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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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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Federal employees finally have a long-awaited opportunity inside the TSP starting in 2026: Roth Conversions. Here is what you need to know about Roth Conversions and how they work within your Thrift Savings Plan to ensure you maximize your FERS benefits.

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You've done everything right: you have a pension, $1M+ saved, and no real fear of running out of money. So why do so many smart, financially savvy retirees still choose to work with a professional retirement planning team? In this episode of Joe Knows Retirement, Joe breaks down the 4 key reasons successful DIY retirees eventually decide to get help, not because they have to, but because they want to optimize, protect their spouse, and stop leaving money on the table.

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If you're earning $80,000 a year but could retire today with a $50,000 pension, are you actually working for just $30,000? In this episode of Joe Knows Retirement, Joe breaks down a mistake we see all the time with people who have generous pensions. Many continue working out of habit without realizing they may already be financially free.

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Are you a hard-working, frugal Midwestern Millionaire who saved diligently, lived below your means, and now… can't get yourself to actually spend in retirement? You're not alone. In today's episode, Joe breaks down why retirees with pensions and $1M+ saved often struggle to enjoy the retirement they worked decades for and how proper planning can finally give you permission to spend, gift, and live more freely.

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Most people hear "Roth conversions save taxes"… but that's NOT always true. In today's episode, Joe breaks down 6 situations where a Roth conversion can actually hurt you, especially if you are in or near retirement. Whether you have a pension, you're a Midwestern Millionaire, or you're part of that 2% of retirees with over $1M saved, tax planning is critical. The Roth rules are not one-size-fits-all and making the wrong move could cost you tens or even hundreds of thousands of dollars over your lifetime.

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