Asset Location & Roth Conversion Retirement Spitball | YMYW Extra - 1
Description
Sunshine in Orange County has been waiting patiently since January for a full Retirement Spitball Analysis: how are her assumptions for rates of return and inflation, her plans for Roth conversions, her asset allocation and asset location, her tax planning, her retirement income and retirement spending plans, and so much more? What missed opportunities is she overlooking?
So many excellent Retirement Spitball requests have come in that Your Money, Your Wealth® hosts, Joe Anderson CFP®, and Big Al Clopine CPA can't handle them all.
On these bonus episodes, called YMYW Extra, producer Andi Last enlists the help of the experienced professionals on Joe and Big Al's team at Pure Financial Advisors. In today's YMYW Extra number 1, thanks to David Cook, CFP® from Pure Financial's San Diego headquarters, Sunshine finally gets her Retirement Spitball Analysis. Free financial resources and transcript: https://bit.ly/ymywe-1
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Timestamps:
00:00 - Intro
02:35 - Rate Assumptions
05:58 - Retirement Spending
06:54 - Retirement Income Strategy
12:08 - Retirement Planning: Asset Allocation vs. Asset Location
15:50 - Sequence of Returns Risk
17:53 - Social Security Tax Torpedo
20:01 - Goals & Questions
22:50 - Other Strategies: Qualified Charitable Distributions
24:23 - IRMAA & Tax Optimization
26:37 - Likelihood of Success & DIY Tools