Joe Knows Retirement

Joe Schmitz Jr., CFP® ChFC® CKA®
  • 4.8 (29)
  • Investing
  • Updated Weekly

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

  1. 1d ago

    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 diligently for decades. In this book, you'll learn how to: - Simplify and optimize your retirement with the "5 Pillars of Pension Planning" - Enjoy the full value of your pension (it may be more valuable than you think) - Decrease your tax bill through strategic Roth conversions and smart withdrawal planning - Plan for pension options such as lump sum options and survivorship options - Optimize Social Security and protect your wealth from Medicare premium increases - Enjoy your retirement and spend more money (many in the 2% Club struggle with spending money) - Create a legacy that benefits your family and favorite charities Having a pension puts you in a rare financial position that requires advanced planning. This book will help you become a better steward of what you worked so hard to build. You've already done the heavy lifting. Now is your time to retire with peace, purpose, and a plan. 🎥 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/reducing-lifetime-taxes-for-retirees-in-two-percent-club 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/ Timestamps: (00:00) – The 2% Club (00:13) – Introduction: What Is the 2% Club? (01:41) – Chapter 1: The 2% Club Are "Midwestern Millionaires" (05:13) – Chapter 2: Having a Pension and Being in the 2% Club (11:19) – Chapter 3: Tax Planning (38:18) – Chapter 4: Investment Planning (51:20) – Chapter 5: Income Planning (01:07:12) – Chapter 6: Pension Options (01:31:09) – Chapter 7: Healthcare Planning (01:37:12) – Chapter 8: Estate Planning (01:43:05) – Chapter 9: Purpose Planning (01:52:31) – Conclusion (01:55:47) – A Team to Serve You in Retirement (02:00:02) – Thank You For Listening

    2 hr

  2. 1d ago

    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 freedom. Within this book, you'll learn: - Proven tax-saving strategies that put money back in your hands. - How to legally navigate the tax code to your advantage. - The tax-planning secrets financial planners won't share. - The power of paying your fair share while maximizing your savings. - How to make your life savings work for you, not the government. This book empowers you to take control and save thousands of dollars over your lifetime. End Uncle Sam's grip on your wallet, and welcome in a brighter future. The power to keep your money is in your hands—are you ready to make it happen? 🎥 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/who-hates-taxes-the-best-time-to-plan-for-taxes-is-now 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/ Timestamps: (00:00) – I Hate Taxes (00:11) – Introduction (03:21) – Chapter 1: Why Act Now (05:02) – Chapter 2: We're Different From Other Planners (11:31) – Chapter 3: Kick Uncle Sam to The Curb (17:36) – Chapter 4: Will Taxes Go Up or Down? (21:07) – Chapter 5: The Nitty-Gritties (30:08) – Chapter 6: Taxes Are on Sale (36:12) – Chapter 7: The Tax-Deferred Bucket (41:40) – Chapter 8: The Tax-Free Bucket (45:47) – Chapter 9: Roth Conversions (51:13) – Chapter 10: Brace Yourself - There is a Tax Bill (01:02:48) – Chapter 11: Like What You're Hearing? (01:05:23) – Chapter 12: Basics of Required Minimum Distributions (01:08:00) – Chapter 13: Basics of Legacy Planning and IRAs (01:17:36) – Chapter 14: Two Valuable Tax-Free Opportunities (01:18:48) – Chapter 15: Basics of The Taxable Bucket (01:38:04) – Chapter 16: Charitable Strategies (01:47:05) – Chapter 17: State Taxes (01:52:36) – Chapter 18: Medicare Premium Basics (01:55:55) – Chapter 19: How Does Social Security Impact Your Taxes? (02:01:22) – Chapter 20: For The Analytical Mind (02:14:40) – Chapter 21: Peak Retirement For You (02:29:13) – Thank You For Listening

    2h 30m

  3. 1d ago

    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 traits and why Peak Retirement Planning, Inc. was founded to help serve them. Inside, you'll learn how to: - Protect your hard-earned savings from unnecessary taxes - Understand the advanced planning strategies required for those with $1,000,000 or more saved - Safeguard your wealth for future generations through smart estate planning If you've saved consistently, live by a strong set of values, and want to make sure you're maximizing your wealth through proactive planning, this book is for you. This book offers a clear roadmap, packed with real-life examples and actionable advice, that will help you confidently steward your wealth through retirement. 🎥 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/ Timestamps: (00:00) – Midwestern Millionaire (00:12) – Preface (01:17) – Introduction: Who is This Midwestern Millionaire? (06:19) – Chapter 1: The Traits of a Midwestern Millionaire (14:35) – Chapter 2: Why We Serve the Midwestern Millionaire (21:58) – Chapter 3: What Must a Midwestern Millionaire do? (30:38) – Chapter 4: Taxes (40:25) – Chapter 5: Which Buckets Hold Your Life Savings? (53:31) – Chapter 6: Advanced Strategies for the Tax Buckets (01:08:38) – Chapter 7: Social Security Strategies (01:19:17) – Chapter 8: Medicare Premium Strategies (01:22:35) – Chapter 9: Estate Planning and Transferring Wealth (01:43:36) – Chapter 10: The Purpose of Money (01:53:17) – Chapter 11: Why People Work With Us (02:00:31) – Thank You For Listening

    2h 1m

  4. 1d ago

    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 book, Joe F. Schmitz Jr. shares a simple way to protect what you've worked so hard to create and to ensure your money makes it through the treacherous terrain called retirement. After reading this book, you'll appreciate and understand: - How Tax Planning strategies can ensure you do not overpay in taxes - Where Investment Planning can help you take less risk in retirement - When Income Planning with a distribution plan can lead to success - Why Healthcare Planning is nearly inevitable to plan for - What Estate Planning documents and strategies must be in place Saving for retirement is one thing. Enjoying retirement and making your money last is quite another. By following this proven process you'll be fully equipped to enjoy your trek down the mountain of retirement and will have taken every precaution to ensure a safe arrival. You deserve to enjoy your retirement without worrying about risks, dangers, or loss. Read this book to learn how to protect your savings—and your family—using the 5 Pillars of a Peak Retirement plan. 🎥 Subscribe to our YouTube channel: https://bit.ly/430T9Lv 📚Get a FREE copy of Joe's book "Peak Retirement Planning":  https://keap.page/bsd964/5-pillars-toolkit-podcast.html 🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/the-pillars-of-retirement-planning 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/ Timestamps: (00:00) – Peak Retirement (00:12) – Introduction (06:22) – Chapter 1: Pillar 1 - Tax Planning (15:39) – Chapter 2: Pillar 2 - Investment Planning (30:18) – Chapter 3: Pillar 3 - Income Planning (45:12) – Chapter 4: Pillar 4 - Healthcare Planning (55:29) – Chapter 5: Pillar 5 - Estate Planning (01:06:42) – Closing Remarks (01:08:21) – Thank You for Listening

    1h 9m

  5. 1d ago

    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": 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/

    18 min

  6. 3d ago

    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. Even if you have a generous pension and over $1 million saved, failing to plan properly could force you to rely far more heavily on your investments later 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/retirement-planning/are-you-being-tax-smart-about-your-pension 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

    15 min

  7. May 30

    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 spouse and legacy. Most retirees don't realize that having a pension can actually push them into higher taxes, higher Medicare costs, and forced withdrawals later on. But with the right plan, you can turn this into a massive advantage. 🎥 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/

    17 min

  8. May 28

    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 missed opportunities if you don't plan 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/if-not-long-term-care-insurance-then-what 📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/

    17 min
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4.8
out of 5
29 Ratings

About

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

Information

  • Creator
    Joe Schmitz Jr., CFP® ChFC® CKA®
  • Years Active
    2023 - 2026
  • Episodes
    291
  • Rating
    Clean
  • Copyright
    © 2023
  • Show Website
    Joe Knows Retirement

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