How much of your money should you keep in cash? Should you buy VBK, the Vanguard Small-Cap Growth ETF? Plus, today on Your Money, Your Wealth® podcast #264 with Joe Anderson, CFP® and Big Al Clopine, CPA: asset allocation and asset location, the pros and cons of the Roth 401(k), Medicare, spousal and survivor Social Security benefits, tax-saving charitable giving, small business strategies, who qualifies to be called Joe Anderson’s “peer,” and whether you’d rather hang out with a James or a Jimbo. Send in money questions, read the transcript & access free financial resources:

00:54 – How Much Net Worth Should Be in Cash?
08:36 – Should I Buy VBK, Vanguard Small-Cap Growth ETF?
15:01 – Advantages & Disadvantages of Roth 401(k)
21:46 – Will How We File Our Taxes Affect My Wife’s Medicare Premium?
24:50 – Social Security Survivor Benefits: Will They Be Higher?
28:58 – Spousal Social Security: 50% of Age 70 or Full Retirement Age? Who is Right?
32:08 – How Does Our Social Security Retirement Strategy Look?
41:05 – Can I Move 401(k) to Traditional IRA for a Tax-Free Charitable Strategy? (Qualified Charitable Distributions)
43:14 – Follow Up: S-Corp Deductible IRA Contributions
45:50 – Self-Employed Home Business Tax Strategy

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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.

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