Retirement Planning Education, with Andy Panko

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Retirement Planning Education, with Andy Pankoinactive

Publisher |: Andy Panko

Media Type |: audio

Podknife tags |: Investing,; Personal Finance,; Retirement

Categories Via RSS |: Education

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

People |: Andy Panko (@tenonfinancial)
Country Of Origin |: USA
Produced In |: Metuchen, NJ
Premiere Date |: 2022-01-14
Frequency |: Weekly
Explicit |: No

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99 Available Episodes (99 Total) / Average duration: 00:42:59

Date Duration Most Reviewed Highest Rated

99 Available Episodes (99 Total)Average duration: 00:42:59

May 02, 2024

00:44:23

Explanation of the Required Minimum Distribution ("RMD") rules for inherited IRAsLinks in this episode:

The IRS's Single Life Expectancy Table
Charles Schwab's Inherited IRA Withdrawal Rules

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

Apr 25, 2024

00:45:51

Listener Q&A where Andy talks about:

Am I concerned about the increasing amount of US government debt, and how do I think it will impact retirees' investments ( 1:32 )
Are there any custodians that offer Roth versions of SEP IRAs ( 16:58 )
Is there a simple way to estimate what your total taxes will be for the year ( 19:28 )
Could it make sense to invest in municipal bonds instead of bonds where the interest is taxable - even if the after-tax yield of the non-municipal bonds is higher - if the interest from the municipal bonds will have smaller impact on Modified Adjusted Gross Income for things like Medicare premium surcharges and Affordable Care Act premium tax credits ( 26:01 )
A listener's feedback on why he feels a living/revocable trust was a good idea for him ( 31 :48 )
How much money is TOO MUCH to have in a Health Savings Account ("HSA") ( 36:16 )
Is it better to take a year's Required Minimum Distribution ("RMD") all at once, or spread out throughout the year ( 42:05 )

Links in this episode:

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

Apr 18, 2024

01:23:22

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Judy Ocaya, who lives in California and retired in 2019. They talk about a wide array of retirement planning topics such as when Judy 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, portfolio distributions, how she leveraged her professional experience as a retirement plan actuary 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

Apr 11, 2024

01:25:49

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

Apr 04, 2024

01:32:22

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 unfairLinks 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

Mar 28, 2024

00:35:42

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

Mar 21, 2024

01:17:23

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

Mar 14, 2024

01:25:07

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

Mar 07, 2024

00:37:54

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 returnsLinks 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

Feb 29, 2024

01:08:28

Andy talks with Laura Adams, author and host of the The Money Girl podcast, about retirement planning considerations and issues unique to womenLinks 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

May 02 | 00:44:23

#097 – Inherited IRA Required Minimum Distribution ("RMD") rules

Apr 25 | 00:45:51

#096 - Q&A edition...US government debt concerns, Health Savings Accounts, how to estimate taxes and MORE!

Apr 18 | 01:23:22

#095 – Retirement planning chat with a "real" person, Judy Ocaya

Apr 11 | 01:25:49

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

Apr 04 | 01:32:22

#093 – Advisory fees...the good, the bad, the ugly

Mar 28 | 00:35:42

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

Mar 21 | 01:17:23

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

Mar 14 | 01:25:07

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

Mar 07 | 00:37:54

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

Feb 29 | 01:08:28

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

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