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Purefinancial
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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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 […]
Learn how making a budget, having a written financial plan, and implementing sophisticated strategies to lower your taxes can help you create a healthy retirement. In this webinar, Joe Schweiger, CFP® from Pure Financial Advisors provides insight into evaluating the limits on your finances, and he answers your most critical retirement questions. Free Resources mentioned […]
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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What one thing can you do today to change the course of your financial future? Having a written financial plan can dramatically increase the chances you’ll reach your retirement goals. Yet, according to Schwab, only 33% of Americans have one! A One-Page Financial Plan helps distinguish the overlap of things that are actually important and […]
What’s the next move for a 22-year-old who wants to retire early at 50? Can another YMYW listener afford to retire by the ocean in 10 months? Can Flowergirl and her husband AND her boyfriend retire next year? Joe and Big Al also check extensive retirement spitball math sent in PDF format. Plus, what are the fellas’ philosophies on single vs. married tax rates when one spouse passes, and how does high state income tax impact a retirement strategy?
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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 […]
If a fortunate equity event or liquidity event should cause your income to skyrocket, what will that do to your taxes? Joe and Big Al spitball tax strategies to help you manage this good problem to have. Plus, Backdoor Roth, contributions, conversions, and income limits explained, converting twelve and a half million bucks to Roth, and what happens to retirement accounts when you pass – will there be a tax bill due? Kicking it off with the 7-twelve portfolio – what is it?
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The vast majority of Americans have not spent the time and resources necessary to ensure a healthy and financially successful retirement – that’s the bad news. The good news is that for most of us, there is still time to update your financial plan and goals to give us all the best chance at a […]
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 […]
Setting up your saving and investing strategies when you’re in your 30s can put you on a good path to meeting your retirement goals. Joe and Big Al revisit their financial spitballing over the last couple of years specifically for savers and investors in their 30s and even 20s, some of whom want to retire early.
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When you retire and when you actually stop working may be two different things. How can you get a raise when you’re working for a startup in retirement? Should you do Roth conversions before or after you quit working? Plus, find out what Joe and Big Al think about a 529 and series I bond gifting strategy, and using whole life insurance to transfer wealth to the kids.
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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, […]
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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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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