Today on Your Money, Your Wealth® podcast 408 with Joe Anderson, CFP® and Big Al Clopine, CPA: asset location strategies, liquidity, and building up tax-free Roth IRA money when retiring early, how growth is taxed in taxable accounts, pros and cons of rolling an employer retirement plan into a traditional IRA, how stock futures are determined and why stock price matters, and buying 8-week treasuries. And, if you’re planning to make a killing on eBay or at your next garage sale, the fellas get into the weeds on how to maximize your tax savings. Show notes, free financial resources, transcript, Ask Joe & Big Al On Air:

00:00 – Intro
00:56 – Comment: Finished Binge-ing Every Episode! (Mark)
02:39 – How Are Stock Futures Determined? Why Does Stock Price Matter? (Michael)
08:05 – Asset Location: Should We Save $70K/Year to Roth IRA Before Early Retirement? (Renee, Nashville)
18:25 – Why Asset Location Matters:

20:29 – Pros and Cons of Employer Retirement Plan to IRA Rollover (John, TX)
24:38 – How to Maximize Tax Savings When Selling Old Junk at a Loss? (Daniel, Ohio)
28:38 – Free financial resources:
Charitable Giving Guide:

End of Year Tax Strategies Guide:

29:22 – Should My Wife Open a Roth and Start Doing Conversions? (Buddy, San Diego)
35:32 – How is Taxable Account Growth Taxed? Should I Buy 8-Week Treasuries? (Jerry, Boca Raton, FL)
37:50 – Blog – How 9 Podcast Growth Strategies Yielded a 535% Increase in Downloads:

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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….(read more)

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