Your Money, Your Wealth is retirement planning, investing, and tax reduction made fun! Listen to the podcast trailer and follow on your favorite podcast app.
Show Notes
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Transcription
Andi: Welcome to Your Money, Your Wealth, with CERTIFIED FINANCIAL PLANNER™ Joe Anderson:
Joe: So the tax deduction that he receives, he has to pay back in the future – with interest! Because there is no free lunch!
Andi: And Certified Public Accountant Alan “Big Al” Clopine:
Al: The fact that you’re able to withdraw $150,000, that’s great, fantastic. But that’s not going to cover your current lifestyle. With inflation, it changes tax rates, it changes all kinds of stuff.
Andi: Visit YourMoneyYourWealth.com and click Ask Joe and Big Al On Air to get a Retirement Spitball Analysis of your own.
Joe: (spitball sound effect) I can spitball this thing. (Laughing) I would absolutely convert the $900,000 or more, all day, every day, right now.
Al: Okay, yeah, I wouldn’t do it in a million years – except in one situation.
Joe: What?
Al: And that is if the market crashes.
Joe: It’s crashed.
Al: Right. So I would at least think about it.
Andi: It’s retirement planning, investing, and tax reduction made fun.
Joe: Let’s say the markets continue to go down, convert some more. And then if the markets continue to blow up, don’t ever call this show again. (Laughing) “Hey I kept on converting-“
Al: “- just like you said -“
Joe: “- and I lost my ass, and I pay all this tax.” This is not advice. We’re just sitting around a little bar stool, just talking finance.
Al: Havin’ fun.
Joe: Yeah we’re just shootin’ the breeze.
Al: We’re spitballing.
Joe: Ya know? It’s called a spitball.
Al: We’re just having a conversation.
Joe: Yes.
Andi: And there are occasional Derails:
Al: I did go ice skating in Coronado.
Joe: I thought that was for kids. Were you the only adult in there, just chasin’ the kids? (Laughing)
Al: I was older by 60 years. (Laughing)
Joe: “Oh my God, Mommy, Daddy, who’s that creepy old man at the ice skating rink? He keeps talking about taxes, it’s so weird!” (Laughing)
Al: That’s right, “how’s your 401(k)? Is it invested right?” (Laughing)
Joe: “Tell your parents to do a Roth conversion!” (Laughing)
Al: “Don’t spend the Roth money, guard the Roth!” (Laughing)
Andi: Follow YMYW on your favorite podcast app and share this trailer with your friends. And hey, thanks for listening – because this show would not be a show without you.
Joe: For Big Al Clopine, Andi Last, I’m Joe Anderson, show’s called Your Money, Your Wealth.
Andi: Presented by Pure Financial Advisors, a registered investment advisor.
This show does not intend to provide personalized investment advice through this broadcast and does not represent that the securities or services discussed are suitable for any investor. Investors are advised not to rely on any information contained in the broadcast in the process of making a full and informed investment decision.
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IMPORTANT DISCLOSURES:
Pure Financial Advisors is a registered investment advisor. This show does not intend to provide personalized investment advice through this broadcast and does not represent that the securities or services discussed are suitable for any investor. Investors are advised not to rely on any information contained in the broadcast in the process of making a full and informed investment decision.
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor.
• Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations.
• Opinions expressed are not intended as investment advice or to predict future performance.
• Past performance does not guarantee future results.
• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.
• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.
• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
CFP® – The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation.
AIF® – Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation.
CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.
