Latest / WCHS Network Podcasts / 07/08/2024 Retire Right Radio with John Burdette

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07/08/2024 Retire Right Radio with John Burdette · WCHS Network Podcasts

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Unlock your dream property with Meeks Realty Group, where Rich the realtor makes real
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Contact us at Meeks dot us. The views and opinions expressed on this
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employees or WVRC Media. This is retire Right Radio, a weekly show from
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John Verded at Fourth Avenue Financial that aims to answer your questions about financial planning,
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On Retire Right Radio, Let's go lide to the studio with host Dale Cooper
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and John Verdet from Fourth Avenue Financial and a pleasant Monday morning to you.
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You're listening to retire you Right Radio on five ad w c HS the Voice
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of Charles and John Bredet is in studio with me this morning. I'm Dell
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Cooper, John. Good morning. How you doing this morning. I'm doing
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great. Have a good weekend. Oh yeah, it was a busy one
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working working in the cold mines. Oh. I been working with my wife.
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Uh she's she's opening a new business. So uh I've been uh uh
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refinishing floors and building walls and doing a lot of contracted work that uh,
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you know, it's not my day job, but hey, I'm doing it.
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I got you. So you didn't take a break for a nice refreshing
1:34
vanilla ice yesterday for Saturday? Uh no, no, no, no vanilla
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ice break nov the age. So that was that's that was. Uh,
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you know that's your era. Maybe not your wheelhouse as far as absolutely,
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I mean, you know ice ice baby, that's right? And what else?
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Uh you are? You're listening to retire Right Radio on five ad w
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c HS, The Voice of Charles and after a great weekend on the fantastic
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weekend with the with the the regatta that was in town. All kinds of
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great stuff that happened with Regatta, of the different concerts in towns, a
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lot of people in Charleston. You know, it was really odd in Charleston,
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the way that the distribution of the crowds and stuff work, especially during
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the daytime of Regod. I mean, at nighttime is just busy, you
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know, but at daytime they have the pockets of different events and stuff.
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And so you'll go and you'll see these pockets of different events, and then
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the rest of the town is really pretty quiet, right. So you go
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from like massive amounts of people you know, celebrated, hooting and holler,
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and then you take a block a couple of directions the other way during the
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daytime like last week, and then it's like regular Charleston, you know,
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fairly quiet, and maybe even more so because everybody's over at the one place.
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Oh yeah, it was an interesting week. And man, what a
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great way to launch out the summer in Charleston. I'm glad that reg God
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is back one way or the other. Oh I am too. I mean
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when I was a teenager, that was the exactly place to go. And
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yeah, yeah, I remember Alabama. I remember that. Oh yeah,
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that was Google Dolls came came by one time. I mean that was pretty
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big. When they had like a they had like a two prong career where
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they kind of hit a little fame and then like faded for a while,
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then came back and got really really famous, and we got him there in
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that kind of middle area before they came in. It's pretty good. One
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of my craziest memories when I was a kid, was growing up in Charleston
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area, and I had an older friend of mine that was a great guitar
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player. And I had an old Chevy S ten pickup truck at the time,
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and we drove around in the alleys of Charleston and he had a wireless
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amp in the back of my trunk and he was just playing like StarSpangled Banner,
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various Beatles songs, you know whatever, just solo and electric guitars were
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like driving around through the alleys just echoing everywhere. Was such a cool,
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such a cool effect. It would have been something awesome back I mean that
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was probably in nineteen ninety two or three or something. It'd been awesome if
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like social media evented back to the day, because that would have been pretty
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viral. I think it was kind of nice. It was really spooky sounding,
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wasn't too bad. Look, if you have any questions this morning about
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how you can retire right, and I'll get through with mine on tennis.
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He goes to call this morning at three zero four three four five fifty eight
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fifty eight three four five fifty eight fifty eight. We're going to talk a
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little bit about you know, where things are right now as far as the
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investor's concerned with the market and everything. We're going to talk about distributions a
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little bit this morning as well. We talk a lot about, Hey,
4:09
you set yourself up for your retirement. You want to retire right, what
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happens when you get in retirement? How do you actually get your money?
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Is it easy? Is it hard? How can you do to set those
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things up? We're going to talk about different things along those lines. If
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you have any questions about how you can set up your retirement, how dispersements
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are going to work for you, things along those lines, you can give
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us a call this morning three zero four three four five fifty eight fifty eight.
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Three zero four three four five fifty eight fifty eight. Well, we're
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what a little over a week, almost two weeks past. The debate that
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happened didn't really move the market that much anyway, It didn't have much of
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effect as far as things goes, as you know, you realize, I
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mean, those things are punditry gold. But when it comes to like the
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brass tacks as far as the economist that goes, didn't really move the needle
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all that much. But that being said, we're still kind of fighting to
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get back to forty. I think then we cresh it one more time and
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the come back down one time. Last week I can't remember, but well
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I don't the Dow has not, but but the broader market did. So
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you know, it was a great week in the market last week. The
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market really, uh, you know, took off again. The tech stocks
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are just they keep powering forward and and uh and that's great, but you
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know, and and there is a little more broad participation this year, but
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still it's the tech stocks. And you know, we'll see how long that
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continues. But but you know, I'm really hoping for a broadening in the
5:34
market sometime soon, so we can you know, continue to the rally because
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that's really what's going to power it forward to the next new highs. It's
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a little concerning to some, I mean the market maybe not concerning may not
5:45
be the right word for me. I guess It's just interesting because we talked
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about the there being some strong leaders as far as really pulling the market along,
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and you know, rising tides lift all boats, is what you kind
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of hope uh uh uh in the long term. That's not necessarily the case
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directly, but it's like it's reflected if you look at that, and it's
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almost like a like a analogy to like the economy in general, like people
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in general. Like there's some areas that seem to be completely unaffected by anything
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that's happened in the last six or seven years. You know that areas that
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are really going well, people are like, oh, what do you mean
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there was never any problems here. But then there's other areas that are really
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struggling to get going again or to find their place or frankly, to re
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envision what it means to be in the post pandemic world and stuff. You
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know, things have changed a little bit, so there is like I can
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understand why, like from a confidence perspective and different things like that. Some
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people might be like, hey, things seem pretty good, but there are
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still so many people are like, man, are my industry struggling a little
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bit? This is struggling over here there are I guess there's not parody.
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As far as the market and the economy goes. Some things seem to be
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perfect, some things are still struggling a little bit, Yeah, no doubt
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about it. Just just as with households. I mean, some households are
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doing extremely well. Some are struggling. And you know, we have a
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peer right now where the asset owners are doing very well and the people starting
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out that don't have investment assets, that haven't bought homes yet, that sort
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of thing. You know that that now is a time for struggle there generally.
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And of course that was the opposite it, you know, five or
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six years ago, and so the the it's flipped a little bit, and
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and so people are feeling pain in some of those areas, no doubt about
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it. The economy, the numbers are showing that inflation continues to cool,
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but so does the economy. The economy is still healthy, it's still growing,
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but there's some indications that there's definitely a slowdown going on in the economy.
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You know, the question is does that turn into an economic recession or
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is it the soft landing that everybody believes at this point is still in the
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cards. You know, we'll see. I will say that, you know,
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with all the noise out there right now of the elections and things like
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that, that that can have headline effects on the market. But when you
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think about it, and and the reason I keep bringing this election thing up
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is because that's what everybody's sure, you know, and everyone takes their their
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politics and then overlays that on their investment philosophy. And you know, I
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just cautioned people from doing doing too much of that because if you think about
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your own life, have you made a buying decision, you know, what
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you ate this morning, or you know, because who was the president or
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who was going to win the election. No, that's the economy, you
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know, that's the business profits and and most decisions are not made based on
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who wins an election. Most decisions are based very locally inside your own household.
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Yeah, and that's what drives the economy forward. And now policies can
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can certainly, you know, change over time, but those things don't happen
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overnight. They're broad in it's slow for the most part. You know,
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it's not something that changes like by pulling a plug or something. Usually that's
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correct. And so I just you know, as we get into this noisy
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period, just caution people around that. A couple of things related to that
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that I've picked up, a couple of conversations that I've had and things that
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I hear. The one thing that I've heard a lot of recently with especially
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young couples, young families and things like that, is talking about the housing
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market and how expensive to get into the housing market is, which is absolutely
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true. That it is one I hesitate to give advice because I'm not in
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any place to be. You know, I'm not an expert. I don't
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give advice. I can just you know, I have my lived experiences and
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and although I didn't do it at the time because I was trying to manipulate
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anything, it just happened to be a situation that I got into. There
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was a time after I had purchased a home where I started renting and rented
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out my home that I purchased. It was an odd situation that I was
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in, but it was frankly some of the easiest time that I ever had
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in my life. And I'm thinking about some of the younger people that are
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coming along now and struggling to get into the housing market. It seems like
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that might be a great opportunity if you don't have a child yet and you're
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just coming up either you're a young person or a young cup or something like
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that. You could live on the skinny for a few years in an apartment,
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you know, find something that works for you. You don't have maintenance,
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you don't I mean, there's a lot of there's a lot of things
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that you would put into a house normally that you don't have to worry about,
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and you could actually turn that into opportunity where you're putting that money away
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to give yourself a better opportunity down the line. Yeah, you know,
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owning a house is a is a great thing for you know, especially family
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formation, you know, having children, having stability and and that sort of
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thing. But financially, you know, renting is particularly renting in the short
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term is not a terrible thing. You control your cost, you have a
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more known you know, when the ac goes out in an apartment, the
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landlord fixes that. When you own a house and that happens, it's on
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you. So so there are a lot more variable expenses and unknowns that can
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pop up when you when you own a home. You know, long term
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why does home ownership pay off? I mean generally, what you're doing when
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you buy home is you're locking in your housing price. You know, when
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you buy that house and you pay that mortgage, that is locked in and
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so you've bought and so as inflation happens and rents go up over time,
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you are locked in at the day you bought that house and and over time.
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That's why home ownership is is so great because then in the future it
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frees up capital to invest and do other things to build wealth by locking that
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in. But but for short term periods for unknown you know, for instance,
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if you if you don't know where you're going to land for a job,
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you know it might take you out of state, take you you know,
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you probably don't want to buy a house and that in that you'd be
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better off renting because it's for a short term period and the transaction costs are
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high when you buy and sell a house. Yeah, it's some great points
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all around, and you do a great job. And your talk path with
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ownership has really been something that I think folk folks should really focus in on
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sometimes because owning a home, while it can be, you know, a
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benefit, there's also a lot liabilities that are included in it because of the
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costs in the different things along those lines, and to look at it as
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something that where you're locking in your price in the long term and then you
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know you have equity and stuff on the back end. Sure, but even
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beyond that, you're able to control what you are a lot like a renter
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in some cases. But but locking that morhage in is very important for you
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to free yourself up to do other things. You know, you know you're
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in your house fifteen years is probably gonna be your thing. I mean,
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it gives you more of a long term view of things. But looking at
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your home as a future cash cow for some reason that some people tend maybe
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it's starting to die down a little bit, but some people looked at all,
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I have all that equity in there. That's not necessarily the way to
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look at it. Well, equity doesn't doesn't pay the bills every month.
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Equity, yes, it's an asset, it's on your balance sheet. You
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to sell it, but it is not the same thing is having cash or
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an investment account that is easily accessed, you know, for you to realize,
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yeah, let's say you bought a house for two hundred thousand and twenty
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years from now, you sell it for five hundred thousand, that's great,
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But if your house went from two to five, there's a good chance that
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the rest of the market did the same thing. Right, Well, you
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sell the house, you realize the game. You still have to live somewhere,
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So either rents are going to be higher or the place you buy is
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going to cost five hundred thousand dollars or more unless you downsize. And that
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can be a great strategy if you want to downsize, but that's not the
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same thing as an investment would provide. You know, an investment grows and
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you can upsize your life, not downsize your life. So yes, a
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home can be a valuable thing to have in your financial life and your financial
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planning, but it is very different than a productive investment. And it does
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not mean that your investing futures are ruined because you suddenly can't get a home
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ownership at you know, twenty six, you know, in your relatively fresh
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out of school or whatever it might be. It doesn't You can still do
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everything. Talk to John. John can set you up, and you can
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and you can continue to invest. In fact, you might even be at
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a better situation than the short Sure, some areas of the of you know,
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real estate markets around the country that you know, even I would say
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I'm going to rent here, right yeah, I mean, you know,
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if I'm moving to southern California, if you look at the prices versus the
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rent, it makes more sense. For the view that I've looked at,
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it would make more sense to rent in a place like that because the multiple
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that you're paying for the house versus the rent does just doesn't make sense.
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And that wouldn't be the case, you know where we are here in Charleston.
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You know, housing prices are are much more reasonable here. You know,
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it financially makes more sense versus rent in an area like this than it
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does you know, some other areas. So it just also depends where you
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are. But you know, long term, that's really what you're doing at
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a home purchase. You know, people call it an investment. I put
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it kind of in between on the balance sheet of an asset and a liability.
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You know, you're also acquiring liabilities when you acquire a house. You're
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you're acquiring the taxes that go along with it, the insurance that goes along
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with it. The maintenance that goes along with it, all those unexpected things
16:02
that happen. So that's not the same thing as a productive asset. And
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real estate market is different than market overall. So you could be in an
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area that where everything else is going great in the country, but you could
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be in an area that for some reason another has problems with the real estate
16:18
market in the area, or you're somewhere like in West Virginia where we had
16:19
people places that got re cast into flood zones and things after twenty sixteen.
16:25
I mean, things can happen. Things can happen, and you got it
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out about it. I mean, you know, if you live in a
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town, small town and there's a main employer and that main employer closed this
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down, that's not a great environment for the real estate market. It's still
16:37
spooky when you see pictures of like Gary, Indiana and some of the some
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of the places that are just straight up abandoned, you know, like almost
16:45
like it was like people just disappeared, like food in the microwave type of
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thing. It's really it's really crazy. I used to drive out there all
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the time when I would visit Chicago from Michigan when I lived there, and
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it's just like the a couple of times that I got off the exits to
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drive around. Man, it does it feels like a different world, Like
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it's pretty strong. Yeah, it's like every other house is now a grassland.
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Yeah, that's just turned. Its very odd. Not that that's you
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know, an eminent thing that's happening. It's just odd when when you see
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real estate places just you know, kind of in a relatively short amount of
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time, just kind of disappear. As far as that goes, give us
17:15
a call this morn if you have any questions. You can direct the direction
17:18
of the conversation as well. If you have any questions about your retirement.
17:19
We're gonna go and take a break right now. When we come back,
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we're going to talk a lot about dispersements. How do they work, how
17:25
do you sign up? How do you customize it to fit your needs?
17:26
What if you have multiple people that need dispersements? I don't know the answer
17:30
to that question. I'll ask John about those when we come back. You
17:33
can get your question ready as well and give us a call. Say how
17:34
to Ryan answer the phones at three zero four three four five fifty fifty eight
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three zero four three four five fifteen fifty eight. You can also text over
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any questions you have to three zero four non three five five zero zero eight.
17:45
We'll take a break and be back right after this. I'm Delle Cooper.
17:47
You're listening to retire Right Radio with John Burdett from Fourth Avenue Financial.
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Find out more information at Fourth Avenue Financial dot com. That's Fourth Avenue Financial
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dot com where you spell off the whole thing, Fourth Avenue Financial dot com,
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and over at Facebook at Fourth Avenue Financial as well. We'll be back
18:00
right after this on retire Right Radio. WCHCHS, the voice to Charleston.
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Retire Right Radio is sponsored by Fourth Avenue Financial, which is solely responsible for
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its content. Security is offered through jw CL Financial member Fenricipic. Investment advice
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offered through jw CO Advisors Fourth Avenue Financial. Jw CL Financial and jw CO
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Advisors are unaffiliated entities. The opinions expressed by John Bredet should not be construed
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as specific investment, legal, or tax advice. All economic and performance information
18:26
is historical and not indicative of future results. Investing may involve risk of loss
18:30
of principle. Any tax advice on this show is not intended to be used
18:33
by any person for the purpose of avoiding US federal or state tax penalties that
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may be imposed on such a person, and each listener should seek advice from
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their tax advisor or legal console on topics that arise from the show. John
18:45
Bredett is not providing legal or tax advice. Nothing should be construed as solicitation
18:48
of an offer to buy securities. This program is sponsored by Fourth Avenue Financial,
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Recently on Let's Talk with carl Lee, Donathan Fraser, director of basketball
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You're listening too, We're sorry right Radio five eight. We see HS
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to fifty. You can text over any question since you have for John Bredad
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five five zero zero eight to three zero four non three five five zero zero
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eight. More information online is fourth Avenue Financial dot com. You spell out
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the whole thing fourth Avenue Financial dot com and you can find the web page
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over there. You can also you can also find the Facebook page by doing
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that same search at fourth Avenue Financial on Facebook and like the page located one
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seventy Court Street, downtown Charleston. I'll get their contact information when we get
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closer to the end of our show and the opening of their business. It's
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fourth Avenue Financial, one seventy Court Street in downtown Charleston. You brought up
21:30
a great point, John when you first came in here this morning, and
21:33
this is we talk so much about making sure you retire right, making sound
21:38
investments, being in control of your of your of your retirement life, and
21:42
things like that. The money just doesn't magically appear at the end. And
21:47
I'm assuming you don't have to. You don't have to, like, you
21:48
know, drive into the to your to your accountant every uh uh every week
21:53
to get a dispersement check, or to your financial advisor. There must be
21:56
some way to set this thing, these things up. So how does it
21:59
work? How does dispersement's work? Where does that money actually come from?
22:03
What kind of accounts do someone need? How does how do you typically set
22:04
someone up for that? Sure? So so typically most folks that come into
22:11
the office have been saving for years in their four one ks at work,
22:15
and that's what you're told all the time. Save, save, save,
22:19
invest, invest, invest, and that's what you're used to doing. And
22:22
then all of a sudden you retire. What do I do with a spot
22:26
of gold? You know? How do I turn this to an income that
22:30
I need to continue living the way I'm accustomed to. And that's really where
22:34
we can help streamline that. You have the option usually to roll that retirement
22:38
account into an i RA that we can help you manage. So we manage
22:44
the investments, and then we will decide a prudent amount that you can take
22:49
as distributions based on you know, your lifestyle and your goals and your needs.
22:56
And when we set that up, we will will automatic generally, we
23:00
will automatically deposit into your bank account a check every month. And we were
23:08
like, well, okay, that's great, but what about the taxes,
23:11
how do I pay the taxes? Well, we can withhold that for you.
23:15
So state taxes, federal taxes, we can withhold out. And at
23:19
the end of the year, just like when you were working, you've got
23:22
your W two. At the end of the year, you're going to get
23:26
a ten ninety nine showing here are the distributions that came out. Here are
23:30
the federal and here are the state taxes that were withheld, and very easy
23:34
to file your taxes at the end of the year and not be surprised with
23:37
the big tax bill because we've withheld along the way. That sounds very easy,
23:42
very easy. So when you're setting these things up and you want to
23:45
do this, and I always kind of bounce back to my mom because she's
23:49
fairly recent retired. I mean it's been in a couple of several years now,
23:52
three years I think, but there's a bit more than that. Anyway,
23:57
I remember her describing to me what she did when she went to her
24:00
advisor and got it all set up. She basically just told him, I
24:04
just want to get paid what I got paid when I was working, because
24:07
that's what my budget. You know, I'm budgeted within that. I know
24:10
what that is. Can I do that? And he was like, oh,
24:11
yeah, you can do that. If that's all that you want,
24:14
then we can make that work. If you need anything else, let me
24:15
know. And so that's just what she stuck with because that's what she was
24:18
comfortable. She didn't need any more money than that. My mom's not a
24:21
big traveler or anything. She just she works on her property and does those
24:23
things. And it's worked out perfectly for you know, there hasn't been any
24:26
as far as that stuff goes. It's worked out exactly, like you said,
24:29
just uninterrupted perfect distributions and things like that. I always encourage folks when
24:33
they're setting up the distributions to look at their budget and take out the baseline
24:40
budget every month. In other words, the regular thing. Right that way,
24:44
you're still living within a budget and getting accustomed to that. But then
24:49
also know that out of that IRA, if you want to take a trip
24:53
and you need five thousand dollars, you can do one off distributions for those
24:57
type of things. A lot of times folks will look at their money and
25:02
say, well, I know I can take this much out of there every
25:04
year with the idea of well, I'll just put that in savings and and
25:11
and let that pile up and then I'll take a trip or do something from
25:14
that. That does a couple of things. One it it it provides temptation
25:19
because the money is has been pulled out and it's just setting in a check
25:23
account to It creates an unnecessary tax bill earlier in your in your retirement because
25:30
when you take it and just set it in a in a savings account or
25:33
a checking account, well, one, you've taken it out of the market,
25:36
so you've lost the growth potential. And then too, the government gets
25:40
their hands in your money quicker. And so why create a tax bill if
25:45
you're not actually going to spend the money. Allow it to compound tax deferred
25:49
until you need the money. So if you do that, you know then
25:56
you know I could still do the things I want to do. But it's
25:59
a it's that one off distribution and you're still just like you were when you
26:03
were working. You're working within a predictable cash flow that you build your lifestyle
26:10
and your budget around. That seems very when you lay it out like it,
26:15
And that's the reason you go see a financial advisor like John Burdett by
26:17
the way, for the Avenue Financial dot Com. Their phone number is three
26:19
zero four seven four six seven nine seven seven three zero four seven four six
26:22
seven nine seven seven. But that kind of advice is exactly the type of
26:26
thing that you're looking for from your financial advisor and when you're looking to retire,
26:29
right, because that's exactly what you want to see you in your latter
26:33
years when you're retiring and things like that. You want to have pre planned
26:36
for all of this, have an idea of how you tackle your budget and
26:38
how you live in that life, and then not have to worry about it.
26:41
I mean, that's what it's all about. Right. You've worked your
26:44
forty years to get to this point. You don't want to have to worry
26:45
about this stuff. All the time, right, and even with the allocation,
26:49
you could take a lot of the worry of the market out of it
26:52
by how you allocate the money, by separating that income need from your long
26:56
term growth need. And those are things that you know, as we set
27:02
down together, we'll talk about those things. What are those short term needs?
27:07
How comfortable are you in the market, And and then we also talk
27:11
a little bit about just the market history, so that as we're building that
27:15
plan, it's like, Okay, here's here's what's happened before, and here's
27:19
how we're going to try to mitigate those risks and the future for you,
27:23
and and try to make sure that there's a comfort level and really a buy
27:27
in there so that with the inevitable market downturns happen, you're comfortable with the
27:33
fact that, hey, the plan it anticipated these these type of events because
27:41
you know the market's going to continue to do what the market does even when
27:42
you retire. You have to build your plan around that, your distributions around
27:48
that, and and try to mitigate those risks as as best as possible.
27:53
And the market works over time as long as as long as you are doing
27:57
the right responding the right way to what the market naturally does. And that
28:04
is really I think the biggest factor that an advisor brings. It's that that
28:14
buffer against emotional decision making, you know, the long term perspective and and
28:19
and that gets amped up. The tendency for that type of behavior gets amped
28:26
up as you move into retirement because you have to rely on that money every
28:32
month to pay the bills. You know, you can't go back and do
28:36
it over if you know it took you thirty years to get to that point
28:40
of retirement, and and if you mess it up, there's no do over.
28:45
You can't go back in thirty years and do it again. So emotional
28:51
decision making in response to news cycle or or the market moving up and down,
28:59
there's there's a greater tendency for that as you move into retirement. And
29:03
that really, to me is the value that an advisor brings. You bring
29:10
up a good point when people when you talk about your job is to make
29:12
sure people can make sober decisions to make it right. Because even if you're
29:15
doing everything you can to be the best steward of information possible, that you're
29:18
trying to you know, not be knee jerk reactions or whatever, you still
29:23
get the basically headline gaslight. I don't know how many times I hear people
29:27
say, well, that's just like Ron, and I'm like, it's actually
29:30
nothing like in Run, you know, And it's because they just know,
29:33
Hey, Inron happened and a bunch of people lost money, and and these
29:37
people getting into retirement lost pen of different things like that. So this is
29:40
just like Ron. It's like, it is absolutely nothing like Inron. But
29:44
people that's a headline thing. So people think lost money in Ron, and
29:48
Ron didn't even have to do with the market. But you know, that's
29:51
not like in Run at all. And that's and that's the kind of thing
29:53
that you help bulwark against a little bit because you not only have the perspective
29:57
of history, but you have the knowledge of what's actual, and so you
30:00
can kind of combine those two things to walk people through what something really means.
30:06
Yeah. Yeah, And there again, it's perspective. It's it's understanding
30:11
that there will be times you're not going to like the market. But how
30:15
have we dealt with that, you know, is that that's a feature of
30:18
the market, not a flaw. We just know that the market is going
30:21
to have this volatility. How do we build a plan this resilient to that
30:25
upfront and then build the expectations that every four or five years you're just you
30:30
know, going to have to go through a rocky time on a portion of
30:33
your money, but it won't affect your income. It won't affect because we've
30:37
built that into the plan upfront, rather than take the emotional swings and reacting
30:44
to that, our plan accounts for upfront. That's great information. Great information
30:48
has always with jenbre Dabt from Fourth Avenue Financial. Let me make sure that
30:52
we get our information out to you one more time so you can get a
30:55
hold of John if you have any questions. I know sometimes it's a little
30:56
bit tricky asking questions about your finance life on the radio, although if you
31:00
ever want to call in, of course you're welcome to give an alias name
31:03
so you don't give your name, and the text line is completely anonymous,
31:07
so if you do have questions at any point in the future, you're one
31:08
and welcome to get ahold of us. But you can find more information about
31:11
Fourth Avenue Financial one line. First of all, it's fourth Avenue Financial dot
31:15
com, which is a good place where you can get you can remember that,
31:18
so you can go get the phone number and stuff if you have a
31:19
hard time remembering that in the future. You can also set up your appointment
31:22
and things like that on the website fourth Avenue Financial dot com. You can
31:25
also do that same search on Facebook and like the page over. There a
31:26
lot of interactivity on Facebook at Fourth Avenue Financial. And then the phone number
31:30
is three zero four seven, four six seven nine seven seven three zero four
31:33
seven four six seven nine seven seven again three zero four seven four six seven
31:38
nine seven seven. That's for Fourth Avenue Financial located at one seventy Court Street,
31:41
Downtown Charles. And this is how you can retire right if you have
31:44
any issues wanting to set up your plan for retirement, maybe a loved one
31:48
or your child are struggling to get started or you need to help them get
31:52
started. John's a great person to talk to and the initial consultation is without
31:57
commitment and completely free. So you can give John a call three zero four
32:00
seven four six seven don seven seven three zero four seven four six seven non
32:04
seven seven anything else before we got out here today, John, No,
32:07
just just know that, like you say the first time you come in or
32:10
or we schedule a phone call together. It's truly just to get to know
32:15
us, you know each other, make sure that we're comfortable together, and
32:17
and there's no obligation. It's truly, hey, what's you know? Sometimes
32:24
it says, hey, what's up? You know, what's on your mind
32:28
about your investments? And then we dig into it from there. It's a
32:34
very very low lift and a very easy entry. That's great information as always
32:37
with John berdatat Fourth Avenue Financial once again Fourth Avenue Financial dot com and the
32:42
phone number is three zero four seven four six seven non seven seven. Let's
32:45
go ahead and in the show for today. Thanks for tuning in to retire
32:49
right Rady. We'll be back here next Monday morning at eight twenty one five
32:52
ad W SHS. Coming up next is Dave Allen with five A Dylave follow
32:54
about Hoppy Kerchiefal is back on talk line today. Hoppy will be back at
32:58
ten oh six and then I will be back this up after a three or
33:00
six with d a weekly on hotline. Have a great day everyone. You're
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listening to the voice of Charleston FOB ad W c HS W c h S
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