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Artwork for Retirement Planning Education,

Retirement Planning Education, with Andy Panko

Andy Panko
Retirement Planning
Social Security
Financial Planning
Roth Conversions
Tax Planning
Estate Planning
Investment Management
Roth IRA
Investment Strategies
Iras
Financial Independence
Medicare
Retirement
Long-Term Care
Tax Efficiency
Roth Iras
One Big Beautiful Bill Act
Special Needs Planning
Advisory Fees
Annuities

Teaching you all about IRAs & Roth IRAs, employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies, annuities, estate planning and much more!

PublishesWeeklyEpisodes229Founded5 years ago
Number of ListenersCategory
Education

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Artwork for Retirement Planning Education,

Latest Episodes

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Mike. They talk about a wide array of retirement planning topics such as how he learned important investing insights from Paul Merrim... more

Andy and Dan VanDusen from Objective Wealth share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about:

• How to decide between investing money for a child or grandchild in a 5... more

Andy discusses the basics of bonds, including:

• Basic features and functions of bonds

• The risks in bonds

• Bond issuers and maturities

• How bonds can be used

• How and why bond prices changes, and how interest rates impact prices

• Bonds vs bond... more

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 ... more

Key Facts

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Recent Guests

Andy Panko
Certified Financial Planner and founder of Tenon Financial; retirement planning educator
Tenon Financial
Episode: #222 - All about pensions...what they are, how they work, how to decide between taking lifetime payments or a lump sum, and MORE! [replay of Andy's appearance on the Catching up to FI podcast]
Ryan Langan
Founder of Your Path Fi
Your Path Fi
Episode: #221 - Retirement planner chat with Ryan Langan from Your Path Fi
Mark Ross
Coach and artist; Rock Retirement Club team host and coach; former city parks executive
Next Thing Group / Rock Retirement Club
Episode: #209 – "Real" person retirement planning chat with Mark Ross from the Rock Retirement Club
Adam Grossman
Advisor from Mayport Wealth Management
Mayport Wealth Management
Episode: #208 - "Hot topics" edition...Andy and Adam Grossman talk about analyzing annuities, retiring to a different state, bonds vs bond funds, inflation and MORE!
Brad Flood
Financial planner, Tenon Financial
Tenon Financial
Episode: #204 - "Hot topics" edition...Andy and Brad Flood talk about portfolio withdrawal strategies & sequence of returns risk, financial planning software limitations, balancing optimization and simplicity, and MORE!
Mark Rosinski
Founder of Dunes Financial
Dunes Financial
Episode: #202 – Guest host Mark Rosinski discusses Treasury obligation interest, basis in inherited IRAs, RMD aggregation rules, doubling up contributions to 457 plans, and ways to invest during the Social Security delay period
Jonathan Vance
From Vance Financial Planning, focuses on pre-retirees and retirees with a flat-fee model and tax planning emphasis
Vance Financial Planning
Episode: #199 - "Hot topics" edition...Andy and Jonathan Vance talk about opportunities in the current market environment, 2026 tax updates, questions to ask advisors and MORE!
Jim Kellerman
Retired professional living in Cincinnati; conducts estate planning work part-time and volunteers teaching in prisons
Estate planning partner in Cincinnati, volunteer prison instructor
Episode: #196 – "Real" person retirement planning chat with Jim Kellerman
Bradley Hilton
Founder of Sonas Financial Planning
Sonas Financial Planning
Episode: #195 - Retirement planner chat with Bradley Hilton from Sonas Financial Planning

Host

Andy Panko
Host of Retirement Planning Education, guide through retirement planning topics

Reviews

4.9 out of 5 stars from 1.4k ratings
  • Excellent information

    Excellent topics and information delivered in a practical and understand way.

    Apple Podcasts
    5
    Thanks123$&@"
    United States19 days ago
  • Knowledgeable, Practical, Grounded

    We are so appreciative of the real-life opportunities to broaden our retirement planning knowledge. All things point toward Andy being in this business for the right reasons. He is very knowledgeable, thoughtfully practical, and aligns to two of our guiding life principles: “find joy” and “you do you”. Definitely a worthy use of time for anyone considering retirement, finances, and making the best of their future.

    Apple Podcasts
    5
    GeoffandRob
    United States24 days ago
  • An Educators Heart

    Stumbled across this podcast weeks ago while searching for bond ladders.

    Have listed to probably 10 episodes. Straight forward information, explained in enough detail so you get it. I trust Andy’s heart to just share his knowledge with no other motives.

    Thank you for the good work.

    Apple Podcasts
    5
    HintHint12
    United Statesa month ago
  • Great Financial Podcast

    I listen to several financial podcast and I have to say this one is my favorite. I find all your topics to be very informative. I especially like how you go in depth on subjects as I am a financial nerd and study and love all things financial.

    Apple Podcasts
    5
    Ttritt55
    United Statesa month ago
  • Incredibly educational

    Excellent information and easy to digest. Thank you so much for providing the necessary info in such systematic and thoughtful ways to make them easy to understand. Thank you so much, Andy!

    Apple Podcasts
    5
    123-456-111
    United States2 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners appreciate the non-salesy approach and credible guest experts.
Broad range of retirement topics delivered in clear, practical terms.
A few episodes occasionally skew heavy on specifics, but still highly informative.
Admirable balance of technical detail and real-world applicability.
Engaging host personality with helpful, accessible insights.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#126
United States/Education

Talking Points

Recent interactions between the hosts and their guests.

#218 – "Real" person retirement planning chat with Mark
Q: How do you manage taxes in retirement and approach Roth conversions?
He uses what-if analysis with tax software to optimize net investment income tax and federal/state taxes, balancing RMDs, conversions, and future liabilities.
#218 – "Real" person retirement planning chat with Mark
Q: What would you tell your younger self about retirement planning after looking back?
He wishes he had started Roth contributions sooner, considered Roth alternatives earlier, and dug deeper into HSAs and tax planning, especially given high-income years.
#218 – "Real" person retirement planning chat with Mark
Q: When did you start to get serious about really planning for mapping out your retirement?
Mark says it started in his mid-20s after he joined AT&T and benefited from a 401(k) plan; his father also taught him about finance, which sparked long-term planning habits.
#219 - Q&A edition...paying down a mortgage vs paying tax on Roth conversions, Social Security survivor benefits, converting ALL pre-tax money to Roth, updating account beneficiaries, and MORE!
Q: Is it worth converting all pre-tax money to Roth now given tax rate uncertainties and IRMAA considerations?
The host cautions against a blanket move to convert everything; while rising tax rates can justify more Roth money, the decision hinges on assumptions about future tax brackets, Medicare surcharges, and long-term plan, with a balance between future tax diversification and the comfort level of the retiree.
#219 - Q&A edition...paying down a mortgage vs paying tax on Roth conversions, Social Security survivor benefits, converting ALL pre-tax money to Roth, updating account beneficiaries, and MORE!
Q: What are the implications of delaying Social Security for the surviving spouse and for the spouse starting benefits early?
delaying the higher earner's benefit generally preserves the larger survivor benefit for the spouse; the timing for the lower-earning spouse is less critical and depends on working status and retirement plans; the survivor benefit becomes the higher amount when the other spouse passes, subject to Full Retirement Age rules.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
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Frequently Asked Questions About Retirement Planning Education,

What is Retirement Planning Education, about and what kind of topics does it cover?

This show focuses on practical retirement planning, breaking down IRAs, Roth IRAs, employer plans, taxes, Social Security, Medicare, and withdrawal strategies with clear, actionable guidance. Episodes blend technical explanations with real-world examples, often featuring guest experts or real-person retirement stories to illustrate budgeting, healthcare access, and the emotional shift to decumulation. A standout trait is a disciplined emphasis on avoiding sales pitches, prioritizing education, and presenting a transparent view of fees, planning tools, and realistic scenarios to help listeners make informed decisions about their retirement journey.

Where can I find podcast stats for Retirement Planning Education,?

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Which podcasts are similar to Retirement Planning Education,?

These podcasts share a similar audience with Retirement Planning Education,:

1. Retirement Starts Today
2. Retirement Answer Man
3. The Retirement and IRA Show
4. Stay Wealthy Retirement Podcast
5. Big Picture Retirement®

How many episodes of Retirement Planning Education, are there?

Retirement Planning Education, launched 5 years ago and published 229 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Retirement Planning Education,?

Recent guests on Retirement Planning Education, include:

1. Andy Panko
2. Ryan Langan
3. Mark Ross
4. Adam Grossman
5. Brad Flood
6. Mark Rosinski
7. Jonathan Vance
8. Jim Kellerman

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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