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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

101:14

#119 - Andy's appearance on Rob Berger's YouTube...

Retirement Planning Education, with Andy Panko ·

2024/10/03

Andy appeared as a guest/co-host on the September 23, 2024 episode of Rob Berger's YouTube live stream video series. In it, they discussed taxes and tax planning in retirement, as well as a host of other questions such as account rebalancing, Roth conversion analysis, and more! There was also plenty of live Q&A from Rob's loyal followers/watchers.For those who don't already know, Rob Berger has one of the best YouTube channels out there for straight-shooting, educational and informative c...

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49:10

#118 - Q&A edition...Itemized sales tax deductions,...

Retirement Planning Education, with Andy Panko ·

2024/09/26

Listener Q&A where Andy talks about: Itemizing sales taxes on Schedule A of your tax return, particularly when living in two states during the year ( 6:30 )Considerations when deciding between taking a pension or its lump sum ( 11:51 )Should a recently widowed person take advantage of their last year of Married Filing Joint tax brackets and do a large Roth conversion or IRA distribution ( 25:03 )Understanding the pro rata rule when doing a Roth conversion when you have multiple IRAs ...

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59:24

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

Retirement Planning Education, with Andy Panko ·

2024/09/19

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Alison (last name not disclosed). They talk about a wide array of retirement planning topics such as the unique planning considerations of having a spouse who's nearly 10 years younger and how an unexpected major medical condition a few years ago resulted in her being on long term disability, presumably through when she starts Social Security. They also talk about about what sh...

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96:40

#116 – Retirement planner chat, with Roger Whitney...

Retirement Planning Education, with Andy Panko ·

2024/09/12

Andy chats with fellow retirement planner Roger Whitney, CFP®, CIMA®, CPWA® from The Retirement Answer Man podcast. In this episode they talk about a wide array of retirement planning topics such as tax planning, investing, annuities, how to help advise people get over the hurdle of not wanting to spend their money, what consumers often overlook in retirement planning and much more!Links in this episode:Roger's website - The Retirement Answer ManBronnie Ware's book - The Top Five Regrets of t...

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55:44

#115 - How to give to charities tax-efficiently

Retirement Planning Education, with Andy Panko ·

2024/09/05

Andy summarizes the tax-related concepts to know when giving to charities, and summarizes a few ways in which to make your charitable donations as tax-efficient for you as possibleLinks in this episode:IRS Publication 526 - hereMy YouTube video - How to Give to Charities Tax EfficientlyMy YouTube video - Overview of Federal Income TaxationTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube chan...

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114:44

#114 – Retirement planner chat, with me...Andy Panko...

Retirement Planning Education, with Andy Panko ·

2024/08/29

We're switching things up a bit! In this week's episode, guest host Mike Powers (from Manuka Financial; was a previous guest on the podcast) chats with the show's host, Andy Panko from Tenon Financial.In the episode, they talk about a wide array of retirement planning topics and Andy's view and approach toward them, such as tax planning, distribution strategies, investing, annuities, long-term care insurance, how to help advise people who are spending more than planned, what consumers often o...

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54:46

#113 - Q&A edition...how to find a retirement tax...

Retirement Planning Education, with Andy Panko ·

2024/08/22

Listener Q&A where Andy talks about: Can you retroactively increase your income for a prior tax year ( 2:37 )How to find a retirement planning tax specialist ( 8:16 )How the Medicare IRMAA premium surcharge income lookback works ( 17:24 )Determining how much mega back door Roth contributions to do ( 22:02 )Is it okay to employ your child part-time in your small business to give them earnings so you can contribute to a Roth IRA for them ( 28:07 )My thoughts on "bullet" maturity bond E...

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40:39

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

Retirement Planning Education, with Andy Panko ·

2024/08/15

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jane (an anonymous name). They talk about a wide array of retirement planning topics such as when she started getting serious about retirement planning, what she wishes she would have known earlier, what she learned from seeing her parents go through a long term care event with her father, and a variety of financial topics such as Social Security, investing, how she and her hus...

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87:12

#111 – Retirement planner chat, with Victor Medina...

Retirement Planning Education, with Andy Panko ·

2024/08/08

Andy chats with fellow retirement planner Victor Medina, CFP®, RICP®, CELA® from Palante Wealth. 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 help advise people who are spending more than planned, what consumers often overlook in retirement planning and much more!Links in this episode:Victor's company's website - Palante WealthVictor's podcast - Retirease RadioSi...

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10:00

#110 1/2 - ONE MORE pro of rolling over employer...

Retirement Planning Education, with Andy Panko ·

2024/08/05

I'm a buffoon and I missed including another important pro of doing an employer plan-to-IRA rollover in episode #110's list of pros and cons of rollovers. The additional potential pro is the ability to do Qualified Charitable Distributions ("QCDs") out of the IRA if you're at least 70 1/2 and charitably inclined.So, the recap the full list of pros (including QCDs) and cons of doing an employer plan-to-IRA rollover:Potential PROS of rolling over an employer plan to an IRA or Roth IRA:More inve...

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65:22

#110 - Pros and cons of rolling over employer plans...

Retirement Planning Education, with Andy Panko ·

2024/08/01

Andy summarizes the pros and cons of rolling over an employer plan (such as a 401(k), 403(b), 401(a), 457 or the federal Thrift Savings Plan) to an IRA or Roth IRA. To sum up:Potential PROS of rolling over an employer plan to an IRA or Roth IRA:More investment optionsLikely lower fees and costsAccess to professional adviceBetter control over tax withholdingsMore withdrawal optionsLess Required Minimum Distributions ("RMDs") to manageLess financial clutterPotential CONS of rolling over an empl...

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43:43

#109 - Q&A edition...how to know if your 401(k) is...

Retirement Planning Education, with Andy Panko ·

2024/07/25

Listener Q&A where Andy talks about: How to know if your 401(k) is good ( 5:57 )Is it safer to bank at multiple banks instead of just one ( 14:33 )How much tax should you withhold from your Social Security ( 21:10 )Whether each spouse needs to take out excess Roth IRA contributions if only one spouse's income put their Married Filing Joint total income over the Roth IRA contribution eligibility threshold ( 25:20 )Should you hire an advisor for a one-time Roth conversion analysis and ...

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98:27

#108 – Retirement planning chat with "real" people,...

Retirement Planning Education, with Andy Panko ·

2024/07/18

Andy chats with real people (not advisors) doing their own retirement planning. In this episode, Andy talks with Ali & Alison Walker, who live in Arizona currently but lived and traveled abroad for a few years after retiring. They talk about a wide array of retirement planning topics such as when Ali & Alison started getting serious about retirement planning, what they wish they would have known earlier, how they planned for the non-financial aspects of retirement, and a variety of fi...

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111:51

#107 – Retirement planner chat, with Mike Powers from...

Retirement Planning Education, with Andy Panko ·

2024/07/11

Andy chats with fellow retirement planner Mike Powers, CPA, PFS, CFP®, from Manuka 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 help advise people who are spending more than planned, what consumers often overlook in retirement planning and much more!Links in this episode:Mike's company's website - Manuka FinancialMichael Kitces website - hereMr Money M...

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43:25

#106 - How to decide the optimal time to start your...

Retirement Planning Education, with Andy Panko ·

2024/07/04

Andy talks about the main points to consider when deciding when to start your Social Security retirement benefitsLinks in this episode:Tenon Financial June 2024 newsletter discussing how to optimize your Social Security claiming decision - hereRetirement Planning Education June 2024 blog discussing how to optimize your Social Security claiming decision - hereMy YouTube video - Calculating Your Social Security Primary Insurance AmountTenon Financial monthly e-newsletter - Retirement Planning I...

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54:59

#105 - Q&A edition... having mortgages in retirement,...

Retirement Planning Education, with Andy Panko ·

2024/06/27

Listener Q&A where Andy talks about: Whether or not it's okay to have a mortgage or rent in retirement ( 1:56 )Medicare Part B coinsurance of 20% and whether Medigap/Supplemental policies are worth it ( 8:50 )How much money is TOO MUCH money to have in a Health Savings Account ( 13:50 )If I've changed any of my views or processes around retirement planning as a result having chatted with multiple "real people" and other retirement planners in this podcast ( 24:57 )How advisors can he...

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71:07

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

Retirement Planning Education, with Andy Panko ·

2024/06/20

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Laura Maione, who lives in Illinois and retired during the pandemic. They talk about a wide array of retirement planning topics such as when Laura started getting serious about retirement planning, what she wishes he would have known earlier, how she planned for the non-financial aspects of retirement, and a variety of financial topics such as Social Security, investing, portfo...

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93:48

#103 – Retirement planner chat, with Angie...

Retirement Planning Education, with Andy Panko ·

2024/06/13

Andy chats with fellow retirement planner Angie Furubotten-LaRosee CFP®, from Avea 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 help advise people who are spending more than planned, what consumers often overlook in retirement planning and much more!Links in this episode:Angie's company's website - Avea Wealth ManagementAngie's "Questions to a...

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40:13

#102 - Highlights of the 2024 Social Security...

Retirement Planning Education, with Andy Panko ·

2024/06/06

Andy gives a summary of the key takeaways from the recently released 2024 Social Security Trustees ReportLinks in this episode:The 2024 Social Security Trustees Report - hereThe "Summary of Provisions That Would Change the Social Security Program" - hereTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retiremen...

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34:24

#101 - Q&A edition...Choosing a custodian, 401(k)...

Retirement Planning Education, with Andy Panko ·

2024/05/30

Listener Q&A where Andy talks about: How to choose a brokerage firm/custodian to use ( 3:00 )How frequently to rebalance your portfolio ( 11:46 )Annual 401(k) contribution limits between employee and employer contributions ( 14:55 )Understanding gift taxes, when a gift tax return is required, the lifetime gift/estate size exemption and the annual gift exclusion ( 19:08 )The two different 5-year rules for Roth IRAs ( 24:03 )How mortgages or home equity lines of credit play into how mu...

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182 results

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