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 24, 2015

Joe and Al respond to listener emails and clear up investing misconceptions in this hour of Your Money, Your Wealth. Later in the show, Joe and Al share what President Obama talked about in his State of the Union speech with regards to taxes.

0:50 “How do you go about structuring your overall retirement plan? Should you do a Roth IRA conversion? How about Roth contributions? Do you have a Roth Provision in your 401(k) plan? There’s a new tax law when it comes to after-tax dollars..”

9:26 “We believe taxes are absolutely going to go up, but at least know the law. Because if you’re doing tax planning on false premises..no, know the law first and then you can do the appropriate planning.”

10:36 “There are some questions that you have about the overall state of retirement and we’re glad to answer those questions to help you out. If you have an email question, you can always email us at info@purefinancial.com

11:38 “I’ve been hearing for a few years now that the buy and hold mentality for stocks and equities are in the past. Do you concur? And if so, what is the current thinking for protecting capital and long-term wealth building?”

16:06 “International stocks, the expected return is higher because they lost money…”

16:55 “You have to figure out what rate of return you actually need, and let’s say it’s 6% just to throw out a number. So if it’s 6% you don’t really need to take a lot of risk in your portfolio. You don’t have to earn 10, 11% or more so in order to earn 6%, you still want all these different asset classes, but you don’t have to have as much small company stocks, or as much value companies, or as much international. Or as much stocks in general. Maybe have a lot more safety, a lot more bonds.

 20:06 “I want to go over what President Obama talked about in his State of the Union speech with regards to taxes.”