We have a special guest-hosted episode this week where my friend Larry Pershing from optimum retirement planning will be discussing how to help manage and reduce concentrated stock positions in this, the 163rd 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, everyone. We have a special fifth Thursday of the month edition of the podcast today. So for those who don't know, the podcast, I try to keep a schedule of the types of content we do each episode. There's always at least four Thursdays in a month. Sometimes there's a fifth Thursday in the month. The first Thursday is me talking solo about

a deep dive into some topic. The second Thursday is where I have on another advisor where we either

do like a hot topics episode or I more or less interview the other advisor or something like

that. Third episode, third Thursday the month is an episode where I have on quote unquote real

people either to interview them about broad questions about their finances and how they do their retirement planning and stuff like that.

Or it'll be, I've done a few special topics like getting divorced later in life and managing and dealing with that where I'll talk to multiple

people and string all those recordings together into one episode. The fourth Thursday of the

month is a Q&A. And if there's a fifth Thursday in the month, it's kind of whatever.

And so this month, my good friend Larry Pershing from Optima Retirement Planning. You may recognize the name. You'll

presumably recognize the voice. Larry's been on the show a few times. He did a Hot Topics episode.

I did an advisor chat with him and I think he was on one other time. If my memory serves me,

correct. But Larry was gracious enough to take the reins and guest hosts this week, other than me recording

this intro and outro later at the end of the episode. And he will be talking about concentrated

stock positions and how to help minimize them, manage them, the tax consequences around them

when they're in a regular non-qualified taxable account and things like that. So very,

very good episode. I'm glad Larry came up with the idea and clearly put a lot of work and time

into discussing and presenting and discussing the options around that. So looking forward to that,

and I will stop talking soon and leave you with that. Just want to share,

as Larry made reference to in his recording, he is one of the few folks in this mastermind

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