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How to Manage Financial Market Stress? With the Help of a Caddie

As the financial markets fall and then surge, Joe and Big Al talk about market timing, reallocating retirement contributions, and portfolio rebalancing. Plus, your questions answered on estimated taxes, Roth conversions, and the logistics of inheriting IRAs and passing assets on. Finally, how is a financial advisor like a golf caddie when markets get volatile? Joe and his Pebble Beach golf caddie buddy, Big G from the Real Life Caddie Podcast, discuss how their professional knowledge and experience can help the rest of us avoid big mistakes.

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04
OCT
2022
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Spitballing Retirement Planning in Your 40’s & 50’s

A compilation of some of Joe and Big Al’s retirement plan spitballing specifically for those in their 40s and 50s – a critical time on the path to retirement. Is your financial plan set up so you pay as little tax as possible? Does it take volatile markets and potential future tax increases into account? Have you got a strategy nailed down for Roth conversions, or backdoor Roth, or pension options? Maybe you’re making big decisions about what to do with your money between now and when you retire, like buying a house vs. saving for retirement? Are you comfortable with the retirement lifestyle you’re creating? Do you know what you’ll do with your time once you’re permanently off the clock? 

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27
SEP
2022
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SEASON 8, EPISODE 13

Don’t Google Your Way to Your Golden Years

Planning for retirement is one of the most important processes you will undertake in your life. Where are you getting advice for this critical process? Do you get caught up in the minute-to-minute headlines of what is driving the market, or how to invest in just the right stocks to get rich? Are you Googling […]

11
SEP
2022
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SEASON 8, EPISODE 12

Bear Market Money Mistakes

Money mistakes in a Bull Market versus a Bear Market can make the difference in the lifestyle you have in retirement. They each require their own strategies to make the most of your money. Do you know what they are? Joe Anderson, CFP®, and Big Al Clopine, CPA help you learn from the past, and […]

21
AUG
2022
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Inflation, Recessions, and Financial Markets | Q3 2022 Update and Outlook

Will the Fed get inflation under control? Is the economy headed into a recession? Will market volatility continue? Are there financial moves to consider making now? Pure Financial Advisors’ Chief Investment Officer and Executive Vice President, Brian Perry, CFP®, CFA® addresses all of these questions, and viewer questions, in this third quarter market review and […]

21
JUL
2022
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Should We Hold Off on Retiring Until the Markets Recover?

When the financial markets are down, should you postpone retirement? When inflation is up, should you change your investments and pile into things like value and commodities? Plus, the ever-popular retirement spitball analysis: an early retirement plan, Medicare, Social Security, TSP, and Roth conversions, and when and how business owners should convert $5.5M to Roth IRA. Also, if excess 2021 Roth contributions were returned, can you file last year’s taxes now without penalty? Finally, what’s the difference between a collective investment trust and regular mutual funds?

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12
JUL
2022
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  • Financial Planning
  • Investing
  • Risk Management

The Importance of Staying Invested Despite Market Volatility

During bull markets, it’s relatively easy to adhere to the philosophy of buying and holding for the long-term, but when markets get rattled, it can be difficult to stay the course while your portfolio falls in value. This has been the case recently, as fears around inflation, war, pandemics, central bank policy, and recessions have […]

27
JUN
2022
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Where to Find Retirement Income When the Stock Market Freaks Out

Equitable accumulators, cash management accounts, and Social Security: with today’s market volatility, how can you squeeze a few more dollars of income out of your retirement savings? Any reason not to use a robo-advisor for decumulation, in other words, spending down those savings? Plus, a pension retirement spitball follow-up, and is it possible to avoid tax liability on a lump sum withdrawal from a 401(k)? Finally, is Joe’s marriage the canary in the Coors Light Party Ball for YMYW?

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Free Financial Assessment

21
JUN
2022
LISTEN NOW

6 Money Strategies for Down Markets Depending on Your Goals

As bear market territory freaked out some investors, YMYW listeners were a bit more chill as Joe and Big Al spitballed on their specific strategies to manage the decline: does it make sense to move to cash inside your retirement account? How do down markets impact Roth Conversion decisions for older investors? What should your asset allocation be now, during market volatility, if you’re expecting a future windfall? How should you manage the relationship with your financial advisor if they buy high and sell low in your investment portfolio? Should you leave a partially vested pension to grow, or withdraw the money now and convert to Roth? What’s the best way to withdraw from an IRA in a down market?

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Free Financial Assessment

24
MAY
2022
LISTEN NOW
SEASON 8, EPISODE 5

Avoid Retirement Lotto: Crypto to ETFs – Volatile Markets

From the rise and fall of the individual stocks to get-rich-quick tales of crypto currencies – many people are looking for a short-term solution to a long-term planning problem… and playing the retirement lotto. Financial professionals Joe Anderson and Alan Clopine discuss ways to avoid the retirement lottery and they guide you through strategies for […]

24
APR
2022
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Russia and the Markets | Pure Financial Market Update

Russia and Ukraine, stock market volatility… learn how the latest events and market moves impact you. What could be next for the economy? What investment opportunities are available? Are there financial moves to consider making now? Brian Perry, CFP®, CFA® serves as Executive Vice President and Chief Investment Officer at Pure Financial Advisors. Questions Answered: […]

23
MAR
2022
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  • Investing
  • Risk Management
  • Financial Planning

Russia and Financial Market Volatility

As of this writing, the Russian invasion of Ukraine has been going on for more than two weeks. And while the two sides have discussed a ceasefire, they have made little headway into resolving the conflict so far. As a result, financial markets have been extremely volatile, and the longer-term economic implications are building. Russia […]

10
MAR
2022
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2022 Market Outlook: What’s Next for the Financial Markets?

Brian Perry, CFP®, CFA®, Chief Investment Officer at Pure Financial Advisors, provides a forecast of what the financial markets might hold in 2022. What could be next for the economy? What investment opportunities are available to you during volatile times? Are there financial moves to consider making now? Find out in this webinar. An open […]

27
JAN
2022
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How to Protect Investments Against a Stock Market Crash?

Joe & Big Al discuss various strategies to protect your portfolio from a stock market crash: stop losses, put options, collars, non-correlated alternative investments, and tax-managed buy-and-hold. Also: how should you measure financial advisor performance? How does tax-loss harvesting work? Are health savings accounts (HSA) tax-free? Is alternative minimum tax (AMT) a concern when moving Roth to an annuity? And our first “Dear Joe” question, in the Derails: how do you get your mother-in-law to stop smoking in your car without starting a fight? 

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Free Financial Assessment

08
JUN
2021
LISTEN NOW

Inflation, Variable Annuities, Real Estate: How to Invest Against Risk

Risk management investing strategies: is selling rental property and buying a variable annuity to reduce sequence of return risk and interest rate risk a good idea? Do small-cap or emerging markets have better risk-adjusted returns against market volatility? Should eREITs (non-traded real estate investment trusts) be in your retirement investments? Is RPAR Risk Parity ETF a good inflation hedge? Should you be tax gain harvesting in declining financial markets?

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Free Financial Assessment

13
APR
2021
LISTEN NOW
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