Retirement Planning Education, with Andy Panko

Listener Q&A where Andy talks about: 
Follow up thoughts on a previous question about whether it's better to use $27k of cash to make a mega backdoor Roth contribution, or to do a $100k in-plan Roth conversion and use the $27k to pay the taxes on it ( 4:01 )
Why the 4% rule isn't called the 3% rule, when working with an advisor who charges 1% of assets under management ( 13:52 )
His thoughts on how Artificial Intelligence might impact the advisory world with regards to service offerings and fee structures ( 17:25 )
Similarities and differences between Required Minimum Distributions ("RMDs") and annuity income ( 22:56 )
A few questions about Treasury Inflation Protected Securities, or TIPS: how they might fit into a retiree's portfolio, how to choose the length of maturity, if there is a minimum yield one should target to justify it, and thoughts on deciding what allocation to use between TIPS and equities ( 26:24 )
Social Security claiming thoughts for a married couple where one spouse doesn't have any earnings history or Social Security benefit of their own; should the other spouse not delay starting their benefit so the other spouse can start spousal benefits sooner? ( 39:56 )
If investing money for your child, how to decide between funding a Trump account or a Roth IRA ( 45:38 )
Whether Roth conversions would still make sense if you have to pay tax via distribution and withholding out of the conversion, instead of paying the tax out of "outside" funds such as cash from bank or brokerage accounts ( 50:15 )

To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com
Andy's LinkedIn profile: https://www.linkedin.com/in/andypanko/

Links in this episode:
Tenon Financial's August 2026 newsletter - Trump accounts; what they are, how they work, and use cases
Tenon Financial monthly newsletter/blog - Retirement Planning Insights
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

In this replay of Andy's recent guest appearance on the Catching up to FI podcast, Andy and hosts Bill Yount, MD, and Jackie Cummings Koski, CFP®, AFC®, talk all about traditional defined benefit pensions. What they are, how they work, how to decide between taking payments vs a lump sum and much more!

Links in this episode:
The original audio version of the Catching up to FI podcast episode - https://podcasts.apple.com/us/podcast/are-pensions-really-dead-the-surprising-value-of/id1664430924?i=1000785277603
The original YouTube version of the Catching up to FI podcast episode - https://youtu.be/vU_popXD2_A?si=QC3p1_gGvIRNjxFx
Catching up to FI website - https://catchinguptofi.com/

Tenon Financial monthly e-newsletter - Retirement Planning Insights
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
To follow Andy on LinkedIn: https://www.linkedin.com/in/andypanko/

Andy chats with fellow retirement planner Ryan Langan, CFP®, from Your Path Fi. 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, what consumers often overlook in retirement planning and much more!

Links in this episode:
Ryan's advisory company website - https://www.yourpathfi.com/

Tenon Financial monthly e-newsletter - Retirement Planning Insights
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

To follow Andy on LinkedIn: https://www.linkedin.com/in/andypanko/

Andy discusses what all is involved in moving to a new state, from a tax perspective...properly changing your "domicile" and "residence" to the new state. Spoiler alert: It's not necessarily as simple as buying a house and spending at least six months and a day in the new state!

Links in this episode:
My in-depth write-up of changing state domicile and residence, examples and court cases of people who did and didn't properly change their domicile and residence, and more! - How to move to a new state...tax compliantly

Tenon Financial monthly e-newsletter - Retirement Planning Insights
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

To follow Andy on LinkedIn: https://www.linkedin.com/in/andypanko/

Listener Q&A where Andy talks about: 
Whether to use money in a 457b to pay down a mortgage or to pay taxes on Roth conversions ( 7:56 )
How Social Security survivor benefits work, and the optimal ages for spouses to each claim their own Social Security ( 18:54 )
His thoughts on why the Social Security trust fund hasn't been allowed to invest in equities ( 25:36 )
Creating spreadsheets to replace financial planning software, and using it to help your ongoing retirement planning and projections ( 30:40 )
His thoughts on whether someone should try to convert ALL of their pre-tax money to Roth ( 36:56 )
Transferring/rolling money from an IRA to an HSA (Health Savings Account) ( 46:05 )
Whether you have to start Medicare Part A if you start Social Security but are still covered by a spouse's employer's health insurance ( 49:18 )
Updating beneficiaries on investment accounts after one of the beneficiaries passes ( 53:17 )
His thoughts on whether comparing a portfolio's investment returns to those of the S&P 500 is appropriate, and whether it's okay to hold bonds as investments ( 58:22 )

To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com
Andy's LinkedIn profile: https://www.linkedin.com/in/andypanko/

Links in this episode:
Tenon Financial's March 2026 newsletter - Gifting, annual gift exclusions, gift taxes and gift tax returns (IRS Form 709)
Tenon Financial's March 2024 newsletter - Don't compare your portfolio's returns to those of the S&P 500
Tenon Financial monthly newsletter/blog - Retirement Planning Insights
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com