#178 - "Hot topics" edition...Andy and Ben Brandt talk about Monte Carlo, Donor Advised Funds, paying taxes on Roth conversions, how advisors dress and MORE!

Retirement Planning Education, with Andy Panko

Andy Panko

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

4.9 • 1.1K Ratings

🗓️ 13 November 2025

⏱️ 72 minutes

🔗️ Recording | iTunes | RSS

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Summary

Andy and Ben Brandt from Retirement Starts Today share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Thoughts on Monte Carlo analysis; the good, the bad, the ugly ( 9:10 )Why all retirement plans are ultimately wrong as soon as they're made, and need to be agile and adaptable ( 13:30 )How to try to help people get comfortable spending the money they've accumulated ( 22:53 )Should people care how financial a...

Transcript

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0:00.0	Let's have another hot topics episode where this week I'm joined by my friend Ben Brandt,
0:03.7	where he and I share our thoughts about Monte Carlo analysis, donor advised funds,
0:08.1	how to pay taxes on Ross conversions, whether or not it matters how financial advisors
0:11.8	dress and much more in this the 178th episode of the Retirement Planning Education Podcast.
0:20.5	Welcome to the Retirement Planning Education podcast, where you can learn all about IRAs and Roth IRAs,
0:26.4	employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies, annuities,
0:33.1	estate planning, and much more. And now here's your host, Andy Panko.
0:39.5	Hello, everyone. all you fine folks.
0:44.6	Welcome back. Thank you as always for listening. So today is another episode where I have on a fellow retirement planner. It is none other than Benjamin Brandt or Ben Brandt for short, instead of
0:50.6	Benjamin. Uh, you know him, you love him. He is the host of the retirement starts today
0:55.4	radio podcast. It's been around for 10 years now, as you'll hear him say. So those you who already
1:03.1	know Ben, listen to Ben or have listened to Ben, you are probably very familiar with him.
1:06.8	For those of you haven't, definitely check out his show. I'll link to it below. But again,
1:10.3	it's been around 10 years. And was one of my favorite podcasts when I was in the process of
1:15.9	transitioning or planning my leave from my prior corporate life to start up my own advisory
1:21.1	firm. Ben's podcast and a few others were ones who were on my rotation every week that I would
1:27.1	listen to as I would take the train
1:29.2	into New York from my house in suburban New Jersey. I'd had the train was about 45, 50 minutes
1:33.7	each way every day. So I had a lot of time to kill soaking up podcast. And like I said,
1:37.9	Ben was one every week. It was on the auto download rotation where I'd listen to it on the train
1:43.3	ride to her from work.
1:44.5	So very happy that he came on.
	...

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