I'm about to do another Q&A episode.

This week I'll talk about Roth IRA contribution income limits, deciding between pension payment options, when to convert versus due distributions from an IRA, and much more.

And this is the 181st 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, everybody. Welcome back. Thank you,

as always for listening. So today is the first Thursday of the month. And normally, this would be

one of my deep dive episodes where I talk about a particular topic in depth. But I frankly don't

have a topic that I really have queued up to discuss today.

Normally what I do for these is I will look at the monthly newsletter I did, which comes out the first of every month,

out of my advisory company.

And I write each month some deep dive analysis or discussion or whatever about something in that. And normally I just

sort of rip off that and use that as the topic for this first Thursday the month podcast episode.

My company newsletter came out and you can find a link to in the show notes if you're not

already subscribed. Check it out. I don't use that distribution list for anything other than sending

out the month of distributions or occasionally like I did a special thing about the One Big Beautiful Bill Act when that came out earlier in the year, but I don't use that otherwise for spamming people or whatever. But the topic I wrote about was how advisory, the value in advisory services can't be quantified, or at least the vast majority of it can't and um i already sort of

talked about that in the podcast earlier this year i want to say in january not to the same level of

depth as i as i wrote about now my my monthly news letter this month but enough that i felt like it

would basically just be kind of recapping that episode so So I didn't want to talk about that again here.

So I got to come up with something else.

And I decided I'll do another Q&A.

So I do have a handful of questions that were sent in that I will address today.

And there's a few other things I wanted to bring up that I've had in day-to-day dealings with some clients.

...