Listener Q&A where Andy talks about:

• Buffer ETFs and whether they can be used as replacements for CDs in building a ladder for upcoming years' expenses ( 4:29 )
• His thoughts on direct indexing and whether it's worth doing to try to make non-qualified accounts for tax-efficient ( 14:11 )
• Whether or not it's practical to implement a bucketing strategy ( 23:38 )
• Considerations to put into a will when there is a beneficiary who may be contentious or difficult to deal with ( 34:18 )
• Estate size exemptions and considerations for spouses splitting up accounts ( 42:55 )
• Annualizing income on Form 2210 when making estimated payments and income earned or recognized is lumpy or uneven throughout the year ( 48:37 )
• The "Kiddie Tax" and when it applies ( 54:27 )

To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

• 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

In this special edition "real" person chat, Andy talks with four different people who went through "gray" divorce (i.e. divorcing later in life; typically over the age of 50), to learn what they wish they would have known or done differently as they were going through the divorce process.

• 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 andy@andypanko.com

Andy chats with fellow retirement planner Mark Rosinski, CFP®, CPA from Dunes Financial. 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:

• Mark's advisory company website - Dunes Financial

• https://www.kitces.com/
• Wade Pfau - Retirement Planning Guidebook: https://www.amazon.com/Retirement-Planning-Guidebook-Navigating-Important/dp/194564009X
• Retirement & IRA Show: https://podcasts.apple.com/us/podcast/the-retirement-and-ira-show/id656868743
• All-In Podcast: https://podcasts.apple.com/us/podcast/all-in-with-chamath-jason-sacks-friedberg/id1502871393
• The Drive Podcast: https://podcasts.apple.com/us/podcast/the-peter-attia-drive/id1400828889
• The Retirement Nerds: https://www.youtube.com/@Theretirementnerds
• Car Dealership Guy: https://x.com/GuyDealership
• Colin Stroud: https://www.linkedin.com/in/gosomewhere/
  • His points service website: https://www.gosomewhere.world/
• Ramit Sethi MoneyDials: https://www.iwillteachyoutoberich.com/money-dials/

To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

• 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