Today on Your Money, Your Wealth® podcast 403 with Joe Anderson, CFP® and Big Al Clopine, CPA, following the Fed’s fourth consecutive interest rate hike last week, should you be changing your investing strategy to time this inflationary market, moving from bonds to 3-year annuity CDs? Plus, Joe and Big Al spitball on asset location and Roth conversions for the in-laws, and a net unrealized appreciation (NUA) strategy for company stock in a 401(k). They also discuss whether extra home mortgage payments are part of an investment portfolio, and what real estate expenses are tax deductible. Show notes, free financial resources, transcript, Ask Joe & Big Al On Air:

00:00 – Intro
00:48 – Inflation Investing Strategy: 3-Year Annuity CD Vs. Bonds
12:58 – How to Invest When Inflation is Raging – Read the Blog:

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13:24 – Net Unrealized Appreciation NUA Strategy for Company Stock in My 401(k)? (Bob, Medina, OH)
20:24 – Should In-Laws Change Their Asset Location and Do Roth Conversions? (Tim, NJ)
31:33 – Register for the free End of Year Tax Planning webinar, Wed Nov 16, 12pm Pacific:

– Download the companion Guide to End of Year Tax Strategies:

32:12 – Are Extra Home Mortgage Payments Part of an Investment Portfolio? (Lee, Jacksonville)
37:10 – Are These Real Estate Expenses Tax Deductible? (Chris, Edina, MN)
41:14 – The Derails

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IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor.
• Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.
• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.
• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
CFP® – The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation.
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.
#inflation #AssetLocation…(read more)

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Inflation Investing, Asset Location, and Real Estate: A Winning Combination for Retirement

As we inch closer to retirement, it becomes increasingly important to ensure that our hard-earned savings are protected from the claws of inflation. Inflation, the relentless rise in the prices of goods and services over time, can erode the purchasing power of our money and pose a serious threat to our financial security. To combat this, it is crucial to explore investment strategies that can help us stay ahead of inflation, one of which is inflation investing.

Inflation investing involves allocating a portion of one’s portfolio to assets that typically perform well during inflationary periods. These assets include inflation-protected bonds, commodities like gold and silver, and equities of companies that have a history of maintaining their prices in the face of rising inflation. By incorporating these assets into our investment plan, we can potentially offset the negative effects of inflation on our nest eggs.

Another aspect of retirement planning that should not be overlooked is asset location. Asset location refers to the strategic placement of different types of investments in various account types, such as taxable, tax-deferred, and tax-free accounts, to maximize tax efficiency. This can have a significant impact on our overall returns, especially in retirement when we may be relying on our investments for income.

Real estate, a tangible and income-generating asset class, can be a particularly advantageous component of asset location for retirees. By owning investment properties, retirees can not only benefit from potential appreciation but also enjoy consistent rental income that can act as a hedge against inflation. Furthermore, real estate investments held within a tax-advantaged account, such as a self-directed IRA or a solo 401(k), can provide additional tax benefits, potentially reducing the tax burden on rental income and capital gains.

However, real estate investing requires careful consideration and due diligence. It is essential to thoroughly research potential markets, evaluate the property’s cash flow potential, and consider ongoing expenses such as property management, maintenance, and taxes. Working with experienced professionals, such as real estate agents or property managers, can help retirees navigate the nuances of property ownership and ensure a smooth investment experience.

While inflation investing and real estate can play vital roles in retirement planning, they should not be the sole focus. A well-diversified portfolio should incorporate a range of asset classes, including stocks, bonds, and cash, to manage risk effectively. Maintaining a diversified approach can help retirees weather market fluctuations and ensure that their investment plan remains resilient over time.

It is crucial to note that each individual’s financial situation and risk tolerance may differ, and consulting with a qualified financial advisor is always recommended. A financial advisor can help identify investment strategies and devise a comprehensive retirement plan tailored to one’s unique goals and circumstances.

In conclusion, planning for retirement requires a multifaceted approach that considers various investment strategies and asset location. Investing in assets that can outpace inflation, such as inflation-protected bonds, commodities, and inflation-resistant equities, can be an effective way to preserve wealth. Additionally, strategically locating investments, including real estate, in tax-efficient accounts can optimize returns and minimize taxes. By incorporating these strategies into our retirement plan, we can take meaningful steps towards achieving our financial goals and enjoying a comfortable retirement.