BIOGRAPHY
Andi Last brings over 30 years of broadcasting, media, and marketing experience to Pure Financial Advisors. Serving as Media Manager remotely, Andi is based in South Australia. She is Executive Producer of the Your Money, Your Wealth® podcast, manages the firm’s YouTube channels, and is involved in the production and distribution of the Your Money, Your Wealth® TV show.
Andi grew up in San Diego. Before joining Pure, she was Media Operations Manager for a San Diego-based financial services firm with a long-running, nationally syndicated financial advice TV and radio show.
Andi gratefully serves on the all-volunteer board of directors of Living LFS, a non-profit 501(c)(3) organization supporting those with Li-Fraumeni syndrome (LFS), a rare genetic predisposition to developing cancer.
Andi enjoys still photography, and her photos have appeared in national publications and on a Grammy-nominated record.
Andi and her husband Jay have been together since 2010. Sharing a passion for music, they produced and recorded a house concert series featuring live performances by professional touring musicians. The Lasts also play music themselves: their band has played ’60s garage rock for audiences of three in their living room, and tens of people have watched their music videos on YouTube.
Andi's Latest Contributions
A comment on one of our YouTube videos sparks a dialogue between Joe and Big Al on the 4% rule vs the “guardrails” withdrawal strategy. Joe at the Beach is managing his ~$6M portfolio on his own, but wants the fellas’ take on his upper limit for yearly spending, so he can keep drinking his old-fashioneds. Can Joe Ko in Virginia afford to bridge the gap between retiring at 67 and taking Social Security at 70? Plus, “Harold and Maude” have nearly $7M saved. Should they accelerate Roth conversions into high-tax brackets before moving from low-tax Colorado to high-tax California? And how much more than their current annual spend can they afford for family vacations and travel?
Wendy and Joe in Colorado ran the numbers, and their financial planning software says they’ll have over $10 million when they pass. Wendy’s wondering if they should continue converting to Roth while working, despite their high tax bracket. But has the software lulled them into a false sense of security? That’s today on Your Money, Your Wealth® podcast number 548. Plus, which is smarter for “Kurt and Courtney” in New York: aggressively paying down their mortgage, or putting their extra money to work in the market before Kurt retires early in 20 years? Finally, when does it stop making sense for high-earners “Tim and Faith” in Boston to contribute to their Roth? The fellas duke it out on this one (and we figure out, based on our earliest musical interests, which era we’re each children of.)
A YMYW listener from Missouri and his wife are retired at 69 and 67, with less than $2 million dollars. Should they continue converting retirement savings to Roth for the tax-free growth? What should they do about long term care insurance? More importantly, is our listener’s name (Cousy) pronounced “Cuzzy” or “Koozy”? Speaking of Roth conversions, must “Peggy Hill” wait five years to withdraw her conversion money, or only its earnings? Plus, is Skipper’s retirement payout plan the killer deal he thinks it is? How can Jeff in Dallas pay less capital gains tax on his $3M of single stocks, million dollar 401(k), and potential eBay income? Is selling on eBay still a thing? Does Dolly in Tennessee need to empty her inherited IRA within the next 10 years due to the SECURE Act? And finally, HSA vs. HRA: how should Larry in Rhode Island navigate switching from his current employer’s health savings account to his future employer’s health reimbursement arrangement?
