#087 - Q&A edition...tax return filing statuses, advisor succession plans and MORE!

Retirement Planning Education, with Andy Panko

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Insights Unlocked

1
How Anthropologie gets omnichannel right (and what to learn) 27:29

10 dagen geleden27:29

Later Afspelen

Lijsten

Vind ik leuk

Leuk

27:29

Episode web page: https://tinyurl.com/2b3dz2z8 ----------------------- Rate Insights Unlocked and write a review If you appreciate Insights Unlocked , please give it a rating and a review. Visit Apple Podcasts, pull up the Insights Unlocked show page and scroll to the bottom of the screen. Below the trailers, you'll find Ratings and Reviews. Click on a star rating. Scroll down past the highlighted review and click on "Write a Review." You'll make my day. ----------------------- In this episode of Insights Unlocked , we explore the evolving landscape of omnichannel strategies with Kate MacCabe, founder of Flywheel Strategy. With nearly two decades of experience in digital strategy and product management, Kate shares her insights on bridging internal silos, leveraging customer insights, and designing omnichannel experiences that truly resonate. From the early days of DTC growth to today’s complex, multi-touchpoint customer journeys, Kate explains why omnichannel is no longer optional—it’s essential. She highlights a standout example from Anthropologie, demonstrating how brands can create a unified customer experience across digital and physical spaces. Whether you’re a marketing leader, UX strategist, or product manager, this episode is packed with actionable advice on aligning teams, integrating user feedback, and building a future-proof omnichannel strategy. Key Takeaways: ✅ Omnichannel vs. Multichannel: Many brands think they’re omnichannel, but they’re really just multichannel. Kate breaks down the difference and how to shift toward true integration. ✅ Anthropologie’s Success Story: Learn how this brand seamlessly blended physical and digital experiences to create a memorable, data-driven customer journey. ✅ User Feedback is the Secret Weapon: Discover how continuous user testing—before, during, and after a launch—helps brands fine-tune their strategies and avoid costly mistakes. ✅ Aligning Teams for Success: Cross-functional collaboration is critical. Kate shares tips on breaking down silos between marketing, product, and development teams. ✅ Emerging Tech & Omnichannel: Instead of chasing the latest tech trends, Kate advises businesses to define their strategic goals first—then leverage AI, AR, and other innovations to enhance the customer experience. Quotes from the Episode: 💬 "Omnichannel isn’t just about being everywhere; it’s about creating seamless bridges between every touchpoint a customer interacts with." – Kate MacCabe 💬 "Companies that truly listen to their users—through qualitative and quantitative insights—are the ones that thrive in today’s competitive landscape." – Kate MacCabe Resources & Links: 🔗 Learn more about Flywheel Strategy 🔗 Connect with Kate MacCabe on LinkedIn 🔗 Explore UserTesting for customer insights for marketers…

ongeveer een jaar geleden 46:31

MP3•Thuis aflevering

Listener Q&A where Andy talks about:

The summary of the five different tax return filing statuses
Whether a particular listener could file as Head of Household for his 22 year-old son in college
How to get the 1099-INT form if you sold any I Bonds last year
Whether you can still do a 2023 Roth conversion now, in February 2024
What to look for and ask regarding an advisor's succession plan

Links in this episode:

My YouTube video - Overview of Federal Income Taxation
IRS's Instructions to Form 1040
IRS's website for What is My Filing Status?
IRS's website for Whom May I Claim as a Dependent?
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

149 afleveringen

#Podcasting Education #Andy Panko #Retirement Planning #Financial Planning #Tax #Tax Planning #Investing #Social Security #IRA #Roth IRAs #401k #Pension #Annuity #Roth Conversions

#087 - Q&A edition...tax return filing statuses, advisor succession plans and MORE!

Retirement Planning Education, with Andy Panko

33 subscribers

published ongeveer een jaar geleden

MP3•Thuis aflevering

Listener Q&A where Andy talks about:

The summary of the five different tax return filing statuses
Whether a particular listener could file as Head of Household for his 22 year-old son in college
How to get the 1099-INT form if you sold any I Bonds last year
Whether you can still do a 2023 Roth conversion now, in February 2024
What to look for and ask regarding an advisor's succession plan

Links in this episode:

My YouTube video - Overview of Federal Income Taxation
IRS's Instructions to Form 1040
IRS's website for What is My Filing Status?
IRS's website for Whom May I Claim as a Dependent?
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

149 afleveringen

#Podcasting Education #Andy Panko #Retirement Planning #Financial Planning #Tax #Tax Planning #Investing #Social Security #IRA #Roth IRAs #401k #Pension #Annuity #Roth Conversions

Alle afleveringen

Retirement Planning Education, with Andy Panko

1
#146 – Retirement planner chat, with Mark Rosinski from Dunes Financial 57:50

4 hours geleden57:50

57:50

Andy chats with fellow retirement planner Mark Rosinski, CFP®, CPA from Dunes Financial. 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, how to know when people have enough to retire, what consumers often overlook in retirement planning and much more! Links in this episode: Mark's advisory company website - Dunes Financial https://www.kitces.com/ Wade Pfau - Retirement Planning Guidebook: https://www.amazon.com/Retirement-Planning-Guidebook-Navigating-Important/dp/194564009X Retirement & IRA Show: https://podcasts.apple.com/us/podcast/the-retirement-and-ira-show/id656868743 All-In Podcast: https://podcasts.apple.com/us/podcast/all-in-with-chamath-jason-sacks-friedberg/id1502871393 The Drive Podcast: https://podcasts.apple.com/us/podcast/the-peter-attia-drive/id1400828889 The Retirement Nerds: https://www.youtube.com/@Theretirementnerds Car Dealership Guy: https://x.com/GuyDealership Colin Stroud: https://www.linkedin.com/in/gosomewhere/ His points service website: https://www.gosomewhere.world/ Ramit Sethi MoneyDials: https://www.iwillteachyoutoberich.com/money-dials/ 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…

Retirement Planning Education, with Andy Panko

1
#145 - Understanding mutual fund capital gain distributions 43:48

7 dagen geleden43:48

43:48

Andy discusses the ins and outs of mutual fund capital gain distributions, particularly in normal taxable brokerage accounts. Links in this episode: Tenon Financial monthly e-newsletter - Retirement Planning Insights To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com 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…

Retirement Planning Education, with Andy Panko

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#144 - Q&A edition...Rule of thumb for retirement income needs, qualified vs ordinary dividends, Social Security taxation and MORE! 41:18

14 dagen geleden41:18

41:18

Listener Q&A where Andy talks about: Whether the rule of thumb saying in retirement you'll need about 80% of what you were making in wages is on a gross or net of taxes basis ( 6:49 ) Understanding why some dividends are "qualified" and some are not, why they're taxed differently, and why dividends from bond funds aren't qualified ( 14:15 ) Whether the decision to start Social Security sooner vs later would change if Social Security were to no longer be federally taxable ( 22:09 ) Whether spouses can combine their 401(k) balances ( 27:03 ) What a Form 5498 is, and if you need it to do your tax return, considering it often isn't available until after April 15th ( 30:27 ) If you can still make a 2024 Roth IRA or traditional IRA contribution in early-2025 ( 31:40 ) Whether you can make a contribution to a Roth IRA via transferring shares "in-kind" from a brokerage account ( 37:23 ) To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com 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…

Retirement Planning Education, with Andy Panko

1
#143 – Retirement planning chat with a "real" person, Jim Jones 59:34

21 dagen geleden59:34

59:34

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jim Jones. They talk about a wide array of retirement planning topics such as transitioning from owning a dental practice into retirement, investing, Social Security, when they got serious about retirement planning, and more! Links in this episode: Jim's podcast - The JimJam 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…

Retirement Planning Education, with Andy Panko

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#142 - "Hot topics" edition...Andy and Mike Powers talk about tariffs, TIPs, international stocks, data/cyber security and MORE! 1:29:19

28 dagen geleden1:29:19

1:29:19

Andy and Mike Powers share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Tariffs: what they are, who pays them, do they cause inflation, etc. ( 9:42 ) Pros and cons of Treasury Inflation Protected Securities, or TIPS ( 21:32 ) Whether or not to hold international stocks ( 37:07 ) Considerations about whether to de-risk your portfolio and hold more cash a as result of expecting market uncertainty going forward ( 48:21 ) Options for where to hold cash ( 54:33 ) Observations and things to consider regarding doing your tax return ( 1:03:20 ) Data and cyber security considerations ( 1:13:54 ) Links in this episode: Mike's article about TIPS - here Mike's article on how to freeze your credit - here Mike's article on properly reporting US government obligation interest on your tax return - here Vanguard's forward-looking forecasts - here California's one-time tax return penalty abatement - here To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com 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…

Retirement Planning Education, with Andy Panko

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#141 - Determining how much Roth conversion to do in a given year 52:27

5 weeks geleden52:27

52:27

Andy discussed how to determine how much Roth conversion to do in a particular year (assuming you've decided Roth conversions make sense for you). He walks through how to do a current year income & tax projection, and what tax "targets" or "goals" are commonly used in determining how much conversion to do. Links in this episode: DinkyTown 1040 online tax return projection tool - here Tenon Financial monthly e-newsletter - Retirement Planning Insights To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com 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…

Retirement Planning Education, with Andy Panko

1
#140 - Q&A edition...Donor Advised Funds, back door Roth IRA contributions, 10-year Treasury bonds, crypto and MORE! 53:02

6 weeks geleden53:02

53:02

Listener Q&A where Andy talks about: Can Donor Advised Funds ("DAFs") be funded with pre-tax IRA money ( 2:22 ) How to do a backdoor Roth IRA contribution and avoid the pro rata rule if you have pre-tax funds in other IRAs ( 5:46 ) What are the must have important things to address and get right in retirement planning, vs what are nice to have optimization things ( 10:51 ) How come most flat fee advisors don't work with clients with net worth in excess of $10 million ( 19:50 ) How to invest excess money in taxable brokerage accounts ( 26:21 ) Can funds or investments in taxable brokerage accounts be exchanged in-kind with others to avoid consequences ( 30:07 ) Why is the 10-year Treasury bond used as a benchmark for many fixed income products, and why do bond prices change when interest rates change ( 32:49 ) How to know if you're over-saving ( 38:27 ) Thoughts about timing in when you take distributions vs doing Qualified Charitable Distributions ("QCDs") to satisfy Required Minimum Distributions ("RMDs") ( 41:51 ) My thoughts on crypto assets ( 46:29 ) To find an "advice only" advisor - www.AdviceOnlyNetwork.com To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com 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…

Retirement Planning Education, with Andy Panko

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#139 – Retirement planning chat with a "real" person, John McLaurin 58:14

7 weeks geleden58:14

58:14

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with John McLaurin. They talk about a wide array of retirement planning topics such as planning for special needs and the "generational" planning involved, investing, Social Security, when they got serious about retirement planning, and more! Links in this episode: The book John mentioned - The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child's Life 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…

Retirement Planning Education, with Andy Panko

1
#138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning 1:12:46

8 weeks geleden1:12:46

1:12:46

Andy chats with fellow retirement planner Liz Yoder, CFP®, ChSNC® from Dependent Financial Planning. In this episode they talk about a wide array of retirement planning topics with a particular emphasis on special needs planning and the unique considerations and areas to consider when you or your child has or is likely to have a disability Links in this episode: Liz's advisory company website - Dependent Financial Planning Liz's LinkedIn profile - Elizabeth (Wolleben) Yoder 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…

Retirement Planning Education, with Andy Panko

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#137 - 7 scenarios where it might be beneficial to do Roth conversions 53:08

9 weeks geleden53:08

53:08

Andy discussed seven common scenarios where it might be beneficial to do Roth conversions: You know your income now is much lower than it will be in the future You're married (and may eventually be single) You have large pre-tax accounts Your eventual heirs are likely to be in higher tax situations than you currently are Your plan on moving to a state that will have higher income taxes than your current state You're convinced tax rates will increase markedly in the future You want greater tax "diversity" amongst your investable accounts Links in this episode: Tenon Financial newsletter summarizing the 7 potential Roth conversion scenarios - 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…

Retirement Planning Education, with Andy Panko

1
#136 - Guest host edition...Mike Powers walks through his retirement planning checklist 32:39

10 weeks geleden32:39

32:39

Special guest host, Mike Powers, CPA, PFS, CFP®, from Manuka Financial sits behind the microphone to walk through his 22-point retirement planning checklist, which includes financial, insurance and lifestyle considerations. Links in this episode: Mike's blog post about the retirement planning checklist - here George Kinder's life planning three questions - here Mike's company's website - Manuka Financial 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…

Retirement Planning Education, with Andy Panko

1
#135 - Q&A edition...understanding financial advisor's titles, repeal of Social Security WEP & GPO, umbrella insurance and MORE! 57:18

11 weeks geleden57:18

57:18

Listener Q&A where Andy talks about: What it means between an advisor who calls themself a financial planner vs wealth manager vs any other label they choose to use ( 10:24 ) My thoughts on the recently repealed Windfall Elimination Provision ("WEP") and Government Pension Offset ("GPO") parts of Social Security ( 20:35 ) A follow up to a previously discussed Q&A topic about how much umbrella insurance to purchase ( 31:18 ) How income is taxed to a recently deceased person vs their heirs or their estate ( 37:08 ) How best to gift money to grandchildren to get them started with saving and investing ( 42:10 ) Understanding a bond or bond fund's "duration" and how to use it measure the bond or bond fund's interest rate price change risk. And what it means to have a recommended "holding period" for a bond fund ( 46:45 ) To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com 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…

Retirement Planning Education, with Andy Panko

1
#134 – Retirement planning chat with a "real" person, Brian Alexander 1:01:05

12 weeks geleden1:01:05

1:01:05

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Brian Alexander. They talk about a wide array of retirement planning topics such as investing, Social Security, when they got serious about retirement planning, funding potential long term care needs and more! Links in this episode: 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…

Retirement Planning Education, with Andy Panko

1
#133 – Retirement planner chat, with Eric Niergarth from Retirement Roadmap Financial Planning 1:09:13

13 weeks geleden1:09:13

1:09:13

Andy chats with fellow retirement planner Eric Niergarth, CFP®, RICP® from Retirement Roadmap 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, how to know when people have enough to retire, what consumers often overlook in retirement planning and much more! Links in this episode: Eric's advisory company website - Retirement Roadmap Financial Planning 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…

Retirement Planning Education, with Andy Panko

1
#132 - Why the value in financial advisory services can't actually be measured 57:11

14 weeks geleden57:11

57:11

Andy explains how there is definitely value in good financial advisory services, but how it's impossible to quantify that value and is often disingenuous for advisors to claim they can, or for studies to try to put a number on it Links in this episode: Vanguard's research paper - Putting a value on your value: Quantifying Vanguard Advisor's Alpha My article - How Much are Your Services Worth? My article - Advisors Fees are Broken 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…

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