We're about to have another Retirement Planner Hot Topics episode where I'm joined by my friend John Vance from Vance Financial Planning and this is the 199th 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. This week listening

to the 199th episode of the retirement planning education podcast.

Next week will be the 200th, obviously, for those of you who are decent at math.

And I'm still thinking about what to do for that.

I'm going to try to do something a little different, dare I say special.

But anyway, that's neither here nor there.

That is, well, it is there, not here, I should say, because that's next week's episode. This week is a hot topics episode where I'm joined by my friend and colleague Jonathan Vance from Vance Financial Planning. Like a lot of the folks who've been on this show, we initially met virtually through the likes of LinkedIn or other online advisor forums and got to know each other that way and had, you know, communication back and forth over the years. And then eventually often meet in person. In John's case, we met recently, what was this last month, I guess it was, in Kansas City at a,

it's not really a conference, it's more of a large gathering for advisors who are flat fee, hourly,

and or advice only, meaning they do planning and advice, but don't require management investments

for clients, which is cool to be at. It's a third year this thing has happened. It's going to happen in next year. It's been growing every year. I've been at all three. I'm already signed up to go to the fourth next year. It started out at like, I don't know, 30, 40 people. The second year was like 50 something. This year hit capacity of 70. You know, the relatively small events base it was in. Next year, it's already, I think there's 60 people already signed up. And it's, you know, almost a year away. But anyway, so yeah, so we met in person. It was great to finally meet in person after having known each other and chat through Zoom and chats and stuff over the last few years. He's a really smart guy.

And again, like a lot of the other advisors on this show, it's not coincidence, but it was

sort of travel in the same circles. It's another flat fee virtual practice, focus on retirement,

distribution planning, and, you know, really good focus and emphasis on the tax

planning aspect of all this. Because as you all know, from listening to the show, there's a lot of

tax implications involved in doing distribution planning, managing investments, managing things like,

you know, gross income for purposes of Medicare surcharges or tax brackets or you know

other sort of things, ACA credits if that comes into play for you. So we came up with, oh,

I almost forgot. The dad joke is what kind of sandals do frogs wear? Open Toad, where Toad is spelled

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