Joe Knows Retirement

If you have a pension and serious savings, this new tax law could be one of the biggest retirement opportunities you'll ever see. In this episode of Joe Knows Retirement, Joe breaks down three powerful strategies inside the One Big Beautiful Bill that can help retirees keep more of their hard-earned money and avoid massive tax mistakes. If you are in or near retirement and want to maximize your in...

If you have a pension, Social Security, and $1 million or more saved, you are in a rare group of retirees. You did everything right. But when all three income sources start working together, taxes, RMDs, Medicare premiums, and Social Security taxation can quietly explode if you do not plan correctly. In this episode, Joe breaks down the three-legged stool of retirement income and explains why high...

If you already have a pension, you may already own the best income annuity there is and you might not need another one. In this video, Joe breaks down why pensions act like built in income annuities, when buying an income annuity is usually unnecessary, and the one specific situation where it could actually make sense. If you have a pension and want to avoid overpaying for income you already have,...

Midwestern Millionaires do not look flashy, but they retire financially secure. In this episode of Joe Knows Retirement, Joe breaks down 60 real habits Midwestern Millionaires use to save more, waste less, and build lasting financial freedom. These are not extreme strategies. They are simple, practical decisions real retirees make every day that quietly compound over decades. Watch until the end a...

Most retirees guess when to do Roth conversions and that mistake can cost hundreds of thousands in unnecessary taxes. In this video, Joe explains why Roth conversions are not about if you should do them, but when and how fast you should act. This is especially important if you have a pension, over one million saved, or expect higher income later in retirement. Joe breaks down the current tax windo...

If you have a pension and a large 401k balance, you could be sitting on a massive tax problem in retirement without even realizing it. In this video, Joe breaks down why the traditional advice of deferring taxes can backfire for high savers and walks through seven practical strategies you can start using today to reduce taxes, control income, and protect your retirement. We cover why most people w...

Most people overthink retirement when what they really need are a few smart fixes they can implement right now. In this episode of Joe Knows Retirement, Joe breaks down 10 quick retirement fixes you can take action on immediately. These are real strategies our clients use to reduce taxes, improve income efficiency, and avoid costly retirement mistakes. If you have a pension, are a diligent saver,...

If you have a pension and $1 Million or more saved, taxes will likely be the biggest expense of your retirement. In this video, Joe breaks down 10 critical tax planning mistakes retirees with pensions often make and what to do instead. You will learn why today's tax environment is a rare opportunity, how required minimum distributions can become a tax bomb, why Social Security is often fully taxab...

You've done everything right. You saved. You invested. You built a pension. But many of the best DIY retirees we see eventually reach a point where working with an advisor simply makes more sense. In this video, Joe breaks down 4 real reasons highly disciplined DIY investors decide to partner with a retirement planning team and why many tell us six months later it was one of the best decisions the...

If you have a pension, your retirement income planning is completely different, and most people get it wrong. In this video, Joe breaks down 5 proven retirement income strategies specifically for people with a pension and significant savings. Whether you're part of the Midwestern Millionaire crowd or simply want to avoid unnecessary taxes and market risk, these strategies can help you spend with c...

If you have a pension and $1 million or more saved, you're in a great position, but that also means small mistakes can cost you hundreds of thousands of dollars in retirement. In this episode of Joe Knows Retirement, Joe breaks down the 4 biggest retirement mistakes people with pensions make, including the one mistake we see over and over again that creates massive tax problems later in life. 🎥 S...

If you're 59½ or older and still working, there's a powerful retirement strategy most people don't fully understand: the in-service withdrawal. In this video, Joe breaks down 5 key things you must understand before moving money from your 401(k) to an IRA while still working and still getting your company match. 🎥 Subscribe to our YouTube channel:  https://bit.ly/430T9Lv 📚Get a FREE copy of Joe's...

Most people should NOT do a Roth conversion, but if you have a pension and $1 million or more saved, the rules completely change. In this video, Joe breaks down exactly when a Roth conversion makes sense, when it doesn't, and why so many people get this decision wrong. 🎥 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 have a pension and retirement is getting close, this checklist could save you thousands, if not hundreds of thousands of dollars. In this video, Joe breaks down the 7 critical checklist items every pension holder needs to have in place before retiring. From investment structure and tax planning to pension decisions, healthcare, income planning, and estate documents, this is what most people...

Most retirees don't regret saving too little; they regret not enjoying retirement enough. In this video, Joe breaks down the most common retirement regrets he hears from real retirees. 🎥 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 articl...

If you have a pension, taxes may be the biggest expense of your retirement, and most people don't see it coming. In this episode, Joe breaks down the five biggest tax considerations pension retirees must plan for, including required minimum distributions, Social Security taxation, state taxes, widow's penalty, and when Roth conversions actually make sense. These strategies are especially critical...

Are you paying a financial advisor 1% and wondering if it's actually worth it? In this video, Joe breaks down 10 clear reasons you should NOT pay an advisor 1%. These are the most common red flags we see when people come to us after years of missed opportunities, poor communication, and incomplete planning. If your advisor only manages investments, avoids tax planning, or leaves you doing the heav...

The 2% Club is officially out! In this post-launch episode, Joe dives deep into why he wrote the book and how it helps those with pensions and $1M+ in savings navigate retirement like a pro. He explains the five pillars of pension planning: Tax, Investment, Income, Healthcare, and Estate Planning, and shares why being part of the 2% Club means you've earned the right to retire with confidence, pur...

Most people are told they'll be in a lower tax bracket in retirement, but if you have a pension, that's often not true. In this episode, Joe breaks down the 4 most important things you must understand if you have a pension and $1M+ saved. If you're part of the "2% Club," those with pensions and $1M+ saved, this episode is a must-watch before you make irreversible decisions. 🎥 Subscribe to our You...

If you're around 60 years old, have $3 million or more saved, and a pension, you're in an elite financial group, but you may also be facing a massive hidden tax problem in 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...

If you have a pension and $1M+ saved, your retirement taxes may be higher than when you were working, and most retirees never see it coming. In this episode of Joe Knows Retirement, Joe breaks down the hidden tax challenges pension holders face. 🎥 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.htm...

Most retirees assume they're in a "low tax bracket" until Social Security taxation, pensions, Medicare premiums, and RMDs collide. In this episode of Jo Knows Retirement, Joe breaks down exactly how pensions impact Social Security taxation, why the 12% tax bracket isn't really 12%, and how retirees unknowingly fall into the Social Security tax torpedo. 🎥 Subscribe to our YouTube channel:  https:/...

Most people are told they'll be in a lower tax bracket in retirement, but if you have a pension, that's often not true. In this video, Joe breaks down Traditional vs Roth retirement accounts (401k, 403b, 457, TSP, IRA) and explain how to maximize your retirement savings while minimizing taxes. You'll learn when Roth makes sense, when it doesn't, and how pensions, Social Security, and RMDs can push...

If you have a pension and you're approaching retirement, your planning is very different than most people and missing just one of these could cost you hundreds of thousands of dollars. In today's episode of Joe Knows Retirement, Joe walks through the 10 most important planning items every retiree with a pension needs to have in place, from Roth conversions and Social Security timing, to Medicare I...

Federal employees finally have a long-awaited opportunity inside the TSP starting in 2026: Roth Conversions. Here is what you need to know about Roth Conversions and how they work within your Thrift Savings Plan to ensure you maximize your FERS benefits. 🎥 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-toolki...