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Medicare IRMAA, Roth Pro-Rata, & Real Estate Strategies

Joe and Big Al attempt to clearly and succinctly explain modified adjusted income for Medicare and IRMAA, and the pro-rata and aggregation rules for Roth conversions. Will a combat zone TSP transfer be subject to those rules? Plus, joint tenants with rights of survivorship vs. transfer on death for a brokerage account, reducing taxes on the sale of a timeshare, how much to spend on home improvements, and using a reverse mortgage instead of long-term care insurance. And wait ’til you hear the fellas’ thoughts on the best way to pay the least amount of tax when you cash out your retirement savings to buy gold and silver.

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31
JAN
2023
LISTEN NOW
SEASON 8, EPISODE 18

Financial Facts vs. Fiction: The Truth May Shock You!

Growing your wealth and crafting the lifestyle you want in retirement begins with some basic assumptions. Are you basing your entire financial plan on facts or fiction? Many people don’t even know where to start, much less what is true or false. In many cases, the misconceptions are largely considered facts! In this episode, Joe […]

12
NOV
2022
WATCH NOW
SEASON 8, EPISODE 17

Medicare Check-Up: Keep Your Retirement Plan Off Life Support

Are health care costs threatening to put your financial plan for retirement on life support? If you overlook this important aspect of retirement planning, it could throw off your entire financial bottom line. Every day about 10,000 Americans turn age 65, at which point they qualify for Medicare. But for many retirees, Medicare enrollment is […]

30
OCT
2022
WATCH NOW

Top 10 Medicare Questions Answered

Understanding Medicare is an important part of any retirement plan. In this webinar, Jeffrey Riego and Diane Gaswirth of UnitedHealthcare answer 10 common Medicare questions: What is Medicare?  Who can get Medicare?  Do I need Medicare if I plan to work past 65?  What does Medicare cover?  Where can I get more coverage? What does […]

27
OCT
2022
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Medicare vs. Medicaid – What’s the Difference?

A lot of people find themselves confused about the difference between Medicare and Medicaid. Pure Financial’s Chief Financial Planning Officer, Susan Brandeis, CFP®, goes over what the differences are, who is eligible, and what you get with each – making it a little easier to understand so you can decide which coverage is right for […]

14
OCT
2022
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Medicare Checkup Guide

Every day about 10,000 Americans retire. Unfortunately, far too many retirees don’t realize that their retirement plan is on life support right from the start because they’ve estimated their financial needs with numbers that are far from the reality they’ll face once they’ve clocked out for the last time. When it comes to planning for […]

03
OCT
2022
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Top 5 Medicare Mistakes to Avoid | Financial Tip

Navigating Medicare if you are not familiar with it, can be a little tricky. Pure Senior Financial Planner, Robert Canavan, CFP®, AIF®, covers 5 challenges that he sees clients deal with as they sign up for Medicare – hopefully pointing these out will make your experience a little smoother. FREE GUIDE | Medicare Checkup Guide […]

03
OCT
2022
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Medicare Plans: Costs and Coverages

There are three parts to Medicare that you are required to enroll in, and a fourth that is optional but most people enroll in. Pure Senior Financial Planner, Nathaniel Ritchison, CFP®, AIF® will give a brief overview of the costs and benefits of the different Medicare plans. FREE GUIDE | Medicare Checkup Guide Transcript Medicare […]

03
OCT
2022
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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
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Understanding Medicare: Coverage and Costs, Enrollment, and Resources | Medicare Made Clear

Get educated on Medicare and your coverage options with Jeffrey Riego and Diane Gaswirth from United Healthcare Medicare Solutions in this webinar, presented by Pure Financial Advisors. Download the slide presentation. Learn: The A’s, B’s, C’s and D’s of Medicare: coverage and costs of each part Coverage options in addition to Original Medicare Enrollment timelines […]

27
OCT
2021
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Medicare, Social Security, and FIRE Early Retirement

How to calculate your modified adjusted gross income (MAGI) for Medicare IRMAA, calculating your Social Security benefit when you’re planning to FIRE (that is, reach Financial Independence and Retire Early), calculating family Social Security benefits when you have minor children, and devising a strategy to qualify for the Obamacare Affordable Care Act subsidy. Plus, doing Roth conversions prior to early retirement, and untangling stock options, long-term incentives, and restricted stock units.

REGISTER NOW | MEDICARE MADE CLEAR Webinar

Wednesday, October 20, 12 pm PDT (free online event!)

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Free Financial Assessment

19
OCT
2021
LISTEN NOW

Roth Conversions, Medicare, and Required Minimum Distributions

Do Roth IRA conversions increase Medicare premiums? How can you convert to Roth and stay below the IRMAA threshold (that is, Medicare’s Income-Related Monthly Adjustment Amount)? Also, a Roth conversion strategy to account for RMDs, those 5-year rules for withdrawing from your Roth depending on whether you’re over or under age 59 and a half, and “how much should I have in a Roth to be in a low tax bracket in retirement?”

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Free Financial Assessment

29
JUN
2021
LISTEN NOW

Social Security, Medicare, HSA and Roth Conversions

Find out just how intertwined healthcare and retirement really are as Joe and Big Al answer your questions about Social Security and Medicare, Health Savings Accounts (HSA) and Medicare, and the impact required minimum distributions from IRAs have on Medicare premiums. Plus, they also answer questions on strategies for Roth IRA conversions and Social Security, […]

02
FEB
2021
LISTEN NOW

Social Security, Medicare and Real Estate

Wrapping up the longest year in history with your questions about means-testing for Social Security, healthcare when one spouse is on Medicare, and how Roth conversions affect your Social Security and Medicare costs, aka IRMAA, the Medicare Income-Related Monthly Adjustment Amount. Plus, the fellas answer more of your real estate questions: can you avoid capital […]

29
DEC
2020
LISTEN NOW

Should You Pay Off the Mortgage? First Consider Your Tax Strategy

If you’re thinking of paying off your mortgage, Joe and Big Al can help you walk through your investing and tax strategy first. Plus, after maxing out your retirement accounts and health savings account (HSA) and owning rental real estate, how else should you save for retirement? (Hint: brokerage account.) As a self-employed small business […]

01
DEC
2020
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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