Shows
Retirement Planning Education, with Andy Panko#121 – Retirement planning chat with a "real" person, Doug MannAndy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Doug Mann. They talk about a wide array of retirement planning topics such as retiring and living abroad in Thailand and the unique planning considerations involved with being abroad full-timeLinks in this episode:Doug's travel/photography website - www.photomann.comThe Rock Retirement Club - hereRetirePlan website - hereDoug's episode on Roger Whitney's Retirement Answer Man podcast - hereTenon Financial...2024-10-171h 26Retirement Planning Education, with Andy Panko#116 – Retirement planner chat, with Roger Whitney from the Retirement Answer Man podcastAndy chats with fellow retirement planner Roger Whitney, CFP®, CIMA®, CPWA® from The Retirement Answer Man podcast. In this episode they talk about a wide array of retirement planning topics such as tax planning, investing, annuities, how to help advise people get over the hurdle of not wanting to spend their money, what consumers often overlook in retirement planning and much more!Links in this episode:Roger's website - The Retirement Answer ManBronnie Ware's book - The Top Five Regrets of the DyingRoger's workbook of info and questions about - F...2024-09-121h 36Retirement Planning Education, with Andy Panko#114 – Retirement planner chat, with me...Andy Panko from Tenon FinancialWe're switching things up a bit! In this week's episode, guest host Mike Powers (from Manuka Financial; was a previous guest on the podcast) chats with the show's host, Andy Panko from Tenon Financial.In the episode, they talk about a wide array of retirement planning topics and Andy's view and approach toward them, such as tax planning, distribution strategies, investing, annuities, long-term care insurance, how to help advise people who are spending more than planned, what consumers often overlook in retirement planning and much more!Links in this episode:Andy' company's website - 2024-08-291h 54
Retirement Answer ManWhat Income Sources are Included for the IRMAA Calculation?You’ve got questions and we’ve got answers. On this episode of Retirement Answer Man, Taylor Schulte from the Stay Wealthy Podcast joins me to answer your retirement questions. Grab your earbuds and join us for this episode full of your questions. Make sure to listen to the pension or lump sum question to see how Taylor and I arrived at our differing opinions on what this listener should do with his pension. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [2:11] Which income sources are included in the IRMAA calculation?[10:12] On the retire...2024-07-241h 00Retirement Planning Education, with Andy Panko#099 – Retirement planning chat with a "real" person, Al DiSalvioAndy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Al DiSalvio, who lives in New Jersey and plans on retiring in 2025. They talk about a wide array of retirement planning topics such as when Al started getting serious about retirement planning, what he wishes he would have known earlier and a variety of financial topics such as Social Security, investing, Roth conversions, how he recently took a work assignment abroad and more!Links in this episode:Roger Whitney's Retirement Answer Man podcast - 2024-05-161h 02
Retirement Answer ManThe Challenges of FIREOver these past few weeks, we have been discussing the FIRE movement with Kevin Sebesta, a coach in the RRC who achieved FIRE some time ago and has been rocking retirement ever since. This week Kevin helps me explore the challenges that retiring early can bring. Listen in to hear if these are similar to the issues you face in retirement. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [4:58] The challenges of leaving traditional work early[10:55] Healthcare is one of the challenges[17:28] The non-financial challenges of FIRELISTENER QUESTIONS WITH ANDY PA...2024-02-2150 minRetirement Planning Education, with Andy Panko#085 – Retirement planner chat, with Brian Tegtmeyer from Truly Prosper Financial PlanningAndy chats with fellow retirement planner Brian Tegtmeyer, CFP®, from Truly Prosper 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 someone has "enough" to retire, what consumers often overlook in retirement planning and much more!Links in this episode:Brian's company's website - Truly Prosper Financial PlanningThe Michael Kitces website/blog - hereEd Slott website/blog - hereNatalie Choate's book - Life and Death P...2024-02-0859 min
Retirement Answer ManWhat Is the Ideal Mix Between Before and After Tax Retirement Accounts?Is there an ideal mix of before and after-tax retirement accounts? If so, what is it? In this episode, we’ll find out. We’ll also explore a number of other questions that have been eating away at listeners like you. Check out this episode to listen to these listener questions and stick around until the end to hear Kevin Lyle’s relief at no longer having to keep up with the Joneses. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [2:05] What is the ideal mix between before and after-tax retirement accounts?[6:46] What to do ab...2023-09-2027 min
Retirement Answer ManHow to Rock Retirement on Your OwnIf you have been listening to this show for a while, chances are you already know how to rock your retirement. However, this can all change with the loss of a spouse. All of your best-laid plans change in an instant. That’s why this month we are focusing on going from two to one. Learn how to navigate your mindset–transition from this sucks, to how I will work through this, to having a great life. Press play to listen. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [5:47] Announcements[6:44] Books I read i...2023-03-0143 min
Retirement Answer ManHow to Manage Inflation in Retirement: What Is Inflation and How Is It Measured?Inflation is quite the buzzword lately. Every news network reports that inflation is on the rise which is apparent at the grocery store, the car dealerships, and even in the housing market. If you are planning on retiring soon, worries about inflation could keep you up at night. This is why over the next 4 weeks, we are going to study how to manage inflation in retirement. Today you’ll learn what inflation is and how it is measured. In week two of this series, we’ll discuss how inflation affects retirement, the following episode will study how to ma...2022-02-031h 00
Retirement Answer ManListener Questions: Which Account Should I Withdraw from to Fill Up My Tax Bracket?Ever since listeners enjoyed our Retirement Tax Management series with Andy Panko we have received an influx of questions surrounding taxes. I’ll answer several questions today about filling up your tax buckets. I’ll also respond to queries about planning when to take Social Security when you will have excess RMDs and how to incorporate balanced funds into your asset allocation. Don’t miss this episode if you still have burning tax questions left over from last month’s series on retirement tax management. The Rock Retirement Club has so much to offer The Rock Retir...2021-11-0918 min
Retirement Answer ManRetirement Tax Management: How to Incorporate into Your Retirement PlanOver the past several episodes you have learned so much about tax planning in retirement. You learned why tax planning is important, all about the hidden tax bombs, and tools that you can use to defuse those tax bombs. Now it’s time to incorporate all of this newfound knowledge into your retirement plan.Andy Panko from Tenon Financial joins me once again to discuss how to incorporate tax planning into your retirement plan. Press play to hear how you can create a retirement plan that incorporates tax planning. How to become comfortable with uncertainty Oft...2021-10-2634 min
Retirement Answer ManListener Questions: I have Roth Conversion Questions!Roth conversions, HSAs, pension choices, risk management: these are the topics of today’s listener questions. Susan, Gina, IM, and Daniel all submitted their questions to me via RogerWhitney.com/AskRoger and you can too! If you have any retirement questions, or even if you simply want to leave a comment about the show, click on the link to present your question. Whether you are looking to learn more about HSAs, Roth conversions, or evaluate your pension choices, listening to other listeners’ questions can help you learn how to frame your own questions and consider your o...2021-10-2234 min
Retirement Answer ManRetirement Tax Management: The Tax ToolboxAre you worried that you won’t be able to live the life of your dreams in retirement? This is one of the main issues facing many people on the cusp of retirement. That’s why I created the Retirement Answer Man Show. I want to help you find the confidence to truly rock retirement.One way that you can become more confident in your retirement plan is by utilizing the tax planning tools that are available to you. Andy Panko from Tenon Financial is here to help you identify all the tools available in your tax tool...2021-10-2044 min
Retirement Answer ManRetirement Tax Management: Hidden Tax BombsHave you been incorporating tax management into your retirement plan? If you have, you won’t want to miss this series, and if you haven’t, you definitely won’t want to miss this series. Last week we set the stage for this retirement tax planning series when we discussed how planning for taxes can work within your retirement plan. This week we’ll make you aware of the hidden tax bombs that could wreck your retirement plan. In next week’s episode, we’ll learn which tools you can use to defuse those tax bombs, and then in the l...2021-10-1246 min
Retirement Answer ManRetirement Tax Management: Why It’s ImportantTax planning in retirement isn’t the same as in your working years. This is why we are dedicating an entire series to helping you understand how to manage your taxes in retirement. To help me navigate this complicated topic, I’ve invited retirement tax expert Andy Panko to join me for the whole month-long program. Over the course of this series, you’ll learn why tax planning is important in retirement, which tax land mines to look out for, what tools to include in your tax toolbox, and how to integrate tax planning into your retirement plan. Are you re...2021-10-0530 min
Retirement Answer ManRetirement Planning for Non-Planners: Investment BasicsAs the non-planner of your family, you may not be interested in all the nitty-gritty details of retirement investments, but it is important to know the basics. That’s why today we will cover the main concepts about investing your assets. Hopefully, my nutrition analogy will help make these financial concepts more understandable. Press play to hear what you need to know about investment basics for the non-planner. Investing in retirement is all about solving for risk Last week you learned how inflation and market volatility are the two risks to overcome when investing in retirement. Solving for...2021-09-2244 min
Retirement Answer ManListener Questions: How Should I Incorporate an Inherited IRA into my Retirement Plan?Welcome back to the last episode in this Listener Questions series. From time to time I step away from our usual monthly themes and dedicate an entire month to answering your questions. This week I have requested help from friends to answer your burning retirement questions. Press play to learn more about the rule of 55, Social Security, using HSAs before Medicare, and more. Will I regret not paying off my mortgage? Mark and his wife are planners. Most of their life has gone according to the plans they made; including their timeline for retirement. However, recently their ret...2021-07-0118 min
Retirement Answer ManAsset Allocation Ingredients: What is an Exchange Traded Fund (ETF)?If you have listened to this show for a while you know that I like to create a retirement withdrawal strategy based on the pie cake. However, we haven’t discussed what goes into the mix. Over the next several episodes, we’ll dive into the details of asset allocation. You’ll learn a bit about ETFs, mutual funds, separately managed accounts, and UITs. On this episode, in addition to answering listener questions with Andy Panko from Retirement Planning Demystified, you’ll learn about ETFs and their pros and cons. Building your pie cake In retirement...2021-04-0745 min