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Your Money, Your Wealth — Business
Your Money, Your Wealth

Making fun of finance. A US News & World Report “Top 9 Personal Finance Podcast” (2025) and “Top 12 Retirement Podcast” (2023). One of the “10 Best Personal Finance YouTube Channels” (CardRates, 2023). “Best Retirement Podcast With Humor” (FIPhysician, 2020-2024). Learn strategies that can help you retire successfully. Financial advisor Joe Anderson, CFP® and certified public accountant Big Al Clopine, CPA answer your money questions and spitball on your 401k, IRA, Roth conversions and backdoor Roth IRA, how to pay less taxes, asset allocation, stocks and bonds, real estate, and other investments, Social Security benefits, capital gains tax, 1031 exchange, early retirement, expenses and withdrawals, and more money and wealth management strategies. YMYW is retirement planning, investing, and tax reduction made fun, presented by Pure Financial Advisors – a fee-only financial planning firm. Pure Financial adheres to the fiduciary standard of care, in which we are required by law to act in the best interest of our clients at all times. Access free financial resources and episode transcripts, Ask Joe & Big Al On Air to get your Retirement Plan Spitball Analysis: http://YourMoneyYourWealth.com

Copyright: © Pure Financial Advisors, LLC

Latest Episodes:

Answers to Your Top Roth Conversion Questions - 241 Oct 01, 2019

Show notes

Your Roth IRA questions answered: when should you do a Roth conversion? Should you wait until you're in retirement to convert? What kind of income is it? How do you convert slowly so the tax bite doesn't hurt so much? How long do you have to work before you can contribute to a Roth IRA? Does the 5-year rule apply for Roth withdrawals after age 59 1/2? Plus, answers to non-Roth money questions about estate planning, reverse mortgages, transferring from a variable annuity to a traditional IRA, and using HSA funds to pay Medicare premiums. Transcript, free resources, and show notes at http://bit.ly/YMYW-241

How to Choose Your Own Financial Independence Adventure - 240 Sep 24, 2019

Show notes

Choose FI: Your Blueprint to Financial Independence authors Chris Mamula (CanIRetireYet.com), Brad Barrett and Jonathan Mendonsa (Choose FI podcast) share principles that can change your life and your idea of retirement. Plus, answers to your FIRE (financial independence / retire early) questions on bridging the gap between early retirement and tapping retirement accounts, balancing ACA subsidy eligibility against allocation decisions, options trading, and just how much Roth savings is right for you. Transcript & show notes: http://bit.ly/YMYW-240

How Should You Invest? As Always, It Depends - 239 Sep 17, 2019

Show notes

This week's questions all revolve around what to do with your money - and everyone's circumstances are different. What to do with a 401(k) after you retire and don't really need the money just yet? What to do with cash in savings? Is the Papa Bear portfolio a good one? How best to save for retirement when you're a sole proprietor AND a teacher? How to handle the basis in an s-corporation you're closing down? Transcript, free financial resources, and show notes: http://bit.ly/YMYW-239

Roth Conversions, Life Insurance & More: Email Round-Up - 238 Sep 10, 2019

Show notes

An entire episode dedicated to money questions that run the gamut: we're talking about using indexed universal life insurance to insure future income, buying mutual funds or ETFs in an IRA, Roth contributions and conversions, changes to the thrift savings plan, doing a reverse mortgage leading into a possible recession, the Mega-Backdoor Roth strategy, what happens to retirement accounts in a divorce and more. Transcript, free financial resources, and show notes: http://bit.ly/YMYW-238

Mad at the Roller Coaster? Then You Don't Understand the Ride - 237 Sep 03, 2019

Show notes

Back to investing basics: what makes for a wise investing philosophy while on the market volatility roller coaster? How do you find a financial fiduciary? How do you avoid people with bad financial intentions? What is a good investment policy statement? How do you figure out the annual percentage rate on an IRS payment plan? When should a teacher retire, and what should she do with her pension? Plus some Roth conversion talk, as you'd expect. Transcript & show notes: http://bit.ly/YMYW-237

How Much Can You Spend When You're On FIRE? - 236 Aug 27, 2019

Show notes

What's a safe withdrawal rate from your investment portfolio when that money has to last 50 or 60 years because you're part of the FIRE (financial independence/retire early) movement? Karsten Jeske, Ph.D., CFA, aka "Big Ern" from EarlyRetirementNow.com shares his experiences. Plus, will listener Paul reach $5M by retirement? Can monthly payments from an IRA annuity be used for qualified charitable distributions (QCDs)? And what happens if you've made mistakes with your IRA that lead to penalties? Transcript, resources & show notes: http://bit.ly/YMYW-236

Recession and the Inverted Yield Curve - 235 Aug 20, 2019

Show notes

An inverted yield curve has often led to a recession. Pure Financial Advisors' Executive Vice President and Director of Research, Brian Perry, CFP®, CFA, discusses the current state of the markets and he helps answer some questions from our 2019 YMYW podcast survey: are structured notes ever a good product? How can you make the most of small retirement contributions? How do you grow a portfolio, when should you rebalance, how should you invest, and what's a safe withdrawal rate? Transcript, resources & show notes: http://bit.ly/YMYW-235

Tax Postcard, Stretch IRAs & Life Insurance for Education - 234 Aug 13, 2019

Show notes

ENTER TO WIN A $100 AMAZON GIFT CARD! US residents, fill out our podcast survey by August 18:

https://www.surveymonkey.com/r/2019ymyw

The revamped 2019 tax "postcard," how the SECURE Act could be a tax problem for those with IRA trusts, and is indexed universal life insurance a good investment for education costs? Should you roll your 401(k) to an IRA? How much can you convert from 401(k) to Roth after age 70 and a half? Will you go to jail for filing your taxes before receiving form 5498? Transcript, free financial resources, and show notes: http://bit.ly/YMYW-234

Using Alternative Investments to Boost Portfolio Returns? - 233 Aug 06, 2019

Show notes

Private equity, venture capital, hedge funds, real estate investment trusts (REITs) and angel investing: Joe breaks down what these alternative investments are and whether they belong in your portfolio. Plus, the fellas talk about risk parity investing, net unrealized appreciation, what to do with a large settlement and the break-even point for Social Security benefits. Transcript, free financial resources & show notes: http://bit.ly/YMYW-233

Time to Dial Down Risk and Do a Roth Conversion? - 232 Jul 30, 2019

Show notes

Jonathan Clements (founder, HumbleDollar.com, former Wall Street Journal personal finance writer) on portfolio rebalancing, reducing risk and doing a Roth conversion. Plus, Joe and Big Al answer your money questions: when is the best time to get into the market? When is the best time to retire? Can you start a Roth IRA for your Dad? And should you roll your 401(k) into a traditional or Roth IRA? Finally, some YMYW compliments and complaints. Transcript & show notes: http://bit.ly/YMYW-232

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