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    Education

    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!

    Advertise

    Copyright: © 2024 Retirement Planning Education, with Andy Panko

    • Apple Podcasts
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    Latest Episodes:
    #143 – Retirement planning chat with a "real" person, Jim Jones Mar 20, 2025
    Show notes

    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 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


    To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

    #142 - "Hot topics" edition...Andy and Mike Powers talk about tariffs, TIPs, international stocks, data/cyber security and MORE! Mar 13, 2025
    Show notes

    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 forward ( 48:21 )
    • Options for where to hold cash ( 54:33 )
    • Observations and things to consider regarding doing your tax return ( 1:03:20 )
    • Data and cyber security considerations ( 1:13:54 )


    Links in this episode:

    • Mike's article about TIPS - here
    • Mike's article on how to freeze your credit - here
    • Mike's article on properly reporting US government obligation interest on your tax return - here
    • Vanguard's forward-looking forecasts - here
    • California's one-time tax return penalty abatement - here



    To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com


    • 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
    #141 - Determining how much Roth conversion to do in a given year Mar 06, 2025
    Show notes

    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 - here
    • 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 Planning Education website - www.RetirementPlanningEducation.com
    #140 - Q&A edition...Donor Advised Funds, back door Roth IRA contributions, 10-year Treasury bonds, crypto and MORE! Feb 27, 2025
    Show notes

    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 to invest excess money in taxable brokerage accounts ( 26:21 )
    • Can funds or investments in taxable brokerage accounts be exchanged in-kind with others to avoid consequences ( 30:07 )
    • Why is the 10-year Treasury bond used as a benchmark for many fixed income products, and why do bond prices change when interest rates change ( 32:49 )
    • How to know if you're over-saving ( 38:27 )
    • Thoughts about timing in when you take distributions vs doing Qualified Charitable Distributions ("QCDs") to satisfy Required Minimum Distributions ("RMDs") ( 41:51 )
    • My thoughts on crypto assets ( 46:29 )


    To find an "advice only" advisor - www.AdviceOnlyNetwork.com


    To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com


    • 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
    #139 – Retirement planning chat with a "real" person, John McLaurin Feb 20, 2025
    Show notes

    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's Life


    • 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


    To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

    #138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning Feb 13, 2025
    Show notes

    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 Planning
    • Liz's LinkedIn profile - Elizabeth (Wolleben) Yoder


    To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.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
    #137 - 7 scenarios where it might be beneficial to do Roth conversions Feb 06, 2025
    Show notes

    Andy discussed seven common scenarios where it might be beneficial to do Roth conversions:

    1. You know your income now is much lower than it will be in the future
    2. You're married (and may eventually be single)
    3. You have large pre-tax accounts
    4. Your eventual heirs are likely to be in higher tax situations than you currently are
    5. Your plan on moving to a state that will have higher income taxes than your current state
    6. You're convinced tax rates will increase markedly in the future
    7. You want greater tax "diversity" amongst your investable accounts


    Links in this episode:

    • Tenon Financial newsletter summarizing the 7 potential Roth conversion scenarios - 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


    To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

    #136 - Guest host edition...Mike Powers walks through his retirement planning checklist Jan 30, 2025
    Show notes

    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 - here
    • George Kinder's life planning three questions - here
    • Mike's company's website - Manuka Financial


    • 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


    To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

    #135 - Q&A edition...understanding financial advisor's titles, repeal of Social Security WEP & GPO, umbrella insurance and MORE! Jan 23, 2025
    Show notes

    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 heirs or their estate ( 37:08 )
    • How best to gift money to grandchildren to get them started with saving and investing ( 42:10 )
    • Understanding a bond or bond fund's "duration" and how to use it measure the bond or bond fund's interest rate price change risk. And what it means to have a recommended "holding period" for a bond fund ( 46:45 )


    To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com


    • 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
    #134 – Retirement planning chat with a "real" person, Brian Alexander Jan 16, 2025
    Show notes

    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 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


    To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

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