Retirement Planning Education, with Andy Panko

Listener Q&A where Andy talks about: 
Can a spouse claim spousal benefits while delaying the start of their own benefit ( 10:40 )
What's the best way to view your accounts in terms of how much of them are actually yours after accounting for eventual taxes you have to pay on them ( 14:08 )
Can a minor be named as the beneficiary of a retirement account ( 23:28 )
His thoughts on dividend stocks and funds ( 26:55 )
Follow up thoughts about combining retirement account, in response to a previous listener question ( 34:43 )
Considerations and gotchas around changing state tax domicile ( 39:30 )
10 cognitive biases in investing, and which three I see the most in my practice ( 46:48 )
Considering the present value of expected future Social Security payments when determining asset allocation ( 54:25 )
Additional thoughts about the 4% rule and whether you can increase your distribution if your portfolio value increases ( 1:01:40 )

To send Andy questions to be addressed on future Q&A episodes, email [email protected]

Links in this episode:

NASDAQ's summary of 10 cognitive biases in investing - here 
Retirement Planning Education podcast episode - #002 - What's the 4% Rule

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. This episode is a bit different from our normal real people chats though. Andy is joined by Kevin Lyles from the Rock Retirement Club. Kevin is a retired corporate lawyer who has since become a certified retirement coach, focusing on helping people with the non-financial aspects of retirement.
In the episode, Andy & Kevin talk about six "Retirement Truths:"

You never know when you have enough; there are too many uncertainties and too many changes in life
The 90/10 rule; before retirement, planning is often 90% financial, 10% non-financial. In retirement, planning is often 90% non-financial, 10% financial
Searching for purpose can lead to frustration and failure to find it
Optimization is great. But don't let the elusive quest for perfect be the enemy of good. Don't let yourself get stuck in analysis paralysis
To thrive in retirement, we must continue to grow and achieve
Retirement isn't about money; it's about time. Tomorrow is not promised
 
 Links in this episode:

The Rock Retirement Club - 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 [email protected]

Andy and Cody Garrett from Measure Twice Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: 

Affordable Care Act ("ACA") tax credits and income "cliffs" in tax planning ( 08:13 )
Doing Roth conversions vs tax gain harvesting ( 22:30 )
Paying taxes in retirement; estimated payments vs withholdings ( 31:33 )
Rushing into Roth conversions ( 38:50 )
When to start doing HSA distributions ( 51:31 )
Should you be worried about tech stocks ( 58:23 )
Timing Required Minimum Distributions ("RMDs"); when in the year to take them ( 1:08:26 )
Retirement spending anxiety ( 1:17:37 )

Links in this episode:
Cody's website - https://www.measuretwicemoney.com/

To send Andy questions to be addressed on future Q&A episodes, email [email protected]

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 shares his thoughts and commentary about 2025 returns and events for:
U.S. stocks
International stocks
U.S. bonds
Gold & Silver
Bitcoin

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 [email protected]

Listener Q&A where Andy talks about: 
Potential advantages or disadvantages of consolidating retirement accounts ( 4:28 )
Paying taxes through IRA withholdings vs making estimated payments ( 13:08 )
Whether a minister's housing allowance impacts Affordable Care Act subsidy eligibility ( 26:11 )
When Qualified Longevity Annuity Contracts ("QLACs") might make sense to consider ( 30:27 )
When following the 4% "rule" for distributions, can you reset your initial distribution if/when your portfolio value increases from market gains ( 37:48 )
If someone has an outdated will and unused trust, but the person verbally stated their wishes to the heirs, is there a need to update will and/or trust, especially if there is currently nothing in the trust ( 49:19 )

To send Andy questions to be addressed on future Q&A episodes, email [email protected]

Links in this episode:

Tenon Financial August 2024 newsletter about - Retirement plan-to-IRA rollover pros and cons
Retirement Planning Education YouTube video - What is a QLAC (Qualified Longevity Annuity Contract)?
Retirement Planning Education podcast episode - #002 - What's the 4% Rule

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