Joe Knows Retirement

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 tra...

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 diversifi...

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...

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...

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 t...

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 t...

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...

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...

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...

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 yo...

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...

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 han...

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:...

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 en...

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 Kiplin...

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...

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 t...

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...

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 c...

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 co...

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 Millionaire...

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...

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/430T9...

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...

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...