The 2% Club: Only 2% of the Population Have Pensions and $1M+ Saved - Paperback

by Joe F. Jr. Schmitz (Author)

***revised and updated for 2026***

Only 2% of Americans have both a pension 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. Thisbook will help you become a better steward of what you worked so hard to build. You've alreadydone the heavy lifting. Now it is your time to retire with peace, purpose, and a plan.