Одну секунду
Что-то сучилось. Попробуйте еще раз.
Alan Clopine смотреть последние обновления за сегодня на .
Some people want to retire as soon as humanly possible, some have to keep working, and some people really just want to stay on the job. Today on Your Money, Your Wealth®, some tips, considerations and benefits of planning for retirement when you don’t plan to retire. Listen to the full podcast here: 🤍 Transcription "You might invest your portfolio a little bit differently than someone else. And there are two different trains of thought, depending on your situation. Maybe you take less risk in your portfolio because you don't need the money for as long, or maybe take more risk, because you don't need the money. Depending on what your long-term goals are. Do you want to have the money around when you pass for your kids, or for charity, or for whatever you want? Or it's like, "I've got enough money already. Let's go really safe. I may not have to be very aggressive because I don't need the money as long." If you would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” 🤍 Channels & show times: 🤍 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Media Guru Alan Clopine Recomends Terry Moore as your apartment broker.
Even if you've procrastinated and haven't saved much money for your retirement, you can still become a millionaire. It will take discipline and planning but it can be done without a winning lottery ticket. Financial professionals Joe Anderson and Alan Clopine give you monthly savings goals and tax strategies that can help you become one of the 42 millionaires worldwide. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Have the years raced by without saving for retirement being a priority? You are in good company. Financial professionals Joe Anderson and Alan Clopine give you tips to fast rack your retirement after 40. Planning for your retirement takes a different approach when you haven't focused on it until the time horizon for retirement isn't that far off in the distance. From putting a plan in place, keeping more of what you make to making sure you don't derail your retirement, this segment is a must-see for anyone falling short of their savings goals. Key Points: 0:00 Intro 1:50 Retirement Goals Employees Want 2:30 Fast Track Your Retirement After 40 4:00 Action Plan 5:40 Determine Spending 7:50 Monthly Plan to 500k 9:00 Retirement Accounts 12:20 Delay Retirement 13:10 Keep Working 15:50 Patience Pays 19:20 Avoid Raiding the Account 20:40 Are you giving it to Adult Children? 21:40 Ask the Experts Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with any one of our experienced financial professionals, either online or at one of our offices in San Diego, Brea, Irvine, and Woodland Hills, California: 🤍 Subscribe to our YouTube channel and stay tuned for the next episode of the Your Money, Your Wealth® TV show: 🤍 Subscribe to the YourMoney, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor. • Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. CFP® - The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation. AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation. CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.
You are going to need a steady stream of income in your retirement that can span more than 30 years! How can you plan and save enough money so that you don't run out of cash? Financial professionals Joe Anderson and Alan Clopine explain a fixed income approach using stock, bonds, and annuities to help keep you flush with cash during your retirement years. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Wanna be a millionaire? Pure Financial Advisors' professionals Joe Anderson and Jake Greenberg put their expertise to the test to see who can win the Millionaire Showdown. Pure Financial Advisors' CEO and CFO Alan Clopine does his best to stump the duo with questions ranging from the expected rate of returns on investments to how long most people spend in retirement. Put your know-how to the test and start planning how to become a millionaire. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
For many people planning for retirement, risk is often a dirty word. But risk can be good. It can help bolster your retirement funds if it is managed properly. Financial professionals Joe Anderson and Alan Clopine guide you through risks that can help increase your retirement funds and ones that can keep you from meeting your retirement goals. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Discover the power of compounding interest. Financial experts Joe Anderson and Alan Clopine tell you how to start saving in your 20's so you can be financially secure in your golden years. Broadcast Date: May 7, 2017 If you would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” 🤍 Channels & show times: 🤍 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
For many becoming a millionaire is one of the financial benchmarks that indicate that you have arrived in life. Do you have any idea what it would take for you to become a millionaire? Financial professionals Joe Anderson and Alan Clopine explore ways to save and strategies that can help you grow your retirement funds so you can reach millionaire status. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Are you a do-it-yourselfer or a DIY retirement planner? Planning for your retirement is likely the most important planning you will ever undertake in your life. The high stakes choices don't often allow for a second chance. So if you plan to do it yourself there are critical mistakes you need to avoid. Financial professionals Joe Anderson and Alan Clopine take you through some DIY retirement planning mistakes and tell you how to make the most of your retirement savings. Download free retirement guides: 🤍 Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Alan Clopine, CFO of Pure Financial Advisors welcomes you to our December newsletter featuring current topics, company profiles and retirement tips. It’s the most wonderful time of the year, so this month is all about charitable giving. Leading us off is Brian Sauter, CFP® with Tax Savings Strategies through Charitable Giving. Followed by the Financial Tip: Financially Stress-Free Holiday Season with Peter Keller, CFP®. Keeping with the theme, the white paper is Charitable Giving: Steps on Informed Donating. It’s an amazing resource, download it for free! Next in our advisor showcase, we have Andrew Askin, CFP® from our Denver branch. Andrew is all about the individual approach to get his clients to where they want to be in retirement and do it in a way that suits them best. Education is a main focus at Pure and our webinar this month will be about giving to charity: the gift that gives back, just click on the link to sign up. Be sure to catch our TV show, Your Money Your Wealth on YouTube and now streaming on ROI TV, and you can always listen to our podcast on the go - make sure to subscribe so you don't miss a single episode. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with any one of our experienced financial professionals: 🤍 Office locations: 🤍 Ask your personal finance questions: 🤍 Subscribe to our channel: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor. • Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. CPA - Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period. CFP® - The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation. AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation.
Has your financial outlook changed over the past few months? The COVID-19 pandemic has left many of you rethinking your financial plan for retirement. Financial professionals Joe Anderson and Alan Clopine want to give you the tools and strategies not just to survive but to thrive when life takes unexpected turns. Pure Financials' Managing Director Jake Greenberg discusses how applying a set formula to your retirement plan can backfire. Important Points: (01:39) – Power of Financial Planning -Develop A Written Plan -Build Emergency Fund -Keep Up With Health Care Costs -Maintain Investing Discipline -Protecting Against Market Risk (02:26) – Importance of Having an Emergency Savings (02:58) – Develop a Written Financial Plan (05:50) – Create an Emergency Fund (07:08) – Emergency Fund Myths (10:15) – Retiree Health Care Costs (12:10) – Constructing a Financial Plan (16:30) – Monitoring Your Portfolio (20:23) – Benefit of Diversification (22:22) – Power of Financial Planning: Rebalancing (24:08) – Ask the Experts (24:59) – Pure Takeaway: Power of Financial Planning -Creating a Plan for Your Personal Goals -Maintain an Emergency Fund -Plan for Health Care Costs -Invest to Meet Your Goals -Protect Your Portfolio Against Market Risk Schedule a free assessment with any one of our CFP® professionals, either online or at one of our financial planning offices in San Diego, Brea, Irvine, and Woodland Hills, California: 🤍 Subscribe to our YouTube channel and stay tuned for the next episode of the Your Money, Your Wealth® TV show: 🤍 Subscribe to the YourMoney, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Learn the best retirement plan for a small business without employees with your hosts Alan Clopine, CPA and Joe Anderson, CFP®. If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: 🤍 🤍 Aired: 1-17-15 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
One of the biggest fears most retirees have is running out of money. A virtual retirement TKO or knockout! Financial experts Joe Anderson and Alan Clopine discuss ways to avoid the jabs of life and put a strong and dynamic retirement plan in place. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Thinking of starting your own business after you retire? It is a growing trend in this Gig Economy. More retirees are getting a side job or starting the business of their dreams. Financial professionals Joe Anderson and Alan Clopine discuss what you need to know about limiting your tax exposure when you get a side gig during your retirement years. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
On Tax Time, Alan Clopine, CPA breaks down the complexity of taxes into bite-size chunks! In this segment Big Al explains how to qualify for a tax free sale of your principal residence. Schedule a free assessment with any one of our professionals, either online or at one of our financial planning offices in San Diego, Brea, Irvine, and Woodland Hills, California: 🤍 Subscribe to our YouTube channel and stay tuned for the next episode of the Your Money, Your Wealth® TV show: 🤍 Subscribe to the YourMoney, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation. CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.
Where should you save your money first? Alan Clopine, CPA shares where you should be saving your money on this clip of “Your Money, Your Wealth” If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: 🤍 🤍 Clip from Season 1 Episode 27, aired: 12-6-14 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
On Tax Time, Alan Clopine, CPA breaks down the complexity of taxes into bite-size chunks! In this segment Big Al explains the concept of tax loss harvesting and how it could reduce your taxes. Schedule a free assessment with any one of our professionals, either online or at one of our financial planning offices in San Diego, Brea, Irvine, and Woodland Hills, California: 🤍 Subscribe to our YouTube channel and stay tuned for the next episode of the Your Money, Your Wealth® TV show: 🤍 Subscribe to the YourMoney, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation. CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.
You could be getting in the way of your own financial success! Financial professionals Joe Anderson and Alan Clopine discuss investor biases that interfere with sound investment decisions. To get more in-depth information look at Your Money Your Wealth show #509, "Investor Boot Camp". Transcript: Joe: Let's get into some biases because we're all overconfident about certain things. We’re under confident about others. When it comes to our money though, our mind plays tricks on us where we probably shouldn't be equipped to handle money. Alan: You’re right, Joe, and I think, I think overconfidence probably is maybe the first one to talk about because we all think we're better investors than we really are. And so, you can look at different studies and check this out. So, 94% of college professors think they're above average teachers, and about 80% of drivers think they're better than average and that just can't be, average is 50%. So, there's no way the numbers work out. Now, how this translates to investment, investing is we pick a good stock, we pick a good mutual fund and all of a sudden, we think we're smarter investors than we really are. And if we pick a bad one, oh, that was just bad luck. So, we're attributing it to our wonderful prowess at investing and Joe, that's a dangerous way to go. Joe: It sure is, I wonder how many people you just annoyed. They’re like no, I am a sophisticated investor, Alan. I'm never lucky, you know I'm never unlucky, right. Alan: I will tell you, Joe, doing tax returns for my whole life, I see people they tell me how good they are at stock picking and then I do their returns. Joe: Right, and then you see all the losses? Alan: Lots of losses, yeah. Joe: And speaking of losses is that here's what our brain does. You know we're twice as fearful to lose money than we are to gain, right. So, we have a lot more pain when we see that money go down than we are happy when we see the money go up. That's what makes us make rational; you know irrational decisions. Is that okay you see the market go up, hey it's okay, all right that's what it's supposed to do, and then you see that sharp turn. It's like all that pain comes up and we have to react. It's like that train coming down the track; we're born to get out of the way. When you see your portfolio go down. That's our natural reaction is to do something, to take action. In most cases, it is the wrong action. It's that fear and greed mentality that we have is that when the market goes up, oh we got to buy because I want to keep making all this money, look at the market it's doing fantastic. And then when the market goes down, that's where the fear comes in. It's like oh my gosh I've got to live off this money. I need every cent of it. So, I got to sell and just hopefully just keep my nest egg the way it is. But then all of a sudden as soon as we do that we see that market go back up again. You tell me if this is the market where would you want to buy? Where would you want to sell? If you think of it like this, I probably want to sell here and buy here, but we do the exact opposite. Right, every time I know, it's a lot easier said than done, when you're in the mix of things it's like oh boy what do I do. It’s a real issue. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Tired of writing a big check to Uncle Sam? You can help take the sting out of your tax bill by using financial planning tools and strategies. Financial professionals Joe Anderson and Alan Clopine discuss how tax-loss harvesting can help create tax savings. They caution against counting on antiques or rare coins to fund your retirement. Take a look at why! Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
'Tis the season to give and get back! How do you maximize your tax deductions when giving to charity. Alan Clopine, CPA covers: Donor Advised Funds, Bunching Donations, Charitable Gift Annuity, Gifting Appreciate Stock and much more. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with any one of our experienced financial professionals, either online or at one of our offices in San Diego, Brea, Irvine, and Woodland Hills, California: 🤍 Ask your personal finance questions: 🤍 Subscribe to our channel: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor. • Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • The information contained within this presentation is based on current tax rules and policies and is subject to change in the future. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period. AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation.
Saving money on your tax bill can be easier if you own a business. If you are an employee, you may feel like there is almost nothing you can do. But help is on the way! Financial professionals Joe Anderson and Alan Clopine explore the tools and strategies you can use to keep more of the money you make. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
When the stock market experiences highs and lows many investors make the mistake of dramatically changing their investment strategy. We ask the experts if inflation spikes or if dips in the market are reason enough to make drastic shifts in your portfolio. Financial professionals Joe Anderson and Alan Clopine explain why timing the market isn't a successful retirement investment strategy. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
You’ve saved for retirement for years with tools ranging from 401(k)s, IRAs, to investments, and rental properties. Now you need an income stream for life. How do you go about it? You may need to create income to support your lifestyle for 25 years or more. Financial experts Joe Anderson and Alan Clopine give you strategies to create a steady stream of income during retirement. Plus, Pure Financial's Matt Balderston, CFP® tells us about the Total Return approach and the benefits of using this strategy for retirement planning. Important Points: (00:48) – Retiree Sources of Income (2:27) – Creating a Steady Stream of Income in Retirement (3:25) – Calculating How Much Money You Should Have Saved for Retirement (4:47) – Analyzing Strategies to Help Save More Money (5:08) – The 4% Distribution Rule (8:39) – Retirement Income White Paper – Download Here: 🤍 (9:43) – Life Expectancy (10:22) – Ways to Create a Fixed Income: High Dividend Stocks, High-Yield Bonds, Laddered Bonds (11:28) – Types of Annuities (14:12) – Total Return Approach (18:23) – Is Social Security Going to Run Out of Money? (19:54) – Delaying Social Security Benefits (20:35) – Reverse Mortgage (21:30) – Part-Time Jobs (22:08) – Renting a Room in Your Home (22:59) – Saving Money on Taxes After Selling Your Business (24:16) – Pure Takeaway Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Any idea how much money you should be saving for retirement at different stages of your life? Financial experts Joe Anderson and Alan Clopine show you how much you need to save in your 30's so you are on track to have financial freedom when you retire. Broadcast Date May 7, 2017 If you would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” 🤍 Channels & show times: 🤍 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Are you dreaming of retiring in the next year or the next decade? Stop dreaming and make retirement a reality. Financial professionals Joe Anderson and Alan Clopine give a 365-day countdown to retirement. They'll help you determine if you are ready to leave your day job and give you specific steps to take if you have fallen short of your financial goals. Visit our website for the full transcript: 🤍 Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Alan Clopine, CPA defines what estate taxes are and gives you three ways to reduce them: 1) Give away your assets before you pass 2) Buy life insurance 3) Set up advanced estate planning Transcription: "Hi, I'm Al Clopine, CPA and Chief Financial Officer of Pure Financial Advisors, and you are watching Question of the Week. Today's question is about how to reduce estate taxes. First of all, let's talk about what estate taxes are. If you were to pass away, the IRS would like to tax those assets before your beneficiaries receive them. Before you get too concerned, there's an exception: it's $5,430,000 passes to the next generation 100% tax-free. If you're over that it's a 40% tax, so it's a lot. If you're married, the husband and wife both get the $5,430,000 so it's almost $11 million that gets passed to the next generation tax-free. What is that? Stocks, bonds, equities, real estate. Let's say you're over that or you think you're going to be over that. There're three ways you can reduce estate taxes: 1) The first one is very simple. You start giving away your assets before you pass. You're allowed to give $14,000 to anyone you want to, say your son. Your spouse can also give $14,000 to whoever they want to, let's say they give it to your son as well. So that's $28,000. If your son is married, you can also give $14,000 to the spouse. It's quite a bit that you can give away. By giving away assets, you're going to reduce your estate and therefore reduce your estate taxes. 2) Number two would be buying life insurance. A lot of financial planner recommend this. You buy life insurance to pay for that estate tax. I don't necessarily recommend this, unless you have assets that are highly illiquid, like real estate or a business you want to keep in the family and there's no other way to pay the tax without life insurance. Otherwise, I believe it's oversold in our industry. 3) Third, is what we call advanced estate planning. There's all kinds of techniques to try and reduce your estate taxes. Essentially what it is is setting up entities, like a family limited partnership, or a charitable lead trust or charitable remainder trust for example. You're actually putting assets into those entities, and what that does is it effectively takes it out of your estate and therefore you don't have to pay estate taxes on that. There are pros and cons for these entities; you'll potentially lose some control over that asset. You may lose some income so you may not want to do everything. You may want to mix and match them, usually it's a combination of things to make it work but there's really no reason to pay a lot of estate taxes because of advanced estate planning. You have just watched Pure's Question of the Week." 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Joe Anderson, CFP® and Alan Clopine, CPA share why you shouldn't use tips from the media to guide your investments. Jim Cramer and rapper Redfoo from LMFAO try to share their stock market strategies... If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: 🤍 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Many people envision living in their family home during their retirement years, but that may not be the best decision for many retirees. Financial experts Joe Anderson and Alan Clopine explore the benefits of downsizing your home to boost your retirement savings. Broadcast Date: August 13, 2017 If you would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” 🤍 Channels & show times: 🤍 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Tax Planning Strategies: How can you save in taxes? Alan Clopine CPA, AIF® and CEO & CFO of Pure Financial Advisors explains some ways to do just that: Diversification - Tax Loss Harvesting - Donor Advised Fund. Pure Financial Advisors, Inc. is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with any one of our professionals, either online or at one of our financial planning offices in San Diego, Brea, Irvine, and Woodland Hills, California: 🤍 Ask your personal finance questions: 🤍 Subscribe to our channel: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.
Where are you getting advice for the critical retirement planning process? Do you get caught up in the headlines of what is driving the market, or how to invest in just the right stocks to get rich? Are you Googling your way to your Golden Years? Perhaps you're turning to social media, or friends and family. Your retirement lifestyle can be determined by the decisions you make now. Joe Anderson, CFP®, and Alan Clopine, CPA, will help you ignore the hype and sort facts from fiction to give you a clearer vision of retirement planning. FREE BOOK: Ignore the Hype: Financial Strategies Beyond the Media-Driven Mayhem, by Brian Perry, CFP®, CFA®: 🤍 0:00 intro 1:34 Facts vs Fiction 2:49 Google Guidance 3:41 Stock Market Timing vs Time in the Market 6:42 Financial Market Returns and Current Events 7:19 Ignore the HYPE 9:24 Chasing Trends - Volatile Investments 11:21 Cryptocurrency 12:35 Ignore the HYPE 14:06 Solid Investment Plan 16:31 Budget & Shortfall 18:42 Asset Allocation 20:22 Diversify and Rebalance Your Portfolio 21:39 Ask the Experts 23:14 Pure Takeaway 23:45 Ignore the HYPE Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor. • Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. CFP® - The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation. AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation. CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period. CFA® charter – Chartered Financial Analyst® designation contains three levels of curriculum which includes analysis using investment tools, valuation of assets, and synthesizing the concepts and analytical methods in a variety of applications for effective portfolio management and wealth planning. Candidates must meet enrollment requirements, self-attest to professional conduct, complete the approx. 900 hours of self-study, and successfully pass each level’s 6-hour exam to use the designation. CFA Institute does not endorse, promote, or warrant the accuracy or quality of Pure Financial Advisors. CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute.
From estate planning to timing when to claim your social security benefits, financial professionals Joe Anderson and Alan Clopine break down the steps you need to take before you retire. Should you pay off your mortgage and be debt-free or is it better to have more cash available? Put this dynamic duos' decades of experience to work for you as you countdown to retirement. Visit our website for the full transcript: 🤍 Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
From record highs to record lows, the stock market can change hour by hour leaving you with market motion sickness. When the stock market is the most volatile, is when many independent investors make their biggest mistakes that can potentially wipe out their entire financial plan for retirement. Financial professionals Joe Anderson and Alan Clopine help you avoid a devastating blow to your retirement funds by teaching you how to control what you can control with your investments. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
What you don't know about taking your Social Security benefits could cost you thousands of dollars. How Social Security Savvy are you? Put your knowledge to the test with financial experts Joe Anderson, Alan Clopine, Allison Alley, and Nate Ritchison. Broadcast Date: June 25, 2017 If you would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” 🤍 Channels & show times: 🤍 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
Find Out If An Annuity Is Right For You - TAKE THE QUIZ 🤍 Schedule Your Free Web Consultation Now 🤍 How To Avoid Outliving Your Retirement Savings - how to avoid outliving your retirement savings. financial experts joe anderson and alan clopine tell you how to keep from wiping out your retirement savings when the stock market takes big dips and surges. 3 ways to avoid outliving your retirement savings | s. how to avoid putting your retirement savings at risk | investing sense. in this episode joe and al share planning tips to help you avoid outliving your money in retirement... synopsis: the number-one fear in retirement is outliving your money. keep the volatile stock market from wiping out your retirement savings. how to make sure your retirement savings outlive you, part 1. 3 divorce mistakes that could totally ruin your retirement and how to avoid them. episode 7 | want to avoid outliving your retirement nest egg? take these steps to avoid outliving your savings when you retire. we have 3 steps to help avoid putting your retirement savings at risk. how to avoid outliving your retirement savings dear liz: the wife and i are both 65. it’s the possibility of completely depleting your retirement savings before you die. how to avoid outliving your retirement money.
Tax reform in both the House of Representatives and the Senate call for collapsing the current seven brackets to four. Will that change how much money you have to pay in taxes each year? Financial expert Alan Clopine breaks it down. If you would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” 🤍 Channels & show times: 🤍 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. Ask Pure
Retiring is one of the mile markers many people look forward to, but the days leading up to the countdown to retirement can be full of anxiety if you aren't sure if you have saved enough money to enjoy your golden years. Pure Financial's Senior Advisor Peter Keller discusses the steps you can take to have some peace of mind by controlling the things you can control. Not sure what timing works best for you and your retirement? Do you have a non-financial action plan? Financial professional Alan Clopine breaks it all down in this one-on-one interview. Visit our website for the full transcript: 🤍 Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with an experienced financial professional: 🤍 Office locations: 🤍 Ask Joe & Big Al On Air: 🤍 Subscribe to our YouTube channel: 🤍 Subscribe to the Your Money, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. #YourMoneyYourWealth #YMYW #YourMoneyYourWealthTV
On Tax Time, Alan Clopine, CPA breaks down the complexity of taxes into bite-size chunks! In this segment Big Al explains the concept of a Roth IRA conversion and how it could reduce your taxes. Schedule a free assessment with any one of our professionals, either online or at one of our financial planning offices in San Diego, Brea, Irvine, and Woodland Hills, California: 🤍 Subscribe to our YouTube channel and stay tuned for the next episode of the Your Money, Your Wealth® TV show: 🤍 Subscribe to the YourMoney, Your Wealth® podcast: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation. CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.
'Tis the season to give and get back! How do you maximize your tax deductions when giving to charity. Alan Clopine, CPA covers: Donor Advised Funds, Bunching Donations, Charitable Gift Annuity, Gifting Appreciate Stock and much more. Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Schedule a free assessment with any one of our experienced financial professionals, either online or at one of our offices in San Diego, Brea, Irvine, and Woodland Hills, California: 🤍 Ask your personal finance questions: 🤍 Subscribe to our channel: 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor. • Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • The information contained within this presentation is based on current tax rules and policies and is subject to change in the future. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period. AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation.
How financially fit are you? Alan Clopine, CPA gives you five pieces of advice for getting in shape when it comes to your finances. 1. Weigh in (where are you at?) 2. Go on diet (get your debt & loans in order) 3. Cut down on empty calories (a.k.a taxes) 4. Spend less, save more 5. Make sure you have a coach (a financial planner) Transcription: "Are you financially fit? Everyone wants to get in shape, but how about financially? Hi, I'm Alan Clopine, Chief Financial Officer of Pure Financial Advisors, and you're watching Pure's Question of the Week. How do we get fit financially? Let's start by weighing in where we are at.You want to take a look at your assets, look at your cash, look at your non-retirement assets. Look at your retirement accounts, add those together. That will be your total liquid assets. Add your real estate equity which is the value of the real estate minus the loan to get total net worth. If you're like a lot of people, you may feel like you're behind. So we need to get on a program. Step number two is we need to go on a diet. Number one as far as a diet goes, how about your debt? Do you have debt? Do you have consumer debt? Do you have car loans? Student loans? Do you have credit card debt? If you have credit card debt, it can be pretty expensive. The interest rates per year are 15%, 18, even 29% I've seen. If you have credit card debt, you're going to want to spend less so you can get that retired as soon as possible. Sacrifice a little today to put yourself in a much better position. By the way, if you're spending less, how about saving more? We know that the average 401(k) balance according to Fidelity Investments is $91,000 and that's just not going to cut it. You're going to need to get more money into that 401(k) for your own retirement. What about thisempty calories. We all love potato chips, but in terms of financially, empty calories are taxes. Let's figure out ways to pay less taxes, and there's a lot of them, not only for this year but future years down the road. Understand the tax law. The fifth thing of putting this all together is make sure you have a coach, a financial planner to not only make sure you're on track but monitor your progress as you go. When you find this coach, make sure they're a Certified Financial Planner™, they're fee only, have appropriate experience and that they're a fiduciaryso they're looking out for your own good. If you follow these five things, you will be in much better shape financially. I'm Alan Clopine, and you've watched Pure's Question of the Week." If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: 🤍 🤍 IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. Ask Pure
.svg){kind=small}
