Retirement Classes Enrolling Now!

SIGN UP
Pure Financial Advisors
CALL CONTACT FORM CRS LOCATIONS LOG IN GET AN ASSESSMENT
  • Financial Resources
    • All White Papers
    • Blog
    • Educational Events
    • Educational Videos
    • Free Assessment
  • Retirement Workshops
    • Denver Workshops
    • Digital Workshops
    • Los Angeles Workshops
    • Orange County Workshops
    • San Diego Workshops
    • Seattle Workshops
  • Financial Planning
    • Cash Flow Analysis
    • Estate Planning
    • Retirement Planning
    • Risk Management Consulting
    • Tax Planning
  • Investment Planning
    • Global Portfolio Diversification
    • Institutional Access
    • Investment Portfolio Asset Allocation
    • Our Investment Philosophy & Investment Best Practices
    • Portfolio Rebalancing Services
    • Tax Management Services
  • The Pure Difference
    • Contact Us
    • Fees
    • Locations
    • Meet the Team
    • News
    • Our Story
  • Your Money, Your Wealth
    • All Podcasts
    • All TV Episodes
    • All TV Shorts
    • Ask Joe & Al
    • Guests
    • Special Offer

More

10 Ways SECURE Act 2.0 Changes Your Taxes and Retirement Planning

The SECURE Act 2.0 of 2022 contains over 100 retirement and tax-related provisions that may affect you and your financial plan for the future. Schedule your Tax Reduction Analysis now! In this webinar, Pure Financial Advisors’ Tax Planning Manager, Amanda Cook, CPA, JD reviews some of the most immediate changes that will impact your retirement […]

17
FEB
2023
READ MORE

Markets Don’t Care If News is Good Or Bad: Q1 2023 Financial Market Outlook & Review

How is inflation like Star Wars, and can the Fed tame it? What happened in the financial markets in 2022 and why do they perform better when people feel bad? Is the classic “60/40” stocks/bonds asset allocation model broken? Pure Financial Advisors’ Executive Vice President and Chief Investment Officer Brian Perry, CFP®, CFA charter, AIF® […]

26
JAN
2023
READ MORE

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. 

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

17
JAN
2023
LISTEN NOW

End of Year Tax Planning: 7 Strategies to Reduce Your 2022 Taxes

Learn how recent tax legislation and proposals impact you, your family, and your retirement savings, and strategies that can help you reduce your tax liability as you plan for a successful retirement. Pure Financial Advisors’ Tax Planning Manager, Amanda Cook, Esquire, CPA, and learn how to take advantage of tax-saving opportunities available to you. Outline […]

17
NOV
2022
READ MORE

Will Your Retirement Savings Last Until You’re 90 Years Old?

Are you behind on your retirement savings? What do you need to do to catch up? If you retire in just a few years, will your money last until age 90? Based on the 5-year Roth withdrawal rules, do you need to open a new Roth IRA for each Roth conversion? Plus, Joe and Big Al spitball a health insurance, capital gains, and real estate strategy to save more money and have more wealth in retirement. Finally, they revisit the SECURE Act rules for withdrawing money from an inherited IRA, and Social Security income limits. 

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

LISTEN on Apple Podcasts | Google Podcasts | Stitcher | Player FM

FOLLOW US: YoutubeFacebookTwitterLinkedIn

01
NOV
2022
LISTEN NOW

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.

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

LISTEN on Apple Podcasts | Google Podcasts | Stitcher | Player FM

FOLLOW US: YoutubeFacebookTwitterLinkedIn

04
OCT
2022
LISTEN NOW

Can We Retire Early? Investing and Retirement “Rothification”

Will the Senate pass the SECURE Act 2.0, and will it require a Roth option for retirement savings? Plus, “pandemic unemployment” from the CARES Act and the earned income tax credit. Next, are you eligible to make Roth contributions, and should you contribute only to Roth for retirement? Then, the pros and cons of consolidating retirement accounts, and some early retirement spitball analyses. When you plan to retire early, should you invest in dividend-paying stocks or real estate? And finally, is the bucket investing strategy really that complicated? 

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

Free Financial Assessment

12
APR
2022
LISTEN NOW

Dollar-Cost Averaging, Small Cap, and Stable Value Funds

What exactly are dollar-cost averaging and reverse dollar-cost averaging? Joe and Big Al explain as they answer questions about paying Medicare premiums with HSA funds, and ETFs vs mutual funds when dollar-cost averaging into small-cap value funds. Plus, why would you want to reduce the stock allocation in your emergency fund, and should a stable value fund be part of your portfolio? Is it possible to “re-identify” an inherited IRA as a spousal IRA to change the RMD calculation? Is the section 162 executive bonus plan just whole life insurance? And finally, Joe’s past comes back to haunt him with 9 cats, a neurotic beagle, and 200 IRAs.

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

Free Financial Assessment

01
MAR
2022
LISTEN NOW

Should You Invest in the Stock Market or Buy Real Estate?

You’ve saved money for a house downpayment. Should you invest it in the stock market until you’re ready to buy that property? Should a young saver take as much investing risk as possible, or buy a condo? Plus, the tax efficiency of robo-advisor brokerage account withdrawals, backdoor Roth conversions under the Build Back Better Act, using a charitable remainder trust to avoid inherited IRA tax under the SECURE Act, and listener comments on our pension and capital gains compilation episodes. 

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

Free Financial Assessment

11
JAN
2022
LISTEN NOW

Spitballing Retirement and the Build Back Better Tax Proposal

Should those in the 35% tax bracket contribute to traditional 401(k) or Roth 401(k)? Should a self-employed cryptocurrency investor do Roth conversions or tax gain harvesting? Also, a retirement spitball for a couple, age 35, wanting to retire with $5M at age 60. Plus, do the SECURE Act rules for required minimum distributions (RMDs) apply when inheriting an inherited IRA? Finally, comments on some of the proposals in the latest version of the Build Back Better Act, which is currently being considered by the Senate.

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

Free Financial Assessment

14
DEC
2021
LISTEN NOW

Where to Locate Assets for Tax Efficiency Without Compromising Growth?

Asset location: how to position assets to pay less tax without sacrificing investment growth? Should young folks contribute all of their retirement savings to Roth accounts? Also, conversations (not advice) on a self-employed defined benefit plan vs. pass-through profits, gifting tuition for education, making Roth conversions with a special needs child in mind, a correction on inherited Roth IRAs, and plenty of entertaining listener comments and Derails. 

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

Free Financial Assessment

24
AUG
2021
LISTEN NOW

Ask the Experts: Roth Conversion in Retirement

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, […]

15
JUL
2021
READ MORE

Ask the Experts: Retiring Early Tax Penalty

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.” 

14
JUL
2021
READ MORE

SECURE Act: Stretch IRA Rules

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 […]

13
JUL
2021
READ MORE

SECURE Act: RMD Changes

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 […]

12
JUL
2021
READ MORE
Load More

We’ve Got You Covered

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.

GET AN ASSESSMENT

Find What You Are Looking For

Looking for a video on a specific topic? We can help you find it.

Investing ()
Retirement Planning ()
Retirement ()
Taxes ()
Social Security ()
Other Topics
Continue
Link

Financial Planning

It all starts with a plan. Explore how our trusted advisors can help you with your financial plan today.

Learn More
Link

Investment Planning

Grow your wealth through generations. Learn how Pure Financial invests for your future.

Learn More
Link

Experience the PURE Difference

Get Your Free Assessment

Sign Up for Our Newsletter

Your information is secure.

Give Us a Call:

1 (866) 876-7873

Quick Links:

  • Careers
  • Contact Us
  • Designations and Certifications
  • Form ADV 2A
  • Partner with Pure
  • Pure Financial App
  • Cookie Policy
  • Privacy Statement

Connect with Us:

  • Youtube
  • Twitter
  • LinkedIn
  • Facebook
Back To Top
Refunds available upon written notice  
© Copyright 2023. Pure Financial Advisors, LLC. All rights reserved.
Manage Cookie Consent
We use cookies to optimize our website and our service.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage vendors Read more about these purposes
View preferences
{title} {title} {title}
Manage Cookie Consent
We use cookies to optimize our website and our service.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage vendors Read more about these purposes
View preferences
{title} {title} {title}
CLOSE
CLOSE
CLOSE

Your information is secure.

CLOSE

Subscribe to YMYW

YMYW Email Newsletter
YMYW on YouTube
YMYW Podcast
CLOSE
CLOSE
X
ALL LOCATIONS

JOB DESCRIPTION

CLOSE

Ask Joe & Big Al on Air

Do you have a question for Joe & Big Al? Ask them on air. Ask your question below or call us directly at 1-888-994-6257.

CLOSE

Special Offer

Submit the form to claim your offer.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Sign Up for a Class

Join us for a financial planning course designed to help you make knowledgeable decisions and prepare for your future. We cover a wide range of topics and answer the most common questions about retirement.

Plan for your retirement today and secure a better future for tomorrow.

Click here to sign up today!
CLOSE

Get Your Chili Piper Test

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Congress Approves The SECURE Act

For more information on what you need to know about The Secure Act, download your white paper here! Submit the form below or call us directly at 1 (866) 876-7873.

  • Hidden
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Get Your Free Assessment

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE
CLOSE

Get Your Free Assessment

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

 

CLOSE

Join Our Market Newsletter

Let us help you stay up to date on the latest news, analyses and insights into the financial matters that mean the most. Take control of your financial future, Sign up today!

Your information is secure.

CLOSE

We’ll do our best to respond within two business days. Submit the form below or call us directly at 1 (866) 876-7873.

Your information is secure.

CLOSE

White Papers

Download your white paper here! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Request ADV

The ADV brochure provides information about the qualifications and business practices of Pure Financial Advisors, LLC. Submit the form below or call us directly at 1 (866) 876-7873.

Your information is secure.

CLOSE

Secure Client Login

Pure Financial Advisors provides links for secure access to view your comprehensive personal financial plan, your private document vault and your investment performance reports through this web page. We want you to feel completely organized and in control of your finances. Your planner is always here to help as your personal financial coach.

Financial Plan & Vault

Investment Performance

CLOSE

Talk to an Advisor

Your path to personalized financial advice starts here. Submit the form below or call us directly at 1 (866) 876-7873 to see how one of our trusted advisors can help you.

  • Hidden
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

YMYW Newsletter

Listen to the latest episodes of the Your Money, Your Wealth® podcast free, on-demand, delivered right to your email inbox! Watch new episodes of the Your Money, Your Wealth® television show as soon as they’re available!

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Your Money, Your Wealth

Join the YMYW Newsletter!

Sign up today and receive highlights from
Your Money, Your Wealth® once a week.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

NO THANKS