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SEASON 8, EPISODE 11

Rock Your Retirement With Roth

One of the most powerful retirement tools that Congress has ever given taxpayers is the Roth, but not everyone is taking advantage of its big tax benefits. Many say they don’t even know investing in Roth is an option, much less how to maximize its advantages. Whether your workplace has the Roth option or not, […]

07
AUG
2022
WATCH NOW

Save for a Home or Save for Retirement?

Should you save for a house down payment or invest for retirement? How much long term capital gains tax do you pay on a rental property when you sell it after 20 years, and how does a 1031 exchange work? Also, opening a Roth IRA with the Backdoor Roth strategy, and the 5 year Roth withdrawal rules explained. Plus, a couple retirement spitball analyses: are you saving too aggressively for retirement? Can you avoid the Medicare IRMAA, or income related monthly adjustment amount, and high taxes from required minimum distributions?

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02
AUG
2022
LISTEN NOW

Pay Tax on This Move Now to Potentially Have More to Spend Later

The time may be right for a giant Roth IRA conversion, especially now while the market is down, to potentially give you more money to spend in retirement. How does that work with long-term capital gains and dividends, and how much should you convert to Roth, and when, and how? Plus, deciding how to invest 529 plan college savings, whether to save to pre-tax or post-tax retirement accounts, and the ever-popular Backdoor Roth strategy. 

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LISTEN on Apple Podcasts | Google Podcasts | Stitcher | Player FM

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26
JUL
2022
LISTEN NOW

The Ultimate Guide to Roth IRAs

Updated for 2022 Interested in a retirement account that will expand your finances tax-free? Learn everything your need to know about Roth IRAs in this white paper. In this guide, you’ll learn… What a Roth IRA is and the benefits Differences between a Roth IRA and Traditional IRA Rules of Roth IRA contribution limits Roth […]

21
JUL
2022
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Roth Conversion Retirement Spitball Analysis

Does it make sense to do larger “Calvin Johnson” (Megatron, aka mega backdoor) Roth conversions when the financial markets are way down? Should you convert to Roth now, or in retirement? How do you spitball the right amount to have in 529 plans for education savings? And are the rules for doing a backdoor Roth the same if you’re married filing separately?

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Free Financial Assessment

26
APR
2022
LISTEN NOW

Why Is It So Difficult to Time the Market?

How statistically and practically difficult is market timing? What factors should you consider when choosing large-cap value funds? Should a $100,000 inheritance be invested in tax-deferred, taxable, or tax-free accounts? Plus, Backdoor Roth vs. Roth conversions; rules, limits, and strategies for 401(k) and IRA contributions; moving retirement money between custodians like Vanguard and Fidelity; and some negative but very entertaining listener comments.

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Free Financial Assessment

08
MAR
2022
LISTEN NOW

Roth Conversions vs. Roth Contributions

Should you use money intended for Roth contributions to pay the tax on Roth conversions instead? Does the IRS really penalize ineligible Roth contributions? How will a mega backdoor Roth contribution be taxed, and will the step transaction doctrine apply? Are family Social Security benefits affected if the spouse works? Plus, $1800 a month for life, or $2600 a month for 10 years? Joe and Big Al spitball retirement pension options and they take your comments.

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Free Financial Assessment

22
FEB
2022
LISTEN NOW

Early Retirement, Roth Conversion Tax: YMYW Best of 2021

Early retirement, backdoor and mega-backdoor Roth conversions, paying the tax on a Roth conversion, asset location, and more: it’s the most important topics from our most popular podcast episodes and YouTube videos of 2021. Plus, the most “impactful” listener comments of the year, and the funniest Derails of 2021 in real time! 

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Free Financial Assessment

25
JAN
2022
LISTEN NOW

Should You Invest in the Stock Market or Buy Real Estate?

You’ve saved money for a house downpayment. Should you invest it in the stock market until you’re ready to buy that property? Should a young saver take as much investing risk as possible, or buy a condo? Plus, the tax efficiency of robo-advisor brokerage account withdrawals, backdoor Roth conversions under the Build Back Better Act, using a charitable remainder trust to avoid inherited IRA tax under the SECURE Act, and listener comments on our pension and capital gains compilation episodes. 

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Free Financial Assessment

11
JAN
2022
LISTEN NOW

Estate Planning, Social Security, and TSP Roth Conversions

Is there a step up in basis on, and advantage to, a joint-tenants-with-rights-of-survivorship brokerage account? Is a charitable remainder trust a good way to liquidate property, and what would be the rate of return on it over 20 years? Is there a point to Roth conversions when leaving your entire estate to charity? Should you name your trust as the beneficiary on your retirement accounts? How do ex-spouse and survivor Social Security benefits work? When should you draw from the three-legged stool of Social Security, pension, and annuity in retirement? Plus, Roth conversions from a thrift savings plan (TSP).

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Free Financial Assessment

09
NOV
2021
LISTEN NOW

How to Pay the Tax on a Roth Conversion

Learn the basics of Roth IRA conversions, how to calculate the tax on a Roth conversion, when to pay the tax, and more. Plus, ideas for what to do with unused 529 plan education savings funds, rules for 401(a) accounts, understanding the alternative minimum tax, the latest tax proposals, how to calculate employer solo 401(k) contributions – and that’s just the tip of the iceberg.

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Free Financial Assessment

26
OCT
2021
LISTEN NOW

Working or Retiring Abroad and Early Retirement Spitball

Questions answered on retiring overseas and foreign earned income exclusion eligibility, using your tax refund thanks to the foreign earned income exclusion for a back door Roth conversion, and working abroad and contributing to a health savings account (HSA). Plus, should you contribute to Roth accounts, pre-tax accounts, or a brokerage account when nearing early retirement? Are substantially equal periodic payments (SEPP) from your retirement savings a good idea to bridge the gap between retiring early and age 59 and a half? And finally, is it ever a good time to time the market?

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Free Financial Assessment

28
SEP
2021
LISTEN NOW

It Could Be Over for the Mega Backdoor Roth IRA

Joe and Big Al outline the House Ways and Means Committee’s sweeping tax proposal that would impact Roth contributions, Roth conversions, RMDs, the backdoor Roth IRA and mega backdoor Roth (Megatron), marginal and capital gains tax rates, wash sale rules, and more. Plus, they answer your questions on safe retirement income and withdrawal strategies, current wash sale rules, when NOT to do a Roth IRA conversion, and solo 401(k) retirement savings for self-employed small business owners.

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Free Financial Assessment

21
SEP
2021
LISTEN NOW

Early Retirement: Can You Afford to Retire Now?

William has investing experience, money in the bank, and a retirement plan. Is he ready for early retirement at age 59 and a half? Plus, BRRR real estate investing and Roth IRA, Backdoor Roth conversions, and “Megatron” Roth contributions. Also, capital gains vs ordinary income, and are restricted stock units (RSU) ordinary income? Do they impact Social Security benefits? When can you collect spousal Social Security?

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Free Financial Assessment

06
APR
2021
LISTEN NOW

Firefighters’ Retirement Plan Spitballing, Annuities, and RMDs

Spitballing firefighters’ retirement: deferred option retirement plans (DROP), HSA (health savings) vs. HYSA (high yield savings), and hear why YMYW always comes back to backdoor Roth IRA. Speaking of Roths, can you do a Roth conversion ladder with inherited IRA money? The fellas also break down required minimum distributions (RMDs) and they talk (or in Joe’s case, rant) about variable annuities and indexed annuities.

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Free Financial Assessment

23
MAR
2021
LISTEN NOW
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Whether you’re nearing retirement, in retirement, had a life-altering event or need investment advice, Pure Financial’s fee-only fiduciary financial advisor team helps craft an investment strategy and retirement plan based on the best interest of your financial goals.

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