Retirement Classes Enrolling Now!

SIGN UP
Pure Financial Advisors, Inc.
FORM CRS LOCATIONS CONTACT CALL LOG IN GET AN ASSESSMENT
  • Financial Resources
    • Free Assessment
    • Educational Events
    • Educational Videos
    • Blog
    • All White Papers
    • All Webinars
  • Retirement Classes
    • Digital Classes
    • San Diego Classes
    • Los Angeles Classes
    • Orange County Classes
  • Financial Planning
    • Retirement Planning
    • Cash Flow Analysis
    • Tax Planning
    • Risk Management Consulting
    • Estate Planning
  • Investment Planning
    • Our Investment Philosophy & Investment Best Practices
    • Investment Portfolio Asset Allocation
    • Global Portfolio Diversification
    • Institutional Access
    • Portfolio Rebalancing Services
    • Tax Management Services
  • The Pure Difference
    • Our Story
    • Meet the Team
    • Fees
    • Locations
    • Contact Us
    • News
  • Your Money, Your Wealth
    • All Podcasts
    • All TV Episodes
    • All TV Shorts
    • Guests
    • Special Offer
    • Ask Joe & Al
Your Money, Your Wealth® podcast

Podcasts

Weekly podcasts with Joe Anderson, CFP® and “Big Al” Clopine, CPA.

Subscribe to YMYW

More Podcasts

Retirement Portfolio Strategies and Making Sense of Fees

Does it matter if you put retirement savings in the older spouse’s accounts first? Does Marion have a good VTSAX to VTWAX tax-loss harvesting and portfolio rebalancing strategy? Plus, Joe and Big Al help you make sense of fees – both from your financial advisor and on exchange-traded funds, or ETFs. Big Al will provide […]

03
NOV
2020
LISTEN NOW

YMYW Spitball Analysis 3: Tax Diversification and Asset Allocation

On round 3 of the YMYW Retirement Plan Spitball Analysis, Joe and Big Al focus on your tax diversification and asset allocation questions: should more money be going into Christy’s pre-tax Roth accounts? Has Roger set up a good portfolio for his elderly relative? Plus, the Rule of 100 (or the Rule of 120) for […]

20
OCT
2020
LISTEN NOW

All About the Backdoor Roth IRA Strategy

Should you wait until retirement to do a backdoor Roth IRA conversion? Plus, the pro-rata rule, self-employed modified adjusted gross income (MAGI) vs. AGI, and how capital gains work with Roth conversions. Also, strategizing for if and when the estate planning step up in basis tax laws change, whether a high yield savings account is […]

13
OCT
2020
LISTEN NOW

Rebalancing Your Retirement Portfolio in Market Downturns

Retirement portfolio rebalancing when the market goes down, accumulation, de-accumulation, dollar cost averaging, and IRR, ROR, and CAGR (not “kegger”) as ways of calculating rates of return on investments. Plus step-up in basis, required minimum distributions (RMDs), capital accumulation life insurance plans, tax planning for new homebuyers, spousal Social Security benefits, and of course, backdoor […]

06
OCT
2020
LISTEN NOW

Will Estate Tax Law Changes Affect Your Family Financial Plan?

How might Joe Biden’s or Donald Trump’s changes to the lifetime estate tax exemption impact your estate plan? Plus, is there any reason to have pre-tax retirement accounts? How long does money have to be in a traditional IRA before a backdoor Roth conversion? Can annuities be converted to Roth? And more on dividends, long […]

22
SEP
2020
LISTEN NOW

Market Timing and Day Trading in a Roth IRA?

Is timing the market and day trading in your Roth IRA in retirement a good idea? How are you taxed if you collect dividends vs. reinvesting? Plus, tax loss harvesting, asset allocation, investing in bonds, the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) for spousal Social Security, and IRA vs. 529 plan for […]

08
SEP
2020
LISTEN NOW

Dividend-Paying Stocks and Investing Strategies at All Ages

Strategies for investing in dividend-paying stocks and how the pro-rata rule for Roth conversions work with dividends. Plus, Wealthfront, M1, Paul Merriman, Vanguard? Should young investors use a robo-advisor or pay for financial advice? Joe and Big Al also offer thoughts on a Vanguard portfolio for retirement and ideas for young entrepreneurial small business owners […]

11
AUG
2020
LISTEN NOW

What Is Your Retirement Number? YMYW Spitball Retirement Analysis

Joe and Big Al spitball considerations for a few listener retirement plans, including investing in brokerage and Roth instead of pre-tax, getting tax diversification, taking the pension lump sum or annuity, paying for college education, and calculating a “retirement number” to put your savings on autopilot. Plus, what life insurance “investment” has a purported “guaranteed” […]

28
JUL
2020
LISTEN NOW

Tax Gain Harvesting, Active vs. Passive Investments… and Roth Conversions

Should you tax gain harvest or do a Roth IRA conversion? Should active or passive investments go in retirement accounts? If you’re on the younger side, why own bonds? Are Vanguard Roth accounts any better or worse than others? What’s the break-even on taking Social Security early vs. late? Should you convert your 401(k) or […]

21
JUL
2020
LISTEN NOW

Are These Retirement Investment Strategies On Track?

Joe and Big Al take a look at an investing strategy a listener set up for his parents, and they run the numbers on their variable annuity. They also kick the tires on an early retirement plan and they discuss equity allocations in a portfolio. And since no YMYW is complete without a little Roth […]

30
JUN
2020
LISTEN NOW

Can You Do a Coronavirus-Related Distribution to Roth Conversion?

Is it possible to do a Roth IRA conversion with a Coronavirus-Related Distribution from your retirement accounts? Joe and Big Al will explain whether you can and if you should. Plus, more stimulus payment questions, charitable giving strategies from your required minimum distribution (RMD), selling stock for tax-free capital gains, and an analysis of exchange-traded […]

16
JUN
2020
LISTEN NOW

Roth IRA Conversion and Contribution Rules

Roth IRA contributions and conversions come with plenty of rules: contribution rules, withdrawal rules, safe harbor rules, pro-rata and aggregation rules. In this episode, we explain these rules, and how they apply to both traditional retirement plans, and to accounts like SEP IRAs and thrift savings plans (TSP). Plus, understanding small-cap, mid-cap, large-cap, value, and […]

09
JUN
2020
LISTEN NOW

Pre-Tax or Roth Contributions for Retirement Savings?

Should market volatility and the economic downturn due to the COVID-19 pandemic change where you save for retirement? Should contributions go to pre-tax accounts or to post-tax Roth accounts? Plus, Coronavirus related distributions, how to use a PPP loan to pay your self-employed self, backdoor Roth IRA conversions, and strategies for funding a Roth IRA […]

02
JUN
2020
LISTEN NOW

4 Financial Strategies from the Stimulus Package

In this jam-packed episode of the Your Money, Your Wealth® podcast, stimulus payments for self-employed, dependents, and those who message us on Facebook, plus, the paycheck protection program, coronavirus-related distributions, Roth and Backdoor Roth conversions, tax-loss harvesting, and the solo 401(k). Subscribe to the YMYW podcast  Subscribe to the YMYW podcast newsletter FOLLOW US: YouTube […]

28
APR
2020
LISTEN NOW

Analyzing 5 Investing Strategies for Volatile Markets

In these volatile financial markets, are you reconsidering your investing strategies? Joe and Big Al discuss where and when to invest cash, selling stocks in taxable accounts and repurchasing them in tax-deferred accounts, doing nothing and staying globally diversified, writing an investment policy statement, rebalancing more frequently, and doing Roth conversions, as well as fixed […]

31
MAR
2020
LISTEN NOW
Load More

We’ve Got You Covered

Whether you’re nearing retirement, in retirement, had a life-altering event or need investment advice, Pure Financial’s fee-only fiduciary financial advisor team helps craft an investment strategy and retirement plan based on the best interest of your financial goals.

GET AN ASSESSMENT

Find What You Are Looking For

Looking for a podcast on a specific topic? We can help you find it.

Investing (93)
Roth IRAs (49)
Diversification (4)
Stocks (7)
Other Topics
Continue
Link

Tune in Every Weekend

Saturdays at 6:30 a.m. on CBS 8 San Diego

View Showtimes
Link

Subscribe to Our Podcast

Every Saturday at 10 a.m. on San Diego’s Talk, AM 760

Subscribe Now
Link

Experience the PURE Difference Today

Get Your Free Assessment

Sign Up for Our Newsletter

Your information is secure.

Give Us a Call:

1 (866) 876-7873

Quick Links:

  • Careers
  • Contact Us
  • Designations and Certifications
  • Form ADV 2A
  • Partner with Pure
  • Privacy statement (US)
  • Privacy statement (EU)
  • Pure Financial App

Connect with Us:

  • Youtube
  • Twitter
  • LinkedIn
  • Facebook
Back To Top
© Copyright 2020. Pure Financial Advisors, Inc. All rights reserved.
CLOSE
CLOSE
CLOSE

Your information is secure.

CLOSE

Subscribe to YMYW

YMYW Email Newsletter
YMYW on YouTube
YMYW Podcast
CLOSE
CLOSE
X
ALL LOCATIONS

JOB DESCRIPTION

CLOSE

Ask Joe & Big Al on Air

Do you have a question for Joe & Big Al? Ask them on air. Record your question below or call us directly at 1-888-994-6257.

Your information is secure.

Note: Your message will not be sent until you press "Send"

  • Please answer the following question to submit the form:
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Special Offer

Submit the form to claim your offer - check your email inbox for your guide.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Get Your Chili Piper Test

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

COVID-19 Response

Read the latest updates here to see how Pure Financial Advisors is responding to the COVID-19 Coronavirus to keep our clients and our staff safe.

CLOSE

Congress Approves The SECURE Act

For more information on what you need to know about The Secure Act, download your white paper here! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Get Your Free Assessment

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE
CLOSE

Get Your Free Assessment

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Join Our Market Newsletter

Let us help you stay up to date on the latest news, analyses and insights into the financial matters that mean the most. Take control of your financial future, Sign up today!

Your information is secure.

CLOSE

We’ll do our best to respond within two business days. Submit the form below or call us directly at 1 (866) 876-7873.

Your information is secure.

CLOSE

White Papers

Download your white paper here! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Request ADV

The ADV brochure provides information about the qualifications and business practices of Pure Financial Advisors, Inc. Submit the form below or call us directly at 1 (866) 876-7873.

Your information is secure.

CLOSE

Secure Client Login

Pure Financial Advisors provides links for secure access to view your comprehensive personal financial plan, your private document vault and your investment performance reports through this web page. We want you to feel completely organized and in control of your finances. Your planner is always here to help as your personal financial coach.

Financial Plan & Vault

Investment Performance

CLOSE

Talk to an Advisor

Your path to personalized financial advice starts here. Submit the form below or call us directly at 1 (866) 876-7873 to see how one of our trusted advisors can help you.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

YMYW Newsletter

Listen to the latest episodes of the Your Money, Your Wealth® podcast free, on-demand, delivered right to your email inbox! Watch new episodes of the Your Money, Your Wealth® television show as soon as they’re available!

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Your Money, Your Wealth

Join the YMYW Newsletter!

Sign up today and receive highlights from
Your Money, Your Wealth® once a week.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

NO THANKS