Retirement Planning Education, with Andy Panko

Mar 05 2025 144 ep. 50 mins 210

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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#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

#134 – Retirement planning chat with a "real" person, Brian Alexander

Jan 15 2025 61 mins

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-newslett

#133 – Retirement planner chat, with Eric Niergarth from Retirement Roadmap Financial Planning

Jan 08 2025 69 mins

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 plannin

#132 - Why the value in financial advisory services can't actually be measured

Jan 01 2025 57 mins

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 AlphaMy article - How Much are Your Servi