#197 - Q&A edition...how often to rebalance, tracking Roth IRA contributions, are RMDs really that bad, paying off mortgages before retirement 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

🗓️ 26 March 2026

⏱️ 71 minutes

🔗️ Recording | iTunes | RSS

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Summary

Listener Q&A where Andy talks about: How often to check your accounts for rebalancing, and how often to check on your bigger picture finances and plan ( 2:32 )What to do with old positions you no longer want in a brokerage account but they all have large unrealized gains ( 16:03 )How Medi-Cal benefits interact with a high deductible health plan and an HSA (spoiler alert...I don't know!) ( 22:20 )Are there any good reasons to leave old/prior employer 401(k) plans where they are ( 25:...

Transcript

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0:00.0	We're about to have another Q&A episode. This week I'll talk about how often to rebalance your
0:04.2	accounts, tracking Roth IRA contributions. Our RMD is really that bad, paying off a mortgage
0:09.2	before retirement and more in this the 197th episode of the Retirement Planning Education
0:13.7	Podcast.
0:18.2	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.
0:32.9	And now here's your host, Andy Panko.
0:35.2	Hello, everyone. Welcome back. Thank you as well as for listening. Today's episode is this
0:39.4	month's Q&A episode. I do have a lot of questions. Thank you to everyone who sent them in.
0:44.7	As I mentioned in the last month's Q&A, I was not able to get through all the questions that
0:49.1	were in my inbox. So I just went through the oldest and started working my way forward
0:53.3	and got to, you know, answering as much as I could in roughly an hour-long episode.
0:59.1	And so now I'm picking up where I left off.
1:01.8	Looks like the next question was from February 10th.
1:04.7	So, you know, more than a month old at this point.
1:06.5	So from February 10th onward now is where I'm going with these questions.
1:09.4	If you do have other questions you'd like address on the shows, you can send them to
1:13.5	Andy at Andypanco.com.
1:15.5	I'll do my best to get to them.
1:17.5	I might actually start enlisting some other folks to help out, perhaps, just a thought
1:23.0	in my mind here.
1:24.1	So April, there will be five Thursdays in April, which means the fifth Thursday,
1:28.9	I need to fill with some sort of like special edition, special topics, whatever type of episode.
	...

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