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
    • Orange County Workshops
    • San Diego 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

YMYW TV Episodes

Your Money, Your Wealth® TV, featuring Joe Anderson and “Big Al” Clopine.

Watch live at 6:30am Sundays on CBS 8 San Diego.

VIEW SHOWTIMES

More Episodes

Purefinancial

How Much Money Do You Need to Retire in 2026?

George and Weezy in the land of Lincoln will have deferred compensation and wonder if they can retire in mid-2026, or even earlier. Will they have enough? Should Jenn in Ohio move with work, take a break, or just retire? She asks Joe and Big Al for a brutally honest spitball. Seth isn’t sure if he can afford to stay retired at age 52, and whether he should convert his retirement savings to Roth, so he uses an AI voice to ask the fellas for his spitball. And Leon uses his real voice to ask whether REIT ETFs are a good way to get into real estate investing.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

15
JUL
2025
LISTEN NOW

Asset Location, Investing Property Sale Proceeds, and Maxing Tax-Free Retirement

You’ve got your tax-free Roth accounts and your tax-deferred retirement accounts. Should you invest the same way in each? Kevin in Denver wants to know. Jim and Pam in Orange County are eligible for combat zone tax exclusions (CZTE). How else can they maximize their tax-free retirement strategy?  Susan Brandeis, CFP® spitballs with Big Al Clopine, CPA, today on Your Money, Your Wealth® podcast number 537. Plus, should Ned in Tokyo sell his Bay Area rental property and invest the proceeds? And Bob and Brigette in Wisconsin got a late start on Roth IRA savings. Should they prioritize saving into a Roth, brokerage account, or 401(k)?

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

08
JUL
2025
LISTEN NOW

Social Security vs. Pension No More

If your pension impacted your ability to collect Social Security benefits, 2025 is a very good year for you and your spouse. The Windfall Elimination Provision and the Government Pension Offset are no more, and you’re now eligible for your full Social Security benefits AND your pension!  Today on a quick Your Money, Your Wealth® podcast number 536, while Joe hangs in the North Star State, Big Al Clopine explains what the Social Security Fairness Act means for Cherilyn and her husband, and “Nuke La Loosh” and his wife, with the help of our special guest co-host, Susan Brandeis, CFP®.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

01
JUL
2025
LISTEN NOW

When Do Roth Conversions STOP Making Sense?

Ryan in Texas is in the 32% tax bracket. Where should he save for retirement so he’ll be in a lower bracket? Should Weronika in Texas pay the taxes now to convert to Roth for lifetime tax-free growth in the future, even though she’s in the 37% tax bracket? And Jerry in Phoenix wonders if there is a point where Joe would come to the conclusion that Roth conversions no longer make sense? Stay tuned for the 7 reasons to consider NOT converting to Roth. First up, a word of Roth conversion thanks from Al in Florida.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

24
JUN
2025
LISTEN NOW
SEASON 11, EPISODE 3

The Last 5 Years Before Retirement Will Decide Your Lifestyle – Here’s How

Are you ready for retirement? Are you prepared? Are you nervous? How you prepare in the last few years before you retire will greatly impact what kind of retirement lifestyle you’ll enjoy. This week, Joe and Big Al count you down to retirement with the must-do preparations that’ll get you ready to punch the clock […]

22
JUN
2025
WATCH NOW

Roth Conversions vs. IRMAA, Using Retirement Funds to Pay the Mortgage, Retirement Spending Plan

Ralph and Alice in Monument, Colorado have $4.6 million dollars saved at ages 63 and 58. Should they do Roth conversions? How do they avoid IRMAA? Mary Jo in Escondido, California wonders if she should use her 403(b) money to pay off her mortgage. And Lucas plans to spend from his brokerage, then his 401(k), then his Social Security and pension when he retires in 20 years. What do Joe and Big Al think of his strategy? Find out today on Your Money, Your Wealth® podcast 534.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

17
JUN
2025
LISTEN NOW

Early Withdrawals, Tech Stocks vs. International, Annuities, ESOP and NUA

Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn’t interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long-term growth? That’s today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al’s opinion on “backdoor Rothing” his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA – that is, employee stock ownership plans and net unrealized appreciation – for Tess and Finn in Texas.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

10
JUN
2025
LISTEN NOW

“The Payoff is Huge”: Jonathan Clements’ Final Initiative to Empower Lifelong Savers

Imagine being told you only have 12 months to live. What would you do with your time? Jonathan Clements returns to Your Money, Your Wealth® for his fourth appearance. For thirty years, Jonathan has been known for his personal finance writing: in his column “Getting Going,” which appeared in the Wall Street Journal over 1,000 times starting in 1994, on his website HumbleDollar.com, and in his many acclaimed books. About a year ago, Jonathan Clements was diagnosed with a rare form of lung cancer and was told he had about a year to live. Today we’re celebrating the fact that he is still here with us, and we’re inspired by his decision to use his precious time to launch The Jonathan Clements Getting Going on Savings Initiative. Tune in for your chance to receive a free Kindle copy of Jonathan’s new book, and learn how you can help Jonathan pay it forward for the next generation.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

03
JUN
2025
LISTEN NOW

Is Your Retirement Plan on Track?

Retiring with confidence is a goal for many—but how can you be sure you’re on the right track? Pure’s Senior Financial Advisor, Sumit Mehta, CFP®, AIF®, offers practical strategies to strengthen your retirement plan—no matter your stage of life. Start making informed choices today to help secure the financial future you envision for tomorrow. He […]

02
JUN
2025
READ MORE

Tariffs Killed My Portfolio. Should I Claim Social Security Early?

Tariffs killed Carl’s investment portfolio and left him wondering if he should claim Social Security early. Kelly and Steve in Pennsylvania ask for a three-fer spitball: when to claim their Social Security, whether they should contribute to Roth or convert to Roth for that lifetime tax-free growth on their investments, and if they’re on track for Kelly to retire in three years.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

27
MAY
2025
LISTEN NOW
SEASON 11, EPISODE 2

Retirement Course: Can You Hit a Hole in One? With PGA Pro Chris Riley

Planning for retirement is a challenge, just like the game of golf. Only 3.2% of retirees have a million dollars in their retirement accounts, and only 1-2% of golfers annually make a hole-in-one. Luckily, you don’t need a hole-in-one to win the financial game – but you do need a strategy. Joe Anderson, CFP® and […]

25
MAY
2025
WATCH NOW

Portfolio Drift, Avoiding Capital Gains, and a $6M Retirement

What should you do when the asset allocation of your retirement portfolio drifts? Joe and Big Al spitball on rebalancing for DJ in St. Louis. Plus, Coach Dobber in Minnesota is curious about municipal bonds in a brokerage account, and Daniel in Stevensville, Michigan needs details on emergency funds. Also, can Tim the Enchanter do a Roth conversion and avoid the “nasty, big pointy teeth” of capital gains tax? Duke in upstate New York told his wife they need 6 million dollars in retirement, and she said he was silly. What say Joe and Al? We’ll find out.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

20
MAY
2025
LISTEN NOW

When to HOLD OFF on Doing Roth Conversions

John in Boston is in the 32% tax bracket. Should he do Roth conversions? Flight Deck Dad and Irish Girl in Pensacola have a lot of tax-free pension income. Should they do Roth conversions? Bert and Ernie in New Jersey wonder if they should convert to Roth or take advantage of zero percent capital gains tax rates. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them today. Plus, Michael and his wife in Bellevue are 34, in the 24% tax bracket and wonder if they should contribute to tax-free or tax-deferred accounts, and if they should slow down on retirement savings and start a bridging account for the years between when they want to punch the clock in their early to mid-50s, and when they can access their retirement savings. Then, for something completely different, Frenchie from Maine writes back in: What are the disadvantages to paying off her mortgage ASAP, and what’s the tax efficiency of a money market compared to bond funds?

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

13
MAY
2025
LISTEN NOW

Retirement Savings: When to Take Your Foot Off the Gas

You’ve been jamming money into your retirement accounts for years now. When is it okay to slow down? Joe and Big Al spitball for Ron and Veronica in Indiana. Plus, how can Scott in Illinois bridge the gap from age 55 to retirement income at 57? How should Big Juan in Texas pay for college? Should he convert his TSP to Roth? Can he retire at 55 And finally, Frank and Jane Drebin in Wisconsin are 46 and 47 and wondering if their plan for retirement in 5 years is just a pipe dream.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

06
MAY
2025
LISTEN NOW

Taxable Income, Dividends, Roth & SMA: What’s Missing in Your Early Retirement?

What are the pros and cons if Chip uses the money in his taxable brokerage account for early retirement income? Jack and Sally ask Joe and Big Al to spitball on whether they can retire around age 55 or 60, and whether they should max out their Roth or convert to Roth. Plus, April and Andy ask the fellas to spitball on their dividend investing strategy, and Don wonders if a separately managed account or SMA makes sense for his taxable account. (We’ll also find out what an SMA is.)

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

29
APR
2025
LISTEN NOW
Load More

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 podcast on a specific topic? We can help you find it.

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

Tune in Every Week

View Showtimes
Link

Subscribe to Our Podcast

Subscribe Now
Link

Experience the PURE Difference Today

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