Welcome to the safe money retirement planning show with Steve stress -- -- -- -- to prepare you for the retirement and who are you to lose the retirement. That's -- just Steve has over thirty years experience creating save money by using proven financial strategies that provide a stable income for the rest of your life to insure your hard -- is 100% sure. -- any at all MarketWatch what's your retirement money to work for you. By avoiding taxes rising health care inflation. And market volatility does it save money Texas dot com or call today for your personal appointment 804571298. And now. Fierstein stress escape. There hello and welcome to receive money in -- -- show this its deepest recess to your host. Then thanks for -- and on this glorious weekend. There are located right here in the Austin area in round rock Texas. And that first of all thank. Our local listeners for calling in to show last week and taken advantage of our -- meetings and are free book offers and thanks to you for just calling in with your questions that really just units and simple or complicated answers. You know to -- your financial questions. And I've been in round -- now for over thirty years from then on thirteen seven we don't know talk radio now for over five years. And on thirteen seventy you know every Saturday. At noon and Sunday -- me down. Sort of grab a piece of paper and a -- you're gonna need this number. That's 1804. -- 71298. Intercourse -- website to give you some valuable information. Is WW. Dot safe money taxes dot com let's say money taxes all right now. Dot com. So give us a call 1804. Pars 71298. My team in receptions for standing by to take your calls 24/7. He can call any time that's 1800. -- are 71298. No I'm licensed by the state of Texas I'm an independent agent. I don't work for an specific company or some large corporation that tells -- representatives what to offer what not to offer. I'm independent. Work for you to bring you. The very best services and financial advice -- so available today. Should give me a call 1804. Pars 71298. That's 1804. Pars seven. 1209. Sir if you want more than you know hope and change in this standard advice -- -- go ahead and just put some money in the market and and hope it goes up and if that falls than just sit tight and telecoms Barack. If it comes back at all. If you're happy with that philosophy the world likes some solid dependable predictable. -- understandable. That choice and knowledge. Think give me a call at 1804. Pars 71298. That's 1804. -- 712. 98. No more core value is that I blew that all wealth comes from god. It's my responsibility. To be a good Stewart what god and trust in me. The good stewards should first protect his -- from loss. In second maker workers are responsible. This philosophy is what I base all -- or its recommendations on. To give us a call 1804. -- 71298. I introduce my co host narrow groups are concerned. Grace I think we got a great show lined up this weekend and are you doing today. Bob Dylan great and we sure do Steve I'm really excited about today or gonna hear from Patrick Kelly during the show today in of -- -- -- stay close to the found the 'cause we're gonna be giving away some of Patrick Kelly's books today. And we've also got a little surprise towards the end of this show. We might be given when something now so you'll wanna stay tuned for that. Families that tinian every week you wanna invite you to continue to listen every weekend. Saturdays at noon here on thirteen 70 AM and Sunday morning to -- Or checking -- with the news Steve just mentioned the market well with all the ups and downs on Wall Street recently. Many market watchers say it's primetime for correction. Harry -- is one of them he says were currently in several bubbles including stocks commodities and real estate that are just about to burst. These bubbles are gonna continue to burst. And there's no way that government can keep a -- go on forever although they're making the best efforts I've ever seen these efforts will fail. When bubbles burst people get destroyed in a short period of time they build exponentially and -- burst twice as fast -- more. So you have to recognize this is the bubble and stocks are getting to really strange right now real estate bubble already started to burst bubble burst and many other places. Around the world but this stock bubble we're about to see the final stock bubble burst there in 2014. And you need to get out of the way and protect yourself. -- house to. -- is what Harry saint trailed 10 what are some of the ways that you can protect yourself and most importantly your money. Well there's -- Hermosillo in more than warrants suits you do not locked in your gains -- gains that you have in the market. You ever really have those -- and of course the answer is no you know all your monitor and on the gambling table. Then the market falls you're gonna lose money it's that simple. So you need to have be diversified and then when way of doing those courses with the index accounts Richard Herman talked about. And of course with the index -- what we do is guarantee the principal. So there's no losses of the prints from bullets are the principles completely protected at all turns. And I don't know of any other investment that we consider that. And of course -- do you protection for market decline is well so once you're cancer locked into the account it cannot be taken away. And of course are other ways of Bustamante and Karl who's -- nasty he used in new and commissions -- come on your mind. There and with our index accounts there is no -- there is no commissions come on your -- I have to be paid and are paid by the companies. In our own -- book and of course your money's available when you're near the demolished. We have exit strategies. Income stream slumps arms and a lifetime income options and missed numerous ways of power which were all funds. And of course one thing that's happened in -- which is another loss -- taxes. And our programs we have -- referral. You decide when to pay the taxes on your non qualified accounts so those laws of funds to -- -- accumulating for your. You don't have to worry about so many of your returns don't concern. Dismissed senior Carol and continue to compound out for you. And of course along with that. We may be other opportunities to by reducing taxation for you maybe we can even reduce some of those taxes and Social Security for you as well. So in not only and we -- in the tax basis where you we ramparts we sent -- in the source security side as well for yeah. And of course the key is is Larkin in those games north's unlike your mutual funds through your stock your brokerage accounts. You know then there market falls you're gonna lose those assets. Here what's your -- are locked in your camp they cannot be taken away. So you're gains are guaranteed to not only your principal guarantee. Richard gains are also guaranteed. And of course probate we don't have to worry about this going through your -- and going through probate process we have to do the courts and judges and all the fees. Associated with that. This is gonna Paris on tour if you beneficiary. So they're gonna receive rhetorically. Without going through that probate process. And of course if you -- if you would talk borrowing and keep their creditors and Carter goes away from their phones as well. So you no matter reports from lawsuits -- whatever the case may be you don't have to -- your -- who worry about having them attached to. You're on are qualified accounts. Those funds again are there to pass on your beneficiaries and of course the good thing there is even your beneficiaries is closed and maintain them in the accounts. Cannot be attached to either so you have. Children that don't really to secure the money that's the most important. Ways of protecting those assets. And Steve wants to help you protect your assets -- start to the phone call -- -- -- receive a free copy of Patrick Kelly's book stress free retirement coming out 804571298. That's 800. 4571298. That call will help you schedule your free one on one with Steve and his team. And start complaining for your stress free retirement and speaking at Patrick Kelly. You know he's the national best selling author on retirement he's a great friend of the show. Well you can -- end today to get a free copy of his book but also. We spoke with him and recently we've experienced some new all time highs in the market although Patrick think about these new -- I find it very interest gained that right now we find ourselves -- wise at a new high. First I wanna say this -- -- this every time I talk about the market. It's important for listeners understand this nobody not you not mean not their chairman of the Fed nobody knows where this market is going to it's important for your listeners understand that. But why I think it's so ironic that right now we're at a new high. Is because I don't think this is being fueled by fundamentals. By strengthen business matter of fact. What so -- about it is unlike normal times when markets rise. You'll find that on days when bad news he released the market goes up and on days when good news release the market goes down and the reason for that is. Everything that's driving this market has been the Fed stimulus about their government. Pumping money into the economy so bad news comes out basically the markets are saying oh my goodness. It's not recovered quite well enough yet so they're fed will continue to put money in the economy. Therefore things will continue to be strong in the markets goes up it's exactly backward. And so I think right now what's propping this up is something that is going to disappear now. First of all nothing goes up on the straight line forever we've had five and a half years of a straight line open to the right. And I know we're starting to get near peak when I hear things like this a friend of mine was talking. And after watching himself miss 2013. Huge gains. And he's a super risk averse guy is a safe money guy and he says you know I think it's time for me to jump him. And when people who are not in the market ever say it's time for me to jumpy and usually that's a point where things begin to turn so. All I know as for the folks out there listening is it better to walk away from the table in Vegas when you're up or when you're down. That's -- -- you -- so well you know how many times you heard this news and if you don't lock in those games that are really never yours. And that's the Q&A whole thing you know lock in those cans that are really not sure it's the market changes -- correction goes down in of course you're gonna have losses. You know Patrick wrote to spoke stress free retirement it's just an exceptional read it's gonna provide you with information and knowledge that you really need in. Need to understand. North Patrick is more on national bestselling author. This book that we have the means we're we're not passing out to a radio listeners -- free with no with no charge -- the truth to receive it. This book is just an exceptional read it's it is a book it's over a 130 pages long so this is not a couple page templates were concerned. It has a book is an exceptional renewed -- and he's he agreed. -- Patrick talks about the spoke how to protect your life savings against lawsuits how to create an income stream you never can -- well. -- -- receive unlimited upside came potentials who's your risk of loss just we're just talking about how do you not only get those -- but how do you maintain a and of course our -- those annual management feast your stockbroker earn your money managers. You know those are all expenses that come on your account to mature camp is your -- and you're losing money. By having those those fees they now. You're after your to your you're whether he should left in your account to build for your retirement to users you see fit. This is just an exceptional read I'm I'm sure you truly enjoy it. Give us a call 1804. Pars 71298. Call my team receptionist providing appropriate information and will make sure that you receive this book. Stress free retirement. Well when we come back we're gonna hear friend Janet Yellen and she'll be talking is now the silent. -- this safe many retirement plane Chile speedster sends you back after this. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Welcome back this is Steve's SSP and you're listening to. This save money and retirement plan and show him thanks return and on his -- weekend. You know I'm located right here in the Austin area in round rock Texas -- We're here locally so if you can hear my voice you need to give us a call at 1804571298. Take advantage of our free our pre meeting news no pressure. Come and visit with this were a few minutes in and with no obligations and come in and find out about these exceptional programs that we. In addition of that of course we if you got some questions and just need some answers. Give us a call at 1804. Pars 71298. That's 1804. Pars 7129. The new discussion questions -- -- union Tamara choose from give us a call. Again taken advantage of our free meaning. Or if you look at -- over Patrick spark our stress free retirement. Give us a call at 1800. Or -- -- 1298. You know US stocks rose on Tuesday with DS and 500 extending its longest winning run of the year. -- -- The NASDAQ Composite also made some significant gains. Said like things are looking good for the markets right now but Steve is there any truth to that old song what goes up must come -- That's the truth you know the market is -- the market goes up and a -- goes down. It never stays on an even playing there for very long period of time so. It is extremely important to make sure that when you do have those gains that you -- would take advantage of those cans and lock -- into -- count. And that's one advantage of the indexes in new -- you -- we talk about this that they have the ability. To lock in those gains. So when the -- market correction comes which you were all. You don't have to worry about market lawsuits. Says the key is who set you have to lock in those games because if you don't lock command. Did you really ever have home breast cancer is no. While addressing the economic club of New York Federal Reserve board chair Janet Yellen says the Fed is worried more about persistent unemployment then inflation exceeding 2%. -- recovery precedes it healing -- -- it's obvious that we really need to tighten monetary policy. To avoid overshooting our target thus far in the recovery. And to this day. There is little question that the economy has remained far from maximum employment. The silent retirement killers -- what we Franco who's almost immediately used what we were just talking about -- that was market corrections market crashes. But as being the biggest concern -- term planning is another risk. Which must be considered and that's due to its ability to steadily erode the value of your assets Europe here. Now of course is inflation which is the increase in the price of goods and services and commodities. Let's briefly examine our current environment for potential another period of crime pollution going forward. That of course -- the elephant is in the room movement that of course is our national debt. Which is seventeen. Trillion dollars that's seven teen. Who you know -- -- nine zeros behind big green fit it into the it used to be a billion was a lot of money but. Now it's truly it's. And of course the problem is that there's this compounds in this continued financial issues and national level with. Current and potential military activities overseas is wells who got that to contend with. And the risk of inflation of course is certainly upon us when you take all this in the consideration. In the big question now is. How can a person approaching retirement. In need of fixed income solutions. He effectively. Address the risk. Of increased inflation. Well the recommendation is something you may not expect. And that of course there's the independents accounts and investments in our work with and the companies that have been it just being. There investments. Over the years to directly. Addressed to specific needs of Americans. Who are in or near their retirement years. Q and the expected rise in inflation by many. They of course have established. He'd investments which specific we have trust the risk for you. If that -- is the exposed periods of rising inflation. In summary in the source -- So they're taken the monkey off your back and put it on the company's -- so you wanna learn more I'll be happy to meet with you give me a call. At 1800 or par 71298. And today in addition to receiving a free copy of Patrick Kelly spoke stress free retirement when you call. Peter received an additional book on Social Security not you have to do is call 804571298. Com mail to get your free books from Steve street sense key to schedule your free one on one. 804571298. And be sure to check out the web site safe money Texas dot com. Well Patrick Kelly is definitely a favorite on our show. And we recently talked to him about what do you do when you half a financial advisor but there kind of dud. One of the obstacles I've found for people doing what's best for themselves. Is this. Just burn -- internal. Desire. Not to hurt anyone's feelings. And I appreciate that that reflect I care a lot about not hurting people's feelings but I think we need to distinguish between. Hurting feelings and making a wise business decision which is what your family finances are. The opportunity to leave a legacy for generations. Them most effective way possible and so you sometimes you're gonna need to separate. That yes you know what if you move your money from a long time for a long time broker long time whoever you've been working west. They're not gonna like that because that's taking money away from them but I'll tell you why. That's okay. I'm giving you permission to do that edit OK you need to do what's best for you and those feelings if -- what if that ruins our friendship they weren't real friend to begin with they were just taking you for your money. No objections is so well and that is who -- YouTube and especially today I would think especially in the economy the way it is and everything that's going on the marketplace -- -- You do have to protect yourself -- world. And unfortunately if you are not receiving the -- great advice you need to go someone that is gonna provide divided by a -- you know. You know Patrick -- stress -- determined he talks about choosing the right advisors and what to look for. In addition to how to protect your life savings against loss and how to create an income stream you never can now live and of course are to receive unlimited upside and potential was zero risk of loss. And of course her style and those -- management -- few stockbrokers and your money managers. This is just an exceptional reason provides you with reduced in important information that you need to make sound financial decisions. To give us a call for your free copy 1800. Or -- 71298. That's 1804. Par seven. 1298. To get your free copy of stress free retirement. And we still got some wonderful things to cover on today show so stay with us when we come back we're gonna talk about those rising medical expenses. The sank many retirement planning -- Steve's percent here on talk radio thirteen seven VA EM. You -- a plan to ensure your retirement you can't count on Social Security alone -- -- -- in the save -- retirement planning -- can help start you on the right -- call 804571298. To set up a free personal consultation that's 804571298. Or -- -- money Texas dot -- for over thirty years Steve has helped clients just like you develop a focused plan that insures your retirement with a stable income for the rest of your -- the stock market does not offer safety but insurance does call 804571298. To learn how to participate in the market without risk and enjoyed guaranteed growth. Steve takes pride in educating you about your financial options for retirement enabling you to make informed decisions about your retirement savings as one of the top financial advisors in Texas Steve's -- says he can help you with 401K rollovers life insurance and wealth transfer and long term care call today 804571298. Or visit save money Texas dot com for a free personal consultation. It's just needs to assess field. Me -- news this morning the comic -- show. Think the tournament on this glorious weekend. And I'm located right here in the road truck there and beaten in the Austin area should say in round rock Texas and -- now and program administration as a template for over thirty years you know -- been on. Thirteen 70 AM on this -- talk radio for over five years. So you who were right here in the local learn who were convenient or easy to get to. And -- discussion questions just productive -- give us a call 1804. Pars 71298. Be happy to call you back personally and answer those questions or you'll. Or take advantage of our free meeting that there are no cost to you know pressure. -- chair -- at home this coming in my office or I'll come to use your place of business whichever warrants. And from there and we can discuss your situation. And make sure that you're doing what's best for you. And that can happen by calling 1800. Or par 71298. And don't forget to take advantage over pre book offer with Patrick Carroll is the author of stress free retirement. -- -- -- -- We use the appropriate information -- call you back personally and make sure you received that book. By calling 1804471298. And of course your website is safe money Texas dot com say money Texas is all turn out. -- Steve -- on the air week after week helping people plan for their retirement. But people. They know you well know you've got a great big heart you've got kids you've got agreeing kids. You've got children. That have served and served in our military. I just want people to know how grateful I am for all that you do for us. You aren't big fans of Dave Ramsey's workshops. You're all about educating your clients and aside that's a soft spot with me because. So many people just go on the radio and you know just -- share and keep it very you know. One dimensional but they're so much substance and care behind what you do and I mean I just I appreciate it. Most important thing of course -- radio listeners has become educated. And all the different options that are available out there. Then number SuSE monetize through we're not. Just all about or from one product and that's it -- what we try to do is doing everything that we can do for clients. Our radio listeners dispersed through in the come and really we can do is marchers littlest they would like whether -- -- some sound investment advice or if they needed a -- a state spending package. We can help with any part of it all that are some of it so I suggest your radio listeners that they give us a call -- Take a few minutes and come in in and visit with us and give us 1015 minutes from time pickup order to free books would be happy to give that to you and we're scenario is is that you come -- you make a friend and get a free book so that can happen -- call 804 -- 71298. And speaking of free bug Patrick Kelly dear friend of the safe money retirement planning show. We recently asked him about in and the benefits of planning for retirement. The new book stress free retirement is really a message primarily not exclusively but primarily. For individuals. Who have already saved most or all of their retirement dollars and the reason entitled stress -- retirement I think it's important six. No one can guarantee something to be stress free because stress can come from a lot of different angles -- come. From you know -- 37 year old son -- is living in your basement played Xbox all they wanna what he's gonna do with his life. Two on number of things but I know one of the things that stresses people out. Is a losing money. There right now on the economy we live in a time and a period of great volatility. The stock market one day it as we saw just recently you know it's a big one day and up down the next day and that's happened for years. I think that volatility. For retirees. Is frightening. They are tired of warning is that money going to be up today. Or downton is that a rare today is a degree narrowed -- And so what they do talk about this new book is there is a way. For individuals. To be able to put their money somewhere that they can know a few things for certain number one it's gonna grow. Number two they're never gonna lose a profits they may number three they're never gonna lose principle it's a way to put money away safely. Where they're guaranteed never to lose and I think that by itself. Talk about going a long way to helping an individual how the stress free retirement. To know they can wake up in the morning they can put their head in the pillow at night and know that never ever under any circumstances. Are they going to lose that principle. That is a great thing for them to be able to understand and so. It's not only that the -- people can do that right now today and in things like CDs and other savings accounts but they're getting interest rate that is so small. That actually they are losing money they're losing money by things like inflation. Just not growing their money faster but what we're talking about my book is having the safety but still not giving up growth and that does not only. Stress free in some respects but it's pretty exciting. It is exciting and Steve people need to sit damage do you mean Indians have a cup of coffee hot -- com. Now 804571298. Teacher free blow -- And setup your free one on one with Steve stress SD Steve thank you for an incredible showed today your final thoughts are. Carlos has been a great show and this thing that are -- listeners should do was give us a call 180457129. The united we have received. -- weekend.