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Welcome to roadmap to retirement, the radio show with David Bezar, Karen Bezar and Bret Elam from Thrive financial services. Saving for retirement is a great start. But it’s what you do with this money that really matters. What’s your strategy to reduce taxes, generate income in retirement, reduce your risk and get even more money from Social Security. This is where you can count on straightforward and objective advice about how you can potentially make your money go further and retirement. This is roadmap to retirement the radio show. Now here are your hosts, David Karen and Bret along with Joe Kraus.

 

Joe Krause 

Welcome everyone to another edition of roadmap to retirement the Radio Show with David Bezar and Bret Elam an alert for our listening audience today. There are there is a large menu of workshops that are scheduled in the upcoming week. From this show, large to the point that there are six different opportunities that are listed. So you’re going to have choices, but you’re going to have to go to thrive financial services.com. David to get registered, because I noticed in our pre show before we started, two of the events are already reached the wait list status, so get to thrive financial services.com, you’ll hear those locations throughout the broadcast today as we go into the commercial breaks. Good

 

David Bezar 

morning, everybody. Joe, just on that note, and I’ll cover this in the last segment, I’m going to talk a little bit about how folks that are listening to us can consume some additional comparable content to what we do in person seminars, we do webinars, and we have some online courses now and things of that sort. But because of the attendance that we’re actually experiencing, what we’ve decided to do, which, you know, at my age, you know, 61, almost 61 years old, I didn’t think I’d be working this hard still, but you know, hey, listen, we got to serve, we got to do what we need to do, we now are going to accommodate on a virtual basis appointments, will also going to be accommodating on evening and Saturday appointments. We’ve just seen such a demand that we can’t get it accomplished just during the week. So with all the offices that we’ve opened up, and the different locations, different places that we’re doing these workshops, and again, just the the demand to come in for these complimentary consultations that we do, we’re going to we’re going to have some evening hours for the advisors as well as Saturdays in some of the local offices. And you know, people can also do these appointments from the comfort of their own home. That’s the other part if you’re you know, a little computer savvy and can hop on a video call, we could do the appointments and makes it a whole lot easier to

 

Joe Krause 

sell. And I thought you had pointed something out really specific in last week’s broadcast, thrive as a boutique firm. And I think that’s super important for perhaps somebody that’s just tuning in today, for the first time to understand that it’s 360 degrees of your retirement specific to you. Which is amazing. It’s a

 

David Bezar 

big deal. And again, from a scale size, you know, we’re not too big, where you don’t get the personal attention. We’re not too small, where, you know, the one or two person financial planning shop is just, you know, they’re just, they don’t have enough capacity, right? They don’t have the capital, they don’t have the capacity to do the things that the big firms do. They give you great personal attention when they can, but if they have too many clients right there, you’re gonna suffer there were the big firms. You’re just a number it doesn’t really. So we kind of fit right there. That Boutique is kind of in the middle. We’re not too big. We’re not too small. We’re just the right size for the people that we serve. And, you know, we’re excited about continuing doing that. It’s been a great kickoff for the year so far. Yeah, we got a lot of great information out there. So let’s jump into today’s show. And one of the things I’m seeing advertised a lot and because the age I’m at I get, you know from other financial planning firms, I get the direct mail I see on Facebook, the ads, Social Security workshops are coming back, right, I guess people are really curious about how Social Security works. So today’s show, we’re going to talk about to delay or not to delay navigating Social Security timing for optimal retirement. So understanding the impact of taking Social Security early versus delaying the benefits and how it impacts your overall retirement plan. So when it comes to deciding when to start taking Social Security retirement benefits, it is vital to have Remember that everyone’s situation is very distinct. Your financial circumstances, your health, family matters, and retirement dreams all play a critical role in how you shape the decision. There’s really no universal answer or any one size fits all strategy that works for everyone. Now, many believe that delaying benefits is the key to maximizing Social Security. What I would tell you is this isn’t the only way to optimize what you receive. your specific situation might mean that early claiming coordinating spousal benefits, understanding tax implications, where other strategies are actually more appropriate for you. And that’s a lot of the analysis that we do here at thrive. So as we go through the show, I would like you to think about these 10 thought provoking questions that I’ll tie into today’s show. Number one, what are the long term financial impacts of claiming Social Security benefits before reaching fra full retirement age versus waiting until after that? Number two, how might your personal health and family medical history influence your decision to take Social Security benefits early or delay them? Number three, how do current market conditions and economic uncertainties affect your strategy for claiming Social Security benefits? Number four, in what ways can your decision about when to start Social Security benefits will impact your spouse’s financial future, especially in terms of survivor benefits? And number five, how does the prospect of living longer than average, alter the way you should be thinking about the timing of taking your Social Security benefits?

 

Bret Elam 

Yeah, number six, you want to be thinking about as we go through today’s show is how can you balance the immediate need for income if you’re unemployed or underemployed late in your career, with the long term benefits of delaying Social Security? Number seven is how might your other retirement income sources and savings influence your decision when to claim Social Security? Next question I want you thinking about as we go through today’s show is what are the tax implications of claiming Social Security early versus delayed? And how can understanding this impact your overall retirement strategy? Next one we’re going to talk about the big one is how do you how to cost a living adjustments which we’ll talk about a little bit play into your decision making process when starting to take Social Security benefits. And question number 10 that we want to think about as we go through today’s show is in what ways might your Social Security claiming strategy change if you’re if you’re considering early retirement versus working well into your traditional retirement years. So good morning, you’re listening to roadmap to retirement. And again, today’s show is all things related to social security, to delay or not to delay. And Social Security again, can be so complicated, that it’s easy to see why so many people make mistakes that can result in collecting far less and benefits than you might have otherwise been better. If you would have been better informed. You can’t necessarily blame people for being confused. Listen to this one. The official Social Security handbook contains literally 1000s and 1000s of rules relating to these benefits. And the operations manual that explains these rules ready for this has over 20,000 pages. And as a result, far too many people base their social security planning on information or assumptions that are just simply wrong. And in today’s show, we’re going to attempt to cut through the clutter and get right to what are the things that absolutely matter. So if you’re not sure the best way to optimize your Social Security benefits, again, you can text us at 215-798-9088. I want you to text the word offer, O FF, e are 221-579-8908 A and we’re more than happy to schedule that complimentary session to really dig deep into the social security because it is going to serve as your foundation for retirement. And again, if there was one single strategy, perfect for your situation and circumstance that could significantly increase your total Social Security lifetime benefits. When would you want to know about it? You could wait and possibly find out after it’s too late to take advantage. Or you could reach out to us right now. At 215-798-9088. You can text the word offer so that we can help you sift through all the options and find the one that’s right for you. The answer.

 

Joe Krause 

Back here on roadmap to retirement the radio show thank you so much for tuning in and listening to the show. When you see a headline you must take Social Security now. Before you react to that headline. Read listen to this show. You got to be educated on the details. And

 

David Bezar 

just want to comment real quick too on that offer that Bret made that if you text the word offer to 215798 90, Ada, rather than just our complimentary consultation, what we’ll provide you if you’ll share just a little bit of information with us. And since we’re talking about Social Security, we actually have a software that will do the math in calculating what’s the optimal benefit for you to get that it’s got a seven or eight page output report that goes through the math, it builds a ledger sheet, it does all the analysis, if you happen to be married, it’s going to tell you when your spouse should start it. And it’s not like just the year it’s actually what month what day, year. If, you know, if you’re not married, then it’ll it’ll calculate it out on an individual basis. So let’s talk about, you know, some of the things you need to know about Social Security. Let’s talk about full retirement age. Now, as a financial advisor who helps guide folks into retirement, I often meet people at different crossroads when it comes to their Social Security benefits. Some of the people we meet with are already collecting their checks, while others are still pondering and trying to figure out you know, I heard this from my friend, I heard that from my other financial advisor. I heard this from my banker, you know, people get a lot of confusing information out there. And it seems like everyone has their own take their own strategy. But you know, jumping in early for some quick cash or holding off for a bigger pay down the line is really the question like, how do I get the most money out of it. Now, full retirement age, Fra, which is the acronym for it, is the age at which you’re eligible to receive your full social security retirement benefits. And typically, that number is between age 66 and 67. For most people that we visit with, you can actually start taking these benefits as early as age 62. If you do choose to take them before your full retirement age, you’ll actually face a penalty in the form of a reduced monthly benefit. This reduction is to account for the longer period that you’re actually going to be receiving those benefits. Now, in the opposite, if you wait to take your benefits after reaching your full retirement age, you’re actually going to receive a credit meaning that your monthly benefit will actually be a bigger number, it’ll be in an increased number. This increase continues up until you turn age 70. So while you can start receiving your benefits at age 62, waiting until full retirement age can actually significantly boost the amount that you receive each and every month. Now I think it’s important to chat about the popular reasons, many folks decide to start taking their benefits when they actually do. We’ll take a close look at these reasons breaking down, you know how much they actually stack up in the real world. By getting into the nitty gritty of the motivations. My aim, Bret’s aim is to help you figure out through a social security strategy, the one that really fits your personal and financial retirement plans. The easiest way to do that is just text the word offer to 215-798-9088, you’ll have to have a conversation with one of our advisors, they’re going to ask you for your date of birth, they’re going to ask you just a few questions relate, we need some input to figure out benefit, you should probably have your Social Security statements available. We could do it over the telephone, we’ll produce the report, and then we’ll schedule a video call to present it to you and kind of explain it and then answer any questions that you have. I think, you know, there’s nothing easier than doing that if you’ve got a curiosity about Social Security information,

 

Joe Krause 

the the information, pardon the pun is rich. It’s important information,

 

Bret Elam 

no doubt. Yeah, absolutely. And again on today’s show, to delay or not to delay navigating Social Security timing. And you know, in previous shows over the last six and a half years that we’ve been on the air, we’ve touched on Social Security. But I think what I love about today’s show, it’s all about Social Security. We started doing workshops almost nine years ago, and exclusively that topic was all about Social Security. But while Social Security Administration has tried to simplify how Social Security benefits works, there are still 1000s and 1000s of rules and 20,000 pages of the operations manual. And know that the Social Security Administration in their operators book, it says please do not give advice to people give them enough information to simply make an informed decision. So while today’s show we’re going to be talking about the emotional side versus the rational side as it comes to social security is that it’s important because how can you navigate all these pieces? For example, you have people that are in this industry just as recent as yesterday is as David and I continue to build our team here at thrive again, we’re Goldilocks, not too small, not too big. But we rely we rely on our team to in sure that we are advocates for our clients. And we simply had a guy come in yesterday from an interview standpoint, and got all tongue twisted related to social security. And what we find is, so many advisors get tongue twisted as relates to social security, because it’s complex. And what you find is so many people are only ever talking about the investments, stocks, bonds, mutual funds, annuities, the importance of that social security piece, representing 65%, on average, of the income necessary in retirement, for the average household, we just don’t want to wing it. But because the government has made this so complex, many of us do. So we’re going to dig in and start talking about some of the reasons maybe why to start early. Maybe Why to delay. And some of them may be rational, some of them may be emotional. So very first one talking about is starting benefits early, simply because you retired early. So some individuals for years have planned for an early retirement, envisioning a period of life dedicated to those personal pursuits of travel relaxation away from the workforce. For these people, taking Social Security benefits before full retirement age, is part of a calculated decision to fund their desired lifestyle. Now, one thing that is probably the most scarce commodity that any of us have is time. And when we enter into retirement, the years that we have the physical health, to enjoy other activities, and travel and all those things, it goes fast, we talk about it, we’re in the middle of the gogo years before it becomes slow go. So maybe we want a little bit more money upfront. But where should that money come from? So because of this, I understand the reason for starting may be a smaller benefit early. But David shared it a little bit ago. But in our opinion, the key is that this should only be done after careful financial planning to ensure that the reduced benefits will place you in jeopardy for your financial future. Later in life, again, we need to be making a rational decision. And again, the encouragement is to text the word offer o FFE. Are you want to text the word offered at 215-798-9088? You just simply provide us a little bit of information. It’s a phenomenal eight page report, which can give you the initial roadmap of exactly when should we be doing what and where and how much those benefits will inevitably be. So again, reason number one starting benefits early, maybe because of early retirement. Yeah,

 

David Bezar 

this has got to be the easiest thing for people to take action on. Like, again, Social Security really confusing. I’m sure we’ll probably say that somewhere out through the show. But there’s 567 different election choices, timing, election choices, and Social Security. Picking the right one can give you over a six figure additional benefit. So if you took 15 minutes with us, gave us some information, we’ll ask a few questions related to what you want to have accomplished. We’ll go run this report. And then we’ll spend a half hour with you go through page by page and tell you this is the best now that you might ask, Well, what’s it going to do to my taxes? Maybe that expands the conversation a little bit. You may ask, you know, I’m not in great health, maybe that’s going to there’s a lot of things that will help with the decision. It’s not just the thing that you should just do haphazardly. And

 

Joe Krause 

David, just for clarity. Once you fire and take Social Security, you live with that decision.

 

David Bezar 

There’s there’s one exception to that, Joe, The one exception is you’ve got one year to change your mind. 12 months. Yeah, right. And then you got to pay back what you talk. And you could start over somewhere, you know, different timing wise. But why make that mistake, it’s just easier to get started with the right decision. So another reason that people you know, one of the things that causes people to take Social Security, some people actually think about delaying benefits, because they want that increased lifetime payout. And that’s really one of the most compelling financial arguments for delaying Social Security past full retirement age, it’s that you’re gonna receive a substantial increase in monthly benefits. And that accrues with each year of delay all the way up to age 70. This increase is a permanent injury adjustment, resulting in a significantly higher monthly income for the individuals the rest of their lives. Now, the challenge is that while you’re choosing to delay, the Social Security benefit, will this cause month even though it’s going to cause the checks to be larger checks, you’re going to get them for fewer years. So again, that’s a calculation right? Life expectancy, health, all that comes into play. Now people trying to decide the value of delaying the start of benefits might turn to a method no and we see this all the time people come in with their spreadsheets, then they’re looking for that break even analysis. Now, because people don’t know all the rules, and they only keep they look at it more linear than they look at it multi-dimensional Because we got to look at all the conditions. The breakeven analysis that most people do is the most simple form of analysis, what we do is pretty complex, in the sense that the analysis is complex. When we deliver to we really simplify and it becomes an obvious answer which way you should go. So, you know, running that break, even analysis is essentially a financial calculation used to determine the age at which the total amount you’re going to receive from Social Security by delaying your benefits, it’s going to calculate what that additional benefit, the reason to do it. So what I would say again, and hopefully this is making sense to folks, is the easiest thing is to text the word offer, O F, F, E R to 215798 90, Ada. And then one of our folks on our team will reach out to you schedule a 15 minute conversation, get some data, we’ll go to work, run the report, we’ll schedule a second meeting that may take 30 minutes total, no obligation to do business with us. And we’ll show you what’s the best way we’ll get all those answers all that curiosity.

 

Joe Krause 

And welcome back everyone to this edition of roadmap to retirement, the radio show with David Bezar, and Bret Elam, the COC the topic of conversation for the full hour today, Social Security, Bret over to you. And that’s

 

Bret Elam 

to delay or not to, to let to delay apartment. So on today’s show, we’ve been talking about all the different reasons that maybe rationally or emotionally we maybe want to start early or maybe delay. We talked about people maybe retiring early, we talked about the importance of increasing lifetime payouts and a reason why you may want to delay retirement. And then we talked about what happens if you’re not healthy. Again, maybe that might be a reason to start benefits early. And then David spoke about the importance of caring about that surviving spouse, and how do we ensure that we’re maximizing spousal benefits as it relates to social security. And again, our encouragement today is if you would text the word offer to 215798908, again, offer 215-798-9088 We’re more than happy to have a conversation with you in figuring out the important foundation of your income in retirement of what makes the most sense as relates to social security. So again, text the word offered at 215-798-9088. So the next one we’re going to talk about is maybe a reason to start benefits early, is because you want to avoid depleting your other savings, a lot of people while we’re working, you don’t mind spending your paycheck because you work for it. But now all of a sudden you transition into retirement. And I No, no, no, I don’t want to touch my money. I’ll touch Social Security’s money. Let me start my benefits early. So some of you that decision to take Social Security benefits, that’s a strategic move to preserve savings and investments for lit for later in retirement, or for maybe some other purpose such as inheritance planning. But by using Social Security as the primary income source early on, retirees can avoid or minimize withdrawals from those personal savings, IRAs 401 Ks, again, allowing those funds more time to grow, or to be reserved for future expenses, emergency, and maybe health care or legacy intentions. Now, again, this approach is particularly appealing when other investments have the potential for growth, or when individuals want to keep these assets liquid for other reasons. However, it requires a careful assessment of the potential long term growth of these and other assets compared to the increased social security benefits that could be obtained by delaying, please understand it’s essentially 8% per year, every year that we’re delaying, but it actually moves each and every month, almost two thirds of 1% every month that we continue to delay, but we need to remember a word of caution is due here as well. Perhaps the greatest strength of Social Security retirement benefits, is that it provides lifetime income that is on autopilot. And unlike your investments, you may not need to make any investment decisions, or have to manage a portfolio in order to receive your benefits. All you simply have to do is be alive. Each month you’re alive, that check just shows up. This is something important to keep in mind, no matter how optimistic you are about the future of your investments. What will that performance be? And when we consider this year will now be the fourth year in a row and this hasn’t happened in 17 years. that Social Security is due to go up by greater than 2% hasn’t happened since 2005 through 2008. But now from 2022 to 2025, we’re now expecting the fourth year in a row, that your inflation benefits actually go up. Within we pardon me, your Social Security benefits also go up with inflation. Another key point that we simply cannot win Social Security benefits.

 

David Bezar 

Now, this next one is where most consumers as well as financial advisors, short should fall short of trying to figure out whether to delay or not. So the topic is tax planning. Right? When people are thinking about Social Security, typically, tax planning doesn’t come into the equation. When you ask typical financial advisors when you’re talking about Social Security and bring up tax planning. There’s no sink there. That’s like, well, I don’t I don’t know why you’re asking me. I mean, that’s kind of what comes about. But for individuals with a mix of income sources in retirement, the timing of Social Security benefits can actually have a pretty significant tax implication, Social Security benefits may be taxed, depending on your overall income level, including the withdrawals from retirement accounts, like your IRAs, or 401. K’s, the interest you earn on anything, you know, CDs, money, market accounts, interest, all that dividends, and capital gains. Now, by delaying Social Security benefits, individuals can potentially minimize their tax burden in the years before they begin taking their benefits, right, Joe? Because if you are taking Social Security benefits, and then you’re taking distributions, and you made money in the market, and you’re earning interest on your CDs, now, much more of your Social Security benefit could end up being taxed, because then you could end up paying total more tax, because now all those income sources are hitting at the same time. So by delaying Social Security, and keeping that off your tax return temporarily, as long as it doesn’t impact your life, meaning you can still meet your expenses and everything else. That’d be a big reason to start considering the taxation, when you’re thinking about when should I start my Social Security benefit?

 

Joe Krause 

And would that affect your Medicare? No? Well,

 

David Bezar 

it could. Sure.

 

Joe Krause 

I mean, it doesn’t affect they’re not tied together, but they are because if it’s more income, it affects your Medicare. Yeah. And

 

David Bezar 

again, that’s a whole nother show. We went on to earn the charges and all of that. And there’s no, there’s just a lot of moving puzzle pieces in the game. And I think people lose sight of that. And I really hope, like, this is a time, right. We’ve got we got geopolitical issues. The country is crazy right now, we got a presidential election coming up. I mean, there’s so many things happening, that this type of important decision making can get lost in the soup. And this is gonna impact you for the rest of your life. So taking a breath, meeting up with a firm like ours that’s very education based. getting your questions answered, having us ask you questions you may not know you needed to have answers to getting that conversation going. The only thing could happen out of it is you get certainty about the situation versus complete uncertainty. Yeah, like it boggles my mind sometimes is why people wouldn’t take advantage of that, especially if it’s on a zero cost obligation, because zero cost obligation. I know people don’t believe that’s why they don’t do it. But there are so many people come to our office, and we get done the presentation. And they’re like looking at us and we go, they’re like, whoa, what’s the next step? What do you want the next step to be? Well, how do we do business with you? Well, that’s your neck. There you go, we will never ask you to do business with

 

Joe Krause 

I’ve always found that you guys have known this, I’ve always found that to be one of the most true examples of who you are the very fact that you do not ask anyone to do business for what you’ve provided. In a world where that is never occurs. It happened to thrive. It’s amazing.

 

David Bezar 

It’s just our business model. And it’s worked for us. And fortunate, we don’t have to ask I mean, people like you do good by people, and people do good by you. And that’s what happens.

 

Bret Elam 

It’s interesting when David just talking about tax planning there, and you remember, the goal is to balance the tax implication across the years to minimize the total taxes paid over time. But when you think about it with Social Security, the strategy requires a nuanced understanding of the tax laws. Again, we can’t just silo these things. It’s the importance of working with somebody that knows what’s going on. Again, your plan may not necessarily be wrong, but what we find over and over and over again, the plans incomplete. And again, on today’s show, we’re talking about to delay or not to delay navigating Social Security timing for optimal retirement. We talked about all the reasons that you may want to start benefits early. Maybe you retired early, maybe there’s health care concerns, maybe you don’t want to delay. You want to delay not touching your money. And we talked about maybe reasons that you may want to delay your benefits, like tax planning, maximizing spousal benefits. And to be honest with you, we could probably do another hour, just talking about Social Security. So again, it’s important to underscore the inherent uniqueness of every individual’s financial situation, health status, family circumstances, and most important your retirement goals. These factors collectively contribute to making a Social Security claiming decision. A highly personal one, there’s no universal one size fits all strategy for optimizing Social Security benefits, what works best for one person may not be an ideal approach for another. And recognizing this diversity is key to making informed and beneficial decisions about when to begin claiming Social Security benefits. And again, while it’s often suggested that delaying benefits will maximize your monthly payout, it’s not necessarily the most optimal choice for you. And again, depending upon your specific circumstances, other strategies might be more aligned with your financial goals and needs. And indeed, there are multiple ways to potentially increase what you receive from Social Security over your lifetime. Whether it’s through early claiming spousal benefits, coordination, understanding the tax implications or other tactics, the best choice depends on a comprehensive understanding of your unique situation. Folks

 

David Bezar 

look, given the complexity and the importance of this decision, seeking the guidance of a knowledgeable financial adviser who’s a fiduciary can be very, very paramount. A professional can provide personalized advice that considers all the aspects of your life and finances, helping you navigate all the rules, all the strategies that are associated with Social Security. A professional can help you avoid the common pitfalls, and ensure that you’re actually maximizing your benefits in the context of your personal overall financial plan. Not making a decision, like Bret said earlier in a silo, I’m going to make a standalone decision on my Social Security. I’m going to make standalone decisions on my tax plan, my insurance, my investments, right? If they don’t sync up properly. It’s like a house that’s built on a weak foundation. It’s just going to ultimately collapse and putting out the years and years of effort. Why would you want to have that happen? So the best thing that you could do, in our opinion, is just text the word offer 221579 870 Ada. And what we’ll do is somebody on our team will help you get on our calendar. And yeah, sorry, I made a mistake there, Joe. I said 7088. And it’s 9088.

 

Bret Elam 

Yes, sir. That’s all right.

 

Joe Krause 

You’re 61 going on? 50 you’re allowed to do. Stuff Prevage ravage. My question is, does Prevage in actually work? It’s very expensive on the open market. I have no idea. David, that bottle of prejudging is 90 bucks. Are you kidding me? That’s $90 Does it work? I don’t know the answer to that. But that I’ve always wondered. I’ve always questioned what the

 

David Bezar 

is it an over the

 

Bret Elam 

counter? Is it a prescription? It’s an over the counter definitely doesn’t help with handwriting.

 

David Bezar 

Yeah. Anyway, finish up I didn’t mean to 15798 9088 is the number of text the word offer will schedule that Social Security Maximization report for you. And

 

Joe Krause 

let me say this as we close the show on roadmap to retirement, the radio show with David Bezar. And Bret Elam, I don’t work for thrive. But I will tell you that I have stood and been part of this radio program since the very beginning. And I’m here because of what you do. You guys help people and you educate people. I think that is just beyond what you are supposed to do in life. So well done by you. That’s gonna do it for this edition of roadmap to retirement, the radio show on behalf of David pazar and Bret Elam. I’m Joe Kraus. See at the workshop everyone.

 

 

Thanks for listening to roadmap to retirement, the radio show from Thrive financial services. If you’re like most Americans, you have more questions than you do answers about what to do with your retirement savings. If you have a question about your IRA or your 401 K pension or other tax deferred accounts, if you have a question about reducing taxes, generating income or filing for Social Security, whatever it is, David Karen and Bret are here to help. Often your questions can be answered in a simple phone call. Just call 215-798-9088 That’s 215-798-9088 No statements made during roadmap to retirement the radio show shall constitute tax, legal or accounting advice. You should consult with your own legal or tax professional on any such matters. information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities investments or investment strategies. investments involve risks and unless otherwise stated are not guaranteed. Be sure to first consult with a qualified financial adviser and or tax professional before implementing any strategy discussed here. David Bezar Bret Elam and Karen Bezar, thrive financial services and thrive Capital Management are licensed to offer investment advisory services through Thrive Capital Management LLC an SEC registered investment advisory firm office headquarters is in Fort Washington and offices of convenience used exclusively for client meetings are an excellent Yardley Cherry Hill and Hamilton registration as an investment advisor does not imply any level of skill or training. Today’s program has been pre recorded. Nothing in this advertisement is intended to give you specific tax or investment advice, consult your own tax or financial advisor vest