It is time for another Q&A episode.

Today I'll be talking about concentration in the S&P 500, direct indexing, how to transfer accounts from one custodian or broker to another, Medicare surcharges, and more in this the 127th 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, happy Thanksgiving, y'all. For those

that listen to this episode, the day it comes out, it is Thanksgiving, 2024. Hope you are going to

have, or we'll be having, or did have a happy, healthy Thanksgiving, 2024. Today is a Q&A episode.

I have a handful of good questions,

but I want to let you know that I once submitted 10 puns to a joke competition.

I really thought with that many, one was sure to be a winner,

but sadly, no pun in 10 did.

I'll let that one sit and bake for a while.

Thank you.

Big goofy smile, a little moment of acknowledgement of gratitude or just appreciation for the small things in life. So it is, what is it?

It's November 22nd, 2024 as I'm recording this. And I last weekend, it was warm. It was dry.

So I put up the lights lights the Christmas lights on our house

and they make me smile it's something this this extent of light show I've been doing since

2021 so this is the fourth year and really makes me smile so in the past we we've done various

different types of lights mostly just like on the bushes and on the

stuff that was easily reachable in the front of the house but it never really came together it always

sort of looked kind of half done and and lopsided or whatever so after um this was during

covid and you know 2020 was was the first year of COVID obviously that was, we were really strict in our house about distancing and staying away from people.

...