Retirement Planning Education, with Andy Panko

Latest Episodes:

#094 – Retirement planner chat, with David and Mary Oransky from Laminar Wealth Apr 11, 2024

Show notes

Andy chats with fellow retirement planners Devin Oransky and Mary Oransky, from Laminar 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 know when someone has "enough" to retire, what consumers often overlook in retirement planning and much more!
Links in this episode:

Laminar Wealth's website - https://www.laminarwealth.com/

Tenon Financial monthly e-newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

#093 – Advisory fees...the good, the bad, the ugly Apr 04, 2024

Show notes

Discussion of the different ways in which advisory firms charge fees, why the percentage of assets under management fee is illogical and unfair, and what alternate fee structures may be less illogical and less unfair
Links in this episode:

FINRA's BrokerCheck - here
My article about trying to quantify the "value" of advisory services - here
Tenon Financial monthly e-newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

#092 - Q&A edition...determining state tax residency, tax underpayment penalties and MORE! Mar 28, 2024

Show notes

Listener Q&A where Andy talks about:

How to establish tax residence in a new state, and how to leave tax residence in your old state
Carrying over capital loss deductions
Minimizing or eliminating underpayment interest penalties by "annualizing" income using Form 2210
When in the tax return season should you file your return
Is an advisory fee of 1.25% to 1.50% worth it

Links in this episode:

My YouTube video - Estimated Taxes, Tax Withholdings and Underpayment Penalties
My company newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

#091 – Retirement planning chat with a "real" person, Tom Santi Mar 21, 2024

Show notes

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Tom Santi, who lives in Florida and is currently in a part-time/transitional work phase leading toward retirement. They talk about a wide array of retirement planning topics such as when Tom started getting serious about retirement planning, what he wishes he would have known earlier, how he planned for the non-financial aspects of retirement, and a variety of financial topics such as Social Security, investing, portfolio distributions and how he received the CFP in the 1990s but never actually formally practiced as a financial planner!
Links in this episode:

Tom's favorite retirement planning resources:
- Chris Farrell's book, Your Money Ratio$
- Thomas Stanley and William Danko's book, The Millionaire Next Door
- Burton Malkiel's book, A Random Walk Down Wall Street
- John Paulos's book, Innumeracy
- Darrell Huff's book, How to Lie with Statistics
- Annie Duke's book, Thinking in Bets
Tenon Financial monthly e-newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

#090 – Retirement planner chat, with Devin Carroll from Carroll Advisory Group Mar 14, 2024

Show notes

Andy chats with fellow retirement planner Devin Carroll, from Carroll Advisory Group. 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 someone has "enough" to retire, what consumers often overlook in retirement planning and much more!
Links in this episode:

Devin's company's website - Carroll Advisory Group
Devin's YouTube channel - Devin Carroll
Devin's podcast - Big Picture Retirement
Devin's Facebook group - Social Security Intelligence Member's Group
The Social Security Program Operations Manual System - POMS

Tenon Financial monthly e-newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

#089 – Understanding the S&P 500 index and why it's NOT the right benchmark for your portfolio Mar 07, 2024

Show notes

Explanation of what the S&P 500 index is, what it measures, how it works and why it's NOT the right benchmark to use for your portfolio and it's returns
Links in this episode:

Portfolio Visualizer website - here
Tenon Financial monthly e-newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

#088 – Retirement planning considerations for women, with Laura Adams Feb 29, 2024

Show notes

Andy talks with Laura Adams, author and host of the The Money Girl podcast, about retirement planning considerations and issues unique to women
Links in this episode:

Laura's website - https://lauradadams.com/
Laura's podcast - The Money Girl
Laura's newsletter - The Money Stack

Tenon Financial monthly e-newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

#087 - Q&A edition...tax return filing statuses, advisor succession plans and MORE! Feb 22, 2024

Show notes

Listener Q&A where Andy talks about:

The summary of the five different tax return filing statuses
Whether a particular listener could file as Head of Household for his 22 year-old son in college
How to get the 1099-INT form if you sold any I Bonds last year
Whether you can still do a 2023 Roth conversion now, in February 2024
What to look for and ask regarding an advisor's succession plan

Links in this episode:

My YouTube video - Overview of Federal Income Taxation
IRS's Instructions to Form 1040
IRS's website for What is My Filing Status?
IRS's website for Whom May I Claim as a Dependent?
My company newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

#086 – Retirement planning chat with a "real" person, Bill Stevenson Feb 15, 2024

Show notes

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Bill Stevenson, a married military retiree currently living in Hawaii. They talk about a wide array of retirement planning topics such as when Bill started getting serious about retirement planning, what he wishes he would have known earlier, how he planned for the non-financial aspects of retirement, and a variety of financial topics such as Social Security, investing, portfolio distributions, how the GI Bill helped pay for Bill's daughters' colleges and more!
Links in this episode:

Bill's favorite retirement planning resources:
- Jane Bryant Quinn books and other resources - here
- Wade Pfau's book, Retirement Planning Guidebook
- The podcast, The Retirement & IRA Show
Tenon Financial monthly e-newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

#085 – Retirement planner chat, with Brian Tegtmeyer from Truly Prosper Financial Planning Feb 08, 2024

Show notes

Andy chats with fellow retirement planner Brian Tegtmeyer, CFP®, from Truly Prosper 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 someone has "enough" to retire, what consumers often overlook in retirement planning and much more!
Links in this episode:

Brian's company's website - Truly Prosper Financial Planning
The Michael Kitces website/blog - here
Ed Slott website/blog - here
Natalie Choate's book - Life and Death Planning for Retirement Benefits
Money Quotient life planning tools - here
George Kinder financial life planning resources - here
Mitch Anthony financial life planning resources - here
Reid Stone's non-financial and life planning solutions - here
Fritz Gilbert's blog - The Retirement Manifesto
Roger Whitney's podcast - The Retirement Answer Man
Mitch Anthony's book - The New Retirementality

Tenon Financial monthly e-newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

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