Plan your financial future with a quick analysis that will calculate your success. Get your financial blueprint today!

GET STARTED NOW
Pure Financial Advisors
CALL CONTACT FORM CRS LOCATIONS LOG IN GET AN ASSESSMENT
  • Financial Resources
    • All White Papers
    • Blog
    • Educational Events
    • Educational Videos
    • Free Assessment
  • Retirement Workshops
    • Denver Workshops
    • Digital Workshops
    • Los Angeles Workshops
    • Orange County Workshops
    • San Diego Workshops
    • Seattle Workshops
  • Financial Planning
    • Cash Flow Analysis
    • Estate Planning
    • Retirement Planning
    • Risk Management Consulting
    • Tax Planning
  • Investment Planning
    • Our Investment Philosophy & Investment Best Practices
    • Investment Portfolio Asset Allocation
    • Global Portfolio Diversification
    • Institutional Access
    • Portfolio Rebalancing Services
    • Tax Management Services
    • Portfolio Blueprint
  • The Pure Difference
    • Contact Us
    • Fees
    • Locations
    • Meet the Team
    • News
    • Our Story
  • Your Money, Your Wealth
    • All Podcasts
    • All TV Episodes
    • All TV Shorts
    • Ask Joe & Big Al On Air
    • Guests
    • Special Offer

White Papers

Discover the positive impact a proper financial strategy can have on your life.

More White Papers

Purefinancial

The Ultimate Guide to Roth IRAs

Updated for 2025: Interested in a retirement account that will expand your finances tax-free? Learn everything your need to know about Roth IRAs in this white paper. In this guide, you’ll learn… What a Roth IRA is and the benefits Differences between a Roth IRA and Traditional IRA Rules of Roth IRA contribution limits Roth […]

24
FEB
2025
READ MORE

Mega Backdoor Roth Conversion 5-Year Rule and Bond Investing

Should Jim in New Jersey do the YMYW-infamous Megatron (the Mega Backdoor Roth IRA) or use his Roth 401(k) – and how can he keep bonds out of his Roth accounts? Joe and Big Al discuss the January first start date when it comes to the 5-year rule on Roth conversions for Nancy in Wisconsin, and they spitball on those Roth clocks for withdrawals and tax-efficient investments for Johnny Mercer in Savannah, GA, who also wants to know the pros and cons of bonds vs. bond funds vs. CDs. Plus, should Brad in St. Louis incorporate bonds into his investment portfolio, given the fact that he will have pensions and Social Security providing 5 streams of fixed income in retirement? 

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

17
OCT
2023
LISTEN NOW

Will Your Retirement Savings Last Until You’re 90 Years Old?

Are you behind on your retirement savings? What do you need to do to catch up? If you retire in just a few years, will your money last until age 90? Based on the 5-year Roth withdrawal rules, do you need to open a new Roth IRA for each Roth conversion? Plus, Joe and Big Al spitball a health insurance, capital gains, and real estate strategy to save more money and have more wealth in retirement. Finally, they revisit the SECURE Act rules for withdrawing money from an inherited IRA, and Social Security income limits. 

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

LISTEN on Apple Podcasts | Google Podcasts | Stitcher | Player FM

FOLLOW US: YoutubeFacebookTwitterLinkedIn

01
NOV
2022
LISTEN NOW
SEASON 8, EPISODE 11

Rock Your Retirement With Roth

One of the most powerful retirement tools that Congress has ever given taxpayers is the Roth, but not everyone is taking advantage of its big tax benefits. Many say they don’t even know investing in Roth is an option, much less how to maximize its advantages. Whether your workplace has the Roth option or not, […]

07
AUG
2022
WATCH NOW

Save for a Home or Save for Retirement?

Should you save for a house down payment or invest for retirement? How much long term capital gains tax do you pay on a rental property when you sell it after 20 years, and how does a 1031 exchange work? Also, opening a Roth IRA with the Backdoor Roth strategy, and the 5 year Roth withdrawal rules explained. Plus, a couple retirement spitball analyses: are you saving too aggressively for retirement? Can you avoid the Medicare IRMAA, or income related monthly adjustment amount, and high taxes from required minimum distributions?

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

LISTEN on Apple Podcasts | Google Podcasts | Stitcher | Player FM

FOLLOW US: YoutubeFacebookTwitterLinkedIn

02
AUG
2022
LISTEN NOW

The 5-Year Rules for Roth IRA Withdrawals

Updated for 2022: The 5-year clock starts with the first dollar in your first Roth IRA.  This guide will lay out what you need to know for Roth IRA withdrawals. In this guide, you will learn some of the rules for Roth IRA withdrawals:  Roth IRA withdrawals when you are OVER 59 1/2 Roth IRA […]

21
JUL
2022
READ MORE

The Complete Roth Papers Package

Roth retirement accounts provide tax-free growth on your investments for life, but the rules and strategies can be extensive – and complicated! It’s important that you understand them thoroughly before you begin making contributions, conversions, or withdrawals. Sign up for The Complete Roth Papers Package and you’ll receive: The Roth Basics Guide: eligibility, income limits, […]

09
MAY
2022
READ MORE

Roth 401(k), Conversions, RMDs, and Cap Gains

How do you calculate Roth conversions to reduce taxes when you reach required minimum distribution age? What are the rules for RMDs from a Roth 401(k)? How does the 5 year Roth clock factor into a decision to leave money in an old Roth 401(k) or roll it to a new Roth IRA? Do reinvested dividends count as Roth contributions? Do capital gains count towards the capital gains income bracket? Plus, IRA contributions for minors and the unemployed. Finally, how would Joe, Big Al, and Andi spend lottery winnings?

Subscribe to the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

Free Financial Assessment

07
SEP
2021
LISTEN NOW

How to Do the Mega Backdoor Roth IRA

Backdoor Roth IRA withdrawal rules and the mechanics of the mega backdoor (dump truck!) Roth. Can you still contribute to a Roth after a rollover? How do you calculate Roth conversion taxes due to the pro-rata rule? Also, how to calculate your retirement number for a long retirement or by age; a radical portfolio rebalance; […]

12
JAN
2021
LISTEN NOW

We’ve Got You Covered

Whether you’re nearing retirement, in retirement, had a life-altering event or need investment advice, Pure Financial’s fee-only fiduciary financial advisor team helps craft an investment strategy and retirement plan based on the best interest of your financial goals.

GET AN ASSESSMENT

Find What You Are Looking For

Looking for a guide or white paper on a specific topic? We can help you find it.

Retirement Planning ()
Investing ()
Roth Conversion ()
Retirement ()
Taxes ()
Other Topics
Continue
Link

Lunch n’ Learn

Register Now for Our Next Event!

Register Now
Link

Register for a Class

Ready for Retirement? See Our Upcoming Class Schedule!

Register Now
Link

Experience the PURE Difference

Get Your Free Assessment

Pure Financial Advisors Logo

Sign Up for Our Newsletter

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

Give Us a Call:

1 (866) 876-7873

Quick Links:

  • Log In
  • Careers
  • Contact Us
  • Designations and Certifications
  • Financial Blueprint
  • Form ADV 2A
  • Partner with Pure
  • Pure Financial App
  • Cookie Policy
  • Privacy Policy
  • Privacy Statement

Connect with Us:

  • Youtube
  • Twitter
  • LinkedIn
  • Facebook
Back To Top
Refunds available upon written notice  
© Copyright 2025. Pure Financial Advisors, LLC. All rights reserved.
Manage Cookie Consent
We use cookies to optimize our website and our service.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage {vendor_count} vendors Read more about these purposes
View preferences
{title} {title} {title}
CLOSE
CLOSE
CLOSE
  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Subscribe to YMYW

YMYW Email Newsletter
YMYW on YouTube
YMYW Podcast
CLOSE
CLOSE
X
ALL LOCATIONS

JOB DESCRIPTION

CLOSE

Ask Joe & Big Al on Air

Do you have a question for Joe & Big Al? Ask them on air. Ask your question below or call us directly at 1-888-994-6257.

CLOSE

Special Offer

Submit the form below to claim your offer or call us directly at 1 (866) 876-7873. By completing this form, you agree to receive emails from Pure Financial.

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Upgrade to Planner+

Submit the form below or call us directly at 1 (866) 876-7873.

By completing this form, you agree to receive emails from Pure Financial.

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

 

CLOSE

Get Your Chili Piper Test

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Congress Approves The SECURE Act

For more information on what you need to know about The Secure Act, download your white paper here! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is hidden when viewing the form
  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Get Your Free Assessment

Sign up for a free two-meeting assessment with an experienced financial professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE
CLOSE

Get Your Free Assessment

Sign up for a free financial assessment with an experienced financial professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

 

CLOSE

Join Our Market Newsletter

Let us help you stay up to date on the latest news, analyses and insights into the financial matters that mean the most. Take control of your financial future, Sign up today!

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

We’ll do our best to respond within two business days. Submit the form below or call us directly at 1 (866) 876-7873.

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

White Papers

Download your white paper here! Submit the form below or call us directly at 1 (866) 876-7873.

By completing this form, you agree to receive emails from Pure Financial.
  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Request ADV

The ADV brochure provides information about the qualifications and business practices of Pure Financial Advisors, LLC. Submit the form below or call us directly at 1 (866) 876-7873.

CLOSE

Secure Client Login

Pure Financial Advisors provides links for secure access to view your comprehensive personal financial plan, your private document vault and your investment performance reports through this web page. We want you to feel completely organized and in control of your finances. Your planner is always here to help as your personal financial coach.

Financial Plan

Investment Performance

CLOSE

Talk to an Advisor

Your path to personalized financial advice starts here. Submit the form below or call us directly at 1 (866) 876-7873 to see how one of our trusted advisors can help you.

  • This field is hidden when viewing the form
  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

YMYW Newsletter

Listen to the latest episodes of the Your Money, Your Wealth® podcast free, on-demand, delivered right to your email inbox! Watch new episodes of the Your Money, Your Wealth® television show as soon as they’re available!

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Your Money, Your Wealth

Join the YMYW Newsletter!

Sign up today and receive highlights from
Your Money, Your Wealth® once a week.

  • By clicking submit, you are providing Pure Financial express written consent to be contacted by SMS, possibly using automated technology to the number you provided. If at any time you wish to opt-out of communication, please reply "STOP" to cancel. Text "HELP" for help. Message frequency may vary. Message/data rates may apply. Submission of this form does not authorize the purchase of goods, services, or products. See Pure’s Privacy Policy at the bottom of the webpage.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

NO THANKS