PODCAST · business
Joe Knows Retirement
by Joe Schmitz Jr., CFP® ChFC® CKA®
Welcome to the Joe Knows Retirement Podcast! Where Joe will take you through strategies to make the most of your retirement.
Episodes
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How to Do a Roth Conversion If You Have a Pension
Thinking 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 plan are where costly mistakes can happen. In this episode, Joe explains how Roth conversions work and your options for...
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7 Decisions That CHANGE If You Have a Pension & $1 Million
If 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 Retirement, Joe breaks down 7 major decisions that can change when you have a pension and significant retirement savings. You've...
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Why Doing Nothing Is The Biggest Tax Mistake
If 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 Retirement, Joe walks through why diligent savers with pensions can face a much larger tax burden than they expect,...
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Do These 8 Things BEFORE You Roth Convert
Roth 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 quickly could mean missing other opportunities or paying taxes you did not need to pay. In this video, Joe covers 8 things…
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3 Ways to Lower Your RMDs Before It's Too Late
If 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 Security, and future RMDs can stack on top of each other, potentially pushing your retirement income higher and impacting...
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10 Retirement Decisions You May Regret Making Too Early
If 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 impact on your taxes, investments, income, and even how much you enjoy retirement. In this episode of Joe Knows Retirement,...
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If You Have $3 Million Saved, Pay Attention to This
If 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, Joe walks through several advanced strategies that can become more important as your wealth continues to grow. 🎥...
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Why Tax Planning Is The Center Of Retirement Planning
Many 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 pension, Social Security, required minimum distributions, Medicare premiums, and future estate considerations, and the tax...
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5 Ways to Protect Your Investments in Retirement with a Pension
If 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 a level of dependable income, which can completely change how you think about your investment allocation. In this...
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Retiring With a Pension & $2 Million: A Real Retirement Case Study
If 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 case study, Joe breaks down a couple preparing to retire with a strong pension, substantial savings, and plenty of...
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Have $100K+ Sitting in the Bank? Do THIS Instead
If 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, holding extra cash can feel safe. But too much cash could mean missed growth opportunities and unnecessary taxes. In this...
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Single With A Pension? Don't Let Taxes Ruin Your Retirement
If 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 conversions, legacy planning, and your pension election, several important decisions could have a major impact on your...
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If Roth Conversions Only Save You 2%... Are They Really Worth It?
Many 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 Knows Retirement, Joe explains why focusing only on today's tax bracket can lead to costly mistakes later. If you have a...
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Should the 2% Club Own Real Estate?
Should 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 than most people realize. In this video, Joe breaks down the biggest tax advantages of real estate and explains why…
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Do THIS Instead of a Roth Conversion
Roth 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 isn't just saving taxes? In this episode of Joe Knows Retirement, Joe challenges Midwestern Millionaires to think beyond...
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8 Tax Strategies Your CPA Won't Tell You - Part 2
If 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 episode of Joe Knows Retirement, Joe covers 8 more retirement tax strategies your CPA or financial planner may not be...
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I'm 60 With $2 Million and a Pension... Should I Do Roth Conversions?
You'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: should you be doing Roth conversions? In this episode, Joe walks through a real-world case study showing why Roth...
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Retiring With a Pension? Watch This
If 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 more, you're in a unique financial position that requires more advanced planning. In this episode of Joe Knows…
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13 Roth Conversion Windows You CAN'T Afford To Miss
If 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 walks through 13 Roth conversion windows that could help you reduce taxes, lower future required minimum distributions and...
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The 5 Biggest Retirement Concerns I Hear
If 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 same five concerns come up over and over again. They aren't worried about running out of money. They're worried about...
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Why Your Retirement Savings Could KEEP Growing After You Retire
If 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 you have a pension, Social Security, and substantial savings, your portfolio may actually continue growing for decades.…
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4 Ways Your Pension Protects You in Retirement
If 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 retirement and why your planning strategy should be different from everyone else's. You'll learn how a pension can reduce…
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5 Things That Disappear After You Retire
Retirement 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 Knows Retirement, Joe covers five things that often disappear after retirement. If you have a pension and $1 million…
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You're Not the Average Retiree... Here's Why
If 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 income. But if your pension already covers your lifestyle, your biggest opportunities shift toward optimizing taxes,...
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The #1 Thing Wealthy Retirees Do Differently
What 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, Joe explains why taxes often become the largest expense for retirees with pensions and significant retirement savings....
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7 Retirement Numbers You MUST Know If You Have a Pension
If 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, the decisions you make today can have a major impact on your future. In this video, Joe covers the 7 most important...
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Don't Retire Until You've Checked These 5 Things
Retirement 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 five-point retirement planning checklist that every couple should review before retiring. From tax planning and...
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The Biggest Retirement Mistake Isn't Running Out of Money... It's This
Most 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 spending decades saving, only to struggle with actually enjoying retirement. In this episode of Joe Knows Retirement…
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7 Retirement Mistakes I See Every Week (Don't Make These)
Every 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 mistakes he sees over and over again, so you can avoid them before they cost you. If you have a pension and $1 million or...
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98% of Retirees Should Be Worried About These 3 Risks
Most 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 strong retirement with a pension and significant savings, your situation may be very different than most people realize. In...
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The Truth About Having Both a Pension and an IRA
If 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 retirement accounts often face higher tax brackets, Required Minimum Distributions (RMDs), Medicare premium increases,...
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The Biggest Retirement Lies That Could Cost You Thousands
Have 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 lies that many Americans believe, especially those with pensions and substantial retirement savings. From taxes and Social...
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Don't Retire Until You Answer These 5 Questions First
Retirement 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 whether your retirement is a success or a regret. In this episode, Joe breaks down the exact retirement planning...
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Watch Out For Tax Bracket Creep If You Have a Pension
If 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 Knows Retirement, Joe breaks down the hidden dangers of tax bracket creep and why retirees with pensions often end up…
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Pension Mistakes That Could Cost You Six Figures in Retirement
If 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 retirement over time. In today's episode of Joe Knows Retirement, Joe breaks down the biggest pension planning mistakes we see...
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Roth Conversion Windows For Those With Pensions
If 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 opportunities retirees have right now to reduce future taxes, lower Medicare costs, avoid the widow's penalty, and create...
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10 Pension Mistakes Near Retirement
If 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 mistakes retirees make and how to avoid paying unnecessary taxes, Medicare penalties, and retirement income mistakes. If...
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The 2% Club (Full Audiobook)
Only 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 the American heroes who've lived a life of service, and the blue-collar professionals who've worked hard and saved...
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I Hate Taxes (Full Audiobook)
Everyone 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 pay your fair share in taxes—but not a penny more. It's time to end excessive tax payments and say hello to financial...
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Midwestern Millionaire (Full Audiobook)
In 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, they require more advanced and specific planning because of the wealth they have created. This book reveals their…
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Peak Retirement (Full Audiobook)
Saving 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 only half the battle. The journey back down the mountain is even more dangerous—and it's where most losses occur. In this...
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7 Biggest Decisions in Retirement
If 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 and $1M+ saved. 🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv 📚Get a FREE copy of Joe's book "2% Club":...
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Your Pension Might ONLY Be Worth HALF in Retirement
Most 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 Joe Knows Retirement, Joe breaks down one of the biggest hidden risks facing retirees with pensions: inflation risk.…
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Most Pension Retirees Miss These Opportunities
If you have a pension and $1M+ saved, your retirement planning is completely different… and one wrong move could cost you six figures. In this video, Joe breaks down the 7 critical strategies every pension holder needs to understand to avoid overpaying taxes, maximize income, and protect their...
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The 5 WORST Things About Retirement
If you're retiring with a pension and $1M+ saved, retirement isn't all sunshine and rainbows. In today's video, Joe breaks down the 5 worst things about retirement that we see from real clients every day. These are the hidden risks that can quietly cost you thousands in taxes, healthcare, and...
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The Retirement Tax Trap NO One Warns High Net Worth Investors About
If you have a pension and over $1M saved, your retirement taxes could be MUCH higher than you expect. Most people are told they will be in a lower tax bracket in retirement, but for high earners and diligent savers, that is often completely wrong. In this video, Joe breaks down the biggest...
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I'm 60 With $1M + A Pension… Can I REALLY Retire?
If you're 60 years old with $1 million saved and a pension, are you actually ready to retire? In this video, Joe breaks down a real scenario and shows you exactly how retirement could work in your favor or completely fall apart depending on ONE key factor. Most people think $1M is enough, but…
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7 Questions to Ask Before Roth Converting
If you have a pension and $1M+ saved, a Roth conversion could be one of the biggest financial decisions of your retirement, but most people do it WRONG. In this video, Joe breaks down the 7 critical questions you MUST ask before doing a Roth conversion so you don't overpay in taxes or miss…
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10 Retirement Questions You MUST Answer Before It's Too Late
If you're nearing retirement or already there, these are the 10 biggest questions you NEED to answer before it's too late. In this episode, Joe breaks down the exact concerns we hear from thousands of retirees, especially those with a pension and $1M+ saved. From when to retire, to how much you…
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Are You Spending Enough Money in Retirement?
Are you the best saver but the worst spender in retirement? If you've built up $1M+ and have a pension, you might be what we call a "Midwestern Millionaire," those who are hardworking, frugal, and struggle to enjoy their money. In this video, Joe breaks down the real reason retirees hesitate to...
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Frequently Asked Questions
How many episodes does Joe Knows Retirement have?
Joe Knows Retirement currently has 328 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Joe Knows Retirement about?
Welcome to the Joe Knows Retirement Podcast! Where Joe will take you through strategies to make the most of your retirement.
How often does Joe Knows Retirement release new episodes?
Joe Knows Retirement publishes regularly with 328 episodes available. Check the episode list for the typical release schedule.
Where can I listen to Joe Knows Retirement?
You can listen to Joe Knows Retirement on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Joe Knows Retirement?
Joe Knows Retirement is created and hosted by Joe Schmitz Jr., CFP® ChFC® CKA®.
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