's Claus k l a as Financial dot
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com. There's one picture there of the umbrellas. I may have to ask
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green guy because that's it looks like it'd be a great screen saver. Nevertheless,
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we've got a whole show ahead of us a lot of stuff talk about
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me talking specifically about putting together that retirement roadmap and what all needs to go
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in when it comes to planning for your retirement. It's a really nice overview
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of some of the great stuff they do at COSS Financially. I mentioned the
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website Class financial dot com telph number six so eight four four two five six
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three seven. Don't forget no charge for the initial get to know you appoyment
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Tech Loss Financial. It will be complimentary to you speaking of that number.
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Going to hold on to its a little bit. Later on the program,
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we'll do the Closs Quiz Question Week a chance for you to win a fantastic
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prize. This week, our friends from Class Financial provided a twenty five dollars
2:31
gift card to Sephora. Again, we'll tell you a little bit later on
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in the program how you can win that gift card. Little tip with Class
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Quiz Question Week. Almost every every week, the question and answer come up
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during their conversation during the program, so it pays to pay close attention to
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the show. And before we start talking about this week's new topic, which
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is that roadmap per retirement, let's actually take a look back at last week's
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program and get the class quiz question and answer there as well. Malia.
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Yes, we had a great conversation last week saving into your employer's retirement plan
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and how important that is and the amounts you should be saving into it,
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and we had a lot of listeners for our question of the week question was
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how much can you save into your retirement plan at work into a four oh
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one K if you're over fifty in twenty twenty four multiple choice thirty thousand or
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thirty thousand, five hundred. Tom of Marshall, Wisconsin was a first one
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to call in with a correct answer and he was our winner. So congratulations
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to Tom. Listen carefully to today's question for your chance to win. Congratulations
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to Tom, and again, as Melia mentioned, we will have a chance
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for you to win. It's got to listen closely for better odds on winning.
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That will tell you how you can do a little bit later in the
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program, so we talked with CJ. Closs and Mole Equavis. Phone lines
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are open for you right now six eight three two one thirteen ten. Get
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you right on the air. That's six oh eight three two one thirteen ten.
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Of course I know we talk a lot about planning and how much it
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sense, how much sense it makes to actually have a roadmap. That is
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obviously something very important to what you guys do at Class Angel isn't at CJ.
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It is. Yeah, there's this old saying that if people have listened
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to the show, they've heard us say it before, which is, if
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you don't know where you're going, any road will get you there. And
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to a certain extent, you know, there's something you fork about the idea
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of like we're just going to get on the road and drive. Unfortunately,
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you can end up in places that you didn't intend to. So as it
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relates to retirement, the idea of getting on any road is a little bit
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scary. And so what we do is help people think about the future and
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think about good decision making with their finances to make sure that they get to
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a place that they'll actually enjoy in the future. So today our topic is
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about turning fifty and needing a roadmap to get to the retirement you want.
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While we know that many of you perhaps don't need one of these maps because
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maybe you've already spent a lot of time working on this, or maybe you're
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in finance for others of us not so much. We need some help,
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And honestly, this is normal. When we hit fifty, most of us
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have an epiphany that, even with long longevity, we're probably at least at
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the halfway point of our life. Now. I am not yet fifty,
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but I am in my forties, and I can say even in my forties,
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I'm starting to get this sense of like, oh man, I'm reaching
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some halfway markers, and so I need to slow down and assess where I
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am. So retirement that used to look quite a few years away when you
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turn fifty is now perhaps fifteen years away or less. And so the question
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is have I done or am I doing what I need to do to get
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to that retirement that would be ideal for me. So today we'll be looking
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at what items on each of your roadmaps needs to be deciphered so we can
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make the best decisions for our remaining working years. Well, we can't necessarily
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make up for lost time. We can make sure that we have a strong
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savings program in place that looks towards reducing spending if we need to, and
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ultimately reducing debt, and that can put you ahead of the game in the
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future. So that being said, our first step on our roadmaps says save
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more and maximize. So the year you turn fifty you have an advantage.
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The irs allows you to save more in your retirement plans. Since your fifties
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can be your peak earning years and plus often kids are starting to become more
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independent, depending upon when you had those kids, it's a great time to
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max out your account contribution contributions as you are able in your four O one
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K. The max salary deferral for an employee is twenty three thousand dollars in
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twenty twenty four if you're under the age of fifty, but after you turn
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fifty, you're actually allowed to contribute an additional seventy five hundred, which is
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known as a catch up contribution, making that total thirty thousand, five hundred
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dollars. So again you might go, word, I get that number.
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It's the twenty three thousand for anybody, plus the additional seventy five hundred if
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you're over the age of fifty gets you to thirty thousand, five hundred dollars
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that you could contribute to your employer sponsored retirement plan. Think four to one
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K, four H three B, four to fifty seven, so on and
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so forth. Now, if you don't qualify for a four one K or
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your employer doesn't have one, and you've been using iras, then let me
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give you those maximums. You can invest up to seven thousand dollars per year
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in twenty twenty four if you're under the age of fifty, and if you're
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over the age of fifty you get an additional one thousand dollars catch up for
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a maximum of eight thousand dollars per year. That that is a maximum that
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can be put into a traditional IRA or a roth ira, but not both.
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So that maximum is any combination thereof, or a maximum in either one
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of those. Really important stuff to know this morning with CJ. Closs,
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Emilia Quavis, our retirement planning professionals from Class Financial. If you've got a
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question, love to have you join us on the show this morning. Six
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so eight three two one thirteen ten. That's six soh eight three two one
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thirteen ten. Get you right on the air with cjn Molie. Of course,
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they come to us from Class Financial. Their website coss financial dot com
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that's k l aas Financial dot com and the telephone number six oh eight four
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four two, five, six three seven. Don't forget no charge for that
7:56
initial get to know your appointment dech class financial. It will be come elementary
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to you. Again they're number six. Soh eight four four two, five,
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six three seven c J. What would be the second reason, second
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thing in the roadmap that we need to be paying attention to. Yeah,
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good question. Stop Number two on our roadmap is a to fund a health
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savings account if you have one of these, So you do have to have
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a health insurance plan that is eligible for a health savings account. This could
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be through your employer or an individual plan, and these types of savings accounts
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you can use to pay for qualified out of pocket health care expenses. So
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think of it as I have a high enough deductible that qualifies my health insurance
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plan to be considered an HSA eligible plan. I then work either through my
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employer if they have an option, or with a local bank that offers HSA
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accounts, and I can move money into those accounts on a pre tax basis,
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so I get a tax deduction when I put those moneies in there.
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You say, well, why would I do this, because then those moneies
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can come out for things like deductibles and copays and out of pocket expenses,
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and it's tax free, so you get a deduction on the way in,
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no interest on any of the accumulation, also known as tax deferral, and
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then when it comes out, it's tax free. Believe it or not.
9:11
For everybody listening to this right now, health savings accounts are one of the
9:15
most tax preferred items in the entire IRS code. Let me repeat that health
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savings accounts are one of the most tax preferred items in the entire IRS code,
9:26
because the reason is, you think about it, everybody knows. In
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an iray you get a deduction on the way in, but then when you
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pull it out it's taxable. In a roth ira you do not get a
9:35
deduction, but then it grows tax free. Well, in a health savings
9:37
account you get both of those benefits. You get a deduction on the way
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in, deferral of growth and tax free distributions on the way out. It's
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spectacular. The issue is that it has to be used for those qualifying medical
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expenses, so it is not a retirement account, but it certainly can be
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used towards those expenses. And listen, with health care costs going up,
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I would assume that at some point throughout your life and many years into the
10:03
future, you will have plenty of reasons to use that money. Now,
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in twenty twenty four, if you have a high deductible medical plan, you
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can invest four one hundred and fifty dollars into your individual HSA as a maximum,
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or eighty three hundred dollars if it's for a family. Again, forty
10:22
one fifty if you're an individual that's the maximum, or eight thousand, three
10:24
hundred dollars if it's for a family. And what's kind of neat again back
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to this idea of catchups. If you reach age fifty five, now this
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is not fifty like we were talking about before. This is fifty five,
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your HSA catchup contribution also kicks in, and at age fifty five you can
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invest in additional one thousand dollars into these plans. So there is a stop
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number two on our roadmap. Of course, then brings us to stop number
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three as we talk with CJ. Colossimlia Quavis of class Financial, the website
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classfinancial dot com. They're telphone number six, so eight four four to two
10:56
five six three seven, and to get on the air this morning, our
11:00
number six. SOH eight three two one thirteen ten. That's SIX'SH eight three
11:03
two one thirteen ten gets you on the air with CJ Closs and Malia Quavis.
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CJ, what is stop number three? Stop number three is one we
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have talked about ad nauseum on this radio show, which is maintaining an emergency
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reserve savings account. So this is often kind of referenced as a three to
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six or three to nine months worth of living expenses. Now what's scary is
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when I say that, a lot of people go, what do you mean
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living expenses? And I say how much do you spend per month? And
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they say, I don't know? Which this is part of the problem everybody
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is if if you're answering that way when I'm talking about this, you do
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need to pause and say, hey, nobody can help me, no advisor
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or even myself if I don't even know where my money goes. So you
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do need to have a tracking mechanism in place, even if it's just a
11:52
high level tracking. I'm not saying you need to know where every penny goes.
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I'm just saying you need to generally know, on a monthly basis,
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one how much is it that you're spending? And then number two, what
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are the categories? It's going to entertainment, travel, dining out, so
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on and so forth. But if you know that number, and let's just
12:09
say it's five grand a month, well then you would know what a six
12:15
month emergency reserve would represent. You would know that you need thirty thousand dollars
12:18
in a savings account to maintain an emergency reserve. Those are meant for unexpected
12:26
financial emergencies. I say, I'm slowing down and saying unexpected, because often
12:31
we'll have people say, yeah, I funded my emergency reserve, but something
12:33
came up and the money's not there, and I go, oh, I
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didn't what happened. I didn't realize you lost your job? They said,
12:39
no, we bought a new car. That's not an emergency. You can't.
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But you can't use your emergency fund for buying a new car. I
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mean, you can use your emergency fund for anything you want to do.
12:48
To be quite frank, but what we're suggesting is that emergency funds should be
12:52
set aside for actual unexpected emergencies, the biggest of which would be an unexpected
12:58
job loss or layoff. So can not over emphasize enough this number three on
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our roadmap, which is maintaining a three to six or three to nine months
13:09
worth of living expenses in a savings account at a bank that's FDIC insured or
13:13
a CD or money market something like that that is not volatile, that is
13:18
available for unexpected emergencies. Really great guidance this morning as we take a trip
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on our roadmap of retirement planning, we're actually going to come up to our
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first intersection in just a moment as we have a conversation with CJ. Class
13:31
and Malia Quavis, our retirement planning professionals from Class Financial. Great opportunity right
13:35
now to get on the air if you've got a question. CJ and Malia
13:39
are here for you. All I get to do is pick up phone calls
13:41
at station six oh eight three two one thirteen ten. That's three two one
13:45
thirteen ten gets you on the air with CJN Malia And of course they come
13:48
to us from Class Financial the website coss Financial dot com that's k l Aasfinancial
13:54
dot com and their telephone number six oh eight four four two five six three
13:58
seven that first appointment that gets know you conversation at Coss Financial. It will
14:01
be complementary to you. It's not going to cost you a thing. Six
14:05
oh eight four four two five six three seven. Will continue down our retirement
14:09
planning roadmap with CJ and Malia and you next has Money in Motion with Coss
14:13
Financial. Continues here on thirteen ten Wiba and our phone lines are open for
14:20
you right now at six oh eight three two one thirteen ten. That's three
14:24
two one thirteen ten gets you on the air with CJ. Coss and Malia
14:26
Quavis. They are our retirement planning professionals from Class Financial. Their website Coss
14:31
financial dot com. That's k l aas Financial dot com. Telephone number six
14:35
O eight four four two five six three seven No charge that initial get to
14:39
know your appointment at Coss Financial. It will be complementary to you. Talking
14:43
this week about about a retirement roadmap and got a nice set up from CJ.
14:50
And now we kind of deal with the an intersection our roadmap that says
14:56
something about debt when we turned fifty. What do we need to know there,
14:58
Mollie, Yeah, So this is really a multi pronged look at where
15:03
you're at in life. So hence the intersection. This kind of sounds like
15:07
a game of life. It's kind of exciting as we go along this roadmap,
15:11
but the intersection is our fourth stop. And what we would say is,
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we want you to do yourself a favor today by really taking a long,
15:18
hard look at your finances, your income, expenses, and your debt.
15:24
So if you review the following areas of your finances, then you're going
15:28
to be able to have a better idea of what it's going to look like
15:31
as you get closer or into retirement. So really we want you to look
15:37
at your annual figuring out how much your annual after tax income you'll need in
15:41
retirement if you want to maintain your current standard of living. We'll discuss that
15:46
shortly. We want you to look at how much money you're spending on things
15:52
maybe you don't even really value. This is where that word budget comes up.
15:56
It's not a bad word. It's really just a a really intense look
16:00
at where those dollars come in and go out every month, and really helps
16:07
you when you look at that, because you will find items that perhaps should
16:12
be redirected to savings. And so we don't say do this because you're going
16:17
to shame yourself for past expenses, but really so it becomes obvious to you
16:22
where you can reprioritize your spending habits on things that really matter to you.
16:26
You know, maybe you're going out having coffee so many times a week,
16:30
or maybe you're paying extra for a subscription that you never ever even access anymore.
16:36
So we want to make sure that you're really allocating those dollars to the
16:40
place that makes the most sense for you now and foreign too the future.
16:45
And one goal again at this intersection about debt we talk about, and we
16:48
talk a lot about that in this show, is that we want you to
16:52
be able to get to where you want to be in retirement. And one
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of the quickest ways to do that, believe it or not, is to
16:59
be eliminating debt in your fifties so that when you're in your sixties and are
17:03
getting closer to that retirement date, you're not dealing with some extra expenses,
17:08
some fixed monthly expenses that you don't want to have interrupt your current income.
17:15
So again, as CJ mentioned, you know, hopefully you're not paying tuition
17:22
to help kids in college. At that point. Maybe you've updated your home,
17:26
you've replaced a car. There's a lot of different things that can come
17:30
into play, but we want to make sure that you really are prioritizing what
17:34
is the most important thing. So when we look at debt, and we
17:37
had to show on this a couple of weeks ago, we look at debt
17:40
in twenty twenty three. Toward the end, we saw the average household debt
17:45
in the United States was ranging in the one hundred and four thousand dollars mark.
17:49
And baby boomers, which is a lot of the audience we work with
17:55
ages fifty six to seventy four, their average debt stands at ninety six thousand
18:00
dollars. So what we would say if you're in this age group is we
18:04
want you to look at your current credit card debts, start there and honestly
18:08
eliminate it. And we're very direct about that because interest rates on credit cards
18:14
are ridiculous. It's really a highway robbery. We get questions all the time
18:21
about paying off your mortgage before retirement. That's something you want to sit down
18:25
with someone and really look at. It doesn't make sense. Are you taking
18:27
dollars from retirement accounts to do that or are you're taking it from savings that
18:33
perhaps are is not earning very much. We would be a proponent of paying
18:38
off a mortgage prior to retirement because again, it's going to really lower your
18:42
required cash flow. And I know a lot of us carrying mortgages that are
18:48
perhaps in the two three four percent range. And so we get that question
18:52
all the time, like, well, I mean that, you know,
18:53
won't I make more money if I have it invested versus keeping my mortgage at
18:57
such a low rate. We would say that regardless what you have with a
19:03
debt, you know, a mortgage, it is really considered an anti asset.
19:07
It is a liability. So for every dollar you pay on your principle,
19:11
you're making interest back because you're not paying it to someone else. For
19:15
example, So if you pay down four percent mortgage, that makes you four
19:19
percent with no management fee. It really is simple like that. So paying
19:25
off your mortgage is one hundred percent safe, there's zero market risk. We
19:29
can't say that about anything else, So that's really important that people listen.
19:33
Great perspective this morning from Malia Quavis and CJ. Closs, our retirement planning
19:37
professionals from Class Financial, the website class financial dot com. That's k L
19:41
aas financial dot com and the telephone number six oh eight four four two five
19:45
six three seven. Again that first deployment det Loss Financial will be complimentary to
19:48
you. Again, they're number six oh eight four four two five six three
19:52
seven. We roll up on to stop number five. Malia. Yeah,
19:57
So here's where we're talking about determining how much you're going to need in your
20:03
household when you retire. So the stat's reddle that it's not a whole lot
20:07
less than it is before retirement. What a surprise. So US households led
20:12
by someone who's sixty five years or older on average spend about fifty two thousand
20:18
dollars. So you may be, you know, not the average. You
20:21
may be way higher. We have many clients that are way lower, to
20:23
be quite honest, but by comparison, average across all households is in the
20:27
sixty seven thousand dollars range. So the rule of thumb, which nobody likes
20:33
to talk about a rule of thumb, but you kind of want to understand
20:36
maybe how you are positioned in this situation, is that you'll need about eighty
20:41
percent of your pre retirement income to maintain your lifestyle in retirement and so again
20:47
that rule doesn't necessarily apply to you. Some people are going to need one
20:49
hundred percent of their pre retirement income in retirement, but we don't want you
20:53
to compare yourselves to others. It's you and what your plan to do.
20:57
And many of our clients just like to stay home, not travel, and
21:02
that is not as expensive. Other ones are planning to buy a second home,
21:06
travel extensively, and that might require more than one hundred percent. So
21:11
you're going to want to take a close look at your current and future income
21:14
sources, your social security, maybe any pensions, old pensions, spousal income,
21:19
part time work, and you're going to want to bring those together to
21:22
see how those income sources will take care of your spending needs for retirement.
21:26
And then determine how much from your investable assets you'll have to pull in as
21:32
well to make that eighty percent, ninety percent or more of income. And
21:37
then finally, something I want to discuss which really affects lots of our listeners
21:42
and even our own clients. You know, many times you have a standing
21:47
banking relationship and that bank that you currently are at many times you feel has
21:53
always taken care of you, and maybe they have, but we would say
21:57
that we want to make sure that if you currently have cash just sitting in
22:03
savings at your local bank, take a close look and really ask how much
22:07
are you're getting paid in those savings accounts, because when we are really doing
22:12
our due diligence right now, we're finding that that's usually less than a quarter
22:18
percent. And there's certainly some money market funds out there, maybe even outside
22:22
of your bank, and we realize it's hard to change, but sometimes you
22:26
do need to take a look at it. Because we read a statistic from
22:30
the Wall Street Journal back in December of twenty twenty two, and they estimated
22:36
that Americans had lost out on this amazing two hundred and ninety one billion dollars
22:41
in interest since the beginning of twenty nineteen. And the reason people just left
22:45
it in the large commercial banks they didn't look around to see what other FDIC
22:51
ensured money markets or other types of performance savings accounts were out there. So
22:56
we really really want you to take a close look at depend on your old
23:00
habits, break them, and look around for something that might make better interest
23:04
for you. Great information this week, and always a lot of great information
23:08
on the program. If you missed any part of the show, you can
23:11
always head on over to class Financial dot com. That's k l a a
23:15
s Financial dot com. You can subscribe and listen back to podcast right there.
23:18
You can also sign up for the weekly Market Paul's newsletter again that available
23:22
to you at Cossfinancial dot com. There tell what umber six oh eight four
23:26
four two five six three seven. No charge for the financial get to know
23:29
you appointment tech Loss Financial. It will be complimentary to you again. Their
23:33
number six oh eight four four two five six three seven will wrap up this
23:37
week's conversation as well as do our class quiz question the week. We will
23:40
do that next as Money in Motion with Coss Financial continues right here on thirteen
23:44
ten. Wib A talking with our retirement planning professionals from COSS Financial, joined
23:52
this week by c. J. Kloss and Malia Quavis. The website coss
23:56
Financial dot com that's k l aa s Financial dot com. Great website to
24:00
learn more about Class Financial. There's separate divisions. Also an opportunity there to
24:04
sign up for the Weekly Market Paul's newsletter again. The website colss financial dot
24:08
com that's k l a as Financial dot com. They're telephone number six O
24:12
eight four four two five six three seven. No charge for that initial gets
24:17
know you appointment at Class Financial. It will be complimentary to you. Again,
24:21
they're number six oh eight four four to two five six three seven.
24:25
Going through a retirement roadmap and some planning that that should be taking place,
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and before we get to the class quiz question week. I know sometimes as
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we get older, we have some regrets, and specifically regrets about not saving
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enough, don't we see j Yeah. Unfortunately, it's not unusual to reach
24:42
your fifties and regret that you didn't save more when you were younger and had
24:47
more time for investment returns to compound. It's also not unusual to let your
24:52
feelings get in the way of making rational decisions about money. Thoughts like I've
24:56
already spent so much money or time on this thing, or this is the
25:00
way I've always done it. These things cause us to continue our bad habits.
25:06
So don't let stubbornness or pride prevent you from making the most of the
25:10
decades to come, and don't be afraid to ask for help. So consider
25:15
having a fee only fiduciary or financial planner review your investments, your insurance policies,
25:19
and other aspects of your finances. They can certainly suggest areas for improvement
25:25
that won't that won't benefit them financially. So it's one of the beauties of
25:30
working with a fee based advisor is they will They're not selling you products,
25:33
so they're often therefore just pausing and saying, Hey, if I were you,
25:37
I would do this and this and this. They may charge you for
25:38
their time and that seems reasonable to me, but they're not incentivized to move
25:42
you into particular product. So do some due diligence, find somebody who you
25:48
can trust, sit down with them, and from what we have seen,
25:51
at least, it can just be a huge leap forward for you to understand
25:55
where you should be focusing your time. So anyways, all of these things
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that you feel like you're behind on, you'd be surprised that you can pretty
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quickly follow up or I'm sorry, catch up if if you just have the
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humility to sit down with an advisor who can give you good advice. Talking
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this morning with CJ. Closs and Mali Equivis, they are our retirement planning
26:14
professionals from Class Financial. Speaking of the opportunity to kind of talk and get
26:18
to know somebody. Don't forget there is no charge for that initial gets to
26:21
know you conversation. That appointment atch Loss Financial, it'll be complementary to you.
26:25
Their number six oh eight four four two five six three seven, the
26:29
website class financial dot com. That's k l aas Financial dot com. And
26:33
again their telephone number six oh eight four four two five six three seven.
26:37
No charge for that initial gets to know you appointment tech Loss Financial. Oh
26:41
yes, it will be complementary to you. Speaking of that number, hold
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on to it. Now it's time for the coss Quiz question of the week.
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It works like this. In just a moment, I'll ask you the
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class Quiz question of the week. You will then have thirty minutes from the
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inter Today's program to call the Class Financial office right here in Madison six oh
26:56
eight four four two five six three seven. If you are the first call
27:00
correct answer, you win this week's prize, which is a twenty five dollars
27:03
gift card to Sephora. This week's cost quiz question the week is this.
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When you reach age fifty five, how much extra can you save into your
27:12
HSA? Is it five hundred dollars or one thousand dollars. Telephone number six
27:18
oh eight four four two, five, six three seven first go owt correct
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answer won that twenty five dollars gift card to Sephora. And again, don't
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forget that its COSS Financial's office right here in Madison. No charge for the
27:27
initial gets no you appointment at Cost Financial. It will be complimentary to you
27:32
again the number six oh eight four four two five six three seven CJ.
27:36
Malia. You guys both have a fantastic week. Thanks Sean. Thanks Sean.
27:40
News comes your way next year. On thirteen ten WIBI, This is
27:42
Money in Motion with Cost Financial Asset Advisors, LLC, a registered investment advisor
27:48
registered with the SEC. The contents of this show are for informational purposes only
27:52
and should not be considered individual investment advice. COSS Financial does not offer tax
27:57
or legal advice, and the opinion offered during the course of this show is
28:02
the opinion of that particular investment advisor representative and not necessarily the opinion of class
28:07
financial. News comes your way next right here. On thirteen ten, WIBA