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 15 out of 100 top ETF Power Users by RIA channel (2023), was [...]

Alan Clopine

Alan Clopine is the Executive Chairman of Pure Financial Advisors, LLC (Pure). He has been an executive leader of the Company for over a decade, including CFO, CEO, and Chairman. Alan joined the firm in 2008, about one year after it was established. In his tenure at Pure, the firm has grown from approximately $50 [...]

Published On
January 21, 2017

Asking yourself these important questions before retiring helps rule out any unwanted surprises. Joe and Al dig into the email bag to answer your questions.

2:48 “When you use debt properly, it can actually be pretty effective.”

9:32 “Here are 18 questions to ask yourself before you retire…let’s start with the first one: what does being retired mean to you?”

13:02 “Absolutely make sure you communicate what your retirement vision looks like to your spouse.”

16:58 “What would you like to add to your life and eliminate from your life?”

20:19 “How do you feel about downsizing? A lot of our equity and net worth is pent up in our home.”

25:06 “Should I recharacterize my Traditional IRA contributions to a Roth IRA?”

26:12 “Virtually anyone that’s working and has earned income can do a regular IRA contribution as long as you’re under 70 ½, however here are a couple stipulations…”

27:31 “If you’re single and your income is in between $118,000 and $133,000 you can do a partial Roth contribution.”

28:48 “You can do a Roth conversion regardless of your income level and age, and you don’t have to be working.”

30:33 “Recharacterization means you’re undoing your contribution that you made.”

31:36 “Control is everything when it comes to your money in retirement, because in retirement you actually do have more control over how much you pay in taxes [according to] which accounts you take money out of, and each account may be taxed differently.”