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At Pure, our finance white papers cover a wide range of topics involving the financial and investment industry as a whole. These educational guides are written by experienced professionals that have extensive knowledge on these topics. Whether you are looking to learn the very basics of finance or want to dive deep into tax planning, we have something for you. These financial services white papers can also help you develop a proper financial, retirement, or estate strategy to help you secure a bright future. Make financial planning easier by educating yourself with our wealth management white papers.

Mutual Funds vs. ETFs, SECURE 2.0, & Capital Gains Strategies

Are low-cost mutual funds or ETFs better investments in a tax-advantaged account? Also, more strategizing from that SECURE Act 2.0 529 plan provision, the pros and cons of selling a rental house now or holding it until you pass, and an easy-breezy self-employed retirement account that’s better than a SEP IRA. Plus, will municipal bond income bump you into a higher tax bracket? Can you avoid capital gains tax by investing less aggressively over time?

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14
MAR
2023
LISTEN NOW
SEASON 9, EPISODE 2

SECURE 2.0 Circus

Saving for retirement can be a bit of a three-ringed circus but Joe Anderson, CFP®, and Big Al Clopine, CPA have your ticket to the show! Whether you’re retired, saving for retirement, in the military, or paying off student loans, SECURE 2.0 is a massive shift in investment policy, designed to motivate and enable people […]

12
MAR
2023
WATCH NOW

SECURE 2.0 Circus

Saving for retirement can be a bit of a three-ringed circus. Now that Congress has made a massive shift in investment policy by signing Setting Every Community Up for Retirement Enhancement or SECURE 2.0 into law, it can be more confusing than ever. While the specifics can be overwhelming, the goal is simple: to help increase access and […]

09
MAR
2023
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“Will I Ever Be Able to Retire?”

If you have some savings but can’t contribute any more, will you ever be able to retire? Joe and Big Al have three simple strategies to help you get there. Plus, how long does it take to get off of Medicare’s monthly income adjustment amount (IRMAA) after your income decreases at retirement, and how do you take unknown future IRMAA income limits into account when setting up your financial plan? Can you “re-do” Social Security and stop taking benefits after claiming Social Security early? Do spousal benefits change after one spouse files for Social Security? And finally, the fellas address a few corrections they’ve received recently regarding Medicare and safe harbor 401(k) plans. What exactly is “top-heavy” anyway?

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28
FEB
2023
LISTEN NOW

SECURE 2.0, FIRE, Tax Arbitrage & Roth Retirement Spitball

With the new SECURE Act 2.0 rules regarding retirement savings contributions, should your company match go into the traditional or Roth 401(k)? Joe and Big Al also discuss whether you can or should do Roth conversions when your company fails non-discrimination testing for highly compensated employees, the mega backdoor Roth vs. the employee stock purchase plan, and they spitball a tax arbitrage strategy. Plus, a retirement spitball for a 37-year-old couple wanting to retire in their 60s, and another couple wanting to FIRE (financial independence/ retire early) – but are they screwing up and creating a huge future tax bill? 

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07
FEB
2023
LISTEN NOW

Secure 2.0: RMD Remodel | Financial Tip

It’s crucial to know how the new RMD rules will impact you to properly plan your finances in the future. Jeff Brecht, CFP®, AIF®, Pure Financial Planner, Los Angeles branch, points out the new RMD changes with the passing of the SECURE 2.0. FREE GUIDE | The SECURE Act 2.0 Guide Transcript For retirees or […]

06
FEB
2023
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Secure 2.0: Reboot Retirement Savings

Secure 2.0 aims to expand coverage and increase retirement savings for employees. Peter Stokes CFP®, AIF®, Pure Financial Planner, Los Angeles branch, covers the key retirement provisions and how they may effect you. FREE GUIDE | SECURE Act 2.0 Guide Transcript The Secure 2.0 act is now law. The legislation provides a slate of changes […]

06
FEB
2023
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SECURE Act 2.0 & Retirement Rich, Cash Poor

Joe and Big Al are back with a SECURE Act 2.0 recap and a proposed backdoor 529 plan strategy from the new law. Plus, is there a scenario where it makes sense to not max retirement accounts, to avoid being retirement rich and cash poor? Also, the fellas’ thoughts on a break-even point for Social Security, required minimum distributions (RMD) from inherited IRAs, and of course, Roth IRA strategies: as in, the 5-year rules for Roth withdrawals, preserving Roth money and avoiding early withdrawal penalties, and Roth conversions to offset brokerage account losses. 

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17
JAN
2023
LISTEN NOW

The SECURE Act 2.0

The Setting Every Community Up for Retirement Enhancement Act, or the SECURE Act, was included in a bill passed by Congress in December 2019, becoming effective on January 1, 2020. At the end of 2022, President Biden signed a $1.7 trillion bill into law. The Secure Act 2.0 comes with a lot of retirement and […]

04
JAN
2023
READ MORE

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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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