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Future Proofing Your 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. At
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our telephone lines. They are open right now if you've got questions for our
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retirement finding professionals from Class Financial joined this week by Cjkloss and Malia Quavis to
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get on the air and join us. Love to hear from you. Phone
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number six oh eight three two one thirteen ten. That's six oh eight three
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two one thirteen ten. Gets you on the air with CJ and Malia.
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Don't forget. You can learn more about Class Financial on the website Cossfinancial dot
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com. That's Klaasfinancial dot com. Great website to learn about the team at
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COSS Financial. Also learn about their separate divisions. Listen back to the podcast,
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sign up for the weekly Market Pulse newsletter. There's just so much there.
0:46
If you haven't checked out the website yet, definitely do that this morning.
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It's Closs Klaas Financial dot com and their telephone number for the office here
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in Madison six oh eight four four two five six three seven. No charge
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for the financial get to know you appointment at costs financially, it will indeed
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be complimentary to you again their number six oh eight four four two five six
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three seven and you get on the air this morning three two one thirteen ten.
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That's three two one thirteen ten, without any further ado, CJ.
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How you doing this morning? I'm doing great. How are you, Sean,
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I'm doing really well. Great to talk with you, Malia. Are
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you ready for this heat wave? I think we are, so we're all
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sign out. Since last week this has been quite something. Amazingly, you
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see, double digits are like, yes, yes, some stuff. We've
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got an important conversation as always when it comes to kind of the design of
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our future retirement and traditional roth iras fun all these it's gonna be good will.
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I will tell folks this. I was going over the notes earlier this
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week and I'm like, this is a lot of really really good stuff.
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So you're gonna want to pay close attention for a number of reasons. One
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great information, great conversation, also a chance to win a fantastic prize.
1:52
This week, our friends from Class Financial have provided a twenty five dollars gift
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card to Applebee's for the Class Quiz Quash Week. We'll do that a little
1:59
bit later on in the program. A little tip if you listen closer to
2:01
the program, not only do you get that great information, you will get
2:05
a preview of the question answer because just about every time the question and answer
2:08
come up during the program, So pay close attention for your chance to win
2:12
at twenty five dollars gift card to Applebee's. We'll tell you all about that
2:15
a little bit later on in the program how you can do that and win
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that twenty five dollars gift card. Before we get rolling on this week's conversational,
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let's actually take a look back at last week's program, the class quiz
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question a week there and the answer as well. Yeah, so last week
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we were forging ahead planning for Believe it or Not twenty twenty four, looking
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at tax season, which we won won't be realizing until twenty twenty five,
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but we like to plan ahead here at COLOSS. So last week we discussed
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numbers regarding standard deductions that you can look forward to for tax year twenty twenty
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four. So the question was, what is the amount of the standard deduction
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for married couples filing jointly for tax year twenty twenty four? Was it twenty
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five thousand dollars or twenty nine thousand, two hundred dollars? Again, that's
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for this current tax share And Jim A. Madison was our first correct answer
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that called in congratulations to him. Correct answer was twenty nine thousand, two
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hundred. So again that will be for twenty twenty four. Not to confuse
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people. So thanks for listening, listen carefully for today's question. Congratulations Jim,
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and don't forget if you missed any part of last week's program. I
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want to listen back, you want to share it with your friends, or
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of course listen back to this week's show. We can always head on over
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to Cossfinancial dot com. That's k LaaS Financial dot com. That's where you'll
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find the podcast as well as link to subscribe right at colossfinancial dot com.
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So today we're going to be talking about which direction we should consider when we're
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looking at designing our future retirement plan and should we be looking at choosing things
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like a traditional or WROTH account to fund our iras and employee retirement accounts.
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I mean, CJ, there's just a lot, a lot to kind of
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weed through with this stuff, isn't there? Yeah, there is, and
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to be clear as we start the conversation, the most important thing for all
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of our listeners to remember is that you are actually saving. So said another
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way, the basis of any strong financial plan or household financial picture is spending
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less than you make. Let me repeat that, spending less than you make.
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If you do that, you'll be fine pretty much throughout life. But
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it's when we spend more than we make, and often this becomes confusing because
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people say, well, I didn't I didn't intend to, but it just
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kind of happened unintentionally because of debt, service payments, so on and so
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forth. So first things first, just be saving. Now. Once you
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say, hey, I am saving, but I'm trying to determine the best
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way to save, that's where we're our show kind of picks up. So
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let's establish an understanding of the difference between wroth irays and traditional irays, along
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with WROTH four to oh one k's and traditional four to one case. First
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things first, a WROTH account is a special retirement account that you fund with
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post tax income. So again post tax, not pre tax, so there
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is no upfront tax deduction for roth IRA or WROTH four to one k contributions
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as there normally would be with traditional iray or traditional four oh one K.
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Now, wroth irays have the same contribution limits as traditional iras, So in
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twenty twenty four, you can contribute seven thousand dollars maximum if you're under the
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age of fifty, or eight thousand dollars if you're over the age of fifty,
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and then extra thousand dollars between seven and eight is what's called a catch
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up contribution. Now, this can only be be up to what you earn
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in a year, so you can contribute one hundred percent of what you earn
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into that ROTH or traditional ira up to the maximum of what you earn.
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So the idea being if you earn three thousand dollars, you can contribute up
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to three thousand dollars, but you can't contribute more than what you earn.
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So said another way, you have to have earned income to offset the contributions.
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Now, in the case of retirement plans through workplace, think four oh
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one K, four h three B things like that. Those contribution limits in
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twenty twenty four are twenty three thousand dollars if you're under the age of fifty
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with a catch up contribution of seventy five hundred dollars if you're over the age
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of fifty, for a total of thirty thousand, five hundred dollars in twenty
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twenty four, so that limit is up from twenty twenty three. You can
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actually contribute more to those accounts. So remember in a roth IRA or WROTH
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four to oh one k, you do pay taxes now, meaning the same
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tax here that you have made the contribution. You are paying taxes on those
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earnings. And as I said, if you earn less than the amount that
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you're wanting to contribute, you can only earn up to the maximum account or
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a maximum amount that you earn. And also today we're only talking about normal
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contributions into ROTH accounts. Please do not confuse these contributions with the ability to
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consider things like ROTH conversions or backdoor roth IRA contributions. We're really just focusing
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on new money coming into retirement plans, not on conversions. And I know
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its CJ. We've done entire shows because there's a lot too ROTH conversions,
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and we've done entire programs devoted just to those and for folks that want to
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listen back to that or have questions of course you're going to head on over
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to Colossfinancial dot com. That's k l Aasfinancial dot com. Of course,
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we're talking this morning with CJ. Closs and maliak Wuavis, our retirement planning
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professionals from Coss Financial. We'd love to have you join us. To get
7:33
on the air. All you gotta do is pick up phone gifts call six
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oh eight three two one thirteen ten. That's six soh eight three two one
7:40
thirteen ten. We'll get you on the air with CJ and Malia. Get
7:42
your question there. Also, don't forget the telephone for Costs Financial's office six
7:46
oh eight four four two five six three seven. No charge for the initial
7:49
get to know your appointment at Loss Financial. It will indeed be complimentary to
7:53
you. Again. Their number six oh eight four four two five six three
7:57
seven and the number to get on the other this morning six oh eight three
7:59
two one thirteen ten. That's six oh eight three two one thirteen ten.
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We'll take your call. Next, we'll also talk about some of the requirements
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that you need that are there for uh roth ira. Also, what about
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putting money into both a roth ira and a traditional ira. We'll get the
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details on that next has Money in Motion with Class Financial continues right here on
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thirteen ten WIBA. This is Money in Motion with Class Financial, a fun
8:26
and informative show designed to help you get answers to all your retirement questions in
8:31
one place. Ufhone lines here at the station are open to you right now.
8:35
If you've got a question for our retirement finding professionals from Class Financial love
8:39
to have you join us. All I gotta do is dial in six oh
8:41
eight three two one thirteen ten. That's six oh eight three two one thirteen
8:45
ten. We'll get you right on the air with CJ. Claus and Malia
8:48
Quavis from Class Financial. The website colss financial dot com that's k l aas
8:54
Financial dot com. Great website and resource. Learn more about COSS Financial.
8:56
There's separate divisions also get to know the team there and an opportunity to sign
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up for the weekly market Paul Snowsletter. It's a once week weekly email that
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you will receive that makes sense right, once a week weekly. I get
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that, you'll get it give a snapshot of what's going on. The Market's
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also linked to the most recent podcast. Again just heading over to class Financial
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dot com. That's Closs k l A Sfinancial dot com And again phone lines
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are open for you this morning. Six so eight three two one thirteen ten.
9:20
That's six oh eight three two one thirteen ten. And Malia, what
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are some of the requirements and of course some of the benefits to having those
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wroth irays. And for folks that are saying that sounds fantastic, they want
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to know it could put money into both the wroth ira and a traditional ira.
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Yeah, this is where we got everyone excited now because we told them
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just save, save, save, and then again the question comes up,
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you know, is there a better way to save for your particular situation.
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So just some clarity here hopefully will leave you with. First of all,
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the question always comes up, who can contribute to a wroth? You know
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what? What are the ages involved? And we just want to tell you
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right out of the gate that if you have earned income from a job,
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it does not matter what age you are, a roth might be the right
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answer for you. Even if your children or grandchildren might be younger and they
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have some earned income. Hopefully they're not starting to babysit before they're ten or
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thirteen, but if they have some income, they might even be a candidate
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to open up a roth ira, believe it or not. Well, so,
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but what what you want to concentrate on today is eligibility limits. Okay,
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so many people are familiar with this when it comes to roth ira.
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They're like, well, I think I can contribute, but I might not
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be able to get you know, I might not be able to contribute as
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much as I want to because I think I make too much income. And
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that's what we're going to discuss right now. So if you do make too
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much money, you might not be able to fully contribute to a roth ira.
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However, you might be able to make a partial contribution, and that's
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where we discuss the word phase outs. So it depends where you fall with
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your income and how you file. So we want to tell you in twenty
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twenty four the phase out ranges for married finally jointly taxpayers that make contributions to
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roth iras the phase out meaning the most you're going to be able to.
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You know, the beginning and ending of that bracket is two hundred and thirty
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thousand to two hundred and forty thousand for married couples finally jointly. So depending
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where you fall, it'll depend how much you can contribute for singles and heads
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of household income phase out ranges between one hundred and thirty eight thousand to one
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hundred and fifty three thousand. So what we're talking about here is if you're
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making over one hundred and fifty three thousand, you're not going to be able
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to make that WROTH contribution. And one thing we want to touch upon that
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CJ mentioned was total contribution reminder, So he gave you the amount the maximum
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you can contribute into iras, but we want to make sure that you understand
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that the total amount that one person can contribute to all all their iras any
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given year, it's a collective amount, so it doesn't matter if you want
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to put it into WROTH or traditional. Collectively, the most you can put
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in twenty twenty four is a maximum of seven thousand if you're under fifty a
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CG stated or eight thousand for the ketchup if you're over fifty by the end
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of the year, so you could put three thousand and one and four thousand
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in the other if you're under fifty. It depends on your situation. That's
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why we'd say speak to your accountant to see if it makes sense, makes
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sense in your situation or to your financial representative benefits of a roth IRA.
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This all depends on your tax bracket. So really what we're looking at is,
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you know, if you're a high income earner, doesn't make sense to
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take that tax deduction now or are you looking into the future when you retire
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expecting perhaps your tax rate to be you know, higher or lower. So
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really, with a wroth IRA, it takes tax uncertainty out of the question
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because those WROTH contributions, as you remember, a tax step front, whereas
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the traditional IRA contributions are tax deductible. So those are important to understand in
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your particular situation. You know, when do you want to pay tax?
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Everybody's paying tax, but when do you want to pay tax? And when
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does it make the most certainty for your situation? And then we say,
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who could use a WROTH account? So we often will look at, you
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know that their ideal savings vehicles for young and sometimes lower income workers who aren't
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even going to miss that upfront tax deduction. But then we get into the
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estate planning aspects of this, and really wroth iras might be a solution for
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those people who want to leave assets kind of legacy assets to the error's tax
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free. But we do want to point out so the idea here is if
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you're leaving traditional iras for those people beyond you, those accounts will require minimum
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distributions, whereas roth iras do not. However, this is the key here.
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If you leave behind roth ira for your grandchild, for example, they
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will have to deplete it or liquidate it within a ten year period. So
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just understand that the whys and why not and what makes sense for your situation
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as you put money in or as you leave it behind for beneficiaries. Really
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good to have options, but obviously some very important nuances and understanding. That's
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one of the great things about starting that conversation with the folks at Clause Financial.
14:37
They make it real easy to do. All I got to do is
14:39
pick a phone, gimme call six oh eight four four two five six three
14:43
seven at first get to know you, appointment conversation. It will be complimentary
14:46
to you again. Their telephone number four four two five six three seven.
14:50
The website Class financial dot com that's k l a A S Financial dot com
14:54
and CJ. As we're talking this morning about roth iras are they are they
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more flexible than the traditional irays. Beyond any tax rates, there are some
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unique features of a WROTH that could influence your decision about whether to contribute to
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a Wroth iray, so one of those being flexibility. You can withdraw your
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contributions at any time without taxes or penalties, although you normally have to hold
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the WROTH account for at least five years and be at least fifty nine and
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a half before you can tap the earnings tax free and penalty free. Now
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there are some exceptions including death or disability the account holder, or using up
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to ten thousand dollars to purchase a first time home. In addition, you
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can avoid the ten percent early withdrawal penalty if any of those situations apply to
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you, And there's a whole list of them on the IRS website that you
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might want to kind of take a look at, but higher education being one
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of them, so take a look at that list because there can be penalty
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free withdrawal options. But in general, one of those biggest flexibility components would
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be you can withdraw contributions at any time without any tax or penalty, which
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in the case of a traditional IRA would not be the case. With a
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traditional ira, everything, your contributions and your earnings need to stay in there
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till fifty nine and a half. Now. Another benefit of the wroth account
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is that there are no mandatory withdrawals also known as required minimum distributions or minimum
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required distributions. And this is one of the big reasons why when people get
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into retirement and their income drops, think of it as their taxable income declines
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and the amount of tax they're paying declines. This is one of the reasons
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that people will look at wroth conversions is because they say, hey, if
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I leave it alone for too long, I'm going to have required minimum distributions
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when I turn you know, seventy three. But if I get it into
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a WROTH account, bad news is I have to pay taxes now. The
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good news is that there's no required minimum distribution on a WROTH account now.
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I will mention with the passing of the Secure Act, one thing that has
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changed, and we've done entire shows on this, is that it used to
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be that roth iras had no minimum distribution, which is still the case,
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but also that your benefisheries would be able to stretch out the deferral or the
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tax free growth of that roth ira over their lifetime and have what are called
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lifetime required distributions as beneficiaries or inheritors of that account. Well, that has
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been changed now. If you inherit a roth ira or a traditional ira,
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and you are a non spouse and a non minor, you generally have to
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take that money out over a ten year period, So it has to all
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be out over ten years, So that's just something to be aware of.
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Can you save during retirement as well in these cj Yeah, as long as
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you've earned income, you can continue to make contributions to a roth ira.
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So again, and this is actually true of roth or traditional It used to
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be just one or the other. Now you can do roth ira or traditional
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ira contributions even if you're in retirement, even if you're at required minimum distribution
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age, you can do contributions to either one as long as you have earned
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income. That is a key. And again be aware of this five year
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rule. It states that you must wait five years after your first contribution to
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a roth ira to withdraw your earnings tax free. So here's where this comes
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up. If you have a wroth four to oh one k and you have
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no roth ira, and say you turn fifty nine and a half or sixty
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or sixty five, and you decide I want to retire, and I want
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to roll over my pre tax money from my four oh one k to a
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traditional ira, and I want to roll over my WROTH money to a roth
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ira, which makes perfect sense. The trick here and the key is,
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well, you haven't had a roth ira open for five years. So even
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though you are over the age of fifty nine and a half and you should
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be able to withdraw earnings penalty free, you can't. And so what can
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get tricky is you've got to have that wroth ira open for five years.
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Say you open it up at sixty five. When you retire, you can't
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pull out the earnings of that new wroth account until seventy. So here's the
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kind of key to to all of this. Talk to your financial advisor or
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your money manager about establishing a roth ira well before retirement so that then when
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you get to retirement and do your rollovers, you're not sitting around waiting for
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a clock to hit the five year mark. Fantastic information, great stuff to
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have options. Speaking of options, but if you've got a roth four o
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one K option available at work, with the details from Elia on that in
19:38
just a moment. In the meantime, if you have been to the website,
19:41
head on over there now Class Financial dot com that's k l aas Financial
19:45
dot Com. Great opportunity to learn more about Coss Financial. There's separate divisions.
19:49
Also the team there again at Cossfinancial dot Com telphon number six oh eight
19:53
four four two five six three seven, No charge for that initial gets to
19:56
know your appointment to at Coss Financial. It will be complementary to you again
20:00
their number six O eight four four two five six three seven will wrap up
20:03
our conversation about Wroth four oh one k's. We'll also get on over to
20:07
the Money in Motion listener question corner and do the Class Quiz question leak.
20:11
It's going to be a pack segment up next here on thirteen ten wi BA.
20:18
This is Money in Motion with Class Financial, a fun and informative show
20:22
designed to help you get answers to all your retirement questions in one place,
20:26
talking with our retirement planning professionals from Class Financial, Malia Quavis and CJ.
20:32
Coss. Don't forget about the website Colossfinancial dot Com. That's k l a
20:36
As financial dot com. Great website. Now the telephone number six O eight
20:40
four four two five six three seven. No charge for that initial get to
20:42
know you appointment at Loss Financial. It will be complementary to you again the
20:47
number six O eight four four two five six three seven. So uh CJ.
20:52
As we kind of break this stuff down, WROTH four oh one k's
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let's say you have that availability at work. Are there advantages of participating in
21:00
those? And what about employer matches in folks plans? Yeah, good question.
21:04
So for many of our listeners, you may have a choice in your
21:07
retirement plans to choose a WROTH for a one K option. As a matter
21:11
of fact, this is almost going to be required as we move forward with
21:17
some changes in legislation. So most of our listeners, if you have a
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four h one K or four h three BE available to you, you're probably
21:23
going to have a WROTH four oh one K or four h three BE savings
21:27
option as well. And by the way, often people say, well are
21:32
the returns better between one or the other, and think of these as different
21:34
component parts. The way in which you contribute traditional or WROTH is a tax
21:41
question that you should be working through with your financial advisor and or your accountant,
21:45
And it's really an annual consideration. Do I do WROTH or do I
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do traditional? It depends upon your income in that calendar year. So Roth
21:55
versus traditional tax question. The investments are the same, right, So you
22:00
can put that money. If you're putting it into a four oh one K
22:03
plan, they're going to have options available to you, and you can put
22:06
it into anything that you want to. So don't think about this through the
22:07
lens of what's going to grow better, but rather through the lens of what
22:11
will be more tax preferred for me, either now or in the future.
22:15
Now, one of the big benefits of WROTH four oh one k's versus roth
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irays is number one. Obviously that the higher contribution limits, but also no
22:27
income limits. So this is a big deal. You can earn a million
22:32
dollars a year and still max out a WROTH four oh one K plan,
22:36
whereas if you make a million dollars a year, you are not eligible to
22:40
contribute to a ROTH IRA because your income is too high, as Malia talked
22:44
about earlier. So remember WROTH four oh one K is no income limits.
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Roth irays income limits. I already mentioned the contribution levels are higher. But
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remember Malia talked about seven or eight thousand depending upon your age for Irays,
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well, the four oh one K and four oh three B world is much
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higher. We're talking twenty three thousand or thirty thousand, five hundred dollars if
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you're over the age of fifty and so you do make ROTH four one K
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contributions with money that has already been taxed, just as you would with a
23:12
roth Ira, and earnings do grow tax free in both of them, and
23:18
you do not pay tax along the way. You just pay taxes in the
23:23
year in which you contribute it, and then when you retire and pull that
23:26
money out in the future, no tax as long as you kind of pass
23:30
those tests of getting to fifty nine and a half, so on and so
23:33
forth. Now, one big difference here I will mention as it relates to
23:37
roth Ira versus Roth four O one K. When you do a roth Ira
23:41
contribution, so you put seven thousand in over multiple years and you're thirty five
23:47
years old, we already mentioned you can pull out those contributions at any time
23:51
without any tax or penalty. However, a ROTH four to oh one K
23:56
plan is different. The only way you can access contrabutions to a Wroth four
24:00
oh one k is through a loan. You cannot just strip out the contribution.
24:04
So just something to be aware. There a little bit of a difference,
24:08
something you might want to talk to your advisor or your accountant about.
24:11
And then we already talked about the fact that Roth accounts have no required minimum
24:15
distributions, which is wonderful, and that now includes Wroth four oh one k's
24:19
and Wroth four oh three b's. It used to be that Roth iras had
24:23
no rmds, but these retirement plans would and which was crazy. We didn't
24:29
understand why the Wroth retirement accounts would and that has now been fixed through the
24:33
passing of the Secure Act. So a lot of lot of things to remember
24:37
here, but just you know, talk to your advisor, talk to your
24:41
account about what's best for you. One real quick thing to CJI. I
24:44
know for folks that have the option employer match, is this a possibility for
24:48
them as well? Yes, So interestingly enough, for the longest time,
24:52
people would say, hey, if I am contributing, you know, ten
24:56
percent to my Wroth four to oh one k, and my company offers a
25:00
dollar for dollar match, say up to three percent. Are they also putting
25:04
money into my wrath for one kay? And the answer for us was always
25:08
no, no, no no. Your employer money is always pre tax,
25:11
so you can do WROTH, but your employer must do pretex well interestingly enough
25:15
that that could be different. Now you could have the option of actually your
25:21
employer taking those dollar for dollar matching contributions and putting it into WROTH. However,
25:26
you have to pay tax on that. So what I would highly encourage
25:30
you is good news is you have more flexibility and more options now as a
25:33
rate relates to WROTH accounts and matching dollars going into wrath. But what you
25:38
should actually do is going to be something that you're going to want to talk
25:42
to you to your advisor about. So just slow down, talk to your
25:47
advisor, talk to your accountant about where you should be putting your money.
25:49
Important stuff, fantastic options and opportunities. Is got to make sure that you
25:53
understand how it all works. That it's a great thing about starting that conversation
25:56
at Coasts Financial aug You just pick a bone gimick six eight four four two
26:00
five six three seven no charge for the initial gets know you appointment that loss
26:04
financial. It will be complimentary to you again the number six oh eight four
26:07
four two five six three seven in the website coss financial dot com. That's
26:12
k l a a s Financial dot com. A lot of great features on
26:15
the website, one which is an opportunity just submit a question to be answered
26:19
here on the program via email with the Money in Motion Listener Question corner.
26:25
And this week Alisha wrote in says, I recently received an inheritance of over
26:30
fifty thousand dollars and I'm wondering where I should look to invest this. Should
26:33
I look at funding my IRA or maybe put some towards my mortgage? Yeah?
26:40
Thanks thanks for sending in that question, Lisha. That a lot of
26:42
people do run into, you know, you know, it's a sad time
26:45
when they inherit money, but also it can help them, you know,
26:48
move forward with their own financial house. So I'm glad you're slowing down to
26:53
kind of look at the situation. Obviously, we always look at where that
26:57
money has originated from, so perhaps it's in an IRA, so it's going
27:02
to become an inherited IRA for you. So there's some different steps that you're
27:06
going to have to look at so you don't create a taxable event for yourself
27:11
year one. But really the correct answer for your situation depends on a lot
27:17
of factors. So we can't speak to exactly what you should do today,
27:19
but we would say as a starting point, at least look at where you're
27:23
at with your current emergency savings. We talked a lot about that on this
27:29
show, making sure you have at least six to twelve months set aside in
27:33
savings. If you should lose your job, then I'd suggest you maybe look
27:37
at any high interest debt that you have out there could be credit cards,
27:41
a student loan, or even a mortgage if you need to work on reducing
27:45
that, because again we're trying to set you up for a future retirement with
27:49
less debt. And then finally i'd look at, you know, after you
27:52
take care of those two areas, then you could look at what you could
27:56
do to add more into your own retirement accounts. Again, if you're starting
28:00
out with an inherited IRA, we might have a different answer. So long
28:04
story short, sit down with a financial advisor, help them, have them
28:10
help you map it out to see what makes sense in your situation. Great
28:12
information, great question, don't freak. You can submit questions right online Colossfinancial
28:18
dot com. That's Cossfinancial dot com speaking of the website and learn more about
28:21
Costs Financial. Listen back to the podcast there as well. It's Closs k
28:25
l aas Financial dot com and their telephone number six oh eight four four two
28:29
five, six three seven. I want to hold on to the telephone number
28:30
now because it's time for the COSS Quiz Question the Week. It works like
28:34
this. In just a moment, I'll ask you the COLSS Quiz Question the
28:37
Week. You will then have thirty minutes from the eng Today's program to call
28:38
the Costs Financial Office right here in Madison at six oh eight four four two
28:42
five, six three seven. If you are the first call correct answer to
28:45
win this week's prize, which is a twenty five dollars gift card to Applebee's.
28:49
This week's Coloss Quiz Question the Week is this, Assuming you have earned
28:53
income, what is the total amount that you can contribute into all of your
28:59
IRA in twenty twenty four If you are over fifty, is it eight thousand
29:04
dollars or sixteen thousand dollars? Telephone number six oh eight four four two five
29:10
six three seven first caught correct answer won the twenty five dollars gift card to
29:14
Applebe's and don't forget as well. That's Class Financial's office right here in Madison.
29:17
No charge for the initial gets to no you appointment at Coss Financial.
29:19
It will be complementary to you again the number six oh eight four four to
29:22
two five six three seven c J Maleia. It's always enjoyable, always entertaining.
29:27
Great to talk with both of you and enjoy this beautiful day. Thanks
29:30
Sean ninety six to three Star Country. They've got the Class Up Show tomorrow
29:33
night. We'll get a preview with Chelsea next here on thirteen ten WIBI.
29:42
This is Money in Motion with Coss Financial Asset Advisors, LLC, a registered
29:48
investment advisor registered with the SEC. The content of this show is for informational
29:53
purposes only and should not be considered individual investment advice. Class Financial does not
30:00
offer tax or legal advice. Any opinion offered during the course of this show
30:04
is the opinion of that particular investment advisor representative, and not necessarily the opinion
30:10
of Class Financial