More Posts
How to create a conservative growth portfolio: Risk vs Return & Asset Allocation Watch the full episode, Protecting Your Retirement Income Make sure to subscribe to our channel for more helpful tips and the latest episodes of “Your Money, Your Wealth.”
The unfortunate truth is medical costs tend to increase as we get older. Medicare coverage is an important part of your plan for health care. There are four parts of Medicare and they typically start at age 65. It’s important to emphasize that Medicare does not include long-term care coverage. AARP did a study in […]
There are times when people retire and realize they don’t have a sustainable retirement income plan. If that were to happen to you, here are some things to improve your plan: Carefully review expenses for cost savings Look for part-time work Consider downsizing your home Reverse mortgage or refinance your loan (for a lower payment) […]
Generally, you should plan to have a sustainable withdrawal rate – 4% is a good place to start, but it could be a little higher if you plan to retire near 70, or it should be lower if you plan to retire near 60. Sometimes it’s good to have a dynamic withdrawal plan based upon […]
Holding different asset classes in taxable, tax-deferred and tax free accounts can help you keep more of the investment growth and pay less in tax. Subscribe to our YouTube channel. IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. […]
There are 3 primary reasons to rebalance your investment portfolio: Reset the Risk Allocate New Money Retirement Distribution Subscribe to our YouTube channel. IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. […]
Since many people underestimate their life expectancy, often they overspend their savings. Outliving your money can be a very real possibility if spending is too high compared to retirement assets. At or near retirement, it’s important to do a reality check on your portfolios to see if you can sustain your lifestyle for 25 to […]
Question: I’m deciding whether to buy a condo and have my son as a renter (so it cash flows) or just putting the money in the stock market. Which investment generally gets a better rate of return just from a numbers standpoint? Greg, Del Mar Watch the full episode, Stress-Test Your Retirement Plan Make sure to […]
Question: I’m concerned the market is overvalued and I want to sell my highest-valued tech stocks now. I’m not retiring for another 3 or 4 years. Do I reinvest in stocks when the prices come down or invest in something less risky now? Laura, Mira Mesa Watch the full episode, Stress-Test Your Retirement Plan Make sure […]
Question: I’m trying to figure out how to fund my kid’s college education which starts next year. Should I refinance my home or is there a better solution? – Lori, Point Loma Watch the full episode, Financial Football: Get in the Game Make sure to subscribe to our channel for more helpful tips and the […]
Our lives don’t always go according to plan when you consider job losses, funding college for kids or maybe just simply living too high on the hog. Sometimes you just have to throw a Hail Mary in hopes of recovering. Fortunately, our Hail Mary strategies can help everyone to make their retirement years better… Catch-up […]
Let’s spend some time on how to determine your exposure to the market in retirement and figure out your appropriate risk profile in retirement as well basic points on how to generally construct a portfolio. Watch the full episode, Financial Football: Get in the Game Make sure to subscribe to our channel for more helpful […]
Let’s talk about some basic investment principles to consider for your retirement portfolio: Control What You Can Control Exposure to Stock Market Investment Fees that you Pay Income Taxes Prudent Investment Strategies in Retirement Globally Diversify Use Low-Cost ETFs or Funds Stay Invested – Don’t Market Time Determine Your Exposure to the Stock Market Watch […]
It’s never too late to start and make your future retirement lifestyle better. You have probably heard that you should start saving early and steadily throughout your career. Here is why: compound interest multiplies your retirement savings exponentially. Albert Einstein once said, ‘Compound interest is the eighth wonder of the world. He who understands it, […]
So much of what makes a successful team also leads to success in life. Great teams don’t just materialize on the field each year. It is what they do off the field that allows them to excel on game day. The same is true for you in your financial goals. If you have a good […]
