Summary of the 3.8% Net Investment Income Tax ("NIIT") and how it may impact your retirement planning Links in this episode: IRS Form 8960 - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights My recent webinar - How to Review a Tax Return (as a Retirement Planner) My YouTube video - What is Net Investment Income Tax...
Sep 22, 2022•30 min
Listener Q&A where Andy answers questions about: How to calculate the increase to Social Security for delaying the start of benefits, or the decrease for starting benefits early What to consider with regards to when to start receiving a pension What Required Minimum Distributions ("RMDs") are necessary when inheriting an IRA from someone who inherited it from its original owner How bullet ETFs are taxed Taking just spousal benefits while letting your own Social Security benefit grow The opti...
Sep 15, 2022•39 min
Summary of the options for health insurance if you no longer have employer-sponsored health insurance and aren't yet 65 and therefore can't yet sign up for Medicare Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Sep 08, 2022•30 min
Explanation of health insurance offered through the Affordable Care Act (aka ACA or ObamaCare) and subsides for such insurance in the form of premium tax credits Links in this episode: IRS Form 8962 - here My YouTube video - Affordable Care Act Premium Tax Credits Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Sep 01, 2022•42 min
Discussion of how there is a lot of value in retirement planning & investment management, but how it's impossible to actually quantify and measure that value Links in this episode: Link to my Rethinking65 article - "How Much Are Your Services Worth?" Link to FINRA BrokerCheck - here Link to my YouTube video - How to Find a Financial Advisor, Part 1 of 3 Link to my YouTube video - How to Find a Financial Advisor, Part 2 of 3 Link to my YouTube video - How to Find a Financial Advisor, Part 3 o...
Aug 25, 2022•42 min
Listener Q&A where Andy answers questions about: Whether I prefer simplification or optimization in financial planning Roth conversion optimization Is crypto mining taxable How to buy I Bonds through tax return refunds What positions to sell when distributing from an IRA When to start annuity payments Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) N...
Aug 18, 2022•39 min
Part 2 of 2 of the audio replay of my previous video with Kerry Peabody from Clark Insurance where we talked all about long term care insurance How to contact Kerry - https://www.clarkinsurance.com/long-term-care-insurance/ Replay of the original video - here Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Aug 11, 2022•39 min
Part 1 of 2 of the audio replay of my previous video with Kerry Peabody from Clark Insurance where we talked all about long term care insurance How to contact Kerry - https://www.clarkinsurance.com/long-term-care-insurance/ Replay of the original video - here Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Aug 04, 2022•39 min
Explanation of the various portfolio withdrawal strategies Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Jul 28, 2022•38 min
Listener Q&A where Andy answers questions about: Spousal Roth IRAs 401(k) to Roth IRA conversions Splitting up IRAs to have different beneficiaries for each Investing money earmarked for potential future long term care expenses How I named my company, Tenon Financial IRS website link about direct vs indirect rollovers - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) ...
Jul 21, 2022•39 min
Explanation of a bond ladder and how to build one YouTube Video - "What is Sequence of Return Risk" YouTube Video - "Bonds, Bond Prices and Bond Yields" Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Jul 14, 2022•40 min
Part 2 of 2 of the replay of my previously aired Facebook live video with Chris D'Agnes, CFA, Partner and Co-Portfolio Manager at Hamlin Capital Management. Chris talked about the high dividend equity portfolio he manages and why dividends are an important part of investing for retirees Full video replay with Chris - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newslet...
Jul 07, 2022•35 min
Part 1 of 2 of the replay of my previously aired Facebook live video with Chris D'Agnes, CFA, Partner and Co-Portfolio Manager at Hamlin Capital Management. Chris talked about the high dividend equity portfolio he manages and why dividends are an important part of investing for retirees Full video replay with Chris - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newslet...
Jun 30, 2022•56 min
Explanation of a LIRP, or Life Insurance Retirement Plan, which is ultimately an Indexed Universal Life insurance policy Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Jun 23, 2022•50 min
Explanation of the five different versions of Modified Adjusted Gross Income, or MAGI, you're likely to come across in retirement planning Downloadable MAGI summary handout - here What is MAGI YouTube video - here Understanding Medicare Premium Surcharges YouTube video - here Affordable Care Act ("ACA") Premium Tax Credits YouTube video - here What is Net Investment Income Tax YouTube video - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Ret...
Jun 16, 2022•29 min
Summary of the key points in the 2022 Social Security Trustees Report 2022 Social Security Trustees Report - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Jun 09, 2022•38 min
The basics of the Social Security system YouTube video - Introduction to Social Security YouTube video - Calculating your Social Security Primary Insurance Amount YouTube video - Are Social Security Benefits Taxable? YouTube video - When to claim Social Security YouTube video - Social Security myths and Q&A Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retir...
Jun 02, 2022•36 min
Actions retirees and near-retirees should (and shouldn't) consider doing as a result of bad financial markets and high inflation YouTube video - What is the 4% Rule? YouTube video - How much money do I need to retire? Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
May 26, 2022•37 min
Explanation of tax loss harvesting and tax gain harvesting, as well as an introduction to "wash sales" Links in this episode: YouTube video - What is Tax Loss Harvesting? YouTube video - What is Tax Gain Harvesting? YouTube video - What is Tax Loss and Tax Gain Harvesting? Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
May 19, 2022•27 min
Summary of variable annuities, indexed annuities and a Guaranteed Living Withdrawal Benefit rider Links in this episode: YouTube video - What is a Variable Annuity? YouTube video - What is an Indexed Annuity? YouTube video - What is a Fixed Indexed Annuity with Income Rider? Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
May 12, 2022•40 min
Summary of immediate and deferred income annuities, and explanation of the different annuity payment options available Links in this episode: YouTube video - What is an Income Annuity? www.ImmediateAnnuities.com Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
May 05, 2022•39 min
The basics of annuities and details about Multi-Year Guaranteed Annuities ("MYGAs") Links in this episode: YouTube video - Understanding Annuities YouTube video - What is an Income Annuity? YouTube video - What is a Variable Annuity? YouTube video - What is an Indexed Annuity? YouTube video - What is a Fixed Indexed Annuity with Income Rider? YouTube video - What is a Qualified Longevity Annuity Contract Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channe...
Apr 28, 2022•34 min
Everything you ever wanted to know about I Bonds Links in this episode: TreasuryDirect - here CPI-U monthly data - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Apr 21, 2022•37 min
Explanation of Monte Carlo simulation in retirement planning Links in this episode: Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Apr 14, 2022•32 min
Discussion of the pros and cons of possible alternatives to using bonds or bond funds in your portfolio Links in this episode: My YouTube video about fixed indexed annuities - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Apr 07, 2022•30 min
Explanation of bonds and bond funds; how they work, what risks they have, what their purpose is, etc. Links in this episode: My YouTube video about bonds and bond funds - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Mar 31, 2022•34 min
Explanation of some of the various letters and professional designations often seen after financial advisors' names Links in this episode: Rock Retirement Club - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Mar 24, 2022•35 min
Summary of the ways to do and file your own tax return, or how to find a paid tax return preparer Links in this episode: IRS forms and schedules search tool - here IRS PTIN and "credentialed" return preparer directory - here IRS VITA and TCE info and locator tool - here AARP Tax-Aide info and locator tool - here IRS "Free File" and "Free Fillable Forms" info - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (forme...
Mar 17, 2022•32 min
Explanation of the various forms and schedules commonly used in retiree tax returns Links in this episode: IRS forms and schedules search tool - here My YouTube video - Overview of Federal Income Taxation My YouTube video - Understanding a Retiree Tax Return PDF of the tax return discussed in the above video - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - R...
Mar 10, 2022•34 min
Explanation of mutual fund capital gain distributions, and why 2021 was a unique year for large (and taxable) distributions Links in this episode: Wall Street Journal article about a particular fund company's large capital gain distributions in their target date retirement funds - here Facebook group - Retirement Planning Education (formerly Taxes in Retirement) YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified) Newsletter - Retirement Planning Insights...
Mar 03, 2022•30 min
