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On Your Money, Your Wealth® podcast #256, Joe Anderson, CFP® and Big Al Clopine, CPA tackle your SECURE Act retirement planning questions: how …



Just in time for the holidays, the Setting Every Community Up for Retirement Enhancement Act, or SECURE Act, has been made law, effective January 1, 2020.



How does the SECURE Act affect your retirement plans? Alan Clopine, CPA of Pure Financial Advisors explains some of the key changes to retirement savings …



Are you counting down the days until you retire? We asked financial professionals Joe Anderson and Alan Clopine how to make the most of your money by planning for retirement. From life insurance to Roth IRA’s they discuss ways to keep more of the money you earn.

Schedule a free assessment with one of our CFP® professionals at Pure Financial Advisors: https://purefinancial.com/lp/free-assessment/

Subscribe to our channel and stay tuned for the next episode of the Your Money, Your Wealth® TV show: http://bit.ly/2FDSfK2

Subscribe to the YourMoney, Your Wealth® podcast: https://link.chtbl.com/ymyw?sid=y

IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor.
• Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• 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.

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Today on Your Money, Your Wealth® podcast episode #249, Joe Anderson, CFP® and Big Al Clopine, CPA answer your money questions: How do you figure out the break-even point on a Roth IRA conversion? The fellas discuss whether to convert, how much to convert, and when. Plus, the step-up in basis on a primary residence, self-employed small business retirement plan options, the difference between a financial advisor and financial planner, and defining a registered investment advisor and broker-dealer. Ask money questions, read the transcript & access free financial resources: http://bit.ly/YMYW-249

00:39 – I’ve Maxed Out My 401(k). Can I Contribute to a Roth IRA or Roth 401(k)?

04:25 – Should I Make a Roth Conversion at the End of the Year or Contribute to a Roth 401(k)?

11:14 – What’s the Break-Even for a Roth Conversion?

20:58 – I’m a Widow. How Do I Apply For Step Up in Basis on a Primary Residence?

24:38 – How Can We Contribute to Our Roth IRAs?

27:55 – Self-Employed Small Business Retirement Plan Options

37:51 – What’s the Difference Between a Financial Advisor and Financial Planner? What are Registered Investment Advisors (RIA) and Broker-Dealers?

Schedule a free assessment with one of our CFP® professionals at Pure Financial Advisors: https://purefinancial.com/lp/free-assessment/

Subscribe to our channel and stay tuned for the next episode of the Your Money, Your Wealth® TV show: http://bit.ly/2FDSfK2

Subscribe to the YourMoney, Your Wealth® podcast: https://link.chtbl.com/ymyw?sid=y

IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor.
• Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• 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.

source



The three most important words for a robust retirement: save, save, save! But to make your retirement years truly golden years requires a plan to handle the unexpected. Joe and Al discuss the X-Factors that can make or break your retirement.

1. Healthcare Costs
2. Forced Early Retirement
3. Social Security
4. Emotional Investing
5. Long-Term Care

Broadcast Date: March 26, 2017

If you would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/

Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.”

Channels & show times: yourmoneyyourwealth.com
https://purefinancial.com

IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor.
• Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• 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.

source



Starting your own business in retirement can mean having retirement plans available to you that were not available before you joined the Gig Economy. Financial professionals Joe Anderson and Alan Clopine explain the tax benefits from various retirement plans ranging from a defined benefit plan to a SEP IRA.

If you would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/

Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” http://bit.ly/2FDSfK2

Channels & show times: http://yourmoneyyourwealth.com
https://purefinancial.com

IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor.
• Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• 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.

source



Learn about retirement plans for small business owners with Joe Anderson, CFP® and “Big Al” Clopine.

Aired: 11-22-14

If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/

Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.”

Channels & show times: http://yourmoneyyourwealth.com
http://purefinancial.com

IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor.
• Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• 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.

IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor.
• Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• 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.

source



Joe Anderson, CFP® and “Big Al” Clopine share strategies for catching-up with retirement savings if you’re a late starter.

Aired: 11-8-14
If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/

Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.”

Channels & show times: http://yourmoneyyourwealth.com
http://purefinancial.com

IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor.
• Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• 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.

source