Your Money, Your Wealth Podcast Por Joe Anderson CFP® & Alan Clopine CPA of Pure Financial Advisors arte de portada

Your Money, Your Wealth

Your Money, Your Wealth

De: Joe Anderson CFP® & Alan Clopine CPA of Pure Financial Advisors
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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 Economía Finanzas Personales
Episodios
  • UGMA, 529, HSA, RMD, and Inherited IRA Tax Bombs Defused - 557

    UGMA, 529, HSA, RMD, and Inherited IRA Tax Bombs Defused - 557
    Nov 25 2025
    Joe Anderson, CFP® and Big Al Clopine, CPA are defusing some confusing tax time bombs today on Your Money, Your Wealth® podcast number 557. George in Torrance wants to know the smartest way to deal with the giant UGMA account set up by his kids' grandparents. Suzanne in Detroit has a twist on the new 529 plan to Roth rollover rule. Homer and Marge need a spitball on whether they can build huge 529 plans for college savings and still retire early. Plus, Bill in Chicago just inherited a $950K IRA and needs a withdrawal plan before he triggers a tax explosion. Aaron in Cincinnati wonders whether maxing out his health savings account every year as part of his overall pre-tax contributions is a good idea. Carl in Western Maryland has questions about the required minimum distribution age and HSA rules, and wonders whether those who make the tax code are on drugs. And finally, Marc wants to know how to avoid the tax kaboom from $the 4M sitting in his traditional IRAs at age 73. Free Financial Resources in This Episode: https://bit.ly/ymyw-557 (full show notes & episode transcript) DIY Retirement Guide - limited time Special Offer, download yours by Friday November 28, 2025! Financial Advisors Expose the Internet's Worst Retirement Strategies! - 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 01:07 - Best Tax Moves When Your Kid Has a Huge UGMA Account (George, Torrance, CA) 06:23 - 529 to Roth Rollover or Save for Grad School: What's the Smarter Play? (Suzanne, Detroit) 14:47 - Can $650K High Earners Afford to Build Huge 529 Plans and Still Retire Early? (Homer and Marge, No CA) 24:01 - Inherited IRA Withdrawal Plan: How Much Should You Take Out Annually? (Bill, Chicago) 31:23 - Should You Really Max Out Your HSA Every Year? (Aaron, Cincinnati, OH) 33:07 - Do You Take RMDs at 73 or 75? Was the Government on Drugs When They Came Up with HSA Rules? (Carl, Western MD) 38:07 - 73 With $4 Million in IRAs: What's the Best Tax Strategy? (Marc, 92024 - Encinitas, CA) 39:31 - Outro: Next Week on the YMYW Podcast
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    41 m
  • 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
    Más Menos
    31 m
  • 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
    Más Menos
    41 m
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