Contact Information
Certified Public Accountant
Accredited Investment Fiduciary
BIOGRAPHY
Alan Clopine is the CFO & Chairman of the Board of Pure Financial Advisors. He has been an executive leader of the Company for over a decade. As CFO he is responsible for the financial operations of the company as well as investor relations. Alan joined the firm in 2008, about one year after it was established.
Prior to joining Pure Financial Advisors, Alan was the founding and senior partner at Clopine & Associates, LLP; a CPA firm established in 1987 and located in San Diego. In addition to providing traditional tax and accounting services for successful individuals and businesses, the firm specialized in real estate, technology, and small business tax planning. The firm was consistently ranked in the top 50 CPA firms in the San Diego Business Journal, “Book of Lists.”
Alan has provided tax planning services for individuals, corporations, and trusts for over 35 years. Another of his functions at Pure is directing the tax planning department to recommend and implement integrated tax planning strategies to reduce current and future income taxes. Alan is the co-host of Your Money, Your Wealth®, a financial talk radio show, heard weekly in San Diego on KFMB as well as on podcasts. The show launched its television debut in 2014 and is currently aired weekly on CBS in San Diego.
Alan received a bachelor’s degree from the University of California, San Diego in 1979 and received his CPA certification in 1984. He currently volunteers as president of Vida Joven, a non-profit organization that supports an orphanage in Tijuana as well as various activities at St. Peters Episcopal Church. Prior volunteer activities have included over ten years of coaching youth sports in baseball and soccer. Alan enjoys time with friends, travel, staying fit, hiking, golf, and hanging with his family. Alan is married to Anne and has two sons named Rob & Ryan.
Alan's Latest Contributions
How much will money will you need in retirement, adjusted for inflation? Joe and Big Al spitball on your future dollars, how to calculate the tax on Roth conversions, and the benefits of converting to Roth when financial markets are down. Plus, should retirement savings contributions be half pre-tax and half post-tax? And finally, saving to a 529 plan for your kids, or sending them to Hollywood stunt training camp – which would you do!?
When should you take your pension, what types of things should you think about when it comes to deciding between a lump sum or a monthly annuity payment – risk protection, for example – and how do you work your pension into your overall retirement plan? Spitballing on retirement pension options, and saving to a taxable account when you’re concerned about required minimum distributions or RMDs, on today’s YMYW.
Can you convert your health savings account (HSA) to Roth, and do the five-year Roth withdrawal clocks apply? What should you do with money you’d been putting to your student loan debt if you’re part of the student loan forgiveness program? What’s the best way to invest your RMDs, or required minimum distributions? How does IRMAA, the income-related monthly adjustment amount for Medicare, apply to zero-coupon municipal bonds? And finally, strategies for collecting survivor Social Security benefits.
