Home / Retirement Planning Education, with Andy Panko / #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!

#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!

Retirement Planning Education, with Andy Panko

Dec 04, 2025

1h 1m

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Listener Q&A where Andy talks about: A correction on something incorrect I said last week regarding deciding which spouse's pre-tax account to distribute or convert from ( 3:28 )Pros and cons of using a single total global stock market fund vs multiple other funds such as just US and jus...

Listener Q&A where Andy talks about:

A correction on something incorrect I said last week regarding deciding which spouse's pre-tax account to distribute or convert from ( 3:28 )
Pros and cons of using a single total global stock market fund vs multiple other funds such as just US and just international ( 8:17 )
What's in the calculation for Modified Adjusted Gross Income ("MAGI") for purposes of determining eligibility to contribute to a Roth IRA ( 14:49 )
Deciding when to start a Roth account, and whether it should be a Roth IRA or Roth 401(K) (if you have the option), and whether it should be funded via conversion or contribution ( 20:40 )
What to consider when deciding on which pension payment type of choose ( 27:52 )
Should IRA distributions instead be converted to Roth if you don't need to use the money any time soon ( 35:50 )
What to consider when retiring late (e.g. late-60s or 70s) ( 42:02 )
Explaining certain "fees" on trade confirmations, such as when buying coupon-paying bonds or stocks/ETFs ( 47:21 )
Why just looking at unrealized gains or losses on a position in a dividend or distribution paying security don't tell the whole story with regards to how much money you've actually made or lost in the position ( 53:45 )

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

Links in this episode:

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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