Andy Panko julkinen
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Listener Q&A where Andy talks about: How to establish tax residence in a new state, and how to leave tax residence in your old state Carrying over capital loss deductions Minimizing or eliminating underpayment interest penalties by "annualizing" income using Form 2210 When in the tax return season should you file your return Is an advisory fee of 1…
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Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Tom Santi, who lives in Florida and is currently in a part-time/transitional work phase leading toward retirement. They talk about a wide array of retirement planning topics such as when Tom started getting serious about retirement p…
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Andy chats with fellow retirement planner Devin Carroll, from Carroll Advisory Group. 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 someone has "enough" to retire, what consumers often overlook in retirement p…
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Explanation of what the S&P 500 index is, what it measures, how it works and why it's NOT the right benchmark to use for your portfolio and it's returns Links in this episode: Portfolio Visualizer website - here Tenon Financial monthly e-newsletter - Retirement Planning Insights Facebook group - Retirement Planning Education (formerly Taxes in Reti…
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Andy talks with Laura Adams, author and host of the The Money Girl podcast, about retirement planning considerations and issues unique to women Links in this episode: Laura's website - https://lauradadams.com/ Laura's podcast - The Money Girl Laura's newsletter - The Money Stack Tenon Financial monthly e-newsletter - Retirement Planning Insights Fa…
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Listener Q&A where Andy talks about: The summary of the five different tax return filing statuses Whether a particular listener could file as Head of Household for his 22 year-old son in college How to get the 1099-INT form if you sold any I Bonds last year Whether you can still do a 2023 Roth conversion now, in February 2024 What to look for and a…
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Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Bill Stevenson, a married military retiree currently living in Hawaii. They talk about a wide array of retirement planning topics such as when Bill started getting serious about retirement planning, what he wishes he would have known…
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Andy chats with fellow retirement planner Brian Tegtmeyer, CFP®, from Truly Prosper 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 someone has "enough" to retire, what consumers often overlo…
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Explanation of target date retirement funds and how they work, what their fees are, when they can make sense, pros and cons, etc. Links in this episode: Episode #060 of the Retirement Planning Education podcast about mutual funds Tenon Financial monthly e-newsletter - Retirement Planning Insights Facebook group - Retirement Planning Education (form…
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Listener Q&A where Andy talks about: For those who have solo 401(k) plans, when having to file Form 5500EZ is required What's tax gain harvesting and when it's beneficial How to select between online banks that offer high yield savings accounts Bonds vs bonds funds and what should be considered when figuring out how to invest the bond portion of yo…
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Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with David Folts, a married retiree in Ohio. They talk about a wide array of retirement planning topics such as when David started getting serious about retirement planning, what he wishes he would have known earlier, how he planned for t…
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Andy chats with fellow retirement planner Larry Pershing, CFP®, RMA® from Optimum Retirement 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 someone has "enough" to retire, what consumers often overloo…
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Summary of the December 29, 2023 The Wall Street Journal article, To Lower Your Taxes in 2024, Make These Moves Now. The article gives a handful of tips on how to reduce your taxes (not actually just in 2024; the tips in the article can apply to ANY year) Links in this episode: Tenon Financial monthly e-newsletter - Retirement Planning Insights Fac…
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You read that right...the Retirement Planning Education podcast is BACK! :-) New weekly episodes will begin Thursday, January 4th 2024. Be there or be square. Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)…
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Retirement Planning Education is going on hiatus. But hopefully I'll be back at making episodes again in the not too distant future! -Andy Links in this episode: The Retirement & IRA Show - https://www.theretirementandirashow.com/ Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Edu…
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Part 2 of 2 of my discussion with retirement coach Kevin Lyles where he shares his knowledge of planning for the “softer” side of retirement readiness through discussions about having meaning, purpose, fulfillment, etc. (original recording was from January 13 2021) Links in this episode: The Rock Retirement Club - www.RockRetirementClub.com Faceboo…
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Part 1 of 2 of my discussion with retirement coach Kevin Lyles where he shares his knowledge of planning for the “softer” side of retirement through discussions about meaning, purpose, fulfillment, etc. (original recording was from January 13 2021) Links in this episode: The Rock Retirement Club - www.RockRetirementClub.com Facebook group - Retirem…
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Andy and Kevin Lao from Imagine Financial Security discuss when cash value (aka permanent) life insurance may be appropriate, and what to know about the sales processes around such products Links in this episode: Kevin's firm, Imagine Financial Security - https://imaginefinancialsecurity.com/ Kevin's podcast, the "Planning for Retirement Podcast" -…
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Explanation of what financial planning is (and isn't) Links in this episode: www.adviceonlynetwork.com www.napfa.org www.feeonlynetwork.com www.garrettplanningnetwork.com www.xyplanningnetwork.com Retirement Planning Education podcast episode #015 - What do all of the letters mean after financial advisors' names Retirement Planning Education podcas…
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Explanation of what Qualified Charitable Distributions ("QCDs") are and why they're the most tax-efficient way to donate cash Links in this episode: Retirement Planning Education podcast episode #051 - Introductory overview of the federal income tax system Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel…
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Explanation of the process for how to part ways with your financial advisor Links in this episode: 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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Explanation of what it means to be a fiduciary and why that term has become a marketing buzzword Links in this episode: Boomer Benefits website - https://www.BoomerBenefits.com FINRA BrokerCheck - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement P…
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Explanation of "step up in basis" and how it can make unrealized taxable gains magically disappear when leaving property to heirs Links in this episode: Boomer Benefits Facebook group page - https://www.facebook.com/groups/508122746351903 Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Plan…
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Summary of the "Section 121" exclusion of up to $500k of gain on selling your primary residence Links in this episode: Boomer Benefits website - https://www.BoomerBenefits.com IRS Publication 523 - here My podcast about the Net Investment Income Tax - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel…
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Listener Q&A where Andy talks about: Whether or not to reinvest dividends when in retirement Capital gain exclusion when selling a primary residence, and the "step up in basis" when leaving a primary residence to heirs How the Social Security "earnings test" impacts benefits when under Full Retirement Age and still working How to amend a tax return…
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Summary of the key takeaways from the 2023 Social Security Trustees Report Links in this episode: Boomer Benefits website - https://www.BoomerBenefits.com SSA press release about the 2023 Trustees report, with link to the full report - https://www.ssa.gov/news/press/releases/2023/#3-2023-3 Facebook group - Retirement Planning Education (formerly Ta…
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Explanation of what happens to investments when a broker fails, and why that is a very different (and generally better) scenario for clients than a bank failing Links in this episode: Boomer Benefits Facebook group page - https://www.facebook.com/groups/508122746351903 Schwab's CEO, Walt Bettinger, on CNBC - https://www.aboutschwab.com/walt-betting…
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Discussion of the basics of the U.S.'s monetary and banking systems, and why there have recently been multiple bank failures. And, should we be concerned about the broader banking system and more failures going forward? Links in this episode: Boomer Benefits website - https://www.BoomerBenefits.com FDIC Electronic Deposit Insurance Estimator ("EDIE…
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Summary of the various tax forms retirees are likely to receive at tax return time. Discusses 1099s, 5498's, 1095's and more! Links in this episode: Boomer Benefits Facebook group - https://www.facebook.com/groups/BoomerBenefits Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Educa…
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Part 2 of 2 of my discussion with Social Security expert, Devin Carroll, where he debunks 7 common Social Security myths (original recording was from December 2020) Links in this episode: Devin's YouTube channel - https://www.youtube.com/@DevinCarroll Devin's blog - https://www.socialsecurityintelligence.com/ Devin's Facebook group - https://www.fa…
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Part 1 of 2 of my discussion with Social Security expert, Devin Carroll, where he debunks 7 common Social Security myths (original recording was from December 2020) Links in this episode: Devin's YouTube channel - https://www.youtube.com/@DevinCarroll Devin's blog - https://www.socialsecurityintelligence.com/ Devin's Facebook group - https://www.fa…
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Listener Q&A where Andy talks about: When Highly Compensated Employees may need to retroactively have some of their 401(k) contributions removed How changes in interest rates and inflation impact Social Security benefits Required Minimum Distributions (“RMDs”) from a 401(k) inherited in 2006 The difference in income taxation between revocable and i…
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Part 6 of 6 of a multi-part series on an introduction to investing. In this episode, Andy talks about how to create and manage your portfolio including what to consider when picking an asset allocation, how often to rebalance and how to do tax-efficient asset "location" Links in this episode: My YouTube video - What is Sequence of Returns Risk My Y…
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Part 5 of 6 of a multi-part series on an introduction to investing. In this episode Andy talks about the various places in which cash can be invested, as well gives a summary of multiple types of "alternative" investments such as real estate, commodities, hedge funds, interval funds and insurance products Links in this episode: My Podcast episode -…
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Part 4 of 6 of a multi-part series on an introduction to investing. In this episode Andy talks about mutual funds and exchange traded funds ("ETFs"); what they are, what strategies they use, how to trade them, how they're valued, tax considerations, etc. Links in this episode: My YouTube video What are Mutual Fund Capital Gain Distributions Faceboo…
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Part 3 of 6 of a multi-part series on an introduction to investing. In this episode Andy talks about bonds; what they are, how to trade them, how to value them, what makes their prices change, what terminology to know, etc. Links in this episode: My YouTube video about Bonds, Bond Prices and Bond Yields Facebook group - Retirement Planning Educatio…
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Part 2 of 6 of a multi-part series on an introduction to investing. In this episode Andy talks about stocks; what they are, how to buy and sell them, how to value them, what terminology to know, etc. Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (…
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Part 1 of 6 of an introduction to investing. This episode talks about some background considerations to investing, such as risk-reward trade off and the concepts of risk tolerance & capacity, and also gives an overview of the different types of investment accounts such as brokerage accounts, IRAs, 401(k)s, etc. Links in this episode: My YouTube vid…
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Summary of the provisions of the recently enacted SECURE 2.0 Act of 2022 legislation that are most likely to impact you and your retirement planning Links in this episode: Full text of SECURE 2.0 Act of 2022 (starts on page 817) - here Jeffrey Levine's awesome summary of SECURE 2.0 - here The U.S. Senate's formal summary of each provision of SECURE…
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Part 2 of 2 of my discussion with Amy Colton, MBA, CDFA, founder of Your Divorce Made Simple, to talk about financial planning considerations specific to divorce (original recording was from November 2021) Links in this episode: Amy's website - www.YourDivorceMadeSimple.com Facebook group - Retirement Planning Education (formerly Taxes in Retiremen…
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Part 1 of 2 of my discussion with Amy Colton, MBA, CDFA, founder of Your Divorce Made Simple, to talk about financial planning considerations specific to divorce (original recording was from November 2021) Links in this episode: Amy's website - www.YourDivorceMadeSimple.com Facebook group - Retirement Planning Education (formerly Taxes in Retiremen…
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Explanation of what tax planning is, and isn't. Andy discusses the typical types of services and advice that make up tax planning within retirement planning Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) N…
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Listener Q&A where Andy talks about: The differences between governmental and non-governmental (aka “tax-exempt”) 457(b) plans When Roth 401(k) conversions can be accessed without tax or penalty Whether certain mutual fund sales and purchases will constitute a wash sale Whether it’s better to purchase 10-year US Treasury notes sooner or later if yo…
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Explanation of the basic structure of the U.S. Federal income tax system Links in this episode: YouTube video - Overview of Federal Income Taxation YouTube video - Estimated Taxes, Tax Withholdings and Underpayment Penalties Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education…
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Andy discusses what he's thankful for with regards to his career in retirement planning, and more broadly about retirement planning in general Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Re…
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An introduction to the key aspects of estate planning Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning InsightsKirjoittanut Andy Panko
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Listener Q&A where Andy talks about: How the Social Security "Earnings Test" and "Family Maximum" are applied Whether RMDs can be delayed from a Solo 401(k) if still working How Social Security Survivor Benefits work If you can still contribute to a 401(k) if you're still working beyond RMD age What Tax Gain Harvesting is and how to use it Links in…
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Part 2 of 2 of my discussion with Danielle Roberts, founder of Boomer Benefits, to talk about all things Medicare (original recording was from October 2020) Links in this episode: 2023 Medicare Parts A & B premiums and deductibles, as well as Medicare surcharge (aka "IRMAA") income levels and surcharge amounts - here 2023 Medicare Part D catastroph…
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Part 1 of 2 of my discussion with Danielle Roberts, founder of Boomer Benefits, to talk about all things Medicare (original recording was from October 2020) Links in this episode: 2023 Medicare Parts A & B premiums and deductibles, as well as Medicare surcharge (aka "IRMAA") income levels and surcharge amounts - here 2023 Medicare Part D catastroph…
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Summary of Social Security Cost of Living Adjustments (or "COLAs") and whether the recently announced 2023 COLA of 8.7% will apply to you (spoiler alert...it doesn't apply to everyone!) Links in this episode: Monthly Consumer Price Index ("CPI") values from the Bureau of Labor Statistics - here YouTube video - Calculating Your Social Security Prima…
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