Joe Knows Retirement

Hosted by Joe Schmitz Jr., CFP® ChFC® CKA®

Business Investing

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Episodes

330

Latest episode

Oct 2026

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About the show

Welcome to the Joe Knows Retirement Podcast! Where Joe will take you through strategies to make the most of your retirement.

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60 recent

October 23, 2026Episode 33019 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/

October 20, 2026Episode 32914 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/

October 13, 2026Episode 32816 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/

October 6, 2026Episode 32717 min

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 spent decades saving and preparing for retirement. Now the goal is making smart decisions with what you've built so you can enjoy your money, reduce unnecessary taxes, protect your family, and make the most of 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/happy-retirement/spend-your-retirement-nest-egg-and-drop-the-guilt 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

October 2, 2026Episode 32618 min

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, especially as tax-deferred accounts continue to grow. 🎥 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/regrets-for-retirees-with-a-pension-and-a-million-dollars 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

September 29, 2026Episode 32514 min

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 to consider before doing a Roth conversion. The goal is not simply to convert as much as possible, but to determine how much to convert, when to convert, and how a Roth conversion fits into your complete retirement and tax strategy. 🎥 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/why-retirees-with-pensions-need-roth-conversions 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

September 25, 2026Episode 32417 min

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 your taxes and Medicare premiums. In this episode of Joe Knows Retirement, Joe breaks down how RMDs work, why they can be especially important for retirees with pensions and significant tax-deferred savings, and strategies to consider for reducing their future impact. 🎥 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/

September 22, 2026Episode 32319 min

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, Joe breaks down 10 retirement decisions people may regret making too early or waiting too long to make. 🎥 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/

September 18, 2026Episode 32225 min

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. 🎥 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/

September 15, 2026Episode 32118 min

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 impact can become much larger than expected. In this episode of Joe Knows Retirement, Joe breaks down several important tax planning opportunities for retirees with a pension and significant savings. 🎥 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/

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