ABOUT THE GUESTS

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 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 153 out of 715 RIA’s nationwide by total assets under management by [...]

Alan Clopine
ABOUT Alan

Alan Clopine is the CFO & Chairman of the Board of Pure Financial Advisors. He has been an executive leader of the Company for over a decade. As CFO he is responsible for the financial operations of the company as well as investor relations. Alan joined the firm in 2008, about one year after it [...]

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

Make sure to subscribe to our channel for more helpful tips and the latest episodes of “Your Money, Your Wealth.”