#157 - Q&A edition...bonds and the bond market, paying estimated taxes, converting ALL pre-tax money to Roth 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

🗓️ 26 June 2025

⏱️ 62 minutes

🔗️ Recording | iTunes | RSS

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Summary

Listener Q&A where Andy talks about: A short explanation of bonds and "the bond market" ( 2:48 )Are actively managed bond funds better than passive bond funds ( 21:53 )What are the pros and cons of making all of the year's estimated tax payments in the first quarter ( 30:30 )Why insurers don't offer a long term care product with a 2-3 years elimination period or deductible to cover just LTC needs beyond a few years ( 34:07 )His thoughts on getting retirement income from dividends, T...

Transcript

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0:00.0	It's time for another Q&I episode where this week I'll talk about bonds in the bond market,
0:04.0	paying estimated taxes. My thoughts around whether or not you should convert all your pre-tax
0:07.8	balances to Roth, whether or not disability income is eligible to make IRA or Roth IRA contributions,
0:12.6	and more in this the 157th episode of the Retirement Planning Education Podcast.
0:26.1	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,
0:32.7	annuities, estate planning, and much more. And now here's your host, Andy Panko.
0:38.2	Hello, everyone. Thank you as always for listening. Today is another question and answer episode
0:44.0	where I am answering questions this week. These were all, this month, this episode, I should say,
0:49.9	these are all questions that were sent in by email to my email at Andy at Andypanco.com.
0:55.1	So if you would be interested in having a future question answered, you can email it there.
0:59.7	Again, Andy at Andypanco.com, and you can find that email in the notes to the show.
1:05.9	Before we get started, I asked my wife what she wanted for her birthday.
1:10.0	She replied, nothing would make me
1:11.4	happier than a diamond necklace. So I bought her nothing. Not because she said nothing would make
1:17.1	her happier. They get it? Got it. Cool. And my big goofy smile moment is yesterday. I went from
1:26.3	my house to my office, which is only a mile away, and I took my bike,
1:31.1	and it made me smile because the weather was nice, and it felt good to be out. So I started the
1:34.9	drive, actually, because I was lazy. And they're doing road work on a relatively major road that
1:40.2	cuts between my house and my office, and it's like a major thoroughfare for the town. So I was closed because of repaving it.
1:46.0	So completely snarled traffic.
1:47.3	So as I was trying to drive to my office, which would normally be, no joke, four minutes,
1:52.7	you know, leave my house to when I park at the office, if that, I was like 10 minutes in and not even
	...

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