BIOGRAPHY
Andi Last brings over 30 years of broadcasting, media, and marketing experience to Pure Financial Advisors. She is the producer of the Your Money, Your Wealth® podcast, radio show, and TV show and manages the firm’s YouTube channels.
Prior to joining Pure, Andi was Media Operations Manager for a San Diego-based financial services firm with a long-running, nationally syndicated financial advice TV and radio show. While living in Australia, Andi was the Operations Manager for the media branch of an international non-profit organization examining global sustainability challenges and responses.
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
How much do Nick and Nora in Pittsburgh, and Doc Mc Muffin and her Mr. in Minnesota, need to have saved, and how much can they afford to spend in retirement? What are the disadvantages to Fred and Ethel in Virginia if Ethel collects her Social Security early? Are the Moonshiner and the City Girl in Florida so obsessed with avoiding RMDs and IRMAA that they’re wasting too much savings on Roth conversions? Finally, will the tax benefits on a rental property offset the negative cash flow for Lily’s 29-year-old son, who has started his professional career with a $750K salary?
Is it better to save for retirement in traditional 401(k)s and IRAs, or in Roth accounts? What are the rules around contributing to two different types of Roth accounts? If required minimum distributions will be staggered because of a couple’s age difference, should they convert their retirement savings to Roth, or leave it alone? But first, Joe and Big Al have a backdoor Roth conversion withdrawal debate to settle.
Should Nancy in Washington take out a 401(k) loan and invest it in her brokerage account to catch up on saving for her retirement? When Joe and Big Al talk about having a balanced portfolio of various asset classes like stocks and bonds, Brian in Naperville, Illinois wonders whether that asset allocation strategy considers the stabilizing effect of monthly Social Security payments. Plus, Joy and her brother each have a $400,000 inheritance. How should they each invest it for their very different financial situations? Mike in Colorado has a good guaranteed income stream, so what should he do with the money he’s drawing from his taxable IRA every year – convert to Roth, put it in a brokerage account, go on a cruise? And finally, Skipper asks the fellas to spitball on whether he should do Roth conversions or take advantage of zero percent capital gains tax rates.
