LearnOutLoud.com Audio - Retirement Planning Education Podcast

#155 - "Hot topics" edition...Andy and Larry Pershing talk about the Big Beautiful (tax) Bill, US debt, concentration in the S&P 500 and MORE! (Thu, Jun 12, 2025)
#154 - What retirement-focused financial and tax planning firms do for their fee, using my firm as an example (Thu, Jun 05, 2025)
#153 - Guest hosts Mike Powers and Kirsten Ashbaugh from Manuka Financial talk more about data and cybersecurity best practices (Thu, May 29, 2025)
#152 - Q&A edition...how to deal with market declines, Social Security spousal benefits, vacation home sale impacts on IRMAA and MORE! (Thu, May 22, 2025)
#151 – Retirement planning chat with a "real" person, Rob Berger (Thu, May 15, 2025)
#150 - "Hot topics" edition...Andy and Brian Tegtmeyer talk about retiring in a down market, concerns about Social Security, making estimated tax payments and MORE! (Thu, May 08, 2025)
#149 - Tips and best practices to protect your ID and financial information (Thu, May 01, 2025)
#148 - Q&A edition...buffer ETFs, direct indexing, bucketing strategies, kiddie tax and MORE! (Thu, Apr 24, 2025)
#147 – Chat with four "real" people, sharing what they wish they would have known or done differently during their divorces (Thu, Apr 17, 2025)
#146 – Retirement planner chat, with Mark Rosinski from Dunes Financial (Thu, Apr 10, 2025)
#145 - Understanding mutual fund capital gain distributions (Thu, Apr 03, 2025)
#144 - Q&A edition...Rule of thumb for retirement income needs, qualified vs ordinary dividends, Social Security taxation and MORE! (Thu, Mar 27, 2025)
#143 – Retirement planning chat with a "real" person, Jim Jones (Thu, Mar 20, 2025)
#142 - "Hot topics" edition...Andy and Mike Powers talk about tariffs, TIPs, international stocks, data/cyber security and MORE! (Thu, Mar 13, 2025)
#141 - Determining how much Roth conversion to do in a given year (Thu, Mar 06, 2025)
#140 - Q&A edition...Donor Advised Funds, back door Roth IRA contributions, 10-year Treasury bonds, crypto and MORE! (Thu, Feb 27, 2025)
#139 – Retirement planning chat with a "real" person, John McLaurin (Thu, Feb 20, 2025)
#138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning (Thu, Feb 13, 2025)
#137 - 7 scenarios where it might be beneficial to do Roth conversions (Thu, Feb 06, 2025)
#136 - Guest host edition...Mike Powers walks through his retirement planning checklist (Thu, Jan 30, 2025)
#135 - Q&A edition...understanding financial advisor's titles, repeal of Social Security WEP & GPO, umbrella insurance and MORE! (Thu, Jan 23, 2025)
#134 – Retirement planning chat with a "real" person, Brian Alexander (Thu, Jan 16, 2025)
#133 – Retirement planner chat, with Eric Niergarth from Retirement Roadmap Financial Planning (Thu, Jan 09, 2025)
#132 - Why the value in financial advisory services can't actually be measured (Thu, Jan 02, 2025)
#131 - Q&A edition...mutual funds vs ETFs, traditional vs rollover IRAs, how much umbrella insurance to get and MORE! (Thu, Dec 26, 2024)
#130 – Retirement planning chat with a "real" person, Peter Townsend (Thu, Dec 19, 2024)
#129 – Retirement planner chat, with Andrew Gray from Gray Wealth Strategies (Thu, Dec 12, 2024)
#128 - How to decide whether to own or rent your home in retirement (Thu, Dec 05, 2024)
#127 - Q&A edition...concentration in the S&P 500, direct indexing, how to transfer accounts from one broker to another and MORE! (Thu, Nov 28, 2024)
#126 – Retirement planning chat with a "real" person, Jane (Thu, Nov 21, 2024)
#125 – Retirement planner chat, with Jamie Lima from Woodson Wealth Management (Thu, Nov 14, 2024)
#124 - The basics of taxes and tax planning in retirement (Thu, Nov 07, 2024)
#123 - My thoughts on 12 common financial and retirement planning rules of thumb (Thu, Oct 31, 2024)
#122 - Q&A edition...tracking Roth IRA contributions, what to do with leftover RMD money, using total bond market funds and MORE! (Thu, Oct 24, 2024)
#121 – Retirement planning chat with a "real" person, Doug Mann (Thu, Oct 17, 2024)
#120 – Retirement planner chat, with Erik Barnes from Retirement Portfolio Partners (Thu, Oct 10, 2024)
#119 - Andy's appearance on Rob Berger's YouTube channel, talking about taxes in retirement (Thu, Oct 03, 2024)
#118 - Q&A edition...Itemized sales tax deductions, pension vs lump sum, surviving spouse tax increases and MORE! (Thu, Sep 26, 2024)
#117 – Retirement planning chat with a "real" person, Alison (Thu, Sep 19, 2024)
#116 – Retirement planner chat, with Roger Whitney from the Retirement Answer Man podcast (Thu, Sep 12, 2024)
#115 - How to give to charities tax-efficiently (Thu, Sep 05, 2024)
#114 – Retirement planner chat, with me...Andy Panko from Tenon Financial (Thu, Aug 29, 2024)
#113 - Q&A edition...how to find a retirement tax planner, Medicare premium surcharges, bullet maturity bond ETFs and MORE! (Thu, Aug 22, 2024)
#112 – Retirement planning chat with a "real" person, Jane (Thu, Aug 15, 2024)
#111 – Retirement planner chat, with Victor Medina from Palante Wealth (Thu, Aug 08, 2024)
#110 1/2 - ONE MORE pro of rolling over employer plans (like a 401(k)) to an IRA (Mon, Aug 05, 2024)
#110 - Pros and cons of rolling over employer plans [like a 401(k)] to an IRA (Thu, Aug 01, 2024)
#109 - Q&A edition...how to know if your 401(k) is good, how much tax to withhold from Social Security, should you invest in International stocks and MORE! (Thu, Jul 25, 2024)
#108 – Retirement planning chat with "real" people, Ali & Alison Walker (Thu, Jul 18, 2024)
#107 – Retirement planner chat, with Mike Powers from Manuka Financial (Thu, Jul 11, 2024)
#106 - How to decide the optimal time to start your Social Security benefits (Thu, Jul 04, 2024)
#105 - Q&A edition... having mortgages in retirement, understanding Medicare coinsurance, when to consider long term care insurance and MORE! (Thu, Jun 27, 2024)
#104 – Retirement planning chat with a "real" person, Laura Maione (Thu, Jun 20, 2024)
#103 – Retirement planner chat, with Angie Furubotten-LaRosee from Avea Financial Planning (Thu, Jun 13, 2024)
#102 - Highlights of the 2024 Social Security Trustees Report (Thu, Jun 06, 2024)
#101 - Q&A edition...Choosing a custodian, 401(k) contribution limits, gift tax exclusion limits and MORE! (Thu, May 30, 2024)
#100 – 100th episode celebration!!! Andy's 100 words of retirement planning wisdom (Thu, May 23, 2024)
#099 – Retirement planning chat with a "real" person, Al DiSalvio (Thu, May 16, 2024)
#098 – Retirement planner chat, with Lauren Hunt from Daybreak Wealth Management (Thu, May 09, 2024)
#097 – Inherited IRA Required Minimum Distribution ("RMD") rules (Thu, May 02, 2024)
#096 - Q&A edition...US government debt concerns, Health Savings Accounts, how to estimate taxes and MORE! (Thu, Apr 25, 2024)
#095 – Retirement planning chat with a "real" person, Judy Ocaya (Thu, Apr 18, 2024)
#094 – Retirement planner chat, with David and Mary Oransky from Laminar Wealth (Thu, Apr 11, 2024)
#093 – Advisory fees...the good, the bad, the ugly (Thu, Apr 04, 2024)
#092 - Q&A edition...determining state tax residency, tax underpayment penalties and MORE! (Thu, Mar 28, 2024)
#091 – Retirement planning chat with a "real" person, Tom Santi (Thu, Mar 21, 2024)
#090 – Retirement planner chat, with Devin Carroll from Carroll Advisory Group (Thu, Mar 14, 2024)
#089 – Understanding the S&P 500 index and why it's NOT the right benchmark for your portfolio (Thu, Mar 07, 2024)
#088 – Retirement planning considerations for women, with Laura Adams (Thu, Feb 29, 2024)
#087 - Q&A edition...tax return filing statuses, advisor succession plans and MORE! (Thu, Feb 22, 2024)
#086 – Retirement planning chat with a "real" person, Bill Stevenson (Thu, Feb 15, 2024)
#085 – Retirement planner chat, with Brian Tegtmeyer from Truly Prosper Financial Planning (Thu, Feb 08, 2024)
#084 – Understanding Target Date Retirement Funds (Thu, Feb 01, 2024)
#083 - Q&A edition...Solo 401(k)s, tax gain harvesting, bonds vs bond funds and MORE! (Thu, Jan 25, 2024)
#082 – Retirement planning chat with a "real" person, David Folts (Thu, Jan 18, 2024)
#081 – Retirement planner chat, with Larry Pershing from Optimum Retirement Planning (Thu, Jan 11, 2024)
#080 – How to lower your taxes in 2024 (Thu, Jan 04, 2024)
Retirement Planning Education is coming back! (Thu, Dec 21, 2023)
Retirement Planning Education is going on hiatus (Thu, Jun 22, 2023)
#079 – The non-financial or “softer” side of retirement planning, with Kevin Lyles (Part 2 of 2) (Thu, Jun 15, 2023)
#078 – The non-financial or “softer” side of retirement planning, with Kevin Lyles (Part 1 of 2) (Thu, Jun 08, 2023)
#077 - Understanding cash value life insurance and how it's sold, with Kevin Lao (Thu, Jun 01, 2023)
#076 - What exactly is "Financial Planning?" (Thu, May 25, 2023)
#075 - Qualified Charitable Distributions ("QCDs") (Thu, May 18, 2023)
#074 - How to break up with your financial advisor (Thu, May 11, 2023)
#073 - What does it actually mean to be a "fiduciary," and does it matter? (Thu, May 04, 2023)
#072 - The benefit of "step up in basis" (Thu, Apr 27, 2023)
#071 - Understanding the $250k or $500k gain exclusion on selling your primary residence (Thu, Apr 20, 2023)
#070 - Q&A edition...dividend reinvestment, gifting stocks, Social Security survivor benefits and MORE! (Thu, Apr 13, 2)(023 -0400 01:00:00, )
#069 - Highlights of the 2023 Social Security Trustees Report (Thu, Apr 06, 2023)
#068 - What happens to my investments if my broker goes under? (Thu, Mar 30, 2023)
#067 - Why are banks failing and should we be concerned about more failures? (Thu, Mar 23, 2023)
#066 - Common tax forms retirees get at tax return time (Thu, Mar 16, 2023)
#065 - 7 Social Security myths, with Devin Carroll (Part 2 of 2) (Thu, Mar 09, 2023)
#064 - 7 Social Security myths, with Devin Carroll (Part 1 of 2) (Thu, Mar 02, 2023)
#063 - Q&A edition...401(k)s & Highly Compensated Employees, interest rates & Social Security, inherited 401(k) distributions and MORE! (Thu, Feb 23, 2023)
#062 - Introduction to Investing (Part 6 of 6) - Creating and managing your portfolio (Thu, Feb 16, 2023)
#061 - Introduction to Investing (Part 5 of 6) - Cash and alternative investments (Thu, Feb 09, 2023)
#060 - Introduction to Investing (Part 4 of 6) - All about mutual funds and exchange traded funds ("ETFs") (Thu, Feb 02, 2023)
#059 - Introduction to Investing (Part 3 of 6) - All about bonds (Thu, Jan 26, 2023)
#058 - Introduction to Investing (Part 2 of 6) - All about stocks (Thu, Jan 19, 2023)
#057 - Introduction to Investing (Part 1 of 6) - Background considerations and explanation of account types (Thu, Jan 12, 2023)
#056 - New RMD rules and other retirement planning changes in SECURE 2.0 Act of 2022 (Thu, Jan 05, 2023)
#055 - Financial planning and divorce, with Amy Colton (Part 2 of 2) (Thu, Dec 29, 2022)
#054 - Financial planning and divorce, with Amy Colton (Part 1 of 2) (Thu, Dec 22, 2022)
#053 - What is tax planning? (Thu, Dec 15, 2022)
#052 - Q&A edition...457(b) plans, Roth 401(k) conversions, wash sales, Treasury notes and MORE! (Thu, Dec 08, 2022)
#051 - Introductory overview of the Federal income tax system (Thu, Dec 01, 2022)
#050 - What I'm thankful for (from a retirement planning perspective) (Thu, Nov 24, 2022)
#049 - The basics of estate planning (Thu, Nov 17, 2022)
#048 - Q&A edition...the Social Security "Earnings Test," 401(k) RMDs, tax gain harvesting and MORE! (Thu, Nov 10, 2022)
#047 - Everything you wanted to know about Medicare, with Danielle Roberts (Part 2 of 2) (Thu, Nov 03, 2022)
#046 - Everything you wanted to know about Medicare, with Danielle Roberts (Part 1 of 2) (Thu, Oct 27, 2022)
#045 - Will the 8.7% 2023 Social Security Cost of Living Adjustment apply to me? (Thu, Oct 20, 2022)
#044 - Q&A edition...RMDs on inherited IRAs, deducting LTC expenses, planning for unknowns and MORE! (Thu, Oct 13, 2022)
#043 - Everything you wanted to know about reverse mortgages, with Josh Blum (Part 2 of 2) (Thu, Oct 06, 2022)
#042 - Everything you wanted to know about reverse mortgages, with Josh Blum (Part 1 of 2) (Thu, Sep 29, 2022)
#041 - The Net Investment Income Tax and how it may impact your retirement planning (Thu, Sep 22, 2022)
#040 - Q&A edition...delaying Social Security, when to start a pension, RMDs on inherited IRAs, where to save cash and MORE! (Thu, Sep 15, 2022)
#039 - Health insurance options if you're retired and not yet eligible for Medicare (Thu, Sep 08, 2022)
#038 - Understanding Affordable Care Act ("ACA") health insurance and premium tax credit subsidies (Thu, Sep 01, 2022)
#037 - There's a lot value in retirement planning, but it can't actually be measured (Thu, Aug 25, 2022)
#036 - Q&A edition...Roth conversion optimization, tax on crypto, when to start annuity payments and more! (Thu, Aug 18, 2022)
#035 - Everything you wanted to know about long term care insurance, with Kerry Peabody (Part 2 of 2) (Thu, Aug 11, 2022)
#034 - Everything you wanted to know about long term care insurance, with Kerry Peabody (Part 1 of 2) (Thu, Aug 04, 2022)
#033 - Summary of different portfolio withdrawal strategies (Thu, Jul 28, 2022)
#032 - Q&A edition...spousal Roth IRAs, 401(k) to Roth IRA conversions, self-funding LTC and more! (Thu, Jul 21, 2022)
#031 - What is a bond ladder? (Thu, Jul 14, 2022)
#030 - Dividend Investing and Equity Income Strategies, with Chris D'Agnes (Part 2 of 2) (Thu, Jul 07, 2022)
#029 - Dividend Investing and Equity Income Strategies, with Chris D'Agnes (Part 1 of 2) (Thu, Jun 30, 2022)
#028 - What is a LIRP, or Life Insurance Retirement Plan? (Thu, Jun 23, 2022)
#027 - What is Modified Adjusted Gross Income, or MAGI? (Thu, Jun 16, 2022)
#026 - Highlights of the 2022 Social Security Trustees Report (Thu, Jun 09, 2022)
#025 - Introduction to Social Security (Thu, Jun 02, 2022)
#024 - What should retirees or near-retirees do as a result of the bad markets and high inflation? (Thu, May 26, 2022)
#023 - What is Tax Loss and Tax Gain Harvesting? (Thu, May 19, 2022)
#022 - All about annuities, Part 3; Variable annuities, Indexed annuities and withdrawal riders (Thu, May 12, 2022)
#021 - All about annuities, Part 2: Income annuities and payment options (Thu, May 05, 2022)
#020 - All about annuities, Part 1: Introduction and MYGAs (Thu, Apr 28, 2022)
#019 - What are I Bonds? (Thu, Apr 21, 2022)
#018 - What is Monte Carlo simulation? (Thu, Apr 14, 2022)
#017 - What are the alternatives to bonds and bond funds? (Thu, Apr 07, 2022)
#016 - What are bonds and bond funds? (Thu, Mar 31, 2022)
#015 - What do all of the letters mean after financial advisors' names? (Thu, Mar 24, 2022)
#014 - How to do your own tax return or find a preparer (Thu, Mar 17, 2022)
#013 - What are all of the forms in a retiree's tax return? (Thu, Mar 10, 2022)
#012 - What are mutual fund capital gain distributions? (Thu, Mar 03, 2022)
#011 - How do financial advisors get paid? (Thu, Feb 24, 2022)
#010 - When do I have to take distributions from inherited retirement accounts? (Thu, Feb 17, 2022)
#009 - What are Required Minimum Distributions, and when do I have to take them? (Thu, Feb 10, 2022)
#008 - When can I take money out of my Roth IRA without tax or penalty? (Thu, Feb 03, 2022)
#007 - What's the difference between tax-deferred, Roth and normal brokerage accounts? (Thu, Jan 27, 2022)
#006 - What's a "backdoor" Roth? (Thu, Jan 20, 2022)
#005 - Will I have to pay extra Medicare premiums? (Fri, Jan 14, 2022)
#004 - Should I rollover my employer retirement plan? (Fri, Jan 14, 2022)
#003 - Should I take my pension as payments or a lump sum? (Fri, Jan 14, 2022)
#002 - What's the 4% Rule? (Fri, Jan 14, 2022)
#001 - How much money do I need to retire? (Fri, Jan 14, 2022)