ABOUT THE GUESTS

Peter Keller
ABOUT Peter

Peter Keller is a Financial Planner with over 22 years of experience in estate, investment and tax planning strategies. Peter is committed to providing clients with unbiased, comprehensive and holistic solutions to their financial planning needs. Prior to joining Pure Financial Advisors, Peter worked for a large Broker-Dealer in the Financial Planning Group where he [...]

ABOUT HOSTS

Joe Anderson
ABOUT Joseph

As President of Pure Financial Advisors, Joe Anderson has led the company to achieve over $2 billion in assets under management and has grown their client base to over 2,160 in just ten years of the firm opening. When Joe began working with Pure Financial in 2008, they had almost no clients, negative revenue and no [...]

Alan Clopine
ABOUT Alan

Alan Clopine is the CEO & CFO of Pure Financial Advisors. He currently leads Pure Financial Advisors along with Michael Fenison and Joe Anderson. Alan joined the firm about one year after it was established. At that time the company had less than 100 clients and approximately $50 million of assets under management. As of [...]

When people start putting a financial plan together for retirement they often focus on a magical number that represents security to them when they’ve stopped working. But the reality is having financial security in retirement is much more than reaching the goal of saving a set number of dollars.

Building a dynamic financial plan that adjusts with your evolving needs and the ups and downs of the market, is a much better strategy to achieving the retirement of your dreams. Financial professionals Joe Anderson and Alan Clopine breakdown what a dynamic plan looks like and they also guide you through the strategies that can help you to put a plan in place that works best for you.

Important Points:
(01:11) – Retirement Savings and Spending

(02:48) – Build A Dynamic Financial Plan

  • Set Retirement Date & Lifestyle
  • Develop An Investment Strategy
  • Utilize Tax Strategies
  • Distributions (Withdrawal Strategy)

(04:00) – Life Expectancy

(04:50) – Checklist for Retirement Planning

  • Pick Your Retirement Date
  • Consider Your Longevity
  • Consider Your Desired Lifestyle
  • Check the Math – Is It Achievable?
  • Adjust 1 or 3, As needed

(05:36) – Retirement Plan Example

(09:31) – Develop an Investment Strategy

  • Automate Your Savings
  • Consider Stock vs. Bond Allocations
  • Select Types of Investments
  • Rebalance to Maintain Risk Profile

(11:35) – Tax Diversification

(15:20) – Tax-Loss Harvesting

(18:54) – Distribution Strategies

(20:40) – Ask the Experts

(24:02) – Pure Takeaway: Build A Dynamic Investment Plan

  • Consider Your Retirement Date & Lifestyle
  • Invest to Achieve Your Retirement Goals
  • Save on Taxes to Stretch Your Savings
  • Create a Tax-Efficient Withdrawal Plan

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