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Joe, Alan offer an innovative business model for financial planning that places the client first by design and eliminates the conflicts of interest inherent in traditional models.

Joe, Alan offer an innovative business model for financial planning that places the client first by design and eliminates the conflicts of interest inherent in traditional models.
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San Diego, CA


Joe, Alan offer an innovative business model for financial planning that places the client first by design and eliminates the conflicts of interest inherent in traditional models.






3131 Camino Del Rio North Centerside #2, Suite 1550 San Diego, CA 92108 1-877-222-6044


Opportunities, Challenges and Tricks Coming From Trump's New Tax Law - 150

Joe and Big Al weigh in on 10 retirement resolutions experts say you should make for 2018. We’ll learn some new opportunities, challenges and potential tricks coming out of President Donald Trump’s new tax law. We’ll find out the secrets to Big Al’s big wallet, and how Joe is unwillingly helping his boy Mikey cut expenses. And we’ll hear one of the rare instances when the fellas kinda butcher the answer to an estate planning question.

Duration: 01:05:46

How To Capitalize On The Goldilocks Economy in 2018 - 149

Brian Perry, CFP®, CFA® from Pure Financial Advisors recaps 2017's global Goldilocks economy. Will the bull run continue in 2018? Should we change our asset allocation to prepare our stock and bond portfolios for a market slow down? Are you properly allocated? What would Jim Cramer do, and should you care?! Plus, tax filing season is approaching, and Big Al’s Big Brain contains a whole bunch of stuff you need to know about the new tax law before you start working on those 1040s.

Duration: 01:08:44

How To Tailor Your Retirement Income Strategy - And Why You Need To - 148

Retirement nest eggs have become bigger, but fixed income rates of return are low. How do you create a cash flow? What strategy will allow your investment portfolio to provide income throughout your retirement? Joe and Big Al explain what matters when tailoring your own personal retirement income strategy. Plus, determining in which type of accounts you should have your retirement savings, from where you should withdraw your required minimum distributions, and whether any of it will matter...

Duration: 00:46:55

12 Things You Need To Know About Trump's New Tax Law - 147

How Trump’s new tax law, the Tax Cuts and Jobs Act, changes state and local tax deductions, brackets, the child tax credit, medical deductions, property taxes, mortgage deductions, home equity debt, charitable contributions, itemized deductions, alternative minimum tax, residential gain on sale exclusion and small business taxes. Plus, the top things no one tells you about retiring, Social Security claiming strategies, and do Roth TSP and Traditional TSP dollars "commingle?" And the Ghosts...

Duration: 01:03:30

Millennials Want A Flex Life Over Financial Peace - 146

Whitney Hansen, host of the Money Nerds podcast, tells Jason Thomas, CFP, how the financial needs, wants and goals of Gen Y and Gen Z are different than - well, ours. And, everything you know about investing for retirement is wrong and dangerous. At least, that’s what some newsletters would have you believe. Plus, Joe and Big Al discuss 5 reasons to pay off your mortgage - and five more reasons not to pay off your mortgage.

Duration: 01:00:06

What You Need To Know Before You Buy or Sell Gold - 145

Peter Hug from Kitco describes the four types of people that buy precious metals, how to best buy and sell silver and gold yourself, and whether these commodities are similar to cryptocurrencies like Bitcoin and Blockchain. Joe and Big Al talk permanent vs term life insurance and tax reform. Plus, holiday gift ideas to transform the quality of life for the retirees in your life: they get new tech, and you get your third grade report card and high school lettermen’s jacket.

Duration: 00:51:37

8 Ways To Avoid Holiday Debt Hangover & Save Big Cash - 144

Eight ways to save serious cash, so we can avoid the holiday debt hangover. (Can’t guarantee that you can avoid working out, though.) Plus, the latest tax reform news, and 8 ways to create tax free income. And is Joe going to start charging his dear sweet mother Ruthie rent when she comes to visit him from Minnesota?

Duration: 00:59:26

9 Retirement Tips If You Don’t Plan To Retire - 143

Retirement planning tips and benefits when you don’t plan to retire. Plus, how much should you have saved for retirement at different stages of life, how much has the average millennial saved, and the Roth 5 year clock: should you get married so you can take advantage of the fact that your new spouse's Roth is already over 5 years old? And, should you really be asking marriage advice of Joe and Big Al?

Duration: 00:49:20

Use These Tax Deductions Now, They May Be Gone In 2018 - 142

Recharacterizing your Roth conversion, getting that knee replacement, meeting with every client you have all across the country and more: Joe and Big Al cover many things you might want to do before tax laws potentially change in a big way come January 1. Also, Suze Orman thinks everyone should work until they’re 70 - we’ll find out what Walter Updegrave from and Money Magazine thinks about that, and we’ve got 20 retirement stats that will blow you away. Plus, Big Al...

Duration: 00:58:02

Trump Tax Cuts? False. Try Tax Increases. - 141

Actual news you can really use about the ever-changing landscape of tax reform, why Trump's promised biggest tax cuts ever are actually a tax increase for many of us, and how it will affect you. Those sneaky, sneaky Congresspeople. And Joe and Big Al have a yarn with Joe’s fair dinkum, true blue, Aussie fine arts painter mate, Pete Tillack, on finding your passions in life, couches at the bottom of swimming pools, and getting thrown out of Christmas parties.

Duration: 00:57:56

A Last Minute Feel-Good Way to Reduce Your 2017 Taxes - 140

Elaine Martyn from Fidelity Charitable explains how donor advised funds can help others and reduce your 2017 taxes. Retirement jitters, a retirement crisis, and 7 ways to teach your kids the value of saving for retirement to help them avoid both the jitters and the crisis. Plus, is there any way to undo rolling a 401(k) into a 403(b) annuity? And can Joe explain why a 60/40 mix of stocks and bonds isn’t necessarily the best way to go - without snapping?

Duration: 00:55:16

How To Live A Luxe Life & Still Save Money - 139

The Luxe Strategist offers six secrets to splurging on nice things while still saving 50% of your income. Joe and Big Al cover the latest on Trump tax reform, the retirement crisis, 7 Retirement Catch Up Strategies for Lifelong Procrastinators, and why caller Maria maybe shouldn't trade options. Plus, the fellas confess to their worst impulse purchases.

Duration: 01:00:55

Losing Money Sucks. Time For Asset Protection - 138

Asset protection attorney Doug Lodmell has the secrets to keeping your money safe in the event of a lawsuit. Social Security benefits and 401(k) contributions are going up, but the 401(k) thing may also be a nightmare. Al’s got 6 myths about freezing your credit in the wake of the Equifax double debacle, and the fellas answer your emails on when to take RMDs, family real estate entanglements, and how not to self-deal in your Roth IRA, because that’s illegal.

Duration: 01:12:01

FIRE & The Retirement Manifesto: What Will You Do With Your Free Time? - 137

Fritz Gilbert, blogger at, one of the fastest growing financial blogs on the internet, talks about the Financial Independence / Retire Early or FIRE movement, and how to make the most of your retirement. Also, three tax tricks just for retirees and more on the Trump Administration’s proposed tax reform. Plus, Joe and Big Al answer calls and emails on donor advised funds, day-trading, and risk tolerance vs risk capacity.

Duration: 01:04:43

How To Rescue Yourself From Hitting Financial Rock Bottom - 136

Financial Lifeguard Christine Luken explains how she used Mindful Money Management to rescue herself when she hit financial rock bottom, and how you can, too. Joe and Big Al answer questions on when the magic of compounding is gonna kick in, Roth conversions, required minimum distributions and how Trump tax reform will affect both. Plus, paying off the mortgage in retirement, marrying up for a better Social Security benefit, Joe’s drinking and college football watching habits, and...

Duration: 00:59:04

Trump Tax Reform: More Jobs, Fairer Taxes, Bigger Paychecks? - 135

Will the changes to tax brackets, deductions, exemptions, the alternative minimum tax, estate tax, individual taxes, small business taxes, corporate taxes and expenses in Donald Trump's "Unified Framework For Fixing Our Broken Tax Code" proposal provide more jobs, fairer taxes, and bigger paychecks as promised? Plus, Important Steps to Take in the Last 10 Years Before Retiring, and the financial dangers of fly-fishing with the wrong beer in retirement.

Duration: 00:57:35

Millennial Money Founder Side-Hustled To a Million In 5 Years - 134

Millennial Money founder Grant Sabatier on how extreme saving and the art of the side hustle took him from $2.26 in the bank to a net worth of $1 million in just 5 years. Plus, 7 things YOU should do to become a millionaire, what Trump’s tax plan means for the middle class, whether you should pay off the mortgage or save for retirement, and a whole bunch of Star Wars nonsense.

Duration: 01:06:16

The Truth About Reducing Your Taxes Through Charitable Giving - 133

In the aftermath of natural disasters at home and abroad, Elaine Martyn from Fidelity Charitable explains how donor-advised funds can make for tax efficient, high impact giving. Plus, how to protect yourself from identity theft following the Equifax security breach, financial tips for the five stages of your relationship, soap opera estate planning, Joe and Big Al’s beer tastes, and biker fashion.

Duration: 01:00:10

3 Dimensions of Expected Returns: Size, Price and Profitability - 132

Apollo Lupescu of Dimensional Fund Advisors explains how risk and expected returns are affected by size, price and profitability of a company, why the latest from President Trump shouldn’t affect our investing choices, how diversification can protect us from market downturns, and how our fear and greed have us tripping over our portfolios. Also, emails and phone calls on timing retirement and saving while pregnant, plus 6 Last Minute Retirement Strategies and some retirement tips for our...

Duration: 01:17:35

Mind The Gap: How To Make More Than You Spend In Retirement - 131

J. David Stein, host of the Money for the Rest of Us podcast, on managing emotions when it comes to investing and market volatility, and how to Mind the Gap between income and spending in retirement. If that gap is too large, we’ve got 99 side hustles that can help you make some cash. Also, 6 Tax Planning Tips to Consider for 2017, withdrawing from a Roth to fund college, and cost basis of stock held in trust for beneficiaries.

Duration: 01:02:46

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