Andy Panko was a fun and engaging guest that contributed fully to the financial planing community with his sharing on this episode.  Andy is a retirement planning & investment management aficionado | Creator of YouTube channel, "Retirement Planning Demystified" | Moderator of Facebook group, "Taxes in Retirement" | Author of monthly newsletter, "Retirement Planning Insights" | Originator of the acronym TERP...Tax-Efficient Retirement Planning