It's time for a special edition episode where this week I'll be sharing my background

and how my experiences, education, and circumstances shape my views, opinions, and beliefs

about the industry. It led me to set up my advisory firm the way I did and create the

retirement planning education suite of content in this, the 189th 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, everyone. Welcome back.

Thank you as always for listening.

So today is going to be a little different.

Today is a special edition one where there are months with five Thursdays in it

because this podcast comes out every Thursday, or at least comes out Thursday on East Coast time.

I realize due to the hour I release it to the world, it actually comes out late at night, Thursday on East Coast time. I realized due to the hour I release it to the world,

it actually comes out late at night, Wednesday on, uh, you know,

West Coast time. But whatever, it is the fifth Thursday of the month.

And on the fifth Thursday, it is sort of a to be determined topic where I kind of

figured out at the time.

Lately, I've been having other advisor friends take the reins and run with it themselves

and do the whole episode themselves.

I got behind and realizing there was five Thursdays in January.

And so I couldn't quite line someone else up.

So here I am.

I need to come up with something myself.

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