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It's Never Too Early For Taxes · 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. Full
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lines are open for you right now six O eight three two one thirteen ten.
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That's six O eight three two one thirteen ten. Love to have you
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joined us this morning with our retirement planning professionals from Class Financial join this week
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by c J Class Emilia Quavis and they are here to answer your questions again.
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Telphone number here at station six O eight three two one thirteen ten.
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That's three two one thirteen ten. You learn more about Class Financial on the
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website class financial dot com. That's klaas Financial dot com. Great resource to
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learn more about Class they're separate divisions. Also, if you miss part of
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today's podcast or today's show, or I want to listen back to previous show's
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podcast, they're all available to you up at class financial dot com. Also,
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if you scroll down towards the bottom, you will see a little envelope
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says state current. There you can subscribe to the weekly Market Pulse newsletter.
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It's a fantastic newsletter. I subscribed many many years ago. Now it's a
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great little weekly snapshot what's been going on in the markets? Also linked the
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most recent podcast again that available to you at Klass Financial dot com. That's
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klaas Financial dot com. Speak of things available to you at Klass Financial.
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Their telephone number six O eight four four two five six three seven. Don't
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forget no charge that initially gets to know your appointment at Class Financially. It
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will be complimentary to you. Again the telephone number six O eight four four
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two five six three seven for Class Financial office here in Madison. And to
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get on the air this morning six eight three two one thirteen ten. That's
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three two one thirteen ten as mentioned. Joined this week by c J Class
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and Malia Quavis. CJ. How are you doing this morning? I'm doing
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great. Good morning, Seawan, great to talk with you and Malia.
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Are you enjoying this lovely, lovely day and these great it's great weather we've
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had. I know it's too much. That's why we live for these days
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in the Midwest. We love it, we sure do. And it's also
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why it's so important to talk about retirement planning because you can make every day
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like today, and it just requires a little bit of diligence on your part
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through your career, and we've got a great conversation aheads of being prepared.
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Tax season it's coming up. It always seems to get closer and closer,
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or we always seem to think like, oh, it's far far off,
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and oh we've still got a couple of months. It'll be here sooner than
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you think. We're gonna be talking about next tax season and what you need
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to know some really really good things about getting organized. Now is the time
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to do that. As mentioned, the phone lines are open three two one
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thirteen ten. That's three two one thirteen ten. We'd love to hear from
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you this morning. Another really great thing we do on the program each and
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every week is the Class Quiz Question the Week and our friends from Class Financial,
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I've a chance for you to win a fantastic prize again this week.
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This week we'll have a twenty five dollars gift card to Amazon. Little tip
2:38
to the Class Quiz Question week. Oftentimes it's just about every time the question
2:40
and answer come up during the program, so it's very beneficial to pay close
2:45
attention to the show. Tell you a bit a little bit later on on
2:47
the show how you can win that twenty five dollars gift card to Amazon.
2:51
And before we start talking about getting prepared for tax season, let's actually take
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a look back at last week's show and look at the question and answer to
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the class quiz question the week as well. Yeah, so we like to
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over prepare people, so hence we're going to talk about tax planning today just
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to be ahead of the game. And the same goes with our question last
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week. And most people their ears perk up when they know they might be
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receiving a benefit in the future. And so the question was what is the
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earliest age you can pull your Social Security benefit under normal circumstances. So Rob
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of Madison, congratulations to him. He correctly answered age sixty two. And
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I would say most people know this because they're waiting for that day where they
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can actually start pulling. But good information when we spoke of last week,
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So listen carefully to this week's information and you might win our price. Some
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people might know just off top of their head that they turned sixty two and
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twenty forty four. I mean that's like, how would be old well for
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you, it won't be killed you're ninety or something. So come on,
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very true, as we talked to last week about social Security. I know
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it's a very popular topic of very popular conversation. I mentioned the website class
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financial dot com. You definitely want to listen and back to that show if
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you ever have questions. Again, great opportunity to get you down the air
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six away three two one thirteen ten. That's three two one thirteen ten.
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Of course, it is a few months out till next tax season gets to
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us, but I'm guessing it's probably best with this stuff to get organized sooner
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than later. Is that the case, CJ. I'm still just reeling from
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the fact that you just gave up your age on the air. Whatever.
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Sorry, he's counting the days, he is, exactly. So we are
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going to be talking about kind of a mid year tax check up here today,
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and I would really encourage you pay attention to some of this because this
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is not so much about decisions you have to make right now, but it's
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more about just planning for the future so that when you come to this next
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tax filing season, which remember the tax filing season is always typically happening between
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January and April of the year following when you need to file those taxes,
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so you know, for twenty twenty threes taxes. You won't have to file
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them until twenty twenty four, but this is going to give you some tips,
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some tricks, some things to think about to be as prepared as possible
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for when you do need to go to file those those income taxes. Now,
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with all this being said, we just quick disclaimer. We do not
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file tax returns for our clients. We've considered it. We do have experts
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on staff who are very well trained and thoroughly trained in tax but we do
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not have an enrolled agent or a CPA on staff who could actually file them
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for you. So because of that, we work very closely with our clients
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accountants to make sure that everything they have, everything they need, and that
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those tax returns get filed correctly. We also work with a lot of clients
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who choose to file their returns on their own, which we'll be talking about
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that today, the pros and cons of doing it on your own or hiring
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somebody to do it for you. But before we get too deep into this
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topic, let's just talk about a couple kind of high level statistics or things
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you should know. First things first. April fifteenth of twenty twenty four is
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the due date set by the IRS for completing your twenty twenty three taxes.
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This is your personal income taxes now the accounts out there going. Yeah,
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but what about extensions and other things. That's true, there are other dates
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and deadlines you should be aware of. But again, April fifteenth of twenty
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twenty four is the general due date set by the IRS to complete filing your
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twenty twenty three personal income taxes. Also, keep in mind that in twenty
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twenty one tax filing season. In that season, more than two hundred and
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sixty one million tax returns and supplemental documents were filed, and of those,
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two hundred and three million were filed electronically. Of the E file tax returns,
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tax professionals prepared about fifty three percent of those, and the other forty
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seven percent were self prepared. So it's kind of interesting. Million. I
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will often hear from people, Oh, the IRS, they're so inefficient and
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that. By the way, I'm not agreeing or disagreeing. What I would
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say is, that's two hundred and sixty one million tax returns and supplements.
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I would like to see you or anybody be super efficient with that. It's
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very challenging. That's a lot of documents coming through, and it's part of
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the reason why it takes so long to hear back from from the I R
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S. Talking this morning with CJ. Class Emilia quaevis our retirement planning professionals
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from Class Financial Prime Opportunity. If you've got a question or a comment left
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to hear from this morning, six O three two one thirteen ten. That's
7:30
six O eight three two one thirteen ten. The website class financial dot com.
7:33
That's class klaas financial dot com and they're telephone number six O eight four
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four two five six three seven. No charge for the initial get to know
7:42
you employment at Class Financial. It will be complimentary to you. And so
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Tray Casey can why am I calling you KCYCJ? It's cling is your first
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name? Even I CJ, so CJ. As we look through this stuff
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this morning, UM, people often wonder should I use that tax CPA or
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not? Well, James, that's a really good question. So yes,
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that's that is a great question. So many people say that they don't want
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to spend the money, of course on hiring a CP or accountant, and
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certainly it varies greatly by who you talk to I. We work with a
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lot of accountants and CPAs, and some of them will say, if we're
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going to do a personal return or a trust return, we're going to charge
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a minimum of a thousand dollars, and you know, God bless them,
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that's that's their choice. And then others will say, yeah, we're willing
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to do it for you know, as low as two hundred and fifty dollars,
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And I say, awesome, that's spectacular. But I don't know how
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you keep your doors open, to be quite frank, because filing tax you
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got to take all that in, prepare the return, file the return.
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Maybe talk to the person. I don't know how you do that for two
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hundred fifty dollars. So, long story short, it can vary greatly by
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who it is that you speak to. And we know a whole host of
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firms that refuse to do personal returns unless it's a byproduct of a business right.
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So like class financial, we have a corporate accountant, the corporate accounting
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firm also files my personal income taxes. Well, firms may say that's the
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only way they will do those personal returns. So it varies greatly. But
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here's what we would say, here are some reasons you may wish to use
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a tax professional. For anybody who's listened to our show long enough, you
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know, we are fine with our clients making their independent decisions to maybe try
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to do an estate plan through legal Zoom or to do their taxes on their
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own. We're fine with all of that. But if you've listened long enough,
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we don't prefer it. We prefer when you hire the professionals and pay
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reasonable fee to get that done. Because there's a whole host of reasons that
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we're going to go through as to why we feel that way. So here's
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a few reasons. Number One, professional tax preparers are paid to keep up
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with the complicated tax code changes each year so that you don't have to.
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Yes, it is wildly complex, and there can just be things that you're
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not aware of that you should be trying to take advantage of. Number Two,
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it can save you money. Now, some people go, what are
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you talking about, Well, if you're missing deductions or not accessing credits because
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you're filing your return wrong, you can be missing out on money savings that
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even net of the fee that the account and charges, you could be saving
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you money. It definitely saves you time and headache, no doubt about it.
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According to the Interternal Revenue Service, it takes nearly seven hours to complete
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the average tax returned with deductions, and if you're a business owner, plan
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on at least twenty hours. So again, it depends what you want to
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do with your time and what your expertise is, but that could be a
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benefit. Another benefit of hiring an accountant or CPA could be that they can
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answer your questions and resolve issues more quickly. They might even call the IRS
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on your behalf to make sure they get a clear answer to a question.
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You gain the peace of mind knowing that if something goes wrong and you get
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audited that ultimately they're going to be there to help you kind of defend you
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through that audit. The mistakes that they can help you avoid can be both
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costly and time consuming, so making sure that they do it for you reduces
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the amount of errors. You benefit from the money savings tax planning. So
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every once in a while an account and will say, oh, it looks
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like you could do this in the future if you do this now, and
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you go, oh, I had never thought of that. Your previous returns
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can also be reviewed by the account to make sure there were no errors and
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to revise those errors rapidly if there were any, and then of course it
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takes the hassle out of doing it on your own. So long story short,
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if you decide you want to use an accountant, you may want to
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consider engaging them now. So here's the warning. Many accountants will refuse to
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take on new business once you get into November, December, January, and
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for good reason, right because they're having to start to actually take in all
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those documents and prepare returns, and if you come to them too late in
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the game, they'll just say, I'm sorry, I'm not taking on new
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business right now. So if you're thinking, hey, twenty twenty three is
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the year that I'm going to hire somebody to file my income taxes for me,
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you might want to consider reaching out to them now to introduce yourself,
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maybe even give them your last two tax returns for the last two years,
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and then be prepared for filing in first part of next year. Today is
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a day to start that conversation. Speaking of starting a conversation, great opportunity
12:31
to call Class Financial their office right here in Madison six O eight four four
12:33
two five six three seven. That first applotment they get to know you conversation
12:37
at Class Financial. It will be complimentary to you again. They're telephone number
12:41
six O eight four four two five six three seven, the website Class financial
12:45
dot com. That's Klaas Financial dot com. And we've got phone lines open
12:50
for you right now. If you've got a question for CJ and Malia love
12:52
to have you join us this morning. The number here at the station six
12:54
O eight three two one thirteen ten. That's six O eight three two one
13:00
town. Get you on the air with CJ, Class and Malia Quavis,
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our retirement planning profescials from Class Financial. We're gonna take your call next.
13:05
We also talk about some things to keep in mind when it comes to planning.
13:07
Four you're filing of your twenty twenty three taxes. We'll get those details
13:11
from Malia and take your call next. As Money in Motion with Class Financial
13:16
continues right here on thirteen ten WIBA. This is Money in Motion with Class
13:24
Financial, a fun and informative show designed to help you get answers to all
13:28
your retirement questions in one place. Tellphen I'm gonna get on the air this
13:33
morning with CJ. Class and Malia a Quevis our retirement planning professionals from Class
13:35
Financial six O eight three two one thirteen ten. That's six O eight three
13:41
two one thirteen ten. Left to have you on the air this morning with
13:43
your question don't again. Learn more about Class Financial on their website class financial
13:48
dot com. That's klaas Financial dot com. Learn all about them on the
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website. Also sign up for the weekly market paulse newsletter, as well as
13:56
listening back to this and previous show's podcast again. That's all up at classify
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dot com. The telephone number six O eight four four two five six three
14:03
seven, no charge for theinitial gets to know you eployment at Lost Financially it
14:05
will be complimentary again their number six O eight four four two five six three
14:09
seven and telephone number here at the station to get on the air six O
14:11
eight three two one thirteen ten. That's three two one thirteen ten. Talking
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taxes this week and when we think about twenty twenty three taxes, are there
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some things people should be keeping in mind? And what about some tips for
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people being better prepared for next year? Kind of those ways to simplify Maliyah.
14:28
Yeah, So so again, you know, part of me says,
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why are we even talking about taxes because we're only in July. But we
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do like our listeners to be over prepared because the CJ said, that just
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comes really fast, and suddenly we've got this this push between January and April.
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So really hopefully everyone listened carefully to securing an accountant earlier than later is
14:54
really smart. Secondly, as we approach retirement, a lot of our income
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sources of income have changed, so you may now be taking money from pensions
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or other sources of income. Maybe you've sold some real estate, etc.
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Etc. So there might be more reasons that you want to engage a professional
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because your simple taxes don't look quite as simple as they used to. So
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keep that in mind as you're considering how you're going to handle next year's taxes.
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So things to remember. There's this thing that everyone's familiar with called the
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standard deduction. And so back in twenty seventeen, the Tax Cuts and Jobs
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Act passed and that that's where we saw the standard deduction on practically double.
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So that's where we also saw people stop itemizing as much. There are still
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people who do, but previously we'd all put put together our little file of
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donations and everything like that. Well, what most people have found over the
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years with a standard deduction, which is now up to twenty seven thousand,
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seven hundred and twenty twenty three thirteen thousand and eight fifty for single filers,
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unless you're going to have itemization over and above that, and some people do,
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but but generally speaking, you're going to probably take the standard deduction.
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So that's a nice amount to be able to take off as you're filing your
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taxes. So what we're going to suggest as a tip today is create a
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twenty twenty three tax file to secure all those W two's that you'll be receiving
16:32
come January. You're ten ninety nine's and these other statements are going to show
16:36
up. Now, I'm not just talking physical files because hopefully most of you
16:40
don't even have those anymore, but you do need to start creating that,
16:42
believe it or not, little files on your computer or folders where you as
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you receive these electronic statements, and you'll start getting them as early as mid
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January, end of January into February and March, you can start securing those
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documents, saving them into the appropriate folders, and your accountants are going to
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love you. They should send us money for telling you to do this because
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you're going to be so organized. So again, start looking at the end
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of January and into February March. Like I said, I know some people
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are There's two types of individuals. One is I want to get my taxes
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done today. The other type is like you know, just a just do
17:19
another extension. So you need to understand that the IRS does have some um
17:26
actual dates that they have to get things out by, or I should say
17:29
not date IRS, actually your different mutual funds and other investments. So if
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you have iras, those statements need to be out by end of January,
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so you should start seeing them there, but other types will will flow into
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February and March. So um, next thing I want you to do is,
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as CJ mentioned, figure out who's going to do your taxes and get
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that scheduled as soon as you can. And then some two does right now
17:56
is is look at contributing to your traditional IRA or roth IRA before you file.
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So, as we just said, your deadline next year's April fifteenth,
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so you do have until April fifteenth of next year to contribute on behalf of
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twenty twenty three. So right now, your totals include up to sixty five
18:15
hundred per person if you're under fifty into an IRA, and of course you
18:18
have to have earned income for that or seventy five hundred for those over fifty
18:25
or non working spouses, and so that's great, you've got that time to
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be able to do that, but we want you to also look at your
18:33
retirement plan contributions, so those you have to have those in by December thirty
18:38
first. There's no wiggle room around that. So make sure you're looking as
18:44
of today how much have I contributed into my four or three B, four
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one K, etc. So that you can make sure that's maximized through your
18:52
payroll deductions. So again twenty two thousand, five hundred if you're under fifty,
18:57
thirty thousand and four over fifty, that's with the ketchup contribution. So
19:03
just take a look and see how you're doing on that, because we would
19:04
like you to try to maximize your contributions in because it's going to reduce your
19:10
taxes. And then some special things to remember. If you've received unemployment benefits,
19:15
you have to keep in mind those are taxable. And also that you
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can, as I said, continue contributing into your iras roth aras all the
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way now past the age of seventy and a half, so as long as
19:27
you have some earned income, you can continue contributing. Nothing. A tax
19:33
preparer account loves seeing more than you're walking up the door with a nice organized
19:37
accordion folder with all you Yeah, well that you're gonna say, what do
19:40
you have on your computer? Yeah, that's the I guess. Yeah,
19:44
that's exactly. And it's great tips and again as we as we break this
19:48
stuff down, it is never too early to get started on tax preparation.
19:52
As a matter of fact, some great tips this morning and great reasons why
19:56
now is the time to do that as we start this conversation to have this
19:59
kind conversation with CGM. Really it's also great time to talk with the folks
20:03
at Class Financial. All I gotta give him a call six O eight four
20:06
four two five six three seven. No charge for that initial get to know
20:08
you appointment tech Class Financial. It will be complimentary to you again the telephone
20:12
number six O eight four four two five six three seven. Learn more about
20:17
Class Financial. They've got a great website it's class Financial dot Com. That's
20:19
Klaas Financial dot com. Great website and resource there again Class Financial dot Com
20:25
and there telephone number six O eight four four two five six three seven.
20:29
We'll talk about what you should expect to pay for taxes to have your taxes
20:33
done. Also, does everybody need to file taxes? We'll get the details
20:36
on that next and take your call as Money in Motion with Class Financial continues
20:41
right here on thirteen ten WIBA. This is Money in Motion with Class Financial,
20:48
a fun and informative show designed to help you get answers to all your
20:52
retirement questions in one place, talking with our retirement planning professionals only Acquamus and
20:57
c J. Class. Of course they come to us Class Financial the website
21:00
Class financial dot com that's Klaas Financial dot com. Check them out online.
21:06
Also, while you're there, don't forget to sign up for the weekly Market
21:08
Pulse newsletter. As well. As you can listen back to this and previous
21:11
show's podcast, you can also subscribe right online at Class financial dot com.
21:17
That's Klaas Financial dot Com. Telephone number for the office right here in Madison
21:21
six O eight four four two five six three seven, No charge, for
21:23
the initial gets to know You appointment deatcloas financial it is complementary to you again
21:27
the telephone number six O eight four four two five six three seven talking taxes
21:32
this week. And one of the questions I think a lot of people wonder
21:36
about is what should I expect to pay when it comes to working with a
21:38
tax prepared to do taxes CJ. Yeah, good questions. So I think
21:42
people know this intuitively, but it depends. It depends upon the complexity of
21:47
your return and the amount of income you're earning and the variety of income sources
21:52
that you have. But the National Society of Accountants known as NSA, they
21:56
release a study in February of twenty twenty two that reported the following national averages
22:03
for Form ten forty income tax returns and a corresponding state return. They reported
22:08
an average of about two hundred and twenty dollars for Form ten forty without any
22:12
itemized deductions, three hundred and twenty three dollars for an itemized Form ten forty
22:17
with a Schedule A, and then finally about nine hundred and three dollars for
22:21
Form eleven twenty S, which is for s corporations now again, the complexity
22:25
surrounding various tax schedules and your need for reviews of prior returns and all these
22:30
different things rapidly can increase that number. Another avenue to consider if you qualify
22:37
is that you can file your taxes free through the IRS, which has partner
22:41
with many companies that can help you file if you meet certain conditions. The
22:47
IRS Free File Alliance Program is a public private partnership between the IRS and many
22:52
tax preparation and filing software industry leaders, and they provide their brand name products
22:57
for free with stipulations, which we're going to talk about those stipulations here in
23:02
a moment, but it does provide two ways for taxpayers to prepare and file
23:06
their federal income tax online for free. So traditional IRS Free File provides free
23:12
online tax preparation and filing options on IRS partner sites. Partners are online tax
23:18
preparation companies that develop and deliver these services at no cost to qualifying taxpayers.
23:25
Now, do note that there is a cap on income, so this is
23:27
one of those stipulations I was mentioning. The cap on income is about seventy
23:32
three thousand dollars for twenty twenty three, which could change as we move forward,
23:37
and that is for you to qualify for the free file partner offer.
23:44
So if your income is over that then they start charging you. However,
23:47
if your income is greater than the threshold, then you can access free file
23:51
fillable forms, which are electronic federal tax forms that you can just fill out
23:56
and file online for free. If you choose this option, you should know
24:00
how to prepare your own tax return and fill out those forms. And if
24:03
you go to IRS dot gov you can access these programs by searching for free
24:07
file. Now again, I do just want to pause. We're giving you
24:12
the information. But if you listen to the show from the beginning, you
24:17
heard me say we do prefer when people hire professionals mainly because it just cuts
24:22
down on the errors, creates efficiency, allows you to focus on what you're
24:26
good at and not try to be what we call shallow and wide. So
24:30
you can learn a lot of things about a lot of things, but you
24:33
end up having to be pretty shallow and wide. Generally, we find that
24:37
people are going to be better off if they are narrow and deep, and
24:41
so this is one of those areas where there's just a lot of part of
24:45
the tax code that is not going to apply to you, but you need
24:48
to understand these parts of the tax code in order to file a tax return
24:52
appropriately. Now with all that being said, you can again do it for
24:56
free. We talked about a few ways and there are some pretty i'll call
25:00
it cheap do it yourself for options as well, which are some of these
25:03
low cost tax filing softwares out there. So a couple of big names are
25:07
Turbo Tax h and r Block Tax Layer Tax Act and again these programs you
25:14
can just pay for the software online and then it's you know, suwhere between
25:18
call it fifty to a couple hundred dollars just to pay for the kind of
25:22
the assistance of the technology to get you through that. So there you go.
25:26
There's the outline everything from hiring a professional to trying to do it completely
25:32
for free or just hiring a technology and paying a lower amount. Either way,
25:37
you know, consider what's best for you. Very interesting stuff from c
25:41
J Class Emilia Quevas our retirement plan and professionals from Class Financial online, Class
25:45
Financial dot com that's Klaas Financial dot com. They're telephone number six to eight
25:49
four four two five six three seven. No charge for the initial get to
25:52
know you apployment tech class. Financially, it is complimentary to you come up
25:56
a just a moment, we'll do the class quiz question week. But before
25:59
that action that sometimes I hear from folks and I go, wait what and
26:03
say, do I have to file a tax return? Is do? What?
26:06
Does everybody have to file malio or what do we need to know there?
26:08
Well, that's a great question. So there are situations where you possibly
26:12
don't need to file, So again I said possibly, so we would ask
26:17
you to double check with a tax prepared to make sure of this. But
26:22
what the IRS does is they consider your age your filing status, in your
26:25
income. So if you didn't have any income, then probably not. But
26:29
most people do have some form of income as they're in retirement. So in
26:34
twenty twenty three, you likely will not need to file a tax return.
26:38
If you're under age, under the age of sixty five, and you're single,
26:42
you don't have any special circumstances that require you to file, like self
26:47
employment income. If you earn less than thirteen thousand, eight hundred and fifty,
26:52
which is the twenty twenty three standard deduction, likely you won't have to
26:56
file. So if you only receive Social Security benfits and you don't have any
27:00
other taxable income, then you possibly won't have to. But again we want
27:07
you to double check. Especially if you're married, that could complicate the situation
27:10
because you might have an income from another source. So we want to make
27:14
sure that if you don't have to file, certainly don't, but make sure
27:18
someone qualified has to run your numbers to make sure that is the case.
27:22
Yeah, the i RS isn't always that understanding, we say, oh,
27:25
yeah, we want to make sure you do it right. Exactly. Great
27:29
information, very important tips and guidance this week. Don't forget. If you
27:32
missed any part of the program today or want to listen back to a previous
27:34
show, you can always listen to the podcast at class financial dot com.
27:38
That's Klaas financial dot com. Also subscribe to the podcast right online, as
27:44
well as an opportunity to sign up for the weekly market Pulse newsletter that all
27:47
at the website class financial dot com Klaas Financial dot Com. Telpho number six
27:52
eight four four two five six three seven. No charge for the financial gets
27:56
nor appointment at Class Financial. It will be complimentary to you. Again.
27:59
The teleph number six O eight four four two five six three seven. You
28:03
can want to hold on to that telephone number now because it's time for the
28:06
class Quiz Question the Week. It works like this and just a moment,
28:07
I'll ask you the class quiz question the week. You will then have thirty
28:11
minutes from the end of to day's program to call the Class Financial office right
28:14
here in Madison at six O eight four four two five six three seven.
28:17
If you are the first caller with correct answer, you win this week's prize,
28:21
which is a twenty five dollars gift card to Amazon. This week's class
28:25
quiz question the week is this What is the irs due date for twenty twenty
28:30
three income taxes to be filed in twenty twenty four. Telephone number six O
28:37
eight four four two five six three seven. First caller with correct answer win
28:40
the twenty five dollars gift card Amazon. And again that's Class Financial's office right
28:44
here in Madison. No charge for the initial goods, No you apployment at
28:47
Class Financial. It is complementary for you and they're telephone number six O eight
28:51
four four two five six three seven. It's always great chatting with you guys,
28:53
Always fun and I always learn a lot. It's always good talking you
28:56
guys. Enjoy the day. Thanks Thanks Sean CJ. Class Male Acquavius.
29:00
Our retirement planning professionals from Class Financial News comes your way next right here on
29:03
thirteen ten, Dumbly I bea This is Money in Motion with Class Financial Asset
29:11
Advisors LLC, a registered investment advisor registered with the SEC. The content of
29:18
this show is for informational purposes only and should not be considered individual investment advice.
29:25
Class Financial does not offer tax or legal advice. Any opinion offered during
29:30
the course of this show is the opinion of that particular investment advisor representative,
29:33
and not necessarily the opinion of Class Financial