It's time for another retirement planner chat where today I talk with Liz Yoder from dependent

financial planning, where we'll talk about retirement planning and special needs planning in this

the 138th 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, everybody. Welcome back. Today is another retirement planner chat episode where I'm

joined by Liz Yoder from dependent financial planning based out of Maryland. Liz is special in that she works with, she does financial planning, retirement planning, but works with people who have special needs planning, where they might have a child who has special needs or disability, or maybe themselves have special needs or disability.

So there are a lot of unique considerations and technical things to know and a whole web

of rules and regulations from Medicare and Social Security around Medicaid and Social Security

around disability and disability planning. And that's a whole area of specialization I know I don't have.

There's a lot involved.

And I know I'm not the expert in it.

So it's one of the areas I don't focus on in my practice,

but I realize for people who do want or need the special needs knowledge,

that there are folks out there, thankfully, who do specialize in it,

and our well-bursts and all of this stuff, such as Liz.

So for anyone interested in the intersection of retirement planning and special needs planning, this episode is the spot for you.

Before I get into it, though, I have a question for you.

Why could the lifeguard not save the hippie?

Because he was too far out, man.

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