matt horsley cfp

What Are the Benefits of Working with a CERTIFIED FINANCIAL PLANNER™?

Matt Horsley shares the benefits of working with a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional by explaining the process for achieving a CFP® credential and also sharing what areas of financial planning a CFP® professional focuses on. At Pure Financial, we only recommend that you work with a CFP® to show that the advisor is properly adequate to handle your finances … Read more

Matthew HorsleyMatthew Horsley

What You Need to Know Before Choosing a Financial Advisor

Joe and Al start the hour answering frequently asked investing questions then explain key factors to look for when choosing a financial advisor. Should you choose a fee-only or fee-based advisor and does it matter if they follow the fiduciary standard? Find out.

2:27 “I’m currently employed by two employers, which brings my yearly income to $170K. I understand my … Read more

How DOL Fiduciary Rule Change Will Impact Retirement Accounts

The fiduciary rule change will bring some changes to the financial planning industry. Hosts discuss what the new rule could mean for your savings, then switch the conversation to tax reduction strategies.

0:46 “If you’re not familiar with a 529 plan, it’s a college savings plan that you can invest after-tax dollars that will grow 100% tax-free if it’s used … Read more

Your Money, Your Wealth Hr. 1

Joe and Big Al discuss today’s financial planning landscape and why they chose to start Pure Financial. Big Al breaks down a few of the presidential candidates’ tax plans. Plus, why women are better savers and investors than men.

2:23 “Everyone needs a financial plan. Everyone absolutely needs a financial strategy to make sure they know what they need to … Read more

Your Money, Your Wealth Hr. 2

In this podcast, find out how to choose the best financial advisor for your personal needs and goals. Understand the difference between a fee-only and fee-based firm and where the lines can be blurred. Joe and Al tell you the most important question you should ask your advisor to make sure you won’t get scammed (4:20). Also on today’s podcast: … Read more

Your Money, Your Wealth Hr. 2

In this podcast, find out how to choose the best financial advisor for your personal needs and goals. Understand the difference between a fee-only and fee-based firm and where the lines can be blurred. Joe and Al tell you the most important question you should ask your advisor to make sure you won’t get scammed (4:20). Also on today’s podcast: … Read more

Your Money, Your Wealth Hr. 2

Joe and Al start off this second hour of the podcast by discussing the fiduciary responsibility, stressing the importance of choosing an advisor who will put his or her interests after the client’s interests. Find out how to become more diversified with your investments and learn different claiming benefits if you were to lose a spouse prematurely.


6:08 “The [financial … Read more

Your Money, Your Wealth Hr. 2

Joe and Al go over a checklist to make sure your financial house is in order. What’s the difference between a fee-only, fee-based and commission-based advisor? Learn how to maximize your tax-deferred contributions and know what your game plan is for after you retire.


3:27 “We are fee-only advisors. What does that mean? It simply means that it’s an advisor … Read more

Your Money, Your Wealth Hr. 1

Joe and Al discuss new fiduciary standards from the DoD. Paul Merriman later joins in to discuss his series of articles about investment performance, sharing his latest investment strategies based on new research covering asset classes, active vs. passive investing, rebalancing, expenses and more. Merriman will be speaking at a AAII workshop in May, see details below.

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Guest:  Paul Merriman Paul Merriman

fiduciary

Department of Labor Calls for New Fiduciary Duty

There are two types of standards that financial advisors are held to: the fiduciary standard and the suitability standard.  What’s the difference?  The fiduciary standard holds a legal requirement that advisors must put their clients’ interest before their own.  The suitability obligation, on the other hand, only details that the advisor has to reasonably believe that any recommendations made are Read more