Should I start investing

Should I Be Investing?

A very common question many people ask is, “What should I be investing? What should I be saving and putting into a money market account or a CD?” It depends on your goals, your time horizon, and tolerance for risk. Transcription: So the question of the day is, Should I be investing?” And the answer is No. All right, obviously I’m only kidding.… Read more

The Difference Between Bonds vs Stocks vs Mutual Funds

What exactly is the difference between bonds vs stocks vs mutual funds? And how do exchange-traded funds fit int he mix? In this video, Pure Financial’s Director of Research, Brian Perry, CFP®, CFA® explains. Learn More About Different Types of Investments and Investment Vehicles Transcript So, today we’re going to talk about stocks, and bonds, and mutual funds. And stocks and bonds are… Read more

Brian PerryBrian Perry

10 Tax Efficiency Tips You Should Know

We have a brand-new Federal income tax law which commenced on January 1, 2018, called the “Tax Cuts and Jobs Act of 2017”. If you’re trying to figure out how to minimize your tax liability given this new tax law, you’re not alone. To give you a head start, here are 10 tax efficiency strategies to pay less in taxes; fully updated… Read more

Alan ClopineAlan Clopine
Top Tax Deferral Strategies

Top Tax Deferral Strategies

Tax deferral means taking a deduction and moving it into an earlier year or deferring some income to a later year. If you do these tax deferral strategies year after year you can utilize the time value of money. Dive Deeper into these Tax Deferral Strategies on Our Blog Transcript Today we’re going to talk about tax deferral strategies. And so this… Read more

Alan ClopineAlan Clopine
Bonds When Interest Rates Rise

What Happens to My Bonds When Interest Rates Rise?

With interest rate hikes and indications that there will be further increases in 2018, we’ve been receiving questions about the impact of rising interest rates on a bond portfolio. In this video, Pure Financial’s Director of Research, Brian Perry, CFP®, CFA® answers the question, “what will happen to my bond portfolio when interest rates rise?” Learn More About the Recent Stock Market… Read more

Brian PerryBrian Perry
How Do You Start Investing in Real Estate?

How Do You Start Investing in Real Estate?

“Big Al” Clopine, CPA offers 3 tips for aspiring real estate investors. Transcription: “Today I’m going to talk about real estate investing, which is something near and dear to my heart, as I’ve been a real estate investor for about 35 years. And I will tell you something, you can make a lot of money in real estate, as I have. You… Read more

Alan ClopineAlan Clopine
How is a Roth IRA Different from a Traditional IRA?

How is a Roth IRA Different from a Traditional IRA?

Nate Ritchison, CFP® explains the differences between two commonly-used retirement accounts: the Roth IRA and the traditional IRA. Transcription: “The question I often get when I meet with clients is, “what’s the difference between a traditional IRA and a Roth IRA?” Well, let’s discuss the similarities and the differences between the IRA’s. The similarities are, they’re retirement accounts, specified under the IRS… Read more

Nathaniel RitchisonNathaniel Ritchison
Is Cryptocurrency Real Money?

Is Cryptocurrency Real Money?

Brian Perry, CFP® explains the basics of cryptocurrencies and their value in an investment portfolio. Transcription: “So if you’ve been paying any attention to the news lately, you’ve probably heard about Bitcoin and the other cryptocurrencies. Today we’re going to talk a little more about what exactly are these cryptocurrencies, and should you be buying them? Well for starters, are cryptocurrencies an… Read more

Brian PerryBrian Perry
2017 Year in Review

2017 Year in Review

Brian Perry, CFP® recaps the global economic markets in 2017. 2017 Year in Review Summary: • President Donald Trump gave us a “Goldilocks” economy • International developed markets • International emerging markets • Countries that outperformed the US • Large vs. small performance • Value vs. growth • Stocks and bonds

Brian PerryBrian Perry
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

Matt BalderstonMatt Balderston
What are stocks and bonds?

What exactly are stocks and bonds?

Let’s get back to the basics. Stocks and bonds are both instruments used by companies to raise capital. But what exactly does that mean and how are stocks and bonds different? Nathan Ritchison, CFP® walks you through the differences between stocks and bonds and the risk factors of both. Transcription: “Sometimes in my client meetings I get questions about or looks at… Read more

Nathaniel RitchisonNathaniel Ritchison
Tax Reform: 2017 Year-End Planning

Tax Reform: 2017 Year-End Planning

Tax Reform Bill as of December 14, 2017 With the ever-changing tax reform, make sure you prepare ahead of time. Don’t be blindsided by the potential changes that tax reform could bring. Alan Clopine, CPA walks you through critical year-end tax planning strategies that you might want to implement before 2018. Transcription: “There’s a final Republican tax bill. House and Senate party… Read more

Alan ClopineAlan Clopine
Tax Reform: The Final Republican Tax Bill

Tax Reform: The Final Republican Tax Bill

What’s Known as of December 14, 2017 Tax reform has been changing constantly and we have the latest up to date news. The Republicans have finalized their tax bill as of December 14, 2017. Here’s what they decided on: Reconciliation – Party leaders in the House and Senate reconcile their competing tax bills – Final vote is aimed for before Christmas –… Read more

Alan ClopineAlan Clopine
Charitable Contribution Taxes

How Does a Charitable Contribution Affect My Taxes?

Charitable contributions are one of the biggest tax saving tools available to taxpayers. David Cook, CFP® makes sure you know all the details so that you can not only make a difference in the world but also a difference on your taxes. Transcription “Today we’re going to be discussing charitable contributions and that is one a few things to think about. First,… Read more

David CookDavid Cook
New Tax Brackets

Proposed New Tax Brackets

Tax reform in both the House of Representatives and the Senate call for collapsing the current seven brackets to four. Will that change how much money you have to pay in taxes each year? Financial expert Alan Clopine breaks it down.

Alan ClopineAlan Clopine
Senate vs House Tax Reform

Tax Talk: Senate vs. House of Representatives Tax Reform

Tax reform is getting a significant amount of airtime. Changes in the tax laws could make a difference in the amount of money you have to give to Uncle Sam each year. So what changes do the various bills actually make and what do they mean for you? Financial expert Alan Clopine takes a look at how the House of Representative and… Read more

Alan ClopineAlan Clopine
Estate Planning Basics

Estate Planning Basics: Don’t Make These Major Mistakes

Estate planning can be a very difficult topic to talk about and work through, especially when it comes to the dispositive provisions of your estate plan. Peter Keller, CFP® explains several careful consideration you should take into account regarding whether or not to have outright distributions in your estate plan.  

Peter KellerPeter Keller
should i roll 401k into ira

To Roll or Not to Roll 401k

Do you have a 401(k) plan from an old employer and are not sure what to do with it? Matthew Horsely, CFP ® describes the advantages and disadvantages of keeping your money in the 401(k) versus rolling it into an IRA. Transcription: “So today we are going to talk about some of the considerations with regard to 401(k) plans versus IRA plans.… Read more

Matthew HorsleyMatthew Horsley
Recharacterization

What is a Roth Conversion and Recharacterization?

Allison Alley, CFP® walks you through the details of what a Roth conversion is and how recharacterization could be an integral part of your tax planning strategy. Learn more about how tax diversification can improve your odds of success. Transcription: “Today we’re going to talk about Roth conversions and recharacterizations. A lot of people are trying to transition money from their IRAs… Read more

Allison AlleyAllison Alley
capital gain tax rates

How to Pay a 0% Capital Gain Tax Rate

Income taxes are never simple and the capital gain taxes are no different. Learn how to understand the new capital gain tax rates. Transcription Did you know that there is a zero percent capital gains rate? Well, I’m going to tell you how to pay zero taxes on your capital gains. But first, what is a capital gain? Well, that is when you… Read more

Alan ClopineAlan Clopine
Medicare Open Enrollment Period

When is the Medicare Open Enrollment Period?

Mike Bernier, CFP® covers when the open enrollment period for Medicare opens and what exactly that means for you. Medicare’s open enrollment period runs from October 15 – December 7. To learn how to navigate through the Medicare maze so you can choose the right plan for you, at the right cost, click here.  In that period of time, you can make… Read more

Mike BernierMike Bernier
Asset Location

Asset Location: Where to Hold Your Assets Based on Tax Efficiency

There are three types of account where you can hold your assets. Determining which accounts you place certain assets, based on tax-efficiency and expected return, can have a significant impact on your after-tax net returns. Taxable accounts, such as your individual accounts and trust, are taxed at the capital gains tax rate when distributed. Deposits in this account are after-tax. Tax-free accounts,… Read more

Jason Thomas

How to Save for College

College costs are a challenge for parents and students alike. There are several different college savings vehicles to help pay for college tuition. Walk through the various saving options and learn the pro and cons of each. Ways to Save for College: – Pre-Paid Tuition Plans – 529 College Savings Plan – Education Savings Account (ESA) – Uniform Gifts to Minor’s Accounts (UGMA) –… Read more

Jason Thomas

2017 Second Quarter Market Review

In this short market recap, Joe Anderson, CFP® gives a quick snapshot of the market during the second quarter of 2017. Quarterly Market Review: Q2 2017 Market Summary World Stock Market Performance World Asset Classes US Stocks International Developed Stocks Emerging Markets Country Performance Real Estate Investment Trusts (REIT) Commodities Fixed Income Global Diversification  

Joe AndersonJoseph Anderson

2017 First Quarter Market Review

In this short market recap, Joe Anderson, CFP® gives a quick snapshot of the market during the first quarter of 2017. Quarterly Market Review: Q1 2017 Market Summary World Market Performance World Asset Classes US Stocks International Developed Stocks Emerging Markets Country Performance Commodities Fixed Income Global Diversification Subscribe to YouTube Channel

Joe AndersonJoseph Anderson
Matt Horsley, CFP

Do I Need an Estate Plan?

Matt Horsley, CFP® explains whether you need an estate plan and discusses what types of estate plans are best for your individual situation. No matter how large or modest, your estate is something that you should always have protected. Learn whether you need a will, living trust or an estate plan and find out the importance of establishing a Power of Attorney. 0:20 “What type… Read more

Matthew HorsleyMatthew Horsley
Karen Baszak

Which Investment Fees are Tax-Deductible?

Whether you manage your own portfolio or use the services of an investment advisor, there are costs associated with your investments, some of which are tax-deductible and some of which are not. Karen Baszak, CFP® explains this in more detail. You can find your fees that are eligible for deduction listed on schedule A of your tax return on line 23. Transcription:… Read more

Karen Baszak
joe anderson cfp

Roth IRA Contribution & Withdrawal Rules

President of Pure Financial Advisors, Joe Anderson, CFP® answers your question of the week by explaining withdrawal requirements for your Roth IRA. Also covered are Roth conversion requirements and important ages to remember in retirement.

Joe AndersonJoseph Anderson
Alan Clopine

Roth Option in 401(k)

Should you consider the Roth provision in your 401(k)? “Big Al” Clopine, CPA suggests you look at your tax bracket to figure out if you should utilize a Roth 401(k). With this provision, there is no tax deduction right now, but in the future all income, principal and growth is 100% tax-free. If your taxable income is high ($200,000-$250,000), it may not… Read more

Alan ClopineAlan Clopine

What is a REIT?

Nate Ritchison, CFP® defines what a REIT (Real Estate Investment Trust) is. Find out what the benefits of REITS are and what the difference between an equity REIT and a mortgage REIT is. Transcription: “Hi, I’m Nate Ritchison, CERTIFIED FINANCIAL PLANNER™ and Registered Investment Advisor with Pure Financial Advisors, and this is Question of the Week. This week’s question is: What is a… Read more

Nathaniel RitchisonNathaniel Ritchison

What is the Nature of Risk in Investments?

People tend to view life similar to how they view their investments. When investors see breaking news or major headlines on current events that may have a negative impact on the world, they tend to view that as a risk within their portfolio. There are endless possibilities of what might happen. We can’t manage all the possibilities, but what we can manage is… Read more

David CookDavid Cook
matt horsley cfp

What Are the Benefits of Working with a CERTIFIED FINANCIAL PLANNER™?

Matt Horsley shares the benefits of working with a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional by explaining the process for achieving a CFP® credential and also sharing what areas of financial planning a CFP® professional focuses on. At Pure Financial, we only recommend that you work with a CFP® to show that the advisor is properly adequate to handle your finances and because all… Read more

Matthew HorsleyMatthew Horsley