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Artwork for Retirement Planning Education,

Retirement Planning Education, with Andy Panko

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

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

PublishesWeeklyEpisodes205Founded4 years ago
Number of ListenersCategory
Education

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Artwork for Retirement Planning Education,

Latest Episodes

Guest host Mark Rosinski, CFP®, CPA, RICP®, from Dunes Financial does a "hot topics" episode where he talks about:

• US Government obligation interest and what to look for on your consolidated 1099 to make sure you properly reflect the state income ... more

Listener Q&A where Andy talks about: 

• Correction to a previous Q&A episode regarding taxation of lump sum Social Security benefits paid in one year for benefits attributable to the prior year ( 9:54 )

• His thoughts on artificial intelligence and ... more

Special edition 200th episode where Andy shares some of his observations about the financial services industry from his time working in it:

• Creating good and consistent content is hard to do and do well ( 9:32 )

• A lot of content is just clickbai... more

Andy and Jonathan Vance from Vance Financial Planning share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about:

• Given current world affairs and their impacts on the markets... more

Key Facts

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Recent Guests

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
Kevin Sebesta
A FIRE practitioner and coach in the Rock Retirement Club
Rock Retirement Club
Episode: #192 – "Real" person chat with Kevin Sebesta from the Rock Retirement Club, discussing FIRE...Financial Independence, Retire Early
Jason Cutitta
A retirement planner and host of the Hawaii Retirement Show
ToBa Financial
Episode: #191 - "Hot topics" edition...Andy and Jason Cutitta talk about inheritances, Die With Zero, TSP in-plan conversion, taking RMDs and MORE!
Kevin Lyles
A retirement coach and member of The Rock Retirement Club
The Rock Retirement Club
Episode: #187 – "Real" person chat with Kevin Lyles from the Rock Retirement Club, discussing six "Retirement Truths"
Kevin Thompson
Founder and owner of 9i Capital Group, retirement-focused financial advisor
9i Capital Group
Episode: #182 - "Hot topics" edition...Andy and Kevin Thompson talk about the One Big Beautiful Bill Act, the markets, IRMAA, senior exploitation and MORE!
Beth Pinsker
MarketWatch columnist and author of My Mother's Money, A Guide to Financial Caregiving
MarketWatch
Episode: #179 – "Real" person chat with Beth Pinsker about her new book, My Mother's Money, A Guide to Financial Caregiving
Jackie Cummings Koski
Co-host of the Catching Up to FI Podcast and author of FIRE for Dummies
Catching Up to FI Podcast
Episode: #174 – Retirement planning chat with a "real" person, Jackie Cummings Koski

Host

Andy Panko
Host of Retirement Planning Education, focusing on clear, actionable retirement guidance.

Reviews

4.9 out of 5 stars from 1.3k ratings
  • Great Podcast

    Andy has a nice, easy going style and provides excellent and thorough information. He teaches the “why”. I also like how each episode of the month has a genre.

    Apple Podcasts
    5
    dhs4431
    United States16 days ago
  • Congrats on #200 Podcast🌟🌟🌟🌟🌟🌟🌟🌟

    20 Star Review! I believe that I have listened to almost if not all your podcasts. Thank you for providing tremendous information, a bit of levity and a number of dad jokes that I can share with my family! I even met our FA based on a late 2024 podcast. Wishing continued success. Your contribution of knowledge to many is immense!

    Apple Podcasts
    5
    Buy the print version
    United States17 days ago
  • One of my weekly favorites!

    Andy’s podcast is one of my faithful retirement podcasts. He has great accurate information and interesting topics. Keep up the great work Andy!

    I just listened to #200- Kudos to you. My husband and I found our current adviser relationship through your show. We love Brian T.

    Thank you for your hard work and good intentions.

    Apple Podcasts
    5
    cldalesa
    United States17 days ago
  • Great Advice

    This podcast is great! It’s nice to hear from an advisor that isn’t trying to sell you something, or scare you into hiring them. Keep it up Andy!

    Apple Podcasts
    5
    Crazymk6
    United States18 days ago
  • Love It

    Happy 200th Andy! I love your podcast. Thanks so much for sharing your knowledge. I especially love the tax facts and tips.

    Apple Podcasts
    5
    Relaxed30
    United States18 days ago

Listeners Say

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

The host's approachable style and practical examples are frequently praised.
Guests and topics are seen as valuable without sales pitches.
Listeners appreciate clear, down-to-earth explanations of retirement topics.

Chart Rankings

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

Apple Podcasts
#107
United States/Education

Talking Points

Recent interactions between the hosts and their guests.

#201 - Q&A edition...A.I. and financial planning, the "withhold and replace" method of paying taxes, step DOWN in basis, TIPS ladders and MORE!
Q: What about the 'Tips ladder' and using Treasury Inflation-Protected Securities to provide steady income before Social Security kicks in?
The host describes a laddered approach using CDs, MAGAs, Treasuries, or TIPS to create known cash flows with inflation protection, discusses advantages of predictability and risk control, and notes the trade-offs like opportunity costs and liquidity considerations.
#201 - Q&A edition...A.I. and financial planning, the "withhold and replace" method of paying taxes, step DOWN in basis, TIPS ladders and MORE!
Q: Can you explain the technique of using withholdings from an IRA conversion to pay federal taxes, and how it compares to traditional estimated payments?
Withholdings are treated as paying taxes evenly through the year, offering timing advantages and easier control for advisors; however, an audience member proposed a Roth conversion strategy using a 60-day rollover to fund the taxes, which the host explains can be optimized but involves careful planning and risk.
#201 - Q&A edition...A.I. and financial planning, the "withhold and replace" method of paying taxes, step DOWN in basis, TIPS ladders and MORE!
Q: AI is disrupting many industries. Please give me your take on how it may change the practice of financial planning.
The host notes that AI tools are rapidly increasing in use, particularly for note-taking and analyzing tax implications, but emphasizes that human review is essential for accuracy and compliance; AI is seen as a powerful efficiency aid rather than a wholesale replacement for human advisors.
#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!
Q: What is the core takeaway about handling market volatility for retirees?
Don't rush to alter your investment plan during downturns; assess risk tolerance, keep a long-term perspective, and use pre-planned asset allocations and Monte Carlo testing to guide adjustments.
#197 - Q&A edition...how often to rebalance, tracking Roth IRA contributions, are RMDs really that bad, paying off mortgages before retirement and MORE!
Q: What are the risks and considerations around paying off a mortgage before retirement when your tax picture could be better by keeping pretax money invested?
Paying off a mortgage with pretax money can reduce future required distributions and potential taxes, but it reduces liquidity and benefits of compounding tax-deferred assets. The decision depends on whether you value tax-efficient growth versus eliminating a fixed debt, your risk tolerance, and how it affects Medicare IRMAA; there isn't a one-size-fits-all answer, and it's worth modeling across many scenarios.

Audience Metrics

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

Listeners per Episode
Gender Skew
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Age Range
Household Income
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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?

The show centers on practical retirement planning, covering IRAs, Roth IRAs, employer plans, taxes, Social Security, Medicare, withdrawal strategies, estate planning, and related topics. Episodes mix Q&A sessions with guests and in-depth explorations of strategies (e.g., backdoor Roths, RMDs, tax planning) and real-life retirement experiences. Listeners likely range from near-retirees to seasoned retirees seeking down-to-earth explanations, actionable tips, and honest discussions without sales-drive. A notable strength is the host's approachable, often humorous style and the use of real people and industry guests to illustrate concepts clearly.

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

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How many listeners does Retirement Planning Education, get?

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How many subscribers and views does Retirement Planning Education, have?

To see how many followers or subscribers Retirement Planning Education, has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

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. Big Picture Retirement®
5. Stay Wealthy Retirement Podcast

How many episodes of Retirement Planning Education, are there?

Retirement Planning Education, launched 4 years ago and published 205 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Retirement Planning Education,?

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Where can I see ratings and reviews for Retirement Planning Education,?

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What guests have appeared on Retirement Planning Education,?

Recent guests on Retirement Planning Education, include:

1. Jonathan Vance
2. Jim Kellerman
3. Bradley Hilton
4. Kevin Sebesta
5. Jason Cutitta
6. Kevin Lyles
7. Kevin Thompson
8. Beth Pinsker

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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