Listener Q&A where Andy talks about: 

• How to calculate how much money you can gift or donate in retirement without running out ( 8:47 )
• Does the five-year rule met by a previous Roth IRA carry over to a new Roth IRA ( 17:03 )
• Is it better to draw down an inherited IRA and delay starting Social Security, or vice versa ( 19:39 )
• Can distributions from an annuity in a 403(b) be used to meet Required Minimum Distributions in IRAs ( 23:37 )
• How to get cash flow or income from illiquid assets - such as real estate investments - when more income is needed than what's otherwise produced by the asset ( 31:21 )
• What are the drawbacks of investing in a total world stock market fund or total world bond market fund vs instead using multiple funds for stock and bond exposure ( 37:14 )
• If concerned about leaving money to an heir who may not be responsible for receiving a large inheritance, is it possible to pre-arrange for the purchase of an annuity upon death so the heir gets annuity income instead ( 44:48 )
• Should target date funds be used in conjunction with other funds, or just used by themselves ( 48:24 )
• When in an assisted living facility, how much of the facility's fees are deductible as medical expenses ( 53:50 )
• What's the best way to save money for a grandchild: 529 account, Uniform Transfer to Minors account or an account in your own name (with the grandchild named as beneficiary) ( 57:29 )

Link to Tax Planning to and Through Early Retirement 

To send Andy questions to be addressed on future Q&A episodes, email [email protected]

Links in this episode:

• 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