Can you trust the opinion of just one advisor when planning for your entire financial future?

Today on Your Money, Your Wealth podcast number 409, Joe and Big Al spitball some retirement plan and Roth conversion second opinions.

They illustrate one way some financial advisors may be acting in their own best interests.

And they explain how you can determine if you're on track for a successful retirement.

Plus, can you take penalty-free withdrawals from a Roth TSP to Roth IRA rollover in order to bridge the gap until age 59 and a half?

Will paying for a home remodel with Roth conversion funds avoid tax?

And should you use Roth conversion money for these purposes?

Visit Your Money, Your Wealth.com and click Ask Joe and Big Al on air to send in your money questions.

I'm producer Andy Last, and here are the hosts of Your Money, Your Wealth, Joe Anderson, CFP, and Big Al Clopine CPA.

All right, we got Ken, he writes in from Fremont, California.

He goes, hey, Joe, Al, Andy, both my wife and I will retire within the next 12 months.

And I appreciate your thoughts on the type of analysis we've done to determine our readiness

for retirement and leaving our jobs. I've

access to planning tools in no-cost consultation with an intelligent and attentive CFP.

Okay. Well, that's good. Oh, he's probably really handsome or beautiful. Yeah, when I first saw

that, that's what I thought, intelligent and attractive, but then I said,

oh, attentive.

Via my employer plan administrator, all right, using a software tool, money guide pro.

We've considered our overall net worth, expected income sources, plugged in projected basic

living expenses, and added some one-time and

discretionary expenses for things like rope replacement, new car purchase, and annual travel.

The plan provides details on a 30-year cash flow in accounts for inflation and coal adjustments

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