Home / Retirement Planning Education, with Andy Panko / #184 - Q&A edition...consolidating accounts, tax withholdings vs estimated payments, QLACs, the 4% rule and MORE!

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

Retirement Planning Education, with Andy Panko

Dec 25, 2025

59 min

Description

Listener Q&A where Andy talks about: Potential advantages or disadvantages of consolidating retirement accounts ( 4:28 )Paying taxes through IRA withholdings vs making estimated payments ( 13:08 )Whether a minister's housing allowance impacts Affordable Care Act subsidy eligibility ( 26:...

Listener Q&A where Andy talks about:

Potential advantages or disadvantages of consolidating retirement accounts ( 4:28 )
Paying taxes through IRA withholdings vs making estimated payments ( 13:08 )
Whether a minister's housing allowance impacts Affordable Care Act subsidy eligibility ( 26:11 )
When Qualified Longevity Annuity Contracts ("QLACs") might make sense to consider ( 30:27 )
When following the 4% "rule" for distributions, can you reset your initial distribution if/when your portfolio value increases from market gains ( 37:48 )
If someone has an outdated will and unused trust, but the person verbally stated their wishes to the heirs, is there a need to update will and/or trust, especially if there is currently nothing in the trust ( 49:19 )

To send Andy questions to be addressed on future Q&A episodes, email [email protected]

Links in this episode:

Tenon Financial August 2024 newsletter about - Retirement plan-to-IRA rollover pros and cons
Retirement Planning Education YouTube video - What is a QLAC (Qualified Longevity Annuity Contract)?
Retirement Planning Education podcast episode - #002 - What's the 4% Rule

My company newsletter - Retirement Planning Insights
Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
Retirement Planning Education website - www.RetirementPlanningEducation.com

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