Welcome to the 2% Club
We specialize in helping individuals with both pensions and $1M+ in savings.
Did you know that achieving true financial security by retirement is rare? Only about 20% of the population has a pension1, and just 10% of the population has saved $1M+ for retirement.2 At the intersection of these two groups lies the exclusive 2%. This intersection is our specialty, and we’re here to provide personalized solutions and support to help you continue to thrive in retirement.
We specialize in helping individuals with both pensions and $1M+ in savings.
Did you know that achieving true financial security by retirement is rare? Only about 20% of the population has a pension1, and just 10% of the population has saved $1M+ for retirement.2 At the intersection of these two groups lies the exclusive 2%. This intersection is our specialty, and we’re here to provide personalized solutions and support to help you continue to thrive in retirement.
Pension Planning Video Resources for a Brighter Retirement
Gain deeper insights into pension planning with these featured videos and TV segments:
1.
Understanding Pensions
2.
Breaking Down Pension Strategies
3.
TV Feature on Optimal Pension Planning
Learn key pension planning tips and why it’s crucial to strategize early.
Explore expert advice on pension decision-making to secure your retirement.
Don’t miss this insightful television segment discussing pension challenges and solutions.
Pension Planning Video Resources for a Brighter Retirement
Gain deeper insights into pension planning with these featured videos and TV segments:
1. Understanding Pensions
Learn key pension planning tips and why it’s crucial to strategize early.
2. Breaking Down Pension Strategies
Explore expert advice on pension decision-making to secure your retirement.
3. TV Feature on Optimal Pension Planning
Don’t miss this insightful television segment discussing pension challenges and solutions.
By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®
If You Have a Pension, Smart Tax Planning Should Start Now
Adding pension income to Social Security benefits and income from required minimum distributions could see you facing a tax torpedo and higher Medicare costs.
Click the button to read Joe's Kiplinger article now:
By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®
Should You Take Your Pension as a Lump Sum?
Find out the pros and cons of taking a lump sum versus a monthly payout.
Click the button to read Joe's Kiplinger article now:
By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®
Should You Take the Survivor Option on Your Pension?
Discover the factors to consider when choosing survivor benefits for your pension.
Click the button to read Joe's Kiplinger article now:
1 AARP. April 24, 2024. “New AARP survey: 1 in 5 Americans Ages 50+ Have No Retirement Savings and Over Half Worry They Will Not Have Enough to Last in Retirement.” https://press.aarp.org/2024-4-24-New-AARP-Survey-1-in-5-Americans-Ages-50-Have-No-Retirement-Savings. Accessed April 11, 2025.
2 DQYDJ. 2023. “Net Worth Percentile Calculator for the United States..” https://dqydj.com/net-worth-percentile-calculator/. Accessed April 11, 2025.