Let's have another Q&A edition where I'll talk about how to find a retirement tax specialist,

Medicare EURMA surcharges, bullet maturity bond exchange traded funds, and more in this, the 113th episode of the Retirement Planning Education Podcast.

Welcome to the Retirement Planning Education Podcast, where you can learn all about IRAs and Roth IRAs, employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies, annuities, estate planning, and much more.

And now here's your host, Andy Panko.

Hello again, my friends. Thank you as always for listening.

Today we have another question and answer, otherwise known as Q&A episode.

So I did get a bunch of questions emailed to me, which for future reference, if you'd like to send a question in for me to address, you can email me at Andy at Andypanco.com.

And that email address is also shown in the notes to this episode. So you can find it there. So you don't have to write it

down and remember it as I'm saying it now. So we did get a bunch of good questions. I will

go through those. But before I have a joke for you all, which I know is the reason why you're

here. Here it goes. A

ventriloquist walks into a bar and the guy next to him says, ouch. Did you get it? Did it soak in?

This was a good one. This was brilliant. So we did a family trip to Niagara Falls recently.

So I live in New Jersey. Niagara Falls is part New York, part Canada. We stayed in

the Canada side. And we were walking around Niagara on the lake, which is this little sort of

quaintish downtown community right near Lake Ontario, about 20 minutes away from the town of Niagara Falls,

from the actual falls. And we were walking around this little main street thing and there was an ice cream

shop or something. We went in there. I didn't want anything. My kids got ice cream, but I just sort of sat there.

And there was these like little flyers, these little sort of like promotional, I don't what you call it,

or a bunch of local businesses all like pitch in and do ads on this like flyer thing. And it had some some jokes on there. I guess

it was a monthly thing. And every, every month there's a few jokes. So there's like five or six

jokes. I read them. Most of them were like, eh. But this one, this Frenchilochus one, I never heard

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