Andy appeared as a guest/co-host on the September 23, 2024 episode of Rob Berger's YouTube live stream video series. In it, they discussed taxes and tax planning in retirement, as well as a host of other questions such as account rebalancing, Roth conversion analysis, and more! There was also plenty of live Q&A from Rob's loyal followers/watchers.

For those who don't already know, Rob Berger has one of the best YouTube channels out there for straight-shooting, educational and informative content about retirement planning and investing. You can find a link to the channel and this specific episode below.

Links in this episode:

• Rob's YouTube channel - here
• My YouTube episode with Rob - here

• 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

Listener Q&A where Andy talks about:

• Itemizing sales taxes on Schedule A of your tax return, particularly when living in two states during the year ( 6:30 )
• Considerations when deciding between taking a pension or its lump sum ( 11:51 )
• Should a recently widowed person take advantage of their last year of Married Filing Joint tax brackets and do a large Roth conversion or IRA distribution ( 25:03 )
• Understanding the pro rata rule when doing a Roth conversion when you have multiple IRAs and a 401(k) ( 31:40 )
• How the IRS knows if you didn't take Required Minimum Distributions ("RMDs") when you were supposed to ( 37:02 )
• How to ensure your Treasury interest received (including when received indirectly through a money market mutual fund) is properly reported as tax-free on your state tax return ( 41:36 )

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

Links in this episode:

• IRS sales tax deduction calculator - here
• Rob Berger's YouTube channel - here

• 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

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Alison (last name not disclosed). They talk about a wide array of retirement planning topics such as the unique planning considerations of having a spouse who's nearly 10 years younger and how an unexpected major medical condition a few years ago resulted in her being on long term disability, presumably through when she starts Social Security. They also talk about about what she wishes she would have known earlier and a variety of financial topics such as Social Security, how they got a late start in getting serious about saving for retirement and more!

Links in this episode:

• 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 Roger Whitney, CFP®, CIMA®, CPWA® from The Retirement Answer Man podcast. In this episode they talk about a wide array of retirement planning topics such as tax planning, investing, annuities, how to help advise people get over the hurdle of not wanting to spend their money, what consumers often overlook in retirement planning and much more!

Links in this episode:

• Roger's website - The Retirement Answer Man
• Bronnie Ware's book - The Top Five Regrets of the Dying
• Roger's workbook of info and questions about - Finding a Trusted Advisor

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

Andy summarizes the tax-related concepts to know when giving to charities, and summarizes a few ways in which to make your charitable donations as tax-efficient for you as possible

Links in this episode:

• IRS Publication 526 - here
• My YouTube video - How to Give to Charities Tax Efficiently
• My YouTube video - Overview of Federal Income Taxation

• 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

We're switching things up a bit! In this week's episode, guest host Mike Powers (from Manuka Financial; was a previous guest on the podcast) chats with the show's host, Andy Panko from Tenon Financial.

In the episode, they talk about a wide array of retirement planning topics and Andy's view and approach toward them, such as tax planning, distribution strategies, investing, annuities, long-term care insurance, how to help advise people who are spending more than planned, what consumers often overlook in retirement planning and much more!

Links in this episode:

• Andy' company's website - Tenon Financial
• Ed Slott's blog - The Slott Report
• Ed Slott's paid membership group for advisors - Elite IRA Advisor Group
• Michael Kitces blog - here
• Jeff Levine's X (formerly Twitter) page - here
• Bob Keebler home page - here
• Natalie Choate's book - Life & Death Planning for Retirement Benefits
• Investment News - www.InvestmentNews.com
• Wall Street Journal - www.WSJ.com
• Roger Whitney's Podcast - The Retirement Answer Man
• Jim Saulnier & Chris Stein's podcast - The Retirement & IRA Show
• Benjamin Brandt's podcast - Retirement Starts Today Radio
• Victor Medina's podcast - Retirease Radio
• Rob Berger's YouTube channel - here

• Mike's article about the questions to ask a prospective advisor - 9 Questions to Ask a Flat Fee (or any!) Financial Advisor as You Near Retirement

• My article about why it's disingenuous for advisors to pretend they can quantify their value in - How Much Are Your Services Worth?

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

Listener Q&A where Andy talks about:

• Can you retroactively increase your income for a prior tax year ( 2:37 )
• How to find a retirement planning tax specialist ( 8:16 )
• How the Medicare IRMAA premium surcharge income lookback works ( 17:24 )
• Determining how much mega back door Roth contributions to do ( 22:02 )
• Is it okay to employ your child part-time in your small business to give them earnings so you can contribute to a Roth IRA for them ( 28:07 )
• My thoughts on "bullet" maturity bond ETFs ( 31:30 )
• Whether reducing withdrawal rates or setting up a bucketing system eliminates Sequence of Returns Risk in retirement ( 43:27 )

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

Links in this episode:

• List of flat-free retirement planner referrals - here
• Link to the Facebook group post about Sequence of Returns Risk - here
• My YouTube video on Sequence of Returns Risk - here

• 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

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jane (an anonymous name). They talk about a wide array of retirement planning topics such as when she started getting serious about retirement planning, what she wishes she would have known earlier, what she learned from seeing her parents go through a long term care event with her father, and a variety of financial topics such as Social Security, investing, how she and her husband plan to address their own potential long term care scenarios and more!

Links in this episode:

• 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