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2024 Tax Shifts: A Retiree's Guide · Money In Motion with Klaas Financial

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This is Money in Motion with COSS Financial, a fun and informative show designed
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to help you get answers to all your retirement questions in one place. Happy
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Thursday to you. Our phone lines are open right now to get on air
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with our retirement planning professionals from COSS Financial, CJ. Closs and Malia Quavis.
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Telephone numbers for the station to get on the air 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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Can learn more about COSS Financial on their website Coss Financial dot com. That's
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k l aa S Financial dot com. Great website to learn about COSS their
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separate divisions. You can learn about the team. You can also sign up
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with weekly Market Pulse newsletter. Again that all available to you at Cossfinancial dot
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com. Speaking of things available to you. The telephone number for COSS Financial
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six oh eight four four two five six three seven. No charge for that
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initial get to know your appointment. It will be complementary for you at COSS
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Financial and their telephone number six oh eight four four two five six three seven.
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And joining us this morning our CJ Closs and Malia Quavis CJ. How
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you doing today. I'm doing great. Happy snowy Thursday. Happy snowy Thursday
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to you and Malia. How are you doing on this snowy morning? Doing
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very well. I realize I don't have my snowbrush in my car, so
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that might be an issue. I don't know why we haven't prepared better for
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winter. Yeah, it's that I'm Malia. I'm a little surprised. You're
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always the one that's very much both prepared. Someone slipped him was a MEBA
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Okay, yeah, I know what you mean there. I exactly. We've
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got an important conversation and of course thinks about some shifts when it comes to
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taxes, and of course we've got the new year, so do some planning
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there and we're going to talk about some really important details this morning with CJ
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and Malia, And of course this is an open conversation. If you have
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questions, whether it's about the topic at hand or retirement planning questions in general,
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you are more than welcome encouraged to give us a call right here at
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the station six oh eight three two one thirteen ten. That's six o'h eight
1:57
three two one thirteen ten. Love to have you join us. The website
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for Coss Financially. It is colossfinancial dot com and they're telling phe number six
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O eight four four two five six three seven. A great thing also we
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do on the program each and every week is the class quiz question Leak.
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Will do that again this week a chance to win a great prize from our
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friends at Class Financial, a twenty five dollars gift card to Buffalo Wild Wings.
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We'll tell you a little bit later on the program how you can win
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that. Just a little tip listen closer to the show because oftentimes both the
2:23
question and answer to the class Quiz question Leak come up during the program and
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bari before we start looking ahead to twenty twenty four. In that very timely
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topic, let's take a look back at LAX last week's program the class quiz
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question Leak. Talk about the question and the answer there as well. Yeah,
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so last week we talked about if you were to choose to wait for
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your Social Security benefit past your full retirement age, what that could look like
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in terms of benefits. So we had a lot of callers with this question
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last week trying to get the correct answer. The question was, if if
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you wait till you till past your full retirement age FRA to begin your Social
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Security benefit. What percentage per year will be added to your benefit? Was
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it five percent or eight percent? Pat of Randolph listsconsin correctly answered eight percent,
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So hopefully she's waiting to collect the extra eight percent per year, which
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is a nice, nice way to really help your benefit for your future.
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So thanks for listening. Listen carefully today. Great opportunity today again to win
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a twenty five dollars gift card to Buffalo Wild Wings. And speaking of last
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week's program, anytime we talk with our retirement planning professionals about social Security,
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it's always a very popular topic. You can listen back to last week's program
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as well as subscribe to the podcast at classfinancial dot com that's Klaas Financial dot
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com. Of course, today's topic very timely. Get some updates on some
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tax shifts we should be aware of as we begin the new year as well
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as of course begin our planning, right CJ. That's right. So the
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RUSS always comes forward with some updates every year, many of which change just
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due to inflation adjustments. And we do understand as we start talking about kind
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of twenty twenty four that many people are still stuck in twenty twenty three,
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and it's because they're thinking about this relative to filing their taxes for twenty twenty
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three. And that's good. So as an fyi, the IRS will begin
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to accept your twenty twenty three tax returns on January twenty ninth of twenty twenty
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four, with a deadline of April fifteenth of twenty twenty four. So it's
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good. Continue to work with your accountants, accumulate those ten ninety nine and
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W two's and all of that fun stuff, and be prepared to file income
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taxes four last year. But we are going to the point of this show
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is to focus on twenty twenty four and some of the changes that have been
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implemented. So let's go ahead and start looking at some of those updates to
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make sure that you have the best possible outcome for your financial planning. So
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Adam, number one, an update is that the standard deduction has changed in
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twenty twenty four. So the standard deduction, it's a specific dollar amount that
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the IRS provides each year that may reduce the amount of income on which you
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are taxed. And for married couples filing jointly for tax yer twenty twenty four,
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that standard deduction has risen to twenty nine thy two hundred dollars, which
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is an increase of fifteen hundred dollars from what it was in twenty twenty three.
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Now, FYI, we are not giving you any increased amounts above that
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for people who are over sixty five. So there are other numbers besides what
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we're giving to you today. But here's the point. Standard deduction has increased.
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For single taxpayers and married individuals who file separately, the standard deduction rises
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to fourteen thousand, six hundred for twenty twenty four, and for heads of
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household the standard deduction will be twenty one thousand, nine hundred for twenty twenty
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four. On top of this, another area that has changed is marginal tax
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rates. Now it's not so much that the rates have changed as a matter
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of fact, four now in the year twenty twenty four, or the rates
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remain the same. That top tax rate, if you don't remember, is
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thirty seven percent. Now to get to that thirty seven percent federal marginal income
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tax, that number is higher than what it was before. You would if
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you are an individual tax parafiling, you know, as an individual, you
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would have to earn over six hundred and nine thousand, three hundred and fifty
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dollars, it would be the amount above that that you would start paying thirty
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seven percent marginal federal income tax. And for married couples filing jointly, that
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number is seven hundred and thirty one thousand, two hundred dollars. So as
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you can see, there's not that many Americans that are hitting this top tax
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bracket of thirty seven percent. But you know these numbers, while the percentages
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haven't changed, it's still thirty seven is the highest than thirty five, then
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thirty two percent, then twenty four percent, then twenty two, then twelve
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and ten. Those are the marginal the federal marginal income tax rates. The
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numbers that correspond with that, meaning the income ranges that correspond with that have
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changed. So we gave you the top number, but I would highly suggest
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that everybody kind of slows down and takes a look at at what would impact
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them. Talking this morning with CJ. Cossmilea Quavis our retirement planning professionals from
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Coss Financials. If you've got a question, now is a prime time to
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get right on the program. All I got to just pick up the phone,
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gives call six oh eight three two one thirteen ten. That's six soh
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eight three two one thirteen ten will get you on the air with CJ.
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Coss and Malia Quavis, our retirement planning professionals from Class Financial online Cossfinancial dot
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com and their telephone number six oh eight four four two five six three seven.
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No charge for that initial get to know your appointment at Loss Financial.
7:39
It will be complimentary to you again their number six oh eight four four two
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five six three seven. Little pause there, CG. I was I was
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debating whether I was gonna gonna give out the telephone numbers or ask you a
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question about the tax rates, which is I think the mistake a lot of
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folks that are unfamiliar with this stuff make. They assume that if I'm making
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two hundred and forty three thousand, seven hundred and twenty five dollars, all
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of my my money will be taxed at thirty five percent. It's progressive,
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right. As you move through, everybody gets to the ten, twelve,
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twenty two, twenty four, thirty two thirty five as they move through.
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Correct, you got it? Yeah, very good observation there, Sean.
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So you know may Again, it depends on how you're filing single, head
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of household, married, filing jointly, YadA YadA. Those numbers can vary.
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But what Sean is getting at here is that people think, oh,
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if I if I go one dollar into the next marginal bracket, that the
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irs is set out there that all of my money, you know, hits
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the higher rate. That's not true. It is the money in each bracket
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that hits. That's why they there's this term marginal bracket and effective. So
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marginal is just simply the highest marginal federal income tax bracket that your dollars hit.
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Effective is your total tax divided by your taxable income. It's either taxable
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income or total income, doesn't matter. It's the it's the like average or
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blending of all of that tax into a rate. So often if you if
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you ever at a cocktail party and somebody says, I pay thirty five percent
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tax, what they're really saying is they're really trying to tell you how much
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incomes they make without telling you how much income they make, which to me
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is a little off putting. But on top of that, that's not really
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true. That's there that maybe their marginal but if your marginal is thirty five,
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you're effective could be eighteen nineteen twenty percent. So you get the idea.
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You do need to be aware of the difference between kind of the blending
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or that average rate which is much lower versus the highest marginal income tax bracket.
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It's great question, Sean, A great point. What about Earned income
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tax credits c J. Yeah, so again in twenty twenty four, the
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Earned income Tax Credit has The amount is now seven eight hundred and thirty dollars
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for qualifying tax payers who have three or more qualifying children. It's an increase
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of four hundred dollars for tax from tax here twenty twenty three. And again
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remember this is for loa to moderate income workers who who have qualified children,
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although even if you don't have qualifying children, you may still be eligible to
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claim the earned income tax credit, but work with your financial advisor or accountant
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to determine if that's true. Another category that's changed are RMD adjustments, So
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this is an adjustment of the RMD age. One change that took effect last
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year in January first of twenty twenty three was the increase of the required minimum
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Distribution age to seventy three now some people are listening going, wait, what,
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No, mine was seventy and a half and that hasn't changed. I'm
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still paying required distributions. So think of it this way. If you were
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not yet seventy two by the end of twenty twenty two, then your new
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required minimum distribution age will be seventy three moving forward. And on top of
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that, for those people born in nineteen sixty or later, which again I'm
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raising my hand, I was born in nineteen six year or later, the
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rmd AG for me and you, if you raised your hand, is actually
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seventy five. So keep in mind that you can distribute funds from retirement accounts
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after age fifty nine and a half at any time without penalty. But of
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course, what we're talking about here is the agent which required distributions must begin,
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So that RMD age is a pretty big deal for a lot of our
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clients. There's some key ages that exist out there, you know, fifty
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five, fifty nine and a half, sixty two, sixty five. There's
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a lot of ages, but a couple big ones are our sixty five when
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Medicare kicks on, and then also required minimum distribution age because if you're not
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using the money. By that time, Uncle Sam's going to come a knock
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in and say you got to start pulling money out of that IRA. Another
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thing is that the penalty for missing your RMD has changed. So if you
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happen to miss taking out your required distribution, the IRS adjusted the penalty down
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in twenty twenty three to just twenty five percent of the shortfall, and beyond
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that, if the mistake is corrected a timely manner, the penalty is even
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further reduced down to ten percent. John, you probably remember during the show
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we used to do hold bits about how crazy the penalty was. It was
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a fifty percent penalty for anything that you missed. Well, that's one of
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the things that during most recent changes, IRS said, you know, that's
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really just too severe. Let's go ahead and make an adjustment down of that
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penalty. And who says the IRS isn't reasonable? True, It depends on
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the day how I feel about that one. About what about Wroth accounts you
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and Malie had mentioned I think we talked a couple of weeks ago, mentioned
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something when it comes to rm ds and those Wroth Yeah, yeah, yeah,
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exactly. So the final kind of change I'm going to mention during my
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section before Malia starts chiming in here is also the elimination of required minimum distribution
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for retirement plan Wroth accounts. Now, when we say retirement plan wroth iras
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have not for a long time had any required minimum district abutions that needed to
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come out of them. But there was this weird thing that like Wroth four
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oh one k's and Wroth foorol three bs they did. So if you left
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your money in an old employer sponsored retirement plan and it was Wroth money and
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you turned say, you know, seventy three years old and we're required distribution
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age or seventy two whatever it was, historically you would have required minimum distributions
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and the only way to avoid that was to roll it over to a roth
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ira. Well, as we mentioned on the show many times, that to
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us was a miss a mismatch, like why like just clean that up and
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you know, true to form, that was one of the things that got
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cleaned up here recently. So good news is now if you leave money in
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those old plans, then it's Wroth money. No longer will you have those
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required distributions. Exciting and really interesting changes and important changes to be aware of
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as we talk with our retirement planning professionals from Class Financial. Don't forget.
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If you ever have a question, you can call the show. We'll get
13:56
you right on the air. Six oh eight three two one thirteen ten.
13:58
That's three two one thirteen ten gets you on the air with CJ. Closs
14:01
and Malia Quavis, our retirement planning professionals from Class Financial. You can learn
14:05
more online COSS Financial dot com. That's Coss k l AA S Financial dot
14:11
com and the telephone number six oh eight four four two five six three seven.
14:16
No charge for the initial gets to know you appointment at Loss Financial.
14:18
It will be complementary to you again. The telephone number for Class financials office
14:22
here in Madison six o eight four four two five six three seven. We'll
14:26
talk about contribution limits with Malia and get more details on that and we'll take
14:30
your call next as Money in Motion with Class Financial continues right here on thirteen
14:35
ten WIBA. This is Money in Motion with Class Financial, a fun and
14:43
informative show designed to help you get answers to all your retirement questions in one
14:48
place. Well minds are open for you right now at six oh eight three
14:52
two one thirteen ten. That's three two one thirteen ten gets you on the
14:56
air with our retirement planning professionals, Malia Quavis and CJ. Closs. Of
14:58
course they come to us from Coss Financial online, Coss Financial dot com.
15:03
That's k LaaS Financial dot Com. Telephon umber for the office right here in
15:07
Madison. Six oh eight four four two five six three seven. No charge
15:11
for that. Initi'll get to know you, Appoyment dech Loss Financial. It
15:13
will be complimentary to you again. They're telephone number six oh eight four four
15:18
two five six three seven. New year, new rules when it comes to
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taxes and other things we were concerned about, not worried about, concerned about
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and aware of. That's the word I'm thinking of, is aware of when
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it comes to planning for twenty twenty four. And Malia, what about things
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like limits for contributions in twenty twenty four when it comes to our retirement accounts.
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Yeah, we get really excited at the beginning of the year. You
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know, everybody's setting down their health goals usually and hopefully, from our perspective,
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their wealth goals as well, and so it's really a good time to
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reassess how much you are able to shelter away into your retirement accounts. And
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so for some people, maybe they're starting the year with a little bit of
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a pay raise, even a few percent, and we would recommend you look
16:04
at diverting some of that. Say you got a three to four percent increase,
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maybe you take a percent or two and direct that to your four oh
16:12
one K or other retirement plan contributions. So keep that in mind as you're
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sitting down and looking at what can I do for the year. The reason
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we bring this up right now, at this point in January so early on,
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is that for those who are contributing to a retirement plan at work,
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you have to understand that any amount you contribute needs to be in by December
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thirty first of that year through your payroll in order to get the deductions you
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know, right, you know the for tax purposes with iras, those are
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quite different. You do have up till April fifteenth, the very year,
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so to get your contributions in there. So we want to make sure that
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if you're putting into a retirement plan at work, that you look at how
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many pay periods you're gonna have. Obviously you can put more in at different
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times of the year, but we would say get on a system, look
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at how much you can put away, and see if you can in fact
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put more in or perhaps even max it out. So today, when we're
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talking about four oh one K, four oh three B and most four fifty
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seven plans out there, and the federal government's Thrust Savings Plan, the TSP
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plans in twenty twenty four, you should know that they've been increased to twenty
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three thousand for this year that you can put into those, and you have
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a seventy five hundred dollars catch up for those people who are over fifty years
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of age, so total of thirty thousand, five hundred in in tax hier
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twenty twenty four. Now IRA contribution levels have increased as well. They're up
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to seven thousand plus one thousand dollars ketchup for those over fifty, so a
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total of eight thousand dollars. And one thing that the Secure two point Zero
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Act twenty twenty two suggested is that we will start seeing an annual cost of
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living adjustment for the iras going forward. It just happens to remain at the
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thousand dollars for twenty twenty four. The catch up. Another change we see
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is qcds. So in twenty twenty four, and we discuss this quite frequently
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on this show. This is with regards to those required minimum distributions and where
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you can choose to direct them. So we're talking about qcds, which are
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qualified charitable distributions, and so that is a way in which you could direct
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some of those rmds and by doing that, and as long as they are
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sent directly to a qualified charity, again not your children, but a qualified
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charity that allows for you and the organization to skip the tax portion the taxing
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of it, which everybody smiles about. And previously the maximum annual limit for
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that was one hundred thousand. That was the most she could do per year.
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I mean some people maybe it's five thousand dollars, but it's good to
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know what the limits are. Now in twenty twenty four, that's actually increasing.
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This is linked to inflation and a new amount set is one hundred and
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five thousand, so just be aware of that. Again, we're talking about
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rmds and qcds and how they interact. And the rmd ah that CJ just
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mentioned varies according to what year you were born. But just to specify special
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note, you must be seventy and a half or older. You don't have
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to wait to be rmd AG as he was speaking of to be able to
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make a QCD. Okay, so many times people are looking at I'm charitably
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minded. I need to reduce the amount I'm keeping in my tax deferred accounts
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because eventually I'm going to have to be pulling those required minimum distributions. Some
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people get ahead start on that, and they can start as early as seventy
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and a half. So that's a great great thing to consider as you're sitting
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now with your acountant or your financial advisor. Some other changes we see additional
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employer contributions now can be eligible for ROTH treatment, so this actually went into
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effect last year. However, it does require that employers have updated systems and
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paperwork in order, but the point of it is employers are permitted, although
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it's still discretionary to deposit matching and or non elective contributions to employees' designated WROTH
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accounts. This used to be not the case. So this is actually a
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really nice thing. Again, every employer might not be quite doing it yet,
20:37
but it's nice to know that that's definitely now in place for many The
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iris is also raised phase out income ranges for iras, so many people understand
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if they have a workplace retirement plan, they might not be able to contribute
20:52
to a traditional IRA. Currently, for twenty twenty four, the phase out
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range is now between seventy seven thousand and eighty seven thousand and twenty twenty four,
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so those those totals went up by about four thousand dollars. So what
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that means is more people qualify for a deduction based on their contributions. And
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then now the income limit for roth iras is also higher. In twenty twenty
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four, the maximum you can earn and still contribute to a roth ira is
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one hundred and sixty one thousand for single tax filers, that's up from one
21:23
hundred and fifty three thousand, and if you're married and filing jointly, your
21:29
joint modified adjusted gross income must be under two hundred and forty thousand. So
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there's some changes every year, and today we're just highlighting some of the main
21:38
ones that concern our clients, but certainly know this list is not exhaustive.
21:44
Today there's plenty of other IRS adjustments, but we didn't want to bore you
21:48
for twelve hours today. It's nice too that the IRS is making this stuff
21:52
digital nowadays because the numbactories that word that were sacrificed in years past to get
21:59
this information. Yeah, a lot of solid, great information speaking of online
22:04
and things available online. Cossfinancial dot com. That's k l a a s
22:10
Financial dot com. It's a great website and resource to learn more about COSS
22:12
Financial their separate divisions. Also sign up for the weekly Market Pulse newsletter all
22:18
at Cossfinancial dot com. That's k l a a s Financial dot com and
22:22
their telephone number six oh eight four four two five six three seven. No
22:26
charge for that initial gets to know you appointment tech Loss Financial. It will
22:30
be complementary to you again that number six oh eight four four two five six
22:34
three seven will take her down the home stretch. Get some other other changes
22:37
you need to be aware of and whilst do the class quiz lush leak next
22:41
as Money in Motion with Coss Financial continues right here on thirteen ten wib E.
22:51
This is Money in Motion with Class Financial, a fun and informative show
22:56
designed to help you get answers to all your retirement questions in one place.
23:00
Talking this morning with our retirement planning professionals from Class Financial, CJ Closs and
23:04
Malia Quavis, I mentioned the website before the break, it's a great resource
23:08
learn more about COSS Financial. If I mentioned the weekly market paulse newsletter,
23:12
it's a great little email you received once a week in your inbox. You
23:15
sign up for it. It's got a little snapshot of what's been going on
23:18
in the markets. Also linked to the most recent podcast again that available to
23:22
you at Cossfinancial dot com. Their telephone number six oh eight four four two
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five six three seven. No charge for that initial get to know you appointment
23:30
at Coss Financial. It will be complimentary to you again their number six oh
23:33
eight four four two five six three seven. Into the new year, talking
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about planning and things to be aware of when it comes to twenty twenty four.
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Things that have changed, some of some of the bigger things, don't
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forget. As we talked this morning, all this great information is available at
23:48
the podcast at classfinancial dot com and CJS. We kind of wrapped things up
23:52
this morning. There are other changes, as I Omalia mentioned as well that
23:56
there's a lot of stuff changing every year. This is kind of These are
24:00
kind of the bigger things that that people encounter. But what are some of
24:06
the other things that are kind of grabbing your attention? CJ. Yeah,
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I know you're right, Sean, there's a lot and WILLI mentioned that.
24:11
So certainly, if there's anything we don't mention, feel free to either look
24:15
it up online or give us a call. But we're trying to hit on
24:18
a few big areas that hopefully, if you're paying attention enough while you're at
24:22
work or at home, that it will say, hey, that applies to
24:25
me. So another area of change has been there's higher FSA and HSA contribution
24:30
limits. So FSA stands for Flexible Spending accounts. HSA stands for Health savings
24:36
accounts. You know our industry, we love our acronyms. But in twenty
24:41
twenty four, those with flexible spending accounts can contribute up to three two hundred
24:47
dollars pre tax to pay for healthcare costs. And of course by contributing to
24:51
the account pre tax, you can reduce your taxable income and ultimately what you
24:55
owe the government. Now, FSAs are different than hsas, so the irs
25:00
also raise a contribution limit for health savings accounts to four one hundred and fifty
25:06
dollars for single filers and eighty three hundred dollars for families. Now those limits
25:11
are over seven percent higher than they were in twenty twenty three. And also
25:15
remember there is a catchup of one thousand dollars per individual on the HSA contribution
25:21
if you're over the age of fifty five, so really good provisions there.
25:26
Do work with your account or financial advisor to understand the difference between an FSA
25:30
and an HSA. You have to be eligible for an HSA or an FSA,
25:34
and so again, if it applies to you, you'd probably know what
25:37
I'm talking about. Another area of adjustment is student loan match benefits, So
25:42
this is very interesting. Starting this year, employers will be able to match
25:48
employee student loan payments with matching payments to a retirement account, giving workers an
25:56
extra incentive to save while also paying off their education loans. That means if
26:00
your employer offers to match your four oh one K contributions, you could still
26:06
get that matched money without ever depositing funds into your retirement account. Instead,
26:11
your monthly student loan payment could count as that quote unquote contribution. So this
26:15
is a big deal. Think about it. You know, prior it used
26:18
to be, hey, we'll you know, match you dollar for dollar up
26:21
to three percent. Well what if you're just out of college and you get
26:23
a good job and you want to save into the four oh one K,
26:26
but you need to be paying off your student loans, you know, which
26:29
is good? People like us financial advisors would say, do that. Well,
26:33
what you were doing was leaving free money on the table with your employer.
26:37
Well, now employers can add this student loan matching piece, which is
26:41
if you're if you can prove that those moneies are going towards a student loan,
26:45
we will say that qualifies for our matching dollars. So really really cool
26:48
provisions. And then finally, there's also this option. Some of you have
26:52
heard about it. I know it because clients come in and talk to me
26:56
about it. It's five twenty nine plan. Assets have new provisions. So
27:00
if you have held your five to twenty nine plan five twenty nine is typically
27:03
known as a college savings plan, that money can now be rolled over to
27:07
a wroth IRA for the beneficiary. However, there's a bunch of stipulations.
27:12
One I already mentioned, it had to have been open for at least fifteen
27:15
years. It is still subject to annual wroth contribution limits, and it has
27:21
an aggregate lifetime limit for each beneficiary of thirty five thousand dollars. The rollover
27:26
gets treated as a contribution towards as a contribution towards the annual wroth Ira contribution
27:33
limit. So just think of it as, Hey, if what if I'd
27:37
put money in a five to twenty nine for my kid? They don't go
27:38
to college or can't you know, have educational expenses to make deductions on a
27:45
qualified basis from that five twenty nine, what can they do? The money's
27:48
kind of stuck. While good news is that's not the case. You could
27:52
for that beneficiary do wroth Ira contributions up to thirty five thousand dollars over a
27:59
lifetime, So there's another good option for those five twenty nine funds. Fantastic
28:03
stuff this morning, as always from our retirement planning professionals from Class Financial,
28:07
CJ. Closs and Malia Quavis. Learn more online about Class Financial grave website
28:11
classfinancial dot com. That's k l Aasfinancial dot com. Now the telephone number
28:15
for the office right here in Madison six'h eight four four two five six
28:18
three seven. No charge for that initial get to know your appointment Tech Loss
28:22
Financial. It will be complimentary to you again their number six oh eight four
28:26
four two five six three seven. Go want to hold on to that telephone
28:29
number now as well, because it's time for the class quiz question of the
28:33
week. It works like this and just a moment, I'll ask you the
28:34
class quiz question the week. You will then have thirty minutes from the inter
28:37
Today's program to call the Class Financial office right here in Madison at six oh
28:41
eight four four two five six three seven. If you are the first call
28:45
with correct answer, you win this week's prize, which is a twenty five
28:48
dollars gift card to Buffalo Wild Wings. This week's closs quiz question the week
28:52
is this, what is the amount of the standard deduction for married couples filing
28:57
jointly for tax year twenty twenty four. Is it twenty five thousand dollars or
29:03
twenty nine thousand, two hundred dollars. Telephone number six oh eight four four
29:08
two five six three seven, first call correct an So when that twenty five
29:11
dollars gift card to Buffalo Wild Wings. Don't forget as well. That's Coss
29:15
Financials office right here in Madison. Their number six oh eight four four two
29:18
five six three seven C J. Maleia. It's always informative and great hanging
29:22
out with you guys. You enjoyed this beautiful day. Thank you. Take
29:26
care. Guys. Speaking of retirement after a nearly fifty while fifty year career,
29:30
Mark Cain is retiring over at Channel three. Tomorrow will be his last
29:34
day. He'll be joining us next right here on thirteen ten WIBA. This
29:42
is Money in Motion with Coss Financial Asset Advisors, LLC, a registered investment
29:48
advisor registered with the SEC. The content of this show is for informational purposes
29:55
only and should not be considered individual investment advice. Class Financial does not offer
30:00
tax or legal advice. Any opinion offered during the course of this show is
30:04
the opinion of that particular investment advisor representative, and not necessarily the opinion of Class Financial