Retirement Planning Education, with Andy Panko #191 - "Hot topics" edition...Andy and Jason Cutitta talk about inheritances, Die With Zero, TSP in-plan conversion, taking RMDs and MORE!
Feb 12, 2026
Jason Cutitta, retirement planner and principal of ToBa Financial who hosts the Hawaii Retirement Show, joins to tackle timely retirement puzzles. They discuss treating potential inheritances, limits of the Die With Zero idea, new in-plan Roth conversions for TSP, strategies for which accounts to tap first with age gaps, RMD timing, tax filing reasons, and when to hire an advisor.
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Parking-Lot Lego Treasure Hunt
- Andy bought retired Lego modular sets in a casual parking-lot exchange and enjoyed the quirky experience.
- He plans to build them slowly and savor the hobby rather than flip them quickly.
Don't Rely On Inheritances
- Don't count on an inheritance until you actually receive it.
- If inheritance seems likely soon, treat it as informal planning input but build contingencies if it doesn't materialize.
Practical Limits Of 'Die With Zero'
- The Die With Zero idea encourages spending and gifting earlier in life but hits limits because of uncertain lifespans and market returns.
- Using income annuities or staged gifting can operationalize the concept while mitigating longevity risk.
