Should Erik contribute to pretax retirement accounts or Roth postdivorce? How should the Birdman and his soonbeex 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 KDog 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/ymyw469

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/whitepaper...
Protecting Your Retirement Income YMYW TV: https://purefinancial.com/ymyw/episod...
11:39 Is My Early Retirement Spending & Free Healthcare Plan Really Possible? (Kdog, Northern IN)
22:13 Should I Contribute to PreTax or Roth PostDivorce? (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

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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 oneyear 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.