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401(k) Ins & Outs, Roth Conversion Benefits, and Divorce Finances

Should Erik contribute to pre-tax retirement accounts or Roth post-divorce? How should the Birdman and his soon-be-ex time the sale of their house and the filing of their taxes? That’s today on Your Money, Your Wealth® podcast 469 with Joe Anderson, CFP® and Big Al Clopine, CPA. Don has questions about the 401(k) rule of 55 and excess 529 plan college savings. Valerie wants to know what to do with her old 401(k), and how to invest her new retirement accounts. An advisor tells K-Dog to save cash or open a Roth, then live on those funds and get free ACA Obamacare healthcare in early retirement. Is that really possible? What should be Laura’s sequence of retirement withdrawals, and is there any benefit to her doing Roth conversions? Should RJ convert his or his wife’s rollover IRA to the top of the giant 24% tax bracket? Free financial resources, episode transcript, Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-469 00:00 - Intro 01:06 - 401(k) Rule of 55 and Excess 529 Plan Funds (Don, Everywhere, USA) 06:03 - What to Do With Old 401(k) and How to Invest New Retirement Accounts? (Valerie, Portland, OR) 10:33 - 10 Steps to Improve Investing Success - free download: https://purefinancial.com/white-paper... Protecting Your Retirement Income - YMYW TV: https://purefinancial.com/ymyw/episod... 11:39 - Is My Early Retirement Spending & Free Healthcare Plan Really Possible? (K-dog, Northern IN) 22:13 - Should I Contribute to Pre-Tax or Roth Post-Divorce? (Erik, Minneapolis) 28:27 - How to Sell House and File Taxes While Finalizing Divorce (OC Birdman in South OC) 32:27 - Q1 2024 Financial Markets Update Webinar, Feb 28, 2024, 12pm Pacific - register now: https://purefinancial.zoom.us/webinar... 33:07 - What’s the Sequence of Retirement Withdrawals? I Don’t See the Benefit of Roth Conversions (Laura, Seattle - Olympic Peninsula) 40:42 - Roth Conversion to the Top of the Giant 24% Bracket? Which Rollover to Convert First? (RJ, Anaheim) 49:09 - The 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. Schedule a free assessment with an experienced financial professional: http://bit.ly/PureAssessment Office locations: https://bit.ly/PureLocations Ask Joe & Big Al On Air: https://bit.ly/AskJoeAndBigAl Subscribe: http://bit.ly/YMYW-YT Follow the YMYW podcast: https://lnk.to/ymyw 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 CFP Board of Standards, Inc. To attain the right to use the CFP® mark, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. 30 hours of continuing education is required every 2 years to maintain the certification. 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.