Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jane (anonymous name). They talk about a wide array of retirement planning topics such as dealing with the unexpected death of a spouse, self-educating on retirement and tax planning, doing a really large Roth conversion, Social Security survivor benefits, healthcare options in retirement and more!

Links in this episode:

• The book Die With Zero - here
• The book The Psychology of Money - here
• The Bogleheads forum - 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 andy@andypanko.com

Andy chats with fellow retirement planner Jamie Lima, CFP®, CDFA from Woodson Wealth Management and Allegiant Divorce Solutions. 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! Also, Jamie interjects his experience and knowledge around divorce-related matters in the retirement and financial planning processes.

Links in this episode:

• Jamie's advisory company website - Woodson Wealth Management
• Jamie's divorce planning company website - Allegiant Divorce Solution
• Jamie's podcast - Broke Up, Not Broke(n)
• FINRA's BrokerCheck - here

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

Andy talks about the basics of what to know regarding taxes and tax planning in retirement. Topics discussed include:

• What sources of income are taxable vs non-taxable
• Required Minimum Distributions ("RMDs") from both your own accounts and inherited accounts
• How to pay taxes in retirement: withholdings vs making estimated payments
• Gifting tax-efficiently
• Making charitable donations tax-efficiently
• Overview of common long-term tax planning strategies:
  • Delaying Social Security and distributing from pre-tax accounts in the interim
  • Roth conversions
  • Tax loss and tax gain harvesting
  • Asset "location" of which investments to hold in which account types

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

Links in this episode:

• The Rock Retirement Club - here

• 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