Latest / WCHS Network Podcasts / 05/12/2025 Retire Right Radio with John Burdette

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05/12/2025 Retire Right Radio with John Burdette · WCHS Network Podcasts

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Speaker 1: Unlock your dream property with Meeks Realty Group, where Rich
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Speaker 1: residential or commercial. We've got Charleston to Huntington covered. Your
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Speaker 1: Contact us at Meeks dot us.
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Speaker 2: The views and opinions expressed on this program do not
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Speaker 2: necessarily reflect the views and opinions of five eight WCCHS,
0:22
Speaker 2: its employees or WVRC Media. This is retire Right Radio,
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Speaker 2: a weekly show from John Verdett at Fourth Avenue Financial
0:30
Speaker 2: that aims to answer your questions about financial planning, investing,
0:34
Speaker 2: and how to retire right. Fourth Avenue Financial is located
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Speaker 2: in downtown Charleston at one seventy Court Street. More information
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Speaker 2: online at Fourth Avenue Financial dot com. Join the conversation
0:46
Speaker 2: by calling three oh four three four five fifty eight
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Speaker 2: fifty eight or text three oh four nine three five
0:52
Speaker 2: fifty oh eight. On Retire Right Radio, let's go live
0:56
Speaker 2: to the studio with host Dale Cooper and John Burdett
0:59
Speaker 2: from Fourth I have a new financial nation.
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Speaker 3: And a very pleasant good warning to you. Thank you
1:05
Speaker 3: for tuning in to retire Right Radio one five dahs
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Speaker 3: the Voice of Charleston. Good Monday morning, I am del Cooper.
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Speaker 3: John Burdett is in a studio with us this morning.
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Speaker 3: We'll be talking about all things to do with your
1:15
Speaker 3: personal finances and how you can learn to retire right
1:18
Speaker 3: and this day in tom that's an important skill to
1:21
Speaker 3: maybe not have. The skill is to find an expert
1:23
Speaker 3: that can do it for you and to make sure
1:25
Speaker 3: that you get it done the right way. You can
1:26
Speaker 3: call John this morning if you have any questions about
1:28
Speaker 3: how you can retire right, maybe questions about a loved
1:30
Speaker 3: one situation. We're gonna talk about some situations today that
1:32
Speaker 3: you may find yourself in and if that raises some curiosity,
1:37
Speaker 3: or you have your own unique situation you want some
1:39
Speaker 3: help to navigate through a little bit, John can at
1:41
Speaker 3: least point you in the right direction and give us
1:43
Speaker 3: a call this morning. Three zero four three four five
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Speaker 3: fifty eight fifty eight three four five fifty eight fifty eight.
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Speaker 3: You can text over questions as well to three zero
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Speaker 3: four non three five five zero zero eight three zero
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Speaker 3: four non three five five zero zero eight. Fourth Avenue
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Speaker 3: Financial could be found online Fourth Avenue Financial dot com.
1:56
Speaker 3: You spot out the whole thing. Fourth Avenue Financial dot
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Speaker 3: Com also do that same search on Facebook. You can
2:00
Speaker 3: like the page over there. John, Good morning, how you
2:02
Speaker 3: doing this morning.
2:02
Speaker 4: I'm doing wonderful.
2:03
Speaker 3: Happy belated Mother's Day to your wife. Oh yeah, it's
2:09
Speaker 3: the Monday after Mother's Day. And you know, things are
2:12
Speaker 3: We always talk a little bit about the week before
2:15
Speaker 3: in the market and stuff like that. Things are are
2:18
Speaker 3: you just don't know yet. You know, there's there's there's
2:22
Speaker 3: the suggestion of deals, and there's been some frameworks of
2:25
Speaker 3: deals that have been talked about. And we have the
2:28
Speaker 3: Paws and China tariffs that have that have been announced
2:31
Speaker 3: for ninety days to get us back to where we
2:33
Speaker 3: were like sort of before the tariffs came into place, so.
2:35
Speaker 4: Which which looks to have stoked the market this morning.
2:38
Speaker 4: So we'll see how that plays out through the day.
2:40
Speaker 3: Oh, all the demand on shipping, there's going to be
2:43
Speaker 3: such a demand on shipping for the ninety day pause period.
2:47
Speaker 3: That's going to be interesting times. It's interesting times, and
2:50
Speaker 3: it always is as far as the market goes. But
2:52
Speaker 3: things last week sort of it looked too bad for
2:55
Speaker 3: the most part.
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Speaker 4: No, I mean last week was kind of a breather
2:58
Speaker 4: week after several weeks of of you know, climbing climbing
3:03
Speaker 4: back up. But yeah, last week was was almost a
3:07
Speaker 4: calm before the storm. I think. I think there are
3:10
Speaker 4: expectations with some of these trade things were going to
3:13
Speaker 4: be uh coming to a head or at least beginning
3:16
Speaker 4: to and so the market was at a breather and
3:20
Speaker 4: the and like I say, this morning, looking at the future,
3:22
Speaker 4: so it looks like it's so at least at the
3:25
Speaker 4: open going to be considerably higher. Techy's looked happy. Yeah,
3:28
Speaker 4: they look happy. You can be able to get parts
3:30
Speaker 4: from China again, so you need to able to have that,
3:32
Speaker 4: I guess right, And the techy's were very happy as
3:34
Speaker 4: far as that goes. So yeah, So we've been following
3:37
Speaker 4: this story, of course since the President took office, with
3:40
Speaker 4: the different trade announcements of tariffs and different things like that,
3:44
Speaker 4: even in a relatively short amount of time. I mean
3:45
Speaker 4: we were only talking four or five months at this point,
3:48
Speaker 4: even in a relatively short amount of time, and the
3:50
Speaker 4: tariffing has been even shorter than that, like from the
3:52
Speaker 4: official rollout of it. We've seen the market. Yes, it's
3:54
Speaker 4: been volatile, it's been up and down a little bit,
3:56
Speaker 4: but we found it regain its legs and basically, well
4:00
Speaker 4: it wants to start turning again. Some situation is going
4:02
Speaker 4: to come up where it just catches, catches back on
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Speaker 4: and starts going the way that we've always expected.
4:06
Speaker 3: You can you can see it. You can see that.
4:08
Speaker 3: It's that it's chugging along. There's just other pressures right now.
4:12
Speaker 4: Yeah, no doubt about it. And and it's a good
4:14
Speaker 4: example of why when the fear is the highest, it's
4:18
Speaker 4: probably the wrong time to make those decisions. You know,
4:20
Speaker 4: when you were feeling that anxiety yourself, so so was
4:25
Speaker 4: everybody else in the market at that time, and people
4:28
Speaker 4: were were selling at that time. The ones that held
4:32
Speaker 4: firm and held strong are the ones now that are
4:34
Speaker 4: benefiting from it. Because if you got out of the
4:36
Speaker 4: market when fear was the highest, when the market was
4:40
Speaker 4: the lowest, when did you get back in now? Are
4:44
Speaker 4: you in yet or are you waiting for another shoot
4:47
Speaker 4: to fall, which it may nobody knows, but well, you're
4:50
Speaker 4: you've missed out on thousands of points of recovery. It
4:54
Speaker 4: makes it a very difficult game to win when you're
4:57
Speaker 4: when you're trading and moving money on emotion.
5:01
Speaker 2: That's very true.
5:01
Speaker 3: One thing that I noticed this weekend, and this is
5:04
Speaker 3: this is like the definition of anecdotal, but it was
5:06
Speaker 3: an observation that I made, and I pay attention to
5:08
Speaker 3: these kinds of things around my neighborhood. Walking around the
5:10
Speaker 3: neighborhood this weekend, just going for a walk with my kid,
5:12
Speaker 3: up and down the blocks and different things like that,
5:14
Speaker 3: I've noticed three decks being built, big decks. Three big
5:18
Speaker 3: decks being built. In an addition, being put on a
5:21
Speaker 3: house that's a couple streets over from me and another place.
5:24
Speaker 3: I think it was having sighting done or something of those.
5:26
Speaker 3: That's a relatively normal springtime thing to do. I mean,
5:29
Speaker 3: I kind of get the sighting thing, but the rest
5:30
Speaker 3: of these are kind of expanses. You know, those are
5:33
Speaker 3: optional things that you're putting into your home. So people
5:37
Speaker 3: are bettering their houses in my and honestly in my neighborhood.
5:41
Speaker 3: That's something that's been kind of up and down. You know,
5:43
Speaker 3: it's over in Canall City. Some pockets of it. Things
5:46
Speaker 3: happen at a nice pay. Some things are liking behind
5:48
Speaker 3: quite a bit. But this is relatively active in my
5:50
Speaker 3: neighborhood right now. People must be able to do something.
5:54
Speaker 3: I mean, as far as.
5:54
Speaker 4: Look downtown, there are a couple of construction sites go
5:57
Speaker 4: on pretty good projects. Across the river. The construction looks
6:04
Speaker 4: to be almost complete on the new gas station. And oh,
6:07
Speaker 4: that's gonna be a great gas station.
6:08
Speaker 3: Yeah, the one next to the old lottery or where
6:12
Speaker 3: the old lottery building is right here where lowries and stuff.
6:14
Speaker 3: Over there, there's been a it's been a gas desert
6:16
Speaker 3: over in that area forever. That's a I've always wondered
6:18
Speaker 3: why there wasn't one in between Canal City and howth Charleston.
6:21
Speaker 4: Basically the handy Arby's on the way home.
6:23
Speaker 3: No right, they got to meet some man. But you're right,
6:27
Speaker 3: it's just it's good to see. I mean, people can
6:30
Speaker 3: have their their levels of concern and different things along
6:33
Speaker 3: those lines, but it is just see good to see
6:35
Speaker 3: the business of business still being done, and especially at
6:38
Speaker 3: a residential level. In my neighborhood. It's not a neighborhood
6:41
Speaker 3: that goes through a lot of these things, so it's
6:43
Speaker 3: kind of nice. Even a new fence, that's all a
6:44
Speaker 3: couple of new fencers. Like, hey, they got a new fence.
6:46
Speaker 3: Looks good, you know, I mean, it's kind of nice
6:47
Speaker 3: to see that kind of thing.
6:48
Speaker 4: No doubt. And and you know, if you look at
6:50
Speaker 4: the market right now, real estate market, residential real estate
6:53
Speaker 4: in Charleston, Hey, there's nothing for sale, Yeah, nothing at all,
6:57
Speaker 4: really not much for sale, and prices are for which.
7:00
Speaker 3: Is probably why people are like building decks and additions
7:02
Speaker 3: and stuff. Is because you can't get a house.
7:04
Speaker 4: Yeah. Yeah, it's it's pretty you know, pretty tough, and
7:07
Speaker 4: prices are higher, there's no there's no doubt about it.
7:11
Speaker 4: And that usually you know, doesn't happen when the world's
7:15
Speaker 4: about the.
7:15
Speaker 3: End, as far as we know, hasn't as far as
7:20
Speaker 3: we know. You can get on the conversation this morning,
7:22
Speaker 3: three zerre four three four five fifty eight fifty eight.
7:23
Speaker 3: Three zero four three four five fifty eight fifty eight.
7:25
Speaker 3: One of the things that we want to talk about
7:26
Speaker 3: this morning kind of our main topic unless and unless
7:29
Speaker 3: you dear caller, send us in another direction. We want
7:31
Speaker 3: to talk about involving your adult children and your financial planning.
7:35
Speaker 3: And this can be something that's very important, not only
7:37
Speaker 3: if maybe you're at you come to a point where
7:39
Speaker 3: you become incapacitated, even not critically, but incapacitated to some degree,
7:45
Speaker 3: and people need to have access to things. But also
7:49
Speaker 3: especially in your actings like that, you put together your estate,
7:52
Speaker 3: everybody does their their due diligence with that, and you
7:56
Speaker 3: take the advice he my parents went through a state planning.
7:58
Speaker 3: That's what you're supposed to do, right, But even then,
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Speaker 3: if there's not communication that's involved there as much as
8:04
Speaker 3: possible of somebody putting together a tight a state, it
8:06
Speaker 3: doesn't mean there's not going to be any confusion whatsoever,
8:09
Speaker 3: because you have when you have adult children involved in
8:11
Speaker 3: things like that. So there's all types of things we
8:14
Speaker 3: need to talk about with where the documents are, the
8:16
Speaker 3: big picture planning, what happens with long term care, something
8:19
Speaker 3: along those lines. So we have all types of things
8:21
Speaker 3: that we can talk about this morning as far as
8:23
Speaker 3: that goes, and as far is there a general rule
8:25
Speaker 3: when we start talking about this type of You have kids,
8:29
Speaker 3: you're planning for retirement, so there's going to be something
8:32
Speaker 3: more than likely. So what's the first general rule when
8:34
Speaker 3: it comes to something like that.
8:36
Speaker 4: Well, you know, every family is different. Some families are
8:40
Speaker 4: very very private and some are very very open. I
8:43
Speaker 4: mean I have clients that will come in even bring
8:47
Speaker 4: their younger children in you know, teenagers, things like that,
8:51
Speaker 4: to try to educate them on the market on how
8:56
Speaker 4: you save for goals and retirement and and and you know,
9:01
Speaker 4: those those type of things. And in early on that
9:04
Speaker 4: can be very very important, very valuable, because you don't
9:07
Speaker 4: get a lot about in in uh, in formal education,
9:12
Speaker 4: and and so having some exposure to that young certainly
9:16
Speaker 4: is a huge benefit. And so I always encourage, you know,
9:20
Speaker 4: if you want to bring your children, you know, bring
9:23
Speaker 4: bring them in. I mean, certainly if they're of the
9:25
Speaker 4: age where they can kind of grasp some of the concepts.
9:30
Speaker 4: And and then as clients age and progress uh through retirement,
9:34
Speaker 4: uh and and people are living longer, you know, I
9:38
Speaker 4: see it a lot more these days of you know,
9:42
Speaker 4: situations where you know, it's not that the client can
9:46
Speaker 4: no longer make decisions, it's just that you know, you
9:50
Speaker 4: can you can tell that maybe sometimes things are not
9:53
Speaker 4: quite as uh easy to grasp as as as they
9:58
Speaker 4: used to be. And and oftentimes they will involve their
10:02
Speaker 4: adult children too to help them with those decisions and
10:07
Speaker 4: make sure that they're you know, it almost it almost
10:11
Speaker 4: becomes like, you know, the client still knows exactly you
10:16
Speaker 4: know what's going on, but maybe feels a little more
10:18
Speaker 4: unsure than they used to feel. And so sometimes bringing
10:22
Speaker 4: that adult child in can can help that process out
10:26
Speaker 4: and help smooth it and also help educate the adult
10:31
Speaker 4: children on what the estate plan is going to look like,
10:34
Speaker 4: what to expect, you know, what those expectations are, what
10:38
Speaker 4: roles that your children may have. You know, somebody is
10:41
Speaker 4: probably gonna or it's going to have to be the
10:43
Speaker 4: executor of the of the estate. And and trying to
10:47
Speaker 4: be clear, I think is valuable so that there's unfortunately
10:54
Speaker 4: sometimes there's there's through miscommunication, maybe some animosity that can
10:59
Speaker 4: form between between children. You know, having those conversations early
11:03
Speaker 4: can help smooth those over and then and then the
11:08
Speaker 4: the parent can communicate to the children, these are my
11:12
Speaker 4: wishes right right, So these are how this is how
11:15
Speaker 4: I'm I'm thinking, and this is what I want to happen,
11:20
Speaker 4: and and communicate very clearly that you know, this is
11:23
Speaker 4: my decision because it's my money.
11:25
Speaker 3: Right and like you said earlier, well the notes that
11:29
Speaker 3: you sent me early, uh last night said open the
11:31
Speaker 3: door with a purpose. You can set exactly the scope
11:34
Speaker 3: that you want to deal with when you're talking with
11:36
Speaker 3: your adult children. You don't have there's not like a
11:39
Speaker 3: right or wrong way, and there's not like you have.
11:42
Speaker 3: Because I'm opening this door, you get all the information
11:44
Speaker 3: you can control exactly what somebody's want to control. You
11:46
Speaker 3: can control your own prophecy and your own agency and
11:49
Speaker 3: things along those lines. But bringing somebody in if you
11:51
Speaker 3: have adult children, to help make sure that your state
11:54
Speaker 3: has managed correctly or you know, it doesn't have to
11:56
Speaker 3: be deaf like I said, it could be incapacitation, could
11:58
Speaker 3: be long term care, you know where when you're getting
12:01
Speaker 3: into older years and might need some assisted living something.
12:04
Speaker 3: Having a plan in place and how to put these
12:06
Speaker 3: things together it could be a very important part. I've
12:08
Speaker 3: seen confusion just in the last you know, a few
12:11
Speaker 3: years of my older life, as I see family are
12:13
Speaker 3: that move separate from my immediate family, and I see
12:17
Speaker 3: things that move around where people get confused about different
12:20
Speaker 3: things with inheritances and where the money is coming from,
12:22
Speaker 3: Who's going to take care of to the elderly person
12:26
Speaker 3: when they get sick.
12:26
Speaker 5: There.
12:26
Speaker 3: I've seen this confusion happen a lot, even in well
12:29
Speaker 3: planned estates. So there it's not just planning the estate
12:31
Speaker 3: well you have to have some communication aspect in it too.
12:34
Speaker 4: Yes, and and also there's a lot of confusion on
12:41
Speaker 4: what the rules are if you inherit money, you know
12:45
Speaker 4: things have to be done and it's and it's much
12:47
Speaker 4: better to even if you don't go in detail, even
12:50
Speaker 4: if you don't want to disclose the details to your children,
12:54
Speaker 4: maybe it's still a good idea to educate them on. Okay,
12:59
Speaker 4: these are the choices you may have because you can
13:02
Speaker 4: you can make some pretty poor choices if you receive
13:06
Speaker 4: an inheritance, particularly if it's IRA tax deferred money, you
13:12
Speaker 4: know there are big tax implications potentially, and knowing some
13:17
Speaker 4: of those rules is it makes that whole process a
13:21
Speaker 4: whole lot easier. And if you bring your children into
13:23
Speaker 4: to some of those conversations, you know they will be
13:27
Speaker 4: educated on what they will be facing. Even if you
13:30
Speaker 4: don't share down to the down to the dollar, what
13:34
Speaker 4: what the estate looks like. Yeah, even if you want
13:37
Speaker 4: to be private about it, you can at least get it.
13:39
Speaker 3: And if you have a financial planner or somebody that
13:42
Speaker 3: you're working with, you can be helped through these these
13:44
Speaker 3: decisions in this information. But it's just important to have
13:47
Speaker 3: that those types of things put together, and and within
13:50
Speaker 3: those you can have your your power attorney, your medical
13:52
Speaker 3: power of attorney, all of your legal documents and things
13:54
Speaker 3: like that. Just simply telling somebody where the key to
13:56
Speaker 3: the lock box is or the safety deposit box or
13:59
Speaker 3: something like that. I mean, just something as simple as that.
14:00
Speaker 4: In a digital world, all the passwords I mean, you know,
14:04
Speaker 4: you see you see stories about uh, you know, the
14:07
Speaker 4: crypto billionaire that lost the you know, passed away and
14:10
Speaker 4: nobody has the code to get the get the bitcoin.
14:14
Speaker 4: Well those are extreme examples, but you don't think about
14:17
Speaker 4: all the passwords you have.
14:18
Speaker 3: Yeah, and in a real situation anymore, even with what
14:21
Speaker 3: we would consider relatively you know, like high place financial institutions.
14:24
Speaker 3: I've I've ran into this problem a lot, and it's
14:26
Speaker 3: gotten emergent just in the last year. And that is,
14:30
Speaker 3: there is no customer service anymore. So for example, if
14:32
Speaker 3: you go to a website and you try to log in,
14:35
Speaker 3: thinking you know your loved one's password, you fail enough
14:38
Speaker 3: times to trigger the account being locked where you have
14:40
Speaker 3: to pick up the phone and call someone to get
14:42
Speaker 3: it unlocked.
14:43
Speaker 4: Good luck, good luck. Yeah, I mean even though without
14:47
Speaker 4: not talking about money, I mean anything. Our pictures now
14:51
Speaker 4: are are espostally digital. You know, there's no shoe box
14:54
Speaker 4: full of pictures like there used to be. They're all
14:57
Speaker 4: locked up on a phone. Do you not You have
14:59
Speaker 4: a way to act, says that, right, you know all
15:01
Speaker 4: of those things, and we do. In my office, I
15:05
Speaker 4: have a notebook that outlines the the It's a place
15:11
Speaker 4: you can organize and outline some of those things and
15:14
Speaker 4: lead in a designated location so that so that that
15:18
Speaker 4: at least is available to your children or your beneficiaries,
15:24
Speaker 4: so that there is a roadmap to to decipher. You
15:29
Speaker 4: know where things are and and you know what the
15:32
Speaker 4: disposition is.
15:33
Speaker 3: And it could get very complicated very quickly these days
15:35
Speaker 3: because you have a little bit of digital footprints everywhere,
15:37
Speaker 3: and if you don't, if you don't keep those together
15:39
Speaker 3: and for ways to access different things. The picture thing
15:42
Speaker 3: is a great is a great example and unfortunately kind
15:45
Speaker 3: of reminds me of a of a haunting story that
15:47
Speaker 3: I read and it was probably the last year sometime,
15:49
Speaker 3: but it's stuck around in my head forever and thinking
15:50
Speaker 3: about and it was all of the abandoned cloud accounts
15:53
Speaker 3: from people that have passed away, and there was an
15:55
Speaker 3: article written about approximately how many a lot of the
15:59
Speaker 3: tech company have retention policies that they don't really adhere
16:03
Speaker 3: to all that well, so a lot of things get
16:04
Speaker 3: like archive because they're looking to do like machine learning
16:07
Speaker 3: on a lot of this stuff that you you know,
16:09
Speaker 3: give them permission for on the tos and you don't
16:11
Speaker 3: know about. They end up archive and it lives forever.
16:13
Speaker 3: So you're like your loved one's memory that where they
16:16
Speaker 3: passed away and they had hundreds of pictures in the cloud.
16:19
Speaker 3: Those things are being used for like machine learning, and
16:21
Speaker 3: they're product. I mean, it's they're just like ghost images
16:23
Speaker 3: of someone that's now one allowed that's being used to
16:26
Speaker 3: inform machine learning. It's just it's sort of a just
16:29
Speaker 3: it makes me uncomfortable. The story makes me a little
16:31
Speaker 3: bit uncomfortable, you know. So anyway, you want to make
16:34
Speaker 3: sure that you give access because in that situation, if
16:36
Speaker 3: someone had access to it and you pass, they could
16:38
Speaker 3: archive all this stuff in hard hard copy or get
16:40
Speaker 3: it on you know whatever, download the JPEGs, and they
16:43
Speaker 3: could delete the account. I mean, you could actually have
16:45
Speaker 3: some control over your over your your post life information
16:50
Speaker 3: in that case. If that's something you're concerned about on
16:52
Speaker 3: top of the financial and everything else interests, if you're
16:55
Speaker 3: worried about just your agency in the afterlife, If that
16:58
Speaker 3: makes any sense, I mean, some people could are concerned
17:00
Speaker 3: about that, and you don't want for those things to
17:02
Speaker 3: be used, and you have to you have to give
17:04
Speaker 3: the keys to the kingdom to someone. Even if you
17:05
Speaker 3: use one of those services. You hear about these services
17:07
Speaker 3: that that sounds kind of morbid, but they they kind
17:10
Speaker 3: of pull for your death. You know, if they get
17:12
Speaker 3: notification that you've died, then they release certain information. So
17:15
Speaker 3: I mean, even if it's something like that, anything that
17:16
Speaker 3: that can can make things easier for your loved ones
17:19
Speaker 3: is going to help in those cases.
17:20
Speaker 4: Yeah, no doubt about it. And in having those conversations,
17:24
Speaker 4: while they may be uncomfortable, really are a tremendous gift
17:29
Speaker 4: to your children. The more the more of that work
17:33
Speaker 4: that you do up front, it's it's a It truly
17:35
Speaker 4: is a is a is a gift.
17:38
Speaker 3: Something an arc that I saw happened in my life
17:40
Speaker 3: in real time was a family that had set through
17:44
Speaker 3: a a trust meeting from an inheritance. They set through
17:49
Speaker 3: me and it was it was like a conference call
17:50
Speaker 3: and it was considerably in depth and along and things
17:53
Speaker 3: like that. The problem was, at least what I can
17:57
Speaker 3: tell from the outside looking in, is that nobody they
18:00
Speaker 3: took copious notes and they didn't ask for anything in writing.
18:03
Speaker 3: And so eventually days and then weeks or whatever passed
18:07
Speaker 3: the initial discussion point. People were still trying to talk
18:10
Speaker 3: about this meeting that they had off of like memory
18:13
Speaker 3: and impressions and like. And then it ends up that
18:15
Speaker 3: one person thought they heard something else than what the
18:17
Speaker 3: other person did. And months later, when the things starting
18:20
Speaker 3: to get resolved, everybody's just as confused as if they
18:22
Speaker 3: never even had a meeting to start with. So not
18:25
Speaker 3: only make the meeting, but also make sure you have
18:27
Speaker 3: the information to reference and you take notes if you
18:29
Speaker 3: have to or whatever it might be.
18:30
Speaker 4: Yeah, no doubt, no doubt. And also, you know, if
18:34
Speaker 4: you as a client, you may have things structured in
18:40
Speaker 4: your financial life for you and your purposes. Sometimes when
18:45
Speaker 4: when you pass and your your children inherit, they look
18:50
Speaker 4: at this and it's like, wonder, why why on earth
18:54
Speaker 4: did did dad or mom do this? You know, these
18:57
Speaker 4: are terrible investments. Well maybe they were not for them, right,
19:01
Speaker 4: maybe they are now for you. Now that you've been
19:06
Speaker 4: fun So sometimes there can be confusion about you know,
19:11
Speaker 4: where they were, they taken advantage of where they and
19:14
Speaker 4: you know, having an understanding of the why behind what
19:18
Speaker 4: mom and dad did can can help as well.
19:20
Speaker 3: Yeah, I think that there's any number of things that
19:22
Speaker 3: I might do in my life that's left like I'm
19:24
Speaker 3: waiting for the the the the payoff, you know, and
19:27
Speaker 3: if I were to not be around, you know, and
19:30
Speaker 3: then nobody knew to look for the payoff, they might
19:32
Speaker 3: be like, what the heck was this all about?
19:33
Speaker 5: You?
19:33
Speaker 3: I mean, you don't really know, you know, if you
19:35
Speaker 3: don't know, if somebody you do, if you don't ask,
19:37
Speaker 3: and if they don't tell you, things might look a
19:38
Speaker 3: little strange like that.
19:39
Speaker 4: Yeah, And then and then of course the decision making
19:42
Speaker 4: that the beneficiary of your children have on how to
19:46
Speaker 4: handle the money themselves. That can be a huge benefit
19:50
Speaker 4: to your children if they have a little education on
19:54
Speaker 4: the tax cerramifications. For instance, of an IRA inheritance. A
19:59
Speaker 4: lot of folks have their money now tied up in
20:01
Speaker 4: iras or or furrow and k's and and that sort
20:05
Speaker 4: of thing. You know, what are the rules to handle
20:08
Speaker 4: that money?
20:09
Speaker 5: You know?
20:09
Speaker 4: A lot of folks think that, well, I inherited the money,
20:12
Speaker 4: I'm going to just stick it in my bank account
20:14
Speaker 4: and be done with it. Well, there can be huge
20:17
Speaker 4: tax implications with that that you could manage that better
20:22
Speaker 4: and and get much more out of the inheritance if
20:26
Speaker 4: you know how to handle it, and and if you
20:29
Speaker 4: know who to talk to. You know, a lot of times,
20:34
Speaker 4: you know, the children, they have no idea who the
20:36
Speaker 4: advisor is, that the that the that their parents are using.
20:42
Speaker 4: You know, part of our job, I mean, we really
20:45
Speaker 4: prod ourselves into that. Hey, you know, we're going to
20:48
Speaker 4: sit down with you and work through this very difficult
20:51
Speaker 4: period of time and sort out everything that we can
20:55
Speaker 4: uh to make that easy and make sure you're educated
20:58
Speaker 4: on the process and the implications of the decisions that
21:02
Speaker 4: you now have to make, because you know, I'm sure
21:06
Speaker 4: the parents that that was the goal. How do we
21:09
Speaker 4: get the most out of those for our children? Well,
21:12
Speaker 4: you have to have a little information to make that happen.
21:15
Speaker 3: It's a great information. With John Bredet from Fourth Avenue Financial,
21:18
Speaker 3: we need to take a break here and wrap up
21:20
Speaker 3: our conversation. On the other side of that, you're welcome
21:22
Speaker 3: to steer the conversation and direction that you wonder if
21:24
Speaker 3: something that John and I are talking about has a
21:26
Speaker 3: rattled around in your braining, you have a question, you
21:28
Speaker 3: give us a call this morning three zero four three
21:29
Speaker 3: four five fifty eight fifty eight. Three zero four three
21:31
Speaker 3: four five fifty eight fifty eight. You can also text
21:33
Speaker 3: us any questions that you have to three zero four
21:35
Speaker 3: nine three five five zero zero eight. I'm going to
21:37
Speaker 3: talk a little bit more about long term care when
21:39
Speaker 3: we come back and clarify climb, clarifying inheritance, and then
21:44
Speaker 3: and just what kind of questions you might want to
21:46
Speaker 3: ask to clarify things and things along those lines. So
21:48
Speaker 3: you're welcome to steer the conversation as well. Three zero
21:50
Speaker 3: four three four five fifty eight fifty eight three four
21:53
Speaker 3: five fifty eight fifty eight. You're listening to retire Right Radio.
21:55
Speaker 3: I'm Del Cooper. John Burdett from Fourth Avenue Financial is
21:58
Speaker 3: the host this morning, and give us a call three
21:59
Speaker 3: zero fourth three four five fifty eight fifty will be
22:01
Speaker 3: back right after this. You're listening to retire Right Radio
22:03
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22:06
Speaker 3: is sponsored by Fourth Avenue Financial, which is solely responsible
22:09
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22:15
Speaker 3: Avenue Financial. JW Call Financial and JW CO Advisors are
22:18
Speaker 3: unaffiliated entities. The opinions expressed by John Bredett should not
22:22
Speaker 3: be construed as specific, investment, legal, or tax advice. All
22:25
Speaker 3: economic and performance information is historical and not indicative of
22:28
Speaker 3: future results. Investing may involve risk of loss of principle.
22:32
Speaker 3: Any tax advice on this show is not intended to
22:34
Speaker 3: be used by any person for the purpose of avoiding
22:36
Speaker 3: US federal or state tax penalties that may be imposed
22:39
Speaker 3: on such a person, and each listener should seek advice
22:41
Speaker 3: from their tax advisor or legal console on topics that
22:44
Speaker 3: arise from the show. John Bredett is not providing legal
22:47
Speaker 3: or tax advice. Nothing should be construed as solicitation of
22:50
Speaker 3: an offer to by securities. This program is sponsored by
22:53
Speaker 3: Fourth Avenue Financial, which is solely responsible for its content.
22:56
Speaker 6: Retirement is more than a dream, It's a destination. Yet
22:59
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23:27
Speaker 7: Why do I go to the doctor? My heart would
23:29
Speaker 7: race just taking my son to practice. It didn't feel right,
23:34
Speaker 7: so I got checked out. Turns out I have atrial fibrillation,
23:38
Speaker 7: which increases the risk of stroke about five times.
23:41
Speaker 8: Symptoms like your regular heartbeat, heart racing, chest pain, shortness
23:44
Speaker 8: of breath, fatigue, or lightheadedness can come and go, but
23:47
Speaker 8: if it's a fit, the risk of stroke remains. If
23:49
Speaker 8: you have symptoms, contact a doctor.
23:51
Speaker 5: I'm so glad I did.
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Speaker 8: Is it No Time to wait? Dot com? Sponsored by Bristol, Meyers,
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Speaker 5: This is retire Rife Radio with John Burdett from Fourth
24:01
Speaker 5: Avenue Financial, taking your calls at three oh four, three
24:05
Speaker 5: four five fifty eight fifty eight or texts on three
24:08
Speaker 5: oh four nine, three five.
24:10
Speaker 2: Fifty eight.
24:27
Speaker 3: Fourteen minutes until the top of the are. One of
24:28
Speaker 3: the nice things about the new studio set up, of course,
24:30
Speaker 3: is we have real time monitors now, so we can
24:33
Speaker 3: actually hear the music and stuff was recovered back in
24:35
Speaker 3: We always had to go kind of blindly off of
24:37
Speaker 3: it before off of tom Cus, but we can actually hear
24:39
Speaker 3: it now.
24:39
Speaker 4: I'm not sure that that song, while it's a wonderful song,
24:42
Speaker 4: that it goes with what we're talking about. We don't
24:44
Speaker 4: need no education. Yeah right, I think that's that's exactly
24:47
Speaker 4: opposite of what we're talking about.
24:49
Speaker 3: Maybe maybe we meant it ironically, that's true when we
24:52
Speaker 3: first put it together. John Burdett form Fourth Avenue Financial
24:55
Speaker 3: is steering the way this morning on retire Right Radio
24:57
Speaker 3: and welcome to give us a call. We still have
24:58
Speaker 3: about ten minutes light a little bit over ten minutes
25:00
Speaker 3: in the program. You can call us at three zero
25:01
Speaker 3: four three four five fifty eight fifty eight three four
25:03
Speaker 3: five fifty eight fifty eight. You can also text over
25:05
Speaker 3: any questions you have the three zero four non three
25:06
Speaker 3: five five zero zero eight three zero four non three
25:09
Speaker 3: five five zero zero eight to talk to a Jomberdabt
25:11
Speaker 3: for Fourth Avenue Financial about how you can learn to retire.
25:15
Speaker 3: Right before we went to the break, I did mention
25:16
Speaker 3: a couple things I wanted to talk about a little
25:18
Speaker 3: bit from information that John sent me last night, and
25:23
Speaker 3: I wanted to just touch on the long term care thing.
25:24
Speaker 3: I talked about it once a moment ago. But this
25:26
Speaker 3: is something that if your parents or if loved ones
25:30
Speaker 3: are discussing this, they've probably done the due diligence and
25:33
Speaker 3: they know what's going on. And basically if you don't
25:36
Speaker 3: know this as somebody that's not looked into it, there
25:40
Speaker 3: is no magic bullet when it comes to long term care.
25:42
Speaker 3: If it's something that you need help. In fact, if
25:44
Speaker 3: you're planning on government help, well it's there, but you
25:47
Speaker 3: have to be destitute to get government help. You basically
25:50
Speaker 3: have to either there's ways that you can put things
25:54
Speaker 3: in a trust or whatever where you don't have Basically
25:56
Speaker 3: you can't own anything. You can't have any money at
25:58
Speaker 3: all for the government to help out in long term care.
26:01
Speaker 4: And your your money down first.
26:03
Speaker 3: And people don't want to do that, you know, so
26:05
Speaker 3: you have to come up with an alternate plan.
26:07
Speaker 4: Right, and it can be very difficult. And you know,
26:09
Speaker 4: you have a there's a look back period of five years,
26:15
Speaker 4: so if you try to do things last minute, that's
26:18
Speaker 4: not going to work out. And do it, it's not
26:20
Speaker 4: going to work out. And and and like most things
26:23
Speaker 4: within the financial plating world, there's a trade off. I mean,
26:26
Speaker 4: you can do things, but then you're giving up certain
26:29
Speaker 4: rights and access to your funds, you know early, and
26:36
Speaker 4: so you have to have to decide if that's the
26:38
Speaker 4: right thing for you. But certainly, you know, long term care,
26:42
Speaker 4: I mean, you can spend ten fifteen thousand dollars a
26:45
Speaker 4: month on a full facility care that that chews up
26:49
Speaker 4: a lot of the states really really quick. And that's
26:53
Speaker 4: an issue that it certainly warrants a discussion with your
26:57
Speaker 4: family well before before an event like that takes place,
27:02
Speaker 4: if you're going to do anything about it as far
27:04
Speaker 4: as mitigating the potential impact.
27:07
Speaker 3: And it could be it could be really catastrophic. I again,
27:10
Speaker 3: this again, this is completely unodotally, but of the situations
27:13
Speaker 3: of long term care that I've seen in my life,
27:16
Speaker 3: and I've seen it, I don't know, maybe of people
27:18
Speaker 3: that I'm intimate enough with, maybe half a dozen times
27:21
Speaker 3: or something like that. I've only seen it done correctly once.
27:23
Speaker 3: Almost every other time, it's a it's a huge burden
27:27
Speaker 3: and a mental issue with the family that's trying to
27:29
Speaker 3: take care of their their aging parents. You know, it's
27:33
Speaker 3: it's extraordinarily difficult. I mean, if you don't have anything planned,
27:36
Speaker 3: you basically have to tell your parents that you need
27:37
Speaker 3: to go broke. They need to find a way to
27:39
Speaker 3: you know, give their money away, spend their money, not
27:41
Speaker 3: I mean everything that they've worked for just to get
27:44
Speaker 3: six years, seven years, eight years of minimum care for
27:49
Speaker 3: the remainder of their life. I mean, it's it's not
27:50
Speaker 3: a great situation if you don't have it planned for.
27:52
Speaker 3: And that's one thing that bring your bring your adult
27:55
Speaker 3: kids into it. Bring your kids into it, planned for
27:57
Speaker 3: it correctly, because i mean, you've worked your whole life
28:00
Speaker 3: life to retire, Okay, you don't want to be in
28:02
Speaker 3: that situation.
28:03
Speaker 4: Right And it's also important for the children to understand
28:06
Speaker 4: what the rules are and and also the possibility. You know,
28:11
Speaker 4: sometimes sometimes people don't do the things that they need
28:15
Speaker 4: to be doing to protect themselves because like, oh, mom
28:18
Speaker 4: and dad, I'll probably inherit a half a million or
28:21
Speaker 4: a million dad, you know, you start banking on that,
28:25
Speaker 4: and then if something like a long term care situation
28:27
Speaker 4: comes up, like you say it can, it can chew
28:30
Speaker 4: that up in our in our heartbeat. And so you know,
28:33
Speaker 4: you have to be aware that that, you know, an inheritance,
28:38
Speaker 4: it's not your money, you know it, even if your
28:42
Speaker 4: parents intended to be your money, life happens, you have
28:45
Speaker 4: to take care of yourself as well. And that should
28:47
Speaker 4: be part of the conversation that that has had. You know,
28:51
Speaker 4: this is mom and dad's money, and it's got to
28:53
Speaker 4: be used to care for mom and dad and uh
28:58
Speaker 4: and if there's anything left, great, but that can't be
29:01
Speaker 4: your financial plan.
29:02
Speaker 3: And there's things that happened my base on my second mom.
29:05
Speaker 3: My mom's sister passed away Christmas twenty three and she
29:09
Speaker 3: had a relatively expansive estate and things like that. And
29:12
Speaker 3: one of the things that she had was just a
29:13
Speaker 3: regular bank account with a few tens of thousands of
29:16
Speaker 3: dollars in it. You know, I mean, somebody older that's
29:18
Speaker 3: properly managed their finance, it's not an unusual thing to have.
29:21
Speaker 3: If you didn't know anybody, it'd be like, oh, hey,
29:23
Speaker 3: there's whatever, the thousands of dollars they could split among
29:25
Speaker 3: the inherents. My mom had to use all of that money,
29:28
Speaker 3: and in fact you use she's the executor of the estate,
29:30
Speaker 3: and in fact you some of her own just for
29:31
Speaker 3: legal fees because there was some property out of country,
29:34
Speaker 3: different things like that that they have to chase down.
29:35
Speaker 3: But here's this money that was, you know, tens of
29:37
Speaker 3: thousands of dollars that was sitting there, forty fifty thousand
29:39
Speaker 3: dollars something like that was sitting there. It's all gone,
29:41
Speaker 3: not from anything else except for just paying for legal fees,
29:45
Speaker 3: doc fees. I mean, just all this stuff that was
29:47
Speaker 3: incidental costs attached to it. A relatively robust estate. You
29:51
Speaker 3: can't plan. I mean, you can't just assume those things that, oh,
29:55
Speaker 3: we have an inheritance coming for you don't know, you
29:57
Speaker 3: really don't know what I was going to be tied
29:58
Speaker 3: up there.
29:59
Speaker 4: In hell at the disposition, how long it will take
30:03
Speaker 4: before you even receive an inheritance. So it's just all
30:07
Speaker 4: of these things. It's it's there's so many unknowns when
30:11
Speaker 4: people face this event. The more you can talk about
30:15
Speaker 4: it beforehand, the whole process is so much easier, so
30:18
Speaker 4: much more efficient, and you're more likely to get the
30:23
Speaker 4: result that you want.
30:25
Speaker 3: That's great advice from John Burdett for Fourth Avenue Financial Union.
30:27
Speaker 3: Gives the call this morning three zero four three four
30:29
Speaker 3: two eight one three one or three zero four, three
30:31
Speaker 3: four five fifty eight fifty eight. Three zero four, three
30:33
Speaker 3: four five fifty fifty eight were background studios now and
30:36
Speaker 3: you're more than welcome to gives a call this morning
30:38
Speaker 3: if you want to hear the conversation for the last
30:40
Speaker 3: couple of minutes that we have left in the program,
30:42
Speaker 3: wrapping up a little bit of the discussion that you
30:44
Speaker 3: should be having with adult children in your financial planning
30:47
Speaker 3: when it comes to the end of life and things
30:50
Speaker 3: as well. We talked about the long term care. You
30:55
Speaker 3: discuss inheritance expectations, which is sort of rolled into all
30:57
Speaker 3: of that, and if there's any form of gift or
31:01
Speaker 3: anything along those lines that the person planning for the
31:05
Speaker 3: estate is doing as well. You may not even necessarily
31:08
Speaker 3: have to put a number to it, but it's not
31:09
Speaker 3: bad to let people know that they could have some
31:12
Speaker 3: expectation or at least give people an idea of what
31:14
Speaker 3: the game plan is going to be.
31:16
Speaker 4: Yeah, yeah, no doubt about it. And there are decisions
31:19
Speaker 4: that people make as well to Hey, I don't want
31:22
Speaker 4: to wait until I have more than I need to
31:25
Speaker 4: take care of myself. I'd like to benefit my children
31:29
Speaker 4: while I'm alive, right, grandchildren while I'm alive. And in
31:33
Speaker 4: those type of plans and the expectations of what that
31:37
Speaker 4: money is for, you know, is it for most likely
31:41
Speaker 4: the intent is not to go blow that money, but
31:45
Speaker 4: it actually benefit their children and grandchildren in a maximum way.
31:50
Speaker 4: And so those things take thought and education. And there again,
31:58
Speaker 4: bringing your children, grandchildren into meetings with your advisor can
32:05
Speaker 4: can make that process better. I mean, that's that's something
32:08
Speaker 4: that I would do for my clients. You know, if
32:11
Speaker 4: you if you want to bring your your loved ones
32:16
Speaker 4: in on the conversation, I'd be happy to have that conversation.
32:19
Speaker 4: I'd be happy to help educate on the prop the
32:23
Speaker 4: process and in how to maximize the blessings that that
32:29
Speaker 4: you're you're going to be receiving.
32:32
Speaker 3: And there's ways to do it right, and you you
32:35
Speaker 3: just have to be curious, you have to be aware
32:37
Speaker 3: and understand that these things are complicated. You can't chat
32:41
Speaker 3: GPT your way through it. You know, you have to
32:43
Speaker 3: really get somebody involved and knows what they're doing to
32:45
Speaker 3: walk you through it.
32:45
Speaker 4: And I've had cases over the years where I've seen, wow,
32:48
Speaker 4: that was really done correctly. And early on in my career,
32:52
Speaker 4: I had a case with a fellow that, you know,
32:57
Speaker 4: he's just a average guy, and he had invested and saved,
33:03
Speaker 4: lived very frugally and you know, seven figure estate, and
33:08
Speaker 4: he had one daughter that he wanted to leave the
33:11
Speaker 4: money to, and he never spent any money at all.
33:14
Speaker 4: He just lived like a like a miser reeling. And
33:18
Speaker 4: he came to me one time and said, you know,
33:20
Speaker 4: I haven't been on a vacation in years, asked me,
33:24
Speaker 4: would it be okay if I took fifteen hundred dollars
33:27
Speaker 4: out of my investments and went fishing. I was like, well,
33:31
Speaker 4: of course, you know that you could do that. And
33:35
Speaker 4: so he went fishing, and when he came back, he
33:38
Speaker 4: was talking about how great the trip was. He was
33:40
Speaker 4: glad that he did it. And then unfortunately, about a
33:44
Speaker 4: month later, he comes in the office and he has
33:48
Speaker 4: finds out he has terminal cancer and he passes away
33:52
Speaker 4: shortly thereafter and leaves this money to his daughter who
33:57
Speaker 4: had I had never met and never talked talk to,
34:01
Speaker 4: and within a year, all of that sacrifice he made
34:06
Speaker 4: to save that that money was gone. And and you know,
34:10
Speaker 4: would that have been different if if she would have
34:13
Speaker 4: been brought in? And I always think of that that when, uh,
34:16
Speaker 4: when I see, you know, situations where you know, the
34:20
Speaker 4: children are uninformed, because that's a that's a you know,
34:24
Speaker 4: a prime example of you know, would that have changed
34:27
Speaker 4: the situation? You know, it's hard to say, but but
34:29
Speaker 4: it certainly would have.
34:30
Speaker 3: Uh might at least have more respect for the sacrifice
34:33
Speaker 3: and the work and exactly what's going on and have
34:35
Speaker 3: some some sober consideration into what you're going and not
34:38
Speaker 3: just treat it like you won the lottery or something right.
34:41
Speaker 4: Right, because that lottery mentality that's never well, look at
34:44
Speaker 4: the people that win the lottery have almost never does hapen.
34:47
Speaker 3: I know, we beat that horse, But that's one thing
34:49
Speaker 3: I have seen, maybe not lottery so much as just
34:51
Speaker 3: people getting getting sums of money for one thing or another. Man,
34:55
Speaker 3: I have not met one person that handled it well.
34:57
Speaker 3: I mean I really have not. Like it's it's it's
34:59
Speaker 3: pretty dark, honestly.
35:00
Speaker 4: Well, athlete, it's all these people that that get money
35:04
Speaker 4: quickly that way, you know, they never built the habits
35:07
Speaker 4: that are required to handle that money. You know, if
35:11
Speaker 4: you didn't have the habits to build it, you know,
35:13
Speaker 4: how are you going to have the habits to keep
35:15
Speaker 4: it right?
35:16
Speaker 5: Right?
35:16
Speaker 4: Money, money goes to live where it's treated the best,
35:19
Speaker 4: and you have to know how to you know, turn
35:23
Speaker 4: the light on for it.
35:24
Speaker 3: It's always it's like water or or anything. It's when
35:26
Speaker 3: I always escape to to to the place that it
35:28
Speaker 3: can settle. And you have to know, you have to
35:29
Speaker 3: make sure that you know what you're doing with that.
35:31
Speaker 3: And and it's been amazing to me that, I mean,
35:35
Speaker 3: I get it when you get money that that and
35:37
Speaker 3: if you've not had a lot in a while that
35:39
Speaker 3: you really want to you might feel like you want
35:41
Speaker 3: to treat yourself or whatever might be. But man, you
35:43
Speaker 3: got to put some guardrails on it, you know, I mean,
35:45
Speaker 3: treat yourself for the rest of your life and not
35:46
Speaker 3: for the rest of the year, you know. And there's
35:48
Speaker 3: some things that you can do to make sure that
35:50
Speaker 3: you can do that. Getting back just finally to the
35:52
Speaker 3: discussion about with planning for finances and long term care,
35:57
Speaker 3: different thing along those lines and this is sort of
35:59
Speaker 3: what we've been nipping, right. If you're the kids in
36:01
Speaker 3: this situation, like we talked about with the daughter of
36:03
Speaker 3: your client that you just talked about, If you're the
36:05
Speaker 3: kid in this situation and you are being brought in,
36:09
Speaker 3: ask copious questions, Sure find if you if you don't know,
36:13
Speaker 3: ask take notes, make sure record the conversation, get permission
36:16
Speaker 3: and record the conversation. If you can do whatever it
36:18
Speaker 3: is that you that you need to do to make
36:20
Speaker 3: sure that you have it because a lot of people
36:22
Speaker 3: it's a lot of jargon. You may not understand. There's
36:25
Speaker 3: a lot of if then that this types of things
36:27
Speaker 3: that you may not be able to retain in your memory.
36:29
Speaker 3: If you're just trying to go off of that, get notes,
36:31
Speaker 3: get a copy whatever it is that you're responsible for,
36:34
Speaker 3: and educate yourself on it, because you don't want to
36:36
Speaker 3: go into it ignorant when when it comes to head.
36:39
Speaker 4: No, yeah, going into anything blindly, you're not going to
36:42
Speaker 4: get the best result. And you know, working with your advisor,
36:46
Speaker 4: working with mom and dad, even if mom and dad
36:50
Speaker 4: ever brought it up, you know, if they're at a
36:51
Speaker 4: certain age, it certainly can be a sometimes tricky but
36:56
Speaker 4: certainly something maybe you bring up with them.
36:58
Speaker 3: That's great information. It's always job ber dead at Fourth
37:00
Speaker 3: Avenue Financial. Let me get the contact information out to
37:03
Speaker 3: you one more time. Fourth Avenue Financial. Their phone numbers
37:05
Speaker 3: three zer A four seven, four six seven none seven
37:07
Speaker 3: seven threes aer A four seven, four six seven non
37:09
Speaker 3: seven to seven here in Charleston, located at the street
37:11
Speaker 3: downtown Charleston. Online it's Fourth Avenue Financial dot com. You
37:14
Speaker 3: spell out the whole thing Fourth Avenue Financial dot com.
37:17
Speaker 3: Or on Facebook you spell out fourth Avenue Financial. You
37:19
Speaker 3: can like the page over there. John thinks a bunch
37:21
Speaker 3: of your tomic in this week. Appreciate it all right,
37:22
Speaker 3: take here. We'll see you back here next Monday for
37:24
Speaker 3: a retire Right Radio at eight twenty. Have a great
37:26
Speaker 3: day everyone. Dave Allan's up next for five eighty Live.
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37:47
Speaker 3: Page over there, John thinks a bunch of your tomic
37:49
Speaker 3: in this week. Appreciate it all right, take here. We'll
37:51
Speaker 3: see you back here next Monday for a retire Right
37:53
Speaker 3: Radio at eight twenty. Have a great day everyone. Dave
37:55
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37:57
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