FDIC vs. SIPC, Annuities, SSDI & Early Retirement Strategies #RetireEarly #SocialSecurity
1.5 هزار بار بازدید -
2 ماه پیش
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Will building a new home
Will building a new home delay Janelle's early retirement? Can Mike and his wife retire early at ages 50 and 55, and how much should they convert to Roth? Maria and her partner keep their finances separate - can Maria cover her own expenses in early retirement? That’s today on Your Money, Your Wealth® podcast 482 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, the fellas explain the difference between FDIC insurance and SIPC insurance for Edward, who wonders if he should spread his assets between banks for protection. Fajita Willy needs a spitball on his MYGA (multi-year guaranteed annuities) retirement strategy. Nancy wants to know if mandatory seismic retrofit expenses are tax-deductible. And how should Lee manage Roth contributions and IRMAA now that his Social Security disability has finally been approved and he’s received 5 years of back pay? Free financial resources and transcript: https://bit.ly/ymyw-482
Retirement Readiness Guide: https://purefinancial.com/white-paper...
EASIretirement.com calculator: https://purefinancial.com/easi-retire...
Financial Planning at Every Age: Retirement Planning for Millennials, Gen-X, and Baby Boomers - YMYW TV: https://purefinancial.com/ymyw/episod...
Ask Joe & Big Al On Air for your Retirement Spitball Analysis: https://purefinancial.com/ymyw/ask-jo...
Schedule a free financial assessment: https://purefinancial.com/lp/free-ass...
00:00 - Intro
01:02 - Will Building a New Home Delay My Early Retirement?
07:35 - Should I Spread Assets Between Banks for FDIC Insurance?
13:16 - Multi-Year Guaranteed Annuity Retirement Spitball
21:09 - Is the Mandatory Seismic Retrofit Expense Tax-Deductible?
22:47 - I’ve Received 5 Years of Back SSDI Pay. How to Manage Roth IRA Contributions and Medicare IRMAA?
28:33 - Can We Retire Early Next Year at Ages 55 and 50? How Much Should We Convert to Roth?
34:57 - We Maintain Separate Finances. Can I Cover My Own Expenses in Early Retirement?
42:06 - Derails
Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Office locations: https://bit.ly/PureLocations
Subscribe to the podcast: https://link.chtbl.com/ymyw?sid=y
IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor.
• Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.
• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. As rules and regulations change, content may become outdated.
• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
CFP® - The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation.
CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.
Retirement Readiness Guide: https://purefinancial.com/white-paper...
EASIretirement.com calculator: https://purefinancial.com/easi-retire...
Financial Planning at Every Age: Retirement Planning for Millennials, Gen-X, and Baby Boomers - YMYW TV: https://purefinancial.com/ymyw/episod...
Ask Joe & Big Al On Air for your Retirement Spitball Analysis: https://purefinancial.com/ymyw/ask-jo...
Schedule a free financial assessment: https://purefinancial.com/lp/free-ass...
00:00 - Intro
01:02 - Will Building a New Home Delay My Early Retirement?
07:35 - Should I Spread Assets Between Banks for FDIC Insurance?
13:16 - Multi-Year Guaranteed Annuity Retirement Spitball
21:09 - Is the Mandatory Seismic Retrofit Expense Tax-Deductible?
22:47 - I’ve Received 5 Years of Back SSDI Pay. How to Manage Roth IRA Contributions and Medicare IRMAA?
28:33 - Can We Retire Early Next Year at Ages 55 and 50? How Much Should We Convert to Roth?
34:57 - We Maintain Separate Finances. Can I Cover My Own Expenses in Early Retirement?
42:06 - Derails
Pure Financial Advisors, LLC is a fee-only Registered Investment Advisor providing comprehensive retirement planning services and tax-optimized investment management to thousands of people across the nation. Office locations: https://bit.ly/PureLocations
Subscribe to the podcast: https://link.chtbl.com/ymyw?sid=y
IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor.
• Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.
• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. As rules and regulations change, content may become outdated.
• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
CFP® - The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation.
CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.
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