That's The Bottom Line 12/21-28/24 - podcast episode cover

That's The Bottom Line 12/21-28/24

Dec 20, 202444 min
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  • If you have any questions please contact Asset Growth Associates Tax & Retirement Advisors located at 1391 Calder Avenue in Beaumont. You can also email [email protected] or phone (409) 840-6900.

Transcript

Speaker 1

We're just trying to turn a bachel and.

Speaker 2

That's the bottom line.

Speaker 3

Welcome to real honest talk about money, politics, news and information you can actually use.

Speaker 4

Buckle up and hold on tight.

Speaker 1

This is that's the bottom line.

Speaker 5

The best thing in life. Up free.

Speaker 1

But you can give them to the bath.

Speaker 2

And be the means.

Speaker 6

Of Holland by war.

Speaker 4

Welcome this year is that's the bottom line with yours truly, Gene.

Speaker 6

Ballarat, your weekly radio broadcast that tells it like it is on KOLB I five sixty a m. Saturdays at six in the morning and then again on Sundays at eleven in the morning. We also want to welcome those of you who listen to this weekly report online by logging on to Save my Retirement dot com or that's the bottom Line radio show. Either way, you can hear this show and past shows as well on your computers.

I'm a partner at Asset Growth Associates. We have offices located in Dallas, Houston, and Beaumont, Texas, where we offer investment, pension and retirement planning services, as well as income tax returns for individuals, families, and businesses. Hey, we do it all at Asset Growth associates, including representing our clients who maybe having difficulty with the irs, often being able to negotiate a settlement, and occasionally even paying nothing at all,

sometimes negotiating a fresh start as well. As I said, we do it all and have been serving our clients in Texas and Louisiana for decades now. Our topics this morning among those the topics we send you and your family, your friends, our wishes for a very merry Christmas and a happy New Year, a mid a time when peace itself can be elusive. And also this morning we'll share

some thoughts on those mystery domes in the nighttime. Scott Today's Dirty Little Secret reveals how, within minutes of taking his presidential oath, incoming President Trump will initiate his deportation plans for all those illegals who have come here without permission. Today Solution segments the answers that Americans need for successful investment outcomes, and we're going to share them with you

on today's report. And listen. When the Christmas bells stop ringing, in the new year, horn stop tooting, it's going to be tax season again. Want to remind you at Asset Growth Associates we can help with all types of tax returns. It's part of what we do here. And when it comes to investing money for future use, which is our primary business. Do you know what your risk number is? You can find out along beyond either Save my Retirement or what is my risk number? Dot Com? Answer a

brief number of questions. The computer program's going to assign you a risk number between one and ninety nine and show you if you're currently investing according to your individual risk. Callants listen. It's a free service that we offer, So why not log on to Save my Retirement dot Com? Do it today, and while you're there, sign up for our newsletter which offers a lot of tax and investment tips. Well, I've got a lot to cover, so let's get started

once again. This is Jane Dala Rani reporting. Well, good morning again everyone everywhere, and a very merry Christmas to all of you waiting and eager anticipation of Christmas Day to arrive. We here at the bottom Line Radio Show extend our wishes to you and yours for a very

merry Christmas a very happy New Year. The annual celebration of Christmas, as you know by now, is a special day for many reasons, including most of all, God's reconciliation with all mankind, peace on earth, good will to all. But as always, while we find pockets of peace throughout the world, peace itself is elusive in many places. Here in America, the celebration is carried out with gift exchanges between families and friends, and with wishes of goodwill to

all we encounter. But still along lonely outposts the world over, members of our US military stand guard, ever ever on watch, as do new and naval ships at sea patrolling the oceans of the world, ready to take up arms should our enemies seek to break the peace of the Holy remembrance of what Christmas really represents the whole Christmas season. Jesus came into the world to atone for the sins

of all mankind, my sins and yours as well. Christmas is the celebration of his birth and is coming into the world to begin his mission, which ended when he died on the Cross of Good Friday thirty three years later, but he rose from the dead on Easter morning. Christmas is the remembrance of his humble beginning, and there would

be no Easter if there was no Christmas. But on earth, the struggle between good and evil continues until Jesus does return once again to personally rule over this world, the world that he redeemed. And when he returns, he's going to crush evil once and for all, and he's going

to cast wickedness into the depths of Hell. And while we here in America can enjoy this Christmas season, many in other parts of the world celebrate in secret as the evil forces of the world continue to do all they can to prevent the celebration of Christmas and the fight between good and evil. It's going to continue until Jesus is the second Coming, and he will return and finally take control of the world and banish evil forever. Just a matter of time, but it will happen. And listen

to me. When it does, there truly will be peace on earth, goodwill toward all man cotton. And when will that day come? Well, we wait in anticipation, don't we. We wait in anticipation for that day to come. No one knows, not even the angels. But Jesus will return. And I can only imagine what that day will be like. For some it will be It will be a great

and glorious day. And for others, those who turned their back on their fellow man and allow the evil to flourish, it probably won't be such a great day after all, will it. But then again, as has been said many times, no sin is greater than God's mercy, No sin is greater than God's mercy. And that is what Christmas and the remembrance of this time of year, what it's all about. Most of us are going to be thankful for the almighties mercy someday, but until that day comes, we just

have to persevere and do the best we can. As the lyrics to an old church tune goes, let there be peace on earth. Let it begin with me. But Christmas will come and go, and unfortunately, every day won't be Christmas. Wouldn't it be wonderful if every day was Christmas? You've heard that song too. There will continue to be wars, ladies and gentlemen. There's going to be wars, famines, and who knows what else is going to fall upon us.

Because of God. God granted all mankind of free will, and while he would prefer we all let our lives honorably, a lot of us don't. Wars and rumors of war, pestilence, starvation, and poverty. None of those things are God's will when they happened. It's the will of mankind that brings misery around. And what can we do about all the evil in the world. We just have to choose not to be

a part of it. In the big scheme of things, Jesus told us a long time ago that all we have to do is love our neighbors as ourselves, and do unto others as you would have them do unto you. He said, if we kept those two commandments, he would automatically be we would automatically be keeping them all. He didn't say it exactly that way, but he did say if we did those things, we wouldn't be breaking any

of the others other commandments. So sort of keep it simple version of being faithful to the Lord in any event. With Christmas now just a few days away, I felt inappropriate to open this morning's report with tidings of joy and wishing all of our listeners the very merry Christmas the happy New Year. Enjoy it while you can. It comes and goes very quickly, and in fact, many of you are probably listening to the same program this morning that we played last week just before Christmas, and we

had to do it that way this year. I hope that everybody has a good holiday season. I hope that we are prosperous in the new year and all that it brings, because this really is a time to be cheerful, to see what's good about creation and what's good about our fellow man, and take that into consideration. You know, there's a song that says, why can't every day be Christmas? Well,

that would be nice too. But after the holidays come and go, we'll get back to our normal lives and trying to get by as best we can, try to make ends meet, try to keep ahead of inflation and all of that. What we have to look forward to this time around, though, is we can look forward to in January. On January twentieth, we can look forward to a new presidential administration going in. We have Donald Trump

back back heading the government of the United States. He's pricing it again, and I think he's got a lot of plans and he's going to have to push them because he's got a short time to get him through. All Right, We're going to be back with more right after these messages, So please don't go away.

Speaker 2

We're just trying to turn a nickel into a die.

Speaker 1

That's the bottom line.

Speaker 4

If you owe the I r S five thousand dollars or more, don't call an unknown eight hundred number. Instead personally meet with us to review your IRS problem. And if you want to pay the I R S nothing or less than you owe, we can set up a fresh start agreement with the I R S. We can help you. Ladies and gentlemen can call us whole free at one eight six six seven, two eight three six nine seven.

Speaker 1

We're just trying to turn a nippel into one dime. That's the bottom line. We will move.

Speaker 5

Now, we will move roun he can't even walk free.

Speaker 6

Welcome back, ladies and gentlemen you're listening to that's the bottom line. You're weekly broadcast on KLBI. That tells it like it is. Look look up in the sky. It's a bird. It's a plane. No, it's a drone, a pilotless flying machine, remotely operated hovering mostly above airports in the northeast US and out in California. That's a big news event and people want answers is to who's operating them? And what are their intentions. Well, so far it's only

been speculation. But if it's a foreign country mapping out US airports, my guess would be it's communist China. Remember the big balloon with a camera attached to it a while back. It was from China mapping out and taking pictures of US military missile installations. And maybe President Biden made a deal with China to let them survey US airports and military aviation sites for a price. He's been

known to do things like that before. Of course, I don't know if that's what's going on, but it wouldn't surprise me if that's what's behind this spy in the sky, these news stories going around. Biden has said nothing much at all about these craft flying above US airports and US military basis. Maybe who knows, Maybe since he's soon to leave office, this might be a good opportunity for him to pick up some quick cash before leaving office by allowing it to happen. Of course, up up to now,

no one admits knowing anything about these drones. Or maybe it's a it's a top secret plan by the by our own country, by the US Air Force. But with so many people with no knowledge of what's going on. Very well might be a communist Chinese intelligence gathering operation with a payoff, and the pay being paid by the Biden administration. The kickback you're going to pay the Biden administration to get them the authorization to come in and you know, take pictures of our airports and so on

and so forth. You know, Biden doesn't have much time left for a chance to sell out the United States before leaving office. And I'm certain that with his this history of all these under the under the table kickbacks that have been going on that we've learned about during his administration, I wouldn't be surprised, I'm certain find out within minutes of Donald Trump taking the oath of office next month if Biden made a deal with China and

exchange for bride payments. Whatever the reason, I'm sure there will be a revelation soon enough, and we'll all know. And I also wonder why no one in government has in ordered a flying US military jet to circle around those crafts in the air begin taking pictures of what should be US airspace. But then again, maybe pictures are being taken by little green men or perhaps little green women from a galaxy far far away. I'm joking, of course,

you never know though. Maybe Mars is invading after all, could be part of an invasion plan to land on Earth and take us all away to work in coal mines on some remote prison planet. Isn't that what they do in some the science fiction movies. Well, I doubt that. I doubt that's what's going on. And of course I'm kidding about little Green men coming down and taking us

off to prison planets. But it wouldn't surprise me much if Biden didn't cut a deal with the communist Chinese and allowing the photograph airport facilities in the US in exchange for some payoffs. After he leaves office in January, his political influence will be pretty much gone. I guess it's pretty much gone right now, and I assure everyone listening to me, come Trump's inauguration day, the secret flights of drones will come to a rapid end, or we'll

know about what this is all about. The Biden administration hit the fact they were flying illegals into the interior of the United States, you remember, and all that was going on a couple years ago midway through his administration. Beyond that, they consistently covered up the fact of Biden's dementia, and so why wouldn't they also lie about secret plans

to import illegals into the United States. And while they did that, of course too, it's hardly a secret to learn the Biden crime family is exactly that, a group of political scoundrels using the cover of government to enrich themselves. I just can't believe it, ladies and gentlemen. I just can't believe it. I can't believe that our government has

gotten so corrupt. And I am so looking forward to mister Trump getting into the Oval Office and being able to overcome all the resistance from the Democrats and a few Republicans on bringing people into his administration that he feels he can trust. I just don't know. I just don't know. One theory has it that the drones are coming from an Iranian mother ship off the east coast of the United States, somewhere with plans to begin bombing

runs on the US population. And if that's the day, somebody better in our intelligence services let us in on it. I guess we'll just have to wait another month or so before Biden leaves the White House and Trump checks back in. In any event, someone inside the Biden administration has to know what's going on, and if this activity is a threat to the United States, they better tell us that we have a right to know what's going on.

And for our leaders to just sit around and say nothing, you know, that's just just another problem, isn't it, Because if it is some nefarious plan being conducted to bring harm to the United States, you know, there's really no excuse for silence, none at all. Someone somewhere knows where these nighttime drones are coming from and what information they're seeking.

But apparently if you're Joe Biden, you don't know. And if you're anybody else in the federal government, well that's a big secret too, because they don't want to talk to us about it. They just want to antagonize you, I guess. And all this nonsense about getting a budget through and trying to trying to get it through before the holiday season. It would just be nice if everybody could just work together. And part of the problem is, listen,

this is really what aggravates me. Part of the problem is that you know, the Democrats stick together, the Republicans they got to fight among themselves and so you always got a few Republicans in there that want to you know, want to go against what's what's best for the United

States and anyhow. This is irritating, but I think once Trump gets into office and things get squared away, we're going to find a little more a little more information available to we the people and what they're doing in Washington, d c. Because if we can't if we can't trust Donald Trump, I don't know who we can trust anymore. You can see how how these countries do come apart at times over the years. But we're going to put

it back together. I'm so happy that at least we've got the Trump administration coming back into authority after January twentieth, so it gives us all something to look forward to. Listen, we'll be back with Today's dirty Little Secret right after this.

Speaker 2

We're just trying to turn Ankeel into dive. That's the bottom line.

Speaker 6

I want to invite our listeners to find out what a risk number can do for them. Visit what is my Risk Number dot com and while you're there you will find more information and if you click the link on the front page, a quick five minute process will give you your risk number for free visit what is my risk number? Dot com? Now to take control of your investments and make them do what you want them to do with a very high degree of certainty. That is what is my risk number? Dot com?

Speaker 4

Again?

Speaker 6

What is my risk number? Dot com?

Speaker 2

We're just trying to turn ankel into a dive. That's the bottom line.

Speaker 6

Welcome back, ladies and gentlemen you're listening to. That's the bottom line. Your weekly broadcast on KLBI, that tells it like it is. Now it's time for that part of the report that we call the dirty Little Secret. We let you in on things that we know about through our own investigations and we share them with you. Incoming President Trump, once he's sworn in, is going to immediately

set into motion a number of initiatives. His first objective is going to be to order the resumption of drilling for oil to fuel an economic expansion for the working people of the United States. And coupled with that initiative will be the beginning of a massive wave of deportations, as those who have entered the United States illegally will

begin to be sent back to their native countries. For those whom their countries will refuse to allow them back in, and there's some countries down there that are going to do that. Trump's going to send them to countries that already have arrangements for accepting refugees. You know, make no mistake about it. Shortly after being sworn in, the deportation of illegals is going to begin. As we'll begin anew the construction of the border wall of iron fencing. You know,

the Democrats, the Biden administration was selling all that fencing off. Well, Trump's trying to buy back. He's going to put it up. The wall will go up, and a shrinkage in illegal immigration will be among the first fruits of Trump's massive deportation of them. Also on the lists going to be economic expansion in the construction freights for new roads and

bridges going up coast to coast. The Democrats will attempt to slow Trump down, but it's not going to work as new jobs in the building trade starts springing up across the country. Foreign entrepreneurs likewise will come to the United States looking to expand their operations and creating new employment opportunities as well. Needless to say, Trump will place tariffs on foreign goods coming into the United States with

a new America First agenda. And even before much of this begins, big American corporations are also beating a path to meet with the incoming president. They're executive officers. They want to go in there and shake his hand and to ingratiate themselves with incoming President Trump. So it looks as if there's a wave of prosperity growing and it

will soon wash over the entire country. Nonetheless, Trump still has enemies, you know that they're going to try to interfere with his America agenda and with his plans to begin the process of issuing pardons to many of those individuals swept up and charged with crimes during the January sixth, twenty twenty one riots when Biden was going in and Trump was going out, remember those Washington, DC riots and the crowds and all that, And they were upset that

about how the election turned out. And you know what's funny is we're starting to learn that, in fact, when you get more votes than you have voters, and that's what we're finding out, maybe Biden was an illegitimate president from the beginning. You know, one of these days it's going to come we're going to learn the truth. And you've got to give credit to Donald Trump for what all he went through, and he put himself out there, and he came back in and he put himself in

the middle of it. They're still holding holding charges against them that they want to spring on him when his administration, when his term of office ends. There in New York City, well, you know, and you remember how they turned after Biden went into office. After that, you know, all the insurrection was going on, How that they turned Washington, d C.

Into an armed camp. Well, the question will linger for decades, if not for centuries, as to whether or not Trump actually did win back in twenty twenty, but the election was stolen from him. I guess we'll never know for sure. But the mort is spoken about the mor it appears that it very well might have been. And when one stops and thinks about the entire period of the Biden years and the use of what has been called law where the US government under Democrat control took on the

characteristics of socialist and communist methods of governance. Now we're finding out about how they their story is going around right now about how they turned the FBI and into into it, going around and arresting people illegally, holding them prisoners illegally. All this is going to come out. All this is going to come out, and I know that Donald Trump's going to bring it to the fore. Well,

fortunately it didn't work. Trump's made a resounding comeback, survived two assassination attempts, and all the lawfare, all that corrupt, illegal political stuff that they threw it in. It's just unfortunate that we can't just play fair. But nonetheless, Trump's made a comeback, He's made a victory. He's going to reteach, retaking the presidency, and he's going to put the GOP in charge of the federal government. And what what was what? When?

What money would call a miracle that it's that it's even happening, including that he's even able to survive those assassination attempts. I'm telling you, ladies and gentlemen, this has been one for the history books. We're living through it. I know that we, uh, we don't recognize that at the moment, or many of us don't, some do. But the people of the United States have a lot to be thankful for. As we enter this year's Christmas celebrations, and much to look forward to here in the new year.

History will tell our country. Uh, we will tell how our country, dedicated to freedom and justice, came within inches of losing it all as the FBI, the Federal Bureau of Investigation, grew into an anti American, pro left wing police organization, and how the US Department of Justice under Merrick Garland tried to turn the FBI to some sort of secret police force seeking to intimidate the American people

as opposed to protecting us from an unjust government. History will tell us someday as to how freighters, politicians, and bureaucrats within the federal government almost did the United States in. Thankfully, we survived and the country held together, thank God, long enough to put our patriotic President Donald Trump back into the White House. We Americans have a lot to be thankful for this Christmas season and much to look forward

to in the coming new year. Yes, we survived a threat, and hopefully we will never ever have to come that close again to losing our country. Been quite a ride. It's really an amazing, an amazing period to have lived here in the United States and seeing how they almost overthrew the government all that lawfare of the assassination attempts against Trump, the impeachment attempt against him, and then even after he left office, how they were dragging him in

the court. You don't try to put him in prison. I'm telling you that's communism. That's socialism at work. And you witnessed it right here, and you should thank God that you know it didn't happen the way they wanted it to happen. Okay, we'll be back with more right after this.

Speaker 2

We're just trying to turn ankel into a dime. That's the bottom line.

Speaker 6

This is Gene Valerati of Asset Growth Associates. If you've been watching recent news, a few banks have had a run where customers panic and withdraw all their money at once, causing the banks to fail. If that isn't worrying enough.

On January first, twenty twenty three, the Federal Reserve set a new low reserve crumpch for net transaction accounts to six hundred and ninety one point seven million dollars, meaning that banks with net transaction account balances up to this amount are subject to a reserve requirement ratio of zero percent. You heard me right, Zero reserve requirements Forget fractional reserve banking. How about zero reserve banking? Why would the federal reserve

create this environment of uncertainty? If this is of can turned to you, and it should be, we can show you how to protect yourself and how to locate and utilize financial institutions with very real reserves, not zero reserves. Give us a call an Asset Growth Associates one eight six six seven two eight three six nine seven. That's eight six six seven two eight three six ninety seven. You can also reach us locally in Beaumont, Texas by dialing four oh nine eight four oh sixty nine hundred.

Give us a call. You'll be glad that you did.

Speaker 1

We're just trying to turn a nekel into a dime. That's the bottom line.

Speaker 6

Welcome back, ladies and gentlemen you're listening to that's the bottom line. You're weekly broadcast on k LBI. That tells it like it is, like it is. But we have a solution. We have a solution for those of you out there that are interested in investing money, investing the money safely. You've seen what's been happening in the stock market lately, these big downturn scary, isn't it. Well, each

week when we offer a solution. During this segment, we talk about plans linked to the financial markets that earn money but are contractually guaranteed not to lose value during market declines. Anyone in the last week or so, they had some big declines on Wall Street before the holiday and a lot of shrinkage going on. We've been offering plans that Asset Growth Associates for years, plans to continue and we plan to continue to do so for the decades ahead, and these plans do not lose value when

the market's in decline. We also do the securities here too, but as far as the declining markets exposure to loss, we have a solution for that. It's called principal protection. Now I've reported many times there's no perfect plan, but depending on what people save money for, some are just better than others. At Asset Growth Associates, we offer plans that gather and gains during the rising market, but these

plans don't lose value during a market decline. Now soon we're gonna we're going to once again have Donald Trump back in the White House, and already business leaders from around the country are beating a path to his door, and from all appearances, the stock market and the rest of the economy is going to settle down, and when Trump gets in there, the things are going to start getting better. That doesn't mean that you have to take

a lot of risk in your investment planning. That's you can call us an asset Growth Associates because we have principal protection. What's unique about the financial investment products we offer through principal protection accounts and you hear me mention this often on this report. These accounts provide both fixed interest returns as well as market link returns, but unlike typical investments, they do not lose value in the markets

in decline. Market goes up, everybody makes money, market goes down, some people lose money. People in principal protection don't lose or die. Our clients and principal protection plans do not lose value during market downturns because they don't lose value.

It means when the market recovers and starts moving up again, these plans are are ahead of everyone else because well most investors or many investors are just to get back to even the principal protection account investors are already growing again because they never lost anything to begin with. And so let's say you have built a nice four oh one K account and you're you're nearing retirement and you

want to retain what you've earned. You simply roll the account over into a principal protection account and it's not only safe, it keeps growing and is never exposed to losses going forward. Loss is caused by market downturns. Soon you will be making New Year's resolutions you probably already had. Why not resolves not allow just resolve to not allow

your nest egg to shrink? By calling us an Asset Growth Associates, I got to just pick up the throne doll four O nine eight four h sixty nine hundreds. You mus call, make an appointment, come in visit with us. We'll tell you how these plans work. Four oh nine eight four h sixty nine one hundred. We can help you. We can help. We help all our clients design financial plans and move their plans to accounts that are linked to the financial markets. But unlike traditional investments, these plans

do not lose value during market declines. Might be worth looking into plans that earn market returns and retain the gains without exposing them to declines caused by downturns. On Wall Street, we offer traditional investments too, we do that, but we feel these principal protection accounts that we offer provide security and stability, and do so by putting a safety net under your investment portfolio so you're never subjected

to losing value during the market decline. You know, when the Christmas bells stop ringing for another year, life returns to normal, then that market's going to go up and down. We're going to have to see what happens. We hope it just we just go into a period of prosperity that's unbelievable, and this could mean for many people an opportunity to move investment capital out of harm's way. Put

it in principal protection. Money's just as screen there there, they can earn market length returns without exposure to market link losses. Now there is absolutely nothing wrong with that. Plus these plans, if somebody passes away, they bypass probate. The money's never tied up, goes straight to a name beneficiary. Your money grows over time. The money's available if you need cash and just keeps growing over time. Gives people the peace of mind that knowing their funds are growing

and not exposed to losses. Okay, went over a little bit. We'll be right back with more right after this.

Speaker 2

We're just trying to turn Ankel into whate that's the bottom line.

Speaker 1

We're just trying to turn Ankeel into a die. That's the bottom line.

Speaker 6

Welcome back you've listening to. That's the bottom line. You're weekly broadcast on KLVI. That tells it like it is. Well, before we close this morning's report, I want to mention a true super spreader event that began in Israel over two thousand years ago and why we celebrate Christmas. This super spreader event that I'm talking about was started slowly in the beginning by a homeless child who became a humble and kind carpenter and who brought about the biggest

chain ever in the history of the world. And talking of course about Jesus of Nazareth, who, by the way, one day will return to finish his work of redemption. Most of his early followers were killed by the cruel Roman Empire. They were slain in arenas, fed to the lions, suffered tortures too cruel to recount. Yet his word spread

and eventually became the predominant religion of the entire world. Sadly, unlike his earlier followers, his followers today are told not to fill the churches, either by fear of the government or the failure of men claiming to represent Jesus. Trust me, Jesus is more powerful than the Democrat and the Republican parties put together. He's more powerful than any deceased that that we suffer from, and as ministers, they should fear

God more than politicians. Jesus told his disciples to feed his sheep, and maybe it's time for all of us to simply have the faith of a mustard seed and use that faith to move mountains. Listen, I want to wish everybody a merry Christmas. On behalf of our little investment company, Asset Growth Associates, will be open for business after Christmas, after New Year's in between two four o

nine eight four h sixty nine hundred. On a personal note, once again, I just want to say to you, Marry Christmas, Happy New Year, and we've got a lot to look forward to. And I guess we could maybe start singing that song needs to say a while back, called Happy days are here again. We got the right guy going into the White House. Got a lot to be thankful for for this season, so let's enjoy it. That's all

the time for today. God bless you, God bless your family, God bless freedom loving Americans everyone.

Speaker 1

That's the bottom line.

Speaker 3

You can reach st Growth Associates by calling one eight six six seven to eight thirty six ninety seven are by visiting savemiretirement dot com.

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