Should You Really Work Until 65 If You Have $1M+ & a Pension?

Many people assume they have to work until 65 just to afford health insurance or avoid running out of money. But if you’ve got a pension and at least $1 million saved, you may be in a much better spot than you think.

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Timestamps:
00:00 – Is working till 65 really worth it?
00:20 – Pension + $1M: the 2% club advantage
02:03 – Why this channel exists & who it helps
02:40 – Adding value & confidence in retirement
03:33 – Biggest concern: health insurance before Medicare
05:21 – Roth conversions & smart tax planning
07:24 – Social Security taxation & the “tax torpedo”
09:18 – Medicare choices: Advantage vs. Supplement plans
10:32 – Filling the income gap before Social Security
13:26 – Retirement purpose: spending, gifting, & leaving a legacy
16:18 – Tax-efficient withdrawals & planning
17:36 – Should you retire early or keep working?

Disclaimer: Since we do not know your specific situation, none of this information can serve as tax, legal, insurance, or financial advice, and may be outdated or inaccurate. The information comes from sources believed to be reliable but cannot be guaranteed. This content is prepared for educational purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Peak Retirement Planning, Inc. is a Securities and Exchange Commission registered investment adviser and able to offer advisory services in Ohio and in other states where registered or exempt from registration.

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