Retirement Planning Education, with Andy Panko

#096 - Q&A edition...US government debt concerns, Health Savings Accounts, how to estimate taxes and MORE!

• Andy Panko

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Listener Q&A where Andy talks about: 

  • Am I concerned about the increasing amount of US government debt, and how do I think it will impact retirees' investments ( 1:32 )
  • Are there any custodians that offer Roth versions of SEP IRAs ( 16:58 )
  • Is there a simple way to estimate what your total taxes will be for the year ( 19:28 )
  • Could it make sense to invest in municipal bonds instead of bonds where the interest is taxable - even if the after-tax yield of the non-municipal bonds is higher - if the interest from the municipal bonds will have smaller impact on Modified Adjusted Gross Income for things like Medicare premium surcharges and Affordable Care Act premium tax credits ( 26:01 )
  • A listener's feedback on why he feels a living/revocable trust was a good idea for him ( 31 :48 )
  • How much money is TOO MUCH to have in a Health Savings Account ("HSA") ( 36:16 )
  • Is it better to take a year's Required Minimum Distribution ("RMD") all at once, or spread out throughout the year ( 42:05 )


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Andy Panko

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