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Вміст надано Andy Panko. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією Andy Panko або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.
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Action Academy | Replace The Job You Hate With A Life You Love


1 How To Replace A $100,000+ Salary Within 6 MONTHS Through Buying A Small Business w/ Alex Kamenca & Carley Mitus 57:50
Alex (@alex_kamenca) and Carley (@carleymitus) are both members of our Action Academy Community that purchased TWO small businesses last thursday! Want To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses? 👔🏝️ Schedule A Free 15 Minute Coaching Call With Our Team Here To Get "Unstuck" Want to know which investment strategy is best for you? Take our Free Asset-Selection Quiz Check Out Our Bestselling Book : From Passive To Passionate : How To Quit Your Job - Grow Your Wealth - And Turn Your Passions Into Profits Want A Free $100k+ Side Hustle Guide ? Follow Me As I Travel & Build: IG @brianluebben ActionAcademy.com…
#089 – Understanding the S&P 500 index and why it's NOT the right benchmark for your portfolio
Manage episode 405069841 series 3305727
Вміст надано Andy Panko. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією Andy Panko або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.
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
152 епізодів
Manage episode 405069841 series 3305727
Вміст надано Andy Panko. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією Andy Panko або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.
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
152 епізодів
Wszystkie odcinki
×Andy 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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Listener 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…

1 #147 – Chat with four "real" people, sharing what they wish they would have known or done differently during their divorces 1:27:54
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In 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…
Andy 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…
Andy 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…

1 #144 - Q&A edition...Rule of thumb for retirement income needs, qualified vs ordinary dividends, Social Security taxation and MORE! 41:18
Listener 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…
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…

1 #142 - "Hot topics" edition...Andy and Mike Powers talk about tariffs, TIPs, international stocks, data/cyber security and MORE! 1:29:19
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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…
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…

1 #140 - Q&A edition...Donor Advised Funds, back door Roth IRA contributions, 10-year Treasury bonds, crypto and MORE! 53:02
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…
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…

1 #138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning 1:12:46
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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…
Andy 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…
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…

1 #135 - Q&A edition...understanding financial advisor's titles, repeal of Social Security WEP & GPO, umbrella insurance and MORE! 57:18
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…
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1 #134 – Retirement planning chat with a "real" person, Brian Alexander 1:01:05
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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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Retirement Planning Education, with Andy Panko

1 #133 – Retirement planner chat, with Eric Niergarth from Retirement Roadmap Financial Planning 1:09:13
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Andy 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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Retirement Planning Education, with Andy Panko

Andy 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
Listener 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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1 #130 – Retirement planning chat with a "real" person, Peter Townsend 1:55:52
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Andy 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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Andy 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

Andy 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
Listener 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
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Andy 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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Andy 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
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Andy 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

Special 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
Listener 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
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Andy 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
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Andy 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
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Andy appeared as a guest/co-host on the September 23, 2024 episode of Rob Berger's YouTube live stream video series. In it, they discussed taxes and tax planning in retirement, as well as a host of other questions such as account rebalancing, Roth conversion analysis, and more! There was also plenty of live Q&A from Rob's loyal followers/watchers. For those who don't already know, Rob Berger has one of the best YouTube channels out there for straight-shooting, educational and informative 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
Listener Q&A where Andy talks about: Itemizing sales taxes on Schedule A of your tax return, particularly when living in two states during the year ( 6:30 ) Considerations when deciding between taking a pension or its lump sum ( 11:51 ) Should a recently widowed person take advantage of their last year of Married Filing Joint tax brackets and do a large Roth conversion or IRA distribution ( 25:03 ) Understanding the pro rata rule when doing a Roth conversion when you have multiple IRAs 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

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Alison (last name not disclosed). They talk about a wide array of retirement planning topics such as the unique planning considerations of having a spouse who's nearly 10 years younger and how an unexpected major medical condition a few years ago resulted in her being on long term disability, presumably through when she starts Social Security. They also talk about about what she wishes she would have known earlier and a variety of financial topics such as Social Security, how they got a late start in getting serious about saving for retirement 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 #116 – Retirement planner chat, with Roger Whitney from the Retirement Answer Man podcast 1:36:40
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Andy chats with fellow retirement planner Roger Whitney, CFP®, CIMA®, CPWA® from The Retirement Answer Man podcast. In this episode they talk about a wide array of retirement planning topics such as tax planning, investing, annuities, how to help advise people get over the hurdle of not wanting to spend their money, what consumers often overlook in retirement planning and much more! Links in this episode: Roger's website - The Retirement Answer Man Bronnie Ware's book - The Top Five Regrets of the Dying Roger's workbook of info and questions about - Finding a Trusted Advisor 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

Andy summarizes the tax-related concepts to know when giving to charities, and summarizes a few ways in which to make your charitable donations as tax-efficient for you as possible Links in this episode: IRS Publication 526 - here My YouTube video - How to Give to Charities Tax Efficiently My YouTube video - Overview of Federal Income Taxation 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 #114 – Retirement planner chat, with me...Andy Panko from Tenon Financial 1:54:44
1:54:44
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We're switching things up a bit! In this week's episode, guest host Mike Powers (from Manuka Financial; was a previous guest on the podcast) chats with the show's host, Andy Panko from Tenon Financial. In the episode, they talk about a wide array of retirement planning topics and Andy's view and approach toward them, such as tax planning, distribution strategies, investing, annuities, long-term care insurance, how to help advise people who are spending more than planned, what consumers often overlook in retirement planning and much more! Links in this episode: Andy' company's website - Tenon Financial Ed Slott's blog - The Slott Report Ed Slott's paid membership group for advisors - Elite IRA Advisor Group Michael Kitces blog - here Jeff Levine's X (formerly Twitter) page - here Bob Keebler home page - here Natalie Choate's book - Life & Death Planning for Retirement Benefits Investment News - www.InvestmentNews.com Wall Street Journal - www.WSJ.com Roger Whitney's Podcast - The Retirement Answer Man Jim Saulnier & Chris Stein's podcast - The Retirement & IRA Show Benjamin Brandt's podcast - Retirement Starts Today Radio Victor Medina's podcast - Retirease Radio Rob Berger's YouTube channel - here Mike's article about the questions to ask a prospective advisor - 9 Questions to Ask a Flat Fee (or any!) Financial Advisor as You Near Retirement My article about why it's disingenuous for advisors to pretend they can quantify their value in - How Much Are Your Services Worth? 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 #113 - Q&A edition...how to find a retirement tax planner, Medicare premium surcharges, bullet maturity bond ETFs and MORE! 54:46
Listener Q&A where Andy talks about: Can you retroactively increase your income for a prior tax year ( 2:37 ) How to find a retirement planning tax specialist ( 8:16 ) How the Medicare IRMAA premium surcharge income lookback works ( 17:24 ) Determining how much mega back door Roth contributions to do ( 22:02 ) Is it okay to employ your child part-time in your small business to give them earnings so you can contribute to a Roth IRA for them ( 28:07 ) My thoughts on "bullet" maturity bond ETFs ( 31:30 ) Whether reducing withdrawal rates or setting up a bucketing system eliminates Sequence of Returns Risk in retirement ( 43:27 ) To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com Links in this episode: List of flat-free retirement planner referrals - here Link to the Facebook group post about Sequence of Returns Risk - here My YouTube video on Sequence of Returns Risk - 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

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jane (an anonymous name). They talk about a wide array of retirement planning topics such as when she started getting serious about retirement planning, what she wishes she would have known earlier, what she learned from seeing her parents go through a long term care event with her father, and a variety of financial topics such as Social Security, investing, how she and her husband plan to address their own potential long term care scenarios 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 #111 – Retirement planner chat, with Victor Medina from Palante Wealth 1:27:12
1:27:12
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Andy chats with fellow retirement planner Victor Medina, CFP®, RICP®, CELA® from Palante Wealth. In this episode they talk about a wide array of retirement planning topics such as tax planning, distribution strategies, investing, annuities, long-term care insurance, how to help advise people who are spending more than planned, what consumers often overlook in retirement planning and much more! Links in this episode: Victor's company's website - Palante Wealth Victor's podcast - Retirease Radio Simon Sinek website - 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

I'm a buffoon and I missed including another important pro of doing an employer plan-to-IRA rollover in episode #110's list of pros and cons of rollovers. The additional potential pro is the ability to do Qualified Charitable Distributions ("QCDs") out of the IRA if you're at least 70 1/2 and charitably inclined. So, the recap the full list of pros (including QCDs) and cons of doing an employer plan-to-IRA rollover: Potential PROS of rolling over an employer plan to an IRA or Roth IRA: More investment options Likely lower fees and costs Access to professional advice Better control over tax withholdings More withdrawal options Less Required Minimum Distributions ("RMDs") to manage Less financial clutter Gain the ability to do Qualified Charitable Distributions ("QCD") Potential CONS of rolling over an employer plan to an IRA or Roth IRA: May lose the ability to take early distributions without penalty May lose the ability to cleanly do backdoor Roth IRA contributions May lose the ability to continue to delay RMDs from that plan (if you're still working at that employer) Lose the ability to take loans from the money May lose the ability to take advantage of Net Unrealized Appreciation ("NUA") of company stock May lose access to a stable value or managed income portfolio investment option Potentially less creditor protection 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 #110 - Pros and cons of rolling over employer plans [like a 401(k)] to an IRA 1:05:22
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Andy summarizes the pros and cons of rolling over an employer plan (such as a 401(k), 403(b), 401(a), 457 or the federal Thrift Savings Plan) to an IRA or Roth IRA. To sum up: Potential PROS of rolling over an employer plan to an IRA or Roth IRA: More investment options Likely lower fees and costs Access to professional advice Better control over tax withholdings More withdrawal options Less Required Minimum Distributions ("RMDs") to manage Less financial clutter Potential CONS of rolling over an employer plan to an IRA or Roth IRA: May lose the ability to take early distributions without penalty May lose the ability to cleanly do backdoor Roth IRA contributions May lose the ability to continue to delay RMDs from that plan (if you're still working at that employer) Lose the ability to take loans from the money May lose the ability to take advantage of Net Unrealized Appreciation ("NUA") of company stock May lose access to a stable value or managed income portfolio investment option Potentially less creditor protection Links in this episode: Summary of the creditor protection of IRAs and Roth IRAs by state - 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 #109 - Q&A edition...how to know if your 401(k) is good, how much tax to withhold from Social Security, should you invest in International stocks and MORE! 43:43
Listener Q&A where Andy talks about: How to know if your 401(k) is good ( 5:57 ) Is it safer to bank at multiple banks instead of just one ( 14:33 ) How much tax should you withhold from your Social Security ( 21:10 ) Whether each spouse needs to take out excess Roth IRA contributions if only one spouse's income put their Married Filing Joint total income over the Roth IRA contribution eligibility threshold ( 25:20 ) Should you hire an advisor for a one-time Roth conversion analysis and plan if they claim it can save you millions in lifetime taxes ( 27:20 ) Should you own international stocks in your stock allocation ( 31:58 ) To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com Links in this episode: Form W-4V to have federal taxes withhold from your Social Security payments - here Dinkytown online tax return calculator - here My YouTube video on fixing excess Roth IRA contributions - here My article about the futility of trying to quantify the value of Roth conversions - 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 #108 – Retirement planning chat with "real" people, Ali & Alison Walker 1:38:27
1:38:27
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Andy chats with real people (not advisors) doing their own retirement planning. In this episode, Andy talks with Ali & Alison Walker, who live in Arizona currently but lived and traveled abroad for a few years after retiring. They talk about a wide array of retirement planning topics such as when Ali & Alison started getting serious about retirement planning, what they wish they would have known earlier, how they planned for the non-financial aspects of retirement, and a variety of financial topics such as Social Security, investing, portfolio distributions, how they plan to address any potential long term care scenarios and more! Links in this episode: Ali & Alison's website - All Options Considered Better Investing organization - here Tanja Hester's Our Next Life blog - 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…
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Retirement Planning Education, with Andy Panko

1 #107 – Retirement planner chat, with Mike Powers from Manuka Financial 1:51:51
1:51:51
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Andy chats with fellow retirement planner Mike Powers, CPA, PFS, CFP®, from Manuka Financial. In this episode they talk about a wide array of retirement planning topics such as tax planning, distribution strategies, investing, annuities, long-term care insurance, how to help advise people who are spending more than planned, what consumers often overlook in retirement planning and much more! Links in this episode: Mike's company's website - Manuka Financial Michael Kitces website - here Mr Money Mustache blog - here ChooseFI financial independent community - here Early Retirement Now website - here Allan Roth from Wealth Logic - here David Hulstrom from Financial Architects - 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…
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Retirement Planning Education, with Andy Panko

Andy talks about the main points to consider when deciding when to start your Social Security retirement benefits Links in this episode: Tenon Financial June 2024 newsletter discussing how to optimize your Social Security claiming decision - here Retirement Planning Education June 2024 blog discussing how to optimize your Social Security claiming decision - here My YouTube video - Calculating Your Social Security Primary Insurance Amount 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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