Retirement Planning Education, with Andy Panko

By Andy Panko

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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The podcast currently has 224 episodes available.

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Number 1: #219 - Q&A edition...paying down a mortgage vs paying tax on Roth conversions, Social Security survivor benefits, converting ALL pre-tax money to Roth, updating account beneficiaries, and MORE!
Listener Q&A where Andy talks about: Whether to use money in a 457b to pay down a mortgage or to pay taxes on Roth conversions ( 7:56 )How Social Security survivor benefits work, and the optimal ages for spouses to each claim their own Social Security ( 18:54 )His thoughts on why the Social Security trust fund hasn't been allowed to invest in equities ( 25:36 )Creating spreadsheets to replace financial planning software, and using it to help your ongoing retirement planning and projections ( 30:40 )His thoughts on whether someone should try to convert ALL of their pre-tax money to Roth ( 36:56 )Transferring/rolling money from an IRA to an HSA (Health Savings Account) ( 46:05 )Whether you have to start Medicare Part A if you start Social Security but are still covered by a spouse's employer's health insurance ( 49:18 )Updating beneficiaries on investment accounts after one of the beneficiaries passes ( 53:17 )His thoughts on whether comparing a portfolio's investment returns to those of the S&P 500 is appropriate, and whether it's okay to hold bonds as investments ( 58:22 ) To send Andy questions to be addressed on future Q&A episodes, email [email protected] Andy's LinkedIn profile: https://www.linkedin.com/in/andypanko/ Links in this episode:Tenon Financial's March 2026 newsletter - Gifting, annual gift exclusions, gift taxes and gift tax returns (IRS Form 709)Tenon Financial's March 2024 newsletter - Don't compare your portfolio's returns to those of the S&P 500Tenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com
August 27, 20261h 6min
Number 2: #218 – "Real" person retirement planning chat with Mark
Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Mark. They talk about a wide array of retirement planning topics such as when he started getting serious about planning for retirement, how he got comfortable going from accumulation to decumulation mode, how he and his wife are navigating health insurance prior to Medicare eligibility, why he randomly showed up in Andy's office one day, and more! Links in this episode: Tenon Financial monthly e-newsletter - Retirement Planning InsightsYouTube 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's LinkedIn profile: https://www.linkedin.com/in/andypanko/
August 20, 20261h 42min
Number 3: #217 - Q&A edition...unrealized gains in brokerage accounts, variable withdrawal strategies, unused 529 funds, protecting against fraud from advisors and MORE!
Listener Q&A where Andy talks about: How to sell and rebalance positions in a brokerage account when they have unrealized gains and you're trying to be tax-efficient about it ( 7:06 )His thoughts on a few different variable portfolio withdrawal strategies, namely Amortization Based Withdrawals ("ABW"), Total Portfolio Allocation Withdrawals ("TPAW") and Big ERN's CAPE-based approach ( 14:10 )Converting to a Roth IRA money you plan on spending in the near-term, instead of outright distributing it to your bank or brokerage account to be spent from there ( 23:18 )Whether doing Roth conversions or backdoor Roth contributions are ultimately the same thing from a tax planning perspective ( 28:02 )His thoughts on deciding which type of advisor and/or advisory fee model might make the most sense for you when considering the potential fees to be paid to an advisor over a lifetime ( 33:41 )At what point should you just take out unused 529 funds and pay tax and penalty on the gains, assuming you have no expectation they'll eventually get to be used for qualified education expenses ( 40:15 )Potential ideas for small or solo advisory firms to establish a succession plan in the event of the death or incapacitation of the advisor ( 45:26 )What to look for in an advisory relationship to help minimize the risk of the advisory committing fraud with your money ( 50:50 )Whether to live off cash for multiple years - assuming you have saved that much cash - or instead pull from your investment accounts ( 56:53 )His thoughts on Securities Backed Lines of Credit, or SBLOCs, from brokerage firms ( 1:00:35 ) To send Andy questions to be addressed on future Q&A episodes, email [email protected] Andy's LinkedIn profile: https://www.linkedin.com/in/andypanko/ Links in this episode: Tenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com
August 13, 20261h 10min
Number 4: #214 - Q&A edition...Roth conversions, directionality vs precision, separately managed accounts, tax return extensions and MORE!
Listener Q&A where Andy talks about: Should Roth conversion analysis look at marginal or effective tax rates ( 4:21 )His thoughts on why qualified Roth account distributions might eventually be included in certain measures of Modified Adjusted Gross Income ("MAGI") ( 8:28 )What other MAGIs are potentially impacted and should be watched out for with doing Roth conversions ( 12:38 )The difference between "directionality" and "precision" in retirement planning ( 20:40 )Is it reasonable for an advisor to charge you extra for outsourcing some of their investment management to a separately managed or sub-managed account ( 25:38 )His thoughts of reinvesting a deferred compensation plan to all cash when the plan will soon begin paying out its deferred payments ( 29:34 )His thoughts on using multiple dividend and fixed income funds to create a "high income sleeve" for near-term distribution needs ( 35:25 )Whether it's accurate that you can indirectly file a tax return extension simply by making an online tax payment and select "extension" as the reason for the payment ( 39:05 )Can a minor with less than $400 of self-employment income not file a tax return yet still be eligible to contribute to a Roth IRA ( 44:56 )How he helps clients balance Fear of Missing Out ("FOMO") and Fear of Running Out ("FORU") ( 52:04 )How much of his planning work with clients is computational vs psychological ( 54:42 )His thoughts on the gamification of investing, and the prediction markets ( 58:11 )Why there are so many different funds like buffered ETFs and option trading ETFs, at higher expense ratios, when many can just invest in a few basic low-cost ETFs ( 1:00:36 ) To send Andy questions to be addressed on future Q&A episodes, email [email protected] Andy's LinkedIn profile: https://www.linkedin.com/in/andypanko/ Links in this episode: Episode 207 of the podcast - Roth conversion analysis; more than meets the eye Tenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com
July 23, 20261h 9min
Number 5: #211 – 8 common tax planning mistakes often made in retirement
Andy discusses common tax planning mistakes often made in retirement. Additionally, he shares insight on how to attempt to prevent such mistakes, and/or fix them after they've happened The 8 common mistakes are:Not paying enough income tax timely throughout the year, and having underpayment penalties as a resultMissing or not taking the correct amount of Required Minimum Distributions (“RMDs”)Having improper beneficiary designationsNot properly applying Roth account withdrawal rulesNot understanding IRA “basis” and the pro rata ruleNot being as tax-efficient as possible with charitable givingNot managing Modified Adjusted Gross Income (“MAGI”)Not planning for state-specific income tax considerations Links in this episode:My YouTube video - How Much Estimated Tax to PaySummary of RMD factors from the Retirement Planning Education website's - Free StuffIRS summary of RMDs - hereMy company's newsletter - Required Minimum Distribution ("RMD") Rules from Inherited IRAsMy YouTube video - Roth IRA Withdrawal Rules My YouTube video reply of the webinar - IRA after-tax "basis," the pro rata rule and Form 8606My YouTube video - How to give to charities tax-efficientlyMy company's newsletter - How to donate to charities tax-efficientlyMy YouTube video - What is Modified Adjusted Gross Income, or "MAGI" Tenon Financial monthly e-newsletter - Retirement Planning InsightsYouTube 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]
July 02, 20261h 14min