#186 - "Hot topics" edition...Andy and Cody Garrett talk about ACA tax credits, Roth conversions, tax gain harvesting, paying taxes in retirement, using HSAs 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

🗓️ 8 January 2026

⏱️ 89 minutes

🔗️ Recording | iTunes | RSS

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Summary

Andy and Cody Garrett from Measure Twice Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Affordable Care Act ("ACA") tax credits and income "cliffs" in tax planning ( 08:13 )Doing Roth conversions vs tax gain harvesting ( 22:30 )Paying taxes in retirement; estimated payments vs withholdings ( 31:33 )Rushing into Roth conversions ( 38:50 )When to start doing HSA distributions ( 51:31 )Should ...

Transcript

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0:00.0	Let's have another retirement planner hot topics chat this time with my buddy Cody Garrett and this is the 186 episode of the Retirement Planning Education Podcast.
0:12.0	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
0:22.7	withdrawal strategies, annuities, estate planning, and much more. And now here's your host, Andy Panco.
0:29.1	Hello everyone, welcome back. Thank you, as always, for listening. So today is another retirement
0:34.9	planner chat, specifically my friend Cody Garrett from Measure
0:38.7	Twice Money will be on. He is a very active, very sharp, very well-followed figure within
0:46.1	the retirement planning community and in an educational space. For those of you in the
0:51.3	retirement planning education Facebook group, you probably recognize Cody's one of the moderators, has been for multiple years, and is very active within the group.
0:59.0	So he and I chat about a handful of things.
1:00.8	So to recap in a moment.
1:02.4	But first, my big, goofy smile moment of the week is, thank you all.
1:07.0	This show has finally crossed over 1,000 reviews on Apple Podcasts.
1:12.0	Q the applause. So yeah, seriously, thank you. It is, uh, what's today? It is January 6th.
1:20.1	It is about five, a little after 5 p.m. Eastern as I'm recording this, uh, we reached over
1:25.1	1,000 likes or 1,000, uh, what I'm saying, reviews.
1:29.5	This was two days ago.
1:30.7	Or maybe yesterday, just Monday.
1:32.6	Um, but just so you know where it stands as of now looking in Apple Podcasts,
1:38.0	1,0008 ratings.
1:40.7	Awesome.
1:41.2	Thank you very much.
1:42.0	Maybe smile.
	...

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