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  • #148 - Q&A edition...buffer ETFs, direct indexing, bucketing strategies, kiddie tax and MORE!

    #148 - Q&A edition...buffer ETFs, direct indexing, bucketing strategies, kiddie tax and MORE!
    2025/04/24

    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
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    1 時間 3 分
  • #147 – Chat with four "real" people, sharing what they wish they would have known or done differently during their divorces

    #147 – Chat with four "real" people, sharing what they wish they would have known or done differently during their divorces
    2025/04/17

    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
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    1 時間 28 分
  • #146 – Retirement planner chat, with Mark Rosinski from Dunes Financial

    #146 – Retirement planner chat, with Mark Rosinski from Dunes Financial
    2025/04/10

    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
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    58 分
  • #145 - Understanding mutual fund capital gain distributions

    #145 - Understanding mutual fund capital gain distributions
    2025/04/03

    Andy discusses the ins and outs of mutual fund capital gain distributions, particularly in normal taxable brokerage accounts.


    Links in this episode:

    • Tenon Financial monthly e-newsletter - Retirement Planning Insights


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

    • 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
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    44 分
  • #144 - Q&A edition...Rule of thumb for retirement income needs, qualified vs ordinary dividends, Social Security taxation and MORE!

    #144 - Q&A edition...Rule of thumb for retirement income needs, qualified vs ordinary dividends, Social Security taxation and MORE!
    2025/03/27

    Listener Q&A where Andy talks about:

    • Whether the rule of thumb saying in retirement you'll need about 80% of what you were making in wages is on a gross or net of taxes basis ( 6:49 )
    • Understanding why some dividends are "qualified" and some are not, why they're taxed differently, and why dividends from bond funds aren't qualified ( 14:15 )
    • Whether the decision to start Social Security sooner vs later would change if Social Security were to no longer be federally taxable ( 22:09 )
    • Whether spouses can combine their 401(k) balances ( 27:03 )
    • What a Form 5498 is, and if you need it to do your tax return, considering it often isn't available until after April 15th ( 30:27 )
    • If you can still make a 2024 Roth IRA or traditional IRA contribution in early-2025 ( 31:40 )
    • Whether you can make a contribution to a Roth IRA via transferring shares "in-kind" from a brokerage account ( 37:23 )


    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
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    41 分
  • #143 – Retirement planning chat with a "real" person, Jim Jones

    #143 – Retirement planning chat with a "real" person, Jim Jones
    2025/03/20

    Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jim Jones. They talk about a wide array of retirement planning topics such as transitioning from owning a dental practice into retirement, investing, Social Security, when they got serious about retirement planning, and more!

    Links in this episode:


    • Jim's podcast - The JimJam


    • 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
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    1 時間
  • #142 - "Hot topics" edition...Andy and Mike Powers talk about tariffs, TIPs, international stocks, data/cyber security and MORE!

    #142 - "Hot topics" edition...Andy and Mike Powers talk about tariffs, TIPs, international stocks, data/cyber security and MORE!
    2025/03/13

    Andy and Mike Powers share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about:

    • Tariffs: what they are, who pays them, do they cause inflation, etc. ( 9:42 )
    • Pros and cons of Treasury Inflation Protected Securities, or TIPS ( 21:32 )
    • Whether or not to hold international stocks ( 37:07 )
    • Considerations about whether to de-risk your portfolio and hold more cash a as result of expecting market uncertainty going forward ( 48:21 )
    • Options for where to hold cash ( 54:33 )
    • Observations and things to consider regarding doing your tax return ( 1:03:20 )
    • Data and cyber security considerations ( 1:13:54 )


    Links in this episode:

    • Mike's article about TIPS - here
    • Mike's article on how to freeze your credit - here
    • Mike's article on properly reporting US government obligation interest on your tax return - here
    • Vanguard's forward-looking forecasts - here
    • California's one-time tax return penalty abatement - here



    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
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    1 時間 29 分
  • #141 - Determining how much Roth conversion to do in a given year

    #141 - Determining how much Roth conversion to do in a given year
    2025/03/06

    Andy discussed how to determine how much Roth conversion to do in a particular year (assuming you've decided Roth conversions make sense for you). He walks through how to do a current year income & tax projection, and what tax "targets" or "goals" are commonly used in determining how much conversion to do.


    Links in this episode:

    • DinkyTown 1040 online tax return projection tool - here
    • Tenon Financial monthly e-newsletter - Retirement Planning Insights


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

    • 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
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    52 分