Joe Knows Retirement
by Joe Schmitz Jr., CFP® ChFC® CKA®
Latest episode
Retiring With a Pension? 7 Decisions You MUST Consider Before 2027
Retiring With a Pension? 7 Decisions You MUST Consider Before 2027
About this podcast
Welcome to the Joe Knows Retirement Podcast! Where Joe will take you through strategies to make the most of your retirement.
Episodes
The newest 50 of 335 episodes
- Retiring With a Pension? 7 Decisions You MUST Consider Before 2027 · 19 min · Season 1 Episode 335If you're retiring with a pension, there are seven important decisions you should consider before 2026 ends. From tax planning opportunities to making the most of your retirement…
- A $70K Pension and $1.5 Million Saved: The RMD Tax Problem Nobody Talks About · 20 min · Season 1 Episode 334If you have a pension and $1 million or more saved for retirement, required minimum distributions (RMDs) could create a much bigger tax problem than you expect. In this…
- Only 28% of Americans Have a Roth IRA. Are You Missing Out? · 18 min · Season 1 Episode 333Only 28% of Americans have a Roth IRA, yet many people would prefer to have their retirement savings in tax-free accounts. So why aren't more people taking advantage of Roth…
- Inherited $200,000? Do THIS Before You Make a Costly Tax Mistake! · 17 min · Season 1 Episode 332Receiving an inheritance can be a financial blessing, but what you do with that money could have a lasting impact on your retirement. Whether you inherit cash, investments, or an…
- Are You Investing in the WRONG Retirement Accounts? (Tax Location Explained) · 20 min · Season 1 Episode 331Most retirees focus on asset allocation, but what about tax location? Where you hold your investments could be just as important as what you invest in, especially if you have a…
- 55 to 59 With a Pension? Do These 3 Things Before You Retire · 20 min · Season 1 Episode 330If you're 55 to 59 with a pension and $1 million or more saved, you may be closer to retirement than you think. But turning decades of hard work into a retirement you feel…
- Why I Love And Hate Pensions · 14 min · Season 1 Episode 329Having a pension and $1 million or more saved can put you in a great position for retirement. But that dependable income also comes with planning challenges you may not see…
- How to Do a Roth Conversion If You Have a Pension · 16 min · Season 1 Episode 328Thinking about a Roth conversion? Moving the money is only part of the process. Choosing how much to convert, paying the taxes, and understanding the impact on your retirement…
- 7 Decisions That CHANGE If You Have a Pension & $1 Million · 18 min · Season 1 Episode 327If you have a pension and $1 million or more saved for retirement, your retirement decisions may look very different from everyone else's. In this episode of Joe Knows…
- Why Doing Nothing Is The Biggest Tax Mistake · 19 min · Season 1 Episode 326If you have a pension and $1 million or more saved for retirement, doing nothing with your tax plan could become one of your most expensive mistakes. In this episode of Joe Knows…
- Do These 8 Things BEFORE You Roth Convert · 15 min · Season 1 Episode 325Roth conversions can be one of the most powerful tax planning opportunities in retirement, especially if you have a pension and $1 million or more saved. But converting too…
- 3 Ways to Lower Your RMDs Before It's Too Late · 17 min · Season 1 Episode 324If you have a pension and $1 million or more saved for retirement, Required Minimum Distributions could create a much bigger tax problem than you expect. Your pension, Social…
- 10 Retirement Decisions You May Regret Making Too Early · 19 min · Season 1 Episode 323If you have a pension and $1 million or more saved for retirement, you've probably done a lot of things right. But a few decisions made at the wrong time could have a major…
- If You Have $3 Million Saved, Pay Attention to This · 26 min · Season 1 Episode 322If you have $3 million or more saved for retirement, there are planning opportunities you may want to start thinking about differently. In this episode of Joe Knows Retirement…
- Why Tax Planning Is The Center Of Retirement Planning · 18 min · Season 1 Episode 321Many diligent savers enter retirement with most of their money sitting in tax-deferred accounts, but without a strategy for how those dollars will eventually be taxed. Add a…
- 5 Ways to Protect Your Investments in Retirement with a Pension · 23 min · Season 1 Episode 320If you have a pension and $1 million or more saved for retirement, you may not need to protect your investments the same way as the average retiree. Your pension already provides…
- Retiring With a Pension & $2 Million: A Real Retirement Case Study · 20 min · Season 1 Episode 319If you're retiring with a pension and around $2 million or more saved, you're in a great position. But having enough money doesn't mean your retirement plan is finished. In this…
- Have $100K+ Sitting in the Bank? Do THIS Instead · 20 min · Season 1 Episode 318If you have $100,000 or more sitting in the bank, is that really the best place for it? For diligent savers, especially retirees with a pension and $1 million or more saved…
- Single With A Pension? Don't Let Taxes Ruin Your Retirement · 18 min · Season 1 Episode 317If you're single and retiring with a pension, your retirement plan may look very different from the typical retiree. From higher tax brackets and Medicare premiums to Roth…
- If Roth Conversions Only Save You 2%... Are They Really Worth It? · 19 min · Season 1 Episode 316Many retirees hesitate to do Roth conversions because they believe the savings are only a couple of percentage points. But is that really the full story? In this episode of Joe…
- Should the 2% Club Own Real Estate? · 14 min · Season 1 Episode 315Should you own real estate if you have a pension and $1 million or more saved? Many retirees assume real estate is the obvious next investment, but the answer is more complicated…
- Do THIS Instead of a Roth Conversion · 16 min · Season 1 Episode 314Roth conversions can be one of the best tax planning strategies in retirement, especially if you have a pension and $1 million or more saved. But what if the bigger opportunity…
- 8 Tax Strategies Your CPA Won't Tell You - Part 2 · 19 min · Season 1 Episode 313If you have a pension and $1 million or more saved for retirement, simply filing your taxes may not be enough. The bigger opportunity could be proactive tax planning. In this…
- I'm 60 With $2 Million and a Pension... Should I Do Roth Conversions? · 18 min · Season 1 Episode 312You'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…
- Retiring With a Pension? Watch This · 20 min · Season 1 Episode 311If 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…
- 13 Roth Conversion Windows You CAN'T Afford To Miss · 19 min · Season 1 Episode 310If 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…
- The 5 Biggest Retirement Concerns I Hear · 18 min · Season 1 Episode 309If 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…
- Why Your Retirement Savings Could KEEP Growing After You Retire · 16 min · Season 1 Episode 308If 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…
- 4 Ways Your Pension Protects You in Retirement · 16 min · Season 1 Episode 307If 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…
- 5 Things That Disappear After You Retire · 14 min · Season 1 Episode 306Retirement 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…
- You're Not the Average Retiree... Here's Why · 16 min · Season 1 Episode 305If 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…
- The #1 Thing Wealthy Retirees Do Differently · 17 min · Season 1 Episode 304What 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…
- 7 Retirement Numbers You MUST Know If You Have a Pension · 16 min · Season 1 Episode 303If 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…
- Don't Retire Until You've Checked These 5 Things · 14 min · Season 1 Episode 302Retirement 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…
- The Biggest Retirement Mistake Isn't Running Out of Money... It's This · 17 min · Season 1 Episode 301Most 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…
- 7 Retirement Mistakes I See Every Week (Don't Make These) · 18 min · Season 1 Episode 300Every 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…
- 98% of Retirees Should Be Worried About These 3 Risks · 17 min · Season 1 Episode 299Most 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…
- The Truth About Having Both a Pension and an IRA · 17 min · Season 1 Episode 298If 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…
- The Biggest Retirement Lies That Could Cost You Thousands · 17 min · Season 1 Episode 297Have 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…
- Don't Retire Until You Answer These 5 Questions First · 18 min · Season 1 Episode 296Retirement 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…
- Watch Out For Tax Bracket Creep If You Have a Pension · 16 min · Season 1 Episode 295If 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…
- Pension Mistakes That Could Cost You Six Figures in Retirement · 15 min · Season 1 Episode 294If 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…
- Roth Conversion Windows For Those With Pensions · 17 min · Season 1 Episode 293If 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…
- 10 Pension Mistakes Near Retirement · 20 min · Season 1 Episode 292If 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…
- The 2% Club (Full Audiobook) · 2 h 0 min · Season 1 Episode 291Only 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…
- I Hate Taxes (Full Audiobook) · 2 h 30 min · Season 1 Episode 290Everyone 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…
- Midwestern Millionaire (Full Audiobook) · 2 h 0 min · Season 1 Episode 289In 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…
- Peak Retirement (Full Audiobook) · 1 h 8 min · Season 1 Episode 288Saving 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…
- 7 Biggest Decisions in Retirement · 18 min · Season 1 Episode 287If 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…
- Your Pension Might ONLY Be Worth HALF in Retirement · 15 min · Season 1 Episode 286Most 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…
