#165 - "Hot topics" edition...Andy and Mark Rosinski talk about different withdrawal strategies, rule of 55 distributions, allocating the stock portion of a portfolio 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

🗓️ 14 August 2025

⏱️ 83 minutes

🔗️ Recording | iTunes | RSS

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Summary

Andy and Mark Rosinski from Dunes Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Thoughts on common withdrawal strategies and what they use in each of their firms ( 12:04 )The level of impact of some of the changes in the One Big Beautiful Bill Act ( 30:51 )Things to consider when doing rule of 55 distributions from your employer retirement plan ( 37:56 )Their thoughts on how many funds and h...

Transcript

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0:00.0	Let's do another Hot Topics episode where this week I'm joined by Mark Rosinski from Dunes Financial,
0:05.0	where we talk about the pros and cons of different withdrawal strategies, Rule 55,
0:09.2	how to allocate a stock portfolio and much, much more in this the 165th episode of the Retirement Planning Education Podcast.
0:19.3	Welcome to the Retirement Planning Education podcast, where you can learn all about IRAs and Roth IRAs,
0:25.3	employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies,
0:31.2	annuities, estate planning, and much more. And now here's your host, Andy Panko.
0:36.6	Howdy y'all? Welcome back. Thank you as well as for listening.
0:40.3	Today is another Hot Topics episode where I am joined by a fellow advisor where we talk about,
0:46.9	quote unquote, hot topics, which can be things at our current events, hence hot topics,
0:51.8	or things that people are asking about, either our clients or questions we've seen in a Facebook group or even just things we think are relevant or maybe of interest to people in or near retirement, if not now at some point in your future, it may be.
1:07.7	So this format is another advisor and I just sort of bounce back and forth. We have a list
1:11.6	of topics ahead of time that we will be discussing, but we don't know what each other's answers
1:16.7	our input is going to be. We may agree. We may disagree. But the goal is for you all listening
1:21.6	to hear two different perspectives about the same topic, the same question from two folks who are in the thick of
1:29.0	doing this professionally. By this, I mean retirement planning and specifically distribution,
1:35.4	income planning, tax planning, laced throughout the process or the process, as they say,
1:40.7	north of the border. Before we get into it, so Mark Rosenzinski, great guy, Dunes Financial.
1:46.6	He was on the show a few months ago.
1:48.1	I'll link to that episode to check it out.
1:49.7	You can also find a link to his site.
1:51.6	And then it's this show.
1:53.4	Really sharp fellow, great planner.
	...

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