WEBVTT

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All right, we are about an
hour away from Dwight going on a vacation.

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When he starts tonight in a luxury
box with Alex Romundo drinking tequila at

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a Bats game. Yes, so
look out Louisville. He's staying in town

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for his vacation. But first of
all, for this hour, I want

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to say thank you to Mary and
Paul. That's right, Big Paul,

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my dear friend, Big Paul.
Paul used to own Fat Daddy's motorcycles,

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knowing the guy for decades. Navy
guy too, davy Navy guy veteran and

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his beautiful wife Mary Ellen, who
could quite frankly do better. But he

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said, he said, please don't
thank us on the air. So here's

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sorry, too late. So here's
why I'm gonna thank you, Big Paul

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and Mary Ellen for matching your donation. Yeah, the crusade for children.

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God just good people. Yeah,
I will tell you this. Plus,

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I was talking to Paul, and
Paul goes, you know what, I

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don't trust anybody, and we needed
to do something with our money. He

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said. He came to Mercurial Wealth
Management, actually met with Troy, and

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Troy told me he disclosed that during
the meeting. He goes, I don't

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trust anybody. I'm just talking to
him right now. He goes, Look,

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this is the best thing we've ever
done with our money. I got

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to tell you to get in here, Troy. That's real life endorsement.

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It's right here the lobby and Big
Paul. You know him. He doesn't

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bs. He's an intimidating guy.
Paul is the names fly chest. So

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that's a that's a pretty good endorsement. Yeah, coming in here. Doesn't

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trust anybody, But now he's touting
you as he told out here, to

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his words exactly he told me.
He goes, one of the best things

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I ever did was get up with
you guys, meet up, have a

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meeting, and then transfer his money
with you. That feels good, right,

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you know, that's one of the
best feelings. We have as financial

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planners. We put a lot of
back end work into the planning, a

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lot of stuff the clients don't see. They see the proposals, they see

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all the planning stuff, but they
don't see all the hard work that we

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do in the back room with all
of our team. They usually Alan myself,

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one of our new advisors, Ashley
Rose, that we just brought on

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a month and a half go.
They see us, we're kind of a

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face, but they don't see our
team and how hard we work on everything.

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But to hear clients say that,
yeah it's pretty, it makes you

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feel good. Yeah, you know. And again the older you get,

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the smarter you get when you start
talking about I've got to start planning for

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this. And we talked to Alan
earlier in the show. Again we're at

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Mercurial Wealth Advisors. The location is
Paragon Place across from PF Chanins. The

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parking lot will be open tomorrow for
a shredding event. If you have documents

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you need to shred, don't pay
for it. They're gonna pick up the

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tab for it. Come on by
and they'll have some barbecue ready for you.

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But we talked to Alan about that
on how you need a coach and

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who do you want to coach?
And I used I use the opposites,

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you know. I used Nick Saban
and Craig Thorp. There's not that much,

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you know, there's a lot,
you know, And of course I

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made Alan nick Saban. He was
happy to hear that. But you do

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need someone. Everyone knows the plays, but when do you call the plays?

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Is the weks, the good coaches
and the bad coaches. Having an

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advisor is almost a must have when
you get to a certain age. Well,

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it's having a coach for almost anything
you do. When you came in

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today, you mentioned that, look
like I've dropped a few I did right

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when I walked in. I've been
trying to lose weight since Heck, I've

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got married and now three kids.
Through it, I gained a lot of

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weight. Right. The only way
I could figure out to do was hire

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a coach. Hire somebody it's gonna
tell me what I need to do and

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hold me accountable. And it works. Same thing with the retirement planning coach.

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It's we get to look at your
situation. I mean, look,

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you've done the hard work, You've
saved all the money. Maybe you have

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an advisor that's helped you get to
that point. But now, how do

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you take money from that plan?
How do you take income tax efficiently?

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Not pay Uncle Sam too much money? Because we all want to stay legal,

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make sure we're paying as much as
we have to. But we know

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Allan talked about earlier, taxes are
probably going to go up. I think

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we're all in agrance with that,
right, most of our money is and

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pretex it'll go down. And the
most untaxed money that we have is retirees

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because you have the four one case
and it's all untaxed money. And when

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are you going to take that when
you retire? And I'm glad you brought

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that up, because what you all
do here at me Curia is you help

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plan for retirement and you say,
hey, I want to retire this or

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that. You guys can actually tell
them when you can retire comfortably. But

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my dear friend that just left here, Big Paul and his wife Mary Ellens,

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he said that moving his money to
you all was one of the best

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things you ever did. But then
this caught me. It just struck me

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funny, but it's true. He
said, we're retired, so we're not

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making any more money unless we give
it to you guys to make money for

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them. So it's not just if
you're planning no retiring after retirement. If

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you're retired and going to Mercurial Wealth
Management, you you all can actually help

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them with their income. And he
said, you've done that in a big

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way. A lot of people think
after they retire, that's kind of the

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end of the game. Right,
that's halftime, guys, that's halftime.

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I mean, we look at it. You got the retirement red zone five

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to ten years out from retirement.
That's where planning gets serious. You can't

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have any big hiccups within that timeframe, right. If you do another two

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thousand and eight comes, it can
push retirement out a few more years.

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Yeah, So we're trying to make
sure everything's set up prior to that.

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But if you've already retired, reach
out to us. Maybe you're missing out

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on some opportunities. Maybe you could
take income more efficiently, Maybe you could

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do charitable giving a little bit differently. You and I talked about my oldest

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son starting at Saint Patrick's. Your
charitable giving can come out once you're over

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seventy from your iras, completely tax
free, and a lot of people don't

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realize that because their advisors don't talk
about it. That's what we focus on

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educating our advisors. That's why we
put on so many educational events at restaurants

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around town or over a University of
Louisville Shelby campus. We're actually doing some

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tax classes over there throughout the summer. But we all right across the way

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here. Yeah, right across the
way, so that makes it easy.

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It's right across the way from our
office. But we're starting in women's only

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retirement planning. Oh, it's a
great idea. Ashley Rose, she came

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over to us about a month ago. She's from a national company. We

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were able to get her to come
over here because she likes the family environment.

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You know, when you're an independent
advisor, you don't have anybody,

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any big name, calling the shots
above you, right, forcing things down

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your throat. Right. We work
for our clients, so we're able to

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put them in the situation that best
fits them and gives them the best retirement

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planning. All right. The book
by the way, written by you Troy

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Bolton Retirement three sixty game plans,
a playbook for each personal plan. If

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you want to get a free copy
of this, come on by today.

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They'll have a copy for your tomorrow
during the shredding event which is at ten

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am to one tomorrow here at the
Paragon Place. But call two seven three

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eleven eighty eight. If you text, I'm sorry, text's the word book

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book to five oh two two seven
three eleven eighty eight two seven three eleven

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eighty eight. They'll get you a
book. But specifically my wife, I'm

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not there yet, but she got
into a point in her four oh one

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to where she's now stopped putting into
her four a one and she's moved into

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putting her whatever twenty percent or fifteen
percent into So she's she's decided, I

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have this certain amount in four to
one traditional four to one, and now

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the wrath is different. It's where
this is going to be taken out after

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tax, So that's a much different
A lot of people don't understand the difference.

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They don't even understand that they have
that option. So the fact that

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your wife does, she's been listening
to our radio show on so the traditional

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four oh one k it's all pre
tax money. You're basically kicking the can

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down the road. You're gonna pay
taxes on all that growth. Right If

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we look at the wroth, you're
paying taxes on the initial deposit. People

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might say, well, I'm going
to hire a tax bracket right now.

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Are you where taxes are going?
But if we look at that the wroth

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four oh one k roth Ira,
there's no requirementimum distribution at age seventy three

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or seventy five, so you're not
forced to take money out if you don't

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need it's a huge one yet.
But also when you take out that money,

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it's completely tax free. So do
you want to pay taxes on the

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seed? Yeah, the harvest,
that's right, that's right, And and

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you don't know what taxes are going
to be like exactly at that point.

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So she's done and that I will
probably end up switching over. But these

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are the things you've got to talk
about. And I go when I did

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the show with you guys for years, the tax thing was almost every show

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on you can really check the wrong
box and where you don't have to and

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waste a lot of money on taxes. Again what you said, don't break

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the law, you pay your fair
share, but also played by the rules

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as take advantage of the rules too. Of no, you don't know that

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if you have this, and if
you don't have a coach, you don't

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know that you have an option,
Troy. It's all about education, knowing

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your options. And a lot of
people, a lot of advisors out there

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are just money managers, and we
were more financial planners, or we're focusing

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on is educating our clients. I
want to get back to the IRA because

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I wish somebody would have. You
know, when you're eighteen, you think,

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well, that retirement it's never going
to happen as far down the road.

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But there's an example out there,
and I don't have it in front

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of me unfortunately, but I remember
Dave Ramsey shared at one time where if

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you're eighteen, if you put X
amount of dollars in, they contributed.

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I wanted to say till he was
thirty, and then someone else started at

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thirty. It contributed all the way
to a retirement because of the IRA.

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The eighteen year old that stopped when
he was thirty. The ones that started

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at thirty went to sixty five.
Their fund's never caught up with that eighteen

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year old. That's crazy about compound
entry. It's compound. Yeah, that's

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looking at it over forty fifty years. Yeah, the compound interest a tremendous.

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My point being, if you're listening, if you're an eighteen year old

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with your first job, that's one
of my biggest regrets. It's whatever money

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you have, whatever you wealthy you
have, there's there's a needing for a

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coach. Yeah, and there's I
mean, if you think about when you're

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eighteen twenty thirty years old. You're
spending money on ridiculous stuff. Out of

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course, put money on yourself,
think about your future, self a little

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bit, investing your family, invest
in your future. I don't want to

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work my whole life. Nobody does
right. Well, some people do,

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but well, some people have to
have that disease. Let me tell you.

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I worked with this jerk. I'll
tell you off. I'll tell you

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off. I'll tell you Troy,
I will say this. Here's the other

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thing they do, Dwight is everyone's
vision of what they want to do in

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a time is different. I want
to buy a boat, I want to

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travel, or like in Dwight's position, he would probably not leave Susan much.

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He would probably create something for for
his dog, like an account to

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take care of your dog. You
could even say, yes, this is

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how much you're gonna need to take
care of Lemmy until he dies, like

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if you died tomorrow. He would
have a personal handle handler and a chef.

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Right and and you could tell him, Troy, you have enough money

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to do that, or no,
you you don't have enough money to do

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that. You know it's possible.
We have a client that's actually done that.

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His wife passed years ago and his
dogs were his kids, so he

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ended up passing this past year and
he ended up leaving something for the dogs.

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It's all done with the state planning
and making sure the teaser crossing the

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as or dotted. So it's knowing
your options, know what you can do,

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and knowing what you want to accomplish
with the money that you've saved.

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That's what it's all about. And
how much money can keep not give the

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government yep. Yeah. And whether
you're looking to get retired or this never

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dawned on me. But if you
are retired, there's a big need.

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My buddy just now, Big Paul
said it's one of the best things he's

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ever done. And let me tell
you, he goes over everybody with a

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fine too come and a microscope and
he said it just it still resonates with

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me. He said, Look,
we're retired, we don't have an income,

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so we went to mercurial so we
can have a larger income with the

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money working for them. As I
this trust issue thing and he's friends with

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you. This is where I'm having
a problem understanding that. Okay, what's

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in this again? We are broadcasting
live from Mercurial Wealth Advisors here at Peregon

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Place, Troy Bolton. What is
what made you write the book? And

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then what is in this book?
That's basically a book that it talks about

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our retirement three sixty game plan.
We focus on income planning, tax planning,

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investment strategies and stories that we've went
through, experiences that we've had over

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our career to help people accomplish certain
goals in their life. It's explains how

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Alan got in the business, how
I got in the business. Like you

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said earlier, it's family owned business. Allen started over thirty years the same

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incident kind of pushed us both in
the same direction. So it's a very

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good book. The biggest compliment I
got on that book my English teacher from

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high school no Way read it.
She's actually a client. She read it

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and she wanted to review with me. I was a little nervous. She

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was like, you know what,
it's one of the most well written books.

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It's not pushy, and I love
the way that you wrote nice.

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So you got an a and that's
not too my own horn. We had

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some help with it, obviously,
very good editors that helped us with it.

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I'm getting a text message from the
lake. Alan the Lake says that

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Troy Bolton sounds like a nice young
man and he had a great coach.

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I had a bunch of good coaches, Alan Mercurial listening from the lake,

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and I'm sure he's got the fish
and pull out here real soon, Alan,

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I mean, Troy, I thank
you for inviting us out. The

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show will be tomorrow on ten eighty
No show this Sunday on news radio eight

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forty whs because the crusade for children
are great cause to pause the show.

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And then the next following Sunday it'll
be back on the air. But they

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can find you at Louisville's Retirement Coach
dot com. Call or text the number

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00:13:35.480 --> 00:13:39.559
book to textbook to two seven three
eleven eighty eight two seven three eleven eighty

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00:13:39.559 --> 00:13:41.960
eight for the book and then or
if not, just make an appointment at

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00:13:43.000 --> 00:13:48.159
the office and come see you guys. And it's an interesting journey. If

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00:13:48.200 --> 00:13:50.799
you're not at a point where you
want to sit down and have a conversation

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00:13:50.960 --> 00:13:52.679
face to face, come to one
of our events. Go Loisvills Retirement Coach

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00:13:52.720 --> 00:13:56.320
dot com. Check out our events. We have plenty of events that you

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00:13:56.360 --> 00:14:00.279
can come to It's not a high
pressure situation. Learn about us, get

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educated a little bit, and make
a decision from there. Oh no,

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no, that that's the least it
is. It's pressure. There's no pressure

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here at Mercurial Wealth Advisors. If
this works out, and there's sometimes that

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you've said, I don't know for
good partners or whatever, it's not pressure

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00:14:11.919 --> 00:14:16.360
and Mercurial Wealth Advisors, that's not
how they're built here, that's for sure.

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00:14:16.480 --> 00:14:18.679
Troy, thank you so much for
search. I appreciate you and Troy

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00:14:18.799 --> 00:14:22.039
and listen it. If you want
to save money so you can invest with

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00:14:22.240 --> 00:14:26.440
Mercurial Wealth Management, how about Southern
Comfort hot tub. Baby, It's the

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00:14:26.559 --> 00:14:31.559
perfect way. It's the perfect way
to end every single day. You want

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00:14:31.639 --> 00:14:35.679
the worries of the world of twenty
twenty four to just melt away, Get

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00:14:35.720 --> 00:14:39.440
in your Southern Comfort hot tub.
It's how Susan and I d just about

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00:14:39.519 --> 00:14:43.679
every night. A couple of glasses
of Number one tequila, our favorite music,

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00:14:43.759 --> 00:14:46.039
and we get in that Southern Comfort
hot tub and the world just goes

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00:14:46.080 --> 00:14:50.399
away. It's just me and the
one I love, reconnecting. God are

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00:14:50.440 --> 00:14:54.000
the days where we'd have conversations at
the dinner table we've been robbed in that

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00:14:54.120 --> 00:14:58.600
with tablets, cell phones, televisions. Reconnect with the one you love and

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00:14:58.600 --> 00:15:03.000
yourself cover hot tubs. Say you
can't afford one, I want you to

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00:15:03.120 --> 00:15:07.039
think again, loved ones. I'm
talking about hot tubs starting as low as

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00:15:07.159 --> 00:15:11.679
sixty five dollars a month, with
over one hundred and fifty tubs ready to

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00:15:11.799 --> 00:15:16.639
choose from and ready for immediate delivery. Susan and I used twelve months,

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00:15:16.799 --> 00:15:20.720
same as cash, and it was
a breeze. You're gonna love your Southern

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00:15:20.840 --> 00:15:24.279
Comfort hot tub. Seventy five oh
one Presston Highway. Stick Around'm gonna check

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00:15:24.279 --> 00:15:30.039
out with Joan Donker one more time. Then it's this week in music.

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00:15:30.039 --> 00:15:31.679
It's all on the way, It's
ready to wait. Forty wh as by

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00:15:31.720 --> 00:15:35.159
the way, birthday boy right here
banging the drum kit. John Bonham would

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00:15:35.159 --> 00:15:39.600
have been seventy six today. Oh, that's why he was all over my

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timeline this morning. Johnny Paycheck would
have been eighty six today. Wow. Oh