Today on Your Money, Your Wealth® podcast 463 with Joe Anderson, CFP®, and Big Al Clopine, CPA, We’re revisiting your favorite topics and Derails of 2023 in this Roth and #retirementinvesting mega-episode. Safe investing when you’re risk averse, mutual funds vs. ETFs, stable value funds, and estimating retirement income needs when you’re a young saver with a pension made the YMYW best of 2023 on the investing side. On the Roth side, what to do when there’s too much money in your traditional IRA, whether Roth conversions are really as good as they sound, and who’s right about the Roth conversion strategy, our listener or his advisor? Podcast show notes, free financial resources, episode transcript: https://bit.ly/ymyw-463

Check the timestamps for original episode where each question appeared, and where that episode was most popular for YMYW in 2023:

00:00 - Intro
01:05 - How to Safely Invest and Protect $400K When You’re Risk Averse (Tyler, OH - ep. 425, YouTube)
07:43 - Stable Value Fund Vs. Brokerage Account for Living Expenses? (Sharon, Waukesha - ep. 424, Apple Podcasts)
16:03 - Ask Joe & Big Al for your Retirement Spitball Analysis:
https://purefinancial.com/ymyw/ask-jo...
17:02 - Mutual Funds vs. ETFs in a Tax-Advantaged Account? (Midwestfabs, St Paul, MN - ep. 420, Spotify)
23:40 - How Should Young Savers Invest Pensions and Estimate Retirement Income Needs? (Adam, Oregon - ep. 413, Spotify)
28:41 - Emotionless Investing Guide - limited time special offer! Download by this Friday: https://purefinancial.com/ymyw/#ymyw-...
Emotional Investing - YMYW TV: https://purefinancial.com/ymyw/episod...
29:43 - I’m Not Sure Roth Conversions Are as Good as They Sound! (Christine, Seattle - ep. 440, Apple Podcasts)
39:31 - Who’s Right About My Roth Conversion Strategy, Me or My Financial Advisor? (Brad, Sarasota, FL - ep. 409, 12/22, YouTube)
48:32 - Ultimate Guide to Roth IRAs - free download: https://purefinancial.com/white-paper...
49:17 - We Have Too Much in Traditional IRA. How's Our Roth Conversion Plan? (Kelly, Idaho - ep. 423, YouTube)
01:00:59 - Best 2023 YMYW 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.

Get a free assessment: http://bit.ly/PureAssessment
Office locations: https://bit.ly/PureLocations
Subscribe to our YouTube channel: http://bit.ly/YMYW-YT
Subscribe to the Your Money, Your Wealth® 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.
• 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.