April 27, 2025 • 11 mins
Joe and Megan share information about the Peak Retirement Planning YouTube Channel!
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
In for Mikayla and Mindy today is Joe Schmidz and
Meghan Casper with Peak Retirement Planning, and we are just
grateful for the opportunity to be on air here and
be on such a great show. Minni and Michaela do
such a great job. They're so well respected. We look
up to them and we're just pleased to be able
to be on here chatting. And so we're going to
be chatting about on this segment about our YouTube channel,
(00:21):
and so this is going to be a great opportunity
for those that are looking for more educational content who
meet the niche of people that we talk about in
this video. So we're going to talk about it. It's
also just exciting and interesting to know, like what has
come from a YouTube channel that I started what year
and a half ago and just we're reaching people all
across the country and have over thirty thousand subscribers and
(00:43):
you know, been able to become more of a national
firm serving people all across just from a YouTube channel.
So you all can check it out. It's Peak Retirement
Planning is the name of the channel. There. You can
type in Joe Schmitz on YouTube as well. And they
will pop up and we've got over three hundred videos there.
And Megan, you're obviously a huge part of this as well,
and all the success we've had on this side of things,
(01:04):
and go ahead and fill us in on what your
take is on our YouTube channel.
Speaker 2 (01:08):
Yeah, I think it's just incredible to think about where
it all started, you know, like you said, barely just
a year and a half ago. I remember it was
the Eastern Closet office. We joke, just this small, tiny
room and Joe would stand in front of a whiteboard
and record videos on his phone and had no idea
what he was doing. We go back and watch those
(01:29):
videos and laugh just because you know, he's really gotten
into the rhythm of how to just communicate in the
charisma and everything in his videos today. But to having
over thirty thousand subscribers, I mean, it's just absolutely incredible.
And it's not about look at us, it's look at
the impact that we're able to make. And just like
Joe said, we're able to connect with people from all
(01:52):
across the country. And it is so fun because you know,
we've been talking a lot today about just Midwestern millionaires
and get people who reach out they're from California or
Florida or all over the country, and they say, hey,
you know, we're not in the Midwest, but we are
definitely Midwestern millionaires, and we relate to everything that you're
talking about. And it's just so fun. You know, I
(02:14):
keep a pulse on just all of our intake forms
that we get. You know, if someone goes to our
website and requests to schedule a free fifteen minute phone
call with us, I get to see that information that
they fill out, and so many people just say, you know,
I love your YouTube channel, I love all the educational content.
I feel like Joe is speaking directly to me. And
(02:35):
then you know, just in talking with you, Joe, of
how those phone calls go. I mean, people just they're
so warm. They feel like they know you, they feel
like they know your heart, your background, where you're coming from.
And how many times do people say, I just know
I can trust you, Joe, I trust you so much.
Speaker 1 (02:50):
Yeah, it's awesome and a lot of like whenever you
see someone on video, we watch multiple videos. Most people
schedule with us have watched handful twenty thirty. Some of
even said they watched all of our videos, and you
really get to know someone, what they stand for, what
their values are, and I think they just see that. Ultimately.
You know, my whole goal with this business with Peak Retirement,
it's to serve, it's to serve others. It's to give
(03:11):
people retirement planning experience that may not be found out
there every day. I mean when you look out there,
you know, the most advisors they may only do investment
management and charge a full fee for it, whereas there's
still all these things that are disconnected. They may not
have their CPA or their attorney all in the same room.
They may be having to go into five different professionals
to get the job done. Whereas we've built that comprehensive
approach in one while still say, you know, charging about
(03:35):
the same as what the industry average is. And so
that's really been our goal. But the YouTube has been
just crazy. And and the people you know in Florida,
for example, they may say they're not midwestern millionaires, but
they'll say they're middle class millionaires. And again just hard
working people who they never made millions of dollars, but
they did the right things. They were hard working, they
were frugal, they were better savers, and spenders as we've
(03:56):
been talking about, but what an opportunity to reach people.
And how many people we have in schedule with us
each week now from YouTube.
Speaker 2 (04:02):
Over thirty a week.
Speaker 1 (04:03):
Wow. Yeah, And it's crazy because we're only bringing on
about ten to twelve clients per week and so obviously
we're not able to help everyone that reaches out. And
that was really the main focus of why I did
start the YouTube channel was just to reach as many
people as possible, but also it was really just meant
to be educational content for our clients. I mean, you know,
I didn't expect it to have thirty thousand subscribers just overnight,
(04:24):
but obviously it's in need and people again can co
check that channel out and just learn more and educational content.
It's all educational content. It's all about what strategy can
you look at and retirement all between, you know, all
from tax planning to state planning to investments and just
making sure you're not missing anything. We have a lot
of people that watch the channel who are even consider
(04:45):
themselves di wires do it yourselfers who just helps them
give an understanding of like what are they missing in
their plan or what do they need to be focusing
on to do better and retire comfortably. There.
Speaker 2 (04:55):
Yeah, and Joe tell everyone, I don't think you expected
to have a fan club on YouTube.
Speaker 1 (05:01):
I don't really want to talk about this. I'll let
you cover it.
Speaker 2 (05:04):
Guys, We've got quite the interesting fan club on YouTube,
and it's all revolving Joe's facial hair. For some reason.
We've got people who are like, keep the beer, Joe.
Some people are like, I like the clean shave. I'm
pretty sure someone even commented I'd kill in all caps
for those eyebrows that it's just hilarious. So our team
has a really fun time going through and just sifting
(05:26):
through some of those fun fun comments on there. It is,
it's hilarious.
Speaker 1 (05:30):
What do they always say that people have a voice
for radio or a you know what they say.
Speaker 2 (05:35):
You know, oh, voice for radio or face for TV.
Speaker 1 (05:38):
Yeah, So I just want everyone to understand, based on
what Meghan said that I do have a voice for radio,
but I also have a face for TV. So you
give me a hard time on everything. So anything else
you want to add on our YouTube channel there, Meghan though.
Speaker 2 (05:50):
No, it's just it's incredible and we're so excited just
to see where it takes off. You know, we say
in our team meetings, you know, we are going to
the moon, and I just feel like YouTube is a
huge part of that. And I just have to give
kudas as well to the rest of our team. I mean,
Joe is obviously a huge part in the success of that,
and there's a lot of time and dedication that he
(06:11):
doesn't I mean quite honestly, he doesn't have to spend
his time there, but just knowing the impact that it
has and the need that is out there. But it
wouldn't be possible without the rest of our our team too,
and there's a lot of hands that work into that
and making everything happen.
Speaker 1 (06:25):
And yeah, I mean it's crazy to think about because,
like they if anyone has listened to this, checked out
the YouTube channel while we're talking here, you'll see that
there's all these awesome graphics and funny graphics at that
of me making you know, funny emot you know, showing
funny body language and whatnot. But I mean, it takes
an army of team to really make a huge impact.
And I always say, like one person can only do
(06:47):
so much, but when you have a team of people
who can all fill in and you know, take you
know someone's weaknesses and that's someone's strengths and you can
all team up. I mean, what do they say about
the horses that I say all the time that one
horse can pull seven thousand pounds, but two horses can
pull twenty one thousand pounds. And so, you know, like
for this YouTube, I don't have to do anything except
sit in front of a camera, I record, I talk,
(07:09):
and then the team takes everything, they edit everything, they
post it, and that's what makes it, you know, so
much fun and enjoyable.
Speaker 2 (07:15):
There.
Speaker 1 (07:15):
But we've also got some exciting nudes too, as far
as you know, the outreach we're trying to do. The
Midwestern Millionaire book we've talked about. We've talked about I
hate taxes quite a bit on radio whenever we're on.
Another one called Peak Retirement's book I wrote, but I'm
actually in process of writing a fourth one that I
just finished. It's going through publishing right now.
Speaker 2 (07:33):
That is waste, no time, people, no time at all.
Speaker 1 (07:35):
I know. I know, I love writing, I love putting
together content. And this one is called the two percent Club. Megan,
do you want to share what that two percent Club?
Idea means and what we you know, why we came
up with that idea.
Speaker 2 (07:48):
Yeah, absolutely, I mean I would say too, you've been
making a shift in the YouTube channel lately of speaking
directly to these people, and there are people with pensions
and a millionaire more saved, and it's it's a very
specific niche that we're serving, and we have a lot
of things built out just within our firmanent our processes
to make sure that we can serve these people to
the best of our ability.
Speaker 1 (08:08):
Yeah. I mean, if you have a pension, you're in
the top twenty or not necessarily top, but you're only
a part of twenty percent of people that have a pension.
So if you're listening to this and have a pension
or you know someone with a pension, we all know
out there that's not very common nowadays, and especially for
people you know that are our age, pensions are just
not as common anymore unless you work for the government
or you know, work for the state or one of
those type of employers. And they're also less advantageous now
(08:31):
than they used to be, and a lot of that's
because people are living longer than ever before now. But
with all that means that it's an exclusive group if
you do have one, which means your planning is going
to be different because typically throughout retirement they've always told
you you'll be in a lower income situation in retirement,
and that may be true for fifty percent of the
people out there, because you know, even fifty percent of
(08:51):
people out there pay no taxes because of standard deduction.
You know, most of the taxes are paid by the
upper fifty percent of people, the middle class and the
upper class there. And so with that, your planning is
going to be more unique. There's going to be a
lot more things that you need to be aware of
that others may not have to consider. But the other
part of what makes this even more difficult from a
planning standpoint is if you have a million dollars or
(09:11):
more saved, because now you're in the top ten percent
in an entire country and net worth, and when you
combine those two percentages of twenty percent to ten percent,
there's only two percent of the population that has a
pension in over a million dollars. And so because of that,
when you factor both of those in a high net
worth and a high income, you're going to have a
lot of complexities, and typically what the biggest concern is
(09:33):
is taxes. People within this situation are worried about paying
more in taxes because that's who the government comes after,
is high income, high net worth, and so worried about
paying more in Medicare premiums are more in SOID security tax.
We have so many people that reach out to us
who are just concerned about how much taxes are going
to have to pay on all their four or one
k's or their iras that they've been saving all those
(09:53):
years because they haven't paid taxes on it yet, and
they're worried about what tax traits are going to be
in the future. So we wrote a book about it,
try to make it's super concise, help people understand what
pension options they need to take when they retire, and
not sure the release date on that, but they'll be
coming out in the near future. Continue, yeah, we'll be
We'll see what the marketing team can can do on
that side of things. But we've got a fun cover
(10:14):
for it design. So if anyone is in that situation,
or if you know someone in that situation, then you
certainly know can put that book on your radar. But
also that's who we serve. Feel free to reach out
to us if you want to have a conversation about how,
you know, if it could make sense for us to
work together. I always try to trans you know, just
make sure I'm transparent here that we can't serve everyone
that reaches out, and we have I mentioned over fifty
(10:34):
people every week from YouTube, TV, the books that I've written,
you know all of that. We have a lot of
people reaching out and we want to guide everyone as
much as we can that reaches out. But we also
just have to make sure we don't water down the
service that we deliver to our clients. So if that's
you and you want to learn more, go ahead and
do so at Peak Retirement Planning dot com. And we're
going to take a quick break before we finish up
(10:54):
on the last segment here. This is Joe Schmidtz and
Meghan Cassaber with Peak Retirement Planning. We're filling in from
Mandy and MICHAELA today. This is what matters with six'
ten w
In for Mikayla and Mindy today is Joe Schmidz and
Meghan Casper with Peak Retirement Planning, and we are just
grateful for the opportunity to be on air here and
be on such a great show. Minni and Michaela do
such a great job. They're so well respected. We look
up to them and we're just pleased to be able
to be on here chatting. And so we're going to
be chatting about on this segment about our YouTube channel,
(00:21):
and so this is going to be a great opportunity
for those that are looking for more educational content who
meet the niche of people that we talk about in
this video. So we're going to talk about it. It's
also just exciting and interesting to know, like what has
come from a YouTube channel that I started what year
and a half ago and just we're reaching people all
across the country and have over thirty thousand subscribers and
(00:43):
you know, been able to become more of a national
firm serving people all across just from a YouTube channel.
So you all can check it out. It's Peak Retirement
Planning is the name of the channel. There. You can
type in Joe Schmitz on YouTube as well. And they
will pop up and we've got over three hundred videos there.
And Megan, you're obviously a huge part of this as well,
and all the success we've had on this side of things,
(01:04):
and go ahead and fill us in on what your
take is on our YouTube channel.
Speaker 2 (01:08):
Yeah, I think it's just incredible to think about where
it all started, you know, like you said, barely just
a year and a half ago. I remember it was
the Eastern Closet office. We joke, just this small, tiny
room and Joe would stand in front of a whiteboard
and record videos on his phone and had no idea
what he was doing. We go back and watch those
(01:29):
videos and laugh just because you know, he's really gotten
into the rhythm of how to just communicate in the
charisma and everything in his videos today. But to having
over thirty thousand subscribers, I mean, it's just absolutely incredible.
And it's not about look at us, it's look at
the impact that we're able to make. And just like
Joe said, we're able to connect with people from all
(01:52):
across the country. And it is so fun because you know,
we've been talking a lot today about just Midwestern millionaires
and get people who reach out they're from California or
Florida or all over the country, and they say, hey,
you know, we're not in the Midwest, but we are
definitely Midwestern millionaires, and we relate to everything that you're
talking about. And it's just so fun. You know, I
(02:14):
keep a pulse on just all of our intake forms
that we get. You know, if someone goes to our
website and requests to schedule a free fifteen minute phone
call with us, I get to see that information that
they fill out, and so many people just say, you know,
I love your YouTube channel, I love all the educational content.
I feel like Joe is speaking directly to me. And
(02:35):
then you know, just in talking with you, Joe, of
how those phone calls go. I mean, people just they're
so warm. They feel like they know you, they feel
like they know your heart, your background, where you're coming from.
And how many times do people say, I just know
I can trust you, Joe, I trust you so much.
Speaker 1 (02:50):
Yeah, it's awesome and a lot of like whenever you
see someone on video, we watch multiple videos. Most people
schedule with us have watched handful twenty thirty. Some of
even said they watched all of our videos, and you
really get to know someone, what they stand for, what
their values are, and I think they just see that. Ultimately.
You know, my whole goal with this business with Peak Retirement,
it's to serve, it's to serve others. It's to give
(03:11):
people retirement planning experience that may not be found out
there every day. I mean when you look out there,
you know, the most advisors they may only do investment
management and charge a full fee for it, whereas there's
still all these things that are disconnected. They may not
have their CPA or their attorney all in the same room.
They may be having to go into five different professionals
to get the job done. Whereas we've built that comprehensive
approach in one while still say, you know, charging about
(03:35):
the same as what the industry average is. And so
that's really been our goal. But the YouTube has been
just crazy. And and the people you know in Florida,
for example, they may say they're not midwestern millionaires, but
they'll say they're middle class millionaires. And again just hard
working people who they never made millions of dollars, but
they did the right things. They were hard working, they
were frugal, they were better savers, and spenders as we've
(03:56):
been talking about, but what an opportunity to reach people.
And how many people we have in schedule with us
each week now from YouTube.
Speaker 2 (04:02):
Over thirty a week.
Speaker 1 (04:03):
Wow. Yeah, And it's crazy because we're only bringing on
about ten to twelve clients per week and so obviously
we're not able to help everyone that reaches out. And
that was really the main focus of why I did
start the YouTube channel was just to reach as many
people as possible, but also it was really just meant
to be educational content for our clients. I mean, you know,
I didn't expect it to have thirty thousand subscribers just overnight,
(04:24):
but obviously it's in need and people again can co
check that channel out and just learn more and educational content.
It's all educational content. It's all about what strategy can
you look at and retirement all between, you know, all
from tax planning to state planning to investments and just
making sure you're not missing anything. We have a lot
of people that watch the channel who are even consider
(04:45):
themselves di wires do it yourselfers who just helps them
give an understanding of like what are they missing in
their plan or what do they need to be focusing
on to do better and retire comfortably. There.
Speaker 2 (04:55):
Yeah, and Joe tell everyone, I don't think you expected
to have a fan club on YouTube.
Speaker 1 (05:01):
I don't really want to talk about this. I'll let
you cover it.
Speaker 2 (05:04):
Guys, We've got quite the interesting fan club on YouTube,
and it's all revolving Joe's facial hair. For some reason.
We've got people who are like, keep the beer, Joe.
Some people are like, I like the clean shave. I'm
pretty sure someone even commented I'd kill in all caps
for those eyebrows that it's just hilarious. So our team
has a really fun time going through and just sifting
(05:26):
through some of those fun fun comments on there. It is,
it's hilarious.
Speaker 1 (05:30):
What do they always say that people have a voice
for radio or a you know what they say.
Speaker 2 (05:35):
You know, oh, voice for radio or face for TV.
Speaker 1 (05:38):
Yeah, So I just want everyone to understand, based on
what Meghan said that I do have a voice for radio,
but I also have a face for TV. So you
give me a hard time on everything. So anything else
you want to add on our YouTube channel there, Meghan though.
Speaker 2 (05:50):
No, it's just it's incredible and we're so excited just
to see where it takes off. You know, we say
in our team meetings, you know, we are going to
the moon, and I just feel like YouTube is a
huge part of that. And I just have to give
kudas as well to the rest of our team. I mean,
Joe is obviously a huge part in the success of that,
and there's a lot of time and dedication that he
(06:11):
doesn't I mean quite honestly, he doesn't have to spend
his time there, but just knowing the impact that it
has and the need that is out there. But it
wouldn't be possible without the rest of our our team too,
and there's a lot of hands that work into that
and making everything happen.
Speaker 1 (06:25):
And yeah, I mean it's crazy to think about because,
like they if anyone has listened to this, checked out
the YouTube channel while we're talking here, you'll see that
there's all these awesome graphics and funny graphics at that
of me making you know, funny emot you know, showing
funny body language and whatnot. But I mean, it takes
an army of team to really make a huge impact.
And I always say, like one person can only do
(06:47):
so much, but when you have a team of people
who can all fill in and you know, take you
know someone's weaknesses and that's someone's strengths and you can
all team up. I mean, what do they say about
the horses that I say all the time that one
horse can pull seven thousand pounds, but two horses can
pull twenty one thousand pounds. And so, you know, like
for this YouTube, I don't have to do anything except
sit in front of a camera, I record, I talk,
(07:09):
and then the team takes everything, they edit everything, they
post it, and that's what makes it, you know, so
much fun and enjoyable.
Speaker 2 (07:15):
There.
Speaker 1 (07:15):
But we've also got some exciting nudes too, as far
as you know, the outreach we're trying to do. The
Midwestern Millionaire book we've talked about. We've talked about I
hate taxes quite a bit on radio whenever we're on.
Another one called Peak Retirement's book I wrote, but I'm
actually in process of writing a fourth one that I
just finished. It's going through publishing right now.
Speaker 2 (07:33):
That is waste, no time, people, no time at all.
Speaker 1 (07:35):
I know. I know, I love writing, I love putting
together content. And this one is called the two percent Club. Megan,
do you want to share what that two percent Club?
Idea means and what we you know, why we came
up with that idea.
Speaker 2 (07:48):
Yeah, absolutely, I mean I would say too, you've been
making a shift in the YouTube channel lately of speaking
directly to these people, and there are people with pensions
and a millionaire more saved, and it's it's a very
specific niche that we're serving, and we have a lot
of things built out just within our firmanent our processes
to make sure that we can serve these people to
the best of our ability.
Speaker 1 (08:08):
Yeah. I mean, if you have a pension, you're in
the top twenty or not necessarily top, but you're only
a part of twenty percent of people that have a pension.
So if you're listening to this and have a pension
or you know someone with a pension, we all know
out there that's not very common nowadays, and especially for
people you know that are our age, pensions are just
not as common anymore unless you work for the government
or you know, work for the state or one of
those type of employers. And they're also less advantageous now
(08:31):
than they used to be, and a lot of that's
because people are living longer than ever before now. But
with all that means that it's an exclusive group if
you do have one, which means your planning is going
to be different because typically throughout retirement they've always told
you you'll be in a lower income situation in retirement,
and that may be true for fifty percent of the
people out there, because you know, even fifty percent of
(08:51):
people out there pay no taxes because of standard deduction.
You know, most of the taxes are paid by the
upper fifty percent of people, the middle class and the
upper class there. And so with that, your planning is
going to be more unique. There's going to be a
lot more things that you need to be aware of
that others may not have to consider. But the other
part of what makes this even more difficult from a
planning standpoint is if you have a million dollars or
(09:11):
more saved, because now you're in the top ten percent
in an entire country and net worth, and when you
combine those two percentages of twenty percent to ten percent,
there's only two percent of the population that has a
pension in over a million dollars. And so because of that,
when you factor both of those in a high net
worth and a high income, you're going to have a
lot of complexities, and typically what the biggest concern is
(09:33):
is taxes. People within this situation are worried about paying
more in taxes because that's who the government comes after,
is high income, high net worth, and so worried about
paying more in Medicare premiums are more in SOID security tax.
We have so many people that reach out to us
who are just concerned about how much taxes are going
to have to pay on all their four or one
k's or their iras that they've been saving all those
(09:53):
years because they haven't paid taxes on it yet, and
they're worried about what tax traits are going to be
in the future. So we wrote a book about it,
try to make it's super concise, help people understand what
pension options they need to take when they retire, and
not sure the release date on that, but they'll be
coming out in the near future. Continue, yeah, we'll be
We'll see what the marketing team can can do on
that side of things. But we've got a fun cover
(10:14):
for it design. So if anyone is in that situation,
or if you know someone in that situation, then you
certainly know can put that book on your radar. But
also that's who we serve. Feel free to reach out
to us if you want to have a conversation about how,
you know, if it could make sense for us to
work together. I always try to trans you know, just
make sure I'm transparent here that we can't serve everyone
that reaches out, and we have I mentioned over fifty
(10:34):
people every week from YouTube, TV, the books that I've written,
you know all of that. We have a lot of
people reaching out and we want to guide everyone as
much as we can that reaches out. But we also
just have to make sure we don't water down the
service that we deliver to our clients. So if that's
you and you want to learn more, go ahead and
do so at Peak Retirement Planning dot com. And we're
going to take a quick break before we finish up
(10:54):
on the last segment here. This is Joe Schmidtz and
Meghan Cassaber with Peak Retirement Planning. We're filling in from
Mandy and MICHAELA today. This is what matters with six'
ten w
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