Listener Q&A where Andy talks about:

• How often to check your accounts for rebalancing, and how often to check on your bigger picture finances and plan ( 2:32 )
• What to do with old positions you no longer want in a brokerage account but they all have large unrealized gains ( 16:03 )
• How Medi-Cal benefits interact with a high deductible health plan and an HSA (spoiler alert...I don't know!) ( 22:20 )
• Are there any good reasons to leave old/prior employer 401(k) plans where they are ( 25:31 )
• Tracking Roth IRA contributions (including money inherited from a deceased spouse's Roth 401(k)) ( 29:50 )
• The mechanics of separating the cream from the coffee when rolling pre-tax money in an IRA to a 401(k) to leave behind in the IRA just the after-tax basis, and potential gotchas with that process ( 33:41 )
• Are potentially large RMDs really a threat to someone's financial plan, or just a pain ( 42:37 )
• Additional thoughts on whether to pay off a mortgage before retirement, particularly if using pre-tax funds (like from a 401(k)) to do it, even if the interest rate on the loan is really low ( 49:45 )
• Why Roth money within a 401(k) isn't actually in its own separate account, but is instead just an internal accounting record type of "sub" account ( 53:04 )
• Tax-free conversions of mutual fund share classes to ETF share classes of the same fund, where available ( 59:02 )
• Thoughts on rental property vs bank CD's for purposes of estate transfer, tax implications and general retirement plan considerations ( 1:03:23 )

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

Links in this episode:

• My article about pros and cons of rolling over old employer plans to an IRA - 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

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jim Kellerman. They talk about a wide array of retirement planning topics such as when he started getting serious about planning for retirement, how he now spends his days in retirement, what he's doing for health insurance since he's not yet on Medicare and why he's at the local prison each week...

Links in this episode:

• Puritas tax prep software (including for Form 709 gift tax returns) - 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 Bradley Hilton, CFP®, TPCP®, MBA from Sonas Financial Planning. 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, what consumers often overlook in retirement planning and much more!

Links in this episode:

• Bradley's advisory company website - https://www.sonasfp.com/ or https://www.sonasfinancialplanning.com

• Tax Foundation summary of state-level estate and inheritance taxes (as of 2025) - 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