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Media Guru Alan Clopine Recommends Terry Moore

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00:05:32
25.07.2014

Media Guru Alan Clopine Recomends Terry Moore as your apartment broker.

Take the Mystery Out of Saving For Retirement S.4 | Ep. 11

8735
00:24:26
04.06.2017

If just mentioning Roth IRA's, contribution limits and 401(k)'s send your head spinning, this show is for you. Financial experts Joe Anderson and Alan Clopine discuss tools for savings to help you build your wealth for retirement. Just determining which tools work best for you can be overwhelming. Joe and Al break down these basics for saving for retirement: IRA vs. 401(k)'s Roth vs. Regular Investing Basics Rental Real Estate Important Points: 1:10 - Lost Matches 3:12 - The different types of accounts you can save in for retirement, how they are taxed & the type of investments available 3:35 - IRA 4:30 - 401(k) & 403(b) 5:34 - Non-Retirement Accounts 6:25 - How much you can contribute to an IRA vs. a 401(k) or 403(b) 8:15 - True or False? If I work two jobs, each with its own 401(k) savings plan, I can contribute twice the maximum limit. 10:18 - Countdown to Retirement 12:46 - Roth vs. Traditional 15:44 - Stock vs. Bonds 17:19 - Inflation 18:09 - Stock Allocation 19:35 - Investing 101 20:13 - True or False? An employer match made on my Roth 401(k) contributions is deposited into my Roth account. 21:26 - Al’s Thoughts About Real Estate Broadcast Date: June 4, 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

Ask The Experts: DIY Planning For Retirement

974
00:01:34
02.10.2019

From repairing your plumbing to removing scratches from your car, you can turn to thousands of videos that will give you a step-by-step process to do it yourself. When it comes to an investment strategy for your retirement savings, there isn't a one-size-fits-all approach. Financial professionals Joe Anderson and Alan Clopine discuss mistakes that DIY investors make that can be very costly. 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

9 Retirement Tips If You Don’t Plan to Retire with Alan Clopine - Your Money, Your Wealth EP143

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00:00:29
05.12.2017

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.

The Making of a Retirement Millionaire: Steps to Financial Security

770
00:04:24
20.06.2019

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. 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

The Different Types of Medicare Plan: A, B, C, and D

155
00:02:02
30.08.2017

Knowing the A, B, C's of Medicare can save retirees a significant amount of money and heartache. Financial experts Joe Anderson and Alan Clopine break down what you need to know when enrolling for Medicare and empower you with information to make the best choices for you. Broadcast Date: August 27, 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

Get Real About Real Estate in Retirement: Understanding Cash Flow

828
00:06:16
17.05.2019

Have you dreamed of being a real estate tycoon to help fund your retirement? Financial professionals Joe Anderson and Alan Clopine take a look at the key financial indicators to see if you are making a good investment when you purchase a rental property. From cash flow to depreciation, they discuss how to figure out if investing in real estate is a good option for you. 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

Investor Boot Camp: Investor Biases

420
00:02:56
22.04.2019

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. 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

How Much Money Can I Afford to Spend in Retirement?

142
00:00:54
06.12.2014

Learn how to budget your money and find out how much you should be saving for retirement with Alan Clopine, CPA. 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.

The Making of a Retirement Millionaire: Millionaire Showdown

1008
00:05:58
21.06.2019

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. 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

The Making of a Retirement Millionaire: Retirement Procrastinators

1003
00:04:00
19.06.2019

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. 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

Retiring in a Gig Economy: Limit Your Tax Exposure

545
00:01:46
03.07.2019

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. 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.

When Should You Claim Social Security Benefits?

235
00:00:56
25.06.2017

When you decide to take your Social Security benefits can make a difference of thousands of dollars in how much money your receive over your retirement years. Financial experts Joe Anderson and Alan Clopine breakdown what you need to know to make the best decision for you. Broadcast Date: June 25, 2016 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

Who’s the Better Investor?

232
00:03:08
04.10.2014

Alan Clopine goes to Balboa Park in San Diego to interview the public on who’s a better investor, Warren Buffet or Jimmy Buffet. You'll be surprised at how many people choose the singer over the investor. 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

Life Span Retirement Planning: Saving In Your 30's

343
00:01:01
30.04.2017

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

Saving for Retirement Across Your Lifespan S.4 | Ep. 8

4991
00:24:18
30.04.2017

Your savings plan for retirement varies dramatically depending on your age and how much you previously saved. Not to worry, financial experts Joe Anderson and Alan Clopine help make sure you are on track to retire if you are in your 20's, 30's, 40's or 50's. Retirement Planning Across Your Lifespan: - By the Numbers (How Much You Should be Saving) - Time-Tested Strategies - Retirement Goal Pitfalls Important Points: 1:15 - A majority of Americans feel confident that they will feel financially secure once they reach retirement, but nearly the same number are worried about how they are going to get there… 2:27 - Retirement Planning in your 20's, 30's, 40's & 50's 4:08 - Retirement Planning in your 20's: The Numbers 5:19 - Retirement Planning in your 20's: Strategies 11:16 - Retirement Planning in your 30's: The Numbers 12:52 - Retirement Planning in your 30's: Strategies 17:00 - Saving in your 40's 20:42 - Saving in your 50's 21:57 - Email Question: I'm in my late 20's with more than $30,000 in school loans (about 5% interest rate). Should I pay off my school loans first or start saving for retirement? 23:12 - Email Question: My wife and I are about to have our first child. Can my wife still put money in a retirement account even if she takes a year off from work? 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

Should you Use the Media to Guide your Investments?

169
00:07:17
04.10.2014

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

How to Take Advantage of New IRS After-Tax Rollover Rules

540
00:01:52
06.10.2014

Alan Clopine, Director of Tax Planning for Pure Financial Advisors, Inc. shares strategies for taking advantage of the new IRS after-tax rollover rules stated in IRS Notice 2014-54. 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. Ask Pure

Life Span Retirement Planning: Savings In Your 20's

232
00:01:12
30.04.2017

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

Ask The Experts: Take the Sting Out of Taxes For High Income Earners

1399
00:03:26
26.12.2019

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! Schedule a free assessment with one of our CFP® professionals at Pure Financial Advisors: 🤍 Subscribe to our 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 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

Investor Boot Camp: Portfolio Drift

498
00:00:46
26.04.2019

Do you know what your portfolio should be doing? You may think that you do but you need to take time to rebalance your portfolio and figure out a portfolio that is right for you. Financial professionals Joe Anderson and Alan Clopine explain how your portfolio might drift and the importance of rebalancing it. To hear a more in-depth discussion watch Your Money Your Wealth Show #509 on Investor Boot Camp. Transcript: Alan: You've got your portfolio set up just how you want to. That's great. But it doesn't stay that way it drifts and when it drifts, you got to take a look at it maybe now you have a riskier portfolio or less risky portfolio than really you want for you. So, you got to keep checking this thing, and you need to rebalance as appropriate, Joe. Joe: Right, you're going to see drift in your portfolio where you want a certain dollar figure, right. Three years you got 45%, oops and then now, a couple more years, now you got 52% in that asset class when maybe you only wanted 25 or 30% to begin with. You got to keep on this. You've got to tax manage it. And then, of course, manage your overall risk. 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

How to Profit When the Market Goes Down

329
00:01:59
22.09.2014

Have you ever bought a stock and lost a lot of money? Is there a way to profit from that transaction? Alan Clopine, Chief Financial Officer for Pure Financial shares how to profit from capital losses in this 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. Ask Pure

Money Saving Year-End Tax Strategies: Tips for Employees

817
00:04:38
08.09.2019

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. 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

Keep the Volatile Stock Market From Wiping Out Your Retirement Savings: Control What You Can Control

895
00:03:43
19.07.2019

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. 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

Frequently Asked Estate Planning Questions

879
00:04:52
30.05.2015

Alan Clopine, CPA is joined by special guest Tom Lawler, an estate planning associate with law offices in San Diego. Al asks Tom common questions regarding living trusts and wills, then the two discuss differences between the various types of trusts individuals can choose from. 0:28 “Should I get a will or a living trust?” 1:24 “The idea behind a trust is to avoid those things, you want to go inexpensively, privately and quickly; that’s really what the trust does for you versus the probate which might last a year” 1:43 “There are different types of living trusts—why don’t you explain that?” 1:55 “Simple trust, A/B trust and disclaimer trust—those are the basic three that we use over and over” 2:03 “If you’re a single, unmarried person you would use a simple trust” 2:13 “The A/B trust is primarily set up to use that first spouse’s estate tax exclusion” 2:45 “So with the A/B trust, you essentially have another tax entity; you have to file a trust return at that point—the survivor does. So now you have half the assets in that trust and half the assets in the original living trust which is a flow through where you don’t have to file” 3:00 “Now what about a disclaimer trust, what does that do?” 3:57 “So the disclaimer trust gives you the ability to split it if you want to, but you don’t have to; and if you don’t have to, it’s much simpler” Aired: 5/30/15 Season 2 Episode 22 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

Get Real About Real Estate in Retirement: Investing With Your IRA

490
00:05:01
15.05.2019

Financial professionals Joe Anderson and Alan Clopine are getting real about real estate. The duo breaks down the pros and cons of buying real estate with your retirement accounts. From tax consequences to the possible impact on your required minimum distributions they discuss the top considerations if you are considering buying real estate with a retirement account. 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

Take the Mystery Out of Saving For Retirement: Roth IRA vs. Traditional IRA

978
00:01:21
04.06.2017

Saving for retirement with a Roth IRA versus a traditional IRA can have an impact on how much money you have once you stop working. Financial experts Joe Anderson and Alan Clopine go over the differences and the impact it can have on your retirement savings. Broadcast Date: June 4, 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

Mike Fenison, CFP® on the Importance of Bonds

354
00:05:42
06.06.2015

Al Clopine, CPA, sits down with CEO and Founder of Pure Financial Advisors, Mike Fenison, to discuss the role of bonds in your portfolio. Fenison explains that even with the low interest rate environment, part of your portfolio should be invested in bonds to stabilize it for stock market volatility and to provide liquidity in retirement. Find out the types of bonds you should hold and how your portfolio should be allocated with bonds versus stocks according to your risk tolerance. 0:15 "Given the market conditions, given the stock market is at or near all time highs, everyone's saying there's a bond bubble, so should people still invest in bonds?" 0:32 "the main advantage of bonds is that it gives you a relatively predictive way of controlling the risk in the portfolio" 0:52 "We can't really predict the direction or magnitude of stock market changes, but if you add a bond component to that, you could mitigate that volatility and you can control it so that it matches with the cash flow requirements of the client or matches up with their financial planning" 1:55 "Given this economic climate, with interest rates pretty low and at some point they'll likely go up, what kinds of bonds should people be looking at?" 2:11 "In general, you want to be looking at shorter term, higher quality bonds; you'll avoid some of the credit risk with high quality bonds, and the shorter the duration or maturity of the bond, the less interest rate sensitive it's going to be" 2:29 "There's an inverse relationship, as interest rates go up, bond prices actually go down" 3:01 "It's really important to tie those maturity dates and duration of the bond to what your cash flow requirements are so that you're not forced to liquidate those bonds before you need the money" 4:37 "Not all bonds are going to react the same to the same stimulus in the economy" Season 2 Episode 23 Aired 6/6/15 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

Reenergize Your IRA | S.6 Ep. 8

2110
00:25:26
30.08.2020

Are you blindly depositing money into your retirement accounts, but have no idea how to make the most of your investments? Financial professionals Joe Anderson and Alan Clopine take you through the steps to reenergize your IRA. From Roth IRA backdoor door conversions to qualified charitable distribution or QCD, they'll guide you through the steps to help you make the most of your retirement funds. Important Points: (00:59) – Average Retirement Account Balances (01:51) – Reenergize Your IRA -ABC’s of IRAs -Maximizing Your Contributions -Saving Taxes in Retirement -Recent Changes (02:42) – Who Can Contribute to an IRA? (04:04) – How Much You Can Contribute to an IRA and 401(k)? (06:26) – What Investments are Available for an IRA? (10:33) – Potential Contributions to Both a 401(k) and IRA (12:00) – Future Retirement Savings at Maximum Contributions (12:59) – Tax Savings Strategies (17:50) – Qualified Charitable Distribution – Donating Directly to Charity from Your IRA (20:05) – Required Minimum Distributions (RMD) (22:30) – Ask the Experts (24:00) – Pure Takeaway: IRA Recall -ABC’s of IRA -Max Out Your IRA -Tax Savings Strategies -Recent Changes 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.

Steady Stream of Retirement Income: How to Increase Your Income

1361
00:03:25
09.08.2019

You've planned and saved for retirement for years but your expenses still outpace your savings. How would you like to have a steady stream of income for life without winning the lottery? Financial professionals Joe Anderson and Alan Clopine give you strategies you can use to produce additional income at any age. 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

365-Day Countdown To Retirement: Steps To Take Before You Quit Your Day Job

802
00:03:27
10.05.2019

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: 🤍 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

House of Representatives Tax Reform: What the Bill Means for You

705
00:05:16
17.11.2017

The House of Representatives passes a nearly $1.5 trillion dollar tax reform package that promises to overhaul corporate and personal taxes. But what does that mean for you. Financial expert Alan Clopine breaks down the package and gives some insight on how it could impact your tax planning. Learn more on this podcast episode: 🤍 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

How Financially Fit Are You?

193
00:02:31
27.01.2016

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

The Solo 401(k)

108
00:01:11
18.01.2015

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.

Tax Talk: Proposed New Tax Brackets

987
00:01:11
20.11.2017

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

Avoid A Retirement TKO: Creating a Retirement Plan

707
00:06:01
07.06.2019

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. 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

Ask The Experts: Risks In Retirement

1121
00:03:31
30.10.2019

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. 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

Charitable Giving That Gives Back: Donor Advised Funds

720
00:02:22
16.04.2019

Looking for ways to decrease your tax bill while helping charities you have a heart to help? Financial professionals Joe Anderson and Alan Clopine discuss charitable giving strategies including the benefits of donor-advised funds. Transcript: Joe: Now, what a donor-advised fund is it allows you to again bunch those overall deductions. So, you're the donor, right. So, you're going to give to this fund. This is like a little quasi, old school like an endowment, right. But it doesn't cost you a ton of money to set up it's just an account. So, I'm going to put some money in this donor advised fund. Maybe I'd like to give $5,000 a year, but I'm in a big tax year, so I'm going to give $50,000 in one year I'm going to get that $50,000 tax deduction the year I put the money in the donor-advised fund. But then I will give to the charity at my leisure, whenever I want to. All right, so maybe I give that $5,000 out over the next several years so I can control this money I can invest this money how I choose it and I can dole it out to the charity when I choose to. So, I'm getting a large tax deduction the year I put the money into this donor advised fund but I still control it. I can dole it out to these charities when I wish. So, it's another phenomenal strategy if you're looking to create a large tax deduction and still give to the charities when you choose to. Alan: Yeah, I think so too Joe and better than giving cash is actually giving appreciated stock. Now we're combining strategies. Give your appreciated stock directly to the donor-advised fund, and you get the deduction for what the stock is worth, and you don't pay any taxes. Joe, another thing people can do, and this is when they want to have a benefit as well as giving to the charity. There's ways to split that gift, and the first one is what's called a charitable gift annuity. So, you can actually give money to charity, not all charities do this, but many do. And so, what happens it's just kind of like an annuity where you give a lump sum, and you get a payment stream back. Now what happens is part of that lump sum is actually going to go for the benefit of charity, and you will get a tax deduction for that piece of that lump sum, but then money will come back to you. My parents actually did this a few years ago, and they are still enjoying income each and every year and knowing they benefited the charity of their choice. Joe: Yeah, great point is say, all right well here I can give a nice lump sum, I get a tax deduction, and then that charity is going to give me a stream of income, and if I want some guaranteed income with a decent interest rate, hey this could be an option for you. 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

Charitable Giving That Gives Back: Bunching

177
00:02:29
19.04.2019

Can bunching impact how much money you owe Uncle Sam? New tax laws could reduce the amount of a tax deduction you receive for your charitable giving this year. Financial professionals Joe Anderson and Alan Clopine give you strategies to make the most of the money you give to help support nonprofits. Transcript: Joe: The new tax law changed everything. So, bunching is going to be a little bit more important to a lot of you than ever before. And I think I guess the term bunching means this; before for medical deductions, right. So, you wanted a bunch those medical deductions. So, if you're going to get a hip replacement, might as well get your knees replaced and do a bunch of dental work because all of that then potentially could be deducted on your tax return. Now the same is true in regards to your overall charitable giving because the laws change you can no longer write off all of your state taxes if you live in a high state, where they have high state taxes. $10,000 is the limit. So, a lot more people are going to be filing the standard deduction than they would be itemizing. And so, they're not going to feel that warm and fuzzy by saying, “hey, I'm going to give this $5,000 to the charity.” Guess what? You're not going to be able to write it off because the standard deduction is higher. So, you're not going to be able to itemize. Alan: Yeah in most cases the standard deduction doubled. So, let's take a look at example to kind of illustrate this. So, we've got a 2017 example of someone that has itemized deductions taxes of $20,000, charity $10,000, miscellaneous $10,000. So, that's $40,000 of deductions in 2017. They definitely got to itemize because it's above the $12,700. But now you look at the same taxpayer in 2018. Taxes are limited to $10,000. You still got the charity, but there's no miscellaneous. So, now you get deductions $20,000 itemized deductions, or standard deductions 24,000. That person gave, but they didn't get any benefits, Joe. Joe: Right. And so, it's like well that stinks. I mean it was great that you gave, but a lot of us is like well here I feel good to see that on my tax return. So, here's what you do, you just bunch those deductions. Instead of giving $10,000 give $20,000 in one year. So, now you're over that threshold next year you don't give any gifts because you doubled up those gifts in one year. And then here's something that you might want to consider, instead of saying hey I'm going to give you two gifts right here, here's your $20,000. Maybe you do it in January and then again in December in the same year. So, the charity feels like you gave two gifts for two separate years, but on your tax return, it's only one year. So, bunching up your charitable deductions is probably going to be key. If you can no longer itemize your deductions. 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

Protecting Your Retirement Income S.6 | Ep.16

6244
00:24:11
27.12.2020

If you are approaching retirement or you are already there, it is critical to think about protecting your savings to make sure you have enough income throughout your retirement years. Financial professionals Joe Anderson and Alan Clopine guide you through ways to protect your savings and help you enjoy your retirement without worrying about money. Special guest Brian Perry, the Director of Research from Pure Financial Advisors discusses why 100% safe assets don't work for most people. Important Points: (01:09) – Probable Life Expectancy of a 65-Year Old (02:21) – Protecting Your Retirement Income -Don’t withdraw too much from savings -Have a plan for health care costs -Position your investments for conservative growth -Don’t forget inflation & taxes (03:20) – Reality Check on Your Retirement Income Plan (05:15) – 4% Rule (08:09) – Improving Your Income Plan After Retirement (09:19) – Healthcare Costs (09:55) – Four Ways to Pay for Long-Term Care (10:50) – Growing Your Retirement Portfolio (17:07) – Inflation (18:56) – Tax Triangle (20:34) – Ask the Experts (23:10) – Pure Takeaway: Protecting Your Retirement Income   -Do not overspend your retirement assets -Create a plan for health care costs -Invest for conservative growth -Don’t forget about inflation and taxes 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.

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