title

Your Money, Your Wealth

Your Money, Your Wealth

4
Followers
96
Plays
Your Money, Your Wealth
Your Money, Your Wealth

Your Money, Your Wealth

Your Money, Your Wealth

4
Followers
96
Plays
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About Us

Personal finance show bringing listeners actionable advice to retire successfully. Hosts Joe Anderson, CFP® and "Big Al" Clopine, CPA break down key strategies on designing your investment portfolio, maximizing Social Security, generating a retirement income distribution plan, avoiding paying unnecessary taxes and so much more. Show notes and transcripts at YourMoneyYourWealth.com

Latest Episodes

The Truth About Indexed Universal Life Insurance

Is indexed universal life insurance good for estate planning, investing or as a tax shelter for high-income earners? Should you pay down debt or save if you only have $100K saved for retirement at age 66? Should extra money be invested in your 457 or brokerage account? ETFs or mutual funds? And with the new tax laws scheduled to sunset in 2026, does it make sense to do a giant Roth conversion in 2025? Transcript, free resources and show notes: http://bit.ly/YMYW-243

42 MIN1 days ago
Comments
The Truth About Indexed Universal Life Insurance

Investing the Money from a Real Estate Sale

You've sold your primary residence or your rental property. How should you invest real estate proceeds for retirement? When do Joe and Big Al say you shouldn't do a Roth conversion? What’s the math on federal vs state taxes when doing a Roth conversion if you move to a no income tax state? And how is your pension taxed if you move? Transcript, free resources, and show notes at http://bit.ly/YMYW-242

45 MIN1 weeks ago
Comments
Investing the Money from a Real Estate Sale

Answers to Your Top Roth Conversion Questions

Your Roth IRA questions answered: when should you do a Roth conversion, now or in retirement? What kind of income is it? How do you convert slowly so the taxes don't hurt? How long do you have to work before contributing to a Roth? Does the 5-year rule apply for Roth withdrawals after age 59 1/2? Plus, estate planning, reverse mortgages, transferring from a variable annuity to a traditional IRA, and paying Medicare premiums with an HSA. Transcript, free resources, and show notes at http://bit.ly/YMYW-241

46 MIN2 weeks ago
Comments
Answers to Your Top Roth Conversion Questions

How to Choose Your Own Financial Independence Adventure

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

50 MIN3 weeks ago
Comments
How to Choose Your Own Financial Independence Adventure

How Should You Invest? As Always, It Depends

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

45 MINSEP 18
Comments
How Should You Invest? As Always, It Depends

Roth Conversions, Life Insurance & More: Email Round-Up

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

49 MINSEP 10
Comments
Roth Conversions, Life Insurance & More: Email Round-Up

Mad at the Roller Coaster? Then You Don't Understand the Ride

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

50 MINSEP 3
Comments
Mad at the Roller Coaster? Then You Don't Understand the Ride

How Much Can You Spend When You're On FIRE?

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 QCDs? And what happens if you’ve made mistakes with your IRA that lead to penalties? Transcript & show notes: http://bit.l

48 MINAUG 27
Comments
How Much Can You Spend When You're On FIRE?

Recession and the Inverted Yield Curve

An inverted yield curve has often led to recession. Pure Financial Advisors' 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-2

49 MINAUG 20
Comments
Recession and the Inverted Yield Curve

Tax Postcard, Stretch IRAs & Life Insurance for Education

ENTER TO WIN A $100 AMAZON GIFT CARD! US residents, fill out our survey by 8/18: https://www.surveymonkey.com/r/2019ymyw The revamped 2019 tax “postcard,” how the SECURE Act could be a tax issue for IRA trusts, and is indexed universal life insurance a good investment for education costs? Should you roll a 401(k) to an IRA? How much can you convert from 401(k) to Roth after age 70 1/2? Will you go to jail for filing your taxes before receiving form 5498? Transcript & show notes: http://bit.ly/YMYW-23

46 MINAUG 14
Comments
Tax Postcard, Stretch IRAs & Life Insurance for Education

Latest Episodes

The Truth About Indexed Universal Life Insurance

Is indexed universal life insurance good for estate planning, investing or as a tax shelter for high-income earners? Should you pay down debt or save if you only have $100K saved for retirement at age 66? Should extra money be invested in your 457 or brokerage account? ETFs or mutual funds? And with the new tax laws scheduled to sunset in 2026, does it make sense to do a giant Roth conversion in 2025? Transcript, free resources and show notes: http://bit.ly/YMYW-243

42 MIN1 days ago
Comments
The Truth About Indexed Universal Life Insurance

Investing the Money from a Real Estate Sale

You've sold your primary residence or your rental property. How should you invest real estate proceeds for retirement? When do Joe and Big Al say you shouldn't do a Roth conversion? What’s the math on federal vs state taxes when doing a Roth conversion if you move to a no income tax state? And how is your pension taxed if you move? Transcript, free resources, and show notes at http://bit.ly/YMYW-242

45 MIN1 weeks ago
Comments
Investing the Money from a Real Estate Sale

Answers to Your Top Roth Conversion Questions

Your Roth IRA questions answered: when should you do a Roth conversion, now or in retirement? What kind of income is it? How do you convert slowly so the taxes don't hurt? How long do you have to work before contributing to a Roth? Does the 5-year rule apply for Roth withdrawals after age 59 1/2? Plus, estate planning, reverse mortgages, transferring from a variable annuity to a traditional IRA, and paying Medicare premiums with an HSA. Transcript, free resources, and show notes at http://bit.ly/YMYW-241

46 MIN2 weeks ago
Comments
Answers to Your Top Roth Conversion Questions

How to Choose Your Own Financial Independence Adventure

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

50 MIN3 weeks ago
Comments
How to Choose Your Own Financial Independence Adventure

How Should You Invest? As Always, It Depends

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

45 MINSEP 18
Comments
How Should You Invest? As Always, It Depends

Roth Conversions, Life Insurance & More: Email Round-Up

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

49 MINSEP 10
Comments
Roth Conversions, Life Insurance & More: Email Round-Up

Mad at the Roller Coaster? Then You Don't Understand the Ride

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

50 MINSEP 3
Comments
Mad at the Roller Coaster? Then You Don't Understand the Ride

How Much Can You Spend When You're On FIRE?

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 QCDs? And what happens if you’ve made mistakes with your IRA that lead to penalties? Transcript & show notes: http://bit.l

48 MINAUG 27
Comments
How Much Can You Spend When You're On FIRE?

Recession and the Inverted Yield Curve

An inverted yield curve has often led to recession. Pure Financial Advisors' 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-2

49 MINAUG 20
Comments
Recession and the Inverted Yield Curve

Tax Postcard, Stretch IRAs & Life Insurance for Education

ENTER TO WIN A $100 AMAZON GIFT CARD! US residents, fill out our survey by 8/18: https://www.surveymonkey.com/r/2019ymyw The revamped 2019 tax “postcard,” how the SECURE Act could be a tax issue for IRA trusts, and is indexed universal life insurance a good investment for education costs? Should you roll a 401(k) to an IRA? How much can you convert from 401(k) to Roth after age 70 1/2? Will you go to jail for filing your taxes before receiving form 5498? Transcript & show notes: http://bit.ly/YMYW-23

46 MINAUG 14
Comments
Tax Postcard, Stretch IRAs & Life Insurance for Education