Joe Knows Retirement

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 IRMAA, estate planning, and legacy strategies. 🎥 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/retiring-with-a-pension-what-to-know 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

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-toolkit-podcast.html 🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/what-federal-employees-should-know-for-retirement 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

You've done everything right: you have a pension, $1M+ saved, and no real fear of running out of money. So why do so many smart, financially savvy retirees still choose to work with a professional retirement planning team? In this episode of Joe Knows Retirement, Joe breaks down the 4 key reasons successful DIY retirees eventually decide to get help, not because they have to, but because they want to optimize, protect their spouse, and stop leaving money on the table. 🎥 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/are-you-a-diy-retirement-planner-what-you-need-to-know 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

If you're earning $80,000 a year but could retire today with a $50,000 pension, are you actually working for just $30,000? In this episode of Joe Knows Retirement, Joe breaks down a mistake we see all the time with people who have generous pensions. Many continue working out of habit without realizing they may already be financially free. 🎥 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/pension-tax-planning-should-start-now 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

Are you a hard-working, frugal Midwestern Millionaire who saved diligently, lived below your means, and now… can't get yourself to actually spend in retirement? You're not alone. In today's episode, Joe breaks down why retirees with pensions and $1M+ saved often struggle to enjoy the retirement they worked decades for and how proper planning can finally give you permission to spend, gift, and live more freely. 🎥 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/happy-retirement/spend-your-retirement-nest-egg-and-drop-the-guilt 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

Most people hear "Roth conversions save taxes"… but that's NOT always true. In today's episode, Joe breaks down 6 situations where a Roth conversion can actually hurt you, especially if you are in or near retirement. Whether you have a pension, you're a Midwestern Millionaire, or you're part of that 2% of retirees with over $1M saved, tax planning is critical. The Roth rules are not one-size-fits-all and making the wrong move could cost you tens or even hundreds of thousands of dollars over your lifetime. 🎥 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/

He worked 40 years, saved $2M, has a $40K pension, and claimed Social Security at 62, but the real surprise came after we ran his analysis. 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/can-you-retire-at-60-with-1-million-dollars-saved 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

Most retirees in the Midwestern Millionaire category are great savers and terrible spenders, even when they have $1M+ and a pension. Today, Joe breaks down the Paychecks vs. Playchecks tool we use at Peak Retirement Planning to show clients how much they can actually spend, gift, and give without fear of running out. You'll see how one couple with $3M saved realized they could spend far more than they ever imagined and still leave a legacy with purpose. 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/retirement-strategies-for-midwestern-millionaires 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

Are you one of the few people with a pension? Then you're in the Top 20% and your planning needs are completely different. In this video, Joe breaks down 3 must-know moves every pension holder should make so you don't leave six or seven figures on the table. 🎥 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://peakretirementplanning.com/schedule-a-meeting/

Thinking about a Roth conversion? If you have a pension and $1M+ saved, this is REQUIRED viewing. Joe breaks down 21 must-know rules to avoid massive tax mistakes, lower your future RMDs, and protect your spouse from the widow's penalty. 🎥 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/

Most advisors don't understand retirees with a pension + $1M+ saved… and today, Joe exposes why so many of them hate Roth conversions and why that advice can cost the 2% Club thousands in taxes. 🎥 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/

If you have a pension and $1M+ saved, 2025 may be one of the last years to take advantage of historically low tax rates. In today's episode, Joe breaks down 10 tax-saving moves you should consider before December 31st, including Roth strategies, capital gains opportunities, RMD planning, and end-of-year deductions. You've worked hard to become a Midwestern Millionaire, now make sure Uncle Sam doesn't take more than he should. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/year-end-retirement-tax-planning-actions-if-you-have-one-million-dollars-or-more 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

In this special episode of Radio with Mindy, Joe sits down with the woman who inspired his entire career, longtime financial planner and mentor Kathy Gilliland. Together, they share the story of how Joe found his calling, the traits that set him apart early on, and the timeless values that shape successful client relationships. From industry challenges to personal sacrifices, this heartfelt conversation highlights mentorship, trust, and the evolving world of retirement planning. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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-planning/what-being-in-the-2-percent-club-means-for-your-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Are you still holding onto the old-school 60/40 portfolio strategy? For retirees with a pension and $1M+ saved, this traditional mix of stocks and bonds might be outdated and even costing you hundreds of thousands in growth. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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-planning/what-being-in-the-2-percent-club-means-for-your-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Are you in your 50s or 60s and have a pension? You're in the top 2%, but that also means your retirement planning needs to be different. In this episode of Joe Knows Retirement, Joe breaks down the critical steps you must take right now to protect your pension income, lower your lifetime tax bill, and ensure your spouse and kids are secure. This isn't just about numbers, it's about building a Midwestern Millionaire retirement with purpose, balance, and smart planning. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/reasons-roth-conversions-and-pensions-work-well-together 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

You've done it. You're officially part of a group only 2% of retirees are in. You've got over $1 million saved and a pension. But here's the truth: that also means your retirement planning needs to look very different than most. In this episode of Joe Knows Retirement, Joe breaks down the 3 biggest mistakes we see from those in this 2% Club and how to fix them. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/retirement-planning/are-you-being-tax-smart-about-your-pension 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Are you part of the 2% Club? This video unveils insights from Joe's upcoming book The 2% Club. Discover what makes this small group of retirees, those with both a pension and $1 million+ saved, so unique, and how you can plan like them. Joe breaks down the five pillars of pension planning, from taxes and investments to income, healthcare, and estate strategies, all tailored for those ready to retire confidently and with purpose. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

In this episode of Joe Knows Retirement, Joe breaks down one of the most dangerous myths in retirement planning: the idea that you should defer taxes into retirement because you'll be in a lower tax bracket later. That might sound smart… but for those with a pension and $1 million+ saved, deferring taxes could actually mean paying more taxes in retirement than you do today. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/retirement-planning/are-you-being-tax-smart-about-your-pension 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

You've probably heard that when you retire, you'll pay less in taxes. But if you have a pension, that might not be true at all. In fact, many retirees with pensions end up paying more in taxes than they did while working, and most don't even realize why until it's too late. In this episode of Joe Knows Retirement, Joe breaks down how your pension, Social Security, and required minimum distributions (RMDs) can stack up to push you into higher tax brackets. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/opportunities-for-wealthy-people-retiring-with-a-pension 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Most retirees, and even some advisors, completely misunderstand Roth conversions. They talk about "breaking even," but that concept doesn't even exist. In today's episode of Joe Knows Retirement, Joe breaks down the math and the truth behind Roth conversions and why it's never about a "break-even." It's about tax rates, timing, and control over your money. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/why-you-should-not-put-all-your-money-into-roth-iras 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

If you're single with a pension and $1 million or more saved, your retirement could look very different than you expect. Whether you're single now or planning for the possibility in the future, this episode is packed with strategies to help you avoid the Widow's Penalty, protect your retirement income, and make sure your money goes where you want it to.If you're single with a pension and $1 million or more saved, your retirement could look very different than you expect. Whether you're single now or planning for the possibility in the future, this episode is packed with strategies to help you avoid the Widow's Penalty, protect your retirement income, and make sure your money goes where you want it to. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/taxes/tax-planning/tax-saving-opportunities-in-the-one-big-beautiful-bill-obbb 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

They started retirement with $1 million and ended with $5 million without chasing risky investments. In this episode of Joe Knows Retirement, Joe breaks down how real Midwestern Millionaires quietly multiply their wealth in retirement. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/if-you-are-a-millionaire-you-may-be-a-terrible-spender 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

If you've worked hard, saved diligently, and earned a pension, congratulations, you're part of the 2% Club! But with that comes a new challenge: avoiding the costly mistakes that could destroy your retirement plan. In this episode of Joe Knows Retirement, Joe breaks down the 7 biggest pension mistakes that could cost retirees tens or even hundreds of thousands of dollars and how to avoid them. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Can you live completely tax-free in retirement, even if you have a pension? In this episode of Joe Knows Retirement, Joe breaks down exactly how your pension, Social Security, and the new bonus deductions can impact your taxes and shows how some retirees are "divorcing the IRS" for good. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

If you have a pension and $1M+ saved, chances are you've thought about a Roth conversion, but most people make critical mistakes that can cost them hundreds of thousands in unnecessary taxes. In this video, Joe breaks down the 5 biggest Roth conversion mistakes we see from high-net-worth retirees, especially those in what we call the 2% Club: hardworking, diligent savers who deserve to keep what they've earned. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

They started retirement with $1 million and ended with $5 million without chasing risky investments. In this episode of Joe Knows Retirement, Joe breaks down how real Midwestern Millionaires quietly multiply their wealth in retirement. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

If you've worked hard, saved diligently, and now have a pension, the 4% Rule might be holding you back. In this episode, Joe reveals how retirees with guaranteed income can spend more, stress less, and still never run out of money. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

One of the biggest fears in retirement is, "Will my spouse be okay if something happens to me?" This video breaks down 5 must-know retirement strategies to make sure your spouse is financially secure no matter what happens. From choosing the right advisor team to minimizing the widow's penalty, these steps can save your family hundreds of thousands of dollars and years of stress. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Are you thinking about doing a Roth conversion but wondering "How much should I convert?" or "Should I stop at the 12% bracket?" If you've got a pension, $1M+ saved, and Midwestern values when it comes to saving and spending, this episode is for you. In today's episode of Joe Knows Retirement, Joe breaks down one of the biggest misconceptions in retirement tax planning the idea that staying in the 12% tax bracket is always best. Spoiler: it's not. For the 2% of Americans who've worked hard, saved diligently, and now face complex retirement income streams, 12% might not even scratch the surface. This video explains why your pension, Social Security, and required minimum distributions (RMDs) often collide to push you into a higher bracket and how you can use strategic Roth conversions to take control before that happens. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Are you truly ready for retirement or just hoping you are? In this video, Joe walks through 10 critical checklist items that every pension holder needs to review before taking the leap into retirement. Whether you're a teacher, public employee, or corporate retiree, this guide will help you understand how to protect your income, minimize taxes, and create a fulfilling retirement plan tailored to your goals. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Many people assume they have to work until 65 just to afford health insurance or avoid running out of money. But if you've got a pension and at least $1 million saved, you may be in a much better spot than you think. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

If you have a pension and $1 Million+ saved, you're in the 2% of retirees facing the toughest tax problems in retirement. Most advisors never talk about this… but if you don't plan right, you could lose hundreds of thousands to Uncle Sam. Don't assume what works for the average retiree will work for you. If you're in this small group, your plan needs to be different. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Deciding between a lump sum pension or monthly payments is one of the biggest financial choices you'll ever make and once you decide, there's no going back. In this video, you'll discover the 5 critical questions you must ask before choosing. We'll also walk through a real-life example comparing a $2.4 million lump sum vs a $201,000 annual pension so you can see exactly how the math plays out. Whether you're evaluating a pension payout, thinking about tax planning, or wanting to leave a legacy, this video will help you make a smarter, more confident decision Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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-youtube.html 🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Thinking about doing Roth conversions on your own, especially with a pension? It can be tricky without software, but knowing what to watch for makes all the difference. In this video, we break down the 7 most essential things DIYers need to consider before tackling Roth conversions. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

We've worked with hundreds of successful retirees, many with pensions and over a million saved, and one thing always surprises people: their biggest regrets aren't about money. Even after years of working hard, saving diligently, and building financial freedom, the things they look back on most often are about missed time, lost opportunities, and relationships that could have been stronger. Retirement planning is about creating the life you want to live once you finally have the freedom to do so. By learning from the regrets of those who have already walked this path, you can make more intentional choices now and ensure you don't look back wishing you had done things differently. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Most people see their pension as income to cover expenses, but with the right strategy, it can also create a lasting legacy. In this episode, we break down how to turn pension dollars into multi-generational wealth. You'll hear about lump sums vs. monthly payments, what to do without survivor benefits, how to gift wisely during your lifetime, strategies for passing wealth after death, and the role of charitable giving. We'll also share why a simple family meeting may be the most powerful legacy tool of all. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

If you're over 60, your retirement planning enters one of the most overlooked yet powerful stages: the window between retirement and Required Minimum Distributions (RMDs). During this time, Roth conversions can dramatically reduce your lifetime tax bill, protect your spouse, and leave more for your kids. Roth conversions after 60 can make the difference between a tax-heavy retirement and one filled with control, flexibility, and peace of mind. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Confused about the Roth IRA 5-year rule? You're not alone. The Roth IRA 5-year rule is one of the most confusing parts of retirement planning, but it's often not as scary as people think. In this video, you'll learn what the rule really means, how it applies to contributions, conversions, and earnings, and why many retirees don't need to worry about it at all. We'll clear up common myths, explain when the rule actually matters, and show how Roth IRAs can be used for tax-free growth, long-term planning, and leaving money to future generations. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Are you truly prepared for retirement? This video breaks down the five essential pillars of pension planning that every retiree, or soon-to-be retiree, must have in place. These pillars form the foundation of a retirement plan that protects your income, reduces your taxes, and safeguards your legacy. The five pillars aren't just numbers on a checklist, they're the key to enjoying financial freedom, peace of mind, and a secure retirement. Start planning smarter today and ensure your retirement is built on a solid foundation. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

If you have a pension and over $1 million saved for retirement, your Medicare costs may look very different from the average retiree. In this video, we walk through why age 63 is such a critical planning year, how Medicare premiums are calculated, and strategies to minimize both taxes and healthcare expenses throughout retirement. You'll learn about projected 2026 Medicare costs, the impact of required minimum distributions (RMDs), Roth conversion opportunities, and how to avoid costly mistakes that could push you into higher Medicare premium tiers. Stay tuned until the end for insights on IRMAA appeals, supplemental vs. advantage plans, and how to make Medicare planning work in your favor. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Are you a federal employee considering the Voluntary Early Retirement Authority (VERA)? Making the decision to retire early is a big step, and it comes with unique challenges and opportunities under the FERS system. In this video, we break down the 6 key considerations you need to think through before moving forward with VERA. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Are you considering handling your retirement planning on your own? This video shares the 7 key things every DIY retirement planner needs to understand. From the time commitment to advanced tax planning and even AI tools, these insights will help you decide if you should keep going solo or bring in a team. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Most CPAs only look at your taxes one year at a time. But retirement requires a 30-year tax plan — and if you don't plan ahead, you could end up paying far more than necessary. In this video, we break down the difference between tax prep vs. tax planning, and uncover the strategies your CPA probably isn't talking about. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Thinking about handling your retirement plan on your own? Before you decide, take this quick 4-question DIY retirement quiz to see if you're really good to go or if you could be leaving money, time, and peace of mind on the table. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

You've saved $1M+ but what's next? In this video, we explore the emotional side of retirement: finding purpose, knowing how to give, gift, and spend with meaning, and planning for your spouse, kids, and grandkids. Retirement isn't just about money, it's about living with freedom, joy, and peace of mind. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Tax-loss harvesting is a simple investment strategy that can help you save money and offset costs over time. In this episode of Joe Knows Retirement, Joe explains what tax-loss harvesting is, shares why it can be useful, and lists the types of retirees it might make most sense for, like those with a lot in non-retirement accounts and those with a pension and $1 million or more saved. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Many retirees choose to DIY their retirement, but they may not know what they're getting themselves into. In this episode of Joe Knows Retirement, Joe shares 10 things all retirees should know about if they want to DIY their retirement, especially if they have a pension and $1 million+ saved. From proper tax and investment diversification to having the right estate planning documents in place, Joe talks about it in this video. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

Many retirees with a pension have the option to take a lump sum payout instead of the monthly payout, but which option is better? In this episode of Joe Knows Retirement, Joe does the math and shares his expert opinion on which option he typically advises clients to go with. He breaks down the pros and cons of each option, and shares retirement planning guidance you'll want to keep in mind regardless of which option you take. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

The One Big Beautiful Bill introduced a bonus deduction for those 65 and older that might change the way you do your tax planning. In this episode of Joe Knows Retirement, Joe breaks down the changes that have come with the new bonus deduction, and talks about how you can plan for these changes depending on your financial situation, especially if you have a pension and $1 million or more saved. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/

As one of the five pillars of retirement planning, income planning is an essential part of any retirement plan, yet many retirees---especially those with a pension and at least $1 million saved---make some very common mistakes when doing it that end up costing them. In this episode of Joe Knows Retirement, Joe shares six common income planning mistakes Midwestern Millionaires make and explains what they can do to better set themselves up for success in retirement. Are you interested in applying to receive expert help in planning for your financial future? If so, you can apply at https://peakretirementplanning.com/schedule-a-meeting/ 🎥 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 Kiplinger: https://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Apply to talk with us: https://peakretirementplanning.com/schedule-a-meeting/