Parhaat Retirement Planning Podcastit (2025)

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#148 - Q&A edition...buffer ETFs, direct indexing, bucketing strategies, kiddie tax and MORE! 1:03:04

7h ago1:03:04

1:03:04

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 strateg…

1
Who Will Decide For You? The Importance of Incapacity Planning | Repair The Roof Podcast 15:38

2d ago15:38

15:38

Ever thought about what happens if you become unable to make decisions for yourself? In this friendly chat, seasoned attorney Ted Gudorf explains why incapacity planning deserves your attention—right alongside planning for death. Ted clearly outlines essential documents, warns of common pitfalls like expensive court hassles and family squabbles, an…

1
#147 – Chat with four "real" people, sharing what they wish they would have known or done differently during their divorces 1:27:54

7d ago1:27:54

1:27:54

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 I…

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Protect Your Digital Assets: What Happens After You're Gone? | Repair The Roof Podcast 15:37

9d ago15:37

15:37

This conversation delves into the critical importance of planning for digital assets in estate planning. Ted Gudorf discusses what constitutes digital assets, the challenges families face when these assets are not properly managed after death, and the steps individuals should take to ensure their digital legacy is protected. He emphasizes the need …

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#146 – Retirement planner chat, with Mark Rosinski from Dunes Financial 57:50

14d ago57:50

57:50

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 …

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How to Build a Three Bucket Retirement Portfolio | The Limitless Retirement Podcast 18:23

16d ago18:23

18:23

Danny Gudorf highlights the critical role of a structured retirement income plan, outlining the three-bucket strategy as an effective method for achieving financial stability in retirement. His discussion clearly defines each bucket’s role, detailing how they collectively mitigate market volatility risks, fulfill retirees’ income requirements, and …

1
#145 - Understanding mutual fund capital gain distributions 43:48

21d ago43:48

43:48

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 [email protected] Facebook group - Retirement Planning Educatio…

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Is Your Retirement Investment Strategy Setting You Up for Disaster? | The Limitless Retirement Podcast 17:31

23d ago17:31

17:31

Financial advisor Danny explores essential elements of investing for retirement, stressing the need to adjust strategies as retirement draws nearer. He underscores the hazards of relying on obsolete investment approaches, the risks linked to excessive cash reserves, and the value of routinely assessing portfolio resilience. Danny presents the three…

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#144 - Q&A edition...Rule of thumb for retirement income needs, qualified vs ordinary dividends, Social Security taxation and MORE! 41:18

28d ago41:18

41:18

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…

1
Don't Let Beneficiary Designations Ruin Your Estate Plan | Repair The Roof Podcast 14:00

1M ago14:00

14:00

This conversation explores why beneficiary designations are a cornerstone of estate planning. It reveals how they can take precedence over wills and trusts, the risks of outdated designations, and why periodic reviews are essential. Practical tips for choosing beneficiaries wisely and keeping plans aligned with life changes are discussed. Takeaways…

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Before You Surrender Your Annuity Watch This! | The Limitless Retirement Podcast 13:44

1M ago13:44

13:44

Thinking about surrendering your annuity? Danny Gudorf warns about hidden fees, unexpected taxes, and why careful timing can make or break your financial future. He emphasizes the importance of understanding the structure of surrender fees, the potential tax liabilities associated with cashing out or transferring annuities, and the need for a compr…

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#143 – Retirement planning chat with a "real" person, Jim Jones 59:34

1M ago59:34

59:34

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 i…

1
#142 - "Hot topics" edition...Andy and Mike Powers talk about tariffs, TIPs, international stocks, data/cyber security and MORE! 1:29:19

1M ago1:29:19

1:29:19

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 stock…

1
Your Most Asked Estate Planning Questions—ANSWERED! | Repair The Roof Podcast 13:28

1M ago13:28

13:28

This conversation delves into the intricacies of estate planning, addressing common concerns and misconceptions. Ted Gudorf discusses the importance of clear legal designations, the role of trusts, the challenges of probate, and the necessity of planning for loved ones. He emphasizes proactive measures to avoid disputes and ensure that one's wishes…

1
What’s the Right Way to Transfer Your Home to Your Kids | Repair The Roof Podcast 11:22

2M ago11:22

11:22

In this conversation, estate planning attorney Ted Gudorf discusses the complexities of transferring property to children, particularly the pitfalls of gifting a home versus using a trust. He explains how gifting can lead to significant tax liabilities, such as capital gains taxes, and the complications of gift taxes. Gudorf advocates for the use o…

1
#141 - Determining how much Roth conversion to do in a given year 52:27

2M ago52:27

52:27

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 onli…

1
Ready to Retire in 2025? Follow These 3 Simple Steps | The Limitless Retirement Podcast 17:01

2M ago17:01

17:01

In this conversation, Danny Gudorf, a financial planner, discusses the essential steps for preparing for retirement. He emphasizes the importance of assessing one's financial condition, envisioning an ideal retirement, and connecting financial realities with retirement goals. Danny also addresses the common fears associated with retirement and prov…

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#140 - Q&A edition...Donor Advised Funds, back door Roth IRA contributions, 10-year Treasury bonds, crypto and MORE! 53:02

2M ago53:02

53:02

Listener Q&A where Andy talks about: Can Donor Advised Funds ("DAFs") be funded with pre-tax IRA money ( 2:22 ) How to do a backdoor Roth IRA contribution and avoid the pro rata rule if you have pre-tax funds in other IRAs ( 5:46 ) What are the must have important things to address and get right in retirement planning, vs what are nice to have opti…

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How to Legally Pay 0% Capital Gains Tax On $100,000 In Retirement Income | The Limitless Retirement Podcast 15:13

2M ago15:13

15:13

In this conversation, Danny Gudorf, a financial planner, discusses strategies for generating tax-free income in retirement, focusing on the 0% tax rate on capital gains. He explains how retirees can structure their income to take advantage of this tax benefit, emphasizing the importance of tax diversification and strategic planning. The discussion …

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Can a Living Trust Lower Your Taxes? | Repair The Roof Podcast 11:53

2M ago11:53

11:53

This conversation explores the relationship between living trusts and taxes, clarifying common misconceptions and outlining when living trusts can be beneficial for tax savings. Ted Gudorf, an experienced estate planning attorney, discusses the limitations of living trusts regarding income and estate taxes, while also highlighting scenarios where t…

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#139 – Retirement planning chat with a "real" person, John McLaurin 58:14

2M ago58:14

58:14

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with John McLaurin. They talk about a wide array of retirement planning topics such as planning for special needs and the "generational" planning involved, investing, Social Security, when they got serious about retirement planning, and m…

1
How Do Social Security Survivor Benefits Work? A Clear Breakdown | The Limitless Retirement Podcast 15:49

2M ago15:49

15:49

This conversation delves into the complexities of survivor benefits in social security, particularly focusing on what happens when a spouse passes away before claiming their own benefits. It covers eligibility criteria, various scenarios based on claiming timing, and the importance of strategic planning to maximize financial security for surviving …

1
#138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning 1:12:46

2M ago1:12:46

1:12:46

Andy chats with fellow retirement planner Liz Yoder, CFP®, ChSNC® from Dependent Financial Planning. In this episode they talk about a wide array of retirement planning topics with a particular emphasis on special needs planning and the unique considerations and areas to consider when you or your child has or is likely to have a disability Links in…

1
Avoid Losing Everything to Nursing Home Costs Medicaid Strategies That Work | Repair The Roof Podcast 4:49

2M ago4:49

4:49

This conversation focuses on crisis Medicaid planning, detailing how individuals can protect their assets while qualifying for Medicaid. Ted explains the eligibility requirements, asset limits, and various strategies available for both single individuals and married couples. He emphasizes the importance of legal planning and the role of Gudorf Law …

1
#137 - 7 scenarios where it might be beneficial to do Roth conversions 53:08

3M ago53:08

53:08

Andy discussed seven common scenarios where it might be beneficial to do Roth conversions: You know your income now is much lower than it will be in the future You're married (and may eventually be single) You have large pre-tax accounts Your eventual heirs are likely to be in higher tax situations than you currently are Your plan on moving to a st…

1
2025 Retirement Rule Changes What They Mean for Your Retirement | The Limitless Retirement Podcast 18:13

3M ago18:13

18:13

In this conversation, financial planner Danny Gudorf discusses the significant changes to retirement planning that will take effect in 2025. He covers various aspects including increased contribution limits for workplace retirement plans, the introduction of super catch-up contributions, changes to inherited IRA rules, and the new emergency savings…

1
Aging Risks Ahead Are You Prepared for What’s Coming | Repair The Roof Podcast 32:42

3M ago32:42

32:42

In this episode of the Repair the Roof podcast, host Ted Gudorf speaks with Mark George, owner of Issue Insurance Agency, about the significant trends affecting the aging population. They discuss the implications of increased longevity, the baby boomer demographic shift, and declining fertility rates on long-term care needs. Mark emphasizes the imp…

1
#136 - Guest host edition...Mike Powers walks through his retirement planning checklist 32:39

3M ago32:39

32:39

Special guest host, Mike Powers, CPA, PFS, CFP®, from Manuka Financial sits behind the microphone to walk through his 22-point retirement planning checklist, which includes financial, insurance and lifestyle considerations. Links in this episode: Mike's blog post about the retirement planning checklist - here George Kinder's life planning three que…

1
6 Critical LLC Formation Mistakes That Could Destroy Your Business | Repair The Roof Podcast 10:02

3M ago10:02

10:02

In this conversation, Ted Gudorf shares critical insights on forming a limited liability company (LLC) and highlights common mistakes entrepreneurs make during the process. He emphasizes the importance of selecting the right state for registration, the implications of management structure, and the necessity of a comprehensive operating agreement. B…

1
#135 - Q&A edition...understanding financial advisor's titles, repeal of Social Security WEP & GPO, umbrella insurance and MORE! 57:18

3M ago57:18

57:18

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 previousl…

1
How to Leave More Than Money: Legacy Planning with Stan Miller | Repair The Roof Podcast 37:57

3M ago37:57

37:57

"I think that the act of thinking about how to make the world a better place is transformative in the lives of humans." Join our host Attorney Ted Gudorf as he unlocks the secrets to impactful legacy planning with Stan Miller, a celebrated estate planning attorney and author. Stan takes us through his remarkable journey from the inception of his ca…

1
#134 – Retirement planning chat with a "real" person, Brian Alexander 1:01:05

3M ago1:01:05

1:01:05

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: …

1
#133 – Retirement planner chat, with Eric Niergarth from Retirement Roadmap Financial Planning 1:09:13

4M ago1:09:13

1:09:13

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 ofte…

1
#132 - Why the value in financial advisory services can't actually be measured 57:11

4M ago57:11

57:11

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 M…

1
Farm Succession Planning: Keeping the Family Farm in the Family | Repair The Roof Podcast 17:57

4M ago17:57

17:57

Today, our host Attorney Ted Gudorf discusses the ins and outs of farm succession planning, so that you can have peace of mind that your life's work is preserved for future generations! Ted tackles the emotional and practical challenges faced by baby boomer farmers as they approach retirement. Discover how to navigate the complex landscape of estat…

1
#131 - Q&A edition...mutual funds vs ETFs, traditional vs rollover IRAs, how much umbrella insurance to get and MORE! 56:44

4M ago56:44

56:44

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…

1
8 Must Know Year-End Tax Saving Strategies | The Limitless Retirement Podcast 18:35

4M ago18:35

18:35

In this conversation, Danny Gudorf, a financial planner, discusses eight powerful year-end tax saving strategies that can significantly impact your tax liabilities.He emphasizes the importance of these strategies in light of the impending expiration of the Tax Cuts and Jobs Act of 2017. The strategies include retirement plan contributions, tax loss…

1
#130 – Retirement planning chat with a "real" person, Peter Townsend 1:55:52

4M ago1:55:52

1:55:52

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!…

1
Navigating Farmland Values, Income Trends, and Estate Planning: A Conversation with Howard Halderman | Repair The Roof Podcast 37:57

4M ago37:57

37:57

Today, our host Attorney Ted Gudorf is joined by Howard Halderman of Halderman Companies to discuss the evolving challenges and opportunities in farm management across Indiana, Ohio, and Michigan. Despite record crop yields in 2023, farmers face decreased incomes due to lower commodity prices. Howard discusses fluctuating land values, noting a peak…

1
#129 – Retirement planner chat, with Andrew Gray from Gray Wealth Strategies 1:34:52

4M ago1:34:52

1:34:52

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 …

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#128 - How to decide whether to own or rent your home in retirement 43:26

5M ago43:26

43:26

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 Demysti…

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Are You Considering Part-Time Work in Retirement? Here Are 8 Key Factors | The Limitless Retirement Podcast 19:15

5M ago19:15

19:15

Today, our host Danny Gudorf discusses eight key factors to keep in mind when exploring part-time jobs and volunteer opportunities that fit your lifestyle in retirement. If there’s one key lesson to take away from this episode, it’s to seek balance between mental stimulation and physical activity while avoiding stress, as well as considering the ri…

1
#127 - Q&A edition...concentration in the S&P 500, direct indexing, how to transfer accounts from one broker to another and MORE! 53:38

5M ago53:38

53:38

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…

1
Why You May Need 20% Less Spending in Retirement. The Retirement Spending Smile | The Limitless Retirement Podcast 13:59

5M ago13:59

13:59

What would you do if your current retirement savings plan is built on a myth? Our host, Danny Gudorf, flips the script on traditional retirement planning by introducing a little-known, yet powerful concept called the “Retirement Spending Smile.” Through it, he demonstrates why you may actually need 20% less in retirement income than you think to li…

1
#126 – Retirement planning chat with a "real" person, Jane 1:12:00

5M ago1:12:00

1:12:00

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 Secu…

1
#125 – Retirement planner chat, with Jamie Lima from Woodson Wealth Management 1:33:01

5M ago1:33:01

1:33:01

Andy chats with fellow retirement planner Jamie Lima, CFP®, CDFA from Woodson Wealth Management and Allegiant Divorce Solutions. 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…

1
FINCEN’s Corporate Transparency Act: What Every Business Owner Needs to Know | Repair The Roof Podcast 17:00

5M ago17:00

17:00

"With penalties of up to three years in prison and a $10,000 fine for intentionally not complying, the implications of noncompliance are severe.” Ever wondered whether your business complies with the latest governmental regulations, or if you're at risk of severe penalties? Our host, Attorney Ted Gudorf, unravels the complexities of the Corporate T…

1
#124 - The basics of taxes and tax planning in retirement 1:00:28

6M ago1:00:28

1:00:28

Andy talks about the basics of what to know regarding taxes and tax planning in retirement. Topics discussed include: What sources of income are taxable vs non-taxable Required Minimum Distributions ("RMDs") from both your own accounts and inherited accounts How to pay taxes in retirement: withholdings vs making estimated payments Gifting tax-effic…

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#123 - My thoughts on 12 common financial and retirement planning rules of thumb 51:13

6M ago51:13

51:13

Special edition episode in which Andy shares his views on whether the below 12 rules of thumb are accurate or not: You should always contribute at least enough to your employer plan (like a 401(k)) to get the full employer match You shouldn't help your kids pay for college if it means shorting your own financial security in retirement You need at l…

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Medicaid's Five-Year Lookback Period Explained: Protect Your Assets! | Repair The Roof Podcast 18:04

6M ago18:04

18:04

"Medicaid planning isn't about beating the system, but ensuring that you or your loved ones can receive necessary care without unnecessarily depleting all your assets.” Unlock the secrets to safeguarding your financial future as our host Attorney Ted Gudorf guides us through the intricate world of Medicaid planning. Discover the crucial elements of…

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Retirement Planning podcastit

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