Claim OwnershipJoe Knows Retirement
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Welcome to the Joe Knows Retirement Podcast! Where Joe will take you through strategies to make the most of your retirement.
244 Episodes
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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 taxable for pension holders, and how Roth conversions can reduce lifetime taxes for you and your spouse. This episode is based on Joe's book "I Hate Taxes" and is designed for diligent savers who want to pay their fair share and not a penny more. If you are planning retirement with a pension, this is a must watch. 🎥 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/pension-tax-planning-should-start-now 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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 they made. 🎥 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 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 confidence without running out of money. 🎥 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/retirement-income-plan-for-the-two-percent-club 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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. 🎥 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/
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 book "I Hate Taxes": https://keap.page/bsd964/toolkit-podcast.html 🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/should-you-move-your-401k-to-an-ira-at-age-59 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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-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 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 don't realize they're missing until it's too late. If you're part of the "2% club," those with a pension and $1M+ saved, this planning is different for you. 🎥 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/opportunities-for-wealthy-people-retiring-with-a-pension 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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 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/
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 for retirees with a pension and $1M+ saved, where higher income often means higher lifetime taxes if planning is done incorrectly. 🎥 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 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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 heavy lifting, this video is for you. 🎥 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/personal-finance/is-your-financial-adviser-doing-a-good-job-for-you 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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, purpose, and legacy. 🎥 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 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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 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/
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://www.kiplinger.com/retirement/will-you-pay-higher-taxes-in-retirement 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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.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/
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://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-taxes-on-your-social-security-benefits 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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 taxes higher in retirement. This is especially important for higher-income earners and those with pensions who want tax diversification, flexibility, and smarter income planning. 🎥 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/dont-do-this-when-converting-retirement-savings-to-a-roth-ira 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
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/
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