Retirement Planning Education, with Andy Panko

Mar 26 2025 147 ep. 50 mins 211

Retirement Planning Education, with Andy Panko Podcast artwork

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

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

Mar 26 2025 41 mins

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 Se

#143 – Retirement planning chat with a "real" person, Jim Jones

Mar 19 2025 59 mins

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 - Th

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

Mar 12 2025 89 mins

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 whet

#141 - Determining how much Roth conversion to do in a given year

Mar 05 2025 52 mins

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

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

Feb 26 2025 53 mins

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 com

#139 – Retirement planning chat with a "real" person, John McLaurin

Feb 19 2025 58 mins

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 bo

#138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning

Feb 12 2025 72 mins

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 co

#137 - 7 scenarios where it might be beneficial to do Roth conversions

Feb 05 2025 53 mins

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 futureYou're married (and may eventually be single)You have large pre-tax accountsYour eventual heirs are likely to be in higher tax situations than you currently areYour plan on moving to a state that will have higher income taxes

#136 - Guest host edition...Mike Powers walks through his retirement planning checklist

Jan 29 2025 32 mins

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 - hereGeorge Kinder's life planning three questions - hereMike's company's webs

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

Jan 22 2025 57 mins

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