Radio Show

Safe Money Strategies™️

Saturday from 9 to 10 a.m.

Our Safe Money Strategies™ radio program has been broadcast since 2006.

Today’s show carries on the tradition of the late Bill Kelly. Since late 2017, the show features two hosts, Boston journalist John Budris, and Kelly Financial co-founder Kelly Kelly. As always, it showcases eclectic guests and engaging conversation in a magazine-style format.

Tune in to WRKO 680-AM (you can always stream on wrko.iheart.com and have your virtual assistant play WRKO Boston) every Saturday beginning at 9am.

Still original and still going!

Click on the links below to listen to our past shows and rewind the experience.

Kelly Financial Services, LLC, sponsors “The Kuhner Report” heard every weekday from 6 a.m. to 10 a.m. on WRKO.

 

Click the links below to listen to past radio shows:

April 04, 2026: Family, Responsibility, and Finding Perspective in Uncertain Times | Forever Young: Kelly and William Jr. share a lighthearted Easter conversation filled with family stories, laughter, and meaningful moments. The discussion turns real as William opens up about navigating a challenging group project highlighting responsibility, leadership, and doing the right thing even when others fall short. It’s a relatable reminder that growth often comes through everyday challenges. • Mike Doucette and Greg Workman break down how to stress test your retirement paycheck, focusing on strategies designed to help hold up through market volatility, inflation, and life’s unexpected turns. • Madeline Kelly and Greg Murray take a closer look at how global events influence the markets, and why staying grounded in a long-term plan is key to navigating uncertainty. • Kelly and William return; they discuss how structuring income, not just building savings can help create a steadier and more confident retirement. • The hour closes with a powerful reflection from Bill Kelly, reminding us that even in uncertain moments, a path forward always exists.

March 28th, 2026: Simple Moments, Meaningful Planning | Forever Young: Kelly and William Jr. open the show with a relaxed, conversational look at life’s everyday moments from college finals and reconnecting with old routines to celebrating family milestones. It’s a reminder that even in busy seasons, simple things keep us grounded. • Mike Doucette and Greg Workman break down how to turn savings into a reliable retirement paycheck and the key decisions that can help your income last. Madeline Kelly and Greg Murray share thoughtful insight on five important financial decisions and how planning ahead can shape your future. Kelly and William return to discuss why retirement can look different for women and steps to feel more prepared and in control. The hour closes with Bill Kelly reflecting on his paper route and the early lessons in responsibility that helped shape his life.

March 21st, 2026: Spring Break, Family Reflections & Your Financial Future | Forever Young: Kelly and William Jr. open the show on family, reflection, and the changing seasons of life, as William returns home from college for spring break. The discussion touches on the importance of rest, recharging, and appreciating time with loved ones, along with light reflections on St. Patrick’s Day and the simple joy of being together. They then share a deeply meaningful milestone: the 65th wedding anniversary of Kelly’s parents, reflecting on family traditions, lasting values, and the enduring impact of love across generations. • As the show continues, Mike Doucette and Greg Workman discuss the three stages of retirement and how thoughtful planning brings clarity to each phase. • Mary Madeline Kelly and Greg Murray highlight the importance of “financial spring cleaning,” taking time to revisit your plan and make adjustments where needed. • Kelly and William return to explore how falling interest rates may influence retirement decisions. • The hour closes with a special reflection from Bill Kelly, bringing us back to Bailey Brook Farm and the simple moments that shape a meaningful life.

March 14th, 2026: Discipline, Financial Harmony, and Planning for What Matters Most | Forever Young: Kelly and William Jr. open the show with their Forever Young conversation about discipline and persistence. From college midterms to fitness goals and tracking nutrition, they talk about how small daily habits shape long-term outcomes—a lesson that applies as much to financial planning as it does to health • Mike Doucette and Greg Workman then discuss why the investment strategies that help grow your money during your working years may need to evolve once retirement begins, and how thoughtful planning can help investors navigate that transition. • Next, Mary Madeline Kelly and Greg Murray explore financial harmony, explaining why retirement plans work best when the different parts of your financial life are designed to work together. • Later, Kelly and William talk about how retirees can protect their lifestyle and income even as tax laws and policies continue to change. • The program closes with a touching Wit and Wisdom reflection from Bill Kelly, reminding listeners that good planning isn’t just about numbers — it’s about people, relationships, and making the most of the time we’re given.

March 7th, 2026: Planning for Tomorrow While Living Well Today. | Forever Young: Kelly and William step away from the headlines for a real conversation about life, learning, and perseverance. William shares the ups and downs of his week at Bryant University, including an encouraging moment in his creative writing class. His professor praised William’s rhetorical analysis of Dr. Martin Luther King Jr.’s Letter from Birmingham Jail and even asked permission to use his work as an example for future students. • Mike Doucette and Greg Workman then break down hidden tax traps that can quietly impact retirees and the planning strategies designed to help families stay ahead of them. • Next, Mary Madeline Kelly and Greg Murray explore an important question many savers overlook: how to responsibly prepare for the future while still allowing yourself to enjoy the life you’ve worked so hard to build. • Kelly and William return to introduce a growing retirement trend known as the “gray digital nomad,” and what it could mean for retirees seeking flexibility, travel, and new experiences in the next chapter of life. • The show closes with Wit and Wisdom from Bill Kelly, where Bill brings listeners back to the fundamentals, explaining what a stock truly represents, how markets really function, and why understanding long-term value can help steady your thinking when emotions and headlines begin to move prices.

February 28th 2026: Record Snow, Real Life, and Resetting the Plan. | Forever Young: Kelly and William opened the hour virtually during the record-breaking Blizzard of ’26. William shared what it was like navigating Bryant University’s last-minute snow decisions, slipping through “mashed potato” campus walkways, and adjusting to remote broadcasting. He also reflected on presenting his entrepreneurial venture at an upcoming student showcase, exploring mentorship, and considering fraternity life. Not every moment was a win including a challenging economics exam but resilience and recalibration became the week’s real themes. • Mike Doucette and Greg Workman broke down the retirement tax trap, explaining how RMDs, Social Security taxation, Medicare premiums, and the widow’s penalty can quietly increase taxes and how proactive bracket management and coordinated planning may help. • Mary Madeline Kelly and Greg Murray discussed why even strong financial plans can drift and how steady habits help reset the course. • When Kelly and William returned, they explored how AI, telehealth, and shifting Medicare rules are reshaping long-term care conversations and why preparation, not panic, matters most. • The hour closed with Bill Kelly reflecting on presence, perspective, and steady progress toward greater calm and confidence.

February 21st 2026: Discipline Builds Strength In Your Health and Your Financial Plan. | Forever Young: Kelly and William opened the hour with a powerful conversation about strength, how real progress begins wherever you are, and how consistency in training, nutrition, and hydration builds long-term resilience. • Mike Doucette and Greg Workman followed with insight on market discipline, reminding listeners that staying focused on long-term retirement strategy, not short-term headlines is what keeps a financial plan strong. • Mary Madeline Kelly and Greg Murray then discussed the importance of structure and alignment, from portfolio positioning to making sure your accounts and planning details are properly coordinated. • When Kelly and William returned, they shifted the focus to tax strategy as part of overall retirement planning, explaining that understanding how income is taxed, and coordinating it thoughtfully, can make a meaningful difference over time. • We closed with Bill Kelly’s enduring wisdom on steady effort, strong values, and doing the work that truly lasts.

February 14th 2026: Growing Up & Planning with Purpose | Forever Young: reflected on Valentine’s Day, William turning 20, and the realities of college life. William shared updates on upcoming exams and a major economics competition focused on renewable energy, along with the leadership lessons that come from stepping up in group projects. They also discussed the continued response to Only the Good Invest Young and how it’s helping families spark meaningful financial conversations across generations. • Mike Doucette and Greg Workman explained how turning savings into a structured retirement paycheck can help bring clarity and consistency to income planning. • Mary Madeline Kelly and Greg Murray explored the difference between wealth on paper and real-life confidence, emphasizing preparation and thoughtful strategy. • When Kelly and William returned, they highlighted the importance of building strong financial habits early. • The hour closed with timeless wisdom from Bill Kelly, reminding us that discipline and responsibility remain the foundation of long-term security.

February 7th 2026: Life Updates, Family Moments, and Finding Your Strength | Forever Young: Kelly sits down with her son, William Kelly Jr. for a relaxed, honest conversation about life, family, and the moments that remind us what matters most. They talk about William’s transition to a new college roommate, football season, the Super Bowl, and how family traditions and shared experiences resurface at meaningful moments. They also touch on everyday growing pains, including William’s first college parking ticket, learning lessons the hard way, and balancing independence with responsibility. Kelly and William reflect on health, routines, and the discipline required to stay grounded during busy seasons. • Mike Doucette and Greg Workman weigh in with practical financial insights. • Mary Madeline Kelly and Greg Murray discuss planning considerations families should keep in mind as goals and responsibilities evolve. • Later in the hour, Kelly and William return to talk about William’s book, Only the Good Invest Young, and the importance of building smart habits early. • The segment wraps with Wit & Wisdom from Bill Kelly, who reminds listeners there’s no single right way to begin planning, what matters most is gaining clarity, confidence, and peace of mind before making changes.

January 31st 2026: Real Life, Real Choices, and Learning to Advocate for Yourself | Forever Young: Kelly sits down with her son, William Kelly Jr., for a real conversation about what happens when life doesn’t go as planned, even when you’re doing everything “right.” William shares, for the first time on air, how he found himself in an environment that no longer felt healthy or aligned with his values, and how he had to make the difficult choice to advocate for himself. Together, Kelly and William reflect on how easy it is to second-guess yourself, and how real growth often begins when you choose clarity over comfort. The conversation naturally connects to the importance of making thoughtful choices in every area of life. • Mike Doucette and Greg Workman explain why coordinating income matters just as much as growing investments. • Mary Madeline Kelly and Greg Murray explore how thoughtful planning can replace uncertainty with confidence. • Later in the hour, Kelly and William return to share simple, practical ways families can stay calm, organized, and confident about taxes and retirement planning in 2026 and beyond with a focus on clarity, awareness, and preparation. • The show closes with a timeless reflection from Bill Kelly, reminding us that steady values and clear direction continue to guide families, generation after generation.

January 24th 2026: Finding Your Way, One Step at a Time | Forever Young: Kelly Kelly and her son William Kelly Jr. open the show and talk about William's first weeks at Bryant University, from meeting new friends and building connections, to learning how to manage his time, take responsibility, and stay grounded as he begins this new chapter. William also shares details from his IDEA program, where his team designed a prototype to improve communication for patients and families at Hasbro Children’s Hospital. Together, they reflect on how small, consistent habits and meaningful experiences can quietly shape confidence, purpose, and long-term direction. • Mike Doucette and Greg Workman explain why understanding how your expenses change in retirement may be even more important than how your investments perform, and how clear, thoughtful planning can help replace guesswork with confidence. • Mary Madeline Kelly and Greg Murray walk through a question so many retirees are asking: Should you pay off your mortgage, or can it make sense to keep it? They explore how this decision fits into a broader retirement plan. • Later in the hour, Kelly and William return to share simple, practical ways retirees can stay calm, organized, and confident about taxes and retirement planning in 2026 and beyond, with a focus on clarity, awareness, and preparation. • The show closes with a reflection from Bill Kelly, a reminder that steady values, personal responsibility, and thoughtful planning continue to guide families, generation after generation.

January 17th 2026: New Beginnings, Big Transitions, and Carrying What Matters Most — Whether you’re navigating a major life transition or simply looking for perspective beyond the headlines, this episode offers thoughtful conversation, practical insight, and a reminder that planning well means honoring both where you’re going and where you come from. | Forever Young: Kelly Kelly and her son William Kelly Jr. open the show with a heartfelt conversation recorded from William’s college dorm room, reflecting on move-in day emotions, independence, gratitude, and carrying family values forward during times of change. Kelly shares a personal letter written to William on the eve of college, along with a touching message from one of William’s former teachers. • Mike Doucette and Greg Workman break down the financial principles that matter most in 2026 and why drifting from even one can quietly cost families over time. • Mary Madeline Kelly and Greg Murray discuss how families can take lessons from the past year and turn them into better, more intentional decisions moving forward. • Later in the hour, Kelly and William return to explore how families think thoughtfully about downsizing or rightsizing, and why the right choice isn’t always the obvious one. • The show closes with wit and wisdom from the late Bill Kelly, whose timeless words continue to inspire and guide families as they plan for the future.

January 10th 2026: New Chapters, Life Transitions, and Planning with Purpose — As a new year begins, many families are thinking about the next chapter in life, in retirement, and in how they plan for the future.| Forever Young: Kelly Kelly and her son William Jr. share a heartfelt conversation about change, growth, and navigating major life transitions. As William prepares to leave for college following a meaningful gap year, they reflect on the value of time, non-traditional paths, and the importance of thoughtful planning during seasons of change. • Mike Doucette and Greg Workman explain why a clear, written financial plan, not just investments, is the foundation for confidence at every stage of retirement. • Mary Madeline Kelly and Greg Murray walk through what changed for retirement and tax planning in 2026 and why January is the right time to pay attention. • Later in the hour, Kelly and William return to discuss what early retirement really looks like today, and why lifestyle planning, purpose, and flexibility matter just as much as the numbers on a balance sheet. • The show closes with wit and wisdom from the late Bill Kelly, whose timeless words continue to inspire and guide families as they plan for the future.

January 3rd 2026: New Year Energy, Family Moments, and Building Strength for What’s Ahead | Forever Young: Kelly Kelly and her son William Jr. kick off the New Year with a warm, lighthearted Forever Young conversation, sharing family moments from the holidays, lessons in gratitude, and reflections on staying active, curious, and engaged as the year begins. They talk about building strength and momentum in 2026, including Kelly’s return to structured training and how mindset, encouragement, and consistency support long-term health and confidence. The conversation also looks ahead to William’s upcoming start at Bryant University, focusing on discipline, opportunity, and staying grounded during important life transitions. • Mike Doucette and Greg Workman explain why January is a natural time to pause, get organized, and approach retirement planning with intention focusing on clarity, income, and structure rather than reaction. • Mary Madeline Kelly and Greg Murray discuss why the first 90 days of the year matter most and how early planning decisions can help set the tone for greater confidence throughout 2026. • Kelly and William return to talk about designing retirement income and lifestyle with flexibility, • followed by timeless Wit and Wisdom from the late Bill Kelly, who reminds us that true wealth is measured not just in money, but in faith, family, purpose, perseverance, and the ability to help others along the way.

December 27th 2025: Year-End Perspective: Clarity, Gratitude, and Planning for the Year Ahead | Forever Young: Kelly Kelly and her son William Jr. reflect on Christmas, family time, and the gratitude that comes with closing out another year together. They also thank listeners and clients for the incredible response to William’s book, Only the Good Invest Young, sharing what it has meant to connect with families through William's first-time author experience • Mike Doucette & Greg Workman put today’s strong markets into perspective, explaining why thoughtful planning matters most when things are going well and how discipline and clarity can help support long-term goals • Mary Madeline Kelly & Greg Murray walk through an important year-end RMD checklist, highlighting what to double-check before December 31st and how to avoid costly mistakes as you head into the new year • Kelly & William return and continue the conversation, focusing on why planning for the year ahead isn’t about perfection - it’s about clarity, confidence, and building strategies designed to support the life you want to live in 2026 and beyond • The hour closes with timeless reflections from the late Bill Kelly, thoughtful words that continue to inspire and guide families year after year.   

December 20th 2025: Forever Young: Kelly Kelly and her son William Jr. reflect on Christmas traditions, family moments, and the importance of slowing down during a busy season, a thoughtful conversation about what truly matters as we close out the year and look ahead to what’s next. • Mike Doucette & Greg Workman discuss how holiday spending, seasonal market headlines, and year-end noise can distract retirees and why staying focused on long-term planning is especially important this time of year. • Mary Madeline Kelly & Greg Murray talk about what real financial confidence looks like today, and how steady habits and thoughtful decision-making quietly build long-term stability. • Kelly & William return and continue the conversation with a focus on healthcare planning in retirement including Medicare considerations, long-term care conversations, and why planning ahead can help reduce stress down the road. • The hour concludes with a meaningful reminder from Bill Kelly, timeless values that continue to guide families through every season of life.

December 13th 2025: Celebrating the Season While Protecting Your Future | Forever Young: Kelly Kelly and her son William Jr. reflect on the joy of the season, sharing highlights from Kelly Financial’s Christmas Drop-By & Toy Drive, family traditions, and why thoughtful planning allows you to enjoy the holidays with confidence. • Mike Doucette & Greg Workman: How technology and artificial intelligence are already part of modern portfolios and why diversification and disciplined strategy still matter most for long-term peace of mind. • Mary Madeline Kelly & Greg Murray: Why naming a Trusted Contact on your accounts is a simple but powerful step to help protect yourself and your family. • Kelly & William Return: Balancing meaningful holiday traditions with smart financial planning so you can enjoy Christmas without overspending in retirement. • Bill Kelly’s Timeless Wit & Wisdom: A thoughtful reminder of values that endure beyond any season.

December 6th 2025: Holiday Giving & Family Moments | Kelly and William bring Christmas cheer to Forever Young with excitement for the Kelly Financial Toy Drive and William’s book signing. They share family updates including Kelly’s dad visiting for the holidays and highlight their belief that generosity and personal connection are at the heart of financial planning. • Later, Mike Doucette & Greg Workman cover smart inheritance planning, • Mary Madeline & Greg Murray warn about tax traps with inherited retirement accounts. • Kelly & William return to tie faith, finances, and legacy together before closing the hour with Bill Kelly’s Wit & Wisdom.

November 29th 2025: Gratitude, Giving & Looking Ahead | Kelly Kelly opens Safe Money Strategies with a Forever Young conversation alongside her son, William Kelly Jr., reflecting on Thanksgiving, family, and the importance of slowing down during the holidays • Mike Doucette and Greg Workman then break down what your Thanksgiving table may reveal about rising costs, recent Federal Reserve movements, and inflation’s impact on families and retirees • Mary Madeline Kelly and Greg Murray guide listeners through an important year-end step: reviewing beneficiary designations to ensure accounts are aligned and loved ones are protected • Kelly and William return to address cybersecurity risks, holiday scams, and emotional spending triggers • The hour concludes with meaningful Wit and Wisdom from Bill Kelly.

November 22th 2025: Holiday Giving & Guidance | Season of Smart Planning • Kelly and William open Forever Young with a heartfelt conversation about gratitude, family, and the season of giving along with an update on William’s book, Only the Good Invest Young, now available on Amazon. They also share details on the December 6th Holiday Toy Drive, benefiting Interfaith Social Services, with a drop-in event from 11 AM to 1 PM at both the Burlington and Braintree offices • Later in the program, Mike Doucette and Greg Workman take a closer look at the current market environment and what it could mean for year-end positioning. • Mary Madeline Kelly and Greg Murray follow with important updates on 401(k) catch-up contributions and what these changes may mean for retirement planning going forward. • Kelly and William then return to the mic to discuss how real-life planning gives families clarity, confidence, and a path forward across generations. • As always, the hour closes with a timeless moment of Wit and Wisdom from the late Bill Kelly, offering inspiration that continues to guide families today

November 15th 2025: Kelly & William open Forever Young with reflections on life’s miracles and challenges and William’s exciting commitment to Bryant University, while Kelly celebrates this milestone as both a mother and mentor. • Later, Kelly and William return to discuss the realities of the sandwich generation, balancing support for aging parents while guiding the next generation toward financial independence. • Mike Doucette and Greg Workman break down smart year-end income strategies for retirees navigating inflation. • Mary Madeline Kelly and Greg Murray discuss the outlook for cash and how to position savings as interest rates begin to drop. • Bill Kelly closes the hour with a heartfelt reminder about family, love, and living well from our first breath to our last.

November 8th, 2025: Strength. Service. Smart Planning. Forever Young • Kelly & William open the show reflecting on William’s record-setting powerlifting weekend • the pride of supporting veterans at the WRKO DAV Radiothon • “When We Becomes Me” living alone with confidence and clarity • Mike Doucette & Greg Workman on smart year-end income strategies • Mary Madeline Kelly & Greg Murray on avoiding costly RMD mistakes • and The Wit & Wisdom of Bill Kelly closes the hour, a reminder that family, faith, and financial stewardship never go out of style.

November 1st, 2025: The Heart of Generosity & The Legacy of Gratitude • Kelly and William open with Forever Young, sharing highlights from William’s powerlifting competition and lessons on discipline and purpose. • The hour turns to how generosity and gratitude can shape retirement - from giving wisely to building a legacy that lasts. • Mike Doucette and Greg Workman offer year-end planning insights, while Mary Madeline Kelly and Greg Murray explain tax traps in inherited accounts. • The show closes with timeless wisdom from Bill Kelly.

October 25th, 2025: Community, Family & Faith: Staying Forever Young • This week on Safe Money Strategies, Kelly and William share joyful family milestones - from William’s acceptance to Bryant University to celebrating Greg Murray’s 15 years with Kelly Financial. The conversation turns heartfelt as they reflect on the importance of community, gratitude, and faith in difficult times. • Mike Doucette and Greg Workman share a real-life retirement case that turned hard work into dependable income • while Mary Madeline Kelly and Greg Murray explain how trusts can bring clarity and peace of mind. • Kelly and William return later in the hour to discuss how to build a holiday budget that keeps your retirement on track while still enjoying the season with family. • The show closes with timeless wisdom from the late Bill Kelly.

October 18th, 2025: Gratitude, Legacy & Financial Confidence • Kelly and William reflect on an extraordinary afternoon at iHeartMedia Studios with WRKO’s Jeff Kuhner - an event filled with gratitude, legacy, and laughter • John Budris shares plans to dedicate a wing to the William A. Kelly family • Advisor insights: Mike Doucette on KFS culture and a 98% retention rate; Greg Workman on the peace of mind that comes from a service-first team; Greg Murray’s tribute to Bill Kelly • Later, Doucette & Workman present a practical case study, while Mary Madeline Kelly & Greg Murray tackle “gold or crypto?” Kelly and William close with momentum - how steady, thoughtful action builds financial confidence before • The Wit & Wisdom of Bill Kelly.

October 10th, 2025: Fall Finances & Family Talk: The October Checkup and What’s Next from the Fed • Kelly and William talk fall finances, family, and why October is the perfect time for a financial checkup. • Mike Doucette and Greg Workman explain what the Federal Reserve’s upcoming October meeting could mean for rates, inflation, and investor confidence. • Mary Madeline Kelly and Greg Murray share year-end planning insights. • The hour closes with The Wit and Wisdom of Bill Kelly.

October 4th, 2025: The Fatal Mistake: Burying Your Talents • Kelly & William Kelly open up in Forever Young with family updates, puppy tales, and William’s upcoming book, Only the Good Invest Young. William explains why burying your “talents” - a biblical term for money or currency is one of the greatest financial mistakes anyone can make. Our Kelly Financial Advisors expand on that theme with practical strategies: • Breaking down the latest market moves and how the new “Big Beautiful Bill” could affect retirees and families. • Exploring the retirement income gap - what it is, why it matters, and how to help your money last. • Highlighting the unique challenges women face in retirement and steps to build lasting financial independence.

September 27th, 2025: Family, Faith, and Financial Focus • Kelly and William Kelly on life’s pace, family moments, and the upcoming October 15th iHeartMedia event with Jeff Kuhner • A preview of William’s new book Only the Good Invest Young and why financial discipline matters • Why Medicare and health care planning remain critical in retirement • How tariffs and global trade policies ripple through portfolios and everyday spending • Wit and wisdom from Bill Kelly

September 20th, 2025: Faith, Family, and Forward Thinking - Kelly and William Kelly on gratitude for our clients and the values of family and faith / A tribute to Charlie Kirk and the lessons of critical thinking and unity / Six Social Security changes coming in 2026 and how to prepare / Artificial intelligence and new opportunities for investors / Life insurance as a tool for liquidity, protection, and legacy / Wit and wisdom from Bill Kelly

September 13th, 2025: Kelly and William on the launch of William’s first book Only the Good Invest Young and the golden nuggets of wisdom he gathered from top leaders and entrepreneurs / the value of a written financial plan / smart 401(k) strategies for rollovers and retirement decisions /why powers of attorney and healthcare proxies are essential for every family / wit and wisdom from Bill Kelly on love, legacy, and lessons that last across generations

September 6th, 2025: Kelly and William on family updates and welcoming a new puppy / simple brain-boosting habits for a stronger future / protecting your emergency cash stash and what to do with extra savings / tackling financial fears that keep people up at night / why lifelong learning and mental wellness matter in retirement / Wit and Wisdom from Bill Kelly on his grandfather’s stories, the family dinner table, and lessons passed down across generations

August 30th, 2025: Kelly and William on the “Midnight Test” and friendships that endure / How a written financial plan provides clarity and peace of mind / Identifying hidden risks that can derail retirement / Lifestyle and financial realities of continuing care retirement communities / Wit & Wisdom from Bill Kelly

August 23rd, 2025: William and Kelly on Kelly’s new strength training journey/ Benefits and impacts on income when working during retirement/ Comparing IRAs vs. 401(k) benefits for new investors/ Legacy planning when dementia is involved/ Bill Kelly’s cookie and egg adventures with his grandfather

August 16th, 2025: William and Kelly on DC politics and life at home/ Riding summer market turbulence with a retirement roadmap/ Financial strategies for the sandwich generation/ Your 5- and 10-year retirement planning checklists / Key components of a written financial plan/ Bill Kelly on life in his room at Bailey Brook Farm

August 9th, 2025: William and Kelly on sibling rivalry and canine custody/ Markets rebound amidst tariffs and volatility/ Strategies for building financial security/ Retirement risks to avoid at all costs/ Diversification with AI investments/ Bill Kelly on diction, hard work, and family value

August 2nd, 2025: William and Kelly on Poppy’s new retirement home/ Planning for a meaningful retirement/The importance of investing early and often/ Boosting brain health in retirement/ Bill Kelly on relationships, trust, and family values

July 26th, 2025: William and Kelly on hair care and swimming pools/ The value of patience when investing/ The evolving 4% withdrawal rule/ The ins and outs of emergency savings/ Bill Kelly on the amazing gift of marriage

July 19th, 2025: William and Kelly on their dog Georgia’s endless energy/ A straightforward guide to investment diversification / What to expect from the Big Beautiful Bill / Retirement money goals that get your summer savings on track/ Bill Kelly on Summer on the farm

July 12th, 2025: William and Kelly on applying to Bryant University/ Choosing the right beneficiaries for retirement accounts / Setting boundaries when helping adult children financially/ Building a retirement nest egg when you're late to the party / Smart summer saving and investing tips/ Bill Kelly & William Jr. on his favorite things

July 5th, 2025: William and Kelly on their trip to Banff/ Achieving financial independence / Smart financial strategies amidst inflation fatigue / The most tax-friendly states for your retirement income/ Taking control of your personal financial life/ Bill Kelly on life lessons from the Boy Scout handbook

June 28th, 2025: William and Kelly on My Brother’s Keeper charity/ The importance of choosing the right financial advisor/ It’s never too early or late for retirement planning / Maximizing older workers in the workforce/ John Budris & Kelly Kelly on retirement planning for women

June 21st, 2025: William and Kelly on the joy of dancing at weddings/ Mid-year recap of market volatility / Investing in AI/ Smart budgeting to make your money last in retirement/ The importance of a mid-year financial review/ Bill Kelly on Dad-isms

June 14th, 2025: William and Kelly on remembering the Dads in their life/ The impact of capital gains taxes when downsizing/ Interest rate questions everyone’s asking / Strategies to protect wealth from inflation/ Bill Kelly on his generous Dad

June 7th, 2025: William and Kelly on Marshall the Cat’s escape/ Real estate as a dynamic asset class/ The benefits of high interest rates/ Retirement goals at home: finding comfort & adventure in your own backyard/ Bill Kelly on living with Grandpa Murphy

May 31st, 2025: William and Kelly on William’s upcoming project/ Organizing retirement savings with a bucket strategy/ Rely on an advisor for a strong retirement foundation/ Generation Gaps in Retirement Confidence: Who’s ready & Who’s not/ Bill Kelly on the importance of legacy planning.

May 24th, 2025: William and Kelly reminisce about Bill Kelly’s service / Warren Buffett’s investment lessons / The importance of financial plan reviews / Teaching financial responsibility to the next generation / Diversification for long-term wealth / Bill Kelly talks with young William Jr. about life

May 17th, 2025: William and Kelly talk Trump/ April’s market volatility recap/ AI as a powerful financial tool/ Critical retirement conversations to have with family & friends/ Your written retirement income roadmap/ Bill Kelly on money lessons from his paper route

May 10, 2025: William and Kelly on celebrating Mother’s day/ Generating predictable retirement income/ Flexible income strategies with CDs, bonds, and stocks / Housing options in retirement/ Dependable payments from annuities/ Bill Kelly on his love for his wife, Kelly

May 03, 2025: William and Kelly on enjoying Spring activities/ Financial tips to boost your savings account/ Seasonal reflections to realign your spending/ Wealth preservation for business owners/ Bill Kelly on the value of well-made products

April 26, 2025: William and Kelly on a fun, family Easter/ Roth conversions offer tax-free income streams/ Paying off your mortgage early vs. investing/ Helping your adult child without derailing your retirement/ Bill Kelly on how you know you’re in a family

April 19, 2025: William and Kelly on William’s record-breaking powerlifting wins/Creating financial stability as a widow/ Tax-efficient retirement planning after your partner passes away/ Financial and life issues in early retirement/ Bill Kelly on gratitude lessons from the prophets

April 12, 2025: William and Kelly on lessons learned from wrestling & powerlifting/ Estate tax increases after The 2017 TCJA expires/ The risks of cherry-picking stocks/ The ‘How To’ guide to annuities/ Common pitfalls of estate planning/ Bill Kelly on understanding the many investment planning acronyms

April 05, 2025: William and Kelly on travels & life/ Overcoming the uncertainties of today’s markets/ Tailoring annuities to your unique plan/ Pre-retirees assumptions and realities about retirement/ Adding bonds to your investment mix/Bill Kelly on helping clients be informed

March 29, 2025: William and Kelly on becoming a financial advisor/ Insights into recent market downturns/ Common misconceptions of annuities/ The benefits & options of Safe Money strategies/ Navigating the challenging world of investments/ Bill Kelly on the many ways people connect with Kelly Financial

March 22, 2025: William and Kelly on the changing of the seasons/ Three essential pillars of retirement planning/ Balancing Roth IRA and 401k contributions/ Fiduciary advisors and why they’re important/ Bill & Kelly on running their family-owned business

March 15, 2025: William and Kelly on the importance of cybersecurity/ A history lesson on annuities/ Investment strategies to weather market disruptions/ Ten life events that impact retirement taxes/ Bill Kelly’s childhood memories of a simpler life

March 08, 2025: William and Kelly on the benefits of sports as a kid & current events/ Explaining tariff impacts on market performance/ The realities of taxable Social Security benefits/ The FIRE movement and how to retire early /Annuities as early retirement funding sources/ Bill Kelly on trusting your judgment and staying in awe.

March 01, 2025: William and Kelly on their Irish family traditions & William’s wrestling memories /Strategies to make your retirement income last longer /Ensure your financial plan stays current with periodic reviews/ Protect your retirement from cognitive decline/Bill Kelly on his excellent Irish Catholic upbringing

February 22, 2025: William & Rob Townsend on William’s trip to England/ Avoiding retirement risks and meeting long-term goals by rebalancing your portfolio/ Tax season tactics for keeping more of your money/ Smart tax moves from your advisor to save thousands/Bill Kelly on the joys of becoming William jrs.’ Dad.

February 15, 2025: William & Kelly on William’s 19th birthday trip across Barcelona and Switzerland/ Balancing the trade-off in your retirement decisions/ Backdoor Roth contributions for high-income earners/ The Gen X retirement roadmap and steps to retiring successfully/ Achieving retirement goals with a bucket strategy/Bill Kelly and William Kelly jr. on all he learned in Kindergarten.

February 08, 2025: William & Kelly on Trump’s weekly news & traveling in Europe/ Managing 5 financial risks that undermine retirement confidence/Understanding the retirement impacts of the WEP repeal/ The best countries where you can comfortably retire/Avoid retirement risks with solid income planning /Bill Kelly on lessons for handling adversity

February 01, 2025: William & Kelly on keeping pets safe & European travel with friends/ Overcoming financial challenges & empowering women in retirement planning/  Preparing for big financial expenses/ Financial steps to downsizing in retirement & how your advisor can help/ Bill Kelly on learning the lessons of investing from a paper route.

January 25th, 2025: William & Kelly on Trump’s first days in office & inspiring leaders/ Finding an advisor that’s a good match for you/Understanding the psychology of money/Your 2025 Financial To-Do’s /The importance of a retirement income checklist/Questions to ask when researching a financial advisor/Bill Kelly on ‘The day I live’

January 18th, 2025: William & Kelly on MLK and presidents with heart/ Making your money last while managing risk /  Dividend Reinvestment Plans are good investment strategies / Financial wisdom of Americans in their 60s, 70s, and 80s / Bill Kelly on the joy of shopping for MLK Center families

January 11th, 2025: William & Kelly on the joy of renovating with antiques/ The factors that contributed to the strong stock market performance of 2024/  Keeping more of your money by being tax smart in retirement/ Guarding your retirement income when interest rates fall / Bill Kelly on the nostalgic items in his family’s farmhouse

January 4th, 2025: William & Kelly reflect Jimmy Carter’s life/ Building a secure and resilient fiscal house/  Understanding the impact of the national debt on Social Security/ Election impacts on retirement savings and what you can do/ Bill Kelly on finding safety when investing is a restless sea

December 28th, 2024: William & Kelly reflect on a great year and William’s praise for his mom’s achievements/ Protecting retirement income and keeping pace with inflation/  Retirement planning through the ages/ Changes to retirement plans in 2025 & how your advisor can get you ready/ Bill Kelly asks ‘Where are you in the world of investing?

December 21st, 2024: William & Kelly on the joy of giving to charities at Christmas/  Understanding stock market history makes you a better investor/ Sticking to your retirement strategy as you enter 2025/ The shifting definition of retirement & financial factors to consider when deciding to retire/ Investment strategies to maximize your retirement savings/ Bill Kelly remembers Christmas on the farm

December 14th, 2024: William & Kelly on Trump’s immigration plans and good reads about entrepreneurs/ Selecting an advisor with your best interests at heart/ Financial lessons from holiday spending/ People to speak to about your retirement & what questions to ask/ What to expect in a year-end second opinion/ Bill Kelly on life on Bailey Brook farm and first jobs

December 7th, 2024: William & Kelly on Trump’s economic policies and holiday planning/ What type of investor are you?/ Critical money moves to make before December 31st/ The best parts of retirement/ Funding the retirement of your dreams/ Avoiding investment mistakes by understanding your investment style/ Bill Kelly on preparing for life’s transitions

November 30th, 2024: William & Kelly on Trump’s cabinet picks and Friedman’s book ‘Capitalism & Freedom’/ Planning for longevity – 3 questions you must answer before retiring/ Practical steps for regaining control of your debt/ The challenges of managing healthcare costs in Massachusetts/ Bill Kelly on the GPS – guidance, possibilities, and security – that Kelly Financial offers.

November 23th, 2024: William & Kelly on the impact of the war in Ukraine & the need for peace/ Avoid risk by rebalancing your investment portfolio/ Staying on top of your retirement planning with Kelly Financial/ Wrap up your 2024 financial year-end to-do’s/ Four things to consider when adjusting allocations/ Bill Kelly on the joys of having a family

November 16th, 2024: William & Kelly on Trump’s plans and Thanksgiving with friends/ Optimize your 401k with diversified options/ Debunking myths about annuities/ The benefits of a financial second opinion & how to get one/ Preserve your retirement investment from market downturns/ Bill Kelly on Marxism.

November 9th, 2024: William & Kelly on the benefits of Trump’s win & the annual DAV event/ Smart financial gifting and legacy planning for grandparents/ Focus on market fundamentals & long-term goals post-election/ Retirement planning around Trump’s upcoming economic policies/ Strategies for bolstering your grandkids’ financial future/ William Jr. at the WRKO DAV Radiothon.

November 2nd, 2024: Political insights from John Budris/ William & Kelly on having confidence in life, before & after the election/ Taking charge of your financial future/ Focus on long-term investment strategy, not market volatility/ How Harris’ & Trump’s policies will impact your retirement/ Roth IRA conversions grow your savings tax-free

October 26th, 2024: Political insights from John Budris/ William & Kelly on honoring Bill’s memory by cleaning out /Saving enough for retirement/ Understanding the impact of shrinkflation/ Reasons for delaying retirement/ Planning for long-term care and estate plans/Strategies to make your money work for you/ Bill Kelly on winter at Bailey Brook Farm

October 19th, 2024: Bill Kelly on what matters most in this short life/ William and Kelly reminisce about Bill on the anniversary of his passing/ Review your distribution strategy after dropping interest rates/ it's never too late to start investing/ Top three financial regrets that impact retirement/ Overcoming financial regrets to build a healthy retirement plan/ Three factors Impacting fourth quarter market performance

October 12th, 2024: William and Kelly on Georgia’s recovery efforts post-Helene/ Third quarter market recap/ Understanding investment performance returns/ Five surprise retirement expenses/ Factoring family matters into your retirement plan/ Preparing for fourth quarter market volatility /Bill Kelly & Rob Townsend on life and education across the globe

October 5th, 2024: William & Kelly on Hurricane Helene’s aftermath/Estate planning mistakes of the rich and famous/Don’t wait to name your Power of Attorney and Healthcare Proxy/Avoiding problems with probate/Important conversations about assets and estate planning/Creating trusts early avoids unforeseen consequences/Bill Kelly’s tribute to his remarkable mother

September 28, 2024: William & Kelly on adult responsibilities and civic duties/Reducing estate taxes with the right saving strategy/Consisteny contributions take the stress out of investing/Retirement planning and estate planning safeguard your future/Retirement planning and estate planning - What's the difference?/Estate planning is for everyone/Bill Kelly on 'The Day I Lived'

September 21st, 2024: William & Kelly on the benefits of preventative medical procedures/ The differences between group and individual coverage you should consider/ Roth conversions before the 2017 Tax Cuts and Jobs Act expires/How life insurance as an asset provides tax advantages/Unique benefits of life insurance you need to know about/ Understanding the underwriting process when seeking appropriate coverage/ Bill Kelly on looking up to Gramps on Bailey Brook Farm

September 14th, 2024: William & Kelly on debate performance and client appreciation events/Post-election tax planning to balance risks in retirement/Understanding your vision for a financially secure retirement/John Budris on Harris and Trump/Strategies for overcoming election uncertainty/Keep volatility in perspective and protect your nest egg /Roth IRA conversions for tax-free growth/Bill Kelly on Dadisms from his great dad

September 7th, 2024: William & Kelly on William’s upcoming client survey/Fixed-indexed Annuities help your savings outpace inflation/More about Target Date Funds in employer-sponsored retirement accounts/Life Insurance Awareness Month is a great time for a policy review/Cash value, tax efficiency and earned interest with Life Insurance/Bill Kelly on the cost of US defense overseas

August 31st, 2024: William & Kelly at the Kenny Chesney concert with the KFS family/ Stable value assets as the foundation of your financial plan/ Monthly distributions offer consistency and tax efficiency/Preparing for interest rate cuts and protecting your assets with fixed-rate annuities/Higher yield bonds provide reliable income/ Bill Kelly on the joy of back-to-school generosity

August 24th, 2024: William & Kelly’s beautiful family memories on Martha’s Vineyard/ Build a resilient & sustainable retirement fiscal house/ Retirement planning in your 30’s, 40’s, 50’s & 60’s/ Managing healthcare costs after Medicare medication negotiations/Stay the course following August’s volatility scare & reset/ Bill Kelly on growing up with Kelly family values

August 17th, 2024: William & Kelly discuss end-of-summer shifts and radio show history/ Four faulty assumptions to avoid when making your retirement income plan/ Considering lower interest rates when navigating the bond market/ The evolution of the American shopping mall/ Immigration impacts on your finances/ Bill Kelly on financial independence vs. displaying social status

August 10th, 2024: William & Kelly recall unique Roman history while on vacation/ Is your retirement plan missing something... like asset allocation?/ The case for staying fully invested during market turbulence/ A social program geared to Boomers that actually worked/ Bill Kelly remembers newspaper routes

August 3rd, 2024: William & Kelly prepare for Rome/ Why goals are so important in retirement/ Talking finance with your significant other/ What is the retirement "magic number?"/ John Budris comments on "AI"/ Wit & Wisdom of Bill Kelly.

July 27th, 2024: William & Kelly on the homefront/ Creating savings without a pension/ Practical steps for managing debt/ Older workers are not an economic drag/ Wit & Wisdom of Bill Kelly.

July 20th, 2024: William & Kelly: A remarkable week in presidential history/ Will historical data shed light on election year markets?/ Tracking your expenses/ Positive trends emerge for Gen-X savings/ John Budris in the garden/ Bill Kelly remembers.

July 13th, 2024: William & Kelly: Saturday coffee/ Planning now for likely tax-rate increases/ Annuity misconceptions/ Women caregivers carry heavy burdens/ John Budris remembers his summer job in 1966/ Wit & Wisdom of Bill Kelly.

July 6th, 2024: William & Kelly: porch-side chat/ Money saving ideas... cut the cord and stream?/ A ballooning national debt may impact Social Security reform/ John Budirs shares American stories over the July 4th holiday/ Wit & Wisdom of Bill Kelly

June 29th, 2024: William & Kelly: Manual labor is good for the soul/ Is your retirement income keeping pace with inflation?/ The Tax Cuts & Jobs Act of 2017 is set to expire in 2025: There's lots of tax consequences if it's not renewed/ More and more Americans are "aging in place." Bill Kelly remembers his grandfather.

June 15th, 2024: Kelly & William: life lessons of a summer job/ Volatility can strike sharply and unexpectedly -- the key is planning/ A lower interest rate environment presents risks and opportunities/ What the 2024 Social Security Trustees Report means to you/ Wit & Wisdom of Bill Kelly

June 8th, 2024: Kelly & William: the fun of summer jobs/ A good primer of bitcoin ETFs/ What options do investors have with employer-sponsored retirement plans?/ Inflation is a top issue in this presidential election cycle/ The wit & wisdom of Bill Kelly

June 1st, 2024: William Kelly: The Graduate!/ Your financial foundation starts with knowing income and expenses/ Are interest rates and stock performance correlated?/ Loads of new tips and action steps for you to consider in our newly revised investor guide on Cyber Security/ Wit & Wisdom of Bill Kelly.

May 25th, 2024: Kelly and William on graduation/ The importance of retitling assets in trusts/ What is a Multi-Year Guaranteed Annuity (MYGA)?/ Cyber Security - A shocking real-life identity theft story/ William and Bill on the radio

May 18th, 2024: William & Kelly on the charity "My Brother's Keeper"/ Why a written retirement income plan is so critical/ Age influences risk tolerance/ New insights on cyber security to help protect you, your family and your wealth/ Wit & Wisdom of Bill Kelly

May 11th, 2024: William & Kelly: Prom memories/ What is a Social Security "Break-Even Analysis?"/ Have that conversation about money and marriage/ What's all this talk about a $1.5 million retirement nestegg?/ Wit & Wisdom of Bill Kelly

May 4th, 2024: William & Kelly: Sr. Prom/ Do you spend more time planning a vacation or your retirement?/ Savings account options to consider/ Those under-40 have seen remarkable rise in wealth/ Wit & Wisdom of Bill Kelly

April 27th, 2024: William & Kelly: It's Prom Season!/ The best place in the world to retire/ Boomer home sales can trigger larger capital gains/ People are leaving Massachusetts in droves/ Bill Kelly remembers generations of his family in RI

April 20th, 2024: William & Kelly: Saturday morning coffee klatch/ A primer on the crypto world/ Will the presidential election impact your investments?/ AI is on Wall Street... Are you ready for it?/ Bill Kelly recalls his family's Blackstone Valley farm

April 16th, 2024: William & Kelly: Saturday morning coffee klatch/ Will expiry of Tax Cuts & Jobs Act mean higher taxes?/ Managing market uncertainty/ Rising home prices and stock prices have mitigated retirement risks/ John Budris on the perils and promise of AI/ Bill Kelly: The value of a newspaper route

April 6th, 2024: William & Kelly: Easter memories/ Are there predictable patterns of stock market performance in presidential election years?/ IRA contributions during tax season/ New insights into relocating during retirement/ "The Day I Live": Inspiring words from Bill Kelly

March 30th, 2024: William & Kelly: the cat's meow/ Can you be too conservative with your investment portfolio?/ A short Roth Conversion tutorial/ The latest trends impacting Long-Term Care facilities/ Wit & Wisdom of Bill Kelly

March 23rd, 2024: Willliam & Kelly: An awarding wrestling season/ Are Roth IRAs a sensible choice for the looming expiry of the Tax Cuts & Jobs Act? Forecasting the Fed's rate cuts/ Studying older workers' productivity and profitability/ John Budris on a "separate peace"/ Wit & Wisdom of Bill Kelly.

March 16, 2024: William & Kelly on the homefront during Spring Break/ The Gifting Exclusion is $17,000 per beneficiary/ The Bitcoin ETF is the newest entrant in the field/ Do you talk with your kids or grandkids about gifting?/ Bill Kelly's Wit & Wisdom"

March 9th, 2024: William & Kelly on "Senior Thesis" during Spring Break/ The benefits of working with a financial advisor/ Patience in the market is a key discipline/ Will the 401(k) disappear in 10 years?/ Bill Kelly on "ticker shock" and "statement shock."

March 2nd, 2024: William & Kelly fondly remember Bill on the radio/ Is taking Social Security early a good thing?/ Balancing enjoying life today as you're preparing for retirement tomorrow/ The Opioid Epidemic is a personal and national financial & economic crisis today/ Bill Kelly on a financial professional helping manage your affluence

February 24th, 2024: William & Kelly: Ah, to be 18 again/ Be wary of "conventional wisdom" with your retirement/ How $30 trillion in national debt might affect Social Security reform/ Checking your emotional health in transitioning to retirement/ Bill Kelly's wisdom from the archives.

February 17, 2024 - William turns 18 - advice from the young at heart/ Life insurance is an integral part of your retirement planning/ Home sales can generate big capital gains/ Be careful of financial advice on social media/ From the archives: Bill Kelly on the value of time.

February 12, 2024 - Wrestling wrap-up with Kelly and William/ Three pillars to retirement planning/ Understanding different types of bonds/ We have begun the greatest intergenerational transfer of wealth in American history/ Wit & Wisdom of Bill Kelly.

February 5, 2024 - Kelly and William socializing at wrestling/ Financial planning in an election year/ Understanding the time value of money/ The "Introvert Economy" reigns/ Wit & Wisdom of Bill Kelly.

January 27, 2024 - Kelly and William on Jeff Kuhner's President Trump interview/ "Novice Investor" on bond strategies/ Women's Upward Mobility in American history/ John Budris on the farm/ Wit & Wisdom of Bill Kelly

January 20, 2024 - Kelly and William on community service at school/ Has the bond market baked in rate cuts for 2024?/ An historic moment: The SEC approves Bitcoin ETFs/ Beware of scammers posing as registered investment advisors: They're fake!/ Wit & Wisdom of Bill Kelly

January 13, 2024 - Kelly and William on the homefront/ Safe Money Strategies looks at brokers and financial advisors serving the best interests of their clients/ "Novice Investor:" An intro to crypto/ What is going on with Massachusetts' latest fiscal crisis?/ Bill Kelly remembers

January 6, 2024 - Kelly and William on holiday recollections/ 2023 Year in Review: Choppy but solid/ Mary Madeline earns her Investment Advisor Representative license/ The surprising money dynamics of older couples/ John Budris Remembers/ Bill Kelly on the homefront

December 30, 2023 - The New Year's Show featuring John Budris... A journey of personal insight, commentary, and family lore from one of the best storytellers we know. Kelly Kelly sets up and closes this special presentation.

December 23, 2023 - The Christmas Show: Kelly and her dad, Walter, talk Christmas memories/ John Budris on the homefront/ The KFS team talk family Christmas stories/ Kelly and Bill reminisce.

December 16, 2023 - Kelly and William talk scholl before Christmas Break/ Mountain climbing as a metaphor for retirement planning/ Staying fully invested on "Novice Investor"/ Why healthcare costs are so high/ Bill Kelly recalls Christmases past on the farm.

December 9, 2023 - Kelly and William on wrestling/ Portfolio tune-up topics as year ends/ Novice Investor on getting started with investing: just start!/ Was "unretiring" a short-lived trend?/ John Budris on his family coming to America/ Wit & Wisdom of Bill Kelly