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
McDreamy Dempsey wants to know if converting to Roth in the 37% tax bracket ever makes sense, and Gary in La Crosse warns Joe Anderson, CFP® and Big Al Clopine, CPA about Roth conversion “lag” and when it DOESN’T make sense to convert, today on Your Money, Your Wealth® podcast 558. Plus, Wine Guy and Gal in Northern California want a spitball on whether they should protect their ACA subsidies or keep converting to Roth before Medicare kicks in. Then it’s the classic question for Robert in Napa, Luke and Lorelai in Indiana, and Phil and Claire in California: should they save for retirement in their traditional pre-tax accounts, or their post-tax Roth accounts? Different needs and situations, same big question: which strategy gives you the smarter tax outcome?
George in Torrance wants to know the smartest way to deal with the giant UGMA account set up by his kids’ grandparents. Suzanne in Detroit has a twist on the new 529 plan to Roth rollover rule. “Homer and Marge” need a spitball on whether they can build huge 529 plans for college savings and still retire early. Plus, Bill in Chicago just inherited a $950K IRA and needs a withdrawal plan before he triggers a tax explosion. Aaron in Cincinnati wonders whether maxing out his health savings account every year as part of his overall pre-tax contributions is a good idea. Carl in Western Maryland has questions about the required minimum distribution age and HSA rules, and wonders whether those who make the tax code are on drugs! And finally, Marc wants to know how to avoid the tax kaboom from $the 4 million sitting in his traditional IRAs at age 73.
Joe Momma from Virginia wants to know if his zero percent capital-gains strategy is too good to be true, if he can trust his advisor, and if it’s finally time to start converting to Roth. David in Poway is already converting his IRA to Roth, but should they also convert his wife Shannon’s? Thomas wonders when in retirement to finally start using the Roth money he’s saved, instead of just admiring it. And Lizzy and Billy from Texas want to know if $3.5 million is enough for them to retire in 7 years at ages 62 and 65.
