Matt Balderston

Matt Balderston

Designations & Licenses

Certified Financial Planner™
To use the CFP credential, the financial planner must successfully complete the CFP® Board's comprehensive examination which tests his or her knowledge on a number of key financial planning topics. The applicant must also have three to five years of related experience, voluntarily ascribe to the board's code of ethics and complete 30 hours of continuing education every two years pertaining to such relevant topics as estate and retirement planning, investment management, tax planning and insurance.
Accredited Investment Fiduciary
The AIF® designation is the first and only designation that demonstrates knowledge and competency in the area of fiduciary responsibility. Holders must successfully pass an exam, sign and adhere to a written code of ethics and complete four hours of continuing education credits each year. AIF® designees have a reputation in the industry as being the best positioned to implement a prudent process into their own investment practices, as well as being able to assist others in implementing proper policies and procedures.
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Matt Balderston

Matt is a graduate of the University of California, San Diego with a BS in Mechanical Engineering. After 10 years as an engineer, Matt decided to pursue a long-held passion and shifted his career to finance. He attained his CERTIFIED FINANCIAL PLANNER™ designation and the Accredited Investment Fiduciary designation. Prior to becoming a fee-only advisor Matt also held the FINRA series 7 and 63 financial licenses. Since 2002, Matt has written financial plans for a successful financial planning firm. That experience and his 10 years as an engineer designing processes brings a level of critical thinking and detail that made him an ideal candidate to be a founding staff member and Financial Planner with Pure Financial Advisors. His success as a financial planner can be directly attributed to his detailed approach and commitment to quality advice and superior service for each client. Matt is married and is the father of two sons. For six months out of every year, he tortures himself by being a huge Padres fan.

Meet Matt

Matt's Latest Contributions

What Are Qualified Charitable Distributions?

A qualified charitable distribution, or QCD, is a distribution you can make from your IRA directly to a charity if you are eligible for required minimum distributions. In this video, Matt Balderston, CFP® from Pure Financial Advisors outlines the rules and limits for this type of charitable giving. Transcription: Today we’re going to be talking about Qualified Charitable Distributions, or QCDs for… Read more

  
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How to Make Better Investment Decisions

How to Make Better Investment Decisions Using Expected Value

Before you make any investment decision, consider this concept: expected value. Matt Balderston, CFP® explains how to make better investment decisions using expected value to achieve better results in the long run. Transcription: “The topic I want to talk about today is expected value and how it applies to investing. Now, the definition of expected value is the average results of an… Read more

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How to Maintain Your Lifestyle in Retirement

Matt Balderston, CFP® takes you through the process of making sure you can sustain your ideal retirement lifestyle. Entering retirement is a transition into a very new phase of your life, and during this time it’s important to alter your financial strategies to be able to meet the retirement lifestyle you envision.

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Matt Balderston, CFP

Critical Steps to Achieving Financial Flexibility

Matt Balderston, CFP® discusses financial flexibility and shares strategies to give you the ability to become more flexible with your finances. Learn steps to help you better prepare for unexpected events that can get in the way of meeting your financial goals. Become better prepared for what the economy throws at you and learn forward-thinking strategies to help maximize your wealth.  

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Matt Balderston

What is a Revocable Living Trust?

In this Question of the Week, Matt Balderston, CFP® explains what a revocable living trust is. It is a legal document that allows you to transfer title of your assets to your heirs after you’ve passed away. Transcription: “Hi, I’m Matt Balderston, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and this is the Question of the Week. This week’s question is: What… Read more

 
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How Marriage Affects Your Finances

Matt Balderston, CFP® discusses how marriage affects your finances. It’s important to consider taxes, IRA & Roth contributions, employer/employee benefits, beneficiaries, Social Security benefits and inheritances once you get married. Transcription: “Hi, I’m Matt Balderston, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and this is the Question of the Week. This week’s question is about what financial impacts you have when you… Read more

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