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  • #139 – Retirement planning chat with a "real" person, John McLaurin

    #139 – Retirement planning chat with a "real" person, John McLaurin
    2025/02/20

    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 more!

    Links in this episode:


    • The book John mentioned - The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child's Life


    • 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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    58 分
  • #138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning

    #138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning
    2025/02/13

    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 this episode:

    • Liz's advisory company website - Dependent Financial Planning
    • Liz's LinkedIn profile - Elizabeth (Wolleben) Yoder


    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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    1 時間 13 分
  • #137 - 7 scenarios where it might be beneficial to do Roth conversions

    #137 - 7 scenarios where it might be beneficial to do Roth conversions
    2025/02/06

    Andy discussed seven common scenarios where it might be beneficial to do Roth conversions:

    1. You know your income now is much lower than it will be in the future
    2. You're married (and may eventually be single)
    3. You have large pre-tax accounts
    4. Your eventual heirs are likely to be in higher tax situations than you currently are
    5. Your plan on moving to a state that will have higher income taxes than your current state
    6. You're convinced tax rates will increase markedly in the future
    7. You want greater tax "diversity" amongst your investable accounts


    Links in this episode:

    • Tenon Financial newsletter summarizing the 7 potential Roth conversion scenarios - 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
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    53 分
  • #136 - Guest host edition...Mike Powers walks through his retirement planning checklist

    #136 - Guest host edition...Mike Powers walks through his retirement planning checklist
    2025/01/30

    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 questions - here
    • Mike's company's website - Manuka Financial


    • 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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    33 分
  • #135 - Q&A edition...understanding financial advisor's titles, repeal of Social Security WEP & GPO, umbrella insurance and MORE!

    #135 - Q&A edition...understanding financial advisor's titles, repeal of Social Security WEP & GPO, umbrella insurance and MORE!
    2025/01/23

    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 previously discussed Q&A topic about how much umbrella insurance to purchase ( 31:18 )
    • How income is taxed to a recently deceased person vs their heirs or their estate ( 37:08 )
    • How best to gift money to grandchildren to get them started with saving and investing ( 42:10 )
    • Understanding a bond or bond fund's "duration" and how to use it measure the bond or bond fund's interest rate price change risk. And what it means to have a recommended "holding period" for a bond fund ( 46:45 )


    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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    57 分
  • #134 – Retirement planning chat with a "real" person, Brian Alexander

    #134 – Retirement planning chat with a "real" person, Brian Alexander
    2025/01/16

    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:

    • 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 1 分
  • #133 – Retirement planner chat, with Eric Niergarth from Retirement Roadmap Financial Planning

    #133 – Retirement planner chat, with Eric Niergarth from Retirement Roadmap Financial Planning
    2025/01/09

    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 often overlook in retirement planning and much more!

    Links in this episode:

    • Eric's advisory company website - Retirement Roadmap Financial Planning


    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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    1 時間 9 分
  • #132 - Why the value in financial advisory services can't actually be measured

    #132 - Why the value in financial advisory services can't actually be measured
    2025/01/02

    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
    • My article - How Much are Your Services Worth?
    • My article - Advisors Fees are Broken


    • 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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    57 分