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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
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!

PublishesWeeklyEpisodes226Founded5 years ago
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Education

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Artwork for Retirement Planning Education,

Latest Episodes

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

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 ... more

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, ... more

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 month... more

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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]
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
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

Host

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

Reviews

4.9 out of 5 stars from 1.4k ratings
  • 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 Statesa month ago
  • Excellent content, great detail across all aspects of retirement planning!

    Andy does an outstanding job of providing well thought out content with great detail leaving no stone unturned. He provides a great mix of content from real people to Q&A. This is a must podcast to put in your library.

    Apple Podcasts
    5
    MJCinCA
    United Statesa month ago
  • Excellent content. Please fix the transcripts

    This one is in my top three.

    I can’t see the transcripts since five or six episodes ago. Please fix the transcripts 😢

    Thanks Andy for what you’re doing. You are the best

    ⭐️⭐️⭐️⭐️⭐️

    Apple Podcasts
    5
    Ramon_fr_TX
    United States2 months ago
  • “Real” Isn’t All That

    Listen to this podcast regularly. I enjoy Andy’s demeanor. My only disappointment is I had high hopes for learning insights from the “real person” shows, but none of them thus far are anything like me and my wife.

    The real person trends younger and richer than us. They have often retired much earlier than us. They often have personal relations with Andy which isn’t necessarily a bad thing but I think it skews them as people with some degree of financial literacy above and beyond the average r... more

    Apple Podcasts
    4
    Simjiim
    United States2 months ago
  • Excellent podcast. Andy has a great way of breaking down material and content to allow you to apply it in your retirement and tax planning.

    Podcast Addict
    5
    tomlistens&learns
    3 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
#86
United States/Education

Talking Points

Recent interactions between the hosts and their guests.

#223 - Q&A edition...the 4% rule, Artificial Intelligence and the planning world, RMDs vs annuity income, TIPS, and MORE!
Q: Is it worth buying TIPS in a retiree portfolio, and how does one choose duration and evaluate yield versus risk?
TIPS fit various roles similar to other bonds (volatility dampening, known cash flow, inflation protection); duration choice should align with expense timing and risk tolerance, and yield must be weighed against inflation expectations and potential opportunity costs, as with any bond investment.
#223 - Q&A edition...the 4% rule, Artificial Intelligence and the planning world, RMDs vs annuity income, TIPS, and MORE!
Q: Aren't RMDs just a form of income like an annuity, and how do they compare to annuities in terms of risk and guarantees?
RMDs are taxable income from pre-tax accounts, whereas annuities provide guaranteed payments from an insurer; the key difference is who bears the investment risk—the investor for RMDs and the insurer for a guaranteed lifetime annuity—with annuities offering a defined income stream regardless of market performance.
#223 - Q&A edition...the 4% rule, Artificial Intelligence and the planning world, RMDs vs annuity income, TIPS, and MORE!
Q: Do you see artificial intelligence impacting fee models and the way people pay for financial planning—fee-only, hourly, or percent of assets under management?
The host believes AI will increase efficiency and reduce manual processing costs, potentially enabling a shift toward fee-for-service models, with humans playing a crucial role in client support, interpretation, and decision-making during difficult times; the exact impact on fee structures remains uncertain.
#223 - Q&A edition...the 4% rule, Artificial Intelligence and the planning world, RMDs vs annuity income, TIPS, and MORE!
Q: The 4% rule is frequently discussed in blogs and podcasts, but why hasn't someone renamed it the 4% minus 1% AUM rule for those with financial advisors who charge that to their clients?
The host explains that advisor fees reduce the gross withdrawal rate but do not simply subtract a flat 1% from 4%; fees impact the net outcome differently depending on tax treatment, account type, and whether the fee is paid from the account or out-of-pocket, so the overall withdrawal rate is not a fixed 3% but a more nuanced calculation.
#210 - Q&A edition...Mega backdoor Roth contributions, nonqualified annuities, exceptions to the IRA early withdrawal penalty, when to hire an advisor, how much is too much to pay for an advisor and MORE!
Q: When is the right time to engage a planner—should a person be considering a one-time plan rather than ongoing management, especially far from retirement?
A one-time comprehensive plan can be very valuable for someone years out from retirement, providing a roadmap and actionable steps; as retirement nears, de-accumulation-focused advisers can help with distributions, benefit elections, and tax-efficient strategies. The host emphasizes matching the level of service to life-stage and goals, suggesting a one-time plan now with periodic check-ins later as needed.

Audience Metrics

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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.

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Which podcasts are similar to Retirement Planning Education,?

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

1. Retirement Answer Man
2. Retirement Starts Today
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 226 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. Mark Ross
3. Adam Grossman
4. Brad Flood
5. Mark Rosinski
6. Jonathan Vance
7. Jim Kellerman
8. Bradley Hilton

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