Your Money, Your Wealth
Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors
1 Creator
1 Creator
9 Listeners
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Top 10 Your Money, Your Wealth Episodes
Goodpods has curated a list of the 10 best Your Money, Your Wealth episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to Your Money, Your Wealth for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite Your Money, Your Wealth episode by adding your comments to the episode page.
Does Your Financial Advisor Just Want to Collect Fees? - 473
Your Money, Your Wealth
03/19/24 • 46 min
Why would a financial advisor suggest that Frank in Lake Wobegon sell a piece of inherited property, pay 25% tax, and invest the lump sum? Mark in Florida is 72 and invested in CDs. Should he go back to his financial advisor, or just buy more CDs? That’s today on Your Money, Your Wealth® podcast 473 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Adam in Tennessee will have deferred income in 5 years. Should his asset allocation be more conservative? And in order to retire early at age 55, should Lewis in Arkansas delay starting Roth conversions? But first, if Mike’s wife outlives him, how can he keep her in a similar tax bracket? Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-473
Timestamps:
- 00:00 - Intro
- 00:48 - If My Wife Outlives Me, How Do We Keep Her in a Similar Tax Bracket? (Mike)
- 06:49 - Long Term Capital Gains: Retirement and Real Estate Spitball (Frank, Lake Wobegon)
- 15:58 - 10 Tax-Cutting Moves to Make Now - YMYW TV
- Top 10 Tax Tips - free download (for a limited time only!)
- 2024 Tax Planning webinar
- 17:04 - I’m 72. Should I Go Back to an Advisor or Just Buy More CDs? (Mark, FL)
- 21:32 - Should My Deferred Income Asset Allocation Be More Conservative? (Adam, Franklin, TN)
- 30:16 - Investing Basics Guide - free download
- 31:13 - Should We Delay Starting Roth Conversions to Retire Early by Age 55? (Lewis, AR)
- 41:11 - The Derails
4 Listeners
When Will You Be Able to Retire? - 438
Your Money, Your Wealth
07/18/23 • 31 min
Steven has got "one more year" syndrome. Can he retire at age 65? Today on Your Money, Your Wealth® podcast 438, Joe and Big Al spitball retirement for him, and for MB - can she and her husband live comfortably if she retires at age 591⁄2? And for Johnny - does he have enough to fill the gap until retirement, and should his dad do Roth conversions before Johnny inherits his wealth? Is Austin maximizing his future gains by saving to his 401(k) at age 29, rather than his Roth IRA? But first, how can Mike and his wife leave their kids a lower tax bill when they pass?
Timestamps:
- 00:45 - How to Leave the Kids a Lower Tax Bill When We Pass? (Mike, Boerne, TX - voice)
- 04:24 - I Have "One More Year" Syndrome. Can I Retire at 65? (Steven, Exton, PA)
- 08:30 - Can We Live Comfortably If I Retire at 591⁄2? (MB, Louisville, KY)
- 12:49 - Do I Have Enough to Fill the Gap Until Retirement? Should Dad Convert My Inheritance to Roth? (Johnny, El Dorado, CA)
- 21:49 - Am I Maximizing Future Gains By Saving to Pre-Tax 401(k)? (Austin, Naples, FL)
- 29:42 - The Derails
Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-438
- Retirement Lifestyles Guide
- Register for the Q3 Financial Markets Outlook live webinar, July 26, 2023, 12pm PT / 3pm ET
- Episode Transcript
- Ask Joe & Big Al On Air
3 Listeners
Personal Finance 101: How to Teach Teens About Money - 465
Your Money, Your Wealth
01/23/24 • 46 min
How and what should we teach teenagers about money, to make the next generation financially literate? That’s what CJ in Philadelphia and Teresa want to know, today on Your Money, Your Wealth® podcast 465 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Hap and Bee have a military pension and VA disability - Joe and Big Al spitball on when they’ll be able to retire, and what they need to do to get there. And they spitball on whether Grace in Seattle is on track to retire early at age 55. David and Victoria in Grand Rapids, Michigan are killing the game - in their early 30s with $400,000 income and over a million saved. When should they start funding the traditional retirement accounts instead of the Roth accounts? And, find out how the first annual Anderson Household Financial Summit went!
Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-465
Timestamps:
- 00:00 - Intro
- 00:53 - Financial Guidance for Teenagers (CJ, Philadelphia - voice)
- 07:43 - How to Start a Finance 101 High School Course? (Teresa)
- 13:12 - EASIretirement.com - free retirement calculator
- 14:18 - Military Spitball: When Will I Be Able to Retire (Hap & Bee, CA)
- 22:56 - Anderson Family Financial Summit
- 26:03 - Spitball If I Can Retire Early at Age 55 (Grace, Seattle)
- 33:02 - 10 Will & Trust Mistakes to Avoid | Estate Planning - YMYW TV
- Estate Plan Organizer and Survivor’s Guide - free download
- 33:51 - Killing it at 34, When to Consider Contributing to Traditional IRA? (David & Victoria, Grand Rapids, MI)
- 44:43 - The Derails
2 Listeners
Choosing the Right Investments for You - 512
Your Money, Your Wealth
01/14/25 • 36 min
What is the risk with BDCs, or business development company funds? Edward in Illinois wants to know. Do Pebbles and Bam Bam in Kentuckystone have too much invested in T-bills? Are mutual funds or ETFs a better place for them to invest qualified money in the decumulation phase? Is there a difference between a traditional IRA and a rollover IRA? And Keith in Connecticut is 34 and wants a spitball on whether his investments are appropriate for his time horizon, today on Your Money, Your Wealth® podcast number 512 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Gus in Philly needs a withdrawal strategy for his dad’s multi-year guaranteed annuities (MYGAs). Speaking of MYGAs, YouTube viewer Ken thinks everyone should invest in MYGAs and bonds, and nobody should ever pay a financial advisor. What do Joe and Big Al think? And finally, comments on your state of residence for tax purposes from Greg, the prorated sale of a primary residence, and bonds vs. pension from Keith, and 7SideWays tells the fellas to focus on PERMA already - but what is it?
Access free financial resources and the episode transcript: https://bit.ly/ymyw-512
LIMITED TIME OFFER: DOWNLOAD The DIY Retirement Guide before the Special Offer changes on Friday January 17, 2025!
SCHEDULE your Free Financial Assessment
ASK Joe & Big Al for your Retirement Spitball Analysis
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
WATCH educational videos
SUBSCRIBE YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:09 - What’s the Risk with Business Company Development (BDC) Funds? (Edward, IL)
04:04 - T-Bills, Decumulation, IRAs, and Investing Strategies (Pebbles & Bam Bam, Kentuckystone)
11:21 - LIMITED TIME OFFER: Download the DIY Retirement Guide by Friday, Jan 17, 2025!
12:24 - I’m 34. Are My Investments Appropriate for My Time Horizon? (Keith, CT)
18:22 - Multi-Year Guaranteed Annuity (MYGA) Retirement Withdrawal Strategy for Dad (Gus in Philly)
22:34 - Just Buy MYGAs and Bonds and Don't Pay an Advisor (comment from Ken, YouTube)
27:36 - Schedule a Free Financial Assessment with Pure Financial Advisors, Learn More about Pure's Fees and Services
28:47 - State Taxes vs. State of Residency (comment from Greg, Temecula)
30:17 - Favor Questions from People with Less than $6M Please (comment from Ed, YouTube)
31:08 - Prorated Sale of Primary Residence (comment from Keith, YouTube)
33:01 - $1M Bonds vs. $40K/yr Pension (comment from Keith, YouTube)
34:54 - Focus on PERMA Already (comment from 7SideWays, YouTube)
36:11 - YMYW Podcast Outro
2 Listeners
Defusing a Future Tax Bomb With Roth Conversions - 510
Your Money, Your Wealth
12/31/24 • 33 min
Does it make sense for Alex and his wife in Massachusetts to do Roth conversions now to the top of their eventual tax bracket? Steve in San Diego got serious about saving for retirement after Joe and Big Al gave him some tough love 5 years ago. Is he good to retire now, and should he convert to Roth? That’s today on Your Money, Your Wealth® podcast number 510 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, can Barbara in New Jersey’s grandson move excess 529 funds to a Roth and withdraw the money after 5 years? PWare has a cunning plan to gift appreciated stock to avoid capital gains tax, but will it work? Should Mike create a limited liability company for his rental properties? And finally, qualified charitable distributions don’t make sense to GetSmart Paul. Sherri in California wonders if her kids can inherit her savings account without any tax penalty, and whether there’s a safe, high-yielding investment she should put it in. And Houry in New York wonders if her IRA can fund a charitable remainder unitrust, or CRUT.
Access free financial resources and the episode transcript: https://bit.ly/ymyw-510
DOWNLOAD The Complete Roth Papers Package
DOWNLOAD The Retirement Readiness Guide
WATCH Retirement Pop Quiz: 18 Questions to Get You Ready to Retire on YMYW TV
LISTEN to Steve in San Diego's 2019 question
Al: "Maybe you gotta live in a trailer somewhere." Joe: "that side hustle, you better be able to do that in a wheelchair."
LISTEN to YMYW Podcast Best of 2021, 2022, and 2023
REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE: free financial assessment
SUBSCRIBE: YMYW on YouTube
DOWNLOAD: more free guides
READ: financial blogs
WATCH: educational videos
SUBSCRIBE: YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:08 - Should We Do Roth Conversions to Our Eventual Tax Bracket? (Alex, MA)
07:51 - YMYW Tough Love Made Me Get Serious. When Can I Retire? Should I Do Roth Conversions? (Steve, San Diego, CA)
14:11 - Download the Complete Roth Papers Package for free
14:59 - Can Grandson Withdraw 529 Funds From Roth After 5 Years? (Barbara, NJ)
18:37 - Can We Avoid Capital Gains Tax With This Appreciated Stock Gifting Strategy? (P Ware)
20:57 - Should I Create an LLC for Rental Properties? (Mike, voice)
23:00 - Qualified Charitable Distributions Don’t Make Sense to Me (GetSmart Paul, YouTube)
2 Listeners
What To Do With Your Employer-Sponsored Retirement Plan? - 449
Your Money, Your Wealth
10/03/23 • 44 min
What should Martin do about his outrageously fee-heavy 403(b) plan? Should EF hedge his pre-tax non-qualified 415 excess plan? What should Max do with his old TIAA plan, and what are the pros and cons of a cash balance defined benefit plan for self-employed people like Brent Money? Plus, Mike needs Joe and Big Al’s spitball on the highly compensated employee rule and excess 401(k) contributions, and the fellas explain how employee stock purchase plans are taxed for Big Cheese Bob the Tomato.
Timestamps:
- 00:55 - What to Do About My Outrageous Fee-Heavy 403(b)? (Martin, Miami, FL)
- 05:56 - Should I Hedge My Pre-Tax Non-Qualified 415 Excess Plan? (EF, Kansas)
- 14:25 - What to Do With My Old TIAA Retirement Plan? (Max, Seattle)
- 24:29 - Highly Compensated Employee Rule and Excess 401(k) Contributions (Mike, Castleton, NY)
- 29:16 - How Are Employee Stock Purchase Plans (ESPP) Taxed? (Big Cheese/Bob the Tomato)
- 32:26 - Cash Balance Plans Pros and Cons for Self-Employed (Brent Money, Bennington, NE)
- 40:52 - The Derails
Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-449
- Investing Basics Guide - free download
- Financial Boot Camp: Investing Basics - new from YMYW TV
- Episode Transcript
- Ask Joe & Big Al On Air for your Retirement Spitball Analysis
2 Listeners
Retirement Planning, Investing, and Tax Reduction Made Fun: YMYW Trailer
Your Money, Your Wealth
01/03/23 • 1 min
Welcome to Your Money, Your Wealth® podcast, with CERTIFIED FINANCIAL PLANNERTM professional Joe Anderson and Certified Public Accountant Alan "Big Al" Clopine.
Your Money, Your Wealth® is retirement planning, investing, and tax reduction made fun!
Follow YMYW on your favorite podcast app and share this trailer.
Visit YourMoneyYourWealth.com and click Ask Joe and Big Al On Air to get a Retirement Spitball Analysis of your own.
And hey, thanks for listening, because the show wouldn't be a show without you.
Your Money, Your Wealth® is presented by Pure Financial Advisors, a registered investment advisor. This show does not intend to provide personalized investment advice through this broadcast and does not represent that the securities or services discussed are suitable for any investor. Investors are advised not to rely on any information contained in the broadcast in the process of making a full and informed investment decision.
2 Listeners
Grow Your Wealth Tax-Free & Retire Sooner: YMYW Best of 2024 - 511
Your Money, Your Wealth
01/07/25 • 62 min
YMYW friends, welcome to 2025. Today on Your Money, Your Wealth® podcast number 511, we’re revisiting your favorite topics of 2024 as Joe Anderson, CFP® and Big Al Clopine, CPA spitball on strategies for building up tax-free retirement income in Roth accounts, determining your appropriate mix of taxable, tax-deferred, and tax-free savings (also known as tax diversification), and whether YMYW viewers and listeners can retire as soon as possible.
Access free financial resources and the episode transcript: https://bit.ly/ymyw-511
DOWNLOAD the 2024 Key Financial Data Guide for free
CALCULATE your Free Financial Blueprint
SCHEDULE your Free Financial Assessment
ASK Joe & Big Al for your Retirement Spitball Analysis
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
WATCH educational videos
SUBSCRIBE to the YMYW Newsletter
LISTEN to the Best of the YMYW Podcast 2021, 2022, 2023
LISTEN to the Top Funniest Moments from the YMYW Podcast Vol. 1, Vol. 2
Timestamps:
- 00:00 - Intro: This Week on the YMYW Podcast
- 00:59 - Can We Afford to Spend $120k/Year Inflation Adjusted in Retirement? (Joe & Angelina Jolie, Strawberry Plains, TN)
- From ep. 503: YMYW Most Plays in 2024 on Apple Podcasts, YMYW Most Streamed in 2024 on Spotify
- 08:14 - Can I Contribute to My Wife’s Roth IRA? Can I Max Out Multiple Roth Accounts? Should We Do Roth Conversions? (Theodore & Louise, Seattle, WA)
- From ep. 504: YMYW Most Consumed in 2024 on Apple Podcasts, YMYW Most New Subscribers in 2024 on YouTube
- 15:21 - Download the 2024 Key Financial Data Guide for free. Subscribe to the YMYW podcast, the YouTube...
2 Listeners
Why Would a Tax Advisor Discourage 529 Plan College Savings? - 452
Your Money, Your Wealth
10/24/23 • 40 min
Why does Becca in Florida’s advisor "poo-poo" her strategy for funding 529 plans for education? Keith, commenting on Spotify, wants to know about reimbursing yourself from a 529 plan for the scholarship amount used for education without penalty, and Wendy way up in New York wants to know if she should use retirement funds to pay for college and home renovations. Plus, what are the pros and cons of starting Roth conversions for Renee in Wisconsin, and is she on track for retirement? Will the IRS penalize Dan in Michigan for not paying Roth conversion tax in January? With the 5-year Roth clock, how does compounding interest work when Aaron in Ohio changes custodians? And Kirk in Iowa wonders how the Affordable Care Act tax credit works with dependents.
Timestamps:
- 00:55 - Why Doesn’t My Financial Advisor Want Me to Fund 529 Plans? (Becca, FL)
- 08:19 - Is 529 Plan Self-Reimbursement for Scholarships Okay? (Keith)
- 10:22 - Should We Use Retirement Funds to Pay for College and Home Renovations? (Wendy, way up in north NY)
- 18:11 - Pros and Cons of Starting Roth Conversions: Are We On Track for Retirement? (Renee, WI)
- 28:58 - Is the IRS Going to Penalize Me For Not Paying Roth Conversion Tax in January? (Dan, Milford, MI)
- 30:38 - Roth 5-Year Clock: Compounding Interest on Rolled Over Retirement Accounts (Aaron, OH)
- 32:19 - How Does the Affordable Care Act Tax Credit Work with Dependents? (Kirk, IA)
- 37:11 - The Derails
Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-452
- ABCs of College Funding - free download
- Money Saving Tips fro Funding College - YMYW TV
- How to Save for Education; 529 Plan, Coverdell, Prepaid Tuition and More - on-demand webinar
- Episode Transcript
- Ask Joe & Big Al On Air for your Retirement Spitball Analysis
1 Listener
Mutual Funds vs. ETFs, Bonds to Bourbon - 516
Your Money, Your Wealth
02/11/25 • 33 min
What are the benefits and differences between exchange-traded funds and mutual funds? Mike in Colorado wants to know. How should Lauren in Florida approach the fixed-income portion of her investment portfolio? Would a balanced fund be good for asset allocation in the decumulation phase for DJ in Missouri? Plus, Karen wants to make a one-time roulette investment. Should she hire a broker or do it herself? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on investing from the basics to the alternatives, today on Your Money, Your Wealth® podcast number 516. But first, something for YMYW’s legion of Old-Fashioned drinkers: find out how you can put your money where your mouth is with our special guest Jeremy Kasler, the founder and CEO of CaskX, making investing in whiskey and bourbon more accessible and transparent for investors.
Access free financial resources and the episode transcript: https://bit.ly/ymyw-516
DOWNLOAD The Investing Basics Guide
WATCH Financial Facts vs. Fiction: The Truth May Shock You! on YMYW TV
DOWNLOAD The Retirement Readiness Guide
WATCH the full interview with Jeremy Kasler of CaskX
ASK Joe & Big Al for your Retirement Spitball Analysis
CALCULATE your free Financial Blueprint
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
WATCH educational videos
SUBSCRIBE to the YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
00:55 - How to Invest in Bourbon and Whiskey with Jeremy Kasler, Founder and CEO of CaskX (watch the full interview exclusively on YouTube)
12:17 - Watch Financial Fact vs. Fiction: The Truth May Shock You! On YMYW TV, Download the Retirement Readiness Guide
13:09 - Big Al and Joe's Favorite Bourbons or Whiskeys
15:17 - ETFs vs. Mutual Funds Explained (Mike, CO)
18:34 - Bonds, Bond Funds, TIPs, CDs: Where to Invest for Fixed Income? (Lauren, FL)
21:47 - Download the Investing Basics Guide, Calculate your Free Financial Blueprint
22:54 - Is a Balanced Fund Good for Asset Allocation in the Decumulation Phase? (DJ, Missouri)
27:33 - One-Time Roulette Investment: Should I Hire a Broker or Do It Myself? (Karen)
31:46 - Outro: Next Week on the YMYW Podcast
1 Listener
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FAQ
How many episodes does Your Money, Your Wealth have?
Your Money, Your Wealth currently has 531 episodes available.
What topics does Your Money, Your Wealth cover?
The podcast is about Retirement, Investments, Investing, Income, Podcasts, Finance, Education, Realestate, Business and Stocks.
What is the most popular episode on Your Money, Your Wealth?
The episode title 'Does Your Financial Advisor Just Want to Collect Fees? - 473' is the most popular.
What is the average episode length on Your Money, Your Wealth?
The average episode length on Your Money, Your Wealth is 44 minutes.
How often are episodes of Your Money, Your Wealth released?
Episodes of Your Money, Your Wealth are typically released every 7 days.
When was the first episode of Your Money, Your Wealth?
The first episode of Your Money, Your Wealth was released on Feb 14, 2016.
Show more FAQ
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