Joe Knows Retirement

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/