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Have a pension and $1M or more saved? Welcome to the 2% Club!
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% of people that we specialize in serving.
Tax Planning with Pensions
Have you been told you'll be in a lower tax bracket in retirement? Most of those in the 2% club will be in the same or higher tax bracket in retirement, which is why many people come to us for our tax-focused planning with pensions.
Joe Talks Pension on the News
Check Out Our YouTube Channel Specializing in Pension Planning
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.
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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.
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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.
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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.