#180 - Q&A edition...Social Security spousal and survivor benefits, finding an advisor who doesn't require investment management, how a decedent's income is taxed 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

🗓️ 27 November 2025

⏱️ 56 minutes

🔗️ Recording | iTunes | RSS

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Summary

Listener Q&A where Andy talks about: Starting Social Security benefits early so your minor children can claim dependent benefits, and how the earnings test can come into play if you're still working ( 5:53 )Social Security spousal benefits, and what happens when the lower earning spouse starts their own benefit early at a reduced amount, then later switches to spousal benefits ( 10:35)Social Security survivor benefits and whether the surviving spouse should start their own benefits ...

Transcript

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0:00.0	I'm about to do another Q&A episode where this week I'll be talking about Social Security spousal and survivor benefits, finding an advisor who doesn't require management of investments, taxability of someone's income after they die, and much more in this the 180th episode of the Retirement Planning Education Podcast.
0:18.1	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, annuities, estate planning, and much more.
0:32.8	And now here's your host, Andy Panko.
0:35.3	Hello, everyone. Welcome back. Thank you as always for listening and happy Thanksgiving.
0:39.3	So when this episode first comes out, it will be Thanksgiving, 2025.
0:45.3	So happy Thanksgiving to everyone.
0:46.9	If you were listening to this after Thanksgiving, then happy belated Thanksgiving to you.
0:52.5	Let's see.
0:53.1	So today is a Q&A episode. I have a bunch of questions. For people who do send questions in, I did get some follow up from people just saying, hey, I sent an email and then whatever, a couple weeks later, email me back, just saying, I want to make sure you got the question. So I guess that's okay to do. I'm just thinking out loud here. Like I will get to it eventually.
1:12.0	Like in this case,
1:12.6	I only do these Q&As once a month. So if nothing else, and if you don't hear it addressed in the next version of the Q&A, then give me a shout. Or if it's something like really long and it's going to take a lot of time or analysis or it's a much bigger topic. I may just kind of crassinate and sit on it because I got to figure out what to do with it
1:29.3	and do it justice eventually.
1:32.8	So, but anyway, where am I going with that?
1:34.5	So do send questions to me if you'd like them answered on the show at Andy at Andypanco.com.
1:41.8	I will eventually get to them.
1:43.5	I do try to get them, you know, not let them sit for a month or so and try to
1:49.1	try to bang them out within the next upcoming Q&A, whatever that may be.
1:52.3	But I will get back to you and or address them at some point.
1:57.7	Dad joke.
1:59.1	Why did the deer go to the dentist?
2:01.4	Because it had buck teeth.
2:03.6	So actually, I'm not a hunter, but I think buck may just be a certain type of deer or maybe just a male deer.
	...

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