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Finding Your Income in Retirement · 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. Our
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phone line is open for you right now at six O eight three two one
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thirteen ten. That's three two one thirteen ten. Love to get you on
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the air this morning with our retirement planning professionals from Class Financial. Join this
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week by c J Class and Malia Quavis, and again phone lines are open
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if you've got questions for CJ and Malia telephone number six O eight three two
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one thirteen ten. Telephon number A Class Financial six O eight four four two
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five six three seven. Don't forget that first appointment at Class Financial. It
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will be complimentary to you and their telephon number again it's six O eight four
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four two five six three seven. The website Class financial dot com. That's
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k l a as Financial dot Com as mentioned. Joined this week by c
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J Class and Malia Quavis. CJ, how are you doing today? I'm
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doing great? How are you? Sean? Doing really well? Great to
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talk with you this week as always in Malia, how have you been very
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good? Happy summer? It's really really here, Yes, it sure is.
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It's official in every way, and I know a lot of folks that
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are enjoying days like today, and of course are looking towards retirements, saying
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I can't wait for every day to be like today. So it's it's a
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great reminder with this. The great temperature is a great weather. We have
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that there will be a day whether you'll have a lot of free time.
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So very exciting stuff. We've got an important conversation ahead too. We're gonna
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be talking about income sources when it comes to being in retirement. Where's that
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where's that money coming from? How do you set that up? We'll get
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some great details and great information from CJ and Maliam. Don't forget has mentioned
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this is a great opportunity to get on the air if you ever have a
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question, whether it's about the specific topic or anything retirement related, we'd love
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to get you on the air with Malia and CJ. Tellphlu we here at
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the station six O eight three two one thirteen ten. That's six O eight
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three two one thirteen ten. We'll get share right on the air. Speaking
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of ways to ask questions, another great opportunity is submitting a question right online
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at class financial dot com. That's Claus Financial dot com and of course a
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telephone for Claus Financial office here in Madison six eight four four two five six
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three seven. Before you're rolling on this week's conversation about income sources, let's
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take a look back at a couple of weeks ago. Of course, we
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do the class quiz question the week at every program. A couple of weeks
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ago had a great question, we'll have another one this week as well.
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Chanced to win a great prize from our friends at Claus Financial at twenty five
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dollars gift card to the cheesecake factory. Little tip if you listen closer to
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the program, often the answer and question come up during each week's program as
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well. Before we get started on this week's conversation, as mentioned, let's
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take a look back at the last class quiz question the week. Get the
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question and the answer there as well, Melia. Yeah, so a couple
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of weeks ago we discussed ways you could possibly save on taxes, which I'm
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sure everybody perked their ears up when we discussed that. And so the question
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actually was, when utilizing a QCD, which is a qualified charitable distribution,
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what is the limit for a taxpayer per year to transfer. Is it fifty
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thousand or one hundred thousand dollars? Congratulations shout out to our winner. Two
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weeks ago, Wendy of Madison correctly answered one hundred thousand dollars. That's a
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maximum you could transfer with QCD treatment and then you would not have to pay
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taxes on it because it's going straight directly from the custodian to a charity.
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So just keep that in mind as you're thinking about charitable distributions for the rest
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of this year. It was a great fun and informative program for sure.
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If you missed any part of that show, or if you might miss any
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part of today's show, don't forget. You can always listen back and get
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caught up at class financial dot com at the podcast right there at class financial
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dot com. So, as mentioned, we are going to review some potential
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income sources that folks may turn to as they enter into retirement. Let's talk
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a little bit about what those things might be. CJ. Yeah, So
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in our industry we often think these are obvious, but we recognize, and
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I recognize even early in my career it was not so obvious. So we
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want to slow down a little bit today and just talk about what are these
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potential income sources that might be available to you in retirement. And for those
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who are listening, I really encourage you to be as we go through these
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six potential income sources, we want you to kind of filter them in your
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brain to say, Yep, that one will apply to me, Nope,
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that one won't apply to me. Because while these are the most six common
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potential income sources in retirement that we see, not all of them will be
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there for each listener today. So let's start with number one, which is
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what we would consider the most obvious, although for some people not and that
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would be Social Security. This is our government administ administered retirement income program,
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and for many Americans this is their only source of income in retirement. Believe
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it or not, I want to say it's something like twenty eight thirty percent
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of Social Security recipients it is their only source of income in retirement. By
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the way, we're not suggesting that that's just a fact. Now, sometimes
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people ask what of their pre retirement income does social Security typically replace? And
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now, according to research from Fidelity, investors typically need to replace fifty five
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to eighty percent of their pre retirement income to maintain their lifestyle. So therefore,
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the question is, Okay, if I need fifty five to eighty percent
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of that kind of working income to replace my lifestyle, how much of it
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is going to be replaced by social security? And the answer is social security
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typically replace somewhere between like eleven and thirty five percent of your income in retirement.
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Now, I'm just going to warn you, gosh, these are big
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rules of thumb, the fifty five to eighty percent big rule of thumb,
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the eleven to thirty five percent big rule of thumb, because it actually depends
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on a lot of different factors. So be cautious with these rules of thumb
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we're giving to They're meant to be a guide, not a rule. The
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average socialecurity retirement benefit as a February of twenty twenty three was one thousand,
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seven hundred and eighty two dollars per month, or about twenty one thousand,
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three hundred and eighty four dollars per year. So hence you can understand the
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reason why you may want to have other income streams besides social security, because
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life has gotten kind of expensive with inflation spiking here in twenty one thousand,
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three hundred and eighty four dollars a year is probably not enough to support most
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of our listeners who can hear us here today talk about it's all good talk
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at this morning with CJA, Claus and Elia quaivis. Of course they always
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like to get the important stuff out there. Telephone number as well as the
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website phone number for Clause Financial six O eight four four two five six three
6:39
seven. Of course no charge, so then I sho'll get to no appointment
6:41
at Claus Financially. It will be complimentary to you again at number six to
6:44
eight four four two five six three seven. And the website Claus Financial dot
6:47
com. It's Klaas Financial dot com. And if you've got a question for
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CJ and Melia, I love to get you on the ear this morning.
6:54
The phone number to get on the ear so number here at station six O
6:56
eight three two one thirteen ten. That's six O eight three two one thirteen
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ten. And I know we talk social security quite a bit CJ on the
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program because it's an important part of the conversation, isn't it It is?
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Yeah, So again we're talking about income sources that may potentially be available to
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you in retirement. Number one we're talking about here social Security, But just
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before we move on to number two, a couple things you should know about
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social Security, which, by the way, we've had entire shows dedicated to
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this, probably hundreds of entire shows dedicated to this, so certainly jump onto
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our website to listen to those if you want a detailed breakdown of Social Security.
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But at a high level, you can begin with drawing typically as early
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as age sixty two on your own record, unless you become disabled, at
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which point you could get soci Security disability income benefits. But most people wait
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till they're full retirement age, which is somewhere between sixty six and sixty seven,
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and you can even wait up till age seventy to get delayed retirement credits,
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which is kind of your maximum benefits. So just some ages to be
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aware of. Sixty two, sixty six, and seven is FRA. Age
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seventy is where delayed retirement credits end, at which point you need to start
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your benefit. You can also instruct Social Security administration on how much of your
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benefit should be withheld for taxes, So remember that your Social Security income may
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be taxed. It depends upon your total income I'm not going to actually get
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into these numbers. Some of it, fifty percent of it could be taxed,
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up to eighty five percent of it could be taxed. But set another
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way, fifteen percent of social Security income is always tax free. Under current
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law, the max you would pay tax on would be up to eighty five
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percent of your Social Security income. And I think most of our listeners here
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are from Illinois and Wisconsin. And Illinois and Wisconsin there is no state income
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tax on Social Security benefits, but there is federal income tax, and if
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you're listening from another state, you would need to check with your state.
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Now, Category number two because again we're talking about potential income streams that may
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be available to you in retirement. Category number two that we see as personal
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savings and investments, not to be confused with iras or four or one case
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which we'll be talking about here, is other potential income streams. Personal savings
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and investments would be non retirement accounts. So these would be things like cash
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in you're checking your savings account, cash in money markets CD. This could
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be stocks or mutual funds inside of a brokerage account at a custodian. This
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could even be after tax or what are called non qualified annuities that offer income
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streams. This could also be things like real estate or a farm that you
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may have that might generate monthly income, a rental real estate. This could
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even be a small business that you own where you're not operating in it,
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but it generates some profit distributions for you. So there's other category. Number
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two is this personal savings and investments that are not retirement accounts but can generate
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other sources of income for you. Another so this is number three. Another
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area that I kind of hinted at there is you may likely draw money from
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an individual retirement account known as irase. You may have an assortment of iras
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made up of traditional irase, rollover irase, roth irase, sepirase, simple
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irase. Our industry tries to make it as confusing as possible, and saving
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into irase has been around really for about fifty years, whereas saving into roth
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iraise has only been around for about twenty five years. So for those who
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are a little bit older on our show here, they might say, yeah,
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I would have loved to do a ROTH, but I didn't have enough
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years to do it. And for those who are younger, you might want
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to at least be aware of the differences between the two. But with this
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kind of number three source of individual retirement accounts, you do need to be
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aware of age restrictions. So once you get into retirement accounts, these are
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known as tax preferred account types, and therefore they give you some tax benefits,
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either tax deferred growth or tax free growth, but you typically have to
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wait till age fifty nine and a half or have some sort of exception apply
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to you in order to get money out penalty free. So as you figure
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out where you should derive income from in retirement, you should also have a
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clear understanding of the tax treatment on those income sources, because the you know,
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those individual retirement accounts, if fits a pre tax one, it's going
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to be taxable as ordinary income to you. Talking this morning with CJ.
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Clossomlia Quavis our retirement planning professionals from Class Financial Full lines are open for you
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if you've got a question left to hear from me. This morning six ZO
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eight three two one thirteen ten at six O eight three two one thirteen ten
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gets you on the air with CJ and Malia from Claus Financially. You can
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learn more online class Financial dot Com. That's k l a as Financial dot
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Com. Their telephone number six O eight four four two five six three seven.
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No charge for the finitial gets to know your pointment deck Class Financial.
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It is complementary to you again the telephone number six O eight four four two
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five six three seven. Kind of breaking this stuff down, CJ got like
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an example or something we can kind of work with, just kind of mentally
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put put this in perspective. Yeah, So we've talked about three income sources
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here, Malie is going to talk about, you know, a fourth and
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a fifth here in a moment, Well, fourth, fifth, and sixth.
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So of the first three that we've talked about so far, the first
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one with social Security and as we talked about a portion of it may be
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taxable to you talked about personal savings and investments and most of that will not
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be taxable. These are typically after tax income sources. But it depends depends
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on if you have gain and if it's capital gain, if it's tax at
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zero percent, fifteen percent, or twenty percent, because there are our preferential
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tax rates on capital gain, but you just have to apply it to your
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income. And then if it's you know a small business or real estate that's
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kicking off passive and that can be taxable in a different way. And then
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when it comes to the third source that I talked about, which are individual
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retirement accounts. If they're pre tax retirement accounts, then again it would be
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all taxable is income to you and you have to be over fifty nine and
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I have to avoid a penalty. But if it's a Rothier ray, that
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is one of the beauties of roths. As you put after tax contributions in,
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they grow tax free, and then as long as you meet the rules,
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you can pull out both the original contributions and the growth tax free.
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So I mentioned it at the end of that kind of segment there, But
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you really do want to know not only what sources of income are available to
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you, but what the tax treatment will be and what kind of what kind
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of way you should package those income streams to mitigate taxes over your retirement.
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So this is where working with an advisor and account and can really help.
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Talking this morning with the retirement planning professional CJ. Class and Malia Quaevis.
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Of course they come to us from Class Financial fantastic website class financial dot com.
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That's klaas Financial dot Com. You haven't checked it out yet this week,
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definitely stop on over again great information, learn more about Class Financial.
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Their separativasion is also an opportunity there to sign up for their weekly Market Pulse
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newsletter. It's a great weekly email gives a little snapshot of what's been going
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on in the markets. Also, while you're on the on that page,
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you can of course get signed up for that, learn more about the team,
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and submit questions to be answered right here on the show on the Class
14:07
Financial Money in Motion listener question corners. So many great options there again the
14:13
website Class Financial dot com that's k l a As Financial dot com. And
14:18
again the full lines are open as well for you six O eight three two
14:22
one thirteen ten. That's six O eight three two one thirteen ten to get
14:26
on the air with CJ. Klaus and Malia Quavis. We'll get you more
14:28
of Money in Motion next right here on thirteen ten w IBA. This is
14:37
Money in Motion with Class Financial, a fun and informative show designed to help
14:41
you get answers to all your retirement questions in one place. And the full
14:48
lines are open for you this morning six eight three two one thirteen ten.
14:50
That's six O eight three two one thirteen ten. Gets you on the air
14:54
with CJ class and Malia Quavis of course, CGEN Melia come to us from
14:56
Class Financial, the website class financial dot com. That's klaas Financial dot com
15:03
and their telephone number six O eight four four two five six three seven again
15:07
telephon number to get down the air this morning six eight three two one thirteen
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ten. That's three two one thirteen ten. And Chris joins us. Chris,
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welcome the program. You're on the air with CJ Clauson Willie Quavis of
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claus Financial. I appreciate you, CG. The question I have for you
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is the ability to transfer a ross I array that's inside of a TSP to
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my children. I don't intend on touching it. Um, I know I
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have to like move ten years. I think of once I touched turned seventy,
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but the pun dying or look within that ten years. How do I
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to mind the kids so they still can enjoy like the income in a tax
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free manner. Yeah, well, thanks for the question, Chris. I
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think I understand your question, so I'll kind of repeat it here and then
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and then answer it. So your question was you have roth moneis inside of
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your thrift savings plan, which is commonly referred to as like a well,
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it doesn't matter the thrift savings plan, it's a retirement account and those so
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you said roth ira dollars. I do want to clarify, roth money inside
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of a thrift savings plan is not a roth iray. It's just roth dollars
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that then can be rolled over to a roth ira in the future once you're
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retired. So that was kind of one of your questions that can I do
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something with it. Yes, you can roll over your roth moneys to a
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roth ira and your pre tax money and the TSP over to a x ira
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or what's known as a rollover ira, and then they can continue to grow
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in the fashion that they had been while you were working. So in the
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case of the pre tax it's tax deferred until which point you must start pulling
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out minimum distributions, which for most people is between seventy three or seventy five.
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And then in the case of the roth ira, there is no minimum
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distribution that has to come out. So that's kind of the basic answer to
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your question. Now, once you pass and leave that to beneficiaries, and
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we'll just assume both you and a spouse. If there is one pass away,
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it then goes to your children, or it can go to your children
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if they're beneficiaries. They have ten years typically to pull the money out of
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that account. Are there's some rules and restrictions you have to look into it,
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but generally speaking, it's going to go to your children, and they're
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not miners at the time that they receive it. They will have ten years,
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ten calendar years after the day that year after the date of your death
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to get all of the money out of the pre tax and out of the
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ROTH. So good news is they get some continuation of the tax free growth
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or the tax deferred growth, but not for as long of a period as
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they used to. This used to be a lifetime distribution for them, so
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they used to have to pull out rmds, but now they can retitle it
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into an inherited IRA, but instead of having lifetime distributions by way of an
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RMD table, it has to come out within ten years. Does that answer
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your question, Chris? It does so, but within those ten years it's
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still tax free to them, right, and then they can Yes, great
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question, Chris, that's correct. That's exactly right. So you can say,
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like, why are they forcing me to pull the money out at all?
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It's still tax free to them. And the answer as well, because
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it's money out of circulation, right, and once they pull it out of
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the roth, it may not be taxable when it comes out of the ROTH,
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but now it goes into an account where if it grows, it has
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tax, or they spend it. You get my point, it goes back
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into circulation. So yes, when they're first forced to pull money out of
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the roth account over ten years after your death, it does not add to
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their income and there's no tax on it. Really great question, really good
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question this morning, Chris. You two can be like Chris. If you've
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got a question for CJ and Malia love to get you on the airphone number
18:33
here at station six o eight three two one thirteen ten. It's three two
18:36
one thirteen ten. The website for Class Financial Class Financial dot com that's Klaas
18:41
Financial dot com and their telephone umber the office right here in Madison six to
18:45
eight four four two five six three seven. No charge for that initial get
18:48
to know your appointment tach Class Financially. It will be complimentary to you and
18:52
their telephone number six to eight four four two five, six three seven.
18:56
So we got the first three. What are some other potential sources of income
18:59
alia be looking at when it comes to income and retirement. Yeah, so
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when we're looking at all these, as CJ said, for many of us,
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we say, well, of course it's obvious, and it will be
19:08
obvious to our listeners as well. But really, as you're listening, think
19:14
about the current You'll think about your current retirement assets that you are plowing money
19:18
into every year. And we on this show are always telling people, if
19:22
at all possible, try to max out your contributions as you are able.
19:27
But what we're really wanting you to do is remember back to other jobs you
19:32
had in the past where potentially you left behind either four O one k's,
19:37
four H three b's, etc. So that's really what we want people to
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focus on today, is like, hmm, I have these other potential income
19:44
sources. So our next one would be defined contribution plans. So that would
19:48
be what our college is called in with TSP plan four one K, four
19:53
H three B ESOPs, profit sharing plans, cash balance plans for our one
20:00
a's are defined contribution plans are available to government, for profit and not for
20:06
profit employers as well as for fifty seven. So all of these are areas
20:11
where you contributed to and it would be a normal area for you to consider
20:15
drawing income from. Now. Often individuals will roll these these positions, these
20:22
retirement plans into individual I raise that CJ was just speaking of, or roth
20:26
iraise if they were WROTH before. And so we often talk about how you
20:32
can generate a distribution of income from your iraise, but you should also know
20:37
that you can request distributions from your contribution plans themselves. Now, there may
20:42
be some regulations as far as the amount you're required to withhold for taxes.
20:48
Normally we hear they're going to withhold at least twenty percent, but that could
20:52
vary as well. So you can you can either draw that income directly from
20:57
those accounts or roll it into an I array where you have a little bit
21:00
more control. So you want to make sure you understand the plans you're currently
21:04
in and old plans left behind, So that would be number four. Number
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five is defined benefit plans, So most people know these as pensions. So
21:15
a pension typically provides a fixed pre established benefit. Four employees at retirement.
21:21
Now the numbers have been dwindling down. It's interesting back in the forties and
21:25
fifties, they were when things really got going in this area. Most people
21:30
had a pension to look forward to, But now we're down to only about
21:33
a quarter of civilian workers that are offered a traditional plan according to a Bureau
21:38
of Labor Statistics, and we usually see those in the case of unions,
21:44
local, state, and federal positions that offer those defined benefit plans. Now,
21:48
we've also cautioned on this show many times things to remember when you first
21:52
receive that pension paperwork prior to retiring, you're going to want to stop and
21:56
take a close look, slow down and evaluate these specific pension choices. So
22:03
you see single joint period, certain lump sum, etc. So we want
22:07
you to understand that as you look at those choices of that monthly income that's
22:12
going to be there for the rest of your life. In most cases,
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depending on your position, when you select those choices, they're usually irrevocable,
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So you want to make sure you're choosing wisely because it's going to affect your
22:23
future income. And then understand also that your pension income, just like the
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preretirement counts we discussed earlier. They will be taxable as distributed. So sometimes
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we see people signed up for these and they are unaware that they're gonna have
22:40
to pay taxes on it, and they receive this huge tax bill the following
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year. So, just like Social Security, you want to withhold for from
22:48
your pensions. Really important information this morning talking with CJ Class Emily Aquavius our
22:52
retirement planning professionals from Clause Financial the website Clause financial dot com. That's klaas
22:57
financial dot com. That's number six O eight four four two five six three
23:03
seven. No charge then gets no you aploytment at Clause Financial. Complimentary to
23:06
you again the telephon number six to eight four four two five six three seven.
23:10
What about continuing to work, Molly, Is that an option? Yeah,
23:12
so many people want to continue working, but that might look different in
23:17
retirements. So perhaps in retirement you're now working as a consultant to the firm
23:22
or industry that you previously worked for, So maybe you're working less hours,
23:26
maybe you're getting paid the same but you no longer have other benefits associated with
23:30
that job, or maybe you just have a part time job, you know,
23:33
you're on the radio once in a while, who knows doing something completely
23:37
unrelated. And obviously spousal income may play into your income stream, so keep
23:41
your keep your spouse working so you can retire. But you're gonna want to
23:47
remember one thing, and that is if you have started to take your Social
23:49
Security income prior to your FRA we talk about all the time full retirement age
23:55
for most people at sixty six or sixty seven, that you're gonna have to
23:59
limit. You will have a limit how much you can earn. Otherwise you
24:03
have to repay back on some of your benefits. So just a reminder,
24:07
the limit for income earned in twenty twenty three if you're pulling your Social Security
24:15
prior to your FRA A is twenty one thousand, two hundred and forty dollars.
24:18
So if you're going to continue to work, understand those limits and the
24:23
repercussions. If in fact, you make more than that, you will have
24:26
to pay some of your benefit back. Important information as always from C.
24:30
J. Claus and Malia Quavis our Retirement Planet professionals from claus Financial website,
24:34
Claus Financial dot com that's k l a as Financial dot com and the telephone
24:40
number six O eight four four two five six three seven. Going to hold
24:42
onto that telephone number coming up in the next segment through the Claus Quiz question
24:45
week. We'll also wrap this conversation up for the week. In the meantime,
24:48
you have been to the website recently check them out online Claus Financial dot
24:52
com that's Klaas Financial dot Com and the telephone number six O eight four four
24:56
two five six three seven. We'll wrap up our conversation with Cjmlan next as
25:02
Money in Motion with Class Financial continues right here on thirteen ten WIBA. This
25:08
is Money in Motion with Class Financial, a fun and informative show designed to
25:14
help you get answers to all your retirement questions in one place. Talking with
25:18
our retirement planet professional CJ. Closs and Malia Quavis. Of course they come
25:22
to us from Class Financial online Class Financial dot Com. That's Klaas Financial dot
25:26
Com. Telephone number six O eight four four two five six three seven.
25:30
No charge for the finitial gets to know you appointment at Class Financial. It
25:33
is complementary to you again their number six O eight four four two five six
25:38
three seven. Talking about potential income sources in retirement and we touched on a
25:44
lot of really really important things, really really things like social Security and other
25:48
things as well. Are there any other areas CJ that folks could consider,
25:53
Really just a couple other areas that are we'll call these outside of the box.
25:56
We mentioned six core areas that we see often available to people. Again,
26:03
most of those six are not available to everyone, but some mixture of
26:07
them are. But a couple of others that are kind of outside of the
26:10
box that you might just want to think about would be number one, anything
26:12
from like a quadro. Quadro stands for a qualified domestic relations order, which
26:17
has to do with divorce or separation where you get income from a prior spouse.
26:25
So that's one other area we occasionally see. Another would be possible inheritances,
26:30
So this would be, Hey, I have really wealthy mother and father
26:33
and they're in their nineties. So again, we wouldn't generally suggest that you
26:37
plan on that, because you never know what they'll decide to do with their
26:41
estate as they get older, but it's certainly something to be aware of.
26:44
And then finally, if you have any inherited retirement accounts. Chris called in
26:48
earlier asking about what if I have these moneys and then die and then it
26:52
goes to my children. And I mentioned it. You know, in the
26:55
case of retirement accounts, it typically has to be out within ten years,
26:57
but it doesn't mean that's not a source of income to them. And in
27:00
some cases, in the case of a wroth, it may not even be
27:03
taxable income. So inherited retirement accounts could be another source. And then of
27:10
course, always make sure in the back, in the back of all of
27:14
this, so you have a fully funded emergency reserve and that you are trying
27:18
to live within your means, and that you're paying off all your debt.
27:22
So this is the this is the you know, your grandmother's financial planning firm
27:26
reminding you of things that will always be true. Right, live within your
27:32
means, pay down your debts, and have a fully stocked emergency reserve and
27:36
regardless of what's going on around that that'll give you some financial security. C.
27:40
J. Class Emilia Quavis our retirement planning professionals from Class Financial don't forget.
27:44
You can learn more about them online the website Class financial dot com that's
27:48
k l as financial dot com and the telephone number six O eight four four
27:52
two five six three seven. Don't forget no charge for that. Initially get
27:56
to know you employment tach Class Financially. It will be complimentary to you.
27:59
A teleph number six O eight four four two five six three seven. You're
28:03
also want to hold on to that telephone number now because it's time for the
28:04
Class Quiz Question the Week. It works like this, just moment, I'll
28:07
ask you the class quiz question the week. You then have thirty minutes from
28:11
under to day's program to call the Class Financial office right here in Madison at
28:14
six O eight four four two five six thirty seven. If you are the
28:18
first call with correct answer, you win this week's prize, which is a
28:19
twenty five dollars gift card to the cheesecake factory. This week's class quiz question
28:25
the week is this true or false? The average Social Security benefit in the
28:30
United States in twenty twenty three is about one thousand, seven hundred eighty two
28:34
dollars per month. Telephone number six O eight four four two five six three
28:40
seven. Is that true or is that false? First called correct answer,
28:42
we'll win that twenty five dollars gift card to the cheesecake factory. And again
28:45
that's Class Financial's office right here in Madison six o eight four four two five
28:49
six three seven Cejmilia. It is always great chatting with you guys. Enjoy
28:53
this absolutely fantastic day. Thanks well, I'll get a check off news next
28:57
here at thirteen ten WI. This is Money in Motion with Class Financial Asset
29:07
Advisors LLC, a registered investment advisor registered with the SEC. The content of
29:14
this show is for informational purposes only and should not be considered individual investment advice.
29:19
Class Financial does not offer tax or legal advice. Any opinion offered during
29:25
the course of this show is the opinion of that particular investment advisor representative,
29:30
and not necessarily the opinion of Class Financial