Retirement Planning Education, with Andy Panko – Details, episodes & analysis

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Retirement Planning Education, with Andy Panko

Andy Panko

Education

Frequency: 1 episode/8d. Total Eps: 218

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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https://tenonfinancial.com/newsletter
195 shares
https://retirementplanningeducation.com/
162 shares
https://www.rockretirementclub.com/

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Score global : 37%

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#180 - Q&A edition...Social Security spousal and survivor benefits, finding an advisor who doesn't require investment management, how a decedent's income is taxed and MORE!

Thursday, November 27, 2025 • Duration 56:05

Listener Q&A where Andy talks about:

Starting Social Security benefits early so your minor children can claim dependent benefits, and how the earnings test can come into play if you're still working ( 5:53 )
Social Security spousal benefits, and what happens when the lower earning spouse starts their own benefit early at a reduced amount, then later switches to spousal benefits ( 10:35)
Social Security survivor benefits and whether the surviving spouse should start their own benefits earlier before eventually starting the survivor benefit, and whether there will be a reduction to the survivor benefit as a result ( 13:46 )
If spouses each have IRAs, does it matter from which IRA they take distributions ( 18:28 )
How income from a decedent's investments is taxed after the death of the decedent ( 23:01 )
Whether tax withholdings from wages is treated the same as tax withholdings from IRA distributions with regards to the IRS viewing the amount withheld as having happened evenly throughout the year to help avoid underpayment penalties and interest ( 30:57 )
How to find a financial advisor/planner who works on a limited engagement basis for just certain guidance or questions (such as Social Security claiming questions and tax return reviews), without requiring management of investments ( 36:49 )
Why do so many advisors require management of investments to provide their planning services, and how to find an advisor who doesn't (this is an extension of the previous question) ( 41:14 )
Using zero-coupon Treasury STRIPS in retirement for income after wages stop but before Social Security or other income sources start ( 45:40 )

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

Links in this episode:

Devin Carroll's Social Security Spousal Benefit Calculator
Finding an "advice-only" advisor - www.AdviceOnlyNetwork.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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#179 – "Real" person chat with Beth Pinsker about her new book, My Mother's Money, A Guide to Financial Caregiving

Thursday, November 20, 2025 • Duration 01:13:40

Andy chats with a real person (not an advisor), Beth Pinsker, a columnist for MarketWatch, about her new book, My Mother's Money, A Guide to Financial Caregiving.

In the book, Beth details her personal experience in becoming her mother's financial caregiver, both during her mother's end of life and health decline, and beyond her mother's death and through the estate administration process.

The book provides tons of practical knowledge, insight and recommendations for how to ensure your financial affairs are in order, that others who need access to information and accounts have it, that end-of-life planning scenarios are less painful and difficult than they otherwise would be and that estate administration isn't more cumbersome, lengthy and challenging than it needs to be.

This book is a must read!

Links in the episode:

Beth's website - https://bethpinsker.com/

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

#170 – Retirement planning chat with a "real" person, Scott

Thursday, September 18, 2025 • Duration 01:01:48

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Scott. They talk about a wide array of retirement planning topics such as leaving the workforce early than planned during COVID and later reengaging in part-time work to have social interaction, managing income for purposes of Affordable Care Act premium tax credits, how life and financial plans always change even in 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

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#081 – Retirement planner chat, with Larry Pershing from Optimum Retirement Planning

Thursday, January 11, 2024 • Duration 01:34:02

Andy chats with fellow retirement planner Larry Pershing, CFP®, RMA® from Optimum Retirement 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 someone has "enough" to retire, what consumers often overlook in retirement planning and much more!

Links in this episode:

Larry's company's website - Optimum Retirement Planning
Larry's Facebook group - Roth Conversions and Retirement
Larry's YouTube channel - 2 Minute Retirement Planning
The Early Retirement Now website/blog - here
The Michael Kitces website/blog - 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

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#080 – How to lower your taxes in 2024

Thursday, January 4, 2024 • Duration 35:49

Summary of the December 29, 2023 The Wall Street Journal article, To Lower Your Taxes in 2024, Make These Moves Now. The article gives a handful of tips on how to reduce your taxes (not actually just in 2024; the tips in the article can apply to ANY year)

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

Retirement Planning Education podcast Episode 27 about MAGI & AGI
Retirement Planning Education podcast Episode 71 about the capital gain exclusion on selling your primary residence
Retirement Planning Education podcast Episode 75 about Qualified Charitable Distributions ("QCDs")
Retirement Planning Education YouTube video about Estimated Taxes, Tax Withholdings and Underpayment Penalties

Retirement Planning Education is coming back!

Thursday, December 21, 2023 • Duration 11:13

You read that right...the Retirement Planning Education podcast is BACK! :-)

New weekly episodes will begin Thursday, January 4th 2024. Be there or be square.

Links in this episode:

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
Retirement Planning Insights newsletter - www.TenonFinancial.com/newsletter

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Retirement Planning Education is going on hiatus

Thursday, June 22, 2023 • Duration 03:25

Retirement Planning Education is going on hiatus. But hopefully I'll be back at making episodes again in the not too distant future!

-Andy

Links in this episode:

The Retirement & IRA Show - https://www.theretirementandirashow.com/

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

My company newsletter - https://tenonfinancial.com/newsletter

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#079 – The non-financial or “softer” side of retirement planning, with Kevin Lyles (Part 2 of 2)

Thursday, June 15, 2023 • Duration 30:57

Part 2 of 2 of my discussion with retirement coach Kevin Lyles where he shares his knowledge of planning for the “softer” side of retirement readiness through discussions about having meaning, purpose, fulfillment, etc. (original recording was from January 13 2021)

Links in this episode:

The Rock Retirement Club - www.RockRetirementClub.com
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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#078 – The non-financial or “softer” side of retirement planning, with Kevin Lyles (Part 1 of 2)

Thursday, June 8, 2023 • Duration 43:28

Part 1 of 2 of my discussion with retirement coach Kevin Lyles where he shares his knowledge of planning for the “softer” side of retirement through discussions about meaning, purpose, fulfillment, etc. (original recording was from January 13 2021)

Links in this episode:

The Rock Retirement Club - www.RockRetirementClub.com
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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#077 - Understanding cash value life insurance and how it's sold, with Kevin Lao

Thursday, June 1, 2023 • Duration 01:02:14

Andy and Kevin Lao from Imagine Financial Security discuss when cash value (aka permanent) life insurance may be appropriate, and what to know about the sales processes around such products

Links in this episode: