Growing your wealth and crafting the lifestyle you want in retirement begins with some basic assumptions. Are you basing your entire financial plan on facts or fiction? Many people don’t even know where to start, much less what is true or false. In many cases, the misconceptions are largely considered facts! In this episode, Joe Anderson, CFP®, and Big Al Clopine, CPA separate the facts from the fiction in four key areas of retirement so you can have confidence in your financial plan.

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Financial Facts vs. Fiction
• Investing
• Social Security
• Medicare
• HSA Accounts

0:00 - Intro
1:45 - Financial Facts vs. Fiction
2:21 - Power of Compounding
3:51 - Investing Small Amounts Can Pay Off
5:09 - Returns by Asset Class
5:45 - Download: Retirement Readiness Guide
8:07 - True/False: Social Security benefits are not taxed.
8:58 - Social Security Benefits Are Taxable
11:49 - Delaying Social Security Benefits Pays Off
14:21 - Expected Health Care Costs Increase
15:19 - Download: Retirement Readiness Guide
16:11 - True/False: Contributions to HSA accounts are not allowed once you receive Medicare
17:48 - Health Savings Accounts Contribution Limits
19:05 - Ask the Experts: My wife is 63 and wants to start taking her Social Security benefits. Will that impact my benefits if I wait until I’m 70 to claim mine?
20:42 - Ask the Experts: How do I decide what type of investments are right for an HSA account? Do you do the same type of risk assessment as your other investment accounts?
22:09 - Pure Takeaway
22:40 - Download: Retirement Readiness Guide

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.

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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. As rules and regulations change, content may become outdated.
• 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.
AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually 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.

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