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LikedChef Shuai Wang was the runner-up on the 22nd season of Bravo’s Top Chef and is the force behind two standout restaurants in Charleston, South Carolina—Jackrabbit Filly and King BBQ—where he brings together the flavors of his childhood in Beijing and the spirit of the South in some pretty unforgettable ways. He grew up just a short walk from Tiananmen Square, in a tiny home with no electricity or running water, where his grandmother often cooked over charcoal. Later, in Queens, New York, his mom taught herself to cook—her first dishes were a little salty, but they were always made with love. And somewhere along the way, Shuai learned that cooking wasn’t just about food—it was about taking care of people. After years working in New York kitchens, he made his way to Charleston and started building something that feels entirely his own. Today, we’re talking about how all those experiences come together on the plate, the family stories behind his cooking, and what it’s been like to share that journey on national TV. For more info visit: southernliving.com/biscuitsandjam Learn more about your ad choices. Visit podcastchoices.com/adchoices…
#153 - Guest hosts Mike Powers and Kirsten Ashbaugh from Manuka Financial talk more about data and cybersecurity best practices
Manage episode 485555476 series 3305727
Content provided by Andy Panko. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Andy Panko or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
In this special guest host episode, Mike Powers and Kirsten Ashbaugh from Manuka Financial talk cybersecurity best practices.
Links in this episode:
- Manuka Financial's website - https://www.manukafinancial.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
To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com
165 episodes
ShareManage episode 485555476 series 3305727
Content provided by Andy Panko. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Andy Panko or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
In this special guest host episode, Mike Powers and Kirsten Ashbaugh from Manuka Financial talk cybersecurity best practices.
Links in this episode:
- Manuka Financial's website - https://www.manukafinancial.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
To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com
165 episodes
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1 #162 - Q&A edition...more about bonds, taking distributions from a 401(k), when tax rates might actually go up (and by how much) and MORE! 1:01:11
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Play Later Play Later Lists Like LikedListener Q&A where Andy talks about: Why you know the return you'll ultimately realize if you hold a bond to maturity, but can't know the return you'll eventually realize if you instead hold a bond fund ( 7:13 ) A commonsense intuitive answer why bond prices decrease (increase) when interest rates increase (decrease) ( 9:56 ) His thoughts on holding only fixed maturity instruments such as CDs, bullet ETFs, individual bonds and MYGAs for a fixed income allocation instead of traditional open-end bond funds ( 13:56 ) How to distribute money from a 401(k) when you can't pick which particular investments to sell within it ( 22:44 ) Will U.S. income tax rates eventually increase, and by how much ( 31:23 ) How to make an investment policy statement ( 43:41 ) What distribution plans and strategies typically look like for his clients ( 51:23 ) Links in this episode: Morningstar article - How to Create an Investment Policy Statement 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…
1 #161 – Retirement planning chat with a "real" person, Jan 59:37
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Play Later Play Later Lists Like LikedAndy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jan. They talk about a wide array of retirement planning topics such as leaving the workforce early due to family caregiving needs, how health changes have impacted retirement, how to distribute money from an IRA particularly when looking to do Qualified Charitable Distributions, 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…
1 #160 - "Hot topics" edition...Andy and Lauren Hunt talk about the Social Security annual trustees report, the ever-increasing stock market, whether to take out loans or pay for things outright and… 1:19:45
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Play Later Play Later Lists Like LikedAndy and Lauren Hunt from Daybreak Wealth share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Their thoughts on the takeaways from 2025 annual Social Security Trustees report ( 7:17 ) Some of provisions in the pending One Big Beautiful Bill Act that are likely to impact most people's tax returns ( 16:12 ) Whether or not to get a loan or pay cash for a new car or house. Or, similarly, to pay down or pay off an existing loan ( 32:27 ) Whether buying a 30 year Treasury bond is a replacement for a traditional income annuity in retirement ( 38:19 ) When to consider getting a living/revocable trust ( 46:43 ) Why the stock market keeps chugging ever-upward, even with so much seemingly uncertain in the world and the economy ( 54:38 ) What longevity assumptions we use, and why, when doing financial planning and projections for client ( 1:07:45 ) Links in this episode: Lauren's firm - Daybreak Wealth Lauren's prior appearance on the Retirement Planning Education podcast - Episode #098 The 2025 Annual Social Security Trustees Report - 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…
1 #159 - SPECIAL EDITION...Provisions of the "One Big Beautiful Bill Act" most likely to impact your tax return 45:34
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Play Later Play Later Lists Like LikedIn the SPECIAL EDITION episode, Andy summarizes the key provision of the recently signed into law One Big Beautiful Act that are most likely to impact you and your tax return. The topics summarized are: Permanency of the current federal tax rates Permanency, and a slight increase, to the current standard deduction amounts A new temporary personal exemption up to $6,000 per person 65 or older Permanency, and a slight increase, to the lifetime gift and estate size exemption Permanency of the current Alternative Minimum Tax exclusion amount, but reduction/reversion of its income phase out levels Permanency of the $750,000 limit on residential mortgage principal against which interest can be deducted Permanency of the elimination of miscellaneous itemized deductions Temporary increase to $40,000 for State and Local Tax ("SALT") deductions A new permanent charitable deduction for people who use the standard deduction A new minimum AGI-based floor on charitable donations before donations can be itemized deductions A temporary exclusion from income tax of up to $25,000 tip income A temporary exclusion from income tax of up to $25,000 of overtime income A temporary deduction of up to $10,000 of interest loans to buy cars whose final assembly was in the U.S. Recissions of multiple "Green New Deal" tax credits such as electric vehicle credits and residential clean energy credits Creation of new "Trump" savings accounts for children under 18 And the bill having NO changes with regards to how Social Security is taxed (i.e. the bill did NOT make Social Security not taxable) Links in this episode: Final text of the One Big Beautiful Bill Act - here My written summary of the key individual income tax provisions of the One Big Beautiful Bill - 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…
1 #158 - How investment custodians make money 58:07
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Play Later Play Later Lists Like LikedAndy discusses the main ways in which investment custodians like Scwhab, Vanguard and Fidelity make money (even when you often don't outright directly pay them anything...) 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…
1 #157 - Q&A edition...bonds and the bond market, paying estimated taxes, converting ALL pre-tax money to Roth and MORE! 1:01:52
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Play Later Play Later Lists Like LikedListener Q&A where Andy talks about: A short explanation of bonds and "the bond market" ( 2:48 ) Are actively managed bond funds better than passive bond funds ( 21:53 ) What are the pros and cons of making all of the year's estimated tax payments in the first quarter ( 30:30 ) Why insurers don't offer a long term care product with a 2-3 years elimination period or deductible to cover just LTC needs beyond a few years ( 34:07 ) His thoughts on getting retirement income from dividends, Treasury interest and municipal bond interest ( 37:20 ) Are there any advisors who specialize in working with couples where only one couple is involved in the household finances ( 42:47 ) Are there any disadvantages to converting ALL pre-tax account balances to Roth ( 46:20 ) Is disability income considered "earned income" and eligible to make IRA or Roth IRA contributions ( 55:30 ) 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…
1 #156 - Three "real" people discuss how they handled the emotional transition into retirement and how they now find fulfillment, meaning and satisfaction 1:25:30
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Play Later Play Later Lists Like LikedAndy chats with three different "real" people to discuss how they handled the non-financial/emotional transition from working to retirement, and what they do now to provide a sense of fulfillment, meaning and purpose and in retirement 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…
1 #155 - "Hot topics" edition...Andy and Larry Pershing talk about the Big Beautiful (tax) Bill, US debt, concentration in the S&P 500 and MORE! 1:48:49
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Play Later Play Later Lists Like LikedAndy and Larry Pershing from Optimum Retirement Planning share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: The pending "Big Beautiful Bill" tax bill that recently was approved by the House; what's in it, what's not in it, practical planning considerations around it, etc. ( 8:12 ) Potential concerns about US debt US government bond defaults ( 34:50 ) Talking to kids and heirs about your estate planning and wishes for after you're gone ( 50:02 ) Estimated tax payments for people who recently retire ( 59:40 ) Sources and tools to consider using to do tax return and estimated tax estimates ( 1:02:27 ) The level of the S&P 500's concentration to the top few companies and the technology sector ( 1:06:04 ) Whether 1.75% of assets is a reasonable fee for a financial advisor to charge ( 1:19:07 ) What to know and consider when keeping money behind in a 401(k) vs rolling it over to an IRA ( 1:26:01 ) Links in this episode: Larry's firm - Optimum Retirement Planning Larry's previous appearance on the Retirement Planning Education Podcast - #081 – Retirement planner chat, with Larry Pershing from Optimum Retirement Planning Tax Foundation's summary of the Big Beautiful Bill Stephanie Kelton's book - The Deficit Myth The DinkyTown 1040 estimator The IRS Tax Withholding Estimator Tenon Financial's August 2024 newsletter about - Employer plan-to-IRA rollover pros and cons 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…
1 #154 - What retirement-focused financial and tax planning firms do for their fee, using my firm as an example 1:02:47
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Play Later Play Later Lists Like LikedAndy discusses what financial firms do for their fee, using his own firm, Tenon Financial, as an example Links in this episode: Tenon Financial's website - https://tenonfinancial.com/ Tenon Financial's June 2025 newsletter - here Andy's article explaining how it's impossible to quantify the value of advisory services in - How Much Are Your Services Worth? 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…
1 #153 - Guest hosts Mike Powers and Kirsten Ashbaugh from Manuka Financial talk more about data and cybersecurity best practices 1:18:04
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Play Later Play Later Lists Like LikedIn this special guest host episode, Mike Powers and Kirsten Ashbaugh from Manuka Financial talk cybersecurity best practices. Links in this episode: Manuka Financial's website - https://www.manukafinancial.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 To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com…
1 #152 - Q&A edition...how to deal with market declines, Social Security spousal benefits, vacation home sale impacts on IRMAA and MORE! 53:35
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Play Later Play Later Lists Like LikedListener Q&A where Andy talks about: Why more fund managers don't offer mutual fund-to-ETF conversions ( 5:02 ) How my firm helps clients prepare for severe market declines, and how we communicate bad markets to them ( 8:48 ) Who's the voice of the intro and outro to this podcast ( 16:06 ) For spouses claiming Social Security, what's a good claiming strategy when one spouse doesn't have enough work history to get their own benefit and can only get spousal benefits ( 17:19 ) Could a person continue to fund a 529 for their children and later transfer the beneficiary to eventual grandchildren ( 21:37 ) What constitutes a gift of digital assets; is it the transfer of the key to the wallet? ( 24:01 ) What date/time is used for the date of death valuation of assets, like crypto, that trade 24/7 ( 25:52 ) How will the sale of a vacation property impact IRMAA ( 26:55 ) How will the sale of a vacation property impact Roth conversion analysis and trying to fill up a certain tax bracket ( 28:46 ) Why were the recent 3 and 5-year returns of total bond market funds so poor ( 32:48 ) Making estimated payments or withholdings to cover the tax obligations from a Roth conversion done late in the year ( 41:39 ) Thoughts on a listener's proposed basic retirement plan, investment allocation and bucketing strategy ( 47:20 ) The Smart Money, Fresh Minds podcast - here My YouTube video on Estimated Taxes, Tax Withholdings and Underpayment Penalties - 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…
1 #151 – Retirement planning chat with a "real" person, Rob Berger 1:02:16
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Play Later Play Later Lists Like LikedAndy chats with real people (not advisors) doing their own retirement planning. In this episode, Andy talks with Rob Berger, the creator of the Rob Berger YouTube channel, the founder of the former DoughRoller website, published author and more!. They talk about a wide array of retirement planning topics such as when he started getting serious about retirement planning and a variety of financial topics such as Social Security, investing, how he plans to address any potential long term care scenarios and more! Links in this episode: Rob's YouTube channel - https://www.youtube.com/@rob_berger Rob's website - https://robberger.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 To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com…
1 #150 - "Hot topics" edition...Andy and Brian Tegtmeyer talk about retiring in a down market, concerns about Social Security, making estimated tax payments and MORE! 1:03:12
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Play Later Play Later Lists Like LikedAndy and Brian Tegtmeyer share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Should someone delay their planned retirement if the markets are bad ( 6:50 ) Should someone cancel or delay taking a big trip in retirement if the markets are bad ( 13:48 ) Should someone start Social Security earlier than they were otherwise planning to since there appears to be increased uncertainty about the future strength of the system ( 18:22 ) Do people need to make estimated tax payments in retirement ( 26:44 ) If someone has never worked with an advisor and has always DIY'd their own planning, should they continue to DIY it in retirement ( 32:49 ) Are inheritances taxable, and what should people do with them ( 41:58 ) Tax smart ways to do charitable giving in retirement ( 54:01 ) Do gift givers or receivers of gifts have to pay tax on gifts ( 57:49 ) Links in this episode: Brian's firm - Truly Prosper Financial Planning Sara Grillo's list of flat fee advisors - here Advisors in the Advice Only Network - 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…
1 #149 - Tips and best practices to protect your ID and financial information 57:23
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Play Later Play Later Lists Like LikedAndy provides some tips and best practices to help keep your ID and financial information secure. Specifically: Check your credit report regularly Freeze your credit Get a tax return filing PIN from the IRS Use strong and unique passwords for all websites and online accounts Use a password manager Use two-factor (if not multi-factor) authentication wherever possible Use a VPN (Virtual Private Network) whenever on public Wi-Fi Use separate e-mails for different types of accounts Put a "Self-Lock" on your SSN within the E-Verify system Lock your SIM card with your cellular provider Be cognizant of phishing and vishing scams Be mindful of protection physical information and items Links in this episode: Transunion credit freeze - here Experian credit freeze - here Equifax credit freeze - here www.MyFICO.com www.CheckFreeScore.com IRS PIN info - here E-Verify Self-Lock info - here FTC article about how to spot phishing - here AARP article about how to spot vishing - here 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…
1 #148 - Q&A edition...buffer ETFs, direct indexing, bucketing strategies, kiddie tax and MORE! 1:03:04
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Play Later Play Later Lists Like LikedListener Q&A where Andy talks about: Buffer ETFs and whether they can be used as replacements for CDs in building a ladder for upcoming years' expenses ( 4:29 ) His thoughts on direct indexing and whether it's worth doing to try to make non-qualified accounts for tax-efficient ( 14:11 ) Whether or not it's practical to implement a bucketing strategy ( 23:38 ) Considerations to put into a will when there is a beneficiary who may be contentious or difficult to deal with ( 34:18 ) Estate size exemptions and considerations for spouses splitting up accounts ( 42:55 ) Annualizing income on Form 2210 when making estimated payments and income earned or recognized is lumpy or uneven throughout the year ( 48:37 ) The "Kiddie Tax" and when it applies ( 54:27 ) 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…
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Retirement Planning Education, with Andy Panko
1 #132 - Why the value in financial advisory services can't actually be measured 57:11
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Play Later Play Later Lists Like LikedAndy 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 it Links in this episode: Vanguard's research paper - Putting a value on your value: Quantifying Vanguard Advisor's Alpha My article - How Much are Your Services Worth? My article - Advisors Fees are Broken 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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Retirement Planning Education, with Andy Panko
1 #131 - Q&A edition...mutual funds vs ETFs, traditional vs rollover IRAs, how much umbrella insurance to get and MORE! 56:44
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Play Later Play Later Lists Like LikedListener 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 only in their 60s and still a few years away from Required Minimum Distributions ( 33:17 ) What to consider when deciding whether to roll an old employer 403(b) into a new employer's 403(b) or to an IRA ( 36:30 ) What tax prep courses are there for individuals to learn about doing their own taxes ( 39:13 ) Discussion of "bullet" maturity bond funds/ETFs ( 42:30 ) 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…
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Retirement Planning Education, with Andy Panko
1 #130 – Retirement planning chat with a "real" person, Peter Townsend 1:55:52
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Play Later Play Later Lists Like LikedAndy 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 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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Retirement Planning Education, with Andy Panko
1 #129 – Retirement planner chat, with Andrew Gray from Gray Wealth Strategies 1:34:52
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Play Later Play Later Lists Like LikedAndy 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 Strategies 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…
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Retirement Planning Education, with Andy Panko
1 #128 - How to decide whether to own or rent your home in retirement 43:26
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Play Later Play Later Lists Like LikedAndy discusses the things to take into consideration when trying to decide whether to own or rent a home in retirement 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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Retirement Planning Education, with Andy Panko
1 #127 - Q&A edition...concentration in the S&P 500, direct indexing, how to transfer accounts from one broker to another and MORE! 53:38
53:38 Play Later Play Later Lists Like Liked53:38
Play Later Play Later Lists Like LikedListener 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 level of IRA withdrawal will lead to income high enough that you will need to start paying income-based surcharges on Medicare ( 37:47 ) How to transfer investment accounts from one broker/custodian to another ( 43:02 ) To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com Links in this episode: The DinkyTown 1040 tax return calculator - here 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…
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Retirement Planning Education, with Andy Panko
1 #126 – Retirement planning chat with a "real" person, Jane 1:12:00
1:12:00 Play Later Play Later Lists Like Liked1:12:00
Play Later Play Later Lists Like LikedAndy 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 - here The book The Psychology of Money - here The Bogleheads forum - 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…
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Retirement Planning Education, with Andy Panko
1 #125 – Retirement planner chat, with Jamie Lima from Woodson Wealth Management 1:33:01
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Play Later Play Later Lists Like LikedAndy 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 in the retirement and financial planning processes. Links in this episode: Jamie's advisory company website - Woodson Wealth Management Jamie's divorce planning company website - Allegiant Divorce Solution Jamie's podcast - Broke Up, Not Broke(n) FINRA's BrokerCheck - here 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…
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Retirement Planning Education, with Andy Panko
1 #124 - The basics of taxes and tax planning in retirement 1:00:28
1:00:28 Play Later Play Later Lists Like Liked1:00:28
Play Later Play Later Lists Like LikedAndy 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-taxable Required Minimum Distributions ("RMDs") from both your own accounts and inherited accounts How to pay taxes in retirement: withholdings vs making estimated payments Gifting tax-efficiently Making charitable donations tax-efficiently Overview of common long-term tax planning strategies: Delaying Social Security and distributing from pre-tax accounts in the interim Roth conversions Tax loss and tax gain harvesting Asset "location" of which investments to hold in which account types To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com Links in this episode: The Rock Retirement Club - here 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…
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Retirement Planning Education, with Andy Panko
1 #123 - My thoughts on 12 common financial and retirement planning rules of thumb 51:13
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Play Later Play Later Lists Like LikedSpecial 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 match You shouldn't help your kids pay for college if it means shorting your own financial security in retirement You need at least $X million (where $X can be whatever amount someone wants to say) of savings to retire In retirement, expect to need 80% of whatever your pre-retirement income was each year The 4% "rule" is a good tool for determining how much of a portfolio someone can distribution each year in retirement Your target stock allocation percentage should be 100 minus your age You should pay off your mortgage before retiring The rule of 72 is a good tool to tell how long it will take to double your investment You should have an emergency fund of cash equal to three to six months of expenses Permanent life insurance should be avoided; only use term life insurance The owner of a large investment advisory firm says, "I hate annuities and you should too" That same person also says of his firm, "we do better when you do better" To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com Links in this episode: My podcast about the 4% "rule" - here 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…
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Retirement Planning Education, with Andy Panko
1 #122 - Q&A edition...tracking Roth IRA contributions, what to do with leftover RMD money, using total bond market funds and MORE! 39:45
39:45 Play Later Play Later Lists Like Liked39:45
Play Later Play Later Lists Like LikedListener 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 total bond market funds as its fixed income allocation ( 28:10 ) Rolling over up to $35k of unused 529 funds into a Roth IRA ( 34:28 ) To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com Links in this episode: The Boomer Benefits Facebook group - here My podcast about the primary residence sale capital gain exclusion - here TransUnion SmartMove website - here 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…
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Retirement Planning Education, with Andy Panko
1 #121 – Retirement planning chat with a "real" person, Doug Mann 1:26:44
1:26:44 Play Later Play Later Lists Like Liked1:26:44
Play Later Play Later Lists Like LikedAndy 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-time Links in this episode: Doug's travel/photography website - www.photomann.com The Rock Retirement Club - here RetirePlan website - here Doug's episode on Roger Whitney's Retirement Answer Man podcast - 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…
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Retirement Planning Education, with Andy Panko
1 #120 – Retirement planner chat, with Erik Barnes from Retirement Portfolio Partners 1:51:35
1:51:35 Play Later Play Later Lists Like Liked1:51:35
Play Later Play Later Lists Like LikedAndy 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 Partners The Rock Retirement Club - here 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…
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Retirement Planning Education, with Andy Panko
1 #119 - Andy's appearance on Rob Berger's YouTube channel, talking about taxes in retirement 1:41:14
1:41:14 Play Later Play Later Lists Like Liked1:41:14
Play Later Play Later Lists Like LikedAndy 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 content about retirement planning and investing. You can find a link to the channel and this specific episode below. Links in this episode: Rob's YouTube channel - here My YouTube episode with Rob - 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…
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Retirement Planning Education, with Andy Panko
1 #118 - Q&A edition...Itemized sales tax deductions, pension vs lump sum, surviving spouse tax increases and MORE! 49:10
49:10 Play Later Play Later Lists Like Liked49:10
Play Later Play Later Lists Like LikedListener 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 and a 401(k) ( 31:40 ) How the IRS knows if you didn't take Required Minimum Distributions ("RMDs") when you were supposed to ( 37:02 ) How to ensure your Treasury interest received (including when received indirectly through a money market mutual fund) is properly reported as tax-free on your state tax return ( 41:36 ) To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com Links in this episode: IRS sales tax deduction calculator - here Rob Berger's YouTube channel - here 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…
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Retirement Planning Education, with Andy Panko
1 #147 – Chat with four "real" people, sharing what they wish they would have known or done differently during their divorces 1:27:54
1:27:54 Play Later Play Later Lists Like Liked1:27:54
Play Later Play Later Lists Like LikedIn this special edition "real" person chat, Andy talks with four different people who went through "gray" divorce (i.e. divorcing later in life; typically over the age of 50), to learn what they wish they would have known or done differently as they were going through the divorce process. 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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Retirement Planning Education, with Andy Panko
1 #146 – Retirement planner chat, with Mark Rosinski from Dunes Financial 57:50
57:50 Play Later Play Later Lists Like Liked57:50
Play Later Play Later Lists Like LikedAndy chats with fellow retirement planner Mark Rosinski, CFP®, CPA from Dunes 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 know when people have enough to retire, what consumers often overlook in retirement planning and much more! Links in this episode: Mark's advisory company website - Dunes Financial https://www.kitces.com/ Wade Pfau - Retirement Planning Guidebook: https://www.amazon.com/Retirement-Planning-Guidebook-Navigating-Important/dp/194564009X Retirement & IRA Show: https://podcasts.apple.com/us/podcast/the-retirement-and-ira-show/id656868743 All-In Podcast: https://podcasts.apple.com/us/podcast/all-in-with-chamath-jason-sacks-friedberg/id1502871393 The Drive Podcast: https://podcasts.apple.com/us/podcast/the-peter-attia-drive/id1400828889 The Retirement Nerds: https://www.youtube.com/@Theretirementnerds Car Dealership Guy: https://x.com/GuyDealership Colin Stroud: https://www.linkedin.com/in/gosomewhere/ His points service website: https://www.gosomewhere.world/ Ramit Sethi MoneyDials: https://www.iwillteachyoutoberich.com/money-dials/ 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…
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Retirement Planning Education, with Andy Panko
1 #145 - Understanding mutual fund capital gain distributions 43:48
43:48 Play Later Play Later Lists Like Liked43:48
Play Later Play Later Lists Like LikedAndy discusses the ins and outs of mutual fund capital gain distributions, particularly in normal taxable brokerage accounts. Links in this episode: 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…
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Retirement Planning Education, with Andy Panko
1 #144 - Q&A edition...Rule of thumb for retirement income needs, qualified vs ordinary dividends, Social Security taxation and MORE! 41:18
41:18 Play Later Play Later Lists Like Liked41:18
Play Later Play Later Lists Like LikedListener Q&A where Andy talks about: Whether the rule of thumb saying in retirement you'll need about 80% of what you were making in wages is on a gross or net of taxes basis ( 6:49 ) Understanding why some dividends are "qualified" and some are not, why they're taxed differently, and why dividends from bond funds aren't qualified ( 14:15 ) Whether the decision to start Social Security sooner vs later would change if Social Security were to no longer be federally taxable ( 22:09 ) Whether spouses can combine their 401(k) balances ( 27:03 ) What a Form 5498 is, and if you need it to do your tax return, considering it often isn't available until after April 15th ( 30:27 ) If you can still make a 2024 Roth IRA or traditional IRA contribution in early-2025 ( 31:40 ) Whether you can make a contribution to a Roth IRA via transferring shares "in-kind" from a brokerage account ( 37:23 ) 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…
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Retirement Planning Education, with Andy Panko
1 #143 – Retirement planning chat with a "real" person, Jim Jones 59:34
59:34 Play Later Play Later Lists Like Liked59:34
Play Later Play Later Lists Like LikedAndy 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…
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Retirement Planning Education, with Andy Panko
1 #142 - "Hot topics" edition...Andy and Mike Powers talk about tariffs, TIPs, international stocks, data/cyber security and MORE! 1:29:19
1:29:19 Play Later Play Later Lists Like Liked1:29:19
Play Later Play Later Lists Like LikedAndy 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…
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Retirement Planning Education, with Andy Panko
1 #141 - Determining how much Roth conversion to do in a given year 52:27
52:27 Play Later Play Later Lists Like Liked52:27
Play Later Play Later Lists Like LikedAndy 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…
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Retirement Planning Education, with Andy Panko
1 #140 - Q&A edition...Donor Advised Funds, back door Roth IRA contributions, 10-year Treasury bonds, crypto and MORE! 53:02
53:02 Play Later Play Later Lists Like Liked53:02
Play Later Play Later Lists Like LikedListener 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…
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Retirement Planning Education, with Andy Panko
1 #139 – Retirement planning chat with a "real" person, John McLaurin 58:14
58:14 Play Later Play Later Lists Like Liked58:14
Play Later Play Later Lists Like LikedAndy 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…
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Retirement Planning Education, with Andy Panko
1 #138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning 1:12:46
1:12:46 Play Later Play Later Lists Like Liked1:12:46
Play Later Play Later Lists Like LikedAndy 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…
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Retirement Planning Education, with Andy Panko
1 #137 - 7 scenarios where it might be beneficial to do Roth conversions 53:08
53:08 Play Later Play Later Lists Like Liked53:08
Play Later Play Later Lists Like LikedAndy 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 future You're married (and may eventually be single) You have large pre-tax accounts Your eventual heirs are likely to be in higher tax situations than you currently are Your plan on moving to a state that will have higher income taxes than your current state You're convinced tax rates will increase markedly in the future 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…
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Retirement Planning Education, with Andy Panko
1 #136 - Guest host edition...Mike Powers walks through his retirement planning checklist 32:39
32:39 Play Later Play Later Lists Like Liked32:39
Play Later Play Later Lists Like LikedSpecial 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…
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Retirement Planning Education, with Andy Panko
1 #135 - Q&A edition...understanding financial advisor's titles, repeal of Social Security WEP & GPO, umbrella insurance and MORE! 57:18
57:18 Play Later Play Later Lists Like Liked57:18
Play Later Play Later Lists Like LikedListener 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…
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Retirement Planning Education, with Andy Panko
1 #134 – Retirement planning chat with a "real" person, Brian Alexander 1:01:05
1:01:05 Play Later Play Later Lists Like Liked1:01:05
Play Later Play Later Lists Like LikedAndy 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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Retirement Planning Education, with Andy Panko
1 #133 – Retirement planner chat, with Eric Niergarth from Retirement Roadmap Financial Planning 1:09:13
1:09:13 Play Later Play Later Lists Like Liked1:09:13
Play Later Play Later Lists Like LikedAndy 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 Planning 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…
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BackStory is a weekly public podcast hosted by U.S. historians Ed Ayers, Brian Balogh, Nathan Connolly and Joanne Freeman. We're based in Charlottesville, Va. at Virginia Humanities. There’s the history you had to learn, and the history you want to learn - that’s where BackStory comes in. Each week BackStory takes a topic that people are talking about and explores it through the lens of American history. Through stories, interviews, and conversations with our listeners, BackStory makes histo ...
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Every Day Is Saturday Podcast For Motivation, Inspiration And Success
Self Improvement Coach Sam Crowley
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One of the top motivational podcasts for 18 years and running. Motivational messages to keep you inspired throughout the week. Success comes in all shapes and sizes. Sam Crowley’s authentic message will provide the inspiration you need to conquer the challenges and claim your power.
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1
Españolistos | Learn Spanish With Fun Conversations!
Españolistos | Learn Spanish With Fun Conversations!
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Españolistos is a Spanish language learning Podcast spoken in clear Latin American Spanish geared towards intermediate to advanced language learners. The conversations are 99% in Spanish so you can focus on your listening comprehension. The topics are fun and interesting, sometimes controversial, and always educational. We believe that discussing deep and meaningful topics will increase your vocabulary as you learn new and practical words for everyday living. Andrea (Colombian Spanish Teache ...
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