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

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 [...]


In putting together a finical plan for retirement, it is critical to understand what risks can help grow your retirement funds and which ones can derail your financial plan. The last thing you want in retirement is to be forced back into going to work. Pure Financial Advisors’ experts Joe Anderson and Alan Clopine explore the risks in retirement that can help and hurt your financial planning.

Important Points:

(1:00) – A Few Risks to Consider in Retirement

(2:40) – How to Limit Your Longevity Risk (How to Not Out Live Your money)

(4:45) – How to Manage Your Sequence of Return Risk

(7:49) – Is one of the most overlooked risks in retirement unexpected healthcare costs?

(9:40) – How to Limit Your Tax Risk: What Deferring Could Do to Your Taxes

(14:55) – Are retirees at a greater risk of getting a divorce during their retirement years than they were a decade previously?

(17:20) – Don’t Forget About Inflation Risk

(18:40) – Lost Opportunity Risk: Stay Invested in the Market

(21:15) – Question: I am 52 years old and only have about a quarter of the money I need to retire at 70. Do I take more risk with the stocks I buy to try to catch up on the funds I need to retire?

(23:10) – My home is my primary investment for retirement. How do I estimate the risk of market fluctuations in determining how much it will be worth when I retire?


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