Is Social Security Considered Income?

Is Social Security Considered Income?

Allison Alley, CFP® answers a common question: is Social Security considered income? Transcript: One of the questions we get quite a lot is in regard to Social Security. People always want to know if Social Security is considered income. Well, the short answer is yes, but it’s not quite that simple. It is income, but it’s not considered earned income. So what… Read more

Allison AlleyAllison Alley
Portfolio Rebalancing: Benefits and Best Practices

Portfolio Rebalancing: Benefits and Best Practices

What are the best practices for portfolio rebalancing and what are the benefits of rebalancing your portfolio of investments? Senior Financial Planner Jack Dugan, CFP® from Pure Financial Advisors explains. Transcript: Today’s topic is rebalancing your portfolio. And if we’re going to talk about rebalancing a portfolio, we’re assuming you have a balanced portfolio to start with. Well, what exactly is that?… Read more

Jack DuganJack Dugan

Can I Collect Social Security While Working?

Here’s a question we get a lot: “Can I collect Social Security and continue to work?” And the answer is yes. But keep in mind, there may be some complications. Amy Cattelino, CFP® explains.     Transcript: Here’s a question we get a lot: “Can I collect Social Security and continue to work?” And the answer is yes. But keep in mind,… Read more

amy cattelinoAmy Cattelino
What Is Portfolio Diversification?

What is Portfolio Diversification?

You’ve heard the phrase, “don’t put all your eggs in one basket?” In this video, Nate Ritchison, CFP® explains how portfolio diversification is the concept of spreading your eggs – that is, your investments – across many baskets, or asset classes, to limit the damage when some of the baskets fall.

Nathaniel RitchisonNathaniel Ritchison
2018 Q2 Market Review

2018 Second Quarter Market Review

In the above webinar, Pure Financial Advisors’ Director of Research, Brian Perry, CFP®, CFA®, gives an overview of the market activity in the second quarter of 2018. – Market Summary – World Stock Market Performance – World Asset Classes – US Stocks – International Developed Stocks – Emerging Markets – Country Performance – Commodities – US Treasury Yield Curve – Fixed Income… Read more

Brian PerryBrian Perry
Risk Management

Why Is Risk Management Important?

Risk Management is a term most frequently associated with large businesses due to its crucial importance for corporations. However, risk management activities are just as vital when it comes to personal finances. In this video, Pure Financial Advisors’ Robert Canavan, CFP® explains why risk management is important in your personal, professional, and investing life. Blog: Why Risk Management is Important >>  

Robert Canavan
What is a CFP

What is a CERTIFIED FINANCIAL PLANNER™?

What is a CERTIFIED FINANCIAL PLANNER™? Do I really need a CERTIFIED FINANCIAL PLANNER™? How do CERTIFIED FINANCIAL PLANNER™s get paid? Pure Financial Advisors’ Director of Financial Planning, Susan Brandeis, CFP® answers these questions. Transcript: So today what we’re going to talk about is, what is a CERTIFIED FINANCIAL PLANNER™? So what a CERTIFIED FINANCIAL PLANNER™ is, is somebody that’s there to work… Read more

Susan BrandeisSusan Brandeis
Bear market investing strategies

Preparing for a Bear Market: A Comprehensive Guide

Brian discusses the signs of a bear market, indicators associated with a decline becoming a bear market, and explains why bear market predictions are so difficult to make. What is a bear market? What are the causes of a bear market? Pure Financial Advisors’ Director of Research, Brian Perry, CFP®, CFA® answers all of these questions and goes over the history of… Read more

Brian PerryBrian Perry
How to prepare for the next bear market

How to Prepare for the Next Bear Market

What is a bear market? What are the causes of a bear market? Pure Financial Advisors’ Director of Research, Brian Perry, CFP® answers these questions and goes over the history of bear markets and their recovery times. Brian explains why bear market predictions are so difficult to make and offers some bear market investing strategies. For Brian’s Comprehensive Guide to Bear Market… Read more

Brian PerryBrian Perry
How to Apply for Social Security

How to Apply for Social Security

Are you preparing to apply for your Social Security benefits? Follow along in this step-by-step walkthrough of how to apply for Social Security and when the best time is to do so. There are several different ways to apply and don’t forget about applying for retirement, spousal, and Medicare benefits as well. Learn all the information you need to set up your… Read more

Jason Thomas
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

Tax Reduction Strategies for High Income Earners

If you have a high salary, own a business, own real estate, or generate a lot of income from inherited assets, here are seven different strategies to reduce taxes for high-income earners that will allow you to pay even fewer taxes in the future. Learn More Tax Reduction Strategies on Our Blog  Transcript Today we’re going to talk about tax reduction strategies… 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
investing 101

Investing 101 [Webcast]

Do you ever wonder where to invest your money? Or how about where to locate your investments based on expected return and how that investment is taxed? All these details can make a huge impact on your net after-tax returns. In this webcast, Jason Thomas goes over general investment strategies to help you make informed decisions with your investments.

Jason Thomas
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
applying for medicare

Understanding Medicare: Video Series

If you or someone you know is turning 65, it’s time to start thinking about Medicare. Learn how to navigate through the Medicare maze so you can choose the right plan for you, at the right cost. Included in the Series Bridging the Gap to Medicare Understanding Medicare: The Basics 11 Common Medicare Mistakes to Avoid

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
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

The Pure Difference

Discover what sets Pure Financial Advisors, Inc. apart and get to know the Pure difference. We believe that one of the reasons for our success is that we made a large commitment to change the industry. We identified four major criticisms in the financial planning industry and strive to eliminate or reduce most of them. We invite you to experience the Pure difference… Read more

Susan Brandeis

401(k) When Starting at a New Company

Susan Brandeis, CFP® gives you four options for handling your 401(k) when you start at a new company. Transcription: “Hi, I’m Susan Brandeis, CERTIFIED FINANCIAL PLANNER™ and Director of the financial planning department at Pure Financial, and this is your Question of the Week. The Question of the Week is: what are my options for my old 401(k) when I start working at… Read more

Susan BrandeisSusan Brandeis

Can I Afford to Have a Child?

Mike Bernier, CFP® answers your question of the week regarding how much it costs to have a child. According to the Department of Agriculture, the cost of one child from birth to high school graduation is around $245,000 (housing, food, childcare, etc.). Transcription: “Hi, I’m Mike Bernier, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and welcome to the Question of the Week.… Read more

Mike BernierMike Bernier
q3

Third Quarter Market Review [Webcast]

Emerging markets and international developed stocks came out on top last quarter. In this short market recap, Joe Anderson, CFP® takes a look back at what happened in Q3. Market Summary World Market Performance World Asset Classes US Stocks International Developed Stocks Emerging Markets Country Performance Commodities Fixed Income Global Diversification

How Do I Find My Cost Basis?

Robert McCullock, CFP® explains what a cost basis is and how to find it. The Emergency Economic Stabilization Act of 2008 has changed certain rules that affect your security. Also learn how to find your cost basis if you bought a stock 40 years ago.

Robert McCullockRobert McCullock
Matt B cfp

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.

Matt BalderstonMatt Balderston
navigating client accounts

Navigating Your Online Accounts [Webinar]

If you are a client of Pure Financial Advisors, join us for a short webinar on October 5 to learn how to use your online client accounts (Financial Plan & Vault account and Investment Performance account).

Mike BernierMike Bernier
ltc

Long-Term Care Solutions [Webinar]

Understanding the various types of long-term care services and what those services may cost is critical as you consider your retirement approach. Join us for a free one-hour webinar to better understand the costs and benefits of long-term care.

Joe AndersonJoseph Anderson
financial strategies 20's 30's

Financial Strategies for Your 20’s & 30’s [Webcast]

The earlier you start planning for your future, the better. Saving and investing in your 20’s and 30’s could make a huge difference in your financial well-being years down the line. We want to help make a difference for younger generations so that they can be smart about planning for their financial future. Pure Financial is kicking off a series of educational videos… Read more

Joe AndersonJoseph Anderson
brexit

What US Investors Need to Know About Brexit [Webinar]

Shocking many, Britain voted to exit the European Union by a narrow margin on Thursday, ushering in a period of anxiety as experts think through the ramifications of this historic referendum. Around the world, traders reacted to the uncertainty as they typically do by selling first and thinking later. To put things into perspective, we created a short video answering five main… Read more

Joe AndersonJoseph Anderson
difference between a will and a trust nate ritchison cfp

Will vs. Trust

Nate Ritchison, CFP®, explains the difference between a will and a trust to help you decide which is better for your estate plan. Transcription: “What’s the difference between a will and a trust? Hi, I’m Nate Ritchison, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and this is Question of the Week. This week’s question is: what is the difference between a will and… Read more

Nathaniel RitchisonNathaniel Ritchison
Allison Alley, CFP

What are Financial & Estate Planning Concerns for Unmarried Couples?

Allison Alley, CFP® discusses common issues unmarried couples face when it comes to financial and estate planning. Will they inherit each other’s assets? What certain rights do they have in the case of an emergency? Find out in this Question of the Week. Transcription: Hi, I’m Allison Alley, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and welcome to Question of the Week.… Read more

Allison AlleyAllison Alley

How to Reduce Estate Taxes

Alan Clopine, CPA defines what estate taxes are and gives you three ways to reduce them: 1) Give away your assets before you pass 2) Buy life insurance 3) Set up advanced estate planning Transcription: “Hi, I’m Al Clopine, CPA and Chief Financial Officer of Pure Financial Advisors, and you are watching Question of the Week. Today’s question is about how to… Read more

Alan ClopineAlan Clopine
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.  

Matt BalderstonMatt Balderston
Susan Brandeis, cfp

Is There a Penalty for not Taking a Required Minimum Distribution From Your IRA?

Susan Brandeis, CFP® explains the repercussions of not taking the required minimum distribution (RMD) from your individual retirement account. Transcription: Hi, I’m Susan Brandeis, CERTIFIED FINANCIAL PLANNER™ and Director of the Financial Planning Department here at Pure Financial, and this your Question of the Week. This week’s question is: is there a penalty for not taking a required minimum distribution from your IRA?… Read more

Susan BrandeisSusan Brandeis
id theft webinar

Protecting Yourself From Identity Theft [Webinar]

Identity Theft: It’s one of America’s fastest growing crimes, creating a victim every two seconds according to Javelin Strategy & Research’s 2014 Identity Fraud Study.  Pure Financial Advisors is teaming up with Identity Theft Resource Center to teach you how you can protect yourself from becoming another statistic. Attendees Will Learn… How Identity Theft Happens Where Criminals Can Get Information About You… Read more

Guest:  Matt Davis matt davis

tax planning webinar '16

2016 Tax Planning [Webinar]

It’s tax season! Your biggest expense throughout your lifetime will likely be taxes. Learn last minute tax-saving tips to save you money this year.

Alan Clopine Brett Greeenig
mike bernier

Taking Your Financial Inventory

When building your financial plan, the first step is to take your financial inventory. Mike Bernier, CFP® explains this in more detail in this Question of the Week. Transcription: “Hi, I’m Mike Bernier, Certified Financial Planner™ with Pure Financial Advisors, and welcome to the Question of the Week. This week’s question is: where do I get started in terms of building my… Read more

Mike BernierMike Bernier
robert mccullock

How Often Should I Review My Estate Plan?

Robert McCullock, CFP® explains that you should review your estate plan when something major happens in your family (death, birth, marriage, divorce, etc.) or when there is a change to the estate plan law. Transcription: “Hello, I’m Robert McCullock, Certified Financial Planner™ with Pure Financial Advisors, and this is your Question of the Week. This week’s question is: How often should I… Read more

Robert McCullockRobert McCullock
jack dugan

What is Probate?

Jack Dugan, CFP® discusses what probate is in this Question of the Week. While it is a necessary and orderly process of transferring assets from a deceased person to his or her beneficiaries, it has several drawbacks. However, those who plan properly can avoid some of these drawbacks. Transcription: Hi, I’m Jack Dugan, CERTIFIED FINANCIAL PLANNER™ and Senior Investment Advisor for Pure Financial Advisors, located in San… Read more

Jack DuganJack Dugan
Karen Baszak

How Do I Protect Myself From Rental Liabilities?

In this Question of the Week, Karen Baszak, CFP® discusses several strategies to protect yourself from rental property liabilities. This includes making sure you have adequate liability coverage on your rental property policy, exploring the option of purchasing umbrella liability coverage and considering establishing a limited liability corporation (LLC) for your rental property. Transcription: “Hi, I’m Karen Baszak, CERTIFIED FINANCIAL PLANNER™ with Pure… Read more

Karen Baszak
social security webinar

Social Security Changes for 2016 [Webinar]

The Social Security landscape changed dramatically in 2015 when Congress abolished several advanced claiming strategies that helped retirees increase lifetime income. The new Social Security rules make it more important than ever to make informed decisions when incorporating Social Security into your overall financial strategies. In this one-hour webinar, Joe Anderson, CFP® and David Cook, CFP® explain how the recent Social Security changes may affect… Read more

Joe Anderson David Cook
Peter

How Much Life Insurance Do I Need?

Peter Keller, CFP® explains how to figure out how much life insurance you need according to your situation and what risks you would like to mitigate. Transcription: “Hi, my name is Peter Keller and I am a CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and welcome to Question of the Week. This week’s question is: How much life insurance should I have?… Read more

Peter KellerPeter Keller
Nate

How Does My Withholding Affect My Tax Return?

Nate Ritchison, CFP® explains how your tax withholding on your W-4 affect how much you owe to or get refunded by the IRS. He highlights the importance of staying on top of your taxes throughout the year, especially if your situation changes (i.e. you get married, divorced, have kids, purchased a home, etc.). Transcription: “Most of us have experienced an emotional and… Read more

Nathaniel RitchisonNathaniel Ritchison
robert mccullock

What Types of Insurance Do I Need For My Family?

Robert McCullock, CFP® describes the different types of insurance you need to protect your family. These types of insurance include: disability (short term & long term), life, health, long term care, auto, home owner’s and umbrella or liability insurance. Transcription: “Hello, I’m Robert McCullock, Certified Financial Planner™ with Pure Financial Advisors, and this is your Question of the Week. this week’s question… Read more

Robert McCullockRobert McCullock
mike bernier

How Many Stocks Should I Have in my Portfolio?

Mike Bernier, CFP® tells you how many stocks you should have in your portfolio. Transcription: “Hi, I’m Mike Bernier, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and welcome to the Question of the Week. This week’s question is: How many stocks should I hold in my portfolio? There’s not one correct answer to this question, some believe 20 or 30 stocks give… Read more

Mike BernierMike Bernier
Joe Anderson

Required Beginning Date for Required Minimum Distributions (RMD)

Joe Anderson, CFP® explains that your required beginning date (RBD) for taking RMDs is on April 1st the year after you turn 70 1/2. Stay tuned to find out some exceptions for taking required minimum distributions. Transcription: “Joe Anderson, CERTIFIED FINANCIAL PLANNER™ here and President of Pure Financial Advisors, and this is your Question of the Week. This week’s question is this:… Read more

Joe AndersonJoseph Anderson
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

Matt BalderstonMatt Balderston
Mike Bernier

Bonds vs. Bond Funds

Mike Bernier, CFP® explains the difference between an individual bond and bond mutual fund in this Question of the Week. Transcription: “Hi, I’m Mike Bernier, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and this is the Question of the Week. This week’s question is: what is the difference between a bond and a bond fund? Once you’ve determined that you do want… Read more

Mike BernierMike Bernier
Jack Dugan, CFP

What are the Deductions on my Paycheck?

Do you know where that big chunk of your paycheck is actually going to? Jack Dugan, CFP® explains in detail what the tax deductions on your paycheck mean by covering these four taxes: 1) FICA tax 2) Medicare tax 3) Federal Withholding tax 4) State tax Transcription: “Hi, I’m Jack Dugan, CERTIFIED FINANCIAL PLANNER™ and Senior Investment Advisor for Pure Financial Advisors,… Read more

Jack DuganJack Dugan
difference between a will and a trust nate ritchison cfp

How Do My Investments Affect My Taxes?

Nate Ritchison, CFP® answers your question of the week by sharing how to do tax smart investing by learning how investments will affect your taxes. There are different types of accounts where you can hold your money and they are all taxed at different rates. Investors have the option to invest in tax-deferred, tax free and taxable accounts. It’s important to be strategic with where you… Read more

Nathaniel RitchisonNathaniel Ritchison
Peter Keller, CFP®

What are the Benefits of Filing Taxes Early?

Are there really benefits to filing your taxes early? Peter Keller, CFP® explains that you will get your refund earlier, and if you file electronically, you will receive your refund even sooner. It could also help you qualify more for a loan, financial aid or purchasing a home. Transcription: “Hi, I’m Peter Keller and I’m a CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors,… Read more

Peter KellerPeter Keller

What is Asset Allocation?

David Cook, CFP® explains that asset allocation is the most important decision an investor can make. It is the science of combining different asset classes together to give you an efficient balance between return and risk. Understand how to diversify your portfolio and the different types of bonds you can invest in. Transcription: “Hi, I’m David Cook, CERTIFIED FINANCIAL PLANNER™ with Pure… Read more

David CookDavid Cook
Susan Brandeis, cfp

Taxes on Primary Residence Sale

If you were to sell your primary residence for a gain, would you have to pay any taxes? Susan Brandeis, CFP® answers this Question of the Week by explaining the eligibility requirements for the Section 121 Exclusion. Transcription: “Hi, I’m Susan Brandeis, CERTIFIED FINANCIAL PLANNER™ and Director of the Financial Planning Department here at Pure Financial and this is your Question of the Week. One question I… Read more

Susan BrandeisSusan Brandeis
joe anderson cfp

What is a Backdoor Roth IRA?

President of Pure Financial Advisors, Joe Anderson, CFP® explains that a backdoor IRA is a tax loophole; it allows individuals and married couples to contribute to a Roth IRA if they otherwise wouldn’t qualify. Transcription: “Joe Anderson here, CERTIFIED FINANCIAL™, President of Pure Financial Advisors, and welcome to Question of the Week. I’m getting this question quite a bit: what is a… Read more

Joe AndersonJoseph Anderson
matt balderston cfp

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

Matt BalderstonMatt Balderston
David Cook, cfp

What is a P/E Ratio?

David Cook, CFP® defines what a P/E (Price to Earnings) Ratio is. The ratio is the market value per share divided by earnings per share. Understand the other metrics to evaluate and know the difference of sectors that the P/E ratios go against. Transcription: “Hi, I’m David Cook, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and this is your Question of the Week.… Read more

David CookDavid Cook
big al cfp

Should I File Taxes Jointly if I am Married?

CPA and CFO of Pure Financial Advisors, “Big Al” Clopine explains that 90% of the time, it is better to file taxes jointly because your income taxes will be lower. Rates are worse if you file separate, but it is important to run the taxes both ways to find out which option is better for you and your spouse’s situation. Transcription: “Hi,… Read more

Alan ClopineAlan Clopine
Matt Horsley, CFP

What is a Stock?

In this Question of the Week, Matt Horsley explains what a stock is and how it is issued and traded. Transcription: I’m Matt Horsley, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and this is your Question of the Week. The question is: what is a stock and how does a stock work? Let’s first go back to how companies raise capital. They… Read more

Matthew HorsleyMatthew Horsley

When Should I Start Doing My Financial Planning?

Brian Sauter, CFP® answers your Question of the Week by explaining the importance of starting the financial planning process sooner rather than later. The best time to start planning is now. Find out how much you should be saving according to your age. Transcription: Hi, I’m Brian Sauter, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and this is your Question of the… Read more

Brian SauterBrian Sauter
Peter Keller, CFP

Can I Collect Social Security Benefits on my Ex-Spouse’s Record?

Peter Keller answers your question of the week about collecting Social Security benefits on an ex-spouse’s record.  What are the requirements and how do you collect the benefits? Transcription: Hi, my name is Peter Keller, I’m a Certified Financial Planner™ with Pure Financial Advisors; welcome to Question of the Week. This week’s question is: now that I’m divorced, am I able to… Read more

Peter KellerPeter Keller
Karen Baszak, cfp

When Should I Establish an S Corporation for My Business?

Karen Baszak, CFP® explains the considerations regarding the legal structure of your business: liability, taxes and cost, and how these aid in your decision to establish an S corporation for your business. Transcription: “Hi, I’m Karen Baszak, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and this is the Question of the Week. This week’s question is: When should I establish an S corporation… Read more

Karen Baszak
Jack Dugan, CFP

What is the Financial Planning Process?

Jack Dugan explains the importance of having a financial plan in place and discusses the multiple steps of the process involved. Transcription: Hi, I’m Jack Dugan, CERTIFIED FINANCIAL PLANNER™ and Senior Investment Advisor for Pure Financial Advisors, and welcome to the Question of the Week. The question this week is: what exactly is the financial planning process? Well, one thing you might… Read more

Jack DuganJack Dugan
Joe Anderson Pure Financial

2015 Significant Tax Changes

2015 is shaping up to be an important year with new tax laws providing more opportunities for tax-advantaged savings. Joe Anderson, President of Pure Financial Advisors, explains which tax laws you should use to your advantage this year.

Joe AndersonJoseph Anderson

How do I Get my Financial House in Order?

Nate Ritchison, CFP® shares how to get your financial house in order in today’s Question of the Week. Learn the four main steps you should follow, identify your goals and implement strategies to create and monitor a plan to meet your objectives. Transcription “Hi I’m Nate Ritchison and this is your Question of the Week.This week’s question is ‘How do I get… Read more

Nathaniel RitchisonNathaniel Ritchison

How Inheritance Tax Works

Mike Bernier, CFP® explains how beneficiaries will be taxed when they receive an inheritance and further explain the difference between inheritance tax and estate tax. Transcription “Hi I’m Mike Bernier, CFP® with Pure Financial Advisors and welcome to our Question of the Week. Now this week’s question is, how will my beneficiaries be taxed when they receive an inheritance from me? Now… Read more

Mike BernierMike Bernier
susan brandeis cfp

How to Withdraw from Retirement Account Without Penalty

Susan Brandeis, CFP® and Director of Financial Planning at Pure Financial shares how to withdraw from your retirement accounts early without the 10% penalty. There is a common confusion with the age 59 1/2 rule – several people believe you have to be 59 1/2 to withdraw from any retirement account. Susan clarifies that the account must be an Individual Retirement Account, or… Read more

Susan BrandeisSusan Brandeis
peter keller CFP

The 72t Early Distribution From Your IRA

Peter Keller, CFP® for Pure Financial Advisors, shares whether someone can access their retirement funds before age 59 1/2 without the 10% penalty. Transcription “Hi I’m Peter Keller and I’m a Certified Financial Planner™ with Pure Financial Advisors and welcome to your question of the week. The question of the week this week was ‘Do I have access to my retirement funds before… Read more

Peter KellerPeter Keller

What is a Bond?

Nate Ritchison, CFP® explains what a bond is, describes how a bond works and further explains the three primary factors that make up a bond in Pure Financial Advisors’ Question of the Week.

Nathaniel RitchisonNathaniel Ritchison

Roth IRA vs Traditional IRA

Michael Pash, CFP® explains the difference between a Roth IRA vs a traditional IRA, explaining how each type of retirement account works and how the accounts can benefit your retirement savings plan.

Mike Pash