Show Notes

• 00:00 – Intro: This Week on the YMYW Podcast
• 00:44 – Thanks for Suggesting a Roth Conversion During the Market Drop (comment from Al, FL)
• 03:38 – In the 32% Tax Bracket. Where Should I Save for Retirement to Be in a Lower Bracket? (Ryan, TX)
• 07:57 – In the 37% Bracket: Backdoor Roth or Non-Roth Investments for Retirement Savings? (Weronika, TX)
• 12:25 – Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle – Here’s How on YMYW TV. Calculate your free Financial Blueprint
• 13:23 – Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ)
• 25:26 – YMYW Podcast Outro

DOWNLOAD The Ultimate Guide to Roth IRAs

EASIRetirement.com retirement calculator from Boldin, formerly NewRetirement

Insults to a Nose (Scene from Steve Martin movie “Roxanne” – warning, language!)

Guides | Blogs | Educational Videos | YMYW Newsletter | Subscribe on YouTube

Watch today’s podcast episode on YouTube

Transcription

(NOTE: Transcriptions are an approximation and may not be entirely correct)

Intro: This Week on the YMYW Podcast

Andi: Ryan in Texas is in the 32% tax bracket. Where should he save for retirement so he’ll be in a lower bracket? Should Weronika in Texas pay the taxes now to convert to Roth for lifetime tax-free growth in the future, even though she’s in the 37% tax bracket? And Jerry in Phoenix wonders if there a point where Joe would come to the conclusion that Roth conversions no longer make sense? That’s today on Your Money, Your Wealth podcast number 535. First up, a word of Roth conversion thanks from Al in Florida. I’m Executive Producer Andi Last in ever lovin’ Adelaide, with the hosts of Your Money, Your Wealth®, Joe Anderson, CFP® (still in Minnesota as you watch or listen), and currently not thinking about YMYW at all in Greece, Big Al Clopine, CPA.

Thanks for Suggesting a Roth Conversion During the Market Drop (comment from Al, FL)

Joe: Alright, let’s go to Big Al. Is this your brother in Florida?

Al: Apparently, yeah.

Joe: Just want to thank you guys during the market plunge, either Big All or Joe recommended to use Market Drop to do Roth conversions. I did, and with the market recovery I have recaptured 30% of the taxes I paid.

Al: How about that?

Joe: Boom, I would not have thought of doing that. Thanks again.

Al: Yeah, that’s a good strategy that I think a lot of people don’t necessarily think about. So it’s simply this. So the market declines and instead of freaking out, look at the opportunities that you have. One opportunity that you have is consider the money in your IRA, 401(k). Can you convert it to a Roth IRA? Whatever you convert, whatever it’s worth, when you convert it, that’s what you pay taxes on. And if the market’s down, you’re gonna pay lower taxes and let that market recover while it’s in a Roth IRA. And that future growth is tax free.

Joe: Yeah. Cut a check to pay the tax and all of a sudden he looks a month later, it’s like, well, wait a minute. I’ve just recovered everything that I paid in tax.

Al: I’m caught up. Yeah. Look at that.

Joe: I broke even. Right. So, yeah, I, think a, there’s so many different strategies that you need to be thinking about in regards to like how you’re managing your assets. I think when people think about asset management, they think about the asset allocation, right? How much money should I have in. Stocks and bonds, and what stocks should I buy or what bonds should I buy and should I get in alternatives? Yeah, of course, all of that is important, but I think what’s more important is how you react to certain markets. If you have a strategy on managing the risk, such as when markets go up or down, that you’re constantly selling high and buying low. Or what are you doing from a tax management perspective, such as tax loss harvesting? So if you have money in a capital asset account or a brokerage account, and, when those assets go down, can you sell and buy something similar to start harvesting losses, to offset against future gain? And the one that we just talked about is like doing Roth conversions. So there’s so many other strategies that you should be thinking about if you have a discipline approach, look at Big Al here, right? He. If he got 30% of his money back and who knows what he was invested in. Right, right, right. If he had just a simple, you know, low cost, globally diversified allocation, and if he does things appropriately when markets get a little bit scary, he’s gonna be way ahead if he would’ve picked the best investment in most cases.

Al: Yeah, absolutely. I mean, it’s, and that’s the thing most people think about. I don’t even want to think about the market or they sell, which is a. Terrible mistake. Right, right.

Joe: I would say most people sell.

Al: Yeah. I mean, that, that’s what you think about doing. It’s like, I, can’t afford to lose any money, Joe Al, I’m retired. I don’t have that much time. Well, wait a minute. You retired at 62 and life expectancy is into the late eighties.

Joe: Right.

Al: You have a lot of time. You need some growth. You need some growth for place.

In the 32% Tax Bracket. Where Should I Save for Retirement to Be in a Lower Bracket? (Ryan, TX)

Joe: Alright, let’s move on. Let’s go to, Hey guys and gal. My name’s Ryan. I’m from Texas. I first wanna say I love the show. Great. great info and very entertaining. And I love the wit.

Andi: Y’all so witty.

Joe: Wonder who’s talking about,

Al: see, we’re talking about you or me.

Joe: Yeah. I think it’s your Big Al,

Al: or both.

Joe: Yeah. Tax chat with Big Al. I drive a Ford F-150 and I love a drink. A good old fashioned or a cold beer. Okay. Ford F-150. I’ve been contributing the maximum amount to my Roth 401(k) since I was, since it was available. Thanks. To this shy year.

Andi: I think it started with, thanks to this year, my wife and I, so I think he might’ve left out a word or two.

Al: Oh yeah, just go with the year. Thanks to this year,

Joe: Roth 401(k) since it was available, thanks to this year. My wife and I have some bumps in pay. It will be making 405,000. We’ll be making $405,000 combined jointly.

Al: Sounds like a great year. Sounds like a great year. Not too many bumps there.

Joe: No big bumps. That puts us at 21,000 into the 32% tax bracket. Should I switch out of a Roth to keep in the lower bracket? My wife will still put hers in the Roth. That leads me to the second question. I max out my 401(k), but my wife only takes advantage of the match. Now that we have increased income, should I max hers out or should I begin putting money into a taxable account? Right now, I think I’m on track to hit my 401(k) goal of $3 million by 65. That goal obviously be higher if both of us maxed out the 401(k) each year, or should I keep my goal? Where it is and add into a taxable count. Thank you again. Alright. 32% tax bracket? Yeah. only 21,000. Here’s my rule of thumb in savings, Ryan. Okay. Fully fund the 401(k) plan. Yep. Right. And then if he can do Roth IRAs, If he can’t qualify for Roth IRAs, do backdoor Roth IRAs.

Al: Okay. So that means you if you can do backdoors.

Joe: Yeah, I would imagine Ryan can do a backdoor because if he has IRAs, put those IRAs into your existing 401(k) right? Then you do a non-deductible. IRA contribution. Convert those to Roth. Have your wife fully fund max it out. If she’s doing Roth fine, have her do Roth. She probably should do pre-tax if I was big. Al I don’t know how old Ryan is though.

Al: I don’t either. Yeah, that would be helpful.

Joe: if he was in his forties, thirties, or forties, I would say probably do Roth if he’s in his mid fifties, getting closer to 65, maybe pre-tax at that 32% bracket.

Al: I, I’m right with you. I think if you’re near retirement, 32% bracket, I don’t really like, right. So I would, actually, 21,000 is what you’re saying. You’re into the 32% bracket. Maybe do that as, a traditional to get to the top of the 24. If you’re younger, then chances are your income is only gonna go up. Tax rates are probably gonna go up. So why not just max out the Roth? Do it and forget about it.

Joe: Yeah. So max out 4 0 1 Ks, go to backdoor Roth IRAs, and then after that, I would do the mega backdoor. So do you have an after tax component in the 401(k) plans? If you do, I would take full advantage of that and convert those to Roths, and then from there I would start building up the brokerage account.

Al: Makes sense.

Joe: $400,000 a year.

Al: A lot to work with.

Joe: Yeah. A lot of work with there.

Al: Yeah. Yeah. And, if you think about it this way, anytime you’ve, you have a choice, right? If you’re gonna retire at 65, it appears, based upon what you told us, anytime you have a choice, would you rather have money in a Roth IRA, which is fully available at 65, or a brokerage account, which you have to pay taxes on?

Well, the answer’s easy. I’d rather have a Roth. Than a brokerage account.

Joe: Yep, a hundred percent.

Al: Now if you need the money before you retire, that’s different, right? If you need the money before you retire, like for another house or a vacation home or something that you know kids college, well that’s different then. Then put some money in the brokerage account if you have a need for it. Otherwise, try to get the money into the Roth. You’ll be happy.

In the 37% Bracket: Backdoor Roth or Non-Roth Investments for Retirement Savings? (Weronika, TX)

Joe: Alright moving on. Weronika? What the hell is this?

Andi: I believe it’s just pronounced Veronica.

Joe: What, but?

Andi: It’s Polish. It’s  Polish. So it starts with a W but it’s pronounced Veronica.

Al: Just say Veronica.

Joe: Oh, really? I didn’t, I’ve never seen Veronica spelled with a w

Al: Well, they, the, traditional Hawaiians say “Havaii”.

Andi: Yep.

Al: So it’s with a V, the W’s a V. So that’s the same concept here.

Joe: Okay.

Andi: Just learning something new every day.

Joe: I mean, this is the show. I just, it’s, a gift that just keeps giving.

Al: It’s just amazing. And that’s why you wanna get outta here.

Joe: Oh man. Don’t even go there. Let’s go.

Al: Oh, you know you love it. You’re gonna be here forever.

Joe: Oh, yeah. Forever’s two years. I’m 43 years old. My husband’s 55. We live in Texas. No kids. Drink of choice is buttery Chardonnay for me, bourbon, or my husband.

We’re looking to retire in one to two years, move to Europe and anticipate annual expenses of less than $120,000. What adjustments to my savings investments should I make, if any? We currently, we are currently in the top bracket. We have no debt including no mortgage. On a house of a million dollars, I have the following 2.3 million bucks. Two 60 in cash, 700 a 401(k), a hundred thousand in Roth, 401(k), and $1.2 million in a brokerage account. I have 50% of my salary that maxes out the 401(k) 12% after tax pay, and 50% annual bonus goes to the Roth. IRA, all my husband has an additional four and a half million dollars of savings and investments. Yeah, I think, Hey, Veronica, you’re doing pretty well. I think you’re doing pretty good check. Should I try to put as much as possible between now and retirement into a backdoor Roth IRA? Right now I plan to contribute $80,000 a year. I. Versus non Roth investment accounts. I still plan on maxing out the 401(k), do the employer manage when we retire and we anticipate dropping to the lower bracket? Should I or my husband convert part of the 401(k)? Okay, so you got a lot of stuff going on here, Veronica. You’re 43 years old, your husband’s 55, so you got two and a half million dollars. Your husband has four and a half million dollars.

Andi: And she mentions he had, does not have any Roth at all right now.

Joe: Okay.

Al: Yep.

Joe: And so you’re making good income. Where should the money go? I think it’s the same strategy that we just talked about. Yeah. I would fully fund your 401(k) plan. I would do after tax contributions if they allowed and do the conversion, and then I would do backdoor. Roth IRA contributions all day, every day. So,

Al: And then, yeah, go ahead and do the Roth conversions. When you retire, you’ll be in a lower bracket. Should you go to the top of the 22% bracket or 24? Well, we don’t know how much your husband has in deferred accounts, but based upon the total assets that you have, it would likely be beneficial to go to the top of the 24% bracket. It’s a good bracket. We don’t know how much longer it’s gonna be around. It, you appear to have resources to pay the taxes, so that would be a really good thing, but not when you’re in the highest tax bracket. Right?

Joe: Yeah. You’re gonna spend $120,000 a year and you’re going to have 4, 5, 6, 7, $8 million.

Al: Yeah. Gonna be a, lot of income, a lot of taxes on money you don’t need.

Joe: Yeah, I would get as much money into the Roth IRA as possible. What tax bracket are they in right now?

Al: They’re in the top.

Andi: Top, so 32.

Al: 37.

Andi: 37, sorry.

Joe: 37 tax bracket.

Al: Yeah. Yeah.

Andi: I forgot there was a 37.

Al: Yes. There, there’s a 37. Yeah. That’s why I, would, do Roth conversions after they retire.

Joe: Yeah. Yeah. So, but I. Fully fund the 401(k) plans, if there’s after tax, do the after tax, do the backdoor, and then everything else funnel into the brokerage account?

Al: Yeah, me personally, I would do the traditional 401(k) instead of any Roth component, but I’d fund or I’d fund the after tax component, just like you said.

So you can put that directly into the Roth. Right, so that’s can be a good way to go. The highest tax bracket though, you kind of want to get a tax deduction now I would say.

Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle – Here’s How on YMYW TV. Calculate your free Financial Blueprint

Andi: Are you ready for retirement? Are you prepared? Are you nervous? How you prepare in the last few years before you retire will greatly impact what kind of retirement lifestyle you’ll enjoy. This week on a brand new episode of Your Money, Your Wealth TV, Joe and Big Al count you down to retirement with the must-do preparations that’ll get you ready to punch the clock for the final time.Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle – Here’s How on YMYW TV, then calculate your free Financial Blueprint to see if you’re on track for that big day financially. Just input your income and savings, investments and debt, and your expenses and goals. The Financial Blueprint tool will analyze your current cash flow, assets, and projected spending for retirement and output a detailed report outlining what you can do now to help you achieve those retirement goals. Minimize stress. Maximize life, and prepare for the future. To start taking control of your retirement, just click the Financial Blueprint link in the episode description.

Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ)

Joe: Hello, Andi, Joe, Big Al. This is Jerry from Phoenix. Looking for a little spitball response to whether there is a logical point where no additional Roth conversion makes sense. Actually, this is really my attempt to see if Joe would ever come to the conclusion. Yes, you have. I come to the conclusion all the time. I gu I’ve heard it. On this show, I drive a 2021 BMW four 30 I, but my backup is a 1997 Tacoma. I used to take the dog to the dog park and go hiking in South Mountain Park in Phoenix. Have you ever been to South Mountain Park?

Al: I don’t believe so. I’m not sure I know where it is.

Joe: I’ve never heard of it. My wife and I both retired about five years ago, and we are 67. Our current balances are about $7 million after tax. Oh boy. There we go. Big chair. Here we go. Three and a half. Million dollars in an IRA $950,000 in a Roth. While I’m not concerned about having enough assets to live on, I’m trying to make sure I maximize our lifetime tax bill and minimizing the taxable IRA balances to so that our two sons that will inherit, well get Gil in taxes. I started doing Roth conversions about four years ago. Plan to continue converting about $200,000 a year for the next six years until my RMDs begin for 2025. I’ve already done $90,000 in conversions. I’ve heard several financial podcasts refer to and sort of endorse a software package for financial tax plan. He called Boldin, formerly New Retirement.

Al: Well, yeah, we know about New Retirement. Yep. I met Steve Chen years ago.

Joe: Oh, love the guy. Great company.

Al: Yeah.

Joe: I’ve acquired this software and for the past three weeks I’ve updated the software to include all assets, income sources, planned expenditures, assumed 2017, tax rates, et cetera. After reviewing the results and recommendations, I have to admit I am very surprised by the results heard. This software, the advice is to do no further Roth conversions. The software believes this approach will minimize my lifetime tax bill, federal and state, and provide the largest estate value. Obviously, the software doesn’t know the tax brackets of my heirs and what the future tax rates will be. I was just expecting. No additional Roth recommendation. What do you guys,

Andi: He’s not expecting. Yeah.

Joe: Okay. Jerry’s 67 years old. Yeah, so we’re missing a few important facts here. Jerry. I don’t know what your income is. Yeah. You doing $200,000 conversions? I have no idea what bracket. You’re getting yourself into,

Al: Right? Yeah. We don’t know how much your fixed income is, what your tax bracket is. See, that would be helpful to know, because whether you do a Roth conversion or not is dependent upon your age, how much you have and how much you’re spending. Not only how much you have, how much you have in a IRA, 401(k), how much you have in a Roth, how much do you have in a non-retirement account. Then we can sort of decide or help you with whether that’s a good decision or not.

Joe: Yeah. Here’s what you have to look at sometimes that those, you have to be very, careful and no offense to New Retirement or Boldin. We use that. We offer that software. Yeah. Free to our listeners. it’s a good, program. Yeah. EASIretirement.com. Yeah.

Andi: That’s E-A-S-I.

Joe: E-A-S-I. That’s why no one ever went to the website.

Al: We dunno how to spell it.

Joe: It’s not, it’s like, yeah, I went to Easy. Well, no,

Al: There’s nothing there.

Joe: There’s nothing there.

Al: It says you can have this website if you want it.

Joe: It’s EASI dot com.

Al: Yeah.

Andi: EASIretirement.com.

Joe: Yeah. Okay. I don’t even know what the,

Andi: you don’t even know the website.

Joe: Yeah. We get four visitors a year by accident.

Al: Just listen to Andi. She knows the website.

Joe: So, I don’t even know what I was talking, okay. No financial planning software.

Andi: Why not pay attention to EASIretirement.com?

Joe: You gotta be careful with financial planning software, right? We use it every day and it’s looking at a snapshot and time that day. I can guarantee you this, Jerry. Everything else that you see in the future is wrong. You have no idea what markets are gonna do. You have no idea what inflation’s gonna do. We have no idea what tax rates are gonna do. We have no idea what your life is going to bring, right? So when you’re like, here, let me plan this out from age 67 to 97 or to age 100, and then you look at the tax savings number and that computer software’s gonna be like, yep, no confused, no conversions. You’re like all. I’m done. No, you don’t wanna necessarily do that. You have to take a look at this stuff every single year. And also the rate of return that you’re running on the investments, you’re using a hypothetical, let’s say 6% growth rate. Well, if you do a straight line, 6% growth rate, it’s. It’s gonna be apples. It’s just, it’s really hard to really make decisions long term if you’re looking at it that way. You have to look at it and make decisions every year and update the numbers every single year.

Al: Yeah, because one of the things that happens here is when you, have these, programs, they’ll generally have a fixed tax rate. Right, so and so, that’s why it doesn’t necessarily make sense because you’re gonna be in different tax brackets. You’re in a higher tax bracket. Often when you’re working, you retire before your RMDs, before Social Security, you’re in a much lower bracket. You wanna do Roth conversions to take advantage of that.

Maybe you’re already receiving Social Security, but it’s ahead of required minimum distributions. Right now, the tax rates are pretty low, so it’s, it may make sense to go ahead and do a conversion. Also, these programs. Assume that you’re both gonna live forever. One of you will probably outlive the other and you’ll get into the single rates and it’s completely different tax rates. So just, be careful when you’re kinda looking at a program, this is a good program, but you’re looking at a program with only so many variables and you’re, making long-term conclusions on that three and a half million dollars.

Joe: He’s got a retirement account, he’s 67 years old, so

Al: Yeah, it’s, gonna be five or 6 million at RMD age.

Joe: Right. well.

Al: he’ll be he, I think he’s, 73.

Joe: Okay.

Al: Yeah. So he’d get it 70. So, so it’s cut 60 years from now? I would say four.

Joe: Let’s say it’s 4 million bucks.

Al: Yeah, just, go four.

Joe: So$160,000 RMD, I don’t know what his other fixed income sources are. So just kind of think of it that way is like, all right, well what tax bracket am I going to be and when the RMDs hit,

Al: right.

Joe: Am I going to be in the 24, the 22

Al: and compare it to today?

Joe: To today, yeah. I would convert to the same bracket that I’m in today. So if I’m in the 24% tax bracket, because you have plenty of assets, like he’s dead, right? And he wants to maximize the amount of dollars that is gonna go to his two kids. So what tax bracket are the kids in? Because once they inherit the retirement accounts, it’s IRD income respected the decedent. They have to take the money on, pay ordinary income tax on that.

Al: Yeah. Over 10 years. And they may be in a high bracket and they, that would be a lot of money to take out in 10 years,

Joe: right? if it’s in a Roth, it’s 100% tax free and there’s no RMDs in a Roth, IRA.

So it’s like, all right, well here, can I continue to convert this thing that’s gonna reduce my RMD if I pass before my spouse, the RMD for her is going to be the same RMD that you’re taking roughly, but now it’s at a single tax bracket. Right? So there’s all sorts of things to consider at three and a half million dollars in retirement accounts with no need for the money at 67. I don’t know, I just still, unless you’ve got a $200,000 pension, I don’t know what’s going.

Al: Yeah. Unless you’re the highest bracket somehow. Yeah.

Joe: If you’re like converting in into 32% tax bracket or something like that. Yeah.

Al:I wouldn’t do that.

Joe: I wouldn’t do that either.

Al: Right.

Joe: But yeah. Jerry, congratulations on the amount of wealth that you have. Congratulations on being an engineer and going to all these different websites and trying to figure out the most optimal Roth conversion possible. but you know, just like with anything, it’s optimal each year. Like the market’s down 20%. I, don’t care what tax bracket that you’re in, I’m doing it. If you’ve got three and a half million dollars, I’m doing a conversion

Al: because the assets are gonna recover in the Roth and then it hardly matters what bracket you’re in. In fact, you kind of, one way to think about it is you look at what you ended up with in the Roth by the time you have to pay the tax right and compare it to the tax you paid, that’ll actually be probably pretty low rate. If the market zooms right up,

Joe: you look at asset location. Usually if you have a strategy, an investment management strategy, you have asset classes that have a higher expected rate of return in your Roth IRA,

Al: right?

Joe: Because you’ll never pay taxes on it. I don’t want to have bonds and cash and CDs in my Roth.

Al: No, you don’t get rewarded for that growth. ’cause there’s, no tax. There’s no tax to pay in a Roth, so why wouldn’t you want your, stock

Joe: Put gas on there, right?

Al: Yeah. But. Load it up,

Joe: Let’s, we want some firecrackers in there. And so if you look at that, all right, so now I have more stocks or stocks that have a higher expected rate of return in my Roth. So maybe they have an average rate of return that is higher than the s and p 500 or a globally diversified portfolio. So there’s so many other things you know that, you have to consider. But here’s the other thing that you don’t wanna do a Roth conversion on. If you don’t have the cash to pay the tax, don’t do it.

Al: Yeah.

Joe: Let’s say if you are going to now pay more tax on your social security, probably doesn’t make sense where we’ve seen people that have very little tax on their social security because it’s, based on provisional income and all of a sudden you do a Roth conversion. It’s like, oh. Now. All of a sudden more of my social security is subject to income tax and it just pops ’em up into a higher bracket. there’s Irma, right? So if, you’re gonna go into a higher Irma, you might wanna consider maybe not doing that. You have to run the numbers there. There could be credits that you’re giving up.

Al: Yeah, Educational credits. You, could be, you could own rental properties, right? And you get a $25,000 deduction, but with that Roth conversion that goes away. You converted $50,000, but all of a sudden you have to pay tax on 75,000 more dollars. That’s not a good deal.

Joe: Yeah. We saw. Someone wanted to get out of individual stocks, so they sold X amount of dollars outta the stock. Oh, and then they did a Roth conversion on top of that. And then now that capital gains is subject to net investment income tax. Yeah, probably don’t wanna do that. If I wanna look at diversifying from a stock and being in that 0% capital gains rate, I probably don’t wanna do a conversion. See Jerry? Look at that. That’s like 10 things that you don’t wanna do. A Roth conversion. What else do I got for? How about the Affordable Care Act? Oh, I need my,

Al: oh boy, that’s another, that’s actually a pretty big one.

Andi: This is starting to remind me of that scene from Roxanne, where Steve Martin starts listing all of the insults for his having of a big nose. You know that scene that I’m talking about, right, Joe?

Al: Oh, I, yeah, that is good.

Andi: You’re starting to reel off all the reasons that somebody should not do a Roth conversion because dang it, that’s what you’re known for is the Roths.

Joe: All right, well, okay. Well, but I still think Jerry should probably do it.

Al: I do too, but we need a little more information.

Joe: All right, Andi, this is what the last show you’re gonna do here in the, stateside?

Andi: Well, that depends. I think there might be one more. It sounds like Al and I might be recording one more.

Al: Yeah, I’ll, do one with you next week. We’ll do Social Security.

Andi: Sounds good. So yes, that will be my last one. This is the last one with all three of us together.

Joe: Got it. Alan wants to do some Social Security type I, can’t wait. A little Social Security chat.

Al: So yes, Social Security chat.

Joe: Got it. You go.

Al: Well, it was fun again.

Joe: Yes, sir,

Al: As usual. Good job, Joe.

Joe: Great job, Al.

Al: Yep. And Andi, yeah, thank you.

YMYW Podcast Outro

Andi: Thank you! This is Your Money, Your Wealth, your podcast! If you enjoy YMYW, do us a favor and tell your friends. That helps us reach more listeners like you. And don’t forget to leave your honest reviews, comments, and ratings for Your Money, Your Wealth in Apple Podcasts, on YouTube, and in all the other apps that let you do that.

Your Money, Your Wealth is presented by Pure Financial Advisors. Learn how to make the most of your money and your wealth in retirement – it takes more than a spitball. You can schedule a no-cost, no obligation, comprehensive financial assessment with the experienced professionals on Joe and Big Al’s team at Pure. Just like a spitball, it is free. Click or tap the Free Financial Assessment link in the episode description, or call 888-994-6257 to book yours. You can meet in person at any of our locations nationwide, or online, right from home. No matter where you are, the Pure team will work with you to create a detailed plan tailored to meet your needs and goals in retirement.

Pure Financial Advisors is a registered investment advisor. This show does not intend to provide personalized investment advice through this podcast and does not represent that the securities or services discussed are suitable for any investor. As rules and regulations change, podcast content may become outdated. Investors are advised not to rely on any information contained in the podcast in the process of making a full and informed investment decision.

_______

Listen to the YMYW podcast:

Amazon Music

AntennaPod

Anytime Player

Apple Podcasts

Audible

Castbox

Castro

Curiocaster

Fountain

Goodpods

iHeartRadio

iVoox

Luminary

Overcast

Player FM

Pocket Casts

Podbean

Podcast Addict

Podcast Index

Podcast Guru

Podcast Republic

Podchaser

Podfriend

PodHero

podStation

Podverse

Podvine

Radio Public

Rephonic

Sonnet

Spotify

Subscribe on Android

Subscribe by Email

RSS feed

YouTube Music

See All Platforms