Andy and Mark Rosinski from Dunes Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about:

• Thoughts on common withdrawal strategies and what they use in each of their firms ( 12:04 )
• The level of impact of some of the changes in the One Big Beautiful Bill Act ( 30:51 )
• Things to consider when doing rule of 55 distributions from your employer retirement plan ( 37:56 )
• Their thoughts on how many funds and holding the stock portion of a portfolio should have ( 45:40 )
• When or if there are benefits to having multiple accounts of the same type, such as multiple IRAs, multiple brokerage accounts, etc. ( 57:31 )
• How to actually take distributions from a portfolio; from which accounts, in what frequencies, etc. ( 1:06:02 )
• General information and considerations about reverse mortgages ( 1:12:10 )

Links in this episode:

• Mark's firm - Dunes Financial
• Mark's previous appearance on the show - Episode #146
• Retirement Income Style Awareness ("RISA") assessment - here
• Portfolio Visualizer - here

To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

• 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

Andy summarizes the recent 2025 annual Social Security trustees report, including what it would actually mean if the system's trust fund were to deplete, and what changes can be made to ensure that doesn't happen

Links in this episode:

• The full 2025 Social Security trustees report - here
• My company's August 1 2025 newsletter summarizing the 2025 Social Security trustees report - here
  • The newsletter contains the links I mentioned to the various other newsletters, podcasts and YouTube video's I've done on the topic of Social Security

• Tenon Financial monthly e-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

To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

In this special guest host episode, Larry Pershing from Optimum Retirement Planning talks about how to reduce and manage concentrated holdings in your investment portfolio. Particular emphasis is given to the tax implications and tax management of trying to reduce highly appreciated positions in normal brokerage accounts

Links in this episode:

• Optimum Retirement Planning's website - https://www.optimumretirementplanning.com/

• Tenon Financial monthly e-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

To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com