The Retirement Answer Man® Show

Hitting the hot topics of life and retirement, right between the ears.

Find your favorite episode or topic by using the search box below!

#416 - Relocation for Retirement: Why We Moved

#416 - Relocation for Retirement: Why We Moved

A new year means a new Retirement Plan Live! Over the course of the next 4 episodes, you’ll hear about Joelle and Mike and their plans for their recent retirement. Then, at the end of the month on January 27, we’ll wrap RPL up with a live webinar that you can participate in. Head on over to LiveWithRoger.com to register.

On this episode, you’ll learn about Joelle and Mike’s thought process on moving to a different state for their retirement. You’ll also hear from Kevin in Coach’s Corner as he explains his Zero Based Budgeting process. This episode is jam-packed with information including one correction to an answer that I recently gave to a listener question. Press play to listen now.

PodcastsRoger WhitneyJanuary 5, 2022relocation, RPL, retirement plan live, Joelle, Kevin Lyles

#415 - Is Cryptocurrency a Good Investment for My Retirement?

#415 - Is Cryptocurrency a Good Investment for My Retirement?

Do you own any cryptocurrency? First introduced in 2009, Bitcoin and other cryptocurrencies have exploded in popularity over the past few years.

On this episode of Retirement Answer Man, we’ll discuss what cryptocurrency is, how it is revolutionizing the banking system and the drawbacks of this new type of currency. Listen in to learn whether you should add a bit of crypto to your retirement portfolio and you’ll also hear the answers to listener questions about IRA contributions and IRMAA surcharges.

PodcastsRoger WhitneyDecember 29, 2021cryptocurrency, investing, ACA, IRMAA

#414 - How Will I Estimate What My RMD Will Be at Age 72?

#414 - How Will I Estimate What My RMD Will Be at Age 72?

Do you have a system for estimating what your future RMDs will be? Should you keep a mortgage or pay off the balance of your house in retirement? What should you do with the money that you withdraw to fill up your tax bracket? These are just a few of the questions that will be answered on this episode of Retirement Answer Man. Press play to check it out!

PodcastsRoger WhitneyDecember 22, 2021RMD, tax brackets, IRA, mortgage, 401k

#413 - Are I-Bonds a Smart Investment for My Retirement Portfolio?

#413 - Are I-Bonds a Smart Investment for My Retirement Portfolio?

Do you have a net worth statement that you update regularly? Whether or not you do, you’ll want to learn about the psychological benefits that this exercise can create. In this episode of The Retirement Answer Man show, we’ll discuss what a net worth statement is and how you can gain from creating one regularly.

You’ll also hear several listener questions that range from inherited IRAs to I-bonds, to SPIA annuities. If you are interested in rocking retirement, you’ll need to arm yourself with the knowledge to help you navigate this change in life. Listen in to get started on your retirement education journey.

PodcastsRoger WhitneyDecember 15, 2021investment portfolio, net worth statement, I-bonds, SPIA, IRA

#410 - The Mechanics of Decumulation

#410 - The Mechanics of Decumulation

How do you pivot from a moderately aggressive portfolio in the accumulation stage of retirement planning to the decumulation stage? In today’s episode, we tackle two listener questions about the mechanics of decumulation in retirement planning. You’ll also hear a question about using QLACs to reduce RMDs. If you are wondering about the details on how exactly you are going to make this retirement thing work then be sure to press play.

PodcastsRoger WhitneyNovember 24, 2021decumulation, QLAC, taxes

#409 - Reflections on the Retirement Scene

#409 - Reflections on the Retirement Scene

We often have monthly themes to guide the topics of this show, but this month on Retirement Answer Man we are doing a bit of a mishmash. Today I want to share some thoughts I had on retirement in general and answer a few retirement questions. As you listen, think about which topics apply to you and your situation and see if you can come up with actions that can get you closer to your retirement goals.

PodcastsRoger WhitneyNovember 17, 2021retirement reflections, frugality, overcoming frugality, feasible, resilient, optimized, retirement planning

#406 - What the Happiest Retirees Know with Wes Moss

#406 - What the Happiest Retirees Know with Wes Moss

Do you understand what you need to do to build a happy retirement? My guest today has studied the data to tell the story of happy retirees in his new book, What the Happiest Retirees Know. Wes Moss is not only an author of multiple books, he is the host of the live radio show, Money Matters, and the Retire Sooner podcast. Learn the habits to develop now to create a happy retirement by listening to this interview with Wes Moss.

PodcastsRoger WhitneyNovember 2, 2021happiness, Wes Moss, healthy habits

#404 - Retirement Tax Management: How to Incorporate into Your Retirement Plan

#404 - Retirement Tax Management: How to Incorporate into Your Retirement Plan

Over the past several episodes you have learned so much about tax planning in retirement. You learned why tax planning is important, all about the hidden tax bombs, and tools that you can use to defuse those tax bombs. Now it’s time to incorporate all of this newfound knowledge into your retirement plan.

Andy Panko from Tenon Financial joins me once again to discuss how to incorporate tax planning into your retirement plan. Press play to hear how you can create a retirement plan that incorporates tax planning.

PodcastsRoger WhitneyOctober 26, 2021retirement tax management, taxes, Andy Panko, retirement planning, Retirement plan of record

#403 - Listener Questions: I have Roth Conversion Questions!

#403 - Listener Questions: I have Roth Conversion Questions!

Roth conversions, HSAs, pension choices, risk management: these are the topics of today’s listener questions.

Susan, Gina, IM, and Daniel all submitted their questions to me via RogerWhitney.com/AskRoger and you can too! If you have any retirement questions, or even if you simply want to leave a comment about the show, click on the link to present your question.

Whether you are looking to learn more about HSAs, Roth conversions, or evaluate your pension choices, listening to other listeners’ questions can help you learn how to frame your own questions and consider your options by always keeping your goals in mind.

PodcastsRoger WhitneyOctober 22, 2021listener questions, Roth, HSA, pension, risk management

#402 - Retirement Tax Management: The Tax Toolbox

#402 - Retirement Tax Management: The Tax Toolbox

Are you worried that you won’t be able to live the life of your dreams in retirement? This is one of the main issues facing many people on the cusp of retirement. That’s why I created the Retirement Answer Man Show. I want to help you find the confidence to truly rock retirement.

One way that you can become more confident in your retirement plan is by utilizing the tax planning tools that are available to you. Andy Panko from Tenon Financial is here to help you identify all the tools available in your tax toolbox. Press play to open up your tax toolbox and see what is inside.

PodcastsRoger WhitneyOctober 20, 2021retirement tax management, taxes, Andy Panko, tax brackets, Roth, donation, QCD

#401 - Listener Questions: Is an Immediate Annuity a Good Option for Me?

#401 - Listener Questions: Is an Immediate Annuity a Good Option for Me?

Do you feel like you are late to the ball game in saving for retirement? Have you ever wondered if an annuity could take some of the stress out of writing your own retirement paycheck? Are you trying to figure out the best way to self-fund long-term care for you or your spouse?

All of these questions come directly from listeners like you. If you have questions about retirement, Fridays are a great time to tune in. We are now releasing 2 episodes a week: one focused on the monthly theme and the other focused on listener questions.

If you have a query of your own question head on over to RogerWhitney.com/AskRoger to submit your retirement questions.

PodcastsRoger WhitneyOctober 15, 2021listener questions, HSA, maximize retirement savings, SPIA, 401k, annuites

#400 - Retirement Tax Management: Hidden Tax Bombs

#400 - Retirement Tax Management: Hidden Tax Bombs

Have you been incorporating tax management into your retirement plan? If you have, you won’t want to miss this series, and if you haven’t, you definitely won’t want to miss this series.

Last week we set the stage for this retirement tax planning series when we discussed how planning for taxes can work within your retirement plan. This week we’ll make you aware of the hidden tax bombs that could wreck your retirement plan. In next week’s episode, we’ll learn which tools you can use to defuse those tax bombs, and then in the last week of this series, we’ll learn how to integrate those tax tools into your retirement plan.

My goal is to give you an organized way to incorporate tax planning into your overall retirement plan which is why I have invited retirement tax expert Andy Panko from Tenon Financial to join me to discuss the nuances of retirement tax planning. If you are ready to learn about the hidden tax bombs that are awaiting you in retirement then press play now.

PodcastsRoger WhitneyOctober 12, 2021retirement tax management, Andy Panko, social security, ACA, RMD, IRMAA, NIIT

#398 - Retirement Tax Management: Why It’s Important

#398 - Retirement Tax Management: Why It’s Important

Tax planning in retirement isn’t the same as in your working years. This is why we are dedicating an entire series to helping you understand how to manage your taxes in retirement. To help me navigate this complicated topic, I’ve invited retirement tax expert Andy Panko to join me for the whole month-long program.

Over the course of this series, you’ll learn why tax planning is important in retirement, which tax land mines to look out for, what tools to include in your tax toolbox, and how to integrate tax planning into your retirement plan. Are you ready to dive deep into retirement tax planning? Press play now to learn why tax planning in retirement is so important.

PodcastsRoger WhitneyOctober 5, 2021retirement tax management, AGI, Andy Panko

#397 - Retirement Planning for Non-Planners: 5 Things to Track During Retirement

#397 - Retirement Planning for Non-Planners: 5 Things to Track During Retirement

If you are the non-planning type, it can be easy to worry about whether your retirement plan is on track. How are you supposed to know what is going on and whether you should have the confidence to know if your plan is working?

On this episode of Retirement Answer Man, you’ll learn 5 things that you can check periodically to give you an idea if your retirement plan is on the right track. If you are wondering how to investigate whether or not your retirement plan is on track, then make sure to listen to this episode to learn what you need to know.

PodcastsRoger WhitneySeptember 29, 2021non-planners, retirement planning for non-planners, confidence, needs, Kevin Lyles