The late William A. Kelly founded Kelly Financial Services, LLC with his wife Kelly Kelly in 2003. An independently-owned financial services company with offices in Braintree, and Burlington, Massachusetts, Kelly Financial Services is a registered investment advisor with the US Securities and Exchange Commission. Kelly Financial brings together a finely tuned team of professionals -- along with state-of-the-art technology -- all working to assist clients and families with strategies that focus on the accumulation, preservation and distribution of wealth. Now in its 15th year on WRKO, the firm's Safe Money Strategies radio show is co-hosted by Kelly Financial Services CEO, Kelly Kelly, and Boston journalist, John W. Budris. The program broadcasts each Saturday from 9:00 am to noon on WRKO 680 AM Boston. And catch their "Kelly Advisor" podcast found on the iHeartRadio app. Kelly Financial Services has received more than 50,000 calls, seated more than 12,000 seniors for its workshops and distributed more than 50,000 helpful work books. For more information, call us at 781-849-3090 or visit us at

We are Kelly Financial Services. Come retire with us.

Episode 44: Will NIL Translate Into New Income and Wealth for Young Athletes?

Episode 43:The Emotional and Financial Burdens of "The Sandwich Generation"

1. 31 percent of those identifying as part of the Sandwich Generation bear complete financial responsibility for their parents or in-laws.

2. A MassMutual study confirms the emotional and financial stress such dual roles place on families.

3.  Creating a financial plan can alleviate such burdens and still allow for retirement saving. 

Episode 42: The Surprising Status of Late-Boomer and Early Gen-X Wealth

More people are saving for retirement but they are not saving enough.
Late-boomer wealth continues to be impacted by The Great Recession of 2008-2009. 
An increase in Social Security's Full Retirement Age was a de facto cut in Social Security benefits.

Episode 41: Are you prepared for the emotional transition into retirement?

1. Studies are mixed about the effects of retirement on your mental health.

2. Having a plan in place may make the transition smoother. 

3. Addressing factors such as loss of work routine, loss of a robust social network, and loss of one's professional identity may help mitigate emotional stress points. Not to mention all the additional time to be spent.  

Episode 40: January 1, 2030: The Big Bang of Retirement Planning

  1. The greatest transfer of wealth in American history, approximately $84 trillion, has begun and will peak in the 2030s.
  2. Gen X will begin retiring next decade, just as Social Security and Medicare will likely need substantial reforms.
  3. A significant number of today's financial advisors will be exiting the business in the next ten years. 

Episode 39: It's Not Your Parents' Retirement Today

  1. The gold watch has been replaced by a green match (employers matching employee retirement contributions).
  2. 401(k)s were never intended to supplant pensions but they largely have done so. The burden of saving for retirement is now on the employee, not the employer. 
  3. A financial advisor can help people through the pitfalls of a DIY or do-it-yourself approach to retirement.

Episode 38: Longevity: America is growing older, faster.

1. A majority of Boomers want to age in place; only a fraction of their homes can accommodate those desires.

2. Plan ahead: The longer you live you become even more eligible for illness and accidents.

3. A a healthy couple retiring at age sixty-five could expect to pay around $300,000 over the course of retirement to cover health and medical expenses.

Episode 37: Legacy Planning is About the Future, Not the Past

  1. Legacy planning is not just for the fabulously wealthy; it's for anyone with assets of value to be gifted.
  2. A well-crafted and executed plan can make your beneficiaries' lives easier to manage in the future, personally and professionally.
  3. What's the difference between a will and a trust?

Episode 36: LTC Insurance Is Like A Financial Seatbelt

1. Seven out of every ten Americans who reach age sixty-five will need long-term care of some kind. 

2. LTCI premiums count as medical expenses and may potentially be paid with special tax considerations.

3. The burden of loved ones: 66 percent of caregivers use their personal assets like savings and retirement funds, to pay for a loved one's care.

Episode 35: Market Volatility is a Permanent Market Reality Today

  1. Managing through volatility and navigating around it is a necessity today in retirement planning.
  2. A diverse portfolio is still a sound strategy.
  3. Market volatility amplifies and accelerates risk, and likely affects investor behavior.