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Retirement Planning Education, with Andy Panko

Andy Panko
Retirement Planning Education, with Andy Panko
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  • #176 - Guest host Brian Tegtmeyer from Truly Prosper Financial Planning talks about the non-financial aspects of planning a great retirement
    In this special guest host episode, Brian Tegtmeyer from Truly Prosper Financial  Planning talks about how to address and plan for the non-financial aspects of retirement such as intellectual engagement, purposeful activities, health and fitness, relationships and more. And he also shares a quick exercise to do to see how you can measure your satisfaction in these various areas, and how to help intentionally address the ones you feel need improvementLinks in this episode:Truly Prosper Financials Planning's website - https://trulyprosperfp.com/Brian's first time on the Retirement Planning Education podcast - #085 – Retirement planner chat, with Brian Tegtmeyer from Truly Prosper Financial PlanningBrian's second time on the Retirement Planning Education podcast - #150 - "Hot topics" edition...Andy and Brian Tegtmeyer talk about retiring in a down market, concerns about Social Security, making estimated tax payments and MORE!Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, email [email protected]
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  • #175 - Q&A edition...The CAPE ratio and US stock market valuation, good enough vs optimization in retirement planning, tax on foreign stock dividends and MORE!
    Listener Q&A where Andy talks about: The CAPE (Cyclically Adjusted Price to Earnings) Ratio as a measure of whether the US stock market is overvalued or undervalued, and drawbacks with the CAPE Ratio ( 4:32 )The meaning of Benjamin Graham's quote "In the short run, the stock market is a voting machine, but in the long run it's a weighing machine" ( 17:07 )Helping clients overcome their frugality habits to enjoy more of their deferred spending from their nest eggs ( 19:18 )Understanding "duration" and what it means in bond funds ( 26:58 )How Annie Duke's concept of decision making and luck play into retirement planning ( 34:19 )Balancing between good enough and optimization in retirement planning ( 38:45 )Tax withholdings and credits on dividends from international stocks, and whether international stocks should be held only in normal brokerage accounts and not qualified accounts like IRAs and Roth IRAs ( 46:50 )Additional resources in understanding and calculating 72(t) Substantially Equal Period Payments ("SEPP") to avoid the 10% early withdrawal penalty on accessing retirement accounts before 59 1/2 ( 52:20 )A listener public service announcement about itemizable deductions for casualty losses due to federally declared disasters, and how IRS staffing issues and shutdowns exacerbate the inconvenience of the mandatory 20% federal tax withholding on 401(k) contributions ( 55:19 )To send Andy questions to be addressed on future Q&A episodes, email [email protected] in this episode:Link to Tax Planning to and Through Early Retirement My company newsletter - Retirement Planning InsightsFacebook 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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  • #174 – Retirement planning chat with a "real" person, Jackie Cummings Koski
    Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jackie Cummings Koski.But Jackie isn't just the typical "real" person doing her own retirement planning. She went the F.I.R.E. (Financial Independence Retire Early) route and left her corporate job in her late-40s. She's since expanded on the financial knowledge she gained during her F.I.R.E. journey to get a masters degree in financial planning and coaching, obtain the CFP® designation, author the book F.I.R.E for Dummies and become the cohost of the Catching Up to FI podcast!She's making the most of her retirement by being a financial educator to millions of people. She's since become a valuable contributor and presence to the financial community.In this episode, Andy and Jackie talk about her F.I.R.E. journey and how she became so knowledgeable in personal finance after not having much prior knowledge or experience in the subject, what her "number" was to achieve financial independence, some of the technical planning aspects of her retirement (such as how she's accessing her retirement account without penalty before age 59 1/2 and what she's doing for health insurance before Medicare), and how she became a trusted source of financial knowledge and education for millions of people! Links in the episode:Bill Stecker's 72(t) calculation website - https://72tcalc.com/Jackie's book, Money Letters 2 my Daughter - https://a.co/d/9p3wwDdJackie's book, F.I.R.E. for Dummies - https://a.co/d/5m0u5zEThe Catching Up to FI Podcast - https://catchinguptofi.com/To send Andy questions to be addressed on future Q&A episodes, email [email protected] Financial monthly e-newsletter - Retirement Planning InsightsFacebook 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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  • #173 – Retirement planner chat, with Allen Mueller from 7 Saturdays Financial
    Andy chats with fellow retirement planner Allen Mueller, CFA, CFP® from 7 Saturdays 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:Allen's advisory company website - 7 Saturdays FinancialAllen's blog - hereAllen's LinkedIn Profile - https://www.linkedin.com/in/allenrmueller/To send Andy questions to be addressed on future Q&A episodes, email [email protected] Financial monthly e-newsletter - Retirement Planning InsightsFacebook 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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  • #172 - The conflicts, pros, cons and use cases of the different advisory fee structures
    Andy shares his views on the few different ways in which people in the financial services/financial advisory industry can receive revenue:Commission-onlyFee-onlyHybrid or fee-basedLinks in this episode:My article in Rethinking65 - How Much Are Your Services Worth?Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, email [email protected]
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About Retirement Planning Education, with Andy Panko

Teaching you all about IRAs & Roth IRAs, employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies, annuities, estate planning and much more!
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