Joe Anderson
ABOUT Joseph

As CEO and President, Joe Anderson has created a unique, ambitious business model utilizing advanced service, training, sales, and marketing strategies to grow Pure Financial Advisors into the trustworthy, client-focused company it is today. Pure Financial, a Registered Investment Advisor (RIA), was ranked 15 out of 100 top ETF Power Users by RIA channel (2023), was [...]

Alan Clopine

Alan Clopine is the Executive Chairman of Pure Financial Advisors, LLC (Pure). He has been an executive leader of the Company for over a decade, including CFO, CEO, and Chairman. Alan joined the firm in 2008, about one year after it was established. In his tenure at Pure, the firm has grown from approximately $50 [...]

Scenario #1
One Spouse Earns More than the Other
• Higher earner may want to delay to age 70
• Lower earner may want to collect at full retirement age
• Assumption: At least one spouse anticipates a long life
• Benefit: Higher benefit for survivor plus current benefits sooner

Scenario #2
Both Spouses Have Similar Lifetime Earnings
• Both spouses may want to delay to age 70
• Assumption: Both spouses anticipate a long life
• Benefit: Higher benefit for both spouses

Scenario #3
Only One Spouse Has Earned Income
• Earner spouse may want to delay to age 70
• Advantage: Highest survivor benefit
• Earner spouse may want to claim at full retirement age
• Advantage: Best for spousal benefit

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