Well for perch and bluegills, tiny jigs tipped with mousies or grubs are hard to beat. For crappie, dots tipped with fathead minnows or rosies. If your going for walleye, jigging Rapalas tipped with a fathead. For pike, a large shiner or sucker minnow on a circle hook with a steel leader.
As far as rods go, ultra light for panfish, medium for walleye, and meadium heavy and up for pike. Everyone has they're own preferences in rod power and length, though.
And if you got the extra cash to throw around, invest in a good flasher. Marcum or Vexilar. It will really cut down on the amount of time you'lll spend looking for active fish, and will help you get more bites from inactive fish.
Oh yeah, and a sled to haul all this crap is also VERY helpful.