Free Daily Podcast Summary
Joe Knows Retirement: Daily Summaries Delivered
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.
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- Today18 min
Retiring With a Pension? 7 Decisions You MUST Consider Before 2027
If 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 savings, the decisions you make before December 31st could have a lasting impact on your financial future. In this video, Joe walks through key year-end retirement planning considerations, especially for those with pensions and $1 million or more saved. With important deadlines approaching, now is the time to review your retirement plan, identify potential opportunities, and make sure you're not overlooking anything that could impact your retirement in the years ahead. 🎥 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/regrets-for-retirees-with-a-pension-and-a-million-dollars 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
- 4 days ago19 min
A $70K Pension and $1.5 Million Saved: The RMD Tax Problem Nobody Talks About
If 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 retirement case study, Joe breaks down a 62-year-old couple with a $70,000 pension, $40,000 in expected Social Security income, and $1.5 million invested. While they appear financially prepared for retirement, their growing investments could lead to significant tax consequences once RMDs begin. 🎥 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-plans/required-minimum-distributions-rmds/604645/alternatives-to-required 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
- 1 weeks ago18 min
Only 28% of Americans Have a Roth IRA. Are You Missing Out?
Only 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 opportunities? In this episode of Joe Knows Retirement, Joe explains why Roth IRAs and Roth conversions can be valuable retirement planning strategies, especially for those with pensions and $1 million or more saved. 🎥 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 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
- 1 weeks ago17 min
Inherited $200,000? Do THIS Before You Make a Costly Tax Mistake!
Receiving 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 IRA, understanding the different tax rules and opportunities can help you avoid costly mistakes. In this episode of Joe Knows Retirement, Joe walks through a real-world example of someone inheriting $200,000 at age 60. He discusses how different types of inherited assets can affect your financial plan, why inherited IRAs require special attention, and how thoughtful planning can help you make the most of the wealth your loved ones worked so hard to build. 🎥 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/dont-do-this-when-converting-retirement-savings-to-a-roth-ira 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
- 2 weeks ago19 min
Are You Investing in the WRONG Retirement Accounts? (Tax Location Explained)
Most 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 pension and $1 million or more saved for retirement. In this episode of Joe Knows Retirement, Joe explains how tax location can impact your retirement savings and why investing the same way across your Roth IRA, traditional IRA, and brokerage accounts may not be the most tax-efficient approach. He discusses how strategically positioning investments across these accounts could help reduce your tax burden, improve after-tax returns, and create more opportunities for long-term growth. 🎥 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 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
- 2 weeks ago19 min
55 to 59 With a Pension? Do These 3 Things Before You Retire
If 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 confident about takes more than a healthy account balance. In this episode, Joe explains why these years are an important opportunity to prepare for your next chapter and build a plan that reflects what matters most to you and your family. 🎥 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/how-pensions-affects-taxes-in-retirement 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
- 3 weeks ago14 min
Why I Love And Hate Pensions
Having 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 coming. In this episode of Joe Knows Retirement, Joe explains why he loves pensions and two key drawbacks that deserve your attention. You worked hard to get here. Make sure you understand the opportunities your pension creates and the decisions that can help you make the most of it. 🎥 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-plans/roth-iras/604539/i-love-roth-iras-and-roth-conversions 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/
- 4 weeks ago16 min
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 converting. 🎥 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/
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