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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

58:14

#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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72:46

#138 – Retirement planner chat, with Liz Yoder from...

Retirement Planning Education, with Andy Panko ·

2025/02/13

Andy chats with fellow retirement planner Liz Yoder, CFP®, ChSNC® from Dependent Financial Planning. In this episode they talk about a wide array of retirement planning topics with a particular emphasis on special needs planning and the unique considerations and areas to consider when you or your child has or is likely to have a disability Links in this episode: Liz's advisory company website - Dependent Financial PlanningLiz's LinkedIn profile - Elizabeth (Wolleben) Yoder To send Andy qu...

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53:08

#137 - 7 scenarios where it might be beneficial to do...

Retirement Planning Education, with Andy Panko ·

2025/02/06

Andy discussed seven common scenarios where it might be beneficial to do Roth conversions: You know your income now is much lower than it will be in the futureYou're married (and may eventually be single)You have large pre-tax accountsYour eventual heirs are likely to be in higher tax situations than you currently areYour plan on moving to a state that will have higher income taxes than your current stateYou're convinced tax rates will increase markedly in the futureYou want greater tax "dive...

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32:39

#136 - Guest host edition...Mike Powers walks through...

Retirement Planning Education, with Andy Panko ·

2025/01/30

Special guest host, Mike Powers, CPA, PFS, CFP®, from Manuka Financial sits behind the microphone to walk through his 22-point retirement planning checklist, which includes financial, insurance and lifestyle considerations. Links in this episode:Mike's blog post about the retirement planning checklist - hereGeorge Kinder's life planning three questions - hereMike's company's website - Manuka FinancialTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group ...

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57:18

#135 - Q&A edition...understanding financial...

Retirement Planning Education, with Andy Panko ·

2025/01/23

Listener Q&A where Andy talks about: What it means between an advisor who calls themself a financial planner vs wealth manager vs any other label they choose to use ( 10:24 )My thoughts on the recently repealed Windfall Elimination Provision ("WEP") and Government Pension Offset ("GPO") parts of Social Security ( 20:35 )A follow up to a previously discussed Q&A topic about how much umbrella insurance to purchase ( 31:18 )How income is taxed to a recently deceased person vs their ...

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61:05

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

Retirement Planning Education, with Andy Panko ·

2025/01/16

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Brian Alexander. They talk about a wide array of retirement planning topics such as investing, Social Security, when they got serious about retirement planning, funding potential long term care needs and more! Links in this episode:Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Reti...

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69:13

#133 – Retirement planner chat, with Eric Niergarth...

Retirement Planning Education, with Andy Panko ·

2025/01/09

Andy chats with fellow retirement planner Eric Niergarth, CFP®, RICP® from Retirement Roadmap Financial Planning. 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:Eric's advisory company website - Retirement Roadmap Financial PlanningTo sen...

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57:11

#132 - Why the value in financial advisory services...

Retirement Planning Education, with Andy Panko ·

2025/01/02

Andy explains how there is definitely value in good financial advisory services, but how it's impossible to quantify that value and is often disingenuous for advisors to claim they can, or for studies to try to put a number on itLinks in this episode:Vanguard's research paper - Putting a value on your value: Quantifying Vanguard Advisor's AlphaMy article - How Much are Your Services Worth?My article - Advisors Fees are BrokenTenon Financial monthly e-newsletter - Retirement Planning InsightsF...

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56:44

#131 - Q&A edition...mutual funds vs ETFs,...

Retirement Planning Education, with Andy Panko ·

2024/12/26

Listener Q&A where Andy talks about: What's the difference between index mutual funds and index ETFs, and why choose one over the other ( 6:32 )Is a three-fund index fund portfolio reasonable for someone in the decumulation phase of life ( 17:04 )What's the difference between a "rollover" and "traditional" IRA ( 20:54 )How much of your net worth should you cover with umbrella insurance ( 24:32 )What should someone do about a pre-tax employer plan they don't really need if they're onl...

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115:52

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

Retirement Planning Education, with Andy Panko ·

2024/12/19

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Peter Townsend. They talk about a wide array of retirement planning topics such as becoming self-educated in the details of retirement planning AFTER already retiring, Social Security, funding potential long term care needs and more! Links in this episode:Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education...

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94:52

#129 – Retirement planner chat, with Andrew Gray from...

Retirement Planning Education, with Andy Panko ·

2024/12/12

Andy chats with fellow retirement planner Andrew Gray, CFP® from Gray Wealth Strategies. 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:Andrew's advisory company website - Gray Wealth StrategiesTo send Andy questions to be addressed on fu...

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43:26

#128 - How to decide whether to own or rent your home...

Retirement Planning Education, with Andy Panko ·

2024/12/05

Andy discusses the things to take into consideration when trying to decide whether to own or rent a home in retirementTenon 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.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, ema...

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53:38

#127 - Q&A edition...concentration in the S&P 500,...

Retirement Planning Education, with Andy Panko ·

2024/11/28

Listener Q&A where Andy talks about: What to do about the concentration of the top few names in the S&P 500 ( 5:10 )What is direct indexing, when could it make sense and how to manage wash sales when direct indexing ( 13:21 )Whether you need to have taxes withheld from annuities or any other sources of income ( 30:39 )When it might make sense to buy an annuity for only a few years, such as five or 10 years ( 34:34 )If your only income is Social Security and IRA withdrawals, what ...

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72:00

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

Retirement Planning Education, with Andy Panko ·

2024/11/21

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jane (anonymous name). They talk about a wide array of retirement planning topics such as dealing with the unexpected death of a spouse, self-educating on retirement and tax planning, doing a really large Roth conversion, Social Security survivor benefits, healthcare options in retirement and more!Links in this episode:The book Die With Zero - hereThe book The Psychology of Mon...

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93:01

#125 – Retirement planner chat, with Jamie Lima from...

Retirement Planning Education, with Andy Panko ·

2024/11/14

Andy chats with fellow retirement planner Jamie Lima, CFP®, CDFA from Woodson Wealth Management and Allegiant Divorce Solutions. 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! Also, Jamie interjects his experience and knowledge around divorce-related matters ...

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60:28

#124 - The basics of taxes and tax planning in...

Retirement Planning Education, with Andy Panko ·

2024/11/07

Andy talks about the basics of what to know regarding taxes and tax planning in retirement. Topics discussed include: What sources of income are taxable vs non-taxableRequired Minimum Distributions ("RMDs") from both your own accounts and inherited accountsHow to pay taxes in retirement: withholdings vs making estimated paymentsGifting tax-efficientlyMaking charitable donations tax-efficientlyOverview of common long-term tax planning strategies:Delaying Social Security and distributing f...

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51:13

#123 - My thoughts on 12 common financial and...

Retirement Planning Education, with Andy Panko ·

2024/10/31

Special edition episode in which Andy shares his views on whether the below 12 rules of thumb are accurate or not: You should always contribute at least enough to your employer plan (like a 401(k)) to get the full employer matchYou shouldn't help your kids pay for college if it means shorting your own financial security in retirementYou need at least $X million (where $X can be whatever amount someone wants to say) of savings to retireIn retirement, expect to need 80% of whatever your pr...

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39:45

#122 - Q&A edition...tracking Roth IRA contributions,...

Retirement Planning Education, with Andy Panko ·

2024/10/24

Listener Q&A where Andy talks about: How to keep track of Roth IRA contributions ( 6:45 )Considering getting employer-sponsored health insurance to supplement Medicare ( 12:15 )What to do with money from an RMD that you don't actually need ( 16:48 )Understanding the capital gain exclusion on selling your primary residence ( 19:58 )How to determine how much you can rent out a rental property for, and how to screen for tenants ( 23:42 )How to distribute from a portfolio that includes t...

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86:44

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

Retirement Planning Education, with Andy Panko ·

2024/10/17

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Doug Mann. They talk about a wide array of retirement planning topics such as retiring and living abroad in Thailand and the unique planning considerations involved with being abroad full-timeLinks in this episode:Doug's travel/photography website - www.photomann.comThe Rock Retirement Club - hereRetirePlan website - hereDoug's episode on Roger Whitney's Retirement Answer Man p...

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111:35

#120 – Retirement planner chat, with Erik Barnes from...

Retirement Planning Education, with Andy Panko ·

2024/10/10

Andy chats with fellow retirement planner Erik Barnes, CFP® from Retirement Portfolio Partners. 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:Erik's company website - Retirement Portfolio PartnersThe Rock Retirement Club - hereTo send An...

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182 results

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