284 épisodes

On this retirement investing podcast, financial planner Joe Anderson, CFP® and certified public accountant Big Al Clopine answer your money questions about investing, portfolio diversification, how to reduce taxes, creating retirement income, collecting Social Security benefits, how much you can spend in retirement, Roth conversions, and more. Retirees and pre-retirees listen to this irreverent and informative personal finance podcast to laugh as they learn strategies that can help them retire successfully. Ask your personal finance questions, read YMYW podcast episode transcripts, and access free financial resources at http://YourMoneyYourWealth.com

Your Money, Your Wealth Your Money, Your Wealth

    • Investissement

On this retirement investing podcast, financial planner Joe Anderson, CFP® and certified public accountant Big Al Clopine answer your money questions about investing, portfolio diversification, how to reduce taxes, creating retirement income, collecting Social Security benefits, how much you can spend in retirement, Roth conversions, and more. Retirees and pre-retirees listen to this irreverent and informative personal finance podcast to laugh as they learn strategies that can help them retire successfully. Ask your personal finance questions, read YMYW podcast episode transcripts, and access free financial resources at http://YourMoneyYourWealth.com

    New Stimulus Check & Coronavirus Relief Package On the Way?

    New Stimulus Check & Coronavirus Relief Package On the Way?

    With CARES Act provisions expiring, Joe & Big Al recap the two new stimulus bills - the HEALS Act and the HEROES Act - now being negotiated in Congress. Plus, estate planning considerations when it comes to required minimum distributions (RMDs) for non-designated and designated beneficiaries. And, the 403(b) escape hatch, Social Security, records of estimated tax payments, and assets on the FAFSA form. Send questions and access the transcript and free resources in the show notes: https://bit.ly/YMYW-285

    • 42 min
    What Is Your Retirement Number? YMYW Spitball Retirement Analysis

    What Is Your Retirement Number? YMYW Spitball Retirement Analysis

    Joe and Big Al spitball retirement plan considerations, including:

    - investing in brokerage and Roth instead of pre-tax
    - getting tax diversification
    - pension lump sum or annuity
    - paying for education
    - calculating a retirement number to put savings on autopilot

    Plus, what life insurance “investment” has a “guaranteed” 10% return? Do dividend paying stocks have a higher rate of return than VTSAX? Should individual stocks go in a taxable account?

    Podcast show notes: https://bit.ly/YM

    • 47 min
    Tax Gain Harvesting, Active vs. Passive Investments… and Roth Conversions

    Tax Gain Harvesting, Active vs. Passive Investments… and Roth Conversions

    Should you tax gain harvest or do a Roth IRA conversion? Should active or passive investments go in retirement accounts? If you’re on the younger side, why own bonds? Are Vanguard Roth accounts any better or worse than others? What’s the break even on taking Social Security early vs. late? Should you convert your 401(k) or retirement account to Roth all at once? Send in money questions and access the episode transcript and free financial resources in the podcast show notes: https://bit.ly/YMYW-283

    • 51 min
    How to Do a Roth Conversion and Pay Taxes On It

    How to Do a Roth Conversion and Pay Taxes On It

    Do you have to transfer from a 401(k) to a traditional IRA before you do a Roth IRA conversion? Does the pro-rata rule apply? Also, the logistics of paying the tax on a Roth conversion. Plus, stimulus package updates around paycheck protection program loans, required minimum distributions and Coronavirus-related distributions from retirement accounts. Send in money questions, access the episode transcript and free financial resources, and sign up for a free tax reduction analysis: https://bit.ly/YMYW-282

    • 44 min
    Will These Three Things Affect Your Social Security?

    Will These Three Things Affect Your Social Security?

    What impact do ex-spouses, income, and early retirement have on collecting your Social Security benefits? Plus, indexed universal life insurance, estate planning with a step-up in basis on private placement real estate, and more on CRDs, RMDs, and stimulus checks. Joe and Big Al also submit their forecasts for whether Congress might tax Roth IRA growth in the future. Send in money questions and access the episode transcript and free financial resources in the podcast show notes: https://bit.ly/YMYW-281

    • 47 min
    Are These Retirement Investment Strategies On Track?

    Are These Retirement Investment Strategies On Track?

    Joe and Big Al take a look at an investing strategy a listener set up for his parents, and they run the numbers on their variable annuity. They also kick the tires on an early retirement plan and they discuss equity allocations in a portfolio. And since no YMYW is complete without some Roth talk, how might Roth contributions for grandkids affect college financial aid? Send in money questions and access the episode transcript and free financial resources in the podcast show notes: https://bit.ly/YMYW-280

    • 44 min

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