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• My thoughts on the recently repealed Windfall Elimination Provision ("WEP") and Government Pension Offset ("GPO") parts of Social Security ( 20:35 )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

• 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

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-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

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

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 planning and much more!

Links in this episode:

• Eric's advisory company website - Retirement Roadmap Financial Planning

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

• Tenon Financial monthly e-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

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 Alpha
• My article - How Much are Your Services Worth?
• My article - Advisors Fees are Broken

• Tenon Financial monthly e-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

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

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]

• 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

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Peter Townsend. They talk about a wide array of retirement planning topics such as becoming self-educated in the details of retirement planning AFTER already retiring, Social Security, funding potential long term care needs and more!
 
 Links in this episode:

• Tenon Financial monthly e-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

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

Andy chats with fellow retirement planner Andrew Gray, CFP® from Gray Wealth Strategies. 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 planning and much more!

Links in this episode:

• Andrew's advisory company website - Gray Wealth Strategies

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

• Tenon Financial monthly e-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

Andy discusses the things to take into consideration when trying to decide whether to own or rent a home in retirement

• Tenon Financial monthly e-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

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

Listener Q&A where Andy talks about: 

• What to do about the concentration of the top few names in the S&P 500 ( 5:10 )
• What is direct indexing, when could it make sense and how to manage wash sales when direct indexing ( 13:21 )
• Whether you need to have taxes withheld from annuities or any other sources of income ( 30:39 )
• When it might make sense to buy an annuity for only a few years, such as five or 10 years ( 34:34 )
• If your only income is Social Security and IRA withdrawals, what level of IRA withdrawal will lead to income high enough that you will need to start paying income-based surcharges on Medicare ( 37:47 )
• How to transfer investment accounts from one broker/custodian to another ( 43:02 )

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

Links in this episode:

• The DinkyTown 1040 tax return calculator - here

• 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

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jane (anonymous name). They talk about a wide array of retirement planning topics such as dealing with the unexpected death of a spouse, self-educating on retirement and tax planning, doing a really large Roth conversion, Social Security survivor benefits, healthcare options in retirement and more!

Links in this episode:

• The book Die With Zero - here
• The book The Psychology of Money - here
• The Bogleheads forum - here

• Tenon Financial monthly e-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

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