475 Folgen

A "Top 10 Personal Finance Podcast" and a "Top 12 Retirement Podcast" (US News & World Report, 2023). One of the "10 Best Personal Finance YouTube Channels" (CardRates, 2023). “Best Retirement Podcast With Humor” (FIPhysician, 2020, 2021, 2022, 2023). Learn strategies that can help you retire successfully. Financial advisor Joe Anderson, CFP® and certified public accountant Big Al Clopine, CPA are making fun out of finance as they 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 fiduciary. Access free financial resources and episode transcripts, Ask Joe & Big Al On Air to get your Retirement Plan Spitball Analysis: http://YourMoneyYourWealth.com

Your Money, Your Wealth Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors

    • Wirtschaft

A "Top 10 Personal Finance Podcast" and a "Top 12 Retirement Podcast" (US News & World Report, 2023). One of the "10 Best Personal Finance YouTube Channels" (CardRates, 2023). “Best Retirement Podcast With Humor” (FIPhysician, 2020, 2021, 2022, 2023). Learn strategies that can help you retire successfully. Financial advisor Joe Anderson, CFP® and certified public accountant Big Al Clopine, CPA are making fun out of finance as they 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 fiduciary. Access free financial resources and episode transcripts, Ask Joe & Big Al On Air to get your Retirement Plan Spitball Analysis: http://YourMoneyYourWealth.com

    How to Take the Uncertainty of Taxes Off the Table

    How to Take the Uncertainty of Taxes Off the Table

    Jimmy in Wisconsin will have a pension, Social Security, and a seven year retirement shortfall. How should he cover it? Skipper in Texas has some unusual pension options, which makes the most sense for his retirement needs? That’s today on Your Money, Your Wealth® podcast 474 with Joe Anderson, CFP® and Big Al Clopine, CPA. Should Mike and Carol in Virginia wait to do Roth conversions if they’ll be in a lower tax bracket in retirement? Where should Duncan in Texas invest in the 10 years before he retires early? Would it be stupid for Jay Z in Minnesota to miss out on free Roth opportunities? Can Ben in San Francisco’s “friend”  use the rule of 55 on a rollover retirement plan? And finally, YMYW is fun, but of limited value, according to a recent review. Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-474
    Timestamps:
    00:51 - Pension & Social Security: How Should We Cover Our 7 Year Retirement Shortfall? (Jimmy, WI) 08:17 - 2:1 Matched Company Money vs. My Contribution: What to Do With My Pension? (Skipper, TX) 15:46 - EASIretirement.com free retirement calculator 16:47 - Should We Wait on Conversions If We’ll Be in a Lower Bracket in Retirement? (Mike & Carol, Falls Church, VA) 24:22 - Where Should I Invest My Early Retirement Savings for the Next 10 Years? (Duncan, TX) 30:18 - Is It Stupid to Miss Free Roth Opportunities? (Jay Z, MN) 37:46 - Complete Roth Papers Package - free download 38:33 - Rule of 55 on a Rollover Retirement Plan? (Ben, San Francisco) 44:34 - Comment: Fun but limited value (Wemby2024) 50:41 - The Derails

    • 54 Min.
    Does Your Financial Advisor Just Want to Collect Fees?

    Does Your Financial Advisor Just Want to Collect Fees?

    Why would a financial advisor suggest that Frank in Lake Wobegon sell a piece of inherited property, pay 25% tax, and invest the lump sum? Mark in Florida is 72 and invested in CDs. Should he go back to his financial advisor, or just buy more CDs? That’s today on Your Money, Your Wealth® podcast 473 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Adam in Tennessee will have deferred income in 5 years. Should his asset allocation be more conservative? And in order to retire early at age 55, should Lewis in Arkansas delay starting Roth conversions? But first, if Mike’s wife outlives him, how can he keep her in a similar tax bracket? Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-473
    Timestamps:
    00:00 - Intro 00:48 - If My Wife Outlives Me, How Do We Keep Her in a Similar Tax Bracket? (Mike) 06:49 - Long Term Capital Gains: Retirement and Real Estate Spitball (Frank, Lake Wobegon) 15:58 - 10 Tax-Cutting Moves to Make Now - YMYW TV Top 10 Tax Tips - free download (for a limited time only!) 2024 Tax Planning webinar, Wednesday March 27, 12pm Pacific/3pm Eastern - register now 17:04 - I’m 72. Should I Go Back to an Advisor or Just Buy More CDs? (Mark, FL) 21:32 - Should My Deferred Income Asset Allocation Be More Conservative? (Adam, Franklin, TN) 30:16 - Investing Basics Guide - free download 31:13 - Should We Delay Starting Roth Conversions to Retire Early by Age 55? (Lewis, AR) 41:11 - The Derails

    • 46 Min.
    Will Roth Conversions Put You On Track to Retire Early?

    Will Roth Conversions Put You On Track to Retire Early?

    Rob and his wife in North Carolina are 51 and 44 and would like to retire in the next 3-5 years. Are they on track, and what should they consider as far as Roth conversions are concerned once the tax brackets go back up, which they’re slated to do when that provision in the Tax Cuts and Jobs Act sunsets at the end of 2025? Is Mark in West Virginia on track to retire at 59 and a half, and do Joe and Big Al have any pointers on how he can find the love of his life? Mike and Gina in Rhode Island are optimistic about retiring early at 61 and 58, but is their optimism delusional? Jake in rural Michigan is self employed. Can he do Roth conversions to retire at age 60 and hang with Big Al in Hawaii? Retirement readiness and Roth conversions, today on Your Money, Your Wealth® podcast 472 with Joe Anderson, CFP® and Big Al Clopine, CPA. But first, the fellas spitball on a retirement and real estate strategy for (50 Shades of) Grey and Elena in Massachusetts. Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-472
    Timestamps: 
    01:04 - Real Estate Puts Us in High Bracket. Max Retirement & Roth, Save to Brokerage? (Grey & Elena, MA) 11:57 - Social Security Basics You Need to Know: Common Questions Answered - YMYW TV Social Security Handbook - free download 12:48 - Roth Conversions After 2025? Are We on Track for Our Retirement Goals in 3-5 Years? (Rob, NC) 19:34 - On Track for Retirement at 59.5? How to Find the Love of My Life? (Mark, West Virginia) 24:24 - Is Our Early Retirement Optimism Delusional? (Mike, RI) 31:16 - EASIretirement.com - free retirement calculator 32:19 - Self-Employed: Roth Conversions to Retire Early and Hang with Big Al in Hawaii at 60? (Jake, rural Michigan) 45:19 - The Derails

    • 50 Min.
    How Much Should You Convert to Roth IRA?

    How Much Should You Convert to Roth IRA?

    Big Tex, Paul in Maryland, and Nick in Alabama all need to know how much money they should convert to Roth to pay as little tax as possible, today on Your Money, Your Wealth® podcast 471 with Joe Anderson, CFP® and Big Al Clopine, CPA. Johnny and June forgot to convert their backdoor Roth money - are they in trouble? Darren in Nevada has no plans at all to do Roth conversions, but surprisingly still listens to YMYW, and still wants a spitball on his retirement and real estate investment strategies. Plus, can Lolly Pop in New Jersey be less miserly and back off on saving for retirement? Can John in South Carolina use this year’s lower income to reduce his Medicare premiums? And finally, if Ordinary Guy in Boston meets an untimely demise, should that change his plans to retire early? Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-471
    Timestamps:
    00:00 - Intro 00:58 - Can I Use This Year’s Lower Income to Reduce My Medicare Premiums? (John, South Carolina - voice) 04:39 - Forgot to Convert our Backdoor Roths. Are We in Trouble? (Johnny and June, Oakland, CA - voice) 07:47 - Is Retiring This Year Doable? Should We Convert to Roth? $1.8M Saved, Spend $140K/Year (Big Tex - voice) 13:55 - DIY Retirement Guide - limited time offer - download by Friday, March 8, 2024! 15:05 - Should I Convert My Entire SEP-IRA If I’m Staying in the Highest Tax Bracket? (Paul, Baltimore, MD) 20:51 - $11M+ at Age 46. How Much Roth Conversion and When to Retire? (Nick, AL) 24:42 - Can I Back Off on Retirement Saving So I Can Be Less Miserly? (Lolly Pop, NJ) 30:43 - Financial Markets Master Class webinar - watch on demand 31:24 - Spitball on My Retirement and Real Estate Investment Strategies (Darren, NV) 38:28 - Should My Untimely Demise Change Our Early Retirement Plans? (Ordinary Guy, Boston, MA) 48:10 - The Derails

    • 53 Min.
    Spitballing Retirement for Fat Wallets

    Spitballing Retirement for Fat Wallets

    Barney and Betty in Maryland hit the jackpot. How’s Barney’s strategy for net unrealized appreciation, retirement withdrawals, and asset location for his $5 million employee stock ownership plan? Nick in the PNW will have $8 million when he retires early at 53. Should he contribute to his 401(k) or do the good ol’ mega backdoor Roth until then? Those are just a couple of the fat wallets Joe Anderson, CFP® and Big Al Clopine, CPA spitball on, today on Your Money, Your Wealth® podcast number 470. Plus, should Allen in New Braunfels’ recently widowed sister contribute to her traditional IRA and do some Roth conversions? Should Alicia in Denver take Social Security early to pay off her rental property, and how can Vern in Wickenburg Arizona buy a new home before or during the sale of his current home? Finally, Bryan in Washington needs to know the best investment strategy for his thrift savings plan, and Lyse in Georgia wonders when in a market downturn you should start spending your cash. Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-470
    Timestamps:
    01:06 - Retirement Spitball Analysis for My Widowed Sister (Allen, sunny New Braunfels, TX) 06:52 - $5M ESOP Strategy: Net Unrealized Appreciation, Retirement Withdrawals, and Tax Location (Barney & Betty, MD) 18:07 Why Asset Location Matters - free download Are You Ready to Retire? Review Your Retirement Readiness - YMYW TV 19:00 - Should I Take Social Security Early to Pay Off My Rental Property? (Alicia, Denver, CO) 23:22 - How to Buy a Home Before or During the Sale of My Existing Home? (Vern, Wickenburg, AZ) 26:50 - Should I Buy a Qualified Longevity Annuity Contract as a Long Term Care Insurance Alternative? (Ron, IL) 31:08 - I’ll Have $8M When I Retire at 53. Should I Contribute to 401(k) or Do the Mega Backdoor Roth Until Then? (Nick, PNW) 37:05 - EASIretirement.com - free retirement calculator 38:06 - What’s the Best Thrift Savings Plan Investment Strategy? (Bryan, WA) 40:21 - When in a Market Downturn Should You Start Spending Cash? (Lyse, GA) 46:00 - The Derails

    • 48 Min.
    401(k) Ins & Outs, Roth Conversion Benefits, and Divorce Finances

    401(k) Ins & Outs, Roth Conversion Benefits, and Divorce Finances

    Erik in MN is divorced, and the OC Birdman of South OC is getting divorced. Should Erik contribute to pre-tax retirement accounts or Roth? How should the Birdman and his soon-be-ex time the sale of their house and the filing of their taxes? That’s today on Your Money, Your Wealth® podcast 469 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Don has questions about the 401(k) rule of 55 and excess 529 plan college savings. Valerie in Portland wants to know what to do with her old 401(k), and how to invest her new retirement accounts. An advisor tells K-Dog in IN to save cash or open a Roth, then live on those funds and get free ACA "Obamacare" healthcare in early retirement. Is that really possible? Also, what should be Laura in WA’s sequence of retirement withdrawals, and is there any benefit to her doing Roth conversions? Should RJ in CA convert his or his wife’s rollover IRA to the top of the giant 24% tax bracket? Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-469
    Timestamps:
    00:00 - Intro 01:06 - 401(k) Rule of 55 and Excess 529 Plan Funds (Don, Everywhere, USA) 06:03 - What to Do With Old 401(k) and How to Invest New Retirement Accounts? (Valerie, Portland, OR) 10:33 - 10 Steps to Improve Investing Success - free download Protecting Your Retirement Income - YMYW TV 11:39 - Is My Early Retirement Spending & Free Healthcare Plan Really Possible? (K-dog, Northern IN) 22:13 - Should I Contribute to Pre-Tax or Roth Post-Divorce? (Erik, Minneapolis) 28:27 - How to Sell House and File Taxes While Finalizing Divorce (OC Birdman in South OC) 32:27 - Q1 2024 Financial Markets Update Webinar, Feb 28, 2024, 12pm Pacific - register now 33:07 - What’s the Sequence of Retirement Withdrawals? I Don’t See the Benefit of Roth Conversions (Laura, Seattle - Olympic Peninsula) 40:42 - Roth Conversion to the Top of the Giant 24% Bracket? Which Rollover to Convert First? (RJ, Anaheim) 49:09 - The Derails

    • 50 Min.

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