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

Alan Clopine is the CEO & CFO of Pure Financial Advisors. As CEO he currently leads Pure Financial Advisors along with our executive team. As CFO he is responsible for the financial operations of the company. Alan joined the firm about one year after it was established. At that time the company had less than [...]


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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