Blind Spots

Warren Buffet famously said, "Only when the tide goes out do you discover who's been swimming naked." Investors have been conditioned that the market only goes up and in turn have structured their lifestyle to reflect this. In this episode of Blind Spots we discuss common pitfalls investors are finding themselves in throughout the difficult market of 2022.

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p. 1 (877) 261-0015 

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Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. This information is not an offer or a solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.

Confused about taxes in retirement? You're not alone. In this episode of Blind Spots, we cover what you need to know to make sense of taxes in retirement.  

w. pureportfolios.com 

p. 1 (877) 261-0015 

e. [email protected]  

Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. This information is not an offer or a solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.

Feeling the pressures of a bear market? In this episode of Blind Spots we discuss how you can avoid common investor mistakes that derail a long-term investment plan.

w. pureportfolios.com 

p. 1 (877) 261-0015 

e. [email protected]  

Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. This information is not an offer or a solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.

There's a lot of talk about Roth conversions - why they're great, and how they can benefit you, but often times we leave out that they're not for everyone. In this episode of Blind Spots we help you identify if a Roth conversion is right for you.  

Asset Location Video: https://www.youtube.com/watch?v=nbFDUmuc6Ms 

w. pureportfolios.com 

p. 1 (877) 261-0015 

e. [email protected]  

Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. This information is not an offer or a solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.

Between the media and your social circle here's no shortage of recession talk. In this episode of blind spots, we are going to be discussing how you can prepare for a recession. 

w. pureportfolios.com 

p. 1 (877) 261-0015 

e. [email protected]  

Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. This information is not an offer or a solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.

In this episode of Blind Spots we talk about 3 screens you can use to help choose an advisor. We discuss how to identify the type of firm you want to work with, how to filter out the bad apples, and questions to ask when interviewing an advisor.

Violation Tracker: https://www.goodjobsfirst.org/

How is your firm rated by their employees?: https://www.glassdoor.com/member/home/companies.htm 

Advisor history & disclosures: Investor.gov

Questions to ask your advisor:

- What are your fees?

- Can I track my fees in real time?

- Do your fees show up on my statement?

- What is your all-in cost of investing? (commissions, expense ratios, management fees)

- Ask for a copy of the firm’s updated ADV

- Do you have any conflicts of interest or affiliations to disclose in your ADV?

- If I wanted to move my accounts, what does the unwinding process look like?

- Do you have a commitment time frame?

- What’s the liquidity of the investment vehicles you will use?

- Do you charge an account closing fee?

- Do you use proprietary funds?

- Do you manage my money, or do you outsource your investments?

- What’s your framework for managing risk?

- How do you make buy/sell decisions?

- How do you optimize my plan and portfolio for taxes?

- What designations/licenses do you have?

w. pureportfolios.com 

p. 1 (877) 261-0015 

e. [email protected]  

Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. Nik Schuurmans and Erin Varghese work for Pure Portfolios. All opinions expressed by Nik and Erin, or any podcast guest are solely their own opinions and do not reflect the opinions of Pure Portfolios. This podcast is for informational purposes only and should not be relied upon for investment decisions. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax professional. Clients of Pure Portfolios may maintain positions in the securities discussed in this podcast. This information is not an offer or solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.

w. pureportfolios.com 

p. 1 (877) 261-0015 

e. [email protected]  

Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. Nik Schuurmans and Erin Varghese work for Pure Portfolios. All opinions expressed by Nik and Erin, or any podcast guest are solely their own opinions and do not reflect the opinions of Pure Portfolios. This podcast is for informational purposes only and should not be relied upon for investment decisions. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax professional. Clients of Pure Portfolios may maintain positions in the securities discussed in this podcast. This information is not an offer or solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.

w. pureportfolios.com 

p. 1 (877) 261-0015 

e. [email protected]  

Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. Nik Schuurmans and Erin Varghese work for Pure Portfolios. All opinions expressed by Nik and Erin, or any podcast guest are solely their own opinions and do not reflect the opinions of Pure Portfolios. This podcast is for informational purposes only and should not be relied upon for investment decisions. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax professional. Clients of Pure Portfolios may maintain positions in the securities discussed in this podcast. This information is not an offer or solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.

Join Nik Schuurmans and Erin Varghese in this week's episode of Blind Spots, where we discuss why the U.S. housing market is broken.

w. pureportfolios.com 

p. 1 (877) 261-0015 

e. [email protected] 

Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. Nik Schuurmans and Erin Varghese work for Pure Portfolios. All opinions expressed by Nik and Erin, or any podcast guest are solely their own opinions and do not reflect the opinions of Pure Portfolios. This podcast is for informational purposes only and should not be relied upon for investment decisions. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax professional. Clients of Pure Portfolios may maintain positions in the securities discussed in this podcast. This information is not an offer or solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.

Navigating health care in early retirement can be a daunting task, especially if you've relied on your employer's health coverage during your working years.

Nik Schuurmans & Erin Varghese discuss how early retirees can save money on health care and reduce taxes through this simple income minimization strategy.

Find healthcare in your state: https://www.healthcare.gov/

w. pureportfolios.com  

p. 1 (877) 261-0015  

e. [email protected]    

Investment advisory services offered through Pure Portfolios, a Registered Investment Advisor with the U.S. Securities and Exchange Commission. Nik Schuurmans and Erin Varghese work for Pure Portfolios. All opinions expressed by Nik and Erin, or any podcast guest are solely their own opinions and do not reflect the opinions of Pure Portfolios. This podcast is for informational purposes only and should not be relied upon for investment decisions. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax professional. Clients of Pure Portfolios may maintain positions in the securities discussed in this podcast. This information is not an offer or solicitation to buy or sell securities. The information contained may have been compiled from third party sources and is believed to be reliable.