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 [email protected]

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