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Your Money, Your Wealth

Your Money, Your Wealth

Auteur(s): Joe Anderson CFP® & Alan Clopine CPA of Pure Financial Advisors
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À propos de cet audio

 Making fun of finance. A "Top 10 Personal Finance Podcast" and "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 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.comPure Financial Advisors, LLC Finances personnelles Économie
Épisodes
  • Roth Conversions vs. 0% Capital Gains Rate: a Retirement Tax Trap? - 556

    Roth Conversions vs. 0% Capital Gains Rate: a Retirement Tax Trap? - 556
    Nov 18 2025

    Joe Anderson, CFP® and Big Al Clopine, CPA spitball Roth conversions, capital gains, and retirement readiness from every angle, today on Your Money, Your Wealth® podcast number 556. Joe Momma from Virginia wants to know if his zero percent capital-gains strategy is too good to be true, if he can trust his advisor, and if it's finally time to start converting to Roth. David in Poway is already converting his IRA to Roth, but should they convert his wife Shannon's too? Thomas wonders when in retirement to finally start using the Roth money he's saved, instead of just admiring it. And Lizzy and Billy from Texas want to know if $3.5 million is enough for them to retire in 7 years at ages 62 and 65.

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-556 (full show notes & episode transcript)

    2025 Tax Planning Guide - free download

    Escape These 11 Tax Traps and You'll Save in Retirement - YMYW TV

    Financial Blueprint (self-guided)

    Financial Assessment (Meet with an experienced professional)

    REQUEST your Retirement Spitball Analysis

    DOWNLOAD more free guides

    READ financial blogs

    WATCH educational videos

    SUBSCRIBE to the YMYW Newsletter

    Connect With Us:

    YouTube: Subscribe and join the conversation in the comments

    Podcast apps: subscribe or follow YMYW in your favorite

    Apple Podcasts: leave your honest reviews and ratings

    Chapters:

    00:00 - Intro: This Week on the YMYW Podcast

    00:46 - Keep 0% Capital Gains or Convert to Roth? Should I Trust My Advisor? (Joe Momma, VA)

    12:03 - I'm Converting My IRA to Roth. Should We Convert My Wife's IRA Too? (David & Shannon, Poway, CA)

    17:39 - How to Use Roth IRA Money in Retirement (Thomas)

    25:34 - Can We Retire at in 7 Years at 62 and 65 on $3.5M? (Lizzy and Billy, TX)

    29:33 - Outro: Next Week on the YMYYW Podcast
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    31 min
  • Retiring Before Social Security? Consider These Portfolio Changes - 555

    Retiring Before Social Security? Consider These Portfolio Changes - 555
    Nov 11 2025

    Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, today on Your Money, Your Wealth® podcast number 555. Christine just retired at 59 and wants the smartest way to draw income before Social Security, without letting taxes take a third of it. Prickly Richard and Margarita Maggie have a plan to "pull ahead" some Roth conversions now to dodge an RMD avalanche later. Will it work? And the Michigan Queen and Mississippi Boy are wondering whether to save harder for retirement or college for three kids currently under the age of 5.

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-555 (full show notes & episode transcript)

    Tax-Free Retirement Guide - NEW! Free download

    How To Retire Tax-Free With A Smart Income Plan on YMYW TV

    Financial Blueprint (self-guided)

    Financial Assessment (Meet with an experienced professional)

    REQUEST your Retirement Spitball Analysis

    DOWNLOAD more free guides

    READ financial blogs

    WATCH educational videos

    SUBSCRIBE to the YMYW Newsletter

    Connect With Us:

    YouTube: Subscribe and join the conversation in the comments

    Podcast apps: subscribe or follow YMYW in your favorite

    Apple Podcasts: leave your honest reviews and ratings

    Chapters:

    00:00 - Intro: This Week on the YMYW Podcast

    00:53 - I Retired at 59. What's My Best Retirement Withdrawal Strategy Before Social Security at 62? (Christine)

    13:50 - Should We Do Roth Conversions Before Being Hit With the RMD Avalanche? (Prickly Richard & Margarita Maggie, Tucson, AZ)

    26:20 - Saving for Early Retirement at 55 vs. Saving for Kids' Future (Michigan Queen & Mississippi Boy, TN)

    39:53 - Outro: Next Week on the YMYW Podcast
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    41 min
  • Change of Roth Plans for the New Senior Tax Bonus? Tax-Loss Wins? - 554

    Change of Roth Plans for the New Senior Tax Bonus? Tax-Loss Wins? - 554
    Nov 4 2025
    Should the new temporary senior tax deduction change your Roth conversion strategy? Joe and Big Al spitball for Chris in Maple Grove, Minnesota, who wonders whether to keep converting to Roth now that the $6,000 Senior Bonus deduction phases out with higher income, today on Your Money, Your Wealth® podcast 554 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Teri from Salt Lake City's broker has amassed $60,000 of losses in Teri's $1.1 million account due to tax-loss harvesting. When is enough… enough? Windy Chicago in Chino Hills, California, wonders what to do about their cost basis vanishing after transferring mutual funds to Vanguard, and Larry and Sally from Michigan are planning for retirement while facing significant health challenges. Can they afford to bridge the healthcare gap and still retire safely? Free Financial Resources in This Episode: https://bit.ly/ymyw-554 (full show notes & episode transcript) One Big Beautiful Bill Act Guide Retirement Income Strategies Guide Retirement Rebound: 5 Plays to Help You Score a Comeback - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings Chapters: 00:00:00 - Intro 00:00:56 - Should We Stop Roth Conversions for the New $6,000 Senior Bonus Tax Deduction? (Chris, Maple Grove, MN) 00:07:44 - Lost Cost Basis After Moving Funds to Vanguard. Now What? (Windy Chicago, Chino Hills, CA) 00:10:21 - Tax Loss Harvesting: When Is It Too Much? (Teri, Salt Lake City) 00:18:49 - Can We Retire with Rising Health Costs and Care Needs? (Larry & Sally Morgan, voice) 00:33:34 - Outro: Next Week on the YMYW Podcast
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    35 min
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