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Which states are best for retirement taxes? When moving to a state with a lower cost of living, is it wise to take on mortgage debt to invest in the market? Does it make a difference if you do a Roth conversion before or after moving to another state? Plus, is it better to do Roth conversions with ETFs or mutual funds? Is zero percent long-term capital gains “a hoax”? Also, ABLE accounts for those with disabilities, and healthcare costs vs. taxes as they relate to medical debt, health savings accounts (HSA), and high deductible health plans (HDHP).
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We’re halfway through 2021. Where do the financial markets stand? Pure’s Executive Vice President and Director of Research, Brian Perry, CFP®, CFA® provides an update and analysis of which markets led the way in Q2, the outlook ahead for stocks and bonds, and how to navigate higher market valuations and rising inflation. Transcription Andi: Thank […]
Pure Financial Advisors’ investment philosophy is founded upon two fundamental principles: The power of capital markets and time-tested industry research. At the core of this foundation stand seven pillars supporting our philosophy: – A research-driven approach – Harnessing the power of capital markets – Investing over speculating – Avoiding “timing the market” – Well structure […]
Question: I’m 46 and I want to start doing Roth conversions. Should I wait until I retire to avoid paying higher taxes or are there issues with putting it off? Watch the full episode, SECURE Act Savvy Make sure to subscribe to our channel for more helpful tips and the latest episodes of “Your Money, […]
Question: I’d like to retire next year at age 56, but I’m concerned that the tax penalty will eat away at my retirement account. Any suggestions? Watch the full episode, SECURE Act Savvy Make sure to subscribe to our channel for more helpful tips and the latest episodes of “Your Money, Your Wealth.”
Probably the biggest change in the SECURE Act was the repeal of the Stretch IRA. This provision used to allow your non-spousal beneficiaries (such as your kids or other beneficiaries that are not your spouse) to stretch their required minimum distributions over their lifetimes. Beginning in 2020, a beneficiary IRA must be depleted within 10 […]
Spitballing retirement readiness for Sean in Texas and for Little Al in Chantilly, VA, who has UK retirement funds and is desperate to quit work now. Plus, how can Doug in Missouri do some tax arbitrage with pensions, Roth conversions, and Social Security? Can Mary switch to her ex-spouse’s Social Security benefit? But first, Tyler in Ohio has questions about restricted stock units (RSUs) and net unrealized appreciation (NUA).
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Congress passed the largest retirement savings reform in more than a decade in December of 2019 when they passed the SECURE Act, the Setting Every Community Up For Retirement Enhancement Act. The Pension Protection Act in 2006 was the last major change. What do the SECURE Act changes mean for you, your ability to save […]
Would you be better off taking your Social Security benefits early? Matt Balderston, CFP®, AIF®, Founding Member and Senior Financial Planner at Pure Financial Advisors, explains why it might make sense to collect Social Security prior to full retirement age. Subscribe to our YouTube channel. IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are […]
How do you create a retirement income strategy that you can feel confident about? Nate Ritchison, CFP®, AIF®, Senior Financial Planner at Pure Financial Advisors, breaks it down into easy steps to follow for a successful strategy. Subscribe to our YouTube channel. IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure […]
Do you need a CERTIFIED FINANCIAL PLANNER™ professional? Is a financial advisor worth hiring? What does a fee-only fiduciary actually do, anyway? We get variations on these questions frequently, and now you can listen to Joe & Big Al’s answers from 2016 to the present, all in a single episode. Plus, how to measure CERTIFIED FINANCIAL PLANNER™ Professional performance, and when it’s time to part ways with your financial planner.
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Don’t be swayed by market volatility or your emotions when investing. Follow a sound investment strategy by: Determining your exposure to stocks Globally diversifying Using low-cost funds Rebalancing periodically, but staying invested Limiting tax exposure Adjusting as your lifestyle changes – NOT the economy Watch the full episode, Bridging the Retirement Gap at Any Age […]
How do you create a successful retirement plan? First and foremost you have to write it down! Determine your financial goals Gather documents and assess your current situation Construct a plan to reach your goals Implement your plan Monitor and adjust as needed Watch the full episode, Bridging the Retirement Gap at Any Age Make […]
I’m getting married this year. My fiance wants to convert a large portion of her traditional IRA to a Roth before we get married. Will we be taxed at her lower income rate or at mine? – Tom, Scripps Ranch Watch the full episode, Bridging the Retirement Gap at Any Age Make sure to subscribe […]
I want to retire early but I will need to have some income in retirement outside my retirement funds. Is investing in rental properties a good way to make sure I have money coming in? – Sylvia, Solana Beach Watch the full episode, Bridging the Retirement Gap at Any Age Make sure to subscribe to […]
