Most retirees assume they're in a "low tax bracket" until Social Security taxation, pensions, Medicare premiums, and RMDs collide. In this episode of Jo Knows Retirement, Joe breaks down exactly how pensions impact Social Security taxation, why the 12% tax bracket isn't really 12%, and how retirees unknowingly fall into the Social Security tax torpedo.

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Most people are told they'll be in a lower tax bracket in retirement, but if you have a pension, that's often not true. In this video, Joe breaks down Traditional vs Roth retirement accounts (401k, 403b, 457, TSP, IRA) and explain how to maximize your retirement savings while minimizing taxes. You'll learn when Roth makes sense, when it doesn't, and how pensions, Social Security, and RMDs can push taxes higher in retirement. This is especially important for higher-income earners and those with pensions who want tax diversification, flexibility, and smarter income planning.

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🟥 Read our latest article featured in Kiplinger: https://www.kiplinger.com/retirement/dont-do-this-when-converting-retirement-savings-to-a-roth-ira

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If you have a pension and you're approaching retirement, your planning is very different than most people and missing just one of these could cost you hundreds of thousands of dollars. In today's episode of Joe Knows Retirement, Joe walks through the 10 most important planning items every retiree with a pension needs to have in place, from Roth conversions and Social Security timing, to Medicare IRMAA, estate planning, and legacy strategies.

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📚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/retiring-with-a-pension-what-to-know

📞 Schedule a call with our team: https://peakretirementplanning.com/schedule-a-meeting/