Joe Knows Retirement

You're 60 years old, you have a pension, and you've saved $2 million for retirement. Congratulations! But now comes one of the biggest tax planning decisions you'll ever make: should you be doing Roth conversions? In this episode, Joe walks through a real-world case study showing why Roth conversions may make sense for retirees with pensions and substantial retirement savings. You'll learn why this situation is different than most retirees, how Required Minimum Distributions (RMDs) can create a future tax problem, and how proper planning could potentially save hundreds of thousands of dollars over your lifetime.

🎥 Subscribe to our You...

If you're retiring soon with a pension, your retirement planning is different than most people. Less than 20% of retirees have a pension, and if you've also saved $1 million or more, you're in a unique financial position that requires more advanced planning. In this episode of Joe Knows Retirement, Joe covers the biggest retirement mistakes to avoid before making irreversible pension decisions.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www...

If you have a pension and $1 Million or more saved, often the question is not whether you should do a Roth conversion, but when. In this episode of Joe Knows Retirement, Joe walks through 13 Roth conversion windows that could help you reduce taxes, lower future required minimum distributions and make smarter retirement decisions. From early retirement to Medicare, Social Security, the widow's penalty, charitable giving, and more, you'll learn the key opportunities that could make Roth conversions far more valuable.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's b...

If you have a pension and $1 million or more saved, your biggest retirement concerns probably aren't what most people think. After helping thousands of retirees, I've noticed the same five concerns come up over and over again. They aren't worried about running out of money. They're worried about making the right decisions with the money they've worked so hard to save.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www...

If you have a pension, your retirement may look very different than most people expect. Many retirees assume they'll spend down their investments throughout retirement. But if you have a pension, Social Security, and substantial savings, your portfolio may actually continue growing for decades. In this video, Joe explains why this happens, how compound growth can continue in retirement, and the tax planning opportunities that come with this unique situation. You'll also learn why required minimum distributions, Roth conversions, and your investment strategy deserve a second look if you're fortunate enough to have a pension.

🎥 Subscribe to our...

If you have a pension, you're in a unique position that most retirees will never experience. In this video, Joe breaks down four powerful ways your pension can protect your retirement and why your planning strategy should be different from everyone else's. You'll learn how a pension can reduce the risk of running out of money, help protect you from market downturns, provide options to protect your spouse, and allow your investments to grow for your future and your family's legacy.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe...

Retirement changes more than just your paycheck. There are things that quietly disappear once your career ends, and many retirees never see them coming. In today's episode of Joe Knows Retirement, Joe covers five things that often disappear after retirement. If you have a pension and $1 million or more saved, some of these may affect you differently than the average retiree. We'll also discuss why planning ahead can help you enjoy retirement with more confidence and fewer regrets.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":<...

If you have a pension and $1 million or more saved, your retirement is completely different from the average retiree. Most retirement advice is designed for people who need more income. But if your pension already covers your lifestyle, your biggest opportunities shift toward optimizing taxes, growing your wealth wisely, protecting your legacy, and making the most of the retirement you've worked so hard for. In this video, Joe walks through the biggest differences between the average retiree and those who have reached financial freedom, plus the five things our clients actually want once they no longer have to worry...

What separates wealthy retirees from everyone else? It is not chasing higher investment returns. It is having a proactive tax strategy. In this episode of Joe Knows Retirement, Joe explains why taxes often become the largest expense for retirees with pensions and significant retirement savings. Learn how required minimum distributions, Roth conversions, estate planning, charitable giving, and tax diversification can dramatically impact your retirement.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "I Hate Taxes": 
https://keap.page/bsd964/toolkit-podcast.html

🟥 Read our latest arti...

If you have a pension, your retirement planning is different than most people. Less than 20% of Americans have a pension, and if you've also built significant retirement savings, the decisions you make today can have a major impact on your future. In this video, Joe covers the 7 most important retirement numbers every pension owner needs to know, including how your pension, Social Security, investments, spending, retirement date, and age all work together to create a successful retirement plan.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":<...

Retirement isn't just about having enough money. It's about making the right decisions with everything you've spent decades building. In this episode, Joe walks through a simple five-point retirement planning checklist that every couple should review before retiring. From tax planning and investments to income, healthcare, and estate planning, each of these areas plays a critical role in helping you protect your retirement and avoid costly mistakes down the road. If you have a pension and significant retirement savings, your planning needs are often much different than the average retiree. That's why having a comprehensive strategy can make all...

Most retirees worry about running out of money. But for many hardworking savers with pensions and significant retirement savings, that is not the real risk. The bigger danger is spending decades saving, only to struggle with actually enjoying retirement. In this episode of Joe Knows Retirement, Joe explains why so many retirees run out of money emotionally, not financially. You'll learn how to transition from a lifetime of saving into a retirement filled with purpose, experiences, generosity, and confidence.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "M...

Every week, Joe hears from retirees who wish they had made different financial decisions before and during retirement. In this video, Joe breaks down the 7 biggest retirement mistakes he sees over and over again, so you can avoid them before they cost you. If you have a pension and $1 million or more saved, these mistakes can have an even bigger impact on your retirement. We'll cover tax diversification, cash management, retirement timing, spending habits, tax-efficient investing, choosing the right financial advisor, and much more.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE...

Most retirees share the same three fears. Running out of money, paying for healthcare, and watching the stock market crash at the worst possible time. But if you've built a strong retirement with a pension and significant savings, your situation may be very different than most people realize. In today's episode of Joe Knows Retirement, Joe explains the three biggest retirement risks facing nearly everyone and why retirees with a pension and $1 million or more saved may have opportunities that others simply do not. You'll also learn the planning mistakes to avoid, how inflation still impacts pension holders, why...

If you have both a pension and an IRA, your retirement planning is different than most people realize. While many retirees see their taxes decrease, those with pensions and large retirement accounts often face higher tax brackets, Required Minimum Distributions (RMDs), Medicare premium increases, and more taxable Social Security income. In this video, Joe explains the biggest tax challenges facing retirees with pensions and IRAs, why the 2% Club requires a different strategy, and how Roth conversions may help reduce future taxes.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe...

Have you been following retirement advice that could actually hurt your financial future? In today's episode of Joe Knows Retirement, Joe breaks down the 5 biggest retirement lies that many Americans believe, especially those with pensions and substantial retirement savings. From taxes and Social Security to healthcare and retirement income planning, these misconceptions could cost you thousands throughout retirement.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retire...

Retirement is one of the biggest decisions you'll ever make. Before you hand in your retirement notice, make sure you've answered these 5 critical questions that could determine whether your retirement is a success or a regret. In this episode, Joe breaks down the exact retirement planning questions we walk through with clients before they retire. From creating a reliable income plan to reducing taxes, avoiding pension mistakes, protecting your legacy, and preparing for healthcare costs, these are the conversations every retiree should have.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE co...

If you have a pension and $1 million or more saved, you could be heading toward one of the biggest retirement tax traps most retirees never see coming. In this episode of Joe Knows Retirement, Joe breaks down the hidden dangers of tax bracket creep and why retirees with pensions often end up paying far more in taxes than expected.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "I Hate Taxes": 
https://keap.page/bsd964/toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www...

If you have a pension and $1 million or more saved, this video is a must-watch. Too many retirees make costly pension mistakes that quietly drain six figures from their retirement over time. In today's episode of Joe Knows Retirement, Joe breaks down the biggest pension planning mistakes we see retirees make and how proper strategies can dramatically impact your retirement future.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www...

If you have a pension and $1 million or more saved, there's a major Roth conversion window you need to understand before it closes. In this video, Joe breaks down the biggest opportunities retirees have right now to reduce future taxes, lower Medicare costs, avoid the widow's penalty, and create more tax-free income in retirement.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "I Hate Taxes": 
https://keap.page/bsd964/toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/roth-convers...

If you have a pension and $1 million or more saved, retirement planning is completely different. In this episode of Joe Knows Retirement, Joe breaks down the biggest pension mistakes retirees make and how to avoid paying unnecessary taxes, Medicare penalties, and retirement income mistakes. If you've worked 30 to 40 years for your pension, this video will help you protect it and maximize it for your retirement, your spouse, and your family.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥...

Only 2% of Americans have both pensions and $1 million or more saved for retirement. If that is you, welcome to the 2% Club! This book was written for you. It's dedicated to all the American heroes who've lived a life of service, and the blue-collar professionals who've worked hard and saved diligently for decades. In this book, you'll learn how to:

- Simplify and optimize your retirement with the "5 Pillars of Pension Planning"
- Enjoy the full value of your pension (it may be more valuable than you think)
- Decrease your tax bill through strategic Roth...

Everyone despises taxes for a reason: they drain your income and limit your financial freedom. Discover the solution in I Hate Taxes and keep more cash in your pocket. You should pay your fair share in taxes—but not a penny more. It's time to end excessive tax payments and say hello to financial freedom. Within this book, you'll learn:

- Proven tax-saving strategies that put money back in your hands.
- How to legally navigate the tax code to your advantage.
- The tax-planning secrets financial planners won't share.
- The power of pa...

In a world obsessed with flashy lifestyles, Midwestern Millionaires embody a different kind of financial success: one built on making smart choices over their working years. Now, they require more advanced and specific planning because of the wealth they have created. This book reveals their traits and why Peak Retirement Planning, Inc. was founded to help serve them. Inside, you'll learn how to:

- Protect your hard-earned savings from unnecessary taxes
- Understand the advanced planning strategies required for those with $1,000,000 or more saved
- Safeguard your wealth for future generations through smart estate planning<...

Saving for retirement is like climbing a mountain. It takes a long time and one wrong move can be disastrous. But building a nest egg and getting to the top of the mountain is only half the battle. The journey back down the mountain is even more dangerous—and it's where most losses occur. In this book, Joe F. Schmitz Jr. shares a simple way to protect what you've worked so hard to create and to ensure your money makes it through the treacherous terrain called retirement. After reading this book, you'll appreciate and understand:

- How Ta...

If you are in or near retirement, these are the 7 biggest decisions you NEED to get right. We see these decisions impact retirees every single day, especially those with pensions and $1M+ saved.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/reasons-roth-conversions-and-pensions-work-well-together

📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

Most retirees think a pension guarantees financial security forever… but what if inflation quietly cuts the value of your pension in half over retirement? In today's episode of Joe Knows Retirement, Joe breaks down one of the biggest hidden risks facing retirees with pensions: inflation risk. Even if you have a generous pension and over $1 million saved, failing to plan properly could force you to rely far more heavily on your investments later in retirement.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page...

If you have a pension and $1M+ saved, your retirement planning is completely different… and one wrong move could cost you six figures. In this video, Joe breaks down the 7 critical strategies every pension holder needs to understand to avoid overpaying taxes, maximize income, and protect their spouse and legacy. Most retirees don't realize that having a pension can actually push them into higher taxes, higher Medicare costs, and forced withdrawals later on. But with the right plan, you can turn this into a massive advantage.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get...

If you're retiring with a pension and $1M+ saved, retirement isn't all sunshine and rainbows. In today's video, Joe breaks down the 5 worst things about retirement that we see from real clients every day. These are the hidden risks that can quietly cost you thousands in taxes, healthcare, and missed opportunities if you don't plan ahead.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/if-not-long...

If you have a pension and over $1M saved, your retirement taxes could be MUCH higher than you expect. Most people are told they will be in a lower tax bracket in retirement, but for high earners and diligent savers, that is often completely wrong. In this video, Joe breaks down the biggest retirement tax traps and what you can do NOW to avoid overpaying the IRS later.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "I Hate Taxes": 
https://keap.page/bsd964/toolkit-podcast.html

🟥...

If you're 60 years old with $1 million saved and a pension, are you actually ready to retire? In this video, Joe breaks down a real scenario and shows you exactly how retirement could work in your favor or completely fall apart depending on ONE key factor. Most people think $1M is enough, but they miss the bigger picture.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/taxes/tax-p...

If you have a pension and $1M+ saved, a Roth conversion could be one of the biggest financial decisions of your retirement, but most people do it WRONG. In this video, Joe breaks down the 7 critical questions you MUST ask before doing a Roth conversion so you don't overpay in taxes or miss massive opportunities. Most retirees assume they'll be in a lower tax bracket, but for Midwestern Millionaires with pensions, that's rarely the case. Between Social Security, RMDs, and pensions, your taxes could actually go UP in retirement.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv...

If you're nearing retirement or already there, these are the 10 biggest questions you NEED to answer before it's too late. In this episode, Joe breaks down the exact concerns we hear from thousands of retirees, especially those with a pension and $1M+ saved. From when to retire, to how much you can safely spend, to tax strategies that could save you thousands, this is the roadmap most people wish they had sooner.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percen...

Are you the best saver but the worst spender in retirement? If you've built up $1M+ and have a pension, you might be what we call a "Midwestern Millionaire," those who are hardworking, frugal, and struggle to enjoy their money. In this video, Joe breaks down the real reason retirees hesitate to spend and how to fix it before it's too late.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "Midwestern Millionaire":
https://keap.page/bsd964/midwestern-millionaire-toolkit-podcast.html 

🟥 Read our latest article featured in Kiplinge...

Are you stuck in "pension jail"… or sitting on a million-dollar opportunity? In today's video, Joe breaks down a real-life case study of someone facing one of the hardest retirement decisions out there: Walk away now and enjoy life, or stay for a massive pension boost.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/retirement-planning/are-you-being-tax-smart-about-your-pension

📞 Schedule a call with our team: https://peakreti...

If you're nearing retirement or already there, these are the 10 biggest questions you NEED to answer before it's too late. In this episode, Joe breaks down the exact concerns we hear from thousands of retirees, especially those with a pension and $1M+ saved. From when to retire, to how much you can safely spend, to tax strategies that could save you thousands, this is the roadmap most people wish they had sooner.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "I Hate Taxes": 
https://keap.page/bsd...

Most retirees think they're doing everything right… until it's too late. After working with thousands of people in their 60s with pensions and $1M+ saved, we consistently hear the SAME 5 regrets over and over again. In this video, Joe breaks down the biggest retirement mistakes wealthy retirees wish they could undo and how YOU can avoid them while there's still time.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www...

When should you take Social Security if you have a pension and solid savings? The answer is not as simple as you think. In this video, Joe breaks down the 3 biggest factors that determine the best time to take Social Security so you don't leave thousands on the table. If you're a diligent saver with a pension, your strategy is completely different than most retirees.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "2% Club":
https://keap.page/bsd964/2-percent-toolkit-podcast.html

🟥 Read our latest article fe...

Everyone wants to save $1 million in taxes… but what if that's not the full story? In today's episode, Joe breaks down one of the biggest myths in retirement planning and shows you what Roth conversions really do for your wealth.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "I Hate Taxes": 
https://keap.page/bsd964/toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/reasons-roth-conversions-and-pensions-work-well-together

📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

If you've worked 30 to 40 years, built a pension, and saved $1M+, you're in a rare position, but also a risky one if you choose the wrong advisor. In this video, Joe breaks down the most important questions you MUST ask before trusting a financial advisor. These are the exact questions high-net-worth retirees and Midwestern Millionaires use to avoid costly mistakes.

🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv

📚Get a FREE copy of Joe's book "Peak Retirement Planning": 
https://keap.page/bsd964/5-pillars-toolkit-podcast.html

🟥 Read our latest article featured in Kiplinger: ...