Learn from Pure Financial’s Tax Planning Manager Amanda Cook, CPA, Esq., how Roth conversions, tax loss harvesting, tax gain harvesting, the Backdoor Roth IRA, net unrealized appreciation, and charitable giving strategies such as a donoradvised fund can help you reduce your tax liability, and which of these strategies fit your specific needs and goals.

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00:00 Intro & Tax Filing Deadlines
02:09 Tax Terms
08:43 Retirement Saving Strategies: Tax Diversification
14:20 401(k) Balances By Age
15:10 Retirement Plan Options: 401(k), IRA, selfemployed solo 401(k) & SEP IRA
Audience Questions
25:12 Please explain the Roth 5year rules.
27:15 Should I wait to do Roth conversions until retirement when I'm in a lower tax bracket?
35:36 2024 Tax Rates & Capital Gains Rates
37:50 Filling Up the Tax Bracket with Roth Conversions
 39:27 When Not to Do a Roth Conversion
Tax Planning Tips
42:14 Tax Loss Harvesting
43:49 Tax Gain Harvesting
44:28 Backdoor Roth IRA
45:33 Net Unrealized Appreciation
47:14 Charitable Giving: Donor Advised Funds
50:01 Schedule a Tax Reduction Analysis
Audience Questions
51:03 Should you take a required minimum distribution at the beginning or end of the year?
52:02 Does rental income count as qualified income for contributing to a traditional IRA?
52:38 Do you need employment income to do a Roth conversion?
53:08 Does each Roth conversion have its own 5year clock?
55:03 Should you withdraw from Roth or pretax accounts first in retirement?

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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 As rules and regulations change, content may become outdated.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.
Esquire (Esq.) is an honorary title that is placed after a practicing lawyer's name. Practicing lawyers are those who have passed a state's (or Washington, D.C.'s) bar exam and have been licensed by that jurisdiction's bar association.
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.