Melodicum

#226 – "Real" person retirement planning chat with Mike

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#225 - "Hot topics" edition...Andy and Dan VanDusen talk about 529s vs Trump accounts vs UTMA brokerage accounts, common errors on tax returns, the current state of the bond market and MORE!

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#224 - The basics of bonds: what they are, how they work, and how to use them in retirement planning

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#223 - Q&A edition...the 4% rule, Artificial Intelligence and the planning world, RMDs vs annuity income, TIPS, and MORE!

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#222 - All about pensions...what they are, how they work, how to decide between taking lifetime payments or a lump sum, and MORE! [replay of Andy's appearance on the Catching up to FI podcast]

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#221 - Retirement planner chat with Ryan Langan from Your Path Fi

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#220 - How to move to a new state...tax compliantly

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#219 - Q&A edition...paying down a mortgage vs paying tax on Roth conversions, Social Security survivor benefits, converting ALL pre-tax money to Roth, updating account beneficiaries, and MORE!

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#218 – "Real" person retirement planning chat with Mark

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#217 - Q&A edition...unrealized gains in brokerage accounts, variable withdrawal strategies, unused 529 funds, protecting against fraud from advisors and MORE!

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#216 - Trump accounts: what they are, how they work, and use cases

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#215 - Summary of the 2026 annual Social Security trustees report

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#214 - Q&A edition...Roth conversions, directionality vs precision, separately managed accounts, tax return extensions and MORE!

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#213 – "Real" person retirement planning chat with Tom

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#212 - "Hot topics" edition...Andy and Tanya Nichols talk about having mortgages in retirement, when to start spending down HSAs, what might happen to Social Security and MORE!

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#211 – 8 common tax planning mistakes often made in retirement

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#210 - Q&A edition...Mega backdoor Roth contributions, nonqualified annuities, exceptions to the IRA early withdrawal penalty, when to hire an advisor, how much is too much to pay for an advisor and MORE!

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#209 – "Real" person retirement planning chat with Mark Ross from the Rock Retirement Club

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#208 - "Hot topics" edition...Andy and Adam Grossman talk about analyzing annuities, retiring to a different state, bonds vs bond funds, inflation and MORE!

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#207 – Roth conversion analysis: more than meets the eye

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#206 - Q&A edition...Social Security spousal benefits, tax withholdings on Social Security, bonds vs bond funds, separating basis out of IRAs and MORE!

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#205 – "Real" person retirement planning chat with Daryl

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#204 - "Hot topics" edition...Andy and Brad Flood talk about portfolio withdrawal strategies & sequence of returns risk, financial planning software limitations, balancing optimization and simplicity, and MORE!

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#203 – Options for holding cash and cash equivalents

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#202 – Guest host Mark Rosinski discusses Treasury obligation interest, basis in inherited IRAs, RMD aggregation rules, doubling up contributions to 457 plans, and ways to invest during the Social Security delay period

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#201 - Q&A edition...A.I. and financial planning, the "withhold and replace" method of paying taxes, step DOWN in basis, TIPS ladders and MORE!

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#200 – 200th episode special edition: my observations about the financial services industry

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#199 - "Hot topics" edition...Andy and Jonathan Vance talk about opportunities in the current market environment, 2026 tax updates, questions to ask advisors and MORE!

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#198 - Whether to take a pension as a lump sum or monthly payments

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

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#196 – "Real" person retirement planning chat with Jim Kellerman

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#195 - Retirement planner chat with Bradley Hilton from Sonas Financial Planning

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#194 - Gifting, gift taxes, annual gift exclusion and gift tax returns (IRS Form 709)

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#193 - Q&A edition...Social Security lump sum for retroactive payments, whether to pay off a mortgage, step-up in basis, gifting without having to file a gift tax return and MORE!

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#192 – "Real" person chat with Kevin Sebesta from the Rock Retirement Club, discussing FIRE...Financial Independence, Retire Early

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#191 - "Hot topics" edition...Andy and Jason Cutitta talk about inheritances, Die With Zero, TSP in-plan conversion, taking RMDs and MORE!

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#190 - All about "backdoor" Roth contributions

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#189 - My background and prior experiences and how they shaped my views and approach to retirement planning and starting my own firm and creating this podcast

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#188 - Q&A edition...Social Security spousal benefits, cognitive biases in investing, changing state tax domicile, naming minors as beneficiaries and MORE!

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#187 – "Real" person chat with Kevin Lyles from the Rock Retirement Club, discussing six "Retirement Truths"

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#186 - "Hot topics" edition...Andy and Cody Garrett talk about ACA tax credits, Roth conversions, tax gain harvesting, paying taxes in retirement, using HSAs and MORE!

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#185 - My thoughts and commentary about what the financial markets did in 2025

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#184 - Q&A edition...consolidating accounts, tax withholdings vs estimated payments, QLACs, the 4% rule and MORE!

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#183 – Retirement planning chat with a "real" person, Jill

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#182 - "Hot topics" edition...Andy and Kevin Thompson talk about the One Big Beautiful Bill Act, the markets, IRMAA, senior exploitation and MORE!

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#181 - Q&A edition...understanding Roth IRA income limits, deciding between pension payment options, when to Roth convert vs distribute from an IRA and MORE!

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#180 - Q&A edition...Social Security spousal and survivor benefits, finding an advisor who doesn't require investment management, how a decedent's income is taxed and MORE!

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#179 – "Real" person chat with Beth Pinsker about her new book, My Mother's Money, A Guide to Financial Caregiving

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#178 - "Hot topics" edition...Andy and Ben Brandt talk about Monte Carlo, Donor Advised Funds, paying taxes on Roth conversions, how advisors dress and MORE!

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#177 - 2025 year-end tax planning tips and items to consider

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#176 - Guest host Brian Tegtmeyer from Truly Prosper Financial Planning talks about the non-financial aspects of planning a great retirement

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#175 - Q&A edition...The CAPE ratio and US stock market valuation, good enough vs optimization in retirement planning, tax on foreign stock dividends and MORE!

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#174 – Retirement planning chat with a "real" person, Jackie Cummings Koski

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#173 – Retirement planner chat, with Allen Mueller from 7 Saturdays Financial

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#172 - The conflicts, pros, cons and use cases of the different advisory fee structures

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#171 - Q&A edition...how much you can spend in retirement, Roth IRA 5-year rule, RMDs, accounts for grandchildren and MORE!

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#170 – Retirement planning chat with a "real" person, Scott

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#169 - "Hot topics" edition...Andy and Justin Pritchard talk about target date funds, illiquid assets in 401(k) plans, firing an advisor and MORE!

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#168 - Helpful tools and interesting information from the recent IRS Tax Forum

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#167 - Q&A edition...basis in inherited IRAs, Social Security break even analysis, coordinating RMDs and Roth conversions and MORE!

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#166 - The most common retirement planning questions from "real" people

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#165 - "Hot topics" edition...Andy and Mark Rosinski talk about different withdrawal strategies, rule of 55 distributions, allocating the stock portion of a portfolio and MORE!

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#164 - Summary of the 2025 annual Social Security trustees report

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#163 - Guest host Larry Pershing from Optimum Retirement Planning talks about managing and reducing concentrated stock holdings

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#162 - Q&A edition...more about bonds, taking distributions from a 401(k), when tax rates might actually go up (and by how much) and MORE!

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#161 – Retirement planning chat with a "real" person, Jan

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#160 - "Hot topics" edition...Andy and Lauren Hunt talk about the Social Security annual trustees report, the ever-increasing stock market, whether to take out loans or pay for things outright and MORE!

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#159 - SPECIAL EDITION...Provisions of the "One Big Beautiful Bill Act" most likely to impact your tax return

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#158 - How investment custodians make money

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#157 - Q&A edition...bonds and the bond market, paying estimated taxes, converting ALL pre-tax money to Roth and MORE!

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#156 - Three "real" people discuss how they handled the emotional transition into retirement and how they now find fulfillment, meaning and satisfaction

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#155 - "Hot topics" edition...Andy and Larry Pershing talk about the Big Beautiful (tax) Bill, US debt, concentration in the S&P 500 and MORE!

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#154 - What retirement-focused financial and tax planning firms do for their fee, using my firm as an example

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#153 - Guest hosts Mike Powers and Kirsten Ashbaugh from Manuka Financial talk more about data and cybersecurity best practices

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#152 - Q&A edition...how to deal with market declines, Social Security spousal benefits, vacation home sale impacts on IRMAA and MORE!

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#151 – Retirement planning chat with a "real" person, Rob Berger

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#150 - "Hot topics" edition...Andy and Brian Tegtmeyer talk about retiring in a down market, concerns about Social Security, making estimated tax payments and MORE!

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#149 - Tips and best practices to protect your ID and financial information

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#148 - Q&A edition...buffer ETFs, direct indexing, bucketing strategies, kiddie tax and MORE!

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#147 – Chat with four "real" people, sharing what they wish they would have known or done differently during their divorces

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#146 – Retirement planner chat, with Mark Rosinski from Dunes Financial

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#145 - Understanding mutual fund capital gain distributions

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#144 - Q&A edition...Rule of thumb for retirement income needs, qualified vs ordinary dividends, Social Security taxation and MORE!

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#143 – Retirement planning chat with a "real" person, Jim Jones

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#142 - "Hot topics" edition...Andy and Mike Powers talk about tariffs, TIPs, international stocks, data/cyber security and MORE!

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#141 - Determining how much Roth conversion to do in a given year

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#140 - Q&A edition...Donor Advised Funds, back door Roth IRA contributions, 10-year Treasury bonds, crypto and MORE!

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#139 – Retirement planning chat with a "real" person, John McLaurin

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#138 – Retirement planner chat, with Liz Yoder from Dependent Financial Planning

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#137 - 7 scenarios where it might be beneficial to do Roth conversions

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#136 - Guest host edition...Mike Powers walks through his retirement planning checklist

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#135 - Q&A edition...understanding financial advisor's titles, repeal of Social Security WEP & GPO, umbrella insurance and MORE!

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#134 – Retirement planning chat with a "real" person, Brian Alexander

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#133 – Retirement planner chat, with Eric Niergarth from Retirement Roadmap Financial Planning

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#132 - Why the value in financial advisory services can't actually be measured

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#131 - Q&A edition...mutual funds vs ETFs, traditional vs rollover IRAs, how much umbrella insurance to get and MORE!

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#130 – Retirement planning chat with a "real" person, Peter Townsend

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#129 – Retirement planner chat, with Andrew Gray from Gray Wealth Strategies

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#128 - How to decide whether to own or rent your home in retirement

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#127 - Q&A edition...concentration in the S&P 500, direct indexing, how to transfer accounts from one broker to another and MORE!

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#226 – "Real" person retirement planning chat with Mike

Playlist

#225 - "Hot topics" edition...Andy and Dan VanDusen talk about 529s vs Trump accounts vs UTMA brokerage accounts, common errors on tax returns, the current state of the bond market and MORE!

Playlist

#224 - The basics of bonds: what they are, how they work, and how to use them in retirement planning

Playlist

#223 - Q&A edition...the 4% rule, Artificial Intelligence and the planning world, RMDs vs annuity income, TIPS, and MORE!

Playlist

#222 - All about pensions...what they are, how they work, how to decide between taking lifetime payments or a lump sum, and MORE! [replay of Andy's appearance on the Catching up to FI podcast]

Playlist

#221 - Retirement planner chat with Ryan Langan from Your Path Fi

Playlist

#220 - How to move to a new state...tax compliantly

Playlist

#219 - Q&A edition...paying down a mortgage vs paying tax on Roth conversions, Social Security survivor benefits, converting ALL pre-tax money to Roth, updating account beneficiaries, and MORE!

Playlist

#218 – "Real" person retirement planning chat with Mark

Playlist

#217 - Q&A edition...unrealized gains in brokerage accounts, variable withdrawal strategies, unused 529 funds, protecting against fraud from advisors and MORE!

Playlist

#216 - Trump accounts: what they are, how they work, and use cases

Playlist

#215 - Summary of the 2026 annual Social Security trustees report

Playlist

#214 - Q&A edition...Roth conversions, directionality vs precision, separately managed accounts, tax return extensions and MORE!

Playlist

#213 – "Real" person retirement planning chat with Tom

Playlist

#212 - "Hot topics" edition...Andy and Tanya Nichols talk about having mortgages in retirement, when to start spending down HSAs, what might happen to Social Security and MORE!

Playlist

#211 – 8 common tax planning mistakes often made in retirement

Playlist

#210 - Q&A edition...Mega backdoor Roth contributions, nonqualified annuities, exceptions to the IRA early withdrawal penalty, when to hire an advisor, how much is too much to pay for an advisor and MORE!

Playlist

#209 – "Real" person retirement planning chat with Mark Ross from the Rock Retirement Club

Playlist

#208 - "Hot topics" edition...Andy and Adam Grossman talk about analyzing annuities, retiring to a different state, bonds vs bond funds, inflation and MORE!

Playlist

#207 – Roth conversion analysis: more than meets the eye

Playlist

#206 - Q&A edition...Social Security spousal benefits, tax withholdings on Social Security, bonds vs bond funds, separating basis out of IRAs and MORE!

Playlist

#205 – "Real" person retirement planning chat with Daryl

Playlist

#204 - "Hot topics" edition...Andy and Brad Flood talk about portfolio withdrawal strategies & sequence of returns risk, financial planning software limitations, balancing optimization and simplicity, and MORE!

Playlist

#203 – Options for holding cash and cash equivalents

Playlist

#202 – Guest host Mark Rosinski discusses Treasury obligation interest, basis in inherited IRAs, RMD aggregation rules, doubling up contributions to 457 plans, and ways to invest during the Social Security delay period

Playlist

#201 - Q&A edition...A.I. and financial planning, the "withhold and replace" method of paying taxes, step DOWN in basis, TIPS ladders and MORE!

Playlist

#200 – 200th episode special edition: my observations about the financial services industry

Playlist

#199 - "Hot topics" edition...Andy and Jonathan Vance talk about opportunities in the current market environment, 2026 tax updates, questions to ask advisors and MORE!

Playlist

#198 - Whether to take a pension as a lump sum or monthly payments

Playlist

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

Playlist

#196 – "Real" person retirement planning chat with Jim Kellerman

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#195 - Retirement planner chat with Bradley Hilton from Sonas Financial Planning

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#194 - Gifting, gift taxes, annual gift exclusion and gift tax returns (IRS Form 709)

Playlist

#193 - Q&A edition...Social Security lump sum for retroactive payments, whether to pay off a mortgage, step-up in basis, gifting without having to file a gift tax return and MORE!

Playlist

#192 – "Real" person chat with Kevin Sebesta from the Rock Retirement Club, discussing FIRE...Financial Independence, Retire Early

Playlist

#191 - "Hot topics" edition...Andy and Jason Cutitta talk about inheritances, Die With Zero, TSP in-plan conversion, taking RMDs and MORE!

Playlist

#190 - All about "backdoor" Roth contributions

Playlist

#189 - My background and prior experiences and how they shaped my views and approach to retirement planning and starting my own firm and creating this podcast

Playlist

#188 - Q&A edition...Social Security spousal benefits, cognitive biases in investing, changing state tax domicile, naming minors as beneficiaries and MORE!