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• My thoughts on the recently repealed Windfall Elimination Provision ("WEP") and Government Pension Offset ("GPO") parts of Social Security ( 20:35 )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 [email protected]

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