#148 - Q&A edition...buffer ETFs, direct indexing, bucketing strategies, kiddie tax and MORE!

Retirement Planning Education, with Andy Panko

Andy Panko

Annuities, Taxes, Ira, Retirement Planning, Social Security, Roth Ira, 401k, Pension, Investing, Financial Planning, Roth Conversion, Tax Planning, Education

2.4 • 671 Ratings

🗓️ 24 April 2025

⏱️ 63 minutes

🔗️ Recording | iTunes | RSS

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Summary

Listener Q&A where Andy talks about: Buffer ETFs and whether they can be used as replacements for CDs in building a ladder for upcoming years' expenses ( 4:29 )His thoughts on direct indexing and whether it's worth doing to try to make non-qualified accounts for tax-efficient ( 14:11 )Whether or not it's practical to implement a bucketing strategy ( 23:38 )Considerations to put into a will when there is a beneficiary who may be contentious or difficult to deal with ( 34:18 )Estate s...

Transcript

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0:00.0	Let's have another Q&A edition. This week I'll be talking about buffered ETFs, direct indexing,
0:05.2	my thoughts on the bucketing strategy, federal state tax exemption, the kitty tax, and much more in
0:09.7	this the 148th episode of the Retirement Planning Education Podcast.
0:17.1	Welcome to the Retirement Planning Education Podcast, where you can learn all about IRAs and Roth IRAs,
0:23.2	employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies,
0:29.0	annuities, estate planning, and much more. And now here's your host, Andy Panko.
0:34.6	Good day, mates. Welcome back. Today we have another Q&A edition, otherwise known as
0:39.6	questions and answers. There were a bunch of good questions sent to me through email, very long,
0:46.3	like paragraphs worth of background and questions. So I'm going to do my best to synthesize it
0:53.9	and answer it and read it
0:55.5	concisely without cutting out too much here. We'll see how many we can get through, but I do
0:59.5	have, there's about 10 sent into me. We're not going to get through all of them. But hold,
1:04.6	hold your horses for a moment. I want to let you know my big goofy smile moment of the week,
1:09.6	or BGS for those who don't't know that's me just trying to
1:12.4	be intentional about paying attention to seemingly small trivial things in life that uh bring me
1:19.7	happiness or joy or you know a reason to be appreciative or or what have you and if you know there's
1:26.3	a lot of these little things in life if you
1:27.8	just kind of have the mindset and intentionality to look for them you will find them if you don't
1:32.8	you may not see them and i find that uh trying to be intentional about finding things that
1:37.8	make me happy or appreciative or what have you definitely overall improves increases the the quality of my my mindset my perception my
1:47.0	life as a whole no not to get too out there on a on a kind of uh i don't know what what
1:52.2	what i'm trying to say here but um anyway i do feel like being intentional about this stuff is
	...

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