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PODCAST

Retirement Planning Education, with Andy Panko

Teaching you all about IRAs & Roth IRAs, employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies, annuities, estate planning and much more!

education

All Episodes

58:07

#158 - How investment custodians make money

Retirement Planning Education, with Andy Panko ·

2025/07/03

Andy discusses the main ways in which investment custodians like Scwhab, Vanguard and Fidelity make money (even when you often don't outright directly pay them anything...) Links in this episode: Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningE...

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61:52

#157 - Q&A edition...bonds and the bond market,...

Retirement Planning Education, with Andy Panko ·

2025/06/26

Listener Q&A where Andy talks about: A short explanation of bonds and "the bond market" ( 2:48 )Are actively managed bond funds better than passive bond funds ( 21:53 )What are the pros and cons of making all of the year's estimated tax payments in the first quarter ( 30:30 )Why insurers don't offer a long term care product with a 2-3 years elimination period or deductible to cover just LTC needs beyond a few years ( 34:07 )His thoughts on getting retirement income from dividends, T...

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85:30

#156 - Three "real" people discuss how they handled...

Retirement Planning Education, with Andy Panko ·

2025/06/19

Andy chats with three different "real" people to discuss how they handled the non-financial/emotional transition from working to retirement, and what they do now to provide a sense of fulfillment, meaning and purpose and in retirement Links in this episode: Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)R...

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108:49

#155 - "Hot topics" edition...Andy and Larry Pershing...

Retirement Planning Education, with Andy Panko ·

2025/06/12

Andy and Larry Pershing from Optimum Retirement Planning share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: The pending "Big Beautiful Bill" tax bill that recently was approved by the House; what's in it, what's not in it, practical planning considerations around it, etc. ( 8:12 )Potential concerns about US debt US government bond defaults ( 34:50 )Talking to kids and heirs about your estate planning and w...

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62:47

#154 - What retirement-focused financial and tax...

Retirement Planning Education, with Andy Panko ·

2025/06/05

Andy discusses what financial firms do for their fee, using his own firm, Tenon Financial, as an example Links in this episode: Tenon Financial's website - https://tenonfinancial.com/Tenon Financial's June 2025 newsletter - hereAndy's article explaining how it's impossible to quantify the value of advisory services in - How Much Are Your Services Worth? Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Ret...

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78:04

#153 - Guest hosts Mike Powers and Kirsten Ashbaugh...

Retirement Planning Education, with Andy Panko ·

2025/05/29

In this special guest host episode, Mike Powers and Kirsten Ashbaugh from Manuka Financial talk cybersecurity best practices. Links in this episode: Manuka Financial's website - https://www.manukafinancial.com/ Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.Ret...

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53:35

#152 - Q&A edition...how to deal with market...

Retirement Planning Education, with Andy Panko ·

2025/05/22

Listener Q&A where Andy talks about: Why more fund managers don't offer mutual fund-to-ETF conversions ( 5:02 )How my firm helps clients prepare for severe market declines, and how we communicate bad markets to them ( 8:48 )Who's the voice of the intro and outro to this podcast ( 16:06 )For spouses claiming Social Security, what's a good claiming strategy when one spouse doesn't have enough work history to get their own benefit and can only get spousal benefits ( 17:19 )Could a pers...

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62:16

#151 – Retirement planning chat with a "real" person,...

Retirement Planning Education, with Andy Panko ·

2025/05/15

Andy chats with real people (not advisors) doing their own retirement planning. In this episode, Andy talks with Rob Berger, the creator of the Rob Berger YouTube channel, the founder of the former DoughRoller website, published author and more!. They talk about a wide array of retirement planning topics such as when he started getting serious about retirement planning and a variety of financial topics such as Social Security, investing, how he plans to address any potential long term care sc...

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63:12

#150 - "Hot topics" edition...Andy and Brian...

Retirement Planning Education, with Andy Panko ·

2025/05/08

Andy and Brian Tegtmeyer share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Should someone delay their planned retirement if the markets are bad ( 6:50 )Should someone cancel or delay taking a big trip in retirement if the markets are bad ( 13:48 )Should someone start Social Security earlier than they were otherwise planning to since there appears to be increased uncertainty about the future strength of th...

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57:23

#149 - Tips and best practices to protect your ID and...

Retirement Planning Education, with Andy Panko ·

2025/05/01

Andy provides some tips and best practices to help keep your ID and financial information secure. Specifically: Check your credit report regularlyFreeze your creditGet a tax return filing PIN from the IRSUse strong and unique passwords for all websites and online accountsUse a password managerUse two-factor (if not multi-factor) authentication wherever possibleUse a VPN (Virtual Private Network) whenever on public Wi-FiUse separate e-mails for different types of accountsPut a "Self-Lock" on y...

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63:04

#148 - Q&A edition...buffer ETFs, direct indexing,...

Retirement Planning Education, with Andy Panko ·

2025/04/24

Listener Q&A where Andy talks about: Buffer ETFs and whether they can be used as replacements for CDs in building a ladder for upcoming years' expenses ( 4:29 )His thoughts on direct indexing and whether it's worth doing to try to make non-qualified accounts for tax-efficient ( 14:11 )Whether or not it's practical to implement a bucketing strategy ( 23:38 )Considerations to put into a will when there is a beneficiary who may be contentious or difficult to deal with ( 34:18 )Estate s...

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87:54

#147 – Chat with four "real" people, sharing what...

Retirement Planning Education, with Andy Panko ·

2025/04/17

In this special edition "real" person chat, Andy talks with four different people who went through "gray" divorce (i.e. divorcing later in life; typically over the age of 50), to learn what they wish they would have known or done differently as they were going through the divorce process. Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education ...

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57:50

#146 – Retirement planner chat, with Mark Rosinski...

Retirement Planning Education, with Andy Panko ·

2025/04/10

Andy chats with fellow retirement planner Mark Rosinski, CFP®, CPA from Dunes Financial. In this episode they talk about a wide array of retirement planning topics such as tax planning, distribution strategies, investing, annuities, long-term care insurance, how to know when people have enough to retire, what consumers often overlook in retirement planning and much more! Links in this episode: Mark's advisory company website - Dunes Financial https://www.kitces.com/Wade Pfau - Retirement Pl...

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43:48

#145 - Understanding mutual fund capital gain...

Retirement Planning Education, with Andy Panko ·

2025/04/03

Andy discusses the ins and outs of mutual fund capital gain distributions, particularly in normal taxable brokerage accounts. Links in this episode: Tenon Financial monthly e-newsletter - Retirement Planning Insights To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com Facebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Plan...

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41:18

#144 - Q&A edition...Rule of thumb for retirement...

Retirement Planning Education, with Andy Panko ·

2025/03/27

Listener Q&A where Andy talks about: Whether the rule of thumb saying in retirement you'll need about 80% of what you were making in wages is on a gross or net of taxes basis ( 6:49 )Understanding why some dividends are "qualified" and some are not, why they're taxed differently, and why dividends from bond funds aren't qualified ( 14:15 )Whether the decision to start Social Security sooner vs later would change if Social Security were to no longer be federally taxable ( 22:09 )Whet...

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59:34

#143 – Retirement planning chat with a "real" person,...

Retirement Planning Education, with Andy Panko ·

2025/03/20

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jim Jones. They talk about a wide array of retirement planning topics such as transitioning from owning a dental practice into retirement, investing, Social Security, when they got serious about retirement planning, and more! Links in this episode: Jim's podcast - The JimJam Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Reti...

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89:19

#142 - "Hot topics" edition...Andy and Mike Powers...

Retirement Planning Education, with Andy Panko ·

2025/03/13

Andy and Mike Powers share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Tariffs: what they are, who pays them, do they cause inflation, etc. ( 9:42 )Pros and cons of Treasury Inflation Protected Securities, or TIPS ( 21:32 )Whether or not to hold international stocks ( 37:07 )Considerations about whether to de-risk your portfolio and hold more cash a as result of expecting market uncertainty going fo...

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52:27

#141 - Determining how much Roth conversion to do in...

Retirement Planning Education, with Andy Panko ·

2025/03/06

Andy discussed how to determine how much Roth conversion to do in a particular year (assuming you've decided Roth conversions make sense for you). He walks through how to do a current year income & tax projection, and what tax "targets" or "goals" are commonly used in determining how much conversion to do. Links in this episode: DinkyTown 1040 online tax return projection tool - hereTenon Financial monthly e-newsletter - Retirement Planning Insights To send Andy questions to be addres...

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53:02

#140 - Q&A edition...Donor Advised Funds, back door...

Retirement Planning Education, with Andy Panko ·

2025/02/27

Listener Q&A where Andy talks about: Can Donor Advised Funds ("DAFs") be funded with pre-tax IRA money ( 2:22 )How to do a backdoor Roth IRA contribution and avoid the pro rata rule if you have pre-tax funds in other IRAs ( 5:46 )What are the must have important things to address and get right in retirement planning, vs what are nice to have optimization things ( 10:51 )How come most flat fee advisors don't work with clients with net worth in excess of $10 million ( 19:50 )How...

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58:14

#139 – Retirement planning chat with a "real" person,...

Retirement Planning Education, with Andy Panko ·

2025/02/20

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with John McLaurin. They talk about a wide array of retirement planning topics such as planning for special needs and the "generational" planning involved, investing, Social Security, when they got serious about retirement planning, and more! Links in this episode: The book John mentioned - The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child...

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181 results

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