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Estate Planning · Money In Motion with Klaas Financial

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This is Money in Motion with Class Financial, a fun and informative show designed
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to help you get answers to all your retirement questions in one place. And
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our phone lines are open for you right now. If you'd like to join
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us, we'd love to hear from you. Telephone number to get on the
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air six oh eight three two one thirteen ten. That's six oh eight three
0:21
two one thirteen ten. We'll get you on the air with our retirement planning
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professionals from Class Financial join this week by c J. Kloss and Kyle Kite.
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Of course they come to us from Class Financial. You can learn more
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about them online. Just they got their bios. They've got links to the
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different divisions of Coss Financial. Also an opportunity to sign up for the weekly
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market paulse newsletter. That all at Cossfinancial dot com. That's Klaas Financial dot
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com. Telephon number for the office right here in Madison and Dane County six
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oh eight four four two five six three seven. No charge for that initial
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gets to know you appointment deck Loss Financial. It will be complementary to you
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to set that up. All you do is give them a call six oh
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eight four four two five six three and you get on the air. It's
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the regular number six oh eight three two one thirteen ten. That's six oh
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eight three two one thirteen ten, as mentioned, joined by CJ Closs and
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Kyle Kite this week. CJ, how you doing this morning? I'm doing
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great. How are you? Sean? I'm doing really really well. And
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Kyle, how have you been. It's been been a little bit. It's
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good to have you on. And hey, Shawnie, I'm doing good as
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well. It's really good to talk with both of you. And we're going
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to be talking about estate planning kind of big picture stuff. So it's going
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to be a really engaging, really informative program this week. As always,
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don't forget if you ever missed part of the program or you want to subscribe
1:33
to the podcast, you can do that at class Financial dot com and again
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the telephone number six oh eight four four two five sixty three seven. No
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charge for that initi you'll get to know you appointment deck Class Financial complimentary to
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you at six oh eight four four two five six three seven. One of
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the really cool things as well that goes on in the program is the Closs
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Quiz Question week chance to win a fantastic prize this week, no exception to
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that chance for you to win a twenty five dollars gift card to Target.
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Tell you a little bit later on the program how you can win that the
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little tip and closely often both the question and answer to the class quiz question
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the week come up during the program, of course, at twenty five dollars
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gift card to Target provided by our good friends at Class Financial. Before we
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start our conversation about state planning, let's take a look back actually at last
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week's program. Get the question and the answer to last week's class quiz question
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of the week. Yeah, thanks everybody for listening, and congrats to our
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winner last week, Jill out of Fitchburg. So, just as a review,
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last week's question was true or false if you take money out of an
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annuity product prior to the age of fifty nine and a half, will you
2:30
have to pay a penalty of ten percent? And that answer was true.
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That's fantastic, And don't forget you two can be like Jill, have a
2:38
chance for you doing a great prize later this morning. Also, of course
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you've missed any part of last week's program. It was a very very informative
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show. You can listen back at clssfinancial dot com. That's Klaasfinancial dot com.
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Artelph. I'm gonna get on the other this morning six oh eight three
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two one thirteen ten. That's six oh eight three two one thirteen ten.
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And right out of the gate this morning, we've got a question on out
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the beautiful cross planes and Ken joins us. Ken, welcome to the program.
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You're on the air with CJ. Closs and Kyle Kite of Class Financial
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Morning. Thank you for taking my call. You bet, I started getting
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my Social Security at maximum age yep. Anyway, However, sometime after I
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started getting it, they notified me that they'd made a mistake and they deducted
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reduced my monthly checked by six hundred dollars. And I was curious what the
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recourse is. How do we know that they made a mistake the first time
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and not the second time. That's a great question, Ken, I guess
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a clarification. You said at your maximum do you mean your full retirement age
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or do you mean you started drawing out? Say that's what I meant to
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say, is my retirement? Yeah? Yeah, so that's a great question.
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I mean, what I do in that circumstance, Ken, as I
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would, I would log onto SSA dot gov so www dot SSA dot gov.
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I would set up a log in, and I would go in and
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look at my full retirement age projection amount and see if the first amount they
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paid me was six hundred dollars more than they were projecting they should at which
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point then I would say, oh, that that makes sense as to why
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they're adjusting it because they made a mistake. But if instead they're adjusting me
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down below that amount that I was projected to receive, then of course I
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would probably go into a local Social Security office and say, hey, what's
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going on now. There can be a lot of reasons for this. Sometimes
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they find out that you're that there's some sort of of an offset because of
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a pension that you're eligible for, So there can be a lot of different
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reductions or adjustments they have to make based on other factors. But obviously I
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can't speak to that in your case, I don't know why they would be
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overpaying you or underpaying you based on based on that information. Interesting call,
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Ken, and thanks for the call as well. And CJ. You mentioned
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as well SSA dot gov. And I know We've done a number of programs
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where where that website is referenced and case and point to what Ken is calling
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about. It's regardless of your age or where you are. It's important to
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kind of you know, mistakes happen, errors happen in life. It's not
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malicious. Oftentimes, it's typically just you know, a wrong number gets punched
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here or there. That website SSA dot gov is great to kind of track
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making sure that the numbers jive as you're working through your career and then of
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course getting into retirement. Yeah, exactly right, No, it's it's good
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that can call an asset. I think it's important for everybody to realize how
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can I trust the information that they're providing to me. And obviously one way
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is to actually be monitoring your record as your earning, making sure that the
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earning's history is accurate, looking at how they project your benefit, and then
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when you receive your first check, do a double check against what they told
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you you were going to receive to make sure that it's in line. Talking
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this morning with CJ. Closs and of course Kyle Kaite, our retirement planning
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professionals from Class Financial, if you've got a question, you too can be
6:09
like ken get you on the air six oh eight three two one thirteen ten.
6:13
That's six oh eight three two one thirteen ten. The website for class
6:15
financial class financial dot com. That's klaas Financial dot com and their telephone number
6:20
six O eight four four two five six three seven. No charge for that
6:24
initial gets to know you appointment at COLSS Financially eight will be complementary to you.
6:27
Again, they're number six oh eight four four two five six three seven.
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So I know one of the areas that you guys look at with clients
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is not only making sure financially folks are ready for retirement, but also kind
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of that big picture of state planning. Let's talk a little bit about why
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this is such an important part of what you guys do with clients and of
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course as part of their retirement planning. Yeah, our belief is that a
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financial planner should work with you, or should work on your behalf as a
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director or a coach of your overall financial team. Now that's not to say
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that you couldn't have an accountant playing that coach role, or your lawyer could
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play that coach role. That's certainly fine, But the idea is that you
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want to have a almost like a coordinated care expert, of all of those
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financial professionals who are making sure they're working in coordination with one another. Because
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listen, your accountant might be able to file your income taxes, but they
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may or may not be able to give you investment advice. Your investment advisor
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may be able to give you good investment guidance, but they can't draft your
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legal documents. And your lawyer can be a great lawyer, but they can't
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write insurance policies often, so you get the idea. The point here is
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that while they all are experts in their own area, often it's the lack
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of coordination that can create problems. We see this especially when it comes to
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creating your estate plan. Now, we've done many many shows on a state
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planning, so if you want to go to our website look up our Money
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in Motion podcast, you can actually search for any shows that we've done on
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this topic. But for those who have heard us talk about this, you
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know that there's a lot of things to consider relative to estate planning, but
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that coordination of all of those kind of records and benefits is really really important.
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So again, your financial planner, in our humble opinion, should be
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directing that conversation. Now. Our experience is that many people might have begun
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the estate planning process creating a will, trust powers of attorney, but often
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they don't complete them. So as we dive into this topic today, I
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want to give a quick disclaimer. We are financial planners and money managers.
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We are a fee base fiduciary. We are not a registered representative, so
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we have a fiduciary standard to do it's in your best interest. We do
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not sell or create investment products. However, we also are not lawyers,
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right, so we're going to talk about a topic that directly impacts what your
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lawyer would be able to draft for you, and it's because we act in
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that kind of coaching role, but it is not because we are the expert
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in this space. Your lawyer or the lawyers we would refer you to would
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be the experts. So that kind of disclaimer out of the way. This
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area of estate planning tends to get missed or messed up quite often. We
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would argue that as we enter into the fall season, it's an ideal time
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to review, adjust, or maybe even complete for the first time. Your
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basic estate planning documents. Again, this includes wills, revocable trust, powers
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of attorney, and healthcare directives. I just cannot encourage you enough. Make
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sure that as you move into this fall, if you don't have that in
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place, pause, find a good estate planning lawyer and have them help you
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draft these documents. Talking this morning with every timement planning professionals CJ Closs and
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Kyle Kite. They come to us from Class Financial. If you've got a
9:43
question for Kyle and CJ, love to have you join us this morning.
9:46
All I could just pick up, don't give us a rank six oh eight
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three two one thirteen ten. That's six soh eight three two one thirteen ten.
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The website for Class Financial class financial dot com or at CJ mentioned listening
9:56
back to some of those previous shows podcasts. They are available online at class
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financial dot com. Tell me number six oh eight four four two five six
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three seven No charge for that initial get to know you appointment dech loss Financially.
10:07
It will be complementary to you. Again, they are number six oh
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eight four four two five six three seven and CJ estate Planning. This is
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a big part of of what you what you guys, work with at and
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kind of a big element, isn't it. It really is. Yeah,
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So again back to we can't do all the things that you need for a
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comprehensive financial plan because we were just not licensed in that particular way, and
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by the way, very few people are. It requires a lot of cross
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disciplined but we understand how critical that. I think of it as the umbrella
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to all of your finances right now, maybe umbrella is not the right term
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because I think there's an insurance company that uses that. But the idea being
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your estate plan governs all of your assets during and afterlife. And so this
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idea of do you need to have a governing document, the answer is,
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oh, my gosh, yes. So it's one of the most critical elements,
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and yet it often isn't in exists. As a matter of fact.
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For those listening, here's some interesting data to kind of lodge away in your
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brain. According to caring dot COM's twenty twenty three Wills and a State Planning
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study, sixty four percent of Americans believe that having a will is important.
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Okay, some majority of Americans believe having a will is important, but the
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reality is that only about thirty four percent of them actually do have a will
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in place, So you see the disconnect there, I mean, and think
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about this, Well, here's the good news. If you die without a
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will, the state that you live in has a pre written will for you.
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Isn't that great? Nice? And by the way, they have to
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do this because they have to somehow settle your estate because you didn't take the
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time to tell them what to do with your stuff, so they have to
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take the time to create a kind of a standardized process for doing it.
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But I promise you their pre written will does not say what you want it
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to say. So therefore, as you can imagine, while Americans may acknowledge
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the need for these documents, there's often some visible barrier there getting in the
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way. And so we're gonna we're going to talk about that today kind of
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some ways to move towards this topic. It's going to be a fantastic conversation,
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that's for sure. If you've ever got questions, you can always get
12:09
on the air during the show six oh eight three two one thirteen ten.
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That's three two one thirteen ten. Learn more online at cossfinancial dot com that's
12:16
Klaas Financial dot Com and their telephone number to set up that appointment six o
12:20
eight four four two five six three seven. No charge for that initial get
12:24
to know you conversation. That meeting is going to be complementary to you again
12:28
their number six oh eight four four two five six three seven. We'll continue
12:31
our conversation with Kyle and CJ. What about a will? Does everybody need
12:35
one? We'll get the answers to that and take your call next as Money
12:37
in Motion with Coss Financial continues right here on thirteen ten Wiva. This is
12:46
Money in Motion with Class Financial, a fun and informative show designed to help
12:50
you get answers to all your retirement questions in one place. Join this week
12:54
by our retirement planning professionals from Class Financial, Kyle Kite and CJ Class learn
13:00
more online the website Class financial dot com. That's Kate laa as Financial dot
13:05
com and they're telephon number six oh eight four four two five six three seven.
13:09
That first appointment will be complimentary to you again. The number six oh
13:11
eight four four two five six three seven. Talking this week about estate planning
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and the word will came up in that last segment, So Kyle, does
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everyone or excuse me, yes, Kyle, Kyle, sorry about that.
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Does everyone need a will? It's a great question, Sean, And as
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CJ mentioned, whether everybody needs one, that's that's up for debate. Here
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we'll go through some of the reasons of why you should get one. But
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if basically everybody has one, whether it's yours that you've written down or the
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state has it for you, you do have a will. You just may
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not be aware of what it says quite yet. So I would say that
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many people have these kind of stigmas when it comes to a state planning.
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They think are two main things here, So estate planning is only for people
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of sizable wealth, or it only has to do with wills and trusts.
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And some of the things that we'll get into here over the next few minutes
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is the different things that go into a state planning, because it is much
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more than just wills and trusts. So we're going to shed some light on
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this topic today. So almost everybody upon their death has accumulated some form of
14:09
assets, whether it be investments, real estate, or other real property,
14:13
vehicles, those types of things. So it's important that upon your death that
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you lead detailed instructions as to how you wish those assets to be distributed and
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to whom. So ideally these would be specified in either a will or a
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trust. So estate planning is for everybody who owns and possesses things of value.
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And remember that if you don't have instructions, like we said, the
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state that you live in does. And when you die without a written will,
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that is known as being dying intestate. So it means that you've died
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without the will. Hence the state's going to dictate how your property will be
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divided and distributed, which may not be how you wished it was done.
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So CJ kind of alluded to that earlier. So now let's talk about some
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basic differences between trusts and wills, because this can get a little confusing for
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a lot of people. So both trusts and wills are usedful estate planning devices
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that serve different purposes, and both can work together to complete an estate plan.
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So the first one is a will, so will goes into effect only
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after you die, while a trust can take effect as soon as you create
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it. It directs who will receive your property at your death, and it
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appoints a legal representative to carry out your wishes. So will is kind of
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the most basic document that's going to determine how your stuff gets distributed once you
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pass away. A trust can be used to begin distributing property before death,
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at death, or after death. So a trust is a legal arrangement through
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which one person or an institution such as a banker law firm called a trustee,
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holds legal title to property for another person called the beneficiary. And trust
15:43
can help you avoid probate. So this is one of the biggest reasons to
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get a trust is that it avoids probate. And another kind of one couple
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scenarios where I always recommend people look at a trust is if you have a
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blended family or if you have a person with special needs, whether that be
15:58
a child or a sibling that you help take care of. That is almost
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always where you're going to want to look at a trust in most scenarios.
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Talk about us talking this morning with our retirement planning professionals, Kyle Kite and
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CJ. Closs. Of course they come to us from Class Financial online,
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Class Financial dot com. That's klaas Financial dot Com and they're telephon number six
16:18
So eight four four two five six three seven. So, Kyle, you
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mentioned that word probate, What specifically is probate. Yeah, it's a great
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question, Sean. So probate is the legal process that takes place after someone
16:30
dies in order to prove the deceased last will and testament and carry out the
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deceased person's estate, which may include resolving debts, selling assets, or distributing
16:37
any remaining assets to airs. So really probate is opened as a default because
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it's for creditors to any money that you've owed. They get a chance to
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notify the estate and get paid on those types of things. So if you
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name beneficiaries and have a trust in place, many times your estate can avoid
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probate. So the biggest reason most people want to avoid probate is that it
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can get very cost and takes a ton of time. So we've seen probates
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that last a few months on up to several years. So it just depends
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on the state you die in, how complex your situation is, all those
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kinds of things, and obviously the longer the probate is open, there's likely
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attorney fees involved, and many probated estates can be paying three to five percent
17:17
of more of the estate, so it's very, very expensive. So the
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cost is dependent on the complexity of the case, as we mentioned and Wisconsin,
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the average probate is about four to five percent, with attorney fees being
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about half of that. So even once you get an estate plan set up,
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it's important to review your beneficiary designations and how they fit into your overall
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estate plans. So remember that beneficiary designations that are put on specific accounts,
17:42
so bank accounts that have beneficiaries, your iras or four on cas that have
17:47
beneficiaries, those actually trump whatever your will or trust says. So it's very
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important that whatever you want to have happened is not only carried out in a
17:53
state plan, but also the titling and the beneficiaries on the account are set
17:57
up the way they need to be as well. Really important to have your
18:00
stuff in order and keep regularly reviewing those things. We're actually going to continue
18:04
our conversation on of course estate planning with Kyle Kite and CJ. Closs,
18:08
our retirement planning professionals from Class Financial dot Forget. If you want to learn
18:12
more, of course, listen back to the program podcasts available up at classfinancial
18:17
dot com. That's k l aas financial dot com. Also, while you're
18:19
there, you can sign up for the weekly Market Pulse newsletter. It's a
18:23
fantastic weekly email that you'll receive a little snapshot of what's been going on in
18:26
the markets. Also linked to the most recent program again that available to you
18:30
at Klassfinancial dot Com. There telephone number six oh eight four four two five
18:36
six three seven. No charge for that initial gets to know you appointment Atlass
18:38
Financial. It will be complementary to you again the number six oh eight four
18:42
four two five six three seven. We're going to talk power of attorney and
18:47
how important those documents are when it comes to a stay planning. We'll get
18:49
the details next as Money in Motion with Coss Financial continues right here on thirteen
18:53
ten Wuiba. This is Money in Motion with Class Financial, a fun and
19:03
informative show designed to help you get answers to all your retirement questions in one
19:07
place. Talking this morning with our retirement planning professionals from Class Financial, CJ.
19:12
Closs and Kyle Kite. Of course, the website Class financial dot com.
19:15
That's ky l Aas Financial dot Com. Great website and resource to learn
19:19
more about Class Financial. Al'son opportunity there to sign up for the weekly market
19:23
Paul's newsletter again, that website colss financial dot com and their telephone number six
19:29
oh eight four four two five six three seven. No charge for that initial
19:33
get to know you appointment tech Quaws Financial. It will be complementary to you
19:36
again their number six oh eight four four two five six three seven. Talking
19:40
this week about estate planning and terms like I hear things like power of attorney
19:45
documents. How important are those when it comes to estate planning? Yeah,
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so state planning is not only about wills and trust, which Kyle was talking
19:55
about previously, and that directs how those assets and your instructions should be carri
20:00
out, you know, kind of after you die. Now, trust go
20:03
into effect while you're alive, and they can govern assets while you're alive.
20:07
But generally speaking, where these kind of will and trust documents really kind of
20:11
kick in and provide their full power is ultimately after your death. But equally
20:17
important is to have proper power of attorney documents in place while you are still
20:21
alive. So when we talk about power of attorney, think of this through
20:26
the lens of what happens if I need to go in for surgery. And
20:30
now for those of you who have done this or who are in the medical
20:33
field. You know, when you go in for surgery, they do not
20:37
want to they be in the hospital doctor do not want to perform surgery on
20:40
you without a power of attorney for medical matter. So healthcare or medical power
20:45
attorney in place, because you're going to be under the knife, and what
20:49
happens if while you're under the knife a decision has to be made, whether
20:53
it be to provide you with with medicine or provide you with end of life
20:57
care, or if there's a do not resuscitate. The question is what happens
21:03
if a discretionary decision has to be made, And so the hospitals don't want
21:07
to make that decision. They want to have a medical power of attorney.
21:11
Said another way, they want to call in the spouse or the loved one
21:15
to say, listen, we've got three options here. What do you choose
21:18
because they don't want that responsibility. So in a similar way, there are
21:22
power of attorney documents for not only medical but also for financial because if you're
21:27
in surgery or you get into a car accident, you just can't make decisions
21:30
or pay bills. Who's going to do that for you? So essentially,
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a power of attorney document allows a person known as a principle to decide in
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advance whom they trust and want to act on their behalf if they become incapable
21:45
of making decisions for themselves. The person who acts on behalf of the principle
21:49
is called the agent. As I mentioned before, there's two primary types of
21:53
powers of attorney. There's medical and financial. Medical poa, also known as
21:59
a healthcare POA, gives a trustworthy friend or family member who's the agent,
22:03
the ability to make decisions about the care of the principle receives if they're incapacitated.
22:08
A financial POA gives an agent the ability to make financial decisions on behalf
22:12
of the principle. It's common to a point one person to act as an
22:15
agent for both financial and health care decisions, but in many situations that might
22:21
not be the right thing. I'll take our family. My parents as an
22:25
example, have me listed for some financial par of attorney decisions. Obviously I'm
22:30
in the financial field, but they have my sister, who's an NP,
22:33
listed for medical par of attorney decisions, which again makes sense given her area
22:41
of expertise. So again, remember this there's a big difference between being a
22:45
beneficiary and a par of attorney. We often see these two merge together.
22:52
Somebody will say to us, oh, yeah, I know that account is
22:56
in my spouse's name, that four or one k or ira, but I'm
23:02
their beneficiary and we go good for you. If they die, we'll let
23:06
you know, right. But that's different than saying, hey, no,
23:11
I know that's my spouse's account, but I'm the power of attorney. Listen,
23:15
if you have the power of attorney, it gives you power to potentially
23:18
act right away or in the event that there's a qualifying situation. A qualifying
23:26
situation could be your insurgery. So it is it is critical to make sure
23:30
you have these power of attorney documents in place, both medical and financial,
23:33
and that you clearly understand the difference between being listed as a beneficiary, which
23:38
only comes into play when somebody dies, versus a power of attorney, which
23:44
comes into play while somebody is alive and incapacitated. Very important distinctions. They're
23:48
talking this morning with Cjklass and Kyle Kaite our Retirement Planet professionals from Class Financial
23:52
Online, Class Financial dot Com. That's Klaas Financial dot com and the telephone
23:57
number six O eight four four two five six three seven No charge for that
24:00
initial get to know you appointment tech class financial. It will be complementary to
24:04
you. And since you know a state planning is such an important part of
24:07
this, why don't very many people take the time to do it. And
24:11
if you do have that planning in place, is it necessary to kind of
24:15
keep an eye on those and maybe update them as time goes on. Yeah,
24:18
it's a great question, Sean. And honestly, nobody likes kind of
24:22
feeling or you know, thinking about their own mortality, So I would say
24:25
the fear of it being emotionally challenging or uncomfortable, and they choose to put
24:29
this off, put off this process to be completed at a later time.
24:32
They procrastinate. So again, nobody likes thinking about their own mortality. So
24:34
it can be tough to reason through some of this stuff, and some people
24:38
just expect it to be complex, expensive and time consuming, unaware that you
24:42
know, when the right professionals involved, the process can be pretty simple and
24:47
not everyone's plan needs to be elaborate. And then many fears don't reflect the
24:51
reality of the state planning. So with expert guidance and modern tools, creating
24:55
a state plan can be a manageable and straightforward process, offering true peace of
24:59
mind at the conclude in the planning. So again, it's one of those
25:00
things that it's not fun to think about, but once you've done it and
25:03
you know that it's done the way that you want it to, it just
25:06
takes a load of a load off your shoulders, which is great. So
25:10
and one of the questions we get all the time, Sean is if somebody
25:11
can do this on their own or should they seek an attorney. So there's
25:15
plenty of wonderful online tools out there to get you started and thinking about these
25:18
types of things, but we'd want you to take very special care that everything
25:22
is accurate to your wishes and properly signed and updated as life changes. So
25:26
with that said, we would normally prefer for most of our listeners to consider
25:30
using an estate planning attorney to make sure things are done properly and fully executed.
25:34
And as far as reviewing it, yes, you should review this and
25:37
if necessary, update your beneficiaries and your will and trust documents. Regularly we
25:41
hear it so many times we ask a client that they're sitting down with us,
25:45
you have a will done and the yep, we've got it done.
25:47
But it was thirty years ago. Well, needless to say, they've had
25:48
a couple of kids since then, or maybe in the grandparents' age they've got
25:52
different grandkids and they had when they initially set things up. So it's very,
25:56
very important that once you have it done, you need to we say,
25:59
you know, taken out every couple of years and just blow the dust
26:02
off of it and make sure that it still still says what you wanted to
26:04
say, given how your life fifitting life circumstances has change and things like that.
26:08
It's funny, Kyle, you mentioned blow the dust off it as you
26:11
were describing, and I just see that scene in the movie with the family
26:15
members frantically running to the bank to the safety deposit box and they crack open
26:18
this this box and there's a Manila envelope and they blow the dust off to
26:23
review this stuff, realizing these things haven't been touched in generating definitely well that
26:30
stuff updated. Fantastic program As always, don't forget if you did miss part
26:34
of today's show, you can always listen back at Colssfinancial dot com. That's
26:38
k l a a s Financial dot Com also a great opportunity to share that
26:44
that the podcast, the program with your friends and family, a lot of
26:47
great information each and every week here on Money in Motion with Class Financial mentioned
26:51
the website coss financial dot com. That's k l a a s Financial dot
26:55
com and the telephone number six so eight four four two five six three seven.
27:00
No charge for that initial get to know you appointment tech co Loss Financial.
27:02
It will be complementary to you again their number six oh eight four four
27:06
two five six three seven. Going to hold on to that talleel for number
27:08
as well, because it's time now for the coss Quiz Question of the week.
27:11
It works like this, just a moment, I'll ask you the coss
27:12
Quiz question the week. You will then have ten minutes from the inter Today's
27:15
program or excuse me, thirty minutes from the inter Today's program to call the
27:18
Class Financial office right here in Madison at six oh eight four four two five
27:22
six three seven. If you are the first caller with correct answer, win
27:26
this week's prize, which is a twenty five dollars gift card to target.
27:30
This week's coss Quiz question the Week is this According to caring dot COM's twenty
27:34
twenty three wills and a state planning study. What percentage of Americans currently have
27:41
in a state plan in place? Is it thirty four percent or more than
27:45
fifty percent? Telephone number six oh eight four four two five six three seven,
27:51
first call correct answer, Win that twenty five dollars gift card to target.
27:53
Don't forget. That's Class Financial office right here in Madison as well.
27:56
Six oh eight four four two five six three seven. No charge for the
28:00
initial gets to know you Appoyment Tech Loss Financial. It is complementary to you.
28:03
CJ Kyle. It is always great chatting with you guys. You enjoyed
28:07
the most beautiful days. Thanks Shawn Sean ce CJC Kyle. News comes your
28:12
way next right here on thirteen ten WIBA. This is Money in Motion with
28:22
COSS Financial Asset Advisors, LLC, a registered investment advisor registered with the SEC.
28:29
The content of this show is for informational purposes only and should not be
28:33
considered individual investment advice. Class Financial does not offer tax or legal advice.
28:38
Any opinion offered during the course of this show is the opinion of that particular
28:42
investment advisor representative and not necessarily the opinion of Coloss Financial